vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
The public record in question has been reporting with an incorrect filing date. The judgement was paid in full when I was surprised with a document via Certified Mail. I contacted the collection agency ( XXXX XXXX XXXX XXXX XXXX ) immediately and they told me the debt was from a hospital. I had been getting the run around from the hospital and my insurance company about this debt and then it got kicked to the collection agency. I would like to state that I paid off the judgement in full immediately after receiving the documents. The dates differ from each collection agency to the next as far as the filing date of XXXX/XXXX/10 to XXXX/XXXX/10 for the civil judgment. The dates simply do n't match up. It 's also frustrating when the original debt from the hospital was from years before that. This needs to be removed. This whole ordeal was a messy and heart-wrenching one for me years ago. I had a health problem so I went to get healthcare and the insurance and hospital billing were n't seeing eye to eye and I was n't being kept in loop. It gets sent to collections and I get a surprise judgment against me and I had to scramble to pay it in full. Anyways, that 's my personal story. I 've grown wiser. The whole deal was a fly by the pants operation and it gets reported wrong to the collection agencies. Thank you for reading this. I do appreciate it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TCF NATIONAL BANK
State: FL

Complaint narrative:
I have requested gateway one lending to not call my cell phone several times. They continually call my cell phone up to 20 times a day .lravimg several messages. They also call and leave detailed information about the amount I owe with 3rd parties several times a day as well. Harassing me about payments.

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 2015-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I hve had this company report on my an account that I dont have nothing to do with me a collection from a company that fraudulently opened the acct as a result of identity theft they need to close this acct immediately and stop trying to collect on fraud accounts.,!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: KEYCORP
State: OH

Complaint narrative:
On XX/XX/2016 I submitted a bill pay item in the amount of {$850.00} and as of XX/XX/2016 the payee had not received the check. I stopped payment on the item on XX/XX/2016 and was told various time frames by several telephone Rep when I would be receiving a credit back to my account. As of today XX/XX/2016, my account still does not have a credit for the missing bill payment. In this era of electronics I feel that Keybank is taking advantage of holding funds to retain interest in their holding account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
My banking accounts have been compromised. My money has been and is being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
I am being asked to pay over {$900.00} dollars in interest to a debt collector in XXXX, CA for a credit amount of {$1000.00} attached to a closed checking account ( XX/XX/XXXX ) with XXXX XXXX Bank in XXXX XXXX, CA. The debt was charged off around XX/XX/XXXX. I do not have a credit agreement to see if the collection company can legally continue to charge interest. Further, I have not received monthly statement from the collection company indicating accrued interest and penalties. I understand there is the statute of 4 years in California. We are now in XX/XX/XXXX which if five years since the amount was charged off. I am not certain the collection agent has the legal right to charge accrued interest and further can still pursue collection. The credit reporting agency shows an amount of {$1000.00}. I want to know my legal writes as it pertains to the bank charge off and accrued interest demanded of collector and California statute of limitation on the claim. Thank you,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TRUSTMARK CORPORATION
State: TX

Complaint narrative:
My vehicle was repossessed in XX/XX/XXXX. A complaint on deficiency was filed in the County Court of the First Judicial District of XXXX County, Mississippi against my grandfather, primary buyer and I the co-buyer. The Mississippi Statue of limitations on collecting on a debt is 1 year. A default judgement was entered on my grandfather on XXXX XXXX, XXXX. A writ of garnishment was issued against him on XXXX XXXX, XXXX. Due to lack of knowledge of the fair debt collection practices act notice, I did not fight the summons I received on XXXX XXXX, XXXX. Which would have surpassed Mississippi State of Limitations on collection on a deficiency claim. A default judgement was then entered against me on XXXX XXXX, XXXX. A writ of garnishment was issued on me on XXXX XXXX, XXXX.they renewed the garnishment on XXXX of XXXX. Fast forward to XXXX XXXX, XXXX my bank received notice to froze my accounts due to the garnishment issued in XXXX. My accounts became frozen on XXXX XXXX, XXXX. I was n't given any notice as to what was going on until my accounts was frozen. State law dictates I have 30 days to respond to the garnishments of my accounts before they will release funds to the courts. I have only been given 10 days to fight back. I am in the process of writing a letter to courts to file a motion to vacate the judgment due to the Statue of Limitations expiring before the summons to appear in court to fight the judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
I got a receipt today at TCF Bank which was very, very deceptive.The available balance included my overdraft protection account, BUT NO WHERE ON THE RECEIPT DOES IT STATE THAT THIS BALANCE INCLUDES THAT ACCOUNT.It is so easy to see they are trying to rip people off, as they will mistakenly believe more money is available than they actually have, and will overspend and get charged fees and a high interest rate on money they think is theirs.Anyone who has already overspent because of this egregious deception should be reimbursed immediately!!! ( the XXXX and XXXX will surely be most victimized ) TCF Bank should be ashamed of their unlawful business practices and I hope a lawsuit is on the way.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Bureau Collection Services, Inc.
State: PA

Complaint narrative:
A company who calls themselves CBCS is calling my work phone constantly as well as leaving messages on my work phone. In the message they state that they are a debt collector who is attempting to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Prosper Marketplace, Inc.
State: NE

Complaint narrative:
The initial TILA docs showed a due date of approximately 45 days from the time I initiated the loan without revealing the actual due date is 30 days from the time the loan is closed. The final TILA docs show my due date of the XXXX of each month which caught me by surprise. The company refuses to change a due date to reflect the due date originally provided to me via the original TILA docs. I called the company and the representative stated that the original TILA shows 1 month and 14 days to allow for closing times. The TILA does not show the time frame otherwise that the first payment is 30 days from closing date. The company tells me I have 14 days from due date to avoid late fees. This is unacceptable to me as is not the due date I expected from the original TILA documents. This is an unfair and deceptive lending practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: OR

Complaint narrative:
I called in to close my credit card on XX/XX/2015the account was paid to zero and I was told it was closed. I have been getting notified each month that it is past due and late fees keep getting assesed due to unpaid interest. I have told now on 3 occasions that the situation is being taken care of to a bank error in not disclosing that there was going to be an addition {$12.00} to pay. They keep waiving the late fee and telling me that the account is closed while giving me confirmation numbers of this. As of today it is still not resolved and I am getting nowhere with the bank. I want them to remove the late reports as I have outstanding credit and being penalized because of their incompitance. And for someone to help me get this card closed out like I having been trying to do since XXXX/XXXX/15. I am beyond frustrated and about to lose my mind over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: ERC
State: FL

Complaint narrative:
calls about family members credit using legal threats and abusive language. this person has never lived with me at this address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 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: TX

Complaint narrative:
Reporting fraudulent information. Amount owed, date opened. Account age, collection payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-28 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: ERC
State: CA

Complaint narrative:
enhanced recovery co ( ERC ) WAS PAID BY ME ON XXXX/XXXX/2016. 
THEY WERE COLLECTING FOR XXXX, ORIGINAL CREDITOR.THE ORIGINAL AMOUNT DISPLAYED ON XXXX, XXXX AND XXXX WAS XXXX.THEY CHARGED AN ADDITIONAL FEE FOR A TOTAL OF XXXX.ACCORDING TO XXXX ( CA ) FDCPA IT WAS ILLEGAL/FRAUDULENT TO CHARGE ANY FEE THAT WAS NOT EXPRESSLY DISCLOSED IN XXXX 'S ORIGINAL CONTRACT.ALL XXXX BUREAUS DO NOT DISCLOSE THE AMT PAID AND DATE PAID BY ME WHICH IS INCOMPLETE INFORMATION BY A FURNISHER ACCORDING TO FCRA AND I UNDERSTAND WHY THEY WOULD WITHHOLD TO CONCEAL FDCPA VIOLATION AS WELL AS FCRA VIOLATION.

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 2015-04-09 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Funding sued me in XXXX 2008 for {$3300.00}. I requested proof that I owed the debt which they never provided to me nor the magistrate ask for discovery. My rights were violated. All motions were denied in circuit court to overturn the judgment. Since I did not receive any proof that I owed the debt I did not enter into a payment agreement and my wages were garnished beginning XXXX 2008. A total of {$3000.00} was paid over a period of XXXX months before losing my job. Now I am being garnished again with interest for a total of {$2000.00}. I have requested in writing that they prove the debt and they have yet to do so. The statute of limitations in my state is XXXX years. Midland funding is still trying to make money off me for a debt that I do not owe and that they never provided proof that I owe. They are engaging in unfair practices by charging me interest and collecting money from me on a debt that I do not owe and that the statutes has expired on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Describe what happened so we can understand the issue ... 
I XXXX XXXX have been fighting with my mortgage company CCO Mortgage loan # XXXX help me with a loan modification for over a year. CCO Mortgage has kept asking over and over again for the same documents that I have kept faxing them. The last request from them to complete a file was a quick claim deed that I had to struggle to get from my ex husband that I had to hire an attorney to help me get that last requirement. I was finally able to get a quick claim deed which I faxed over on XXXX XXXX 2015. I called back a week later and CCO Mortgage like always claim they have never received it so I refaxed it XXXX more times on XXXX XXXX 2015 and XXXX XXXX 2015 and XXXX XXXX 2015. CCO Mortgage Finally said that they have received the package and Per XXXX @ CCO Mortgage said the file was complete and going into underwriting to see what options are available to help me keep the home I love and adore. I called today to get an update and they advised me that the file was kicked out of review because of some 37 day rule I have never heard of. I did everything they asked have sent every possible form to them you can imagine and this is the treatment that I receive from CCO Mortgage its completely unfair and I deserve the right to keep my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO

Complaint narrative:
I have been working with XXXX since XX/XX/XXXX to fined a workable solution for a balloon Heloc that has no repayment terms other than the Balloon payment XXXX has refused to work with me. In XX/XX/XXXX I filed a complaint to CFPB about this loan in the XXXX response XXXX stated they will review my situation in 60 days they did not. They STILL have offered zero solution other than for me to pay them XXXX immediately. In addition they do not have not a a single point of contact with me this is a violation of the CFBP settlement. For example of the last XXXX single point apoitment I have had with them my rep was only there for 1. I have had different reps call me most of whom I can not understand because of poor English skills, in addition they have made very many edited notes to my account so the substitute point of contact in unable to help me. Also-they have told me they can not help me only the investor can as they are not the bank yet the investor ( Citizens Financial ) stated that it is up to XXXX as they are the servicer and it would be '' unfair '' to their other customers to help me- in addition I have left XXXX different messages with the Ombudsman at XXXX who answered my original complaint with CFPB, she will not return my calls even though she has stated for me to call her with any questions. I need some type of solution XXXX last week told me to apply for another modification however both my self and with the help of a hud loan counsler I have applied 3 times to XXXX to be turned down I told XXXX nothing has changed so they said I will be turned down but I should apply anyway, I do not understand why they would want me to apply if im going to be turned down, its very apparent that this is a pre scripted response delivered by incompetent call reps. Obviously from the many similar complaints about XXXX to the CFBP this is pattern of unethical behavior. I want a solution Immediately XXXX agreed to help home owners in the settlement with my CFBP I demand that they comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 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: FL

Complaint narrative:
XXXX put me in collections after they agreed to cancel my contract because of bad service in the XXXX Fl area and it is now appearing on my credit report XXXX years after the issue was resolved.

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 with non-monetary relief
Consumer complaint received 2015-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank continues to charge overdraft fees to my account and yet their balance does not reflect my being in the negative on my account ... I am aware that I have overdrafts before and i have paid those up ... but it seems now every time I make a deposit now I am getting charged these fees like they have somehow flagged my account as " get this XXXX '' ... .when you speak to them they give some Mumbo jumbo about how the bank statement does not reflect the deposits and negative balance always ... .so wait you mean to tell me they as a bank ca n't even keep track properly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: CA

Complaint narrative:
I received one letter and the next week a collection account was placed on my credit reports. The account in question has been has been proven to have been opened in my name fraudulently by someone else with the previous collection agency that tried to collect from me years ago. ERC did not even send me a debt validation notice to allow me to ask for validation which is required under the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: SD

Complaint narrative:
on XXXX XXXX I want to use my atm debit card and it would n't work at a gas station. I checked it at ATM kiosk and it told me that the card has been deactivated. I went to Citizens Bank the issuer of the card and they seized my card inform me that the account was closed. Would n't give me any explanation.that was the XXXX branch. or to the XXXX branch office the next day with a witness.they still would n't tell me why the account was closed however the branch manager informed me that she would call me back in XXXX and she would try to resolve the issue and give me an explanation as to why my account has been frozen. I called two days later. the branch manager XXXX and for me that they 'd send a letter closing my account to XXXX to my residents on vacation here in XXXX at the time. where my XXXX check was deposited they froze the account. now they informed me that they 're sending a letter to XXXX telling me when they will release my funds. that supposed to be in a life-threatening situation due to my medical needs and the fact that they just need the money to live on.its cause me damages by Missed business opportunities and the inability to pay my automatic reoccurring accounts. not knowing if I 'll ever get my money back so extremely stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I had wrote a check, as part of an agreement with my mortgage company, that was post dated for XX/XX/XXXX. XXXX cashed the check a day early, XX/XX/XXXX, causing my account to become negative. The next day i was paid, the check was declined, and the funds were returned to my account. I was advised to place a stop payment on check XXXX, by the bank, and wells fargo. The reason for this is that XXXX would continue to withdraw my check. the bank charged me XXXX dollars to place a stop payment, aswell as XXXX dollars for an overdraft fee. The bank confirmed that the check would be declined if XXXX would attempt to remove it again. At this point i have a positive balance, and have made alternate arrangments with XXXX for payment. I begin to use the funds that are availible again, and on XX/XX/XXXX, am denied a purchase at a local gas station. A call to Citizens bank indicates they had allowed the check to hit my account again causing my account to become negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 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: FL

Complaint narrative:
A collection under my name is reflecting my credit report bureua, impacting my report negatively. 
I contacted the company Enhanced recovery corporation at tel. XXXX, i spoke to a representative name XXXX and supervisor XXXX XXXX, asking information on this case. 
They explain that it was a account for XXXX on a adress that doesnt belong to me, they ask me to contact direct tv since they dont even have my social securitu number and the adress that reflects on the account its not mine. 
I spoke to XXXX, and they told me that they would contact Enhanced recovery corp, to alllow 10 business day for this collection to be remove from my credit since it didnt belong to me. 
The collection is still on my credit report and when i now call Enhanced recovery corp, they tell me, that they cant talk to me about this account since it doesnt belong to me. 
This collection is really affecting my chances to buy a property, and i will appreciate your help.

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