vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-01 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: NJ

Complaint narrative:
I am being wrongfully charged {$200.00} from this collection agency on behalf of XXXX. I have spoken to XXXX and they have no recollection of this account. It appears someone is opening accounts without my knowledge. This account is on my credit report and affecting my credit score, I am requesting it be removed as this is NOT my account. I have never opened an account with this company and do not owe them money. I am being charged {$200.00} through the collection agency ENHANCED RECOVERY COMPANYXXXX XXXX XXXX, XXXX ( XXXX ) XXXX have tried contacting this agency to no avail.. I did not receive any notices until I checked my credit and saw this charge on it.

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 2017-03-31 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: TX

Complaint narrative:
I am filing a complaint on ERC that has added a collection to my credit report on a debt that is more than 8 years old and should be deleted from my credit record once and for all. This account was with XXXX in 2007 then with XXXX that is logged several kinds of ways on reports to camouflage them selves this account must be delete from my credit report. Credit reports provided as proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: TX

Complaint narrative:
Credit reports states debt from collection agency. Never received notice nor verification of said 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 2015-09-25 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: KY

Complaint narrative:
I went online and went to XXXX XXXX. Castle payday responded. We really needed the money to buy my son 's school clothes and pay our bills off. Well we called Castle Payday and talked to the associate. I asked her about the final bill and she even stated like the email said we would be paying back {$800.00} for the {$600.00} loan. The lady did say that the first payment would be {$210.00} for the first payment and we could setup our payment plan or could pay more each time to get the bill paid off quicker. We have paid them the XXXX back and now we find out that we have only been paying the finance fee.. What? I have never in my life heard of paying every two weeks {$210.00} and that not going toward our bill. I do not know how to proceed further with this.. Please advice me what I can do legally to get this matter taken care of.. We will have paid them {$800.00} but to them we have only been paying the finance fee.. I cant believe this.. we have paid Castle Payday Loans our bill of {$80000.00}, However Castle Payday is still saying that we still owe them the {$800.00} I do not know what to do.. If their is anyway that I can get some advice please help.. Castle Payday was very misleading to us as customers.. 
XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 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 opened a Checking account # XXXX and Savings account # XXXX with Citizen 's Bank and I have been doing all my transactions online or using debit card over the course of 2 years. I never received emails, text messages, or phone calls from Citizen Bank regarding my account balance and I have been responsible and current in all my banking transactions. On XXXX XXXX, 2016 I received a letter dated XXXX/XXXX/2016 from Citizens bank indicating that my account was overdrawn by {$180.00} urging me to make a deposit. I looked online to see why I was assessed an overdraft charge, assuming a fraudulent activity had occurred to make my account balance excessively overdue. It showed that my account was overdrawn by {$25.00}. The bank charged an overdraft fee, and then XXXX additional sustained overdraft fees within 5 days of the initial overdraft charge, without notifying me of the first overdraft charge or giving me the opportunity to rectify the matter. Another deposit and charge was automatically debited to my checking account two weeks later which then triggered another overdraft fee. A total of {$160.00} was charged to my account without letting me know by phone, text message, or email that my account was overdrawn. I visited a branch and was told that my account is only eligible for a one time overdraft reversal so the initial overdraft fee no longer applied and I just have to pay the 2nd overdraft fee and XXXX sustained overdrafts ( {$120.00} total ) to bring my account current. If the bank had informed me of the original overdraft right away, I would not have had to to pay any overdraft or sustained overdraft fees, but the bank did not call, text message or email me and kept charging sustained overdraft fees over and over again within a period of 5 days. The only letter I received is dated XXXX XXXX, and arrived on XXXX XXXX, 2016 ( 3 weeks after the initial overdraft charge ) which did not allow me the proper time or consideration to rectify my account before all the sustained overdraft fees occurred. I feel victimized as a result of the banks improper notification procedures. I also feel that the overdraft charges and sustained overdraft charges were excessive considering my previous flawless record and history of banking with Citizen 's Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-29 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: WA

Complaint narrative:
Message they continue to leave on my voicemail : " Hello we have a message from ERC. This is a call from a debt collector. Please call XXXX and provide the following reference number XXXX. '' This has nothing to do with us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: AK

Complaint narrative:
Big Picture Installment Loans ; Applied for a {$500.00} loan and was approved for {$500.00}. Initially, I was led to believe the cost of the loan would be {$250.00}, which at the time I thought was steep but I was willing to pay that much in order to borrow the {$500.00}. I did n't think about it at the time but I had given Big Picture permission to debit my checking account {$250.00} for repayment of the loan. A month went by and the {$250.00} was debited without any difficulty and I thought I had just two more payments of {$250.00} each to make in order to pay back the loan. A few months went by and {$250.00} was still being deducted from my checking account. I checked on the status of my loan and discovered I still owed {$750.00}. I thought perhaps an error was made so I looked at the details of the installment re-payment schedule and found out Big Picture Loans was charging me {$250.00} every month and the earliest I could pay off the loan was after 5 installment payments for a total of {$1200.00} I could n't believe these people could charge that much for a {$500.00} loan, but apparently they could. My first few payments and a payoff of {$750.00} was what it took to get the loan paid off which now I believe will stop the debiting of my checking account {$250.00} every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: OK

Complaint narrative:
I recently acquired a XXXX loan from castle pay and they said my first payment would be nothing but interest, I 'm ok with that but nowhere did it say that I would end up paying over XXXX for a XXXX loan. The truth and lending statement was not presented to me until after everything was done and I went looking to see how many payments I would have to make. A years worth every other week. That 's. A lot. I would appreciate if someone would investigate this. They are deceiving people. Wish I would have done more investigating before I took out this loan. Learned my lesson

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 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: Williams & Fudge, Inc
State: NC

Complaint narrative:
I would like to file a formal complaint against The XXXX. I had a balance owed at the end of the XXXX semester. A large portion of the balance owed was in a single line item entitled " QM-Unif BKS Supply Deposit ''. I requested a detailed accounting of that line item from The XXXX on a number of occasions and it was never provided. My mother made a similar request and made it clear to XXXX XXXX that I would not pay the balance without a detailed proof of debt. As a result, the matter was referred to a collection agency - Williams & Fudge. We worked with XXXX at Williams & Fudge and received the Proof of Debt on XX/XX/XXXX and immediately remitted payment to XXXX XXXX for the full balance owed. Now I have received an invoice for {$520.00} from Williams & Fudge for collections costs for which I do not believe I am responsible. 

If The XXXX had provided the Proof of Debt when requested, the matter would not have been sent to a collection agency in the first place. I believe The XXXX takes advantage of young college students and does not afford them the rights they are entitled to because they are young and inexperienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 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: LA

Complaint narrative:
I shared an account with a XXXX who is a friend of mine on a cable/internet account with XXXX. I left the residence and the account remained open for mea friend. After he closed it, they apparently did n't receive their equipment back so they issues a collection in my name since my roommate moved back to XXXX and is unreachable. 

I have been trying to pay it as basically a nuisance fee because it 's impacting my credit score. I am currently trying to buy a house in my community but my loan is impacted by this issue. I spent more than an hour and half on the phone with them today being transferred more than 5 times. Most recently I have not even had a customer service representative on the phone for at least half an hour. 

I want to pay the debt, though I want a guarantee that they 'll issue a correction and a letter of deletion but I ca n't even get someone on the phone. 

I find it incredible that they can impact my credit score and thus my ability to take out a loan but wo n't answer a call to accept payment.

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 2016-08-21 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: CT

Complaint narrative:
I have an unverified account from ERC. I had previously disputed this account. I have never done business with ERC pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ERC 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 ERC 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 2015-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My partner and I opened a joint checking account at Citizens bank responding to an offer of {$150.00} bonus for opening an account. This was mailed to me. See attached. To date, we have not received our bonus ( account was opened on XXXX XXXX, 2015 ). We had to call to report this and they asked us to scan in a copy of the original offer. We really should n't have to go to this much trouble. We have met all the requirements and we feel if we had n't complained it would have been forgotten. In light of the recent complaints against Citizens you would think they would do a better job at treating their customers better. To be fair, we are waiting to hear back from them. Customer service said it would take a couple days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I use XXXX to download my monthly bank statement via web connect and import it into the program. I purchased the program in 2010 and have been billed by Citizens Bank {$9.00} every month since then without my consent or knowledge. The fee is not labeled on my Citizen 's statement and I thought it was a " phone '' use payment ( and is marked as such in my XXXX files XXXX. I finally called and visited the bank about this today to help me identify the source. The gentleman there called into the company and stated it was a quicken fee. I did a little research when I returned home and realized it is a bank fee for the online bill paying service. I do not use bill paying, only web connect, and never signed up for it anywhere. See the instructions Citizen published info on its website regarding signing up for this service. ( XXXX XXXX ) ( this is for pc but there is a similar one for XXXX XXXX. I then called into the number on that page and another person said I should be checking my monthly statement and he would reimburse me only two months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-10 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: CA

Complaint narrative:
This collection agency currently holds XXXX accounts : XXXX, XXXX, and XXXX XXXX XXXX. XXXX was originally defaulted in XX/XX/XXXX-XX/XX/XXXX, while I was still in school, because I could not pay. XXXX was defaulted in XXXX, while I was still in school, because I had moved and could not pay. XXXX XXXX XXXX was defaulted in XX/XX/XXXX-XX/XX/XXXX, after I had tried to switch over to XXXX and XXXX XXXX XXXX told me I had to pay about {$400.00} to close my account, which I did. Then a week later, XXXX XXXX XXXX told me I had to pay an additional {$200.00}, so I did not. All of these accounts began to default in XX/XX/XXXX - XX/XX/XXXX. Enhanced Recovery has reported them fraudulently as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to increase the amount of years these accounts can negatively impact me. I have not had any XXXX accounts since XX/XX/XXXX/XX/XX/XXXX. I have not had any XXXX accounts since XX/XX/XXXX, and I have not had any XXXX XXXX XXXX accounts since XX/XX/XXXX. They have also called me several times on weekends in a row using different numbers all leading back to their number if called back ( 10 calls within an hour, a few times a day ). They have also called my work and had the front desk forward their call as urgent to harass me at work - while interrupting a meeting I was having with some partners at the XXXX I work at and embarrassed me. During this call they also threatened me and warned me that if I do not call them back later that day there would be " consequences. ''

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 2016-09-29 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:
After requesting validation of this debt from Enhanced Recovery, they responded with a letter stating they were going to delete the account from my credit report. However, when I got the results from XXXX the acccount remained on my credit report. I sent a copy of the letter stating they were going to delete the account from my credit report to XXXX and XXXX responded stating Enhanced Recovery had verified the debt. This letter is clear in stating that the account will be removed and is dated XX/XX/2016 so there is no reason the account should be verified as of XX/XX/2016 especially since XXXX had proper evidence the account was to be removed.

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 2016-01-20 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Big Picture Loans, LLC
State: VA

Complaint narrative:
Not Castle Payday, but third party debt collector : -Phone number XXXX XXXX Department of State Division of Corporations Entity Information The information contained in this database is current through XXXX XXXX, XXXX. 
Selected Entity Name : XXXX XXXX XXXX, XXXX. 
Selected Entity Status Information Current Entity Name : XXXX XXXX XXXX, XXXX. 
XXXX ID # : XXXX Initial XXXX Filing Date : XXXX XXXX, XXXX County : XXXX Jurisdiction : NEW YORK Entity Type : DOMESTIC BUSINESS CORPORATION Current Entity Status : ACTIVE Selected Entity Address Information XXXX Process ( Address to which XXXX will mail process if accepted on behalf of the entity ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NEW YORK, XXXX Registered Agent & lt ; Begin & gt ; Agent called my father,, and let it be known they talked to him first. Began by threatening that I committed fraud by closing my account and they were about to file a lawsuit for fraud. ( Account was closed because of non-authorized withdrawals by unknown entities ) By doing a search on Castle Payday, it is resolved that they are NOT licensed in the state of Virginia. Thereby, the initial loan was felonious in nature. The strong-arm and uninformed tactics by XXXX XXXX is unfounded and felonious as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 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: DE

Complaint narrative:
My sister 's name is XXXX XXXX. I am XXXX XXXX. Some of her collections have shown up on my report. I pointed this out clearly to Enhanced collection agency through my disputes with the credit bureaus. They left it on my file. This is a willful violation of the Fair Credit Reporting Act Section 623 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2015-05-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: FL

Complaint narrative:
Ehanced Recovery Company, LLC has been contacting me repeatedly, XXXX, XXXX times a day, calling and hanging up. Calling and hanging up. They leave a message and then they call back. They never have anyone on the phone. Every time I attempt to answer the phone, the other side hangs up. Its very aggravating, as they call me while I 'm at work, and they just call and hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28 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: PA

Complaint narrative:
I have been contacted numerous times and continued to be harassed by by telephone by a company called " Enhanced Recovery Company , LLC '' concerning a debt owed by someone else. I have informed them that they have the wrong telephone number and wrong person, but they continue to harass me at all time of the day by telephone robo-calls.

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 2015-07-19 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I want to know why my bank does not immediately credit back to my debit card? If I pay a service with my debit card and then cancel it, it can take 4 to 5 days for that credit to show on my account? Who uses that money for those days? I am charged immediately so why not be credited the same way? The bank says it is the fault of whatever company I was dealing with, not the bank. Having been a XXXX myself, I know that transactions are settled on a daily basis with most companies so I do n't think this could be correct. Ca n't seem to get a straight answer out of Wells Fargo bank either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Mortgage Company 1. Customer Service is very poor. the main mortgage phone number XXXX does not have a live contact person option. this is extremely frustrating and a live customer person option needs to be part of the main option menu. It took me 10 phone calls and about 1 hour of my time to actually get a live person. 
2. Property Taxes were not paid in full and I have received delinquent messages from my town. Citizens is responsible for paying all taxes and should not be receiving delinquent notices.

Company response to consumer: Closed with explanation