vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-07 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: AZ

Complaint narrative:
I purchased a XXXX from XXXX close to 2 years ago. I was told by the sales clerk that the one I picked out for XXXX dollars was not a good XXXX, so she directed me to a more expensive one that was over XXXX dollars for the device and XXXX a month. It is a device that allows you to have wifi service through XXXX without having XXXX in the home you are in. She told me that XXXX of the XXXX dollar one would be refunded after 60 days of having it. So I bought it. I also, of course, had to sign a XXXX yr contract for it. When I took it to where I work since there was not internet service there, it had continual horrible service. I called 3 times over a two week period to speak to customer service and they said there was nothing they could do and that I could not bring it back. They also said that if I tried to get out of my contract there would be a fee for it. They also said there was no rebate on that device, and that the sales person lied to me, but even if there had been there still would n't be no rebate if I cancelled the service for the XXXX. I was told that the charge would be XXXX dollars. My dispute was that if I kept paying on a product that did n't work for the next three months ... that would be more than my rebate that I still had n't seen as promised. I got nothing but a continual lies from them. XXXX customer service was so rude that I just told them I needed to hang up. I could n't take it anymore. I still had my XXXX phone service but disconnected my XXXXI and then I paid my cell phone along with my early disconnect XXXX fee. I tried a few more times to try to get the charge taken off since it never worked in the first place and I should n't have to pay on something I ca n't use AND that I should n't have to pay just to get back a rebate that some sales person said I was entitled to and then another said that I was n't. All of this just drove me crazy so I gave up. I paid my phone bills and then just dropped XXXX since I had been with them for so long that I no longer had the initial contract with them. It is now and has been for a long time on my credit report under XXXX different companies and is bringing down my score. It is upsetting and I do n't know what to do anymore.

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 2016-04-30 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CarFinance Capital LLC, Irvine, CA Branch
State: AZ

Complaint narrative:
They call XXXX times a day even though I talk to someone EVERYTIME they call. I ask them not to call me repeatedly as I have already answered their questions EVERYDAY. My answers will not change at this time.

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 2016-10-10 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:
Im currently in the middle of purchasing a home so Im watching my credit closely XX/XX/XXXX I get a collection account posted to my credit report from a company called ERC in reference to XXXX. I immediately notified the credit bureau to look into this matter because I have n't had any business with XXXX or ERC no phone call or mail stating I owe anything. The credit bureau did there investigations and deleted it from my file. It is now XX/XX/XXXX and I check my report and there 's another collection from the same company this time saying XXXX again in which I never even had business with XXXX or ERC this company is damaging my credit with false information. To my knowledge in the past if you owed an account the creditor will call and send you letters in this case I just been getting false information slammed on my credit with no phone call no mail giving me 30 days to validate the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-25 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: OR

Complaint narrative:
I was in need of a loan so I called and applied for a payday loan through big picture loans. I was approved for a {$770.00} loan and was told my finance charges would be in the neighberhood of {$250.00} and that my first payment would be on XX/XX/XXXX. I was told I needed to hurry up and sign the documents if I wanted the money in my account the next day. What I was not told, nor did I see anywhere on the e-document I signed, was that I was actually going to be charged almost 700 % interest on the advance. I have now paid {$1600.00} and I still owe almost another {$4000.00}. I never would have accepted the advance if I knew it was going to cost me over {$5000.00} to borrow {$770.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 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:
I wrote a check ( # XXXX ) for {$330.00} to Ask XXXX XXXX, XXXX, on XXXX XXXX, 2015 from my checking account with XXXX XXXX XXXX, which is based in Massachusetts. There was a delay in cashing the check and it was returned due to insufficient funds on XXXX XXXX, 2015. On XXXX XXXX, 2015, the check was redeposited and a returned check fee of {$50.00} was debited from my checking account. This was done by a collection agency associated with Citizens Bank. In addition to this fee, my bank charged me a return check fee of {$15.00} and Citizens Bank charged Ask XXXX XXXX {$20.00} as a returned check fee. That is a total of {$85.00} I paid for XXXX check returned due to insufficient funds. The check cleared when it was redeposited by the collection agency on XXXX/XXXX/2015 and the person I wrote the check to did not receive the funds into his bank account at Citizens Bank for more that XXXX days. He tried speaking with customer service at Citizens Bank yesterday, XXXX/XXXX/2015 and received no satisfaction. He reported that he was closing that bank account due to his frustrations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 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: NY

Complaint narrative:
There is an active XXXX account on my credit report which I have no knowledge of I have never had XXXX services before

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I applied for the XXXX update every year program at an XXXX. XXXX did a credit check through Citizens One Loans Personal who did not approve request for the following reasons : GARNISHMENT, ATTACHMENT, FORECLOSURE, REPOSSESSION, JUDGEMENT, OR COLLECTION on my XXXX Credit Report. None of the above actions have ever been taken against me nor is any of this information on my XXXX credit report. 
I attempted to resolve this issue with the bank directly but was told to file a dispute with XXXX. But as it was not on my XXXX report I was unable to dispute this statement. After contacting this Citizens One Personal Loans about 5 times I discovered they had used the wrong date of birth. Citizens One claims the social security information was correct but the DOB they used was XXXX/XXXX/XXXX. My correct birthdate is XXXX/XXXX/XXXX. 
I requested the negative credit check be deleted from my credit history as it was based on incorrect information. Citizens One refuses to do so and has advised me to contact XXXX but XXXX states the credit check is based on factual information. 
Citizens Bank has admitted to using an incorrect birthdate and this leaves me at a loss as to how to proceed. 
Citizens One Personal Loans does the credit checks for XXXX but thus far XXXX has not responded to my complaint either. I have filed a complaint with CFPB already and they too are working on this. As this is a complaint about a retail credit loan I am also filing a complaint with you regarding the XXXX XXXX XXXX and their credit check procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CT

Complaint narrative:
ERC is fraudulently reporting my credit information and re-aging my account. They are fraudulently reporting the account as being 1yr and 11months old when in fact the account is close to 6 years old in order to prevent the account from closing due to reaching statute of limitations.

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 2016-05-22 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: FL

Complaint narrative:
I bought XXXX XXXX phone purchased in full. I had a no contract month to month payment plan where you paid for any phone service up front. I canceled the service due to the month to month price increasing. I do NOT owe XXXX any money. My credit report indicates it is in collections. This is an error on the part of 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 2016-06-09 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: NY

Complaint narrative:
I received repeated calls from a company claiming to be collecting a debt from a XXXX year old XXXX acct in the amt of {$42.00}. I asked repeatedly to send me a proof of debt or anything showing a bill where I owed. I never received anything from them but, an email with a letter attached with their company letter head and a line saying I owed them. Then during this process I moved to XXXX and started the finance process of buying a home. Due to the amount of time it takes up here to close my credit with the lender expired causing them to run it again. When they ran my credit again my score dropped XXXX points thus raising my rates because Enhanced Recovery Co. ( ERC ) reported the {$42.00} debt to the credit bureaus. I immediately called ERC and disputed the claim. They advised me that the only form of communication sent to me regarding the debt was mailed to an address I no longer live at in XXXX. I asked why they never contacted me in other ways ( phone call or email ) and they gave no explanation. They emailed me a letter ( illegal in the XXXX ) that went to the credit bureaus ( attached ) at that point requesting it be deleted from my record. At this point my mortgage has risen from {$1800.00} to {$2000.00}, up {$160.00} a month over a {$42.00} debt that no one has provided me any proof of owing. How is this legal? I close on my house in a week and XXXX XXXX has asked for a " rapid re-score '' but the timing of the credit bureaus removing is not immediate and the company that re-scores takes 3-5 days and is currently waiting on an additional verification from ERC that it was submitted for deletion? How do they get the right to verify the deletion when they received a letter from ERC but I am not provided with any verification when I request it. All of this over {$42.00}.

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 2016-03-08 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: LA

Complaint narrative:
There are XXXX accounts that continue to show up on my credit report with a new collection agency every time I dispute the accounts but I 've yet to get any notification from any of the collection agencies reporting the information before they report it. I just recently reviewed my report to notice that Enhanced Recovery is now reporting the account and I 've never even heard of them. However, in the mail today I received a settlement offer from a different collection agency on one of the accounts that says nothing about enhanced recovery. When I dispute the items, I request validation on the accounts because I am completely unaware of where they accounts have come from. They get deleted and nothing is ever sent back to me so I am under the assumption they 've finally gone away. Then a month goes by and suddenly it shows up again but noone has ever informed me of the information before they just slap it on my credit report again. It 's my understanding that I am supposed to receive a letter giving me 30 days to dispute the validity of the debt prior to reporting it as well as send me this letter within 5 days of receiving the debt and none of this has ever taken place. If this is my account ( which it is not ) then why is it that when I request records, I ca n't get anyone to provide any documentation so they remove it then they just rereport it with a new collection agency without any warning? Also, one of the accounts ( XXXX ) lists an original balance of {$230.00} and on the letter I just received from the other collection agency it lists a balance of {$230.00} but then on my credit report it lists a balance for {$790.00}. None of this is legal and it 's a shame companies like this are even allowed to be in business. This is peoples lives they are messing with and they do n't care.

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 2015-04-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Williams & Fudge, Inc
State: IN

Complaint narrative:
XXXX XXXX University in XXXX, Indiana is where I got the loan, I ended up paying the bulk of it and a balance of {$59.00} was overlooked and ended up being sent to a collection agency, Williams and Fudge Inc., I made the payment the moment they called me in XXXX of XXXX, now 2 years later we look at my credit report and their name as well as the {$59.00} balance is on there as active, I thought this may be a mistake so I called the agency, I spoke to XXXX rep a male, he did not give me the mini Miranda before discussing the account, and next I spoke to a female rep and she gave me the mini Miranda, I told them what issue I had and I was told the man I need to speak to was not available, that was fine. I scheduled a call back time with them for Thursday XXXX XXXX at XXXX, the call never came, I just want this resolved and I am upset with the damage caused to my credit because the collection agency could not act responsibly

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 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: CA

Complaint narrative:
I recently discovered a questionable item on my credit report, which had been paid by my mortgage company before as a financing condition. I went ahead and asked this company to validate the account under the FDCPA. The company failed to provide me with any validation of the account and persevered with reporting the account on my credit report and even verified the account as a valid account instead of reporting it as a " disputed account '' as required by the FDCPA

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 2016-11-01 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CarFinance Capital LLC, Irvine, CA Branch
State: GA

Complaint narrative:
I have repeatedly asked XXXX and XXXX to dispute the validity of this account but this creditor ( XXXX ) formally ( Carfinance.com ) says that its my loan. Ive stressed many times that this does n't belong to me and have asked for loan documentation and a letter of validation to only be told it was sent and it cant be sent again, I ask where was it sent to and they cant say.

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 2016-04-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: TX

Complaint narrative:
This account should not be as much as it is and I do n't recognize this amount as being true

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 2016-10-26 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 given a loan of {$650.00} and was told the finance charge was {$220.00}, i was not told that this was a charge i would be receiving every 2 weeks for over a year. I was not told that my finance rate was 800 % and when i was not given any time to look over my documents before making a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 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: OH

Complaint narrative:
I never ever applies for XXXX Cll phone or any of XXXX service I have no idea and words this Collection came from or started

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 2015-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I accidently made two mortgage payments in one month and CCO Mortgage refused to refund the additional payment. My position is that they received money from me that was not owed to them. They have no right to the money and should return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 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: MN

Complaint narrative:
The company ( ERC ) contacted XXXX of my family members ( including my wife, sister, mother, XXXX daughters, and my sister-in-law ) about an alleged debt to XXXX, using language that suggested they were a law firm. They specifically referred to " legal papers '', and gave a " case number '' to the family members. They made these calls after first calling me and leaving a voicemail message.

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 2015-09-28 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: MD

Complaint narrative:
XXXX, which i am a curent customer in good standing had a billinng glitch when we moved to our new house 4 years ago. 

we eventually paid it but ever so often it pops up that we are delinquent.

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 2016-06-01 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: OH

Complaint narrative:
When i took loan out i wasnt told the interest rate just that it was like XXXX interest fee that i agreed to and now they keep calling saying they are going to sue me and be home at this time so they can serve me legal documents to sign this is from castle payday loans online in ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 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: NC

Complaint narrative:
XX/XX/XXXX I cancelled my contract with XXXX because my phone would not work at my home. I was told that I would receive a last statement. The first of XX/XX/XXXX I received a statement of {$26.00} which stated " This is your final bill, and it reflects all charged through XX/XX/XXXX. On XX/XX/XXXX I paid this bill in full. Around the XX/XX/XXXX, I received a statemen from XXXX stating that I owed XXXX {$250.00}. I called this company and told them this information and then sent copies. While talking to them, they stated that on XXXX XXXX, I paid {$40.00}. I did not pay anything after XXXX XXXX. I thought that would stop the harassment and that it was all over. At the end of XXXX, I received a bill from XXXX XXXX XXXX with the same information. I mailed the same information to them on XXXX XXXX showing I had paid their bill. Today I received a bill from Enhanced Recovery Company LLC demanding that same amount from XXXX. I believe that XXXX is harrassing me by continuing to have different companies send letters demanding a bill that they know I do not know. Also, I believe they are putting this on my credit report every time. Can you please stop this harassment?

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 2015-04-18 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: CA

Complaint narrative:
On XX/XX/XXXX Enhanced Recovery Company , LLC called me several times and sent a notice that I owed {$690.00} to XXXX XXXX XXXX. I had no responsibility for the debt and disputed via mail. 
I received another debt notice from Enhanced Recovery Company , LLC for {$330.00} on XX/XX/XXXX. Again, I have no responsibility for this debt and am disputing it. 
Obviously, the company is fishing for victims who will pay the debt for whatever reason. 
Can something be done to stop them? 
Thank you in advance for any help you can provide. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief