vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I submitted a HELOC loan application XX/XX/XXXX along with my supporting financial information including proof of income, tax returns, and home owners insurance information. After not hearing from the bank ( Citizens Bank in the XXXX XXXX Branch, XXXX, NY ) for several weeks I called the branch to learn that the bank employee that was 'handling ' my application and who had custody of my personal financial information, had left the bank. When I enquired where my information was, the bank employee told me he did not know but he would look for it. Later that day he called me to tell me they found it in a drawer of the former employees desk. I then requested the branch mail my financial information back to me. After a week and a half I had not received the information and I called the bank and spoke to the branch manager who told me she had it and if I wanted it back I had to come into the branch. I did so. At that time I lodged a complaint with the regional supervisor of the branch. At that point the regional manager asked me if I still wanted to proceed with the HELOC loan. I told her I did not as all I had were problems with this branch ( see a current complaint I have pending with this branch regarding fraudulent loan practices ). She then told me the bank would discontinue my application. I then told the regional supervisor I wanted to lodge a complaint against the branch for the shoddy mishandling of my original application and personal financial information. She said she would but after several weeks of not hearing from her nor receiving anything from the bank acknowledging my complaint I escalated the proceeding to the 'Office of the Chairman ' Two weeks later I received a 'rejection letter ; for my HELOC dated the day after my request to have my application withdrawn. The reason they gave was 'excessive loan to income ratio ' Since the bank never had my income information ( found in a desk drawer of a departed employee ) One other totally amazing fact about my so-called rejection letter, they rejected me for a loan I never asked for! They claimed it was for {$190000.00} when the fact of the matter was, it was suppose to be for only {$90000.00} I maintain that the banks rejection of my loan was discriminatory and vindictive because of my complaints and withdrawal of my application. The upshot of all this is when I told the banks 'Office of the Chairman ' they said they would investigate all these matters. To date they have not done so nor have I been informed in writing by the bank about my complaints. 
One final thing, according to my FICO score which the bank sent me it was XXXX!!

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

Complaint narrative:
I have sent letters to Enhanced Recovery requesting proof that the debt they are reporting on my credit reports is mine. They have failed to respond to any of them. They have also verified the trade lines when disputed with the credit reporting agencies. Verifying inaccurate information is a violation of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-11 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: WA

Complaint narrative:
I have called several times, I 'm trying to get a mortgage and XXXX of the credit companies show this debt as paid and XXXX does not. First lady I spoke to said she would have a letter sent out showing the debt paid. I waited a week and called back. The guy I talked to was so manipulative, trying to get me to say I did n't pay it. Then he told me he did n't know what the status was but he could n't collect the money so I repeated I do not owe you any money because you do n't have an account for me. He knows he 's being recorded so he would not say anything. Although at the beginning of the conversation he told me it shows its been paid off. All I wanted was a letter showing it was paid off, now I feel like they are going to do something and try to get more money from me. Completely unprofessional and predatory.

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 2015-11-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: OK

Complaint narrative:
I had purchased something through XXXX. About 2 months later i received an invoice from XXXX XXXX. I had no idea whoa they were. On the invoice it showed XXXX purchases and late fees of almost {$100.00}. I contacted the company and spoke to rep. It took almost an hour for him to finally tell me that XXXX was formerly XXXX I had used them about a year earlier and had paid the statement. I was told that although I had thought that I was currently using XXXX, somehow my charges were transferred XXXX. I asked the rep if that were true, why had I not ever received an invoice. I told him if I check and I do owe the charges, I would pay them. However, we disputed the late fees. I told him I was not going to pay late fees since I had no responsiblity. We had a heated discussion and he said he would file a dispute. 

After that I started getting collection calls XXXX or XXXX a day, sometimes XXXX. I contacted XXXX XXXX by email telling about the situation. Shortly after, I received an email back from the Attorney for XXXX XXXX saying the calls would stop. The calls continue to this date. I have my phone log since these calls started. I swear to you and I will show you each call, that there are at least a XXXX calls, probably more. 

You know, I was in the service during XXXX XXXX when I had been XXXX by people just for wearing my uniform. As a result of my term of duty I was awarded XXXX Part of that includes XXXX. 

I really do n't know how more of this I can take. PLEASE HELP ME. I have everything I have stated that I have and, you or any representative you may want to review any of this at any time to verify all this. 

Thank you so very much for any help you can provide. 

XXXX 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 2016-06-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
The three main issues : ( 1 ) Mortgage payments for an ( XXXX ) loan taken out in 2006 do not appear to have been applied properly to the mortgage. 
( 2 ) Homeside lending issued an XXXX mortgage and communicated they would aggregate the monthly payment into " XXXX '' payment request to us, and they would allocate across the XXXX loans. It appears that never happened as the 2nd mortgage looks like it never received a payment. 
( 3 ) Post a serious delinquency during the financial crisis, we reinstated the loan thinking we were obviously reinstating XXXX loans ( XXXX / XXXX ). We have since learned only the first mortgage was reinstated, the 2nd charged off, the balance on the first has only dropped by {$10000.00} over the past 10 years although we have made over {$100000.00} in payments to the various mortgage companies & banks that have owned our loans, and the balance for the 2nd is reporting the same as the original 2nd loan amount. 

Please note : These loans were with Homeside Lending, then XXXX went to XXXX XXXX XXXX, then to XXXX. Currently the 1st mortgage is with XXXX and XXXX placed the 2nd mortgage with another company. We did not have the original mortgage documents but were able to provide documents from the courts to substantiate the loans which includes the lenders name, loan number, and dates. We have also provided a copy of the credit report which shows the balances quoted in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 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:
On XXXX/XXXX/2015 my account was deducted for a new subscription/donation charge of {$5.00} to XXXX XXXX XXXX MA. It caused the business checking account to be XXXX short. The bank charged a {$39.00} fee ( 3 ) days later. 

Since the order of the charged deducted are completely under the banks control they can manipulate the order of debits to cause a fee. But, the fee came from the {$5.00} debit and not the rest of the checks and charges. 
{$39.00} dollars is a lot of money for a XXXX cent overage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: LA

Complaint narrative:
Automated system calls at various hours 7 days a week but when I answer there is a recording to call back, they are a debt collector. I have called back and been put on hold until I just hang up. I have no idea what they want or who they are. Our above number has been on the do-not-call registry since 2007. Additionally, we do n't have any 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 2015-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarFinance Capital LLC, Irvine, CA Branch
State: FL

Complaint narrative:
Refinanced my vehicle with Carfinance.com, went to make a payment and realized that they do not offer an option to use your checking account with incurring any additional fees. When I called in to pay, they wanted to charge me {$10.00} pay-by-phone fee. The only option I have is to mail my payment in, and that doe not guarantees me that they will post my payment on time, which may cause addition late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 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: AR

Complaint narrative:
This company sent my account into collections. I contacted thr collections company and paid the balance in full for the amount owed. I never moved or changed services. I never obtained any other accounts with this company. A couple weeks later I received a Bill for {$30.00}. I called XXXX to inquire about the bill. They told me that lt was for a return check charge. I let them know that when I paid them the money owed it was with a card and not a check and it cleared. They told me they see a note that credited the {$30.00} back to my account. They told me My account was closed and I do n't owe any other balance. Today I received a call, stating I owed the entire balance again of XXXX. A different creditor. I again called XXXX to inquire, they stated they dont know what got mixed up but I no longer owe anything for this account. Debt collectors stated they just received the account Today, and that they ca n't delete it until I pay. XXXX says I do n't owe the debt, yet they are n't helping me to resolve the debt in collections nor are they able to verify the debt or pull up the account.

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 2016-10-07 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: Alpha Recovery Corp
State: CA

Complaint narrative:
I have been contacted twice within a year by Alpha Recovery Corp for a sum of money Scram of California says I owe. I made timely payments while subscribed to the device and never heard anything more until years later when i got a call from Alpha Recovery. I 've never missed a payment on anything in my life. I did n't want to hassle with it last time so I just paid it in full ( {$130.00} ). Now, they are saying I owe that same amount again. I wish to dispute these charges as I do n't even understand where they are coming from and if there will be more another year from now. But the guy from Alpha just screamed at me and told me I had to pay it. He would n't tel me what my options were if I disputed the amount or requested more information on what this was in regard to. I do n't know how debt collectors work but this seems ridiculous. I do n't feel comfortable just handing over my credit card for some amount of money I have no idea how I owe. The threat of ruining my credit made me pay it last time but I ca n't just keep paying this amount every year not even knowing why and Alpha wo n't give me any information other than to yell at me and then hang up on me.

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 non-monetary relief
Consumer complaint received 2015-10-01 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:
I opened an account with citizens bank in XX/XX/XXXX at XXXX pa there was an offered during that time if you open a checking account you will receive XXXXbucks after 6 weeks of having the account opened I kept calling and they kept pushing the dates back they gave me a letter saying I shall receive funds by XXXX XXXX and I called the branch and no one knows what happened to my offered and they told me directly over the phone with they know if issued me the offered,. This is complete false advertisement and fraud..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP
State: OH

Complaint narrative:
We have several accounts at KeyBank. Someone did an online transaction and took a total of {$1000.00} from XXXX of our accounts and created a new account and put the {$1000.00} in the account that they made up and then took the money. We contacted the bank immediately. We were told that it looked like someone within the bank was internally moving money and it should be just fine. It never was fine. We have spoke to the Branch Manager and the Fraud Management in New York and we have been told that the fraud department investigated and it could not help us with anymore assistance. The letter stated that we would not be getting a return of our {$1000.00}. Please help us. This money is to pay for my real estate taxes and home owners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I contracted with a home builder to build a new home. The mortgage company ( Citizens Bank ) requested that I let them know when the house is 75 % complete so that they can order the appraisal. On XX/XX/XXXX, I notified them that the house was XXXX % complete. I do n't know exactly when the appraisal was ordered, but I learned the day before our scheduled closing ( which was to be XXXX/XXXX/15 ) that there were problems with the appraisal, and the appraiser needed to complete some steps before closing. 
I managed to track down the appraiser 's email address and phone number, and contacted him to complete his appraisal. According to the appraiser, he did his appraisal, submitted it, fixed it upon request from Citizens Bank, and re-submitted. 
Citizens Bank did not have their job complete for our scheduled closing on XX/XX/XXXX, so the closing was delayed. I then had to reschedule appointments and deliveries that were to be handled on XX/XX/XXXX. I delayed them to be the next day. I also learned that the builder has a {$500.00} per-day fee that they will enforce for closing delays. They waived the fee for the first day delay. 
Since XX/XX/XXXX is XXXX, and a bank holiday, no progress was made that day. But we were assured it would be handled Thursday, and we could close Thursday afternoon. 
Mid-day Thursday, it became apparent that the closing would n't happen Thursday either. I again rescheduled appointments and deliveries from Thursday to Friday. By the close of business on Thursday, I was told that the appraiser still needed to submit some information to the bank. So essentially - no progress was made Thursday, either. 
We rescheduled the closing for Friday at XXXX. Early Friday morning, I drove to the house to take pictures that the appraiser needed to submit, and sent them to him to help move the process along. It is now noon on Friday, and the appraiser just told my real estate agent that he just now heard that he needs to submit pictures. It 's clear that we will not be closing today. I have family coming from out of town tomorrow to help us move, and it seems we will not be able to do that. There are now more deliveries that I need to reschedule again, certainly with financial penalties at this point. 
From my point of view, there has not been any progress on the appraisal since last week. The appraisal was ordered so late that it needed to go perfectly to avoid delaying the closing. But it did n't go perfectly. There were problems, still unresolved, and nobody can say when the closing will happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Someone opened a unauthorized car policy in my name when my wallet was stolen I also noticed that they have been using my bank account as the funding source I did n't notice at first until my account balance was extremely low I then carefully reviewed all myTransactions an found XXXX transaction for the general car insurance company. I called citizensBank immediately an reported the transactions as fraud then I was advised to contact the general insurance company an report the account as fraud soI did and both companies are doing a investigation. I want my money back because this was unauthorized an this is ridiculous I 'm so XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is in reference to the account in collections reported inaccurately by XXXX XXXX in the amount of {$490.00} listed by Experian on my credit report. The account that was closed is not being reported accurately. Information like the dates are incorrect, not to mention the amount. But I had previously contested the amount with the debtor years ago stating that is not what I should 've been charged originally but it was never corrected. So at this point when I already had to wait for the seven year mark for it to fall off I do not understand why XXXX XXXX did not report the right dates or have since changed the dates so that they stay on my report ( s ) longer.

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 2015-06-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
We took an equity line with Citizens Bank in XX/XX/XXXX. After a long process to get this loan we signed the paperwork in XX/XX/XXXX. We then used the money to pay contractors to do some work on our home. The paperwork was " lost '', " not processed '' or just misplaced and we had to duplicate some of this paperwork for months after the loan was originated. The payment set up was incomplete which caused headaches and late charges which after a full year the bank realized their errors and reversed all those charges and cleaned the record. In XX/XX/XXXX I refinanced my home and closed the equity line. Unbeknownst to me or my wife was that Citizens slipped a line in the documents to charge {$350.00} for early termination of the equity line if closed within three years. I only found this out when I received a statement showing my payment for this. They also charge us a yearly fee to have the loan " open '' which they did not prorate for the 4 months we did not use. I have complained to the bank about this and that the loan officer did not explain this fee prior to the loan being opened. On top of this they also charged {$25.00} for a fax to get the payoff of the loan. The bank refuses to give a refund for the {$350.00} or the prorated fee for the loan or the {$25.00} for a fax fee that was also never discussed. {$25.00} for a fax seems a bit high, almost a price gouging situation. The bank personnel have told me they would return calls several times within 24-48 hours and yet have taken over a week on each occasion to reply to me with the same negative response about reimbursing my fees that were paid. Had I been aware of the {$350.00} fee I could have kept the loan " open '' until XXXX with a minimum balance to avoid these fees. I was not given that opportunity to do this and the statement I received was weeks after the payment was made making this situation even that much more frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 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: TX

Complaint narrative:
I was contacted last year XXXX XXXX XXXX by a debt collector working for XXXX XXXX XXXX about an outstanding debt ( XXXX ) which was not due by me. Bill was under my name but I had left the country ( Job in XXXX ) in XXXX XXXX. My ex husband did n't pay his Internet bill and the bill was under my name : as a result, the debt collector contacted me and I paid {$100.00}, last year XXXX XXXX XXXX ) but the debt collection shows on my credit report and will up to 7 years. The Debt collector does n't want to delete the debt collection file so it affects my credit score. I want them to remove that debt collection from my credit report because I paid and settled that debt which was not mine. 
Thank you fr helping me with that.

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