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

Complaint narrative:
I called the number on my answering and gave the reference number, and it is not for my family. I informed this " XXXX XXXX '' at the number that I did n't know the person the debt belongs too. I also informed her that since this is a recorded line, that I have ask in the past 6 months for them to remove my phone number. Obviously, it has not been done, still.

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 2015-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
BLAKELY WITT & ASSOC with an address of XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX states I owe them {$260.00}. I found this out when I looked at my credit report. I do not know what this is for, I do n't know who these people are, and they are reporting negatively on my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 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: NY

Complaint narrative:
XXXX would not itemize the charges they gave me after closing an account with them at XXXX XXXX XXXX XXXX Every month was paid. They charged for not returning equipment, but I never rented equipment from XXXX. It would be in the XXXX statement and subsequent statements since there is a monthly fee to rent their equipment as far as I know. 

I made many attempts to work this out with XXXX. Representatives said they would send me an itemized list of the charges, but they never did. It was later given to a collection agency, but I do not owe anything as far as I know. If the reason for the charges were given, I would understand what I am paying. But, if they were misinformed about the equipment, I believe these charges are misplaced.

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 2015-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Charter One Mortgage aka RSB bank has failed to make timely private property insurance for the year XX/XX/XXXX and XX/XX/XXXX. Our property insurance is included with our mortgage payment and has never been late, Instead of paying XXXX XXXX charter one is force placing insurance and increasing our mortgage payment. I contacted Charter one mortgagee XXXX and spoke with XXXX XXXX and XXXX and requested a escrow statement and was advised that because I have a chapter XXXX bankruptcy charter one is not obligated to send me information regarding the mortgage, It should be noted that the mortgage is not part of bankruptcy and the mortgage payment has been paid on time for the last XXXX years. I also do not have access to my account online to be able to keep track of my payments. Customer service and the insurance department refused to give me any information regarding my account and I am concerned that my hazard insurance will not get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 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:
On XXXX/XXXX/17 I discovered Enhanced Recovery Corp had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-23 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: ID

Complaint narrative:
XXXX XXXX has sent a bill to collections that was already settled. They are charging me for a modem that was sent back a long time ago. They say they have no record of this. I have researched XXXX XXXX and there are numerous reports of other customers who have had this problem with XXXX 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 2016-04-09 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: NY

Complaint narrative:
I think that XXXX is unreasonable for a Saturday, considering that they were looking for a XXXX XXXX, someone who could not have had this number or address for at least 12 years. There should be some due diligence on who has had the phone number. There is on and has not been a XXXX XXXX or XXXX XXXX at this number, so why do I get calls about them 12 years after this number was assigned 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 2016-07-06 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: TX

Complaint narrative:
XXXX credit report showed Enhanced Recovery collection account. 
XXXX requested validation from Enhanced Recovery collection XXXX Enhanced Recovery removed collection account from XXXX and XXXX XXXX Enhanced added the account back under new account number and higher amount to XXXX and XXXX credit reports with different open date. 

However Enhanced Recovery never responded to validation request

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 2015-03-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ERC
State: FL

Complaint narrative:
My wife I continue to receive these collection letters from ENHANCED RECOVERY COMPANY, LL attempting to collect a debt. We filed them in our bankruptcy petition on XXXX/XXXX/2015. 

They still continue to violate the Federal Bankruptcy Law. I have also notified our Attorney of the collection letters. Please follow up with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Refinanced our home mortgage with XXXX XXXX XXXX. Closed on this on XXXX/XXXX/16. Closing agents sent payments to Citizens Bank to close the XXXX loans on XXXX/XXXX/16. The payoff amounts sent to Citizens were actually higher than the amounts owed on the loans. In excess of {$1400.00} on XXXX loan and {$220.00} on the other loan. This excess was not deposited into our existing Citizens Bank checking account. I called our local Citizens Bank branch office today and XXXX told me that they have the money, they will not put it into my checking account. They will issue XXXX checks to me on XXXX/XXXX/16 because it takes 10 days to process this. Seems extremely unethical banking practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 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:
Enhanced Recovery added a collections account to my credit report on XXXX/XXXX/14. I noticed the debt on my credit when I checked it in XXXX 2014. I sent the first certified letter XXXX XXXX, 2014 and have sent multiple letters since then to this company and all 3 credit bureaus. We have sent multiple certified letters to Enhanced Recovery Company , LLC requesting verification of the debt because it is not mine. They have refused to provide proof of the debt and refuse to remove the item from the 3 credit reports.

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 2017-01-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I applied for a refinancing mortgage XX/XX/2016 from XXXX 's Banks under the advice of a sales rep who I had worked with before from another institution. I provided all documents same or next day. The lender kept responding with higher rates and rising closing costs. In other words, it was a complete bait and switch operation. I spent over {$1000.00} in application fees and appraisals. They keep promising a resolution, but 4 months later, no refinancing. I have missed all the favorable rates and if I start over with another lender, my application will be tainted with numerous inquiries to credit authorities. 

I am requesting that they close the loan on the terms that were initially offered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: ND

Complaint narrative:
i took a loan out in the amount of XXXX dollars i was only advised i would have to pay back XXXX, i ended up paying back XXXX dollars and now they are stating my loan pay off is in the ball park figure of XXXX dollars i was never advised of the 850 % interest

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I was divorced in XX/XX/XXXX. During the divorce, in XX/XX/XXXX, I signed a Quit Claim deed to allow my ex-spouse to re-finance the property into her name only. Citizens Bank, aka CCO Mortgage, took her application, but instead of re-financing, they changed the terms of the original loan. Changing things such as the interest rate, length of the loan, and payment schedule. 
I was informed by my ex that the loan had been re-financed and took her at her word. However, in XX/XX/XXXX, she fell behind on the mortgage, and the mortgage hit my credit report. 
I contacted CCO Mortgage, who informed me that they could not and would not provide any information on the loan to me because it was no longer in my name. They also refused to do anything about the credit report. 
My ex caught up on the mortgage, and since I could not afford a lawyer at the time, I let it go. 
XX/XX/XXXX, I found the payments were again past due. contacting my ex, she stated she was falling behind to do another modification. CCO Mortgage again modified the terms without my consent, and have now added my name back on the mortgage. Again with no notification or signature from me. 
I have now hired a lawyer, and am attempting to get my name off the mortgage, and my credit cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 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:
On Saturday, XXXX/XXXX/16, I deposited {$1100.00} in cash with an in-person teller at a Citizens Bank branch. I had reason to believe that these funds would be immediately available, but the funds did not post to the account until Monday, XXXX/XXXX/16. In the interim, I made transactions as I believed there were funds available. However, even on Monday morning, transactions were made that resulted in overdraft fees, even though the cash had been deposited the preceding Saturday. I accrued three overdraft fees, one of which was immediately waived by a Citizens Bank customer service rep. However, upon speaking to a Citizens Bank customer service supervisor, he claimed that the uncleared check deposit of {$480.00} resulted in these overdrafts. 
I performed the math more than once, and it did n't add up. Even with the transaction of {$200.00} made on Sunday evening to XXXX XXXX, I had reason to believe that I had funds available to clear these charges on Monday. The supervisor refused to waive these two additional fees of {$35.00} each. 
I expressed my disappointment and felt that it was unjust to charge these fees when I was under the impression that the funds were available. It is my belief that the cash funds of {$1100.00} deposited on Saturday, XXXX/XXXX/2016 should have been immediately available rather than cleared mid-day Monday. It has always been my impression that cash funds that are deposited in-person with a bank teller were immediately available to me to cover any transactions that follow. This is poor practice on the part of Citizens Bank, and I wish that they would be more understanding and diplomatic in regards to their overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ERC
State: FL

Complaint narrative:
ERC ( Enhanced Recovery Corp ) Have placed XXXX Accounts On My credit Report in the amounts if {$230.00}, {>= $1,000,000} XXXX who are which with the same company ( XXXX ) and yet have different dates and account which is not valid also there is another XXXX from ( XXXX ) I need tis information remove from my credit report for this is not my debt and they should maintain complete and accurate information on consumer reports I demand these accounts to be remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I have a business and I got a XXXX to handle my credit card processing.I had a bank account at Citizens Bank.At the beginning of XXXX 2016, my credit card machine broke and I could no longer accept credit cards.I XXXX called XXXX on numerous occasionsonly to be given the run around.They continued to take money out of my bank account, I complained to Citizens Bank but they did nothing to help.I had to close my old account and open a new. 
XXXX is still trying to take money out of a closed account, even though I cancelled their service .They took money out of my account even though there was no credit card activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-06 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:
Checking my credit report XXXX pops up for the fourth time which mean the collector kept selling this account. I never had XXXX NEVER and the last three times they had to remove it because they could n't validate it. I blasted XXXX for doing a authorized inquire, which they remove also. The fourth collector will remove it but not after selling it again. Please help. P.S. I live in a XXXX which XXXX ca n't service so how is this possible!

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 2015-03-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I applied for a Citizens Bank Credit Card online with the publicly advertisement of getting 10 % cash back on the first XXXX spent and an unlimited 5 % cash back on grocery and drug store purchases for the first 90 days. When I received the actual card in the mail, the rewards structure was different. The rewards structure was 1.5 % of all purchases. I sorely disappointed because what I signed up for and what I received was XXXX different products. It seems that I was baited and switched when I signed up for the credit card. I have a screen shot of the offer I was led to believe I was receiving by signing up for the credit card. I alway take a screen capture of the advertisement because sometimes I 'm skeptical and want to have proof of what I signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: Atlanticus Services Corporation
State: CO

Complaint narrative:
I started getting phone calls from credit card called Emerge, This company took over a credit card account of mine in good standing in XXXX or earlier but i can not remember the creditors name. I since have paid on time by check every month and my account has always been current with Emerge until XXXX of XXXX when they said they did not get my payment, they then charged me a late fee, I sent another check including the late fee and payment in XXXX, they have not cashed either check and call me XXXX or six times a day, to get a payment by phone. On XXXX/XXXX/XXXX I asked for the following info- Please provide me with The creditors name you are collecting for, they did not give me the creditors name, only Emerge. I asked for the amount owed, they said {$580.00} and i asked how can i dispute or get confirmation that i owe this dept, they did not respond, i said i need this information sent to me with in 5 days in writing and i will be filing a complaint with the O.C.C and i hung up the phone. I have never been late on payments in many years and find it extremely odd that i am now not behind on the dept and never have been, and all of a sudden they started charging me late fee 's and saying they did n't recieve my payment and want payments by phone, also i find it unusual that they wo n't give me the creditors name they are collecting for XXXX the original owner of the account from XXXX ). If i can request an investigation to see whats going on, if this is a practice or tactic to get more money from me by not cashing my checks by increasing my bill with late fee 's, I read a review online of another man with this same issue with Emerge and he found through the O.C.C. this company was doing some wrong practices towards him and his matter was resolved with a {$2000.00} balance dropped to {$0.00} balance after the investigation. That is just hear say but is what i read. I am filing this complaint for me XXXX XXXX XXXX mother, She is not proficient in computers so i am representing her in this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ERC
State: MI

Complaint narrative:
Checking my XXXX credit reports, it has been noted a credit collection company by the name, Enhanced Recovery Company, Enhanced Recovery Corporation, and ERC, is reporting a debt bought from ( XXXX XXXX, in the amount of {$170.00}. XXXX, XXXX. ) On XXXX, XXXX, Claims they received said account for collection. 
I never received any communication or letters from this agency. 
I have resided at the same address for over 6 years.This account is now Open with XXXX of the credit reporting agency, dated XXXX, XXXX, and XXXX agency as Closed, as of to date. 
XXXX date update : XXXX/XXXX/XXXX ( open ) collection/charge off XXXX date update : XXXX/XXXX/XXXX ( open ) collection/charge off XXXX date update : XXXX ( open ) collection, XXXX date update : XXXX ( closed ) XXXX date update : XXXX ( open ) collections under ERC XXXX date update : XXXX/XXXX/XXXX ( open ) renewal/installment. 

XXXX reporting agencies now showing different remarks Collections/charge off Closed Renewal/installments Under the Fair Credit Reporting Act, this is illegal. 
( Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer unfair and unjustifiable practices information contained in the files of consumer reporting agencies ). 
There are multiple inaccuracies in my credit files. Verification of debt must be clear and sent forward or said collection deleted from my files.

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 2016-06-21 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
I received a loan from bigpicturepayloans, that was listed as a installment loan, borrow XXXX payback XXXX, I was not advise of the interest rates or that they would be charging my account XXXX dollars a month. interest rates of 900 percent, this was not advise to me. I did not see this when I signed the agreement. Please help. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Ga XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Kirkland Asset Management LLC
State: IA

Complaint narrative:
Company called family members to threaten and harrass regarding an online payday loan that was opened via identity fraud. Did not listen at all, only escalated and yelled then hung up on me. Also called family members leaving same messages. All I have is the phone number of the company XXXX, beleive they said the company name was KM or something but could not make it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Williams & Fudge, Inc
State: AL

Complaint narrative:
The lady keeps calling over and over and will not tell me what the debt is about but keeps asking for my personal information. I asked her not to call anymore and she will stop for a few days and then start calling every day again. I do not even know what bill this is about.

Company response to consumer: Closed with explanation