vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Northstar Location Services, LLC
State: AZ

Complaint narrative:
I received a call from Northstar Location Services regarding the debt of a relative. They also contacted another relative, disclosing the relative 's debt, as they also did to me. They also left a message on my cell phone ( all contacts were made to our cell phones. ) No one ever gave them permission to contact us, especially on our cell phones. The caller was deceptive as he asked " who is this? '' When neither of us would disclose our names, he gave out the information that they were a debt collector and the name of the person involved in the collection.

Company response to consumer: Closed
Consumer complaint received 2015-06-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I walked into Citizen Bank in XXXX Massachusetts to open a checking account. The assistant Manager XXXX who was helping to open the account interviewed me about other things including whether I had a business or not. When I confirmed I had recently XXXX is like all XXXX broke loose. She could not let me live. She convinced me to open a business and Payroll account, immediately called a XXXX XXXX from XXXX and arranged a meeting a few days after. I explained to XXXX a few days later in the bank premises that it was a new company and did not know whether I needed payroll services or not. XXXX promised to charge me only {$50.00} to process for XXXX employees. I was also asked if I was if I had any retirement arrangements which I said I did not have. They said they will send somebody to sign me up. 
Everything started off well until around XX/XX/XXXX when everything seemed to go very bad. What was supposed to be {$50.00} dollar charge for preparing for me XXXX checks turned out to be very costly. XXXX will take from my account more money than what I was paying my staff and could not understand. I went to the bank to complain to XXXX asking her to stop the payments. She advised me to call them ask them to stop the service. This I did in XX/XX/XXXX but they never stopped going into my account until end of XX/XX/XXXX. In the process they overdrew and caused a lot of charges on my accounts. At one point Citizen bank took money from my Business account and transferred to the Payroll account. 
As for the XXXX, I was signed up ( In all cases I was signing through the signature pads. Only there relying on what I was being told. When I inquired about the fees for the XXXX, is when I realized they were signing me up as a company. The fees was much higher that what my contributions would be. This was an obvious case of misunderstanding, and asked them to cancel immediately. This arrangement was never cancelled and they repeatedly went into my account causing it to overdraw. 

I do not understand the connection between, Citizen Bank and XXXX but was very surprised at how the bank campaigned for them and how unprofessional XXXX handled me. I signed signature pads, therefore relying on what they told me. Turned everything was wrong. The XXXX was worse because I said It was a clear case of misunderstanding and yet they went ahead to try getting money from my account. 
The result is that now I am in collection with both Citizen Bank and XXXX trying to collect money from me. 
At one point I asked XXXX why she was so involved in the XXXX business. Her answer was that she is under a lot of pressure to get to her targets. It was as if all other managers had no targets at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: IA

Complaint narrative:
Here is a detailed description of the issue. 

First, I never recieved confirmation of the loan, the payments expected, or the like. I had to contact them to get this information. I felt it was too expensive so I did what I could to solve my issue. 

On XX/XX/XXXX, I checked my online account with big picture loans. The payoff was listed as {$660.00}. I called and was quoted a payoff of just under {$630.00}. I recorded the authorisation to debit my account and pay this balance. 

About half an hour later, I recieve a voicemail to call big picture customer service. I called and was told I had been given the incorrect amount and my payoff amount was actually just under {$670.00}. I protested and was told, " sorry, the previous representative was in error ''. I asked why the online amount was different. I was told it was old information. I requested a supervisor. The supervisor insisted that the payoff was correct at just under {$670.00}. I told him it was extortion. In the end, to terminate the issue, I had to record a second authorization for the withdrawal of their " corrected '' balance. I made it clear that I felt this was wrong and only did so to end the matter. 

After the call, I returned to the website. Their " correct '' payoff balance still does not show. I 've trained a screenshot of the website that I accessed after this phone conversation. 

Upon advising the company that I was escalating my comlaint through consumer channels, I was told by big picture that the payoff was stopped and the matter would be investigated. However the withdrawal of {$670.00} processed out of my account on XX/XX/2017. 

I hope you can help me make sure others dunt face this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
RE : Case number : XXXX I am now filing an additional complaint in this matter concerning my escrow account and my demand that the account be dissolved and all funds remitted to me. Citizens has engaged in stalling tactics throughout this process and now has requested an additional 60 days! They have no documentation to support their claim of a " fee '' that should be imposed on me for the dissolution of the account. They have continuously tried to placate me by asking for an additional number of days to " research the issue ''. It is time for them to close the account, as they have already agreed to do, and turn over all funds to me. 
The attached documents show a pattern on the part of Citizens to continually stall the customer and delay any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 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:
ERC is sending me letter asking me to pay for debt that is not mine they have the wrong person ... multiple letter .. from different accounts.. why the have the power to ruin my credit? 
they are a scam ... they dont do the research to check the information. soo unfair!!! i take care of my credit and some careless company just add collection that is not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-22 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
Hi I took out a payday loan ( Castle Payday ) back in XXXX of 2013 for {$400.00} in which i would pay {$540.00} back, I originally missed the first payment due XXXX/XXXX/2013, I made my first payment XXXX/XXXX/2013 and after which XXXX XXXX up until XXXX/XXXX/2013 in total i paid {$560.00}. Now 2years later I 'm receiving calls saying I never paid and charges are being filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 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 a debt. I was never notified that I owed this company a debt and further more I never entered into a contract with this company and they have never provided me any services. I was never afforded my rights according to the FDCPA

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 2015-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams & Fudge, Inc
State: NV

Complaint narrative:
I recently retrieved my credit report and found out that there is an outstanding {$120.00} balance from my current college, XXXX College, that was apparently sent to collections and has still not been paid off until this date ( XXXX 2015 ). I work at the XXXX and I have reviewed my personal account in detail a XXXX times, and never have I seen an outstanding balance nor any evidence that my account was ever sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
I took out a lone for {$1200.00} and I have pay back {$1700.00} they said I still owe {$1000.00} I have made seven payments

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am having issues with CCO mortgage corp sending my Escrow back on a mortgage that paid off. I have an envelope showing that I had the payoff sent to my new address and I have contacted the bank and my address has been changed since XXXX/XXXX/2014. CCO mortgage is saying that I never changed my address and they are saying I did not and even if it is changed at the bank mortgage is a separate company and have no responciblity to look in to it. I am now being told they will not reissue a check until 30 days after it was sent out and then they have additional 30 days to mail it out. Also they do not have to transfer me to a supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Business & Professional Collection Service Inc
State: NV

Complaint narrative:
have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EMPIRE MEDIATION SERVICES LLC
State: PA

Complaint narrative:
On Wednesday XXXX XXXX I recieved a phone call from a supposed process server that works for empire mediation services. He told me papers were going to be delivered the next day that I needed to sign. That a summons was being delivered. He left a phone number for me to call to resolve the situation BEFORE the papers were delivered. The number was XXXX. I called the number and they were trying to collect for something that was paid. The company goes under a few different names so I emailed them what I had. They emailed me Nd told me I was scamming them and it was not pAid. The man called me a liar. I told him my attorney would be in touch. I asked him for his address and he would not give it to me. Then he tells me he is n't speaking to me any more because I said I had an attorney. But then the next day he emails me again!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
Overall complaint about TCF Bank : Unlike some other banks, TCF charges an overdraft fee for pending items even if you have money in your account that should cover a non-pending charge. If there is a pending deposit from the night before, TCF will access a fee if you make a small debit purchase because the money in your account is being held hostage for pending items instead of paying for charges as they are posted to your account. Here is a screen shot of {$200.00} in fees I was charged ( the bank magnanimously returned {$25.00} ). This is some sweet spot of manipulation that TCF has figured out. So while this may be technically legal, ( or is it? ) this is theft of the small hardworking individual who at the moment is fuming.

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 2016-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sentry Credit, Inc.
State: FL

Complaint narrative:
I received a message on my answering machine from Sentry Credit XXXX on XXXX XXXX at XXXX. Fast talking woman left message saying it was an attempt to collect a debt and to call her back at XXXX. I am a retired XXXX was breached and I am covered by an XXXX paid for by the XXXX. I get monthly updates and have access to all XXXX credit scoring reports from XXXX, XXXX and XXXX. I also receive my credit score each month with XXXX of my credit card bills. I am not behind or late on any payments I do not owe anyone any debts. I believe this is a scam credit collection.

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 2015-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Arbor Residential Mortgage LLC
State: SC

Complaint narrative:
I have submitted almost all of the documents to Seneca, spoken to their representatives and have explained why some documents are not in accessible, to no avail they have denied my request for a modification and have informed me I will need to resubmit everything again. 
I feel this is a stall tactic for reasons I do not understand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I have been denied a home modification twice once when I lost my job now again asking for a reduction in my interest rate I have been paying the mortgage at 6.39 % since XXXX/XXXX/XXXX I lost my job in XXXX it was for a XXXX dealership that was cancelled by XXXX. At that time I asked TCF bank for help but was refused I have been taking on loans to pay my mortgage payments since XXXX. I tried to get refinanced but with my home being depreciated from a value of XXXX in XXXX by XXXX appraisal to in the area of XXXX now no bank will finance me without coming up with XXXX I have been told. I do not have that kind of money. They are charging me 6.392 % for the home mortgage and 5.23 % on the home equity loan. They again refuse to lower my interest. If it had been a government loan I would not have a problem with refinancing my home. I have paid every payment on time for the last 15-16 years. I have just turned XXXX just had XXXX XXXX this year have to borrow more money to pay them. May not have a job much longer yet they still denied me saying no hardship exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 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: ProCollect, Inc.
State: TX

Complaint narrative:
I discovered this collection item in my credit report in XXXX 2015. I contacted ProCollect in writing to request validation. Their response was to send me a computer screen shot of a move-out summary for an apartment complex that did not contain enough information for me to determine if I am responsible for this alleged debt. I do n't recognize any of the information. In XXXX 2015 I again requested, in writing, additional information. I did not receive any response. I have requested for the credit bureaus to investigate this item as I still do not believe I am responsible. ProCollect continues to verify the information as accurate to the credit bureaus without having provided validation to me. I again contacted ProCollect, in writing, in XXXX 2015 demanding validation be provided to me. I still have not received any response whatsoever.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP
State: CA

Complaint narrative:
I have a XXXX on my house in XXXX Ca. with KeyBank. It is a fixed rate loan for 6.99 % that I have had for about 8 years. I used it for a swimming pool, block wall etc. I never paid much attention but after check I found that the interest charged varies over {$150.00} from month to month. I have tried to contact them numerous times by phone and by their email contact but get no response. Any advice our guidance on this matter would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I have been attempting to close a short sale for over 2 years and Roundpoint mortgage continues to stall and delay by asking for documents not needed or have been sent to them. I have had XXXX cash buyers and the last XXXX is about to give up. They send me confusing requests in the mail so I have to call them to find out what they need. I can not reach my account rep by phone and have to wait until call me. When I send them a doc ( by email ) it takes 3 days for them to read it.

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 2016-08-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I contact GLA collection company about a medical bill that was on my credit report. The bill and amount stated {$38.00} and I was prepared to pay this amount, as I was in the process of getting a mortgage. When I was about to pay, the representative insisted that my amount was {$61.00} with the interest. I informed them that I did not owe that amount and that I would pay the {$38.00} but that it MUST be removed from my credit reports due to the mortgage review. I told them I did not count that in my budget and I could n't pay it yet but could pay the {$38.00}. They said if I only paid the {$38.00} that it would remain on my credit report ( alternatively ruining my chances of getting a mortgage ) but if I paid the full amount of {$61.00}, they would remove it. They would n't even allow me to pay {$38.00} and call back to pay the rest if I could. I had to pay non or all. I paid the {$61.00} to get it removed in order to buy a house. There was no agreement to pay interest or even that I owed more than {$38.00}, except when they knew I was planning on paying. They even sent me an immediate receipt but it only stated that I paid {$38.00}, even though my account shows they removed the full {$61.00}. I could n't even get a correct receipt from them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 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: ProCollect, Inc.
State: WA

Complaint narrative:
This debt was paid off in XXXX. ProCollect ( the company ) accepted payment for all debts in their offices in XXXX, XXXX. XXXX XXXX received notice from the company on XXXX/XXXX/XXXX that all debts had a XXXX balance and as part of the agreement, the debt would be removed from his credit report ( proof of this email exchange has been sent to the company 22 times, final receipt was by certified mail on XXXX/XXXX/XXXX. ) After collection attempts continued, the CFPB was notified and a case was opened ( XXXX ). The result of the case was XXXX XXXX would no longer be receiving phone calls from the company and the item ( s ) would be removed from his credit report. The items were removed from the report, then subsequently added back to XXXX XXXX ' credit report. ProCollect has violated the Fair Debt Collection Practices Act and with malice has caused due harm to XXXX XXXX.

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 2017-03-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK
State: TN

Complaint narrative:
TCF bank charged me overdraft fees for over {$500.00} for a nsf of less than {$20.00}. They had never formally notified the customers of this change of fee, either by posting, letters in the mail or advertising. I was not aware of this ridiculous amount until I reviewed my account for the balance. I had written letters to them but never got a response. I had to pay off the fees and close the account to avoid being flagged for future banking business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: IL

Complaint narrative:
the collection agency is GLA collections, i was contact by GLA collection agency about a medical debt what i owed the XXXX hospital, when i called the hospital i was told that i do n't owed them anything.i do remember that i went to a hospital and the bill was paid by a XXXX because i was unemployed and i was gave a form to file out for the debt to be taking care off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation