vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-03 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 Group has reported a collection action to all XXXX credit reporting companies on behalf of XXXX for {$770.00} as of XXXX XXXX. I know nothing about the account, services provided, I did authorize or guaranty any account with XXXX. I have never received a bill, statement or demand for payment, description of time and place of services, etc. I have been turned down for a home equity loan by XXXX which is how this came to my attention. The only other negative filing on my report is XXXX 30 day late payment on a revolving account. I have repeatedly requested that all XXXX reporting companies to remove the erroneous and fraudulent filing from my reports. The only response I have received is to note that I dispute the collection action and that it will remain on my reports until XXXX XXXX. My primary remaining remedy, other that filing a lawsuit, would be to file documentation supporting my position. What documentation might that be? In other words what documentation could I be in possession of in connection with an account that I have no knowledge of?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: OR

Complaint narrative:
I took a loan out of {$1000.00} and was told I would repay {$1300.00}. I have now made XXXX payments and my first payment was for {$500.00}, XXXX payments at {$290.00} and XXXX payment for {$320.00} so now I 've paid {$2000.00}. This transaction approval for funds was before signing and not knowing they were going to charge me thousands.complaint : Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX. XXXX XXXX, XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 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: WA

Complaint narrative:
I HAVE NEVER HAD SERVICE WITH XXXX, NOR HAVE I EVER SPOKEN TO XXXX IN REGARDS TO AN ACCOUNT, AND HAVE NOT RESPONDED TO VALIDATION OF DEBT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: MS

Complaint narrative:
I got a loan through Big Picture Loan and was not given correct information about it. I am being charged 968 % interest on a {$350.00} loan. In total i am paying back {$1800.00}. And I have to pay {$120.00} every two weeks. I was never told that I would have to pay so much back or that I would have to make payments every two weeks. If I would have known this I would have never borrowed money from them. Is this legal? Is there any way I can get out of this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
In XX/XX/XXXX and XX/XX/2015, I ordered XXXX items using my Citizens Bank debit card. The first was from XXXX XXXX for {$910.00} and the second was from XXXX for {$130.00}. Both of these items are being refunded to my debit card. However, I closed my Citizens bank account ~ 2 weeks ago and thus can not access the original card nor the account to which the funds will be returned. 

At this point, I have confirmation that the {$910.00} refund has already been processed and a confirmation that the {$130.00} refund is in the works. 

When I spoke to both companies, both said the same thing - that banks have procedures in place for these instances and can cut me a check. However, when I called Citizens Bank, I was told that " It 's really difficult to get that money now '' and then bounced around from representative to representative for several hours. I am now on my 3rd call with them today ( As I am writing this, the call just passed 1 hour and 55 minutes on hold ). So far no one at Citizens has been able to tell me when / how the funds will be returned to me. Instead, they have simply bounced me around from department to department and disconnected the call multiple times. This seems more like a stall tactic than anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 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: TN

Complaint narrative:
I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation

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 2016-02-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: AR

Complaint narrative:
I Owed XXXX a bill for {$440.00} I Paid them late on XXXX/XXXX/2015 but then A Bill Collector contacted me ERC '' Enhanced Recovery Company LLC. Later contacted me about the bill they said they would settle it for {$260.00} I Explained I Had paid XXXX The full amount already and sent them a copy of the receipt and then they told me sense it was not a collection it would be removed from my credit after months of waiting it was still on my credit I Contacted them again and they then sent me a letter saying they received my payment of {$260.00} I Never sent them any money I Paid XXXX I Have tried everything with them and have got nowhere!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ERC
State: UT

Complaint narrative:
I called into Enhanced Recovery Cor to settle my {$370.00} XXXX account. I asked to speak to a manager because things usually go better that way. The representative asked me why, I explained, she replied with " so you think that 's going to help you not pay ''. 
She ended up transferring me when I threatened to hangup. The manager was rude, constantly interrupted me, raised his voice. When I offered to settle for {$100.00} which is all I can afford & a little over 25 % he laughed & said I needed to try & settle for at least half which is {$180.00}. I told him I could n't & he said that his company would check into that & call me every few days until I figured out how to pay it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29 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: LA

Complaint narrative:
I requested validation of this debt XX/XX/XXXX and this collection agency sent a letter in response that they were deleting it from my credit report, however when I got the results from my dispute the account still remained on both XXXX and XXXX. I sent in a copy of the letter received stating the account would be removed to both of these bureaus and still they are saying that Enhanced Recovery is verfying the information to be correct. This makes zero since being that they have put in writing they were removing the account. As you can see the deletion letter is dated XX/XX/XXXX and the XXXX credit report is dated XX/XX/2016 and when XXXX verified this information they had a copy of the deletion letter on file.

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 2015-05-21 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Big Picture Loans, LLC
State: OR

Complaint narrative:
Collection agency is calling repeatedly to my work, including calls to my supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 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: OR

Complaint narrative:
Improper reporting to Credit Bureaus I found this company ERC on my credit report in XXXX of 2016 after having a lender pull my credit. I have never heard of them before and have never heard from them whatsoever. I never talked to these people or received any notice or letter from them. Was not aware of their existence until XXXX. The XXXX accounts that they reported to all XXXX credit bureaus were showing closed. I disputed them because I have never heard of this company before. After I disputed, ERC updated my credit report and started reporting them as OPEN, even though they were previously showing closed, they are old. I called the number several times to try to find out what this was about to no avail. I have yet to receive any call back or any information from anyone at ERC. Through some digging of my own, I found out that these XXXX accounts ( att and sprint ) are allegedly old debts that they bought from these companies. They must have bought them and then IMMEDIATELY started reporting them because again, they have never made any contact with me before reporting to all CRAs. The funny thing is that I have my current cell phone and tv service with XXXX, which I acquired after this supposed debt and an att representative just told me that not only can they not find any old debt that I owe, but that if I owed anything past due I would not have been able to get new services with them, without paying it or if at all. The alleged XXXX bill is an even bigger deal because it is much higher. It will always be crucial to me to verify or validate any debt that any company says I have due to the fact that I have had my SS # used by a family member in the past year ago and so I will always require validation just to make sure it actually does belong to me and to avoid becoming a victim at any point again. This was never done by ERC. As I stated, they simply bought these debts and starting reporting them, it seems. That collection tactic, I guess, is designed to shock/scare the consumer into to paying when they discover the surprise. The only thing they have done is to update my credit report and to change it from closed to open - now almost 4 years later.

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 2016-12-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
We are under contract to purchase a Condo. On XXXX XXXX, XXXX we submitted a mortgage application to Citizens Bank N.A., XXXX XXXX, XXXX XXXX XXXX, XXXX, RI XXXX for {$190000.00}. We are putting down 20 %. To date we still have not closed. They have put all kinds of conditions on this mortgage. Our credit ratings are all in the XXXX 's and have over {$150000.00} savings in the bank. We own a rental condo in XXXX which is fully paid for and the same tenant has lived there over 10 years. Our debt is under {$15000.00} except for the home we current are living in which will be sold when we move. We have approx.. {$150000.00} equity in these XXXX current properties. We have an annual income of {$90000.00} per our XXXX federal income taxes. I work for the Town that we live in and have been there over 16 years. I have no current plans to retire anytime soon. I am in the XXXX pension and XXXX deferred Compensation programs and have been for the 16 years I have been employed by the XXXX. My husband is retired. This bank has dragged their feet and made many demands which we have meant every one. Now they have approved us for an {$80000.00}. mortgage with no explanation why. I have pressured them for an explanation and now they are saying it was because we had a loss on the XXXX condo. The loss on the condo last year was {$4300.00}. of which {$1500.00} was depreciation meaning they are denying us the full amount of the loan for a loss of {$2800.00}. This property has now been paid off per their demand so there will not be a loss on this property this year. I feel that we have been age discriminated against. They requested copies of our XXXX driver 's license so they know that I am XXXX and my husband is XXXX. We want to move into a condo because our current home is on over an acre of land and has a long driveway. I no longer want to spend my free time mowing which takes almost 3 hours a week and we have the driveway plowed but still have to shovel the sidewalk and the back deck so our small XXXX dogs can get off of the deck. If we do n't close on this property we will lose our {$10000.00} deposit and there are many other fees which we will be responsible for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank sent me a letter stating they were closing my account. No reason was given, so I went into my branch to ask why. Again, no reason was given and the manager advised me to call the XXXX number on the letter. When I spoke with this department again, no one would give me a reason for closing my account, they just simply said it was " according to metrics and that I made my deposits and withdrawals on the same day '' ( is n't this the point of a bank ) I feel like this was unwarranted and someone in a back office who does n't know me is trying to make judgments about an account based on daily transactions ... .no phone call was made to me to try and inquire about these transactions and no effort was made to remedy the situation by the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
My home was damaged by a hail storm on XXXX/XXXX/2016. My insurer XXXX XXXX sent an adjustor and issued a check for {$34000.00}. The check was payable to my wife and me as joint owners and Roundpoint Mortgage Servicing Company who services the mortgage on the property. Round point required we endorse the check and send it to them along with a long list of documents. Having no choice even though we anticipated trouble, we endorsed the check and sent it to them with many documents. The work is now complete and the contractors have been paid. We have sent Roundpoint a copy of the insurance adjustors report, notarized affidavits from both the roofing and the painting contractors affirming the existence of a contract and waiving their rights to liens on the property, XXXX for both contractors, quotes for the work from both contractors, and paid invoices for both contractors. Nonetheless Roundpoint refuses to release the funds. I am sufficiently upset with them that I will pay off the mortgage when this issue is resolved and have asked them to apply the funds in question to my outstanding balance. They have refused to do that as well. The whole problem smacks of a scam to hold the money interest free for as long as they can. Their requirements are completely unreasonable. Anything you can do to get these funds released will be much appreciated. Round point 's address is XXXX. XXXX XXXX, XXXX, NC XXXX. Phone number is XXXX. Thank you for your assistance.

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 2016-05-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
1. This loan ( from Prosper Company ) was not strictly a mortgage. It was a debt consolidation loan for {$15000.00} and the rate promised me was 15.41 %. They took out 5 % of the loan as some sort of fee which made the loan amount {$14000.00}. At a three year rate of paying {$520.00}. a month I will be paying a total of {$18000.00} which is an interest rate of 24.6 %, ( based on the total loan amount of {$14000.00}. ) not 15.41 % as promised. At that rate I never would have taken the loan. It is the same exorbitant rate the credit card companies were charging. 
2. I would like the {$750.00}. ( origination fee? ) returned to me. And I would like them punished for dishonest business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP
State: WA

Complaint narrative:
This is the 5th time this has happened. 
About once or twice a year for the past several years, Key Bank, with whom I have a home equity line of credit ( HELOC ) fails to send me a monthly statement. It just never arrives. Twice, I noticed before my payment was due. I called Key Bank and asked them to send me a statement ( after making sure no one else was charging anything on my HELOC ) and I made the payment over the phone or at a nearby branch. 2 other times, I did n't notice and did n't pay the bill until Key Bank notified me that my payment was late ( at which point I IMMEDIATELY paid and they waived their late fee ). Until today. Today, a woman named XXXX at the XXXX XXXX, WA branch called to inform me they would not waive the late fee. When I asked why ( since I was not tardy ... ..I 'd never received the bill! ), she rudely stated that they would n't and there was no point in discussing it further. I pay my bills on time. The only occasion in several years of having this HELOC that I did not was when Key Bank failed to send me a bill / statement. It seems inappropriate to charge me a late fee when they never sent the bill to begin with. Because this has happened on several occasions to me, I imagine it is happening to hundreds or thousands of others as well. Key Bank is likely raking in a fortune in late fee 's that they 've had a hand in creating. I would like the CFPB to investigate this further, and find out if this is a pattern designed to profit on consumers in an unethical manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: CA

Complaint narrative:
I had a water damage in my house. I filed the claim to insurance company and settlement process went pretty smoothly, I got my check in about 10 days. Since the damage was major, the check was issued on my name and on Seneca Mortgage Servicing LLC, so I had to sent the check to Seneca. And my real problems began.. I sent all paperwork as requested, with fast overnight shipping. It still took them 4 days to call me to notify that they ca n't issue the check because they ca n't validate my contractor. I asked for check for partial amount and it took them another 5-7 days to issue the check and then mail it ( another few days XXXX. I sent out corrected contractor document overnight and I called them in the meantime. I called them 3 times during the same day, since they kept informing me that my contractor data is incorrect. First time, they told me that the day before the payment was submitted and then denied because of " some reason ''. I asked what is wrong with my contractor details, they could n't say. I called second time and they told me that they are waiting for corrected form ( it was delivered 4 days before ). I called another time the same day and I was informed that everything is fine and they are submitting the payment. 2 days later I called to get confirmation and tracking number of the check and.. it turned out that the payment was n't submitted at all and they wasted another 4 days XXXX weekend + 2 days )!!!! 
Overall it was very stressful process, with inaccurate and misleading information provided by Seneca. It took 4 weeks to get money issued by insurance company while, I could n't pay my contractor and was living in the hotel. Terrible experience, Seneca should n't be allowed to provide mortgage servicing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: WA

Complaint narrative:
1. Checking account was opened in XX/XX/XXXX for a student with parent on the account. 

2. XXXX protection was added to cover overdrafts. We do remember that money was transferred from this checking account to a place called XXXX. 

3. In XX/XX/XXXX we inquired about this " XXXX '' account that we saw on online banking that totaled about XXXX. Key Bank at the XXXX, WA branch stated " it 's your money '' and we withdrew that amount. This " reserve '' account was not closed. 

4. In XX/XX/XXXX a 'XXXX ' account was activated. However my credit report indicates this was opened XX/XX/XXXX. Key can not provide documentation stating they have records dating back 7 years only. 

5. We were unaware of any change from whatever was overdraft protection prior to XX/XX/XXXX since the process appeared the same, i.e. money was transferred from checking to an account for overdraft protection. Key Bank can not provide documentation of this and denies there ever was a cash reserve account. Key states that this account was approved by either myself or other account holder over the phone.

Company response to consumer: Closed with explanation