vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-18 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: PR

Complaint narrative:
On XXXX XXXX, 2015 I sent a debt verification letter to the collection agency ERC. The agency answer the letter and sent me XXXX billings statements provide by Dish. The charge is for early termination plus state tax. ERC report the account to XXXX major credit bureau XXXX. I sent copy of debt verification letter, the answer of ERC and the bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31 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: TX

Complaint narrative:
THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-26 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: IL

Complaint narrative:
Enhances recover company XXXX XXXX FL, XXXX Account # XXXX This company has been informed on several occasions that the account that they 're attempting to collect on was included in my bankruptcy. After supplying them with proof of my bankruptcy the collection attempts continues. They are making it very difficult to obtain credit with the inaccurate information they 're reporting to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-04 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: GA

Complaint narrative:
CFPB File XXXX was filed regarding unlawful collection practices by : Enhanced Recovery Company, LLCXXXX XXXX XXXX, Florida XXXXIn their response to the CFPB complaint, in an excerpt of the company 's representative response was as follows : " Additionally our agency has submitted a deletion request will all credit reporting agencies with the account and our office. The confirmation of this request is XXXX. '' This document is attached. 

However, as of this date ( XXXX XXXX, 2015 ), the credit reporting agencies continue to report this matter on my credit files. 

As there are XXXX Credit Reporting Agencies, and Enhanced Recovery Company gave only XXXX confirmation number in their response, it seems there is a willful and malicious attempt to deceive both the CFPB and myself. 

In order to remove the report from each of the XXXX credit reporting agencies, XXXX confirmation numbers would be required. These files can be removed immediately without delay by a company that wishes to remove them. The Credit Reporting Agencies simply report the information reported to them and are required by the FCRA to immediately remove any information as directed by the firm that files the erroneous, or wrong report. 

I am asking that the CFPB impose sanctions on Enhanced Recovery for their deceit in removing the file as they indicated in their correspondence regarding the above listed file.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: CA

Complaint narrative:
Enhanced Recovery Corporation for XXXX XXXX XXXX is charging {$150.00} and {$36.00} for a debt which is not mine. I dealt with both through letters and telephone calls. XXXX I provided documentation that proved that the account could not be mine. I worked with XXXX XXXX XXXX identity theft section and provided all the information and documentation they requested. 

These XXXX collection accounts are having a negative impact on my credit history.

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 2016-04-15 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: WA

Complaint narrative:
I applied for a {$1000.00} loan and was aware of the {$350.00} finance charge. I was not aware of 900 % interest. I also was not given the truth in lending disclosure until after my loan was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 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 was XXXX at the time when this debt occurred

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 2017-02-19 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: TN

Complaint narrative:
I recently pulled my credit report and discovered that this company has reported that owe them a debt. To my knowledge I have never done business with this company. I have never entered into a contact with them and nor have they provided me with any goods or services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: CA

Complaint narrative:
Collection acount is showing up under ERC. supposing for an acvount with XXXX. I called dish they do not have any acvount for me with them. They never have. I call ERC and they say call XXXX. It is very hard to get through to ERC and they want me to provide an act number which o do n't have cause I do n't owe 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 2017-01-11 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: NE

Complaint narrative:
Filed for a loan over the phone which I understood to have an interest rate of approx % 100. Did the loan over the phone - after the process was complete I received information and realized the loan was for APPROX % 800 Company is taking {$350.00} every two weeks from my account - ( which is overdrawn now ) If loan is payed according to present schedule It will take me nearly four years and approx {$9000.00}. 

I am willing to pay back the loan with a fair amount of interest but this is excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
After an IRA CD matured, Citizens Bank associates, advised my XXXX year old grandmother to deposit the money into her checking account instead of opening a money market IRA account. This caused her over {$4000.00} in taxes, about 1/4 of the worth of the CD. When I called to speak to the manager he was unapologetic and lied saying he personally helped her, when in fact, a female by the name of XXXX helped her. I 'd like Citizens Bank to pay my grandmother the taxes she had to pay, she does not have many assets and this tax bill was an extremely large payment for her to make. I understand that the bank can not give specific tax advice, but they can and should advise clients to seek the advice of a CPA or Accountant before making a transaction such as this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 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: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
I contacted XXXX at the XXXX first and asked for a copy of the lease agreement and an invoice or documentation of the charges they claim that I owe them. The gentlemen stated to me that he was unable to send me a copy of my lease because they no longer had a hard copy due to it being 6 yrs ago. He said he could only provide me a bill of what I owe but it would n't be an invoice or documentation ( whatever that means ) He said I owed {$500.00} but my credit report is showing {$530.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
I am a XXXX of XXXX years old. I applied for a loan on line and was granted a {$1000.00} loan. I signed the papers and loan documents but did not realize that they would charge me {$500.00} per month for a total of {$8000.00} ( for a {$1000.00} ) loan. I was and am totally confused and want to pay back the original amount and stop this predatory lending ... ... ... ... ..I put a stop payment on any check ( ACH ) that would be submitted by them. I was taken advantage of in the most predatory way and actually forgot I applied for the loan. 

The name of the company is called " Big Picture Loan '' and the phone number is XXXX XXXX XXXX The loan was taken out XX/XX/XXXX/XX/XX/2016. They called me and told me I had to pay them {$500.00} and a total of {$8000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Business & Professional Collection Service Inc
State: TN

Complaint narrative:
I have disputed these charges and disputed these charges. they still will not take off the debt and most of the hospital bills are paid off in fact we are suing them for over payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WEICHERT FINANCIAL SERVICES
State: NJ

Complaint narrative:
In an effort to make our closing date, Weichert Financial Services has been submitting disclosures to me electronically. While this process is convenient, they have routinely asked me sign within a XXXX hour period despite obvious errors in the disclosures including errors in my own personal ( phone #, home age, work address ), understated monthly payment amounts ( which failed to calculate my property tax correctly despite having done so correctly in previous calculations ), closing cost errors ( including understatement of property tax, failure to extract payments made out of pocket ), etc. I have been routinely asked to " just sign it '' as " it will get corrected and worked during closing ''. However, I feel that this is misaligned with the intended purpose of a disclosure. Luckily, I am an XXXX and XXXX, and while I am not a mortgage expert, I am certainly sensitive to misinformation. With this behavior by Weichert Financial Services, a less vigilant buyer may end up in a mortgage they can not afford. I can certainly appreciate the effort to expedite our process, but I fail to see the benefit in a disclosure process that encourages acknowledgement of inaccurate payment figures, personal information, or mortgage costs. Thank you

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 2016-10-15 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Big Picture Loans, LLC
State: TX

Complaint narrative:
I have never applied for a loan, done business with, or even heard of Big Picture Loans. 

I received a {$200.00} credit to my bank account from Big Picture Loans on XXXX/XXXX/2016. 
{$200.00} was later debited from my bank account from Big Picture Loans with a note : " Name Mismatch '' on XXXX/XXXX/2016. 
Big Picture Loans then tried to debit an unknown amount from my account on XXXX/XXXX/2016 which resulted in a declined item and a non-sufficient funds fee from my bank of {$34.00}. 

I believe fraud is involved on how Big Picture Loans was even able to acquire my bank account number, and am unsure if someone took out a loan with my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: VA

Complaint narrative:
XXXX now called bigpicture. I applied for a loan. they toldme I could pay off early and pay balance an interest to that day. I borrowed XXXX already paid XXXX ask today XX/XX/2016 for pay off as of today and iwas told XXXX plus XXXX this is not what they said originally. that 's over XXXX they are not upfront and honest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ERC
State: CA

Complaint narrative:
Debt reported is not mines. Account not verified.

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 2016-02-06 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: WI

Complaint narrative:
XXXX has repeated contracted debt collectors to collect payment for an electric bill from me. I have never lived in Texas and obviously do not owe money to a power company there. I have denied the debt multiple times and have asked XXXX XXXX to cease contacting me about this. In 2014 they apparently had credit agencies add that TX address added to my credit history. I had to report the error to have it removed. We just received another letter from a collection agency trying to collect.

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 2016-06-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Big Picture Loans, LLC
State: MO

Complaint narrative:
Trying to get in touch with Big picture loans to get my loan number, so I can change the status with my bank, and ca n't get it. it is not on any paperwork nor can I get through when i try to call. This keeps causing my account to go negitive. Also there was added verbage to my loan paperwork that I did n't see until I reviewed before submitting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: CA

Complaint narrative:
I have no consent or knowledge of this account ( s ) Verbal abuse over the phone, threatening tactics.

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 2017-01-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, the banks were closed. Prior to that on XX/XX/XXXX I had a pre-authorized payment to XXXX scheduled. I checked my account on XX/XX/XXXX and the payment had not been taken out. I checked on the next day the bank was open which was Tuesday XX/XX/XXXX to see if the pre-authorized debit had been taken out, and it had. Unsure why the pre-authorized debit had taken an extra business day to post to the account, I called the bank. My account was positive at this time on XX/XX/XXXX. I was looking at the account on my tablet as I spoke to a rep ( there should be a recording on XX/XX/XXXX of this conversation ) who also assured me that the large pre-authorized debit which should have been taken from my account on the scheduled date of XX/XX/XXXX had actually been PAID and POSTED that day, XX/XX/XXXX. We could see there were other PENDING OUTSTANDING debit items on hold ( which do n't incur overdraft fees, you just make sure the money is in the account prior to them being posted ), but my account was NOT NEGATIVE. The next day on XX/XX/XXXX, the items had been re-arranged to show that they were NOT ON HOLD ANY LONGER for XX/XX/XXXX but they actually were showing PAID on XX/XX/XXXX ( even though they were purchases made well AFTER the pre-authorized debit that had showed paid on XX/XX/XXXX ). This resulted in a fee of {$35.00} and a subsequent sustained overdraft fee of {$30.00}. I called the bank and told them that I disagreed with how the transactions were processed and that I wanted a rebate of the fees. I was told that since they had rebated a fee previously for the same issue, ( being told an item was paid but it actually resulted in an overdraft and it should not have ) I would not be able to have the fees reversed. A few years ago, I remember this bank having an issue with the way transactions were posted which resulted in them collecting fees on consumers ' accounts that they should not have which resulted in a class action lawsuit to reimburse their customers. I think something similar is happening again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
I have no knowledge of william and fudge debt and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 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: TN

Complaint narrative:
ERC continues to send notices of a XXXX debt we do n't owe ( to someone with a different account # and same last name -- but who does not live here ) even after we sent them proof from XXXX that our last bill was paid years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-25 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: IL

Complaint narrative:
I did not see the terms of the loan until I had completed the process and was in the process of signing. I will be charged 900 % in interest for an {$800.00} loan. If I make all of the payments, I will end up paying over {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 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:
This company, ERC, began harassing me in XX/XX/2016. They call me consistently regarding a debt that I do not owe and have no idea about and they continuously try to get personal information from me such as my address, social security number etc. from me stating that they are going to collect their debt no matter what. They call me all the time from different numbers ( which I block ) and different representatives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-20 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: NC

Complaint narrative:
My complaint is in regards to a recent claim dated XXXX XXXX, 2017 regarding account # XXXX which Enhanced Recovery claims to have verified, and that I owe them in the amount of {$2200.00}. I have requested validation of this debt from them which I do not owe because I have never signed any contract with this company. What they have sent me was a bill. This company along with another collection agency, XXXX XXXX, continue to report this on my credit file which I have recently disputed with XXXX credit bureaus. Any assistance that your organization can provide would be highly appreciated. 

Regards, 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 2016-07-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Big Picture Loans, LLC
State: OR

Complaint narrative:
I signed up for an Installment Loan from Big Picture Loans LLC on XXXX/XXXX/16 due to a job change. The agreement that was sent to me showed that I would have the {$400.00} loan paid off in XXXX payments. After signing up for the loan, the interest rate showed 847.9002 %, and that the total finance charge to them would be {$1800.00}. The total of the repayments will be {$2200.00}. If this was available to view with these details before " signing '' anything, I certainly would not have done it. 

After doing some research, I was directed to this site due to the seemingly illegal operation of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 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: Williams & Fudge, Inc
State: UT

Complaint narrative:
In XX/XX/XXXX I applied for admission to XXXX university. In XX/XX/XXXX I was forced to go help family out of state ( school would not of started until mid XX/XX/XXXX ) and notified the school that I would let them know if I will be able to attend, but not to order books or enroll me into classes. I did notify them prior to the start of the term that I was no longer interested in attending their school. Now I am getting collection letters from " Williams and fudge, inc. '' for {$530.00} stating that they are for " No show fees '' for not attending the school. I have explained that I never agreed to attend the school, and their own billing statement even shows that tuition was credited back to me, but the company keeps saying that the debt is valid because they have a bill in their office for it.

Company response to consumer: Closed with explanation