vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-21 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: National Financial Group, Inc
State: TX

Complaint narrative:
We joined XXXX because the sale pitch they gave us was all about how we could come into the store to make purchases and receive help from their professional staff. We were told how XXXX was a long standing company in the community and they were n't going anywhere.. Well, to our surprise a few months after joining the store closed down and XXXX was gone. We had ordered kitchen cabinets, and other items, and there was no one, or any system set up to take over the service when they closed down. Several months went by and we had n't heard anything about our outstanding orders. that had been paid for. After maybe four or five months I went through the XXXX account that I used to pay of my order and was able to track down my kitchen cabinets. They had been in a warehouse in XXXX, TX for months. We have other orders that we paid for that we never received. We were contacted by someone that explained to use vendors we would have to contact them and they would get us into see someone within two weeks or so. When we signed up originally I could simply call the store and they would give me a contact for the vendors. I would call that person and had immediate access to the service I need. This is what we signed up for ; the way I had to access vendors after the store closed was not useful. We were promised a service that we did not receive, and had no access to. We were paying out and getting nothing in return. Therefore we feel that XXXX broke the contract and we should not have to pay for unreceived services. XXXX is the company XXXX used to finance the membership.

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 2016-12-16 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:
I have no knowledge of this 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 2017-02-01 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
I received a phone call this morning XXXX XXXX from XXXX XXXX XXXX Law Office from a person calling himself XXXX XXXX. He claimed that I had a class action suit being filed against me regarding a debt with Castle Payday Loans stating that it was a time sensitive situation on my voicemail. This man called my mom, XXXX sisters, brother in law and his mother ( I do n't even have her phone number ). 
I asked several times for law license number and he refused to give it to me, and I also asked for him to send the claim in writing to the address that he had on file. When I asked to speak to a supervisor he refused and ended the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 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: CA

Complaint narrative:
Calling my residence on a debt that I do not owe. Harrassing

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 2015-07-24 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: CA

Complaint narrative:
It is showing on my credit report that i owe money on XXXX when i already paid everything. Infact I still have an open account on XXXX for my internet swervice and home phone service. I have ask XXXX why is this Debt showing from this company and they have told me they dont know why or how. They said they have contacted the Debt collector and told them that i dont owe any balance from them and they still didnt take it out of my credit report. I have called the Agency to show me proof of this Debt and they refuse to send me any document. This is affecting my credit big time since im trying to build my credit and purchase a house.

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 2015-08-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: GA

Complaint narrative:
XXXX.collection account placed on my credit in XXXX of 2015. I have never had a XXXX account and have found several similar instances of this happening with XXXX to people all over the U.S. my cell provider has been XXXX or XXXX for the last ten years. I am considering having my attorney file suit against both XXXX/XXXX and the collection company if they do not get this corrected EXTREMELY QUICKLY.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 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: SC

Complaint narrative:
XXXX XXXX XXXX incorrectly placed an account into collections for {$49.00} with Enhanced Recovery Corp. After seeing the collections account on my credit report, I called the collection agency and then XXXX XXXX XXXX XXXX XXXX XXXX XXXX informed me that this was a mistake on their part and they would have the dept removed completely. This was done in XXXX. 

Since then, XXXX XXXX XXXX has credited the {$49.00} to my account, which makes the balance zero, however the collection account continues to show on my XXXX credit report. After seeing this, I called XXXX back and they imformed me that they have requested Enhanced Recovery Corp to remove the collection account since it was a mistake on their part. 

Enhanced Recovery Corp has yet to remove this false collections account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
This is a constant practice by Citizens Bank ( Citizens Financial Group Rhode Island ). I will pull my statement online and on that particular day I have a current positive balance. Knowing my payroll deposit is going to occur the very next day, I am not concerned knowing that there is a pending check that will be covered when or if it comes in the next day. However, when I pull my online statement the very next day I see that Citizens processed that check the day prior overdrawing the account even though I check the online balance the day before and it was positive. I have even printed my online statement which clearly shows the date on the printout and the positive balance and then the next days printout showing that check somehow mysteriously coming thru the day prior overdrawing the account and have taken it to the branch manager. They say they process checks all day and even though that check may not show up they had it and was processing it that day but I would not see it or know that. If a bank is spending an entire day to process a check then that check should not be processed until the next day. Do not fool customers by showing them a positive balance and then surprise them the next day and say " you did n't realize that all day we were working on that check but you could not see this so that counts as it actually being processed that day so thus we will charge you an overdraft even though your account clearly shows a positive balance all day ''. This bank is constantly being sued for its processes and I hope someone is looking into this backdating check scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 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: Williams & Fudge, Inc
State: TX

Complaint narrative:
I keep getting a call from XXXX, from somebody who claims to be a debt collector, and not only do they refuse to reveal the name of their company, but they have yet to send me any of the paperwork required by law, and I have yet to receive a single scrap of paper from them, and it 's been well over a month. The FDCPA requires a written " validation notice '' telling me how much money I owe within five days after they first contact me. This notice also must include the name of the creditor to whom I owe the money, and how to proceed if I do n't think I owe the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 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: IN

Complaint narrative:
I get a phone call on my cell phone, almost every other day, from XXXX. My phone only rings once. I 've Googled the number and learned that they are a a debt collector. I have no outstanding debt. I have a credit score of XXXX. 
The XXXX call began XXXX XXXX, 2015. 
I want the calls stopped and any assistance you can provide would be very much appreciated. 
Sincerely, Frustrated

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ZENCO COLLECTION, LLC
State: TX

Complaint narrative:
At most, this is some type of debt collection scam, at the very least a massive violation of the Fair Debt Collections Practices Act. This company just called me insinuating that they were a government agency. " XXXX XXXX '' told me that " this is concerning a legal case that is being filed against you '', but would n't tell me what this was in reference to. Then he mentioned that there were, charges being brought against me for falsifying information provided to banks, implied that there were criminal proceedings against me, and that they were going to have the IRS audit me. The guy would n't let me get a word in and when I pressed him exactly what this was about. He did n't disclose that it was an attempt to collect a debt, and did n't really tell me that it was concerning debt in the first place. Nonetheless, when I offered to XXXXway my attorney into the call he said for my attorney to call him. When I asked what this was in reference to, or where to send an attorney representation letter to, he just hung up. 

So I called the number back and asked what the name of the organization is. They said it was Zenco XXXX '', a company that does not exist in the state of Texas. I asked to be transferred to " XXXX XXXX ''. I then asked him who my attorney should call, he hung up. I called a second time, and he stated " This is the 13th time you called '', which was completely untrue, it was my XXXX. He mentioned told me that " this is a felony '' and hung up without giving me a chance to inquire about what this was about. I do n't ever recall having any unpaid debt, so as far as I know, this is some type of scam. If it is some valid type of debt, then it must have been from 20 years ago, as there is n't anything negative on my credit report. If it is a debt collection agency, then they are in violation of several laws, including threatening to sue after the statute of limitations and the rest of the issues mentioned above.

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 2016-04-25 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
In XXXX XXXX I took out a Payday loan with XXXX XXXX for {$400.00}. XXXX advised by the representative I 'd need to repay a finance charge of {$140.00} + the original loan amount, for a total of {$540.00}. They have not stopped charging my account since XX/XX/XXXX. When I contacted them in XX/XX/XXXX, they told me that I had to pay an interest payment before I could pay the principal. I threatened to contact an attorney, and they stopped, but started again as Big Picture Loans. They have drafted by account twice monthly. Upon further inspection, they have fraudulently initiated XXXX new loans in XX/XX/XXXX which I did not initiate ( See Attached ). Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I BELIEVE THAT MY ACCOUNTS AT THE WELLS FARGO BANK HAVE BEEN UNLAWFULLY USURPED AND DEVALUED. I WOULD LIKE TO ENSURE THAT NO MONEY IS LOST EVEN AT BANK CLOSURE. I AM HOPING THAT NO MONEY IS LOST DUE TO TRANSFER, TRANSPORT OR ANY MOVEMENT ON THE CASE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I deposited a check at Navy Federal of {$2100.00} from XXXX on XXXX XXXX, 2016. On XXXX XXXX, 2016 Navy Federal released the funds for availability. On XXXX XXXX, 2016 Navy Federal adjusted the {$2100.00} resulting in my account being overdrawn, so I called them and they explained to me the check was not authorized by XXXX. I contact the check writer, XXXX XXXX XXXX XXXX, and they showed proof that the check was withdrawn from their XXXX account and they were never credited back. Navy Federal is stating that XXXX did n't authorize the transaction but XXXX is stating they released the funds and never received them back. My account is still not resolved several days later and I have n't been able to take care of an overdue car note because of this issue. Navy Federal needs proof from XXXX that the money was withdrawn from their account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
12 month home repair interest free loan. Half way through the loan I took out a 55 month loan from the same wells fargo location for another home project They consolidated the XXXX loans with a single payment for both loans making it impossible to pay off the first loan unless I paid off both loans to get a zero balance. Could not get a payoff on first loan from them, just to total balance. paid 28.8 % interest on the first loan. Now the second loan which was for 55 month with 55 equal payment of {$130.00} per month. Wells fargo now says minimum payment now is {$360.00} per month on a {$6700.00} 55 month loan before they add interest. Spent many hours on the phone without any help from the lender

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 2015-06-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: OK

Complaint narrative:
This company, Allied Interstate continuously calls XXXX or more times per day. On XXXX XXXX 2015, I made contact with Allied interstate, they were calling my work number. I informed them they could not contact me on that number. Once more they contacted me on my work telephone number. I set up a payment arrangement with them on that day to be dated for XXXX XXXX 2015. On XX/XX/2015, They called me XXXX before XXXX. At approximately noon on the XXXX of XXXX 2015, I called them back stating our arrangement. I further instructed they could call me at the number I gave them no more than once per day. If that was not acceptable, then they would need to communicate with me By Mail Only. Allied Interstate has since began calling me multiple times per day. As of XXXX on the XXXX of XXXX, I have been called XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
When I opened my accounts at Wells Fargo, I was asked if I wanted overdraft protection. I declined the protection and specifically indicated that I would rather the transactions be declined, if indeed the funds are n't available in my account. In the last month I have been charged for XXXX overdraft fees and XXXX for a transaction as little as {$4.00}. This is ludacris. I have lost my income and I now have a negative balance of {$110.00}. I have emailed and called the institution and asked why I am being charged overdraft fees when I have declined the protection with no help at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX in XXXX NJ offered 0 percent financing through a Wells Fargo Credit Card. While I offered to pay cash the store suggested I take advantage of the 0 percent financing. We charged approximately {$1900.00} for the furniture to the new Wells Fargo account. We paid double the monthly payment for about a year and owed {$200.00} on the account on the 1 year anniversary of the charge. When our statement came in the balance was {$610.00}. A {$410.00} interest charge was added because the account was not paid off completely in the first year. I immediately paid off the {$200.00} balance and contacted Wells Fargo. They would not remove any of the interest even though the account was paid in full within 15 days of the 1 year anniversary of the charge. I can not imagine how this could be a legal business practice. We were never made aware of what would happen after one year, and if we were, we would have never opened the account. We could have just as easily paid cash. I feel as if I have be mugged by someone on the street and my wallet stolen. Why is this practice allowed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
I have supplied caliber home loans with a detailed payment history from my bank showing a consistent pattern of dated biweekly payments that has been received and cashed by their company yet the company continue to report my account 30 days and 60 days late to the credit reporting agencies. I have ask caliber on several occasions via letter over the last 3 months to please correct this or provide me with proof disputing my payment history from my bank. Their only response has been a predetermined letter stating according to our records this account is reporting correctly. There has never once been any written proof and or documentation provided by caliber to dispute my claim or substantiate theirs just that letter. I believe this to be a predatory lending tactic to prevent patrons from leaving a poorly represented company by lowering its consumers credit ratings. As previously stated there has been a biweekly payment sent to caliber home loans on my account since XX/XX/2014 to present. There is no way my account could have ever been 60 days past due let alone 30 days with biweekly payments being made every two weeks for nearly 2 years consecutively. ( I have documented proof ). Caliber accounting department has held payments and applied two payments at the same time and reported my account as being late. I have documentation of the cancelled checks with the date they were cashed by caliber home loans. This information was supplied to both caliber home loans and all the credit reporting agencies and caliber is still reporting false information and refusing to change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo home mortgage has improperly handled the servicing of my mortgage loan resulting in unnecessary large amounts of fees added to my loan, default of my loqn payments, and forcefully leading to an separate case of active forecosure each year for the past 3 years. Wells fargo has done this by not properly applying the payments i submit, reversing and reapplying payments innapropriately and without my knowledge or consent, refusing to acknowledge my requests for detailed explanation of the questionable acts applying to my mortgage servicing, refusing my payments in person, by phone, and online blocking my access to pay. Also, The very important and private information such as statements, including default related notices, and foreclosure related information was being mailed to an address which was never mine, at any point or never had I been associated wi H this address, resulting in months of valuable and confidential information regarding my banking and mortgage servicing being lost in the mail and never received by me. Additionally, not having a sensible explanation for why my address was changed without my knowledge or consent. Wells fargo also has forced the improper foreclosue status on my loan by not accepting my payments, even the whole defaulted and past due amount they improperly are requiring I pay in order to bring my loan current. There is always a new representative who i have to explain my whole background to, answer all the same questions of updating all my information several times daily as I am transferred from department to department and ultimately getting no resolution except to call back tomorrow, which results in the same behavior of wells fargo putting off my ability to have my account in good standing.

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