vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Valentine and Kebartas, Inc.
State: WA

Complaint narrative:
The company name is Valentine and Kebartas. 
After missimg multiple calls a day from this company I finally spoke with someone on XXXX/XXXX/16. XXXX had sent my final bill to my old address and I never got it. The person I spoke to at Valentine and Kebartas corrected my address and arranged to send out a reprint of the bill. She waved the ridiculous {$5.00} fee to have the bill reprinted. I let her know that I would be taking care of the bill as soon as I received it. 
Not 1 day later the calls started again. 
I received a call this morning by a very pushy caller and was told that if I was taken off the call list without making payment arrangements my bill would go into collections. I asked why my file had n't been updated to show that I was cooperating and s ( he ) said their system just does n't show everything. 
When I complained about their repetitive calls the caller said that legally the system could call my phone up to 6 times per day. This is harrassment and also threatening by saying my bill would go into collections. 
By their admission, even though I was cooperating, they were going to call me up to 6 times per day until my bill was paid. 
These are nnacceptable business practices. 
Please look into the company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Assistance Inc
State: FL

Complaint narrative:
This account was closed on {$XXXX} balance. They want charge a overdraft charge came from XXXX when they suppose to put a stop payment and close the account when I moved to other Military Post by my personal decisions. I closed this account in good terms {$XXXX} balance and clean They leave the account open and XXXX charge me and small amount XXXX times and they charge me XXXX dollars fee when I did the correct steps to put an stop payment and close the account. The bank After this corporate mistake the Bank sold this account to Financial assistant collection and now they report and damage my credit for fraudulent fee. On multiples times I communicated and they were negative to delete the overdraft when I did the correct actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03 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: ProCollect, Inc.
State: LA

Complaint narrative:
I never received any notice that money was owed to my apartment complex to begin with OR the collection agency they sent the debt to. Until several months later when I checked my credit score online and it showed I owed money. When I called the agency they said they did not say why money was owed and the apartment complex could n't help me either. I 'm not just going to pay that amount of money for something I 'm not even sure what it 's for.

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 2015-05-22 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: PA

Complaint narrative:
I sent a response letter to Enhanced Recovery Company, LLC XXXX XXXX XXXX, XXXX, FL XXXX on XXXX XXXX, 2015 to verify and confirm a debt they claim was mine, and I never received a response. Yet within 30 days of the letter sent to the this Collection Company, they immediately reported a deliquent notice of {$450.00} to all three bureaus. 

This Credit Company violated all my rights. According to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e - False or misleading representations. 

I contacted the original Debtor to further verify and confirm the nature and validity of the debt, and " is '' this debt associated to me or an act of false identity. They confirmed to me via telephone conversation that there was no debt of this nature found in there system or outstanding! 

As a result of Enhanced Recovery Company, LLC reporting an erroneous and false claim, I am personally being injuried via the this credit report. My credit scores has fallen from XXXX down to XXXX which affects my work and economic status. 

I would like to seek financial relief in addition to having my credit reinstated by all three bureaus immediately!.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28 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: TX

Complaint narrative:
I decided to try XXXX services for my wife and I so I purchased phones for both of us. After a day or two of trial we felt unsatisfied so we headed back to the store and we returned all items. We got charged with restocking fees and taxes. Later on I got a bill in the mail in which I was being charged {$1200.00} for the returned items. After several attempts of arguing for about XXXX months about whether I owed XXXX or not I was dismissed of such charges, but a month after I was charged by a collecting company called ERC for {$61.00}. I asked them to explain such charges weather if they were fees or taxes and they we unable to disclose information. Therefore, I asked them to send me a bill in the mail with details about the charges, as well as a dispute package and they told me they would send me a bill. About the dispute part, they said that I needed to call XXXX to discuss the charges with them but XXXX said that I had to discuss this with the collecting company. I never received a detailed statement neither a chanse to defend my self about such charges, I checked my credit score and found a red flag in it because of this. 

I am now hoping you may help me with this case. 

Thanks :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-22 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: NV

Complaint narrative:
Deducted payments from my bank account and did not credit my account. I paid over XXXX for a XXXX loan and nothing was applied to my balance. 

They have also called me and my employer and threatened imprisonment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Consumer Information Date Filed : XX/XX/2017 XXXX XXXX XXXX XXXX UNITED STATES Daytime Phone : XXXX Evening Phone : XXXX Fax : Email : XXXX ( email ) Business Information Business ID : XXXX Name : Citizens Financial Group , Inc . 
Address : XXXX City : XXXX State/County : XXXX Zip/Postal Code : XXXX Business Phone Number : ( XXXX ) XXXX URL : The consumer indicated that they WOULD speak to the media about this complaint. 
Complaint Detail / Problem Complaint Type : Service Issues Problem : I had to send a {$25000.00} check from an insurance company on an insurance claim to Citizen 's bank as no one at their local branches could endorse the check. I can not talk to anyone in the department that handles this. My check is now somewhere at the main office, and there is absolutely no one who can tell me where it is, who has it, and when they will return it to me, and how they will return it to me. I have a call into the office of the chairman, hotline, escalated help line, what a joke. I am dealing with XXXX, that is rude and condesending. She told me she will get back to me within two days. I asked if she could call the department and talk with someone, instead of sending a email. She will not call the department, it is all by email.I would imagine someone might be able to walk into that department, and talk to someone there if they really wanted to help their customers. 

I tried to deposit the check on XXXX. This is XXXX, the XXXX. Unbelievable. I can tell you I will move my checking account and loan to another banking organization that does not treat 20 year business customers like this. 

Desired Resolution / Outcome Desired Resolution : Finish the Job Desired Outcome : To overnight my check back to me, and/or deposit it to my account. The problem is I will be getting other insurance checks for this claim and have to go thru this all over again. So this entire situation will happen again soon as I receive more checks from the insurance company. This is insane, that they expect their customers to send large checks out to them, and not know who has them and how and when they will be returned. 

Complaint Background Not all of these questions are required. Please provide as much information as you have. 
1. Product/Service Purchased : banking 2. Model Number : 3. Contract, Account, or Policy # : 4. Order # : 5. Purchase Date : XX/XX/2017 6. Date Problem First Occurred : XX/XX/2017 Dates you complained to the company/organization 7. First Date : XX/XX/2017 Name of Sales Person 13. First Name : 15. Last Name : 17. Purchase Price : {$25000.00} 18. Disputed Amount : {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 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:
The debt was placed on my account XXXX 2015. I am currently in the process of reviewing my credit and came upon the debt on my credit report. I was not informed in writing of this debt before it was placed on my credit report. I contacted the collection company ( Enhanced Recovery ) and they could not validate that this debt was mine and they also refused to remove the debt from my credit report as well.

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 2015-05-21 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: FL

Complaint narrative:
Since XXXX XXXX, 2011 and to date I have been using XXXX as my line for telephone, internet and cable TV and have been paying my bills through XXXX without interruption. 
I can not pay for the same telephone line XXXX XXXX XXXX when I never use their service. I have evidence that all my phone bills were paid to 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 2015-07-09 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:
Enhanced Recovery claims to be collecting for XXXX XXXX XXXX. I know I do not owe that company any money. They have ignored my letter asking for validation and proof of the debt belonging to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-05 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: FL

Complaint narrative:
The one debt was from a phone company XXXX XXXX XXXX. They charged me for a service that I never received. I tried to cancel the service in which I paid but never received, but they gave me the run around. They would n't let me cancel so I went to a different phone company and the first company put me in debt for the contract. I filed a dispute which never showed up through XXXX XXXX. It 's been over 2 months and I have n't seen anything for the dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-07 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: CA

Complaint narrative:
I asked via certified letter on XXXX/XXXX/15 for a debt validation to Enhanced recovery co. for an alleged debt of {$200.00} that I owed originally to XXXX XXXX XXXX in 2012. XXXX months have past since my original request and I still did not received any proper documentation ( re : copy of last invoice from XXXX XXXX to my attention ) to support this debt. Without any response from them I subsequently reported them on XXXX XXXX, 2015 to the CFPB, Enhanced finally responded in writing on XXXX XXXX 2015 stipulating : '' Our agency request related documentation materials associated with the account from XXXX XXXX cable. Upon receipt of any materials from our client, our agency will forward the documentation to XXXX XXXX Address on file. " More than XXXX days have past since this letter and I 'm still waiting for the proper documentation validating this debt. 
They are however still reporting me monthly to the credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ERC
State: AZ

Complaint narrative:
ERC has been asked to please stop calling my place of employment and correspond via mail. I asked them politely..

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: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: OH

Complaint narrative:
I have a a unverified account from ENHANCED RECOVERY COMPANY # XXXX. I had previously disputed this account. I have never done business with ENHANCED RECOVERY COMPANY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt ENHANCED RECOVERY COMPANY purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-20 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
My debit card was fraudulently stolen. On Friday XXXX XXXX when I received this news from the bank they told me they would ship a new card within 5-7 days. I asked them to ship it to a new address not the one on file. I was told this would not be a problem. On Saturday the XXXX I called to inquire about my card. They informed me it was shipped to the address on file, not where I requested it to be sent. I asked them to overnight a new XXXX due to their mistake and to waive the fee and they repeatedly refused to do so. I kept pointing to the fact I have n't had a debit card in a week and I should n't have to pay the {$12.00} fee due to their mistake and the supervisor said there was nothing she could do. I threatened to leave the bank that I 've been a customer of for over a decade and she did not seem concerned XXXX bit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I am the XXXX XXXX for the XXXX of XXXX XXXX. A resident, XXXX XXXX, came to see me regarding an issue he is having refinancing a home equity line he opened last year with Charter One/Citizens Bank. At the time of opening the line, the property XXXX XXXX owns at XXXX XXXX XXXX in XXXX XXXX had no mortgage. XXXX XXXX obtained a home equity line for {$75000.00} based upon Citizens ' appraisal of his home which came in at {$94000.00}. This year, XXXX XXXX attempted to refinance this adjustable rate loan into a fixed rate mortgage, but was denied by XXXX based on their appraised value of {$44000.00}. We have opened a separate complaint against XXXX based on this appraisal, which we feel is low for the condition of the property, however, another concern has arisen during our analysis of comparable sales. It appears that the Citizens appraisal was over-inflated and not supported by area comps. This led to XXXX XXXX being granted a loan that he can not refinance into a fixed rate mortgage because he can not get an appraisal to justify it. One comp used in the Citizens appraisal was for a property outside of the city, and another was for a parcel with very different characteristics. A detailed analysis of our findings is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I sent an error resolution written inquiry on XXXX XXXX, 2016 regarding a number of issues including, failure to post payment and erroneous late charges/property inspection fees. The bank responded on XXXX XXXX and the XXXX 2016 that my inquiry was received. I have not received any further communication and my inquiry is unresolved. XXXX ) Additionally in XXXX 2016 another payment was not posted to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 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: ME

Complaint narrative:
I recently closed my XXXX XXXX XXXX account. Before I paid the final bill ( which I paid well within XXXX XXXX 's demands ), I was sent a letter from the Enhanced Recovery Company dated for XXXX XXXX, 2015 saying my account had been sent to collections and I owed XXXX dollars. I did n't receive this letter until XXXX XXXX due to it being forwarded from my old address. 

I paid my final bill on XXXX XXXX, 2015. Upon calling XXXX XXXX 's customer service, I found that my closed account was in good standing and had not been sent to collections. I believe that the ERC is at fault for attempting collections on 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 2015-04-27 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: CO

Complaint narrative:
Enhanced Recovery inserted collection on my credit bureau. Per letter sent to me by creditor a verification of debt was requested promptly on XX/XX/XXXX ( attached ). A letter to all XXXX credit bureaus was sent on XX/XX/XXXX. No response from Enhanced Recovery has been received as of XX/XX/XXXX. A call to creditor on XX/XX/XXXX acknowledges receipt of letter dated XX/XX/XXXX for verification. They also acknowledge they can not verify accuracy of debt or date of XXXX delinquency. Per my records, this account was paid in full to the original creditor and the account was closed prior to XX/XX/XXXX. Per the Fair Debt Reporting Act, any debt reporting needs to be accurately reported and a verification of debt is required if requested by consumer. Furthermore, any debt with XXXX date of XXXX delinquency over 7.5 yrs from the original debtor can not be reported to the CRA 's.

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 2015-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I have XXXX different accounts with Citizens Bank and I transfer money daily into my other account because my other debit card got compromised and had to wait to get a new XXXX, so I had XXXX $ to pay my XXXX cell phone in the account but in the process if I had to pump gas or pay anything else I immediately would transfer the money but I still got hit with a XXXX $ overdraft fee for an check that came through for XXXX $ which was my daughters school pictures which I did forget about because that check I gave to the school in XXXX and they just cashed it on the XXXX of this month and the bank does n't want to help me reverse the overdraft fees. Can you please help me resolve this issue seeing I am XXXX with XXXX children under XXXX. I do n't think it 's fair what they 're doing. I have a savings account also with XXXX $ in it I constantly transfer which they see but wo n't help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-13 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
I asked for a payday loan of XXXX, payments of XXXX on my payday ( never happened, they have been charging the opposite weeks ), these payments will continue until 2018, which means I will be paying over XXXX for this XXXX loan.I have paid XXXX, and am willing to pay XXXX by money order to complete this transaction.I was not aware of this payment length until after I signed.The charging of the payment on opposite weeks also caused my account to be overdrafted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 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 wrote XXXX debt validation letters to Enhanced Recovery and they failed to respond to be. They ignored my requests for validation.

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