vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-22 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: NJ

Complaint narrative:
A company called Enhance Recovery Company supposedly representing XXXX put a collections on my credit report at of XX/XX/XXXX saying they purchased a bill XX/XX/XXXX from XXXX which was allegedly from XX/XX/XXXX I have never received any communications from XXXX with threats of collections for a past due account and I have never received any correspondence from this collection company ERC they have violated section 809a of FDCPA. I still have not received any written or verbal communication from them and XXXX can not find this account that I am supposedly liable for I have had XXXX for 4 years as an individual account so this is ridiculous and has negatively affected my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Big Picture Loans, LLC
State: IN

Complaint narrative:
Over the phone loan based on a " you qualify '' flyer from bigpicture loans. They told me I could pay it off in XXXX payments and that my payment would be {$100.00} per pay check because they would put me on special payoff plan. I borrowed {$500.00} after XXXX payments I called to make sure it was paid off and they said I still owed and had n't paid anything off, only interest and that it is set up for XXXX payments set up for 785.79 % that ca n't possible be legal. I called them and they said I just have to pay it because they post the rates and payment schedule on line even if I did agree over the phone, also they are a XXXX that is not subject to US Federal regulations. I now have paid {$980.00} and they say my loan is till {$420.00} out of the {$500.00} i borrowed. There is no way this can be legal, how can this be.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
After several attempts to resolve a credit denial based on erroneous information I remain frustrated with the FCPB, XXXX, Citizens Bank, and XXXX XXXX stores so I am attempting yet again to correct this situation. 
1. XXXX XXXX stores employees are not trained in sales of financial products such as the Citizens Loans associated with the XXXX XXXX Upgrade Program. After discussing the situation with the manager of the XXXX XXXX XXXX on XXXX XXXX in XXXX PA he recognized the need for further training for XXXX employees as they were not providing customers with factual information regarding the financing associated with the upgrade program. He also admitted that the way the information was provided for credit checks did not give customers a way to ensure the employee was providing the correct information. All information with the exception of the social security number was input onto a handheld device by the employee so errors could easily occur. Moreover the customer did input the social security number but is unable to verify correct input as the numbers were all starred out to protect the customer. So XXXX is not describing the financial product correctly and input is easily erroneous. 
Denial by Citizens Bank was based on information from XXXX that is nowhere to be found on my XXXX credit report as none of the reasons ( garnishment, attachment, foreclosure, repossession, judgement or collection ) for denial provided have ever happened to me and do not appear on the credit report provided to me. 
Thus either XXXX is not providing me with my correct and valid credit report or Citizens Bank has given them incorrect information to run credit check or just refusing to admit to errors. 
Moreover XXXX does not provide a way to dispute this credit check because I did authorize it. But XXXX will not help with correcting the information provided to Citizens Bank. 
To sum up I am filing complaints against : 1. XXXX XXXX XXXX for failure to train employees is sales of financial products such as personal loans and allowing customers to verify the information provided as correct. 
2. Citizens Bank for refusing to investigate their errors in processing my application either with XXXX XXXX, Citizens One Employees or XXXX. 
3. XXXX refusal to investigate how Citizens One Bank was provided this erroneous information or provide me with the credit history that has the incorrect information for dispute. 
As of XXXX XXXX my XXXX Credit Score is excellent at XXXX with no public records ( garnishments, foreclosures, attachments, repossessions or attachments ) on the report. 

I have worked very diligently to keep my credit rating as excellent and I do not wish to have this error remain on my history. 
Thank You for your help with this matter. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
This business does not communicate in a timely or effective manner regarding applications for home mortgages, or refinancing, which forced costumer to complaint and request information regarding the status of her loan application in an open Costumer Service comment box. To which the Loan Originator reacted in a rather unprofessional matter, costumer had to ask XXXX XXXX ( loan Originator At citizens One ) to lower his voice and to please transfer the loan application to another Loan Originator. Customer also requested to speak with a manager ( XXXX XXXX ) and made the same request. 
The Customer request were ignored and the lack of communication regarding the loan application continued. Customer made another post on the general Citizens Bank complaint box and immediately received a very animated call from XXXX XXXX telling the customer that she has been denied. 

This customer has documented all the attempts to try to get her loan application transferred to another loan originator given the lack of professionalism of XXXX XXXX, this customer discussed this transfer with XXXX XXXX who is the local Citizens Bank Loan specialist at the branch where this customer does her banking, XXXX XXXX seemed eager to help the customer get the loan application transfer to her until she contacted the Loan XXXX, XXXX XXXX. XXXX talking to XXXX XXXX, XXXX XXXX called customer to report that XXXX XXXX told her that the loan application could not be transfer, costumer has a voice message with this information. Now customer is extremely concern given thath all her sensitive financial information is with individual that have kept her in the dark about her loan application process, have disrespected her as a customer by yelling over the phone for having asked about her loan status, have been lied to not only by the loan originator but also by a manager. 

This customer is kindly requesting the neutral review of her loan application by an external agency as well as a the refund of the funds paid towards the home appraisal. I can not express enough how unprofessional and stressful this experience with Citizens One has been. Not to mention that my XXXX Credit score may be impacted by having this inquiry done, that can not be repaid.

Company response to consumer: Closed with explanation
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 was paid
Company: ERC
State: MO

Complaint narrative:
Paid the debt off, still is showing on my credit report that it is derogatory.

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 2015-09-08 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: TX

Complaint narrative:
A debt for XXXX in the amount of XXXX dollars showed up on my account about a year ago. I have gotten this debt removed XXXX already and now it has popped back up a XXXX time, because the account keeps getting sold to another collector. I have supporting documentation that the previous collector agreed to remove the account from all XXXX credit bureaus.

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 2016-04-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have called Macy 's concerning a negative rating on my credit report and they first assured me that the issue would be resolved when I call them back the following Monday. When I made the call they took a very different tone and attacking my character. I mentioned that I always pay my debt with an automatic XXXX XXXX XXXX payment, for example below every month : Dear XXXX XXXX : The following payment has been scheduled : Pay To Account : MACY 'S Account Number : XXXX Payment Amount : {$150.00} Deliver By Date : XXXX/XXXX/2016 Confirmation Number : XXXX Pay From Account : XXXX Account Description : XXXX CORE CHECKING I was not aware that I was behind on my monthly payment and it could have results on some tech error. they refuse to listen and show no empathy or acknowledge my concern.

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 2015-12-07 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ragan & Ragan, PC
State: NJ

Complaint narrative:
I settled this debt with an agency representing XXXX roughly 2 years ago for exactly XXXX dollars. Now XXXX apparently did not status my account settled and illegally sold my difficiency balance and has a law firm of XXXX in NJ suing on behalf of the purchaser of the debt XXXX. This is exactly what the CFPB has been fighting, poor record keeping, chain of title and shady operations and debt purchasers going after people who no longer owe on their debt. I am getting my statements which I have to pay for to pull the statement that reflects the XXXX payment I paid. Why would I pay XXXX and then stop paying if it was n't a settlement? That makes no sense. If you can get the collector notes and or recorded call it is with a 100 % certainty you will see and hear a settlement was completed for XXXX dollars. It actually was going to be XXXX, but I had to borrow from my girlfriend/family so I negotiated with agency to pay XXXX. I need your help in ending banks and debt purchasers who operate like this. This is why people have a poor perception of banks and debt collection because of banks like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had fraudulent charges in my bank account totaling in excess of {$23000.00}. I explained this to my bank Capital One bank. The charges are all from a company called XXXX which they informed me is a trading company. I did not approve this account and they have no information where I signed any paperwork indicating that I opened an account with them. I told my bank Capital One that I lost my wallet in the summer of 2015. I did not say this is the cause of the fraudulent activity, I do n't know how they got my information and assume it was through some form of internet hacking or it could be someone who has my information. Although Capital One bank has not decided as to whether they will give me credit for this money, I need help as to getting a fair process as they sound a bit accusatory when I spoke to them on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 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: NY

Complaint narrative:
I have been looking thru my credit score and i have notice i have several different claims that am not aware or have ever open a cell phone with XXXX. and still they report that i owe them $ XXXX.iam trying to fix this so i can continue with my life and hopefully fix my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I applied for a personal loan with " Citizens One Personal Loan '', during the process I was never asked if I was US citizen or permanent resident, once the loan was " almost complete '', as I have an excellent credit score, they asked me for a copy of my social security number that clearly says " valid for work only '', after providing the document they denied the loan. 

When i call the bank and I asked for a copy of the application where I was asked to confirm that I was us permanent resident or US citizen they denied to send a copy, the bank mentioned that I accepted the terms of the application and that they will not provide a copy of the document. 

When I asked for the terms of the application over the phone, they read them over mentioning that they required " A valid Social Security Number '' as read from the application, when asked the bank representative to clarify where in the application " a valid social security number '' was explained, they said that there was not definition in the application for a " valid social security number '' and neither in the document but they understood it, when I asked why this was not requested to be clear during the process, there was not a clear answer. 

I requested them to remove the hard inquire due to this faulty process which they denied, when as asked for a copy of the application where I could see clearly that I choose any of the requirements " US Citizen or permanent resident '' they denied to provide a copy of the document or support.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Checks that were ordered from my new checking account at Citizens Bank were stolen in transit on XXXX/XXXX/16. XXXX checks were fraudulently written between XXXX creating a - {$2300.00} overdraft in the account. I called the bank immediately upon hearing about the overdraft and filed a police report. I signed and sent affidavits regarding all the stolen checks. Due to miscommunication, oversight, and other errors by the bank, there continues to be a - {$610.00} overdraft in the account and the account is now 'charged out ' even though there is a fraud claim still pending. At XXXX point, the bank mistakenly sent out a 'Fraud Suspicion ' report to XXXX and almost had my current checking account closed. It is now 75 days since I first reported the incident, 49 days since I faxed the first affidavit and 38 days since the last affidavit was sent to the fraud claims department. Very little explanation was given as to the process of filing these claims and how long they would take. Customer service supervisors at Citizens Bank are not returning phone calls. There is little if no communication between the customer service department and the fraud claims department. No one at Citizens Bank can give any time frame as to when the funds in my account will be restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Over a XXXX month period I made additional payments to my mortgage that were supposed to be applied to principal. 
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXon XX/XX/XXXX I was charged the interest due in XX/XX/XXXX that would have been significantly reduced by the principal payment had it been properly applied. 
on XX/XX/XXXX both payments were applied to principal. 
on XX/XX/XXXX the additional principal was applied as a XX/XX/XXXX payment and I was charged for XX/XX/XXXX 's interest again XXXX days prior to the interest even being due. 
When we discovered this issue we requested a correct to the account. CCO Mortgage has repeated changed the account always placing the XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX principal after all the interest is calculated. 
It is now XXXX and I had an approved automatic payment removed from my Checking account that was lumped in with the XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX principal in an attempt to correct the Mortgage payments. CCO is now claiming my XX/XX/XXXX payment is late even though it is clearly been paid. 

I have XXXX been overcharged for interest. 
They have XXXX attempted to fix the account but even though they are supposedly banking professionals they continually apply principal payments after they calculate interest in a clear attempt to overcharge me. 
Payment History:XX/XX/XXXX - Normal Payment ( Principal, Interest Escrow ) XX/XX/XXXX - Additional Payment of {$5000.00} applied by CCO Mortgage as the XX/XX/XXXX payment. 
XX/XX/XXXX - Normal Payment applied as XXXX - Additional {$5000.00} payment applied as XXXX - Normal XX/XX/XXXX Payment. 
XX/XX/XXXX - Additional {$5000.00} applied as the XXXX payment by CCO Mortgage. 
XX/XX/XXXX - Initial call to correct the account payments. 
XX/XX/XXXX - XX/XX/XXXX Multiple attempts by CCO to correct the payments always charging more and more interest with each attempt to correct because they continually apply the principal payments after they calculate each months interest. 
XX/XX/XXXX - Normal payment taken out of Checking account but applied as Principal. 
XX/XX/XXXX - Called CCO Mortgage with an attempt to fix the missing XX/XX/XXXX payment that was lumped in with the attempts by CCO to correct the account. 
XX/XX/XXXX - Late payment notice issued by CCO Mortgage requesting immediate payment for XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 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: LA

Complaint narrative:
XXXX has put me in collection for a debt that I do not owe. They have never sent any outstanding balance info and never contacted me once about any unpaid debts. I do not have an account with Enhanced Recovery Corp and do not owe them any money.

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 2016-07-20 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
Debt collector continues to call my family members daily even after they asked him to stop. He also disclosed private information about my debt to XXXX of my family members. And is using his name when he contacts other family members. Also calls my phone and their phones repeatedly throughout the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I took a loan for XXXX with this company called Big PIC loans. I knew the interest was high however, I did not know that I would be paying this much. I already paid them XXXX in XXXX biweekly payments. When I reviewed my future payments I have payments scheduled payments through XXXX 2017 for XXXX on an XXXX loan. I made a big mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: CA

Complaint narrative:
On XXXX XXXX, 2015, I found Enhanced Recovery listed on my credit report ( XXXX and XXXX Account Number per Credit Report : XXXX ). I have never been contacted by them, never received a dunning letter stating I had XXXX days to dispute ... nothing. I just found them on my credit reports. I immediately sent them a DV letter. It was mailed on XXXX XXXX, 2015 and received XXXX XXXX, 2015. ( Tracking number via XXXX XXXX, mailed to ENHANCED RECOVERY XXXX XXXX XXXX, FL XXXX ). On XXXX XXXX, I get an alert that Enhance was posted to my XXXX report. That right there, posting an account to a credit report while in dispute and not showing proof, is a violation. On XXXX XXXX, I disputed it with all XXXX CRA 's. Within XXXX hours, Enhanced verified the account with all XXXX CRA 's. Still till this day, XXXX XXXX, 2015, Enhanced has ignored my DV and has not responded to my DV but they continue to verify with all XXXX CRA 's. Huge violation! Enhanced has violated the FDCPA section 809. I want this account immediately removed from all CRA 's.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief