vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Collections, Inc.
State: SD

Complaint narrative:
XX/XX/XXXX, I was made aware of an old daycare bill that was in collections. The total amount, with fees included was {$470.00}. ( The original amount due to the provider was about half that. ) I paid {$200.00} down, and set up a payment arrangement for {$28.00} a month for ten months.I paid the debt by following the payment arrangement and was recently contacted by a representative of the company to pay an additional {$100.00}. I do not owe this debt. When I told him that he threatened to seize property, garnish my wages, or let the courts decide. This very same debt is also listed on my credit report by XXXX for the original {$470.00} and I told him about that as well. He stated that he does n't know who that company is or why the original debt is listed twice. I told him many times that the debt was paid in full and he kept threatening these things. I 'm so distraught over this issue that I 'm physically ill. It 's not about the {$100.00} that he claims is due, it 's the way I was treated, by him, during the call. I know that this debt is paid in full and he harrassed and threatened me until I finally told him to take it to court because I am disputing the validity of the debt. I 'm thoroughly disappointed with the lack of respect and his refusal to hear what I was saying. I have bank statements to support that the debt is satisfied. I 'm not sure what my next step should be in this, but I know he is n't right in what he 's trying to do. I believe in doing the right thing and I have paid this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Procollect calls me all the time. They must have the wrong number.. I do not know the person they are trying to reach I asked them to stop calling me but they have n't.

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 explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: NY

Complaint narrative:
This is a formal complaint against AMS SERVICING LLC now known as Seneca Mortgage Servicing LLC- Loan # XXXX they serviced the mortgage from XXXX XXXX to XXXX XXXX A tax lien was paid by XXXX on XXXX XXXX XXXX I spoke to XXXX today and they said it was paid off and we can ascertain that information from XXXX County Creditor the delinquent tax section . Seneca was definitely aware of the Tax Lien. 
Furthermore, after receiving a breakdown from Seneca- it is clear that I do not understand who they were paying our money to in the disbursements. That is not a way to do a breakdown and analysis of other people 's money. I am not sure who is responsible at this point for the willful failure to pay our School Tax for period ending XXXX or the second half of XXXX or the General Tax for the second-half of XXXX Everyone that we have encountered so far should be in prison for all I care. XXXX will deal with them accordingly, trust and believe. I just learned that XXXX XXXX got permission from one of these crooks to pay of the lien but we are doing our own investigation. We will file a formal complaint against them also as XXXX XXXX was under investigation by New York State Department of Financial Services Financial Frauds & Consumer Protection Division in XXXX XXXX. Please be advised that this is complaint is in conjunction with ( CFPB CASE # XXXX against XXXX XXXX XXXX ) & ( CFPB CASE # XXXX against XXXX ) AND NOW THE THIRD COMPLAINT against Seneca.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-04-27 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: MO

Complaint narrative:
XXXX XXXX XXXX, sent my debt to collections. I did owe this money and paid it on XXXX XXXX, 2015 in the amount of {$950.00}. Debt was paid to directly to XXXX XXXX XXXX. Tracking # received from XXXX XXXX XXXX XXXX XXXX. I have called XXXX XXXX XXXX several times and they have not notified the Collection Agency to remove this from Credit Report. I have also contacted the Collection Agency, Address and Phone # below and they also have not taken action to clear this up on my Credit Report. Enhanced Recovery Company, XXXX XXXX XXXX XXXX XXXX XXXX, Phone # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-31 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: GA

Complaint narrative:
Enhanced REsource Center -ERC ( a debt collection agency ) started calling my home, I finally answered the call and was told this was an attempt to collect a debt for XXXX XXXX for {$140.00}. I told the young lady she had the wrong number, as XXXX does not service my area - I have ATT. she said it was for a service address in XXXX. I stated, I do n't know anyone in XXXX, XXXX and if it has my name I am a victim of I.D theft. She stated, the account was opened and that was the service address and my name and number in GA was listed as the bill pay address. I said, I have never heard of such a thing. She kept asking, How was I going to pay the debt? I finally got her to realize it was not my debt. I asked was my SSN used and she said no. She gave me a number for XXXX. I called XXXX XXXX. and asked did they allow their customers to bill to XXXX party address without consent?, and I was told, YES. When I called back they rep. denied I had a bill with them. I have recently been told I have to go thru the fraud dept at Charter and fill out the paperwork, however, I think that is insane being that they -Charter allowed someone to bill to someone else 's address in a totally different state. I know the Identification theft process I have had to use it before. But I feel XXXX was negligent approving such foolishness in the first place and they should be held accountable and made responsible for finding a solution. I still received a bill from ERC notifying me I had 30 days to prove it was not my debt or I would be held accountable. Again, XXXX was negligent in letting the stranger use my name and address without first verifying with me. I was not aware service could be established with a SSN in any type business. I also never received a bill from XXXX XXXX alerting my of service in my name. My first notification was from the bill collectors.

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 2015-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I sold my property and my closing attorney wired the full HELOC payoff amount ( $ XXXX ) to Citizens XXXX on XXXX XXXX. On XXXX XXXX ( 6 weeks later ) I received a notification that my account was delinquent. With my account seemingly payed off, I was very confused. When I called Citizens XXXX, they said my account had not been closed and I owed XXXX $ to close the account. Again, if my account was paid off and closed, this makes no sense. After a lot of back and forth with Citizens XXXX and my closing attorney ( including all XXXX of us on a call at once ), the following came to light : - Citizens XXXX received the full payoff amount on XXXX XXXX ( we have the wire transfer documentation that states that it should be a payoff applied to my account ) - On XXXX XXXX, Citizens XXXX contacted my closing attorney to get the 'authorization to close the account '. The closing attorney and Citizens XXXX went back and forth several times attempting to fax the form. They notified the closing attorney several times that it did not come through ( I too have had problems faxing to Citizens XXXX ). 
- Eventually, Citizens XXXX did not return my closing attorney 's call to state that the fax did not come through, so the closing attorney assumed it was finally received. 
- Citizens XXXX then did nothing with the wire transfer for the next 7 days, so my account still had a balance and continued to accrue interest. 
- On XXXX XXXX, Citizens XXXX finally applied the funds to my account, NOT AS A PAYOFF, but as a standard payment. 
- AND, they did not backdate the funds to XXXX XXXX when the funds were received. 
- Thus, my account accrued interest until XXXX XXXX ( and then beyond because the interest compounded. ) Now, they want me to pay XXXX $ to close my account when they had the funds, per their payoff quote, on XXXX XXXX. Additionally, the original payoff included a XXXX $ recording fee, yet Citizens XXXX is attempting to charge me another XXXX $ fee a second time. 
* I have attached XXXX the wire transfer on XXXX XXXX and the new payoff request for XXXX {$.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: TN

Complaint narrative:
On XX/XX/2015 I was having some financial difficulties and applied for {$600.00} from Castlepayday that would be deposited to my account on the same day. When talking to the representative, who was extremely hard to understand, I was not made aware of the extreme interest rate that I would be charged. I was not able to view the Truth in Lending disclosure until my application was " approved '' and funds were deposited into my account. At this time I was astonished to see that the finance charges were {$3600.00} @ an APR of 867.4001 %. I then tried to contact and cancel before the " 2 day '' cancellation period but was unable to reach anyone. I was then told once finally reaching them after the third day that I could not cancel because the money was already deposited into my account and I would have to make the payments as scheduled. I not only would like to have this matter closed with no further money being " ripped off '' from me, but also to assure no other unassuming and innocent consumers be taken advantage of like myself. To date I have already paid these crooks {$2300.00} for {$600.00} a difference of {$1700.00}!!! I was told I would have to pay only {$480.00} in finance charges which obviously IS NOT the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Check Bureau, Inc.
State: OH

Complaint narrative:
I was sued by XXXX XXXX. I do not know when. I talked to National Check Bureau about this, they collected the debt. XXXX says we opened a account in XX/XX/XXXX. We were in a repayment bankruptcy. We do not use credit cards. They said they tried to notify us but they were always behind on the address, although I was employed and the address was available. The case number is XXXX. Social is XXXX. They got a judgement for {$2400.00}. We did not know until they garnished his paycheck in XX/XX/XXXX. I do not believe I owed them anything and if I did, why would they wait ten years to collect. Just so the interest was XXXX XXXX dollars higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I attempted to obtain an annual credit report from Experian on line at www.annualcreditreport.com. After submitting the form, the submission was rejected with this error : A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 
Annual Credit Report Request Service XXXX. XXXX XXXX XXXX, GA XXXX After getting this message, I backtracked to find the Annual Credit Report Request form. It displays as a PDFin the browser, but you ca n't fill it out there. You have to download it. I saved the file to my desktop, but instead of saving to a PDF format extension, the file is saved in a bizarre format - manualRequestForm.action. This file ca n't be loaded into a PDF browser. I renamed the file extension to PDF. 

My observation is that these steps all result in discouraging people from filing for a free report. The Web site provided no explanation as to why " A condition exists that prevents Experian from being able to accept your request at this time. '' It does n't say try again later. It just provides a mailing address. 

How many people just wo n't bother mailing in the request? Those who try may find it impossible to download the Annual Credit Report Request form. Then you have to wait three weeks or more to get a hard copy. 

In the time when businesses know everything about how users work with their Web sites, when organizations tune their sites to make them easy and frustration proof, this site seems to take the opposite approach and looks to discourage the very constituency it is charged with serving from getting the reports they are entitled to by law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ERC
State: VA

Complaint narrative:
There is a collection ENHANCEDRE company that claims I owe a past due debt to XXXX however this was reported by another company XXXX of which removed it from my credit report with XXXX on XXXX XXXX 2015. ENHANCEDRE does n't have any contact information on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-30 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: TX

Complaint narrative:
I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me.

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 2015-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My complaint is about overdraft fees and service charges to my bank account in excess of {$130.00} accrued in less than XXXX month due to overspending the account by {$40.00}. 

I opened a checking and savings account with Citizens Bank after receiving an incentive in the mail - open an account, receive {$200.00} after making several deposits. I initially deposited {$200.00} into the new checking account, and {$25.00} into savings. I made several purchases in XXXX 2015 and was charged XXXX {$35.00} overdraft fees totaling {$70.00}. Beginning XXXX XXXX and going on for the following XXXX days ( I am still unclear how long exactly this will continue or how to make it stop ) I have been charged an additional {$6.00} " service charge '' for " sustained overdraft fee '' EVERY DAY plus {$2.00} for the statement delivery. When I called the bank they were not able to clearly explain to me when the 10 days starts or stops. They also said it was not possible to close the account or cancel the fees until the account had been paid in full. I only overspent my account my {$40.00}. I am happy to pay that back as that was an accidental overage, but to now owe this bank almost {$140.00} more because they did not clearly explain their overdraft practices when I opened the account seems wholly unfair and unreasonable. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-24 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: CA

Complaint narrative:
I have made this complaint about this company Enhanced Recovery Corp. that is still showing on my credit Reports as a negative trade. The original fie was already disputed and was found to not be my account I have never signed anything with that creditor and did report that it was frequently. Enhanced Recovery Corp a collection agency has not place the same account on my trade stating that I owe which is not incorrect. Enhanced Recovery Corp. sent me a response via the CFPB stating that they will remove the trade, but it will take them up to 45 days. In one week I apply for another lease for an apartment for my family and I to move in and since I have already been denied a place to live last month because of inaccurate reporting. I know that I will get denied again because, of the inaccurate reporting cause by Enhanced Recovery Corporation via the CRA 's I have arranged to speak with legal counsel in regards to Enhanced Recovery Corporation. and the XXXX, XXXX and XXXX for False or misleading representations. I have already enclosing a copy of sections 6058, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft to the attorney General of California for the original credit and the last XXXX collection agencies. I refused to wait 45 days for Enhanced Recovery Corp to remove the inaccurate trade. Enhanced Recovery Corporation has an Inactive Status in the state of XXXX and withdrew authority to transact business or conduct business in the state of XXXX in 2010, but incorporated under the laws of XXXX. When researching Enhanced Recovery Corporation in XXXX I was not able to locate the Corporation, but discover another entities with different names other than what is reflected on my Credit Reports. 
Enhanced Recovery Corporation has continues to damage financial reputation, negligently support the enablement of identity fraud, and violating the Fair Debt Reporting Act. Why does this deceptive misleading practice continue and why does the Consumer Financial Protection Bureau does not place more research on the abusive debt collection companies.

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 2016-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: PA

Complaint narrative:
I RECEIVED A COLLECTIONS NOTICE FROM ERC AND REQUESTED VERIFICATION OF THE DEBT. XXXX, THE ORIGINAL CREDIT, NOR ERC, THE COLLECTION AGENCY WERE ABLE TO PROVIDE VERIFICATION OF DEBT. I AM REQUESTING VERIFICATION OF DEBT AT THIS TIME FROM THE ORIGINAL CREDITOR ( XXXX - ACCOUNT NUMBER XXXX / REFERENCE NUMBER XXXX ). ALSO, A HOLD SHOULD BE PLACED ON ALL COLLECTIONS ACTIVITIES UNTIL THIS INFOMATION IS RECEIVED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: PA

Complaint narrative:
I have not received any notices or letters from them before putting on my credit report. This is not proper way to contact the client to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-25 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: GA

Complaint narrative:
I noticed there are continuing collections being posted to my XXXX credit report. These collections have been removed on two occasions already ( by : XXXX XXXXXX/XX/2016 and XXXXXX/XX/2016 ) .Now there is another collection from, ENHANCED RECOVERY CORP for the same amount of {$580.00} for equipment that was returned via the technician who installed XXXX @ XXXX XXXX XXXX XXXX XXXX on or around XXXX XXXX, 2016

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 2016-04-18 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: TX

Complaint narrative:
They claim this amount due was for a bill incurred during XXXX. However, I have went back many years on my credit and had seen where several collections companies have passed this around. I called and asked if this debt was time barred and they stated they had no idea what that meant and refused to even acknowledge the terminology. I then called the company of who the debt is owed and after much time they determined this debt was from XXXX and written off. Well passed the statue of limitations. The company where debt was owed agreed with me and is sending them a letter to show account balance owed XXXX and they did not hire them to pursue this further.

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 2016-07-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: WA

Complaint narrative:
In XXXX of last year I received an offer in the mail for Castle Payday and was approved for a {$600.00} loan. It did not say anything in there about the 850 % interest rate.I received the funds and now every month since then they are taking out {$140.00} from my account. I have so far paid {$1800.00} on a {$600.00} loan. They have also changed their name now to bigpictureloans.com. I feel they are a predatory lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 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: GA

Complaint narrative:
I have an incorrect collection on my credit report without verification of debt. I do not have any contract with ERC ( Enchanced Recovery Copany ) and I have never done business with ERC ( Enhanced Recovery Company ). 
I have asked for verification of contract and I have not received any response at all. 
I am disputing this debt to the fullest extent of the law. They have also added it in my credit reports and are causing my credit reports to go down significantly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed