vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-24 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Dear XXXX, We, XXXX XXXX and XXXX XXXX, opened a 14 months CD account on XXXX XXXX XXXX with an interest rate 1.25 % and a deposit XXXX XXXX which got its maturity on XXXX XXXX XXXX at Citizens Bank, XXXX XXXX XXXX, XXXX, XXXX, XXXX # : ( XXXX ) XXXX. 
The account number was XXXX. 
However, after its maturity on XXXX XXXX, this CD account got renewed with an interest rate 0.03 %, and we received no notification about its renewal except for an electronic alert enclosed as follows & gt ; & gt ; Dear eNotice Customer, & gt ; & gt ; A CD Maturity Notice has been generated for your 14 MONTH CD, account & gt ; & gt ; XXXX. 
& gt ; & gt ; To view your eNotice, login to Online Banking at http : //www.citizensbank.com. 
& gt ; & gt ; Remember : Always look for your Safe With Citizens ( R ) Image and Phrase before & gt ; & gt ; entering your Password. 
& gt ; & gt ; Thank you. 
& gt ; & gt ; Please do not reply to this e-mail as it is automatically generated. If you are a Retail & gt ; & gt ; Customer and have any questions, please feel free to contact us at XXXX, if & gt ; & gt ; you are a Business Customer please call us at XXXX. 

We moved from XXXX XXXX to XXXX XXXX last week on XXXX XXXX XXXX, and before our move, we visited the branch of Citizens Bank at XXXX XXXX XXXX, XXXX, XXXX where we opened all our accounts, and tried to make clear the final steps of our business with them. 

At our first visit on XXXX XXXX XXXX they informed us the renewal of this 14 months CD account, and our response to this was to close it immediately as we did not expect any renewal ( from Open/ Renewal Date : XXXX/XXXX/XXXX to Maturity Date : XXXX/XXXX/XXXX ). They penalized our closure with the following data XXXX/XXXX/XXXX Interest Transfer Out - {$60000.00} {$0.00} XXXX/XXXX/XXXX Interest Penalty - {$9.00} {$60000.00} XXXX/XXXX/XXXX Penalty Early Withdrawal Transaction Penalty - {$50.00} {$60000.00} for a total amount of XXXX $ penalty. 

We felt very uncomfortable about the way this was done as they said their system indicates a mail delivered to us which we never received - we had similar issues before. 
We called Citizens Bank online customer service and got responded that moving a long distance where no branch of Citizens Bank is accessible is a reasonable reason that this renewed CD account be closed without any penalty. 

After this phone call, we went back to this branch and had a talk with its manager on XXXX XXXX XXXX who deliberately run us out as he knew we are going to move soon. 

As we neither receive a phone call nor an email since then XXXX XXXX XXXX, we assume they would do the bad business with us and look for exterior authoritative help. 

Thank you in advance! 
XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: GA

Complaint narrative:
A company " ERC '' leaves automated phone message that this an attempt to collect a debt. They do not ask for anyone by name, nor do they say to whom the " debt '' is supposedly owed. We are current with all bills, own our home, owe nothing to no one, and refuse to call the number and report our case number left on the message, so that we do not give them any encouragement. This annoyance call comes in on our home phone over and over, and we 'd like to stop this repetitive call for a bogus debt. Please tell them to stop calling our number. They call from XXXX. How can we block them from bothering us? Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Big Picture Loans, LLC
State: IL

Complaint narrative:
I took out a loan with a company called castle payday of {$400.00} dollars which I could payback within 30days it was my understanding that I could pay this loan back without being charged to much interest on my loan I come to find out that this company tried to have me pay {$1700.00} on this {$400.00} dollar loan which is absolutely insane this company is a predatory lender and I would like to have at least {$500.00} dollars returned to me this company should no longer be allowed to be in business it s outrageous that they are allowed to be in this nation ruining people s lives money is very hard to come by nowadays I don t know anyone who can afford to give it away like that please shut them down so no one else has to suffer the way I have these past 8 months thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Alpha Recovery Corp
State: OH

Complaint narrative:
I recently sent a cease and desist communication to Alpha Recovery XXXX ... I explained my situation to them ... pertaining to my current health situation and that in no way shape or form that I have means to pay..please do not contact me again ... received communication again pertaining to this same situation..going you can help rectify this problem ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: KY

Complaint narrative:
This was on an account that is over 2 years old. I moved from one place to another. I cancelled my XXXX account and asked them to send me a box to send their equipment back. It took XXXX different boxes to send it back. When I did I got a receipt and kept it. I still have it. This is the second time that I am having to dispute this on my credit report they just keep sending it back to collections. I am very upset about this. I do n't owe them anything. They even said I did n't and sent me back a refund check with there apologies. How does this keep happening?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
We applied for a conventional mortgage with Citizens Bank. We submitted an offer on a HUD home where we agreed to make repairs. This was laid out in purchase agreement submitted to the bank on day 1. We proceeded to go through loan process only to find out after 6 weeks that they can not fund a conventional loan on a home that needs repairs. I spent countless hours submitting documents & trying to get status. Loan officer was unresponsive and even after escalated to his boss, not much changed. We paid for an appraisal {$450.00} for a loan that could not be funded. This was never disclosed to us. This has been a series of failed promises & missed deadlines. i requested letter stating that we could not proceed till repairs were made so that we could feed that info back to HUD. Both Loan officer and his boss refused. This will result in the loss of my earnest money of {$1000.00}. This has been stressful, and difficult to understand. I have a timeline ( attached ) of all the events laid out on spreadsheet that I gathered from a series of emails and conversations thru this process. I have never encountered worse customer service. It 's my understanding that we should have received a notice of approval within 30 days. This is a violation. I have been instructed to withdraw my application by XXXX XXXX. I have not done so. The bank should issue letter stating that they are unwilling to provide conventional financing on collateral. Denial for financing should be issued due to collateral not withdrawal of my application. 
Your consideration in this matter is greatly appreciated. It is my hope that no one else will have to endure this kind of service in there quest for a loan. 
So disappointing!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: CO

Complaint narrative:
XXXX states that I owe them {$390.00} for discontinuing service with their company while under contract. I claim that I was not under a contract when I discontinued service with their company. I have asked XXXX XXXX to provide proof of contract, and they can not. They have turned my account over to numerous debt collection agencies, and one of them ( Enhanced Recovery Company ) has listed the unpaid debt as a negative on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: GA

Complaint narrative:
Recently reviewed my credit report an observed a collection account for the amount of {$200.00} from ERC in regards to a XXXX account. Contacted ERC and they stated that I owed a balance of {$200.00} for a past account. Informed ERC that I cancelled XXXX service in XXXX and ported my phone number to XXXX XXXX with my husband. My balance was paid in full and the last statement I from XXXX was a XXXX balance. 
Informed ERC that I am a current XXXX customer and began service with XXXX again in XXXX XXXX. My account is current a payment was submitted to XXXX on XXXX/XXXX/XXXX for the amount of {$180.00}. 
Also informed ERC that XXXX never sent a notice for payment of {$200.00}. Disputed the validity of the account with ERC and requested documentation of charges. ERC has failed to provide any documentation regarding account as of XXXX/XXXX/XXXX. 
I have contacted XXXX and they have no knowledge of a past due account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
repeated phone calls after they were informed they are using my cellphone minutes. Can not keep incurring charges for unwanted calls

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: NY

Complaint narrative:
I paid payment in full to one collection agency, XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX, XXXX. Then, a year later I get dunned for the same debt by another collection agency : ERC, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. 

I called both agencies, plus the original debt holder, XXXX XXXX. XXXX XXXX sent me all related receipts indicating payment in full, but ERC and XXXX do n't appear motived enough to look at my paid receipts. 

I have attempted to clear this matter up on my own, but it seems not to be working. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-05 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: IL

Complaint narrative:
I was told their was XXXX intial fiance fee of XXXX they rest would be payments of XXXX on a XXXX loan so today would been last payment of XXXX ... they took XXXX and still said i owed XXXX so i called and talked to them they were jerks to me, and said you get charge XXXX fiance fee every XXXX wks unless u make bigger payments!! That was not how it was explained to me when i called and asked questions..Im not paying them another cent they got their money plus some. how can they lie and get away like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: NY

Complaint narrative:
XXXX keep send different debt collection after me, I 'm a victim of identity theft I already send out paperwork to them befor and still contacting me about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: NC

Complaint narrative:
I have never been with XXXX. All my phones have always been through XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: OH

Complaint narrative:
I keep receiving telephone calls from Enhanced Recovery Debt Collections although I 've told them in the past no one lives here by the name of XXXX. They are calling from multiple numbers and this is harassment!!! I 've received calls from XXXX and XXXX multiple times a day, everyday!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: SC

Complaint narrative:
I have contacted Enhanced Recover XXXX XXXX FLXXXX have mailed XXXX letters and numerous phone calls asking for information on a debt that is showing up on my credit report. I have even disputed it with the credit bureaus. I have not received a satisfactory answer. I have never had XXXX for anything. I asked for a signed contract showing my signature, the date of the service, time etc and nothing. I want this removed from all the credit bureaus, but nothing is happening with this collection agency.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: MN

Complaint narrative:
I took a loan from XXXX XXXX XXXX based on an offer that came in the mail. I did this in a hurry and signed online electronically agreeing to make payments by automatic with drawl from my checking account in the amount of {$220.00} per paycheck every XXXX weeks. I was granted a {$900.00} loan and have had XXXX payments of XXXX dollars and see I still owe {$1100.00} on the loan. the interest rate is XXXX %. I feel charging this amount of interest should be illegal as I feel I was taken advantage of. However I singed electronically and the form that came in the mail states they are protected by independent regulatory body of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: TN

Complaint narrative:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into an agreement with this company that indicates they have provided me with goods and that I agreed to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
XX/XX/2015This complaint is in regards toCitizens Bank N.A. ( Citizens One Auto Finance ) XXXX, XXXXI submitted a payment to pay off my loan on Citizens Bank - web pay on XXXX/XXXX/2015. The payment was withdrawn from my checking account on XXXX/XXXX/2015 for {$17000.00}. I spoke with Citizens Bank on XXXX/XXXX/2015 who told me the payment processed and the title was mailed. I received the title and a letter stating the account was paid in full. On a side note, the reason I called on XXXX/XXXX/2015 was to ask why they attempted to withdraw the amount ( {$17000.00} ) again on XX/XX/XXXX and XX/XX/XXXX resulting in two insufficient fund fees ( {$32.00} each transaction ) from my personal bank. These fees were reversed by my bank on XXXX/XXXX/2015 once they realized that the original payment went through, and the latter two attempts much have been a mistake. 
I received a call a few days ago from Citizens Bank N.A. stating that I was delinquent with my monthly payment, and the money withdrawn from my account on XXXX/XXXX/2015 was reversed because I submitted the final payment online. I was not aware I could not do this. Citizens Bank N.A. is telling me that the payment was reversed and redeposited into my checking account. However, the money was not returned to my account. I have a bank statement showing that the amount was withdrawn and not redeposited. I was also told the title sent to me is null and void. 
I think this is poor business practice and terrible customer service. I feel this is a breach of contract. If I could not pay the loan off online, this information should have been provided to me when I called for the payoff. Each time I call they can never find the notes from my previous calls. This is very frustrating and {$17000.00} is a lot of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: GA

Complaint narrative:
Upon receipt of the enclosed notice, I am sending this letter to regarding my response to ( See Enclosed file Attached ) notice I received from Enhanced Recovery Company , LLC on XX/XX/XXXX. First and far most, this appears to be a fraudulent statement. Any one or any agency can submit an invoice of this nature to a consumer demanding a payment from a company. For example, according to this questionable billing statement, implies this service could have possible been provided to a XXXX - Here is my advice, Please provide consumers with specific details for the address as to where this service was provide. Next, I never received any Billing Statement from XXXX saying that I still owe this amount after closing the account XX/XX/XXXX. XXXX XXXX years ago ) Furthermore, I am in dispute of any XXXX XXXX provide during this time, since there have been reports released alleging " A class action lawsuit filed in Superior Court accuses XXXX of unfair and deceptive business practices, claiming the company charges customers for services they did not receive during time periods in which their XXXX services were suspended and/or disconnected. '' XXXX of consumers have been harmed financially and emotionally by their illegal and unethical practices. What many consumers may not realize is that they have legal rights. 



Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair CREDIT BILLING ACT, and validation is requested. Also, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: AZ

Complaint narrative:
ERC is forum shopping and using an address not on file for me since XX/XX/XXXX to collect on a debt that was paid back in XX/XX/XXXX. My account was opened with a XXXX address yet ERC purposely chose an address which has not been used for 30 years in anticipation that I would not be able to dispute it long distance. Fortunately, my parents forwarded my mail where I intercepted this communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: FL

Complaint narrative:
There is a agency collecting for an XXXX account which is unknown. I have requested validation and contract I signed and proof this is an account that belongs to me. This is unknown and the date is unknown. I want to see an actual contract with my signature on it. This simple statement does n't validate anything. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief