vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Law Offices Howard Lee Schiff, P.C.
State: MA

Complaint narrative:
I would like to file a formal complaint against the Law Offices of Howard Lee SchiffOn XX/XX/XXXX I received a letter from their office claiming I owe a debt to XXXX XXXX bank in the amount of $ XXXX submitted a debt validation letter XX/XX/XXXX to their office, I had no further communication with them and the debt was never validated, Which violates the FDCPA. After some online searching I have found numerous other complaints about them and their collection methods from many others who have also claimed the same issues on not receiving the validations and along with far worse complaints of threats and illegally collecting fundsOn XX/XX/XXXX I received a summons to Small claims court, still without any validation what so ever that this is in fact a valid debt owed by me, The hearing was scheduled for XX/XX/XXXX in the XXXX Court, I knew was going to be unable to attend the hearing due to needing to provide my elderly mother a ride to and from XXXX so I submitted a request for continuance to the court a few weeks in advance which was n't granted. 

I received the judgement from the court saying I had defaulted, Even though I submitted the request. I then called Howard Lee Schiff and told them the issues I had and that they still never validated that this is in fact my debt so I said this must be treated as a fraud case and that 's when they finally sent me anything resembling any validation at all. 

I received from them were the fraud documents along with a few statements from XXXX at an address I once lived at and in a name that I also share with my Father, Who also was living with me at that same address during the time in question. His passing coincides with the receipt of last payment to XXXX having passed 2 or 3 weeks after the last payment they receivedI filed a motion with the court to have the default judgement removed and it has since been removed and the hearing is being rescheduled. The payment hearing was yesterday and that 's when they allowed the motion to remove the defaultI spoke with the lawyer handling the case for them yesterday at the payment hearing and I said why have I still not received any validation yet that I owe this and her words were " I have 30 days to request the validation, But they are under no time limit to respond to the validation " How can they legally and ethically do this? I am expected to go to court, Not knowing that this is in fact my debt?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC
State: CA

Complaint narrative:
North Shore Agency has sent XXXX letters claiming I owe XXXX XXXX {$150.00}. I responded to the XXXX letter saying that I did not have an account with XXXX but would go to the XXXX corporate store to find out what was going on. XXXX blew me off but that 's for Weights & Measures I think. Then I recieved a XXXX demand from North Shore Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capio Partners, LLC
State: NY

Complaint narrative:
I went to XXXX XXXX XXXX XXXX in XX/XX/XXXX -3,1/2 yrs. ago! I was working for XXXX on Tropical Storm XXXX. I received a bill from Capio Partners collections agency XX/XX/XXXX. I did not remember the emergency room visit at the XXXX XXXX and did not pay it. When I checked with my insurance company they verified it and I finally remembered it. I paid the bill although I am not sure it is legitimate because the Hospital never billed me directly. Capio paid the Center {$65.00} telling them Capio would collect from me. That is the amount I normally pay for a specialist office visit co-pay. I do not know if I actually owed the XXXX XXXX anything. Capio went ahead and reported late payment to the credit reporting agencies and now it is on my record. I want that removed from my record and since the hospital never billed me, I want to be re-imbursed. I think the charges are bogus charges made up by Capio to get money -- especially from seniors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Crow Creek Sioux Tribe
State: NC

Complaint narrative:
The amount that it says I borrowed, XXXX, was not the amount deposited to me. And I was not aware of the finance charge of {$5000.00}. Was not present when borrowing the money. Appeared after.

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 2015-09-30 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
This company has been contacting my family, friends and even neighbors. Today when I called and again had asked for written verification of the debt I was told to go to the website and look it up. I informed XXXX XXXX that I was in class and then going to the XXXX and did not have access to the internet. I again asked for written verification and was told NO. I then asked him for his address so I could send a written request and was told he was not giving me his address. I then told him I wanted him to stop calling all XXXX parties and to call my cell or home phone. He then said I was blocking his calls, but then in the same breath said he always reached my voicemail ( and not once has he left a message ). I again gave him my home phone and told him I was in class everyday till XXXX and then off to the XXXX from XXXX till XXXX. He then proceeded to yell at me and ask me about my financial situation and why could I not pay my bills. I said this was none of his business and again to stop calling and discussing my debt with others and he just laughed at me. I then said I was going to file a complaint against him and his office and he just laughed and said you know how many times a day I hear that lady. Go right ahead you dont scare me. I just asked again for the address he again said NO and I just hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: KY

Complaint narrative:
I applied for a {$400.00} loan on XXXX XXXX 2016 with big picture loans was told that i would qualify for a reduced rate of payments of {$100.00} every 2 weeks signed documents online then went to view documents the payments changed to {$140.00} every 2 weeks for XXXX payments then for XXXX payments it is raised then slowly goes down and the interest rate is higher than was told it is 704.9185 %

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
Somebody calling me they said took a payday loan out and they went and my account Last year of XXXX and they could not get the funds they said they taking me to court if these the same people who calling me I pay them already and they saying they never receive anything and I been trick to many time already what should I do they keep calling me they said the name representing is castle payment but they never said the name of they company then every time they call they always put a recorder on

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ERC
State: CA

Complaint narrative:
I have disputed this debt and asked them not to contact me. However, their letter states that even though the debt was disputed I need to disputed it again or they will assume the debt is now valid.

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 2015-07-29 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: TX

Complaint narrative:
Enhanced Recovery Company is attempting to collect a debt on behalf of XXXX that : a ) is not a valid debt of mine because I cancelled service with them when they bought out XXXX XXXX XXXX and paid my final bill to XXXX XXXX XXXX ) is a debt that is XXXX years oldc ) re-aging the debt onto all XXXX major credit reports with an incorrect " place for collection '' date

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 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I sold my house and closing took place on XXXX/XXXX/15. CCO received payoff and applied money to pay off my loan. They allegedly sent my escrow refund on XXXX/XXXX/15. XXXX calls and XXXX different answers, where the last person said they were n't even sure if it went out. Received documents dated XXXX/XXXX/15 saying my loan was paid and closed. It is now XXXX/XXXX/15, and they now say i have to wait for an affidavit to sign and mail back saying I wo n't cash the check. Only then will they reissue the check. They are collecting interest on my money. They refused to allow me to speak with a supervisor. They refused to send the affidavit prior to 30 days after the alleged issuance of the check even though it clearly was not going to be received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 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: IL

Complaint narrative:
A year ago I received a bill from XXXX XXXX XXXX in the amount {$690.00}. I contacted XXXX and was told that this bill was in error and that I do not owe this. I asked how did I get this in the first place and they claimed that originally that I had missed some payments. So I asked to be transfeered to their colllection department just to make sure the that both departments were saying the same thing. We went over the bill for the past 7 months ( the months they claimed I owed ). This is when I was told that I did not owe balance and that they would take care and make it right Last week I received this same bill this time from their in-house collection group. I am furious.

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 2016-07-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XXXX XXXX, XXXX I called Citizens Bank in XXXX, MA to ask them how I can close our my checking account no. XXXX. XXXX XXXX XXXX told me I had to have a zero balance in order to do that. He said there was a balance of {$58.00} and to write a check for that amount to clear the account which I did check no. XXXX for {$58.00}. On XXXX/XXXX/XXXX I get an overdraft fee for {$5.00}. I called the bank and he said not to worry about it. I then get a statement saying that on XXXX/XXXX/XXXX I was charged a late payment of {$20.00} and interest charges of {$19.00}. My Husband called the number on the statement XXXX and they said that we owe them {$1000.00}. They said we were given an overdraft line of credit and we owe it to them. We were never aware of this and they take {$20.00} per month from our account for overdraft charges and if it is overdrafted they charge us another {$30.00} on top of that. We never took a loan with them and they have always taken the overdraft charges right out of our checking account along with their maintenance fees. This have been since the year XXXX. They have already been paid the overdraft charges right from our checking account. We just want the account closed and for them to stop charging us interest and overdraft fees for an account we closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME

Complaint narrative:
i had closed XXXX of many accounts i had with citizens bank, although the account was closed i could still view my register with all my critical information, then without warning all records were removed from my account on XX/XX/2017, all this was done without warning, i need these records for my tax filings, i have tried call but they pass me along from person to person, keep me on hold, i get cutoff weith no return phone call and then they tell me they will give me the info at a huge cost, they say they do n't have to give notice for deleting your history, i know i need a new bank but i need my records, i am retired, have limited income and do n't feel i should pay for what is mine. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 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: KS

Complaint narrative:
There is a collection company called Enhanced Recovery that put me in collections for a debt that i have already paid. Enhanced Recovery is committing fraud against me by trying to collect this debt. The collection i paid and this wrong collection is the same account but a different amount to try and scam me. My lawyer and I are proceeding with a law suit due to the harm this has caused me. It has prevented me from purchasing a home and has been ruining my credit score for months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 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:
We were charged over {$100.00} by XXXX XXXX XXXX for some unknown reason and when we called the customer care to find out what it was about, they did not give us any proper response and they said it was some technical error from their side. After 4 months we get a call from Enhanced Recovery stating that they are coming to collect the bill amount and although we did not know what it was for, we paid duly. Its been over a year and now we notice that they had filed a delinquency report against us. Our credit score has been hit by XXXX points and there is no one coming forward to help us with it. We did not notice this statement until recently when we went to the bank to get a loan to purchase a house. We have proof that we have paid the company, can they still hold this against us?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BQ & Associates, P.C., L.L.O.
State: NE

Complaint narrative:
Consumer has been receiving frequent repeated calls to consumer 's phone number from ( XXXX ) which belongs to the collection law firm of Brumbaugh & Quandahl, LLC. Consumer does not owe a debt to anyone. Consumer never has owed a debt and will not be 'harassed ' by this law firm in relation to a debt. Consumer contacted ( by phone and recorded the call ) the law firm who stated they were looking for a person by the name XXXX XXXX. Consumer is not familiar with a XXXX XXXX, do n't know the person, never have known the person, and is not related to the person. Consumer made known to the law firm ( and recorded it ) that they ARE NOT to call Consumer 's phone again. Consumer has NOT given Braumbaugh & Quandahl expressed permission to contact consumer on any level. Consumer is reporting in this venue a complaint related to Consumer 's position in this matter. Consumer will file a federal and state lawsuit against Brumbaugh & Quandahl LLC, if they do honor Consumer 's wishes and 'cease ' contact with consumer immediately. Consumer does not want calls, letters or emails from Braumbaugh & Quandahl related to this matter. Consumer will not tolerate consumer 's phone ringing incessantly or periodically from Braumbaugh & Quandahl. Consumer has the right to peaceful enjoyment of consumer 's phone and home under the Telephone Consumer Protection ACT of 1991 ; ( TCPA ) [ 47 U.S.C. Section 227 ] Section 227. At NO TIME has consumer given expressed permission to Brumbaugh & Quandahl to call consumer for any reason. Under the FDCPA Section 15 U.S.C. 1692d Section 806 Braumbaugh & Quandahl are 'harassing ' consumer if they do not discontinue contact of consumer. Consumer thanks the CFPB for providing this venue as a form of documentation that can be tendered as evidence in a court proceeding if necessary. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: KY

Complaint narrative:
I took out a loan in the amount of {$600.00} with Big Picture loans. At the time I accepted this agreement, the disclosure was not visible. I was not informed of the 989.6999 % APR rate until after the agreement was signed. I was told that there would be a finance charge of {$210.00} making the total pay off amount {$810.00} not {$4200.00}. I was unable to view the disclosure until after the loan had been processed and funds were delivered to my account. To this date, XXXX/XXXX/2016 I have paid them a total of {$840.00} and my account still shows that I owe them {$810.00}. I was informed by Big Picture that all of my payments went to finance charges reminding you that they informed me that the total payoff was {$810.00} including the {$210.00} in finance fees. 

Big Picture Loans XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
I borrowed XXXX. I had not been informed of the 850 % interest rate on the loan, that I was told there would be a {$260.00} finance charge, not {$4000.00} in total payments, and that I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I put {$300.00} on a prepaid credit card and only spent on a purchase with XXXX in the amount of {$10.00} and XXXX purchases of {$1.00} each with Silhouette. I went to use it again in 2015 and checked my balance and there was no money left on the account. There were XXXX transactions that I did not make to a XXXX XXXX XXXX in XXXX XXXX XXXX CA. I do not even live near XXXX XXXX XXXX or shop in the vicinity. I filed a complaint and sent them the receipt for the card that the XXXX 's XXXX where I purchased it in XXXX XXXX was so kind to give me. I then received a letter stating that they had no response from me and that the transactions appeared valid. They then closed my case even though I attempted to communicate with them by Fax several times. 
They have never answered any of my faxes. I have not tried to reach them recently since my husband was very ill and I was unable to deal with this problem. But I am now trying to get help to make some attempt to resolve the matter. I do n't believe the credit card company made any attempt to investigate but is just keeping the money and making it difficult to communicate with them. 
Sincerely, XXXX XXXX

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 resulted from identity theft
Company: ERC
State: NY

Complaint narrative:
Someone stole my identity and opened a XXXX account which they never paid. They then resulted to opening an optimum account when their XXXX was disconnected. I have a police report which states the identity theft. I submitted it to optimum and they took the account off my record. However, I have submitted the police report to XXXX and they are still charging me for it. Now I have a collections agency named Enhanced recovery corporation on my credit file when this account was a result of identity theft. I have tried contacting the agency and no XXXX answers. I have also tried contacting XXXX and I just get passed around the phone until I ultimately get greeted by a voicemail.

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