vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-06 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I opened an account at Citizens Bankers several years ago. I have a XXXX and frequently do not read the statements. 

Finally I realized the money was going out too quickly and went to the bank. They found that the money had been withdrawn over a period of months through XXXX to Colorado! 

The XXXX was consulted an did nothing for several months. Then they said they could not take the case. 

Citizens Bank says the money was withdrawn through a XXXX account that I set up. So they are not responsible. Yes I did set up the account a couple of years earlier and I not know that it should be closed. I just sent money to a friend one time! 

I lost about {$40000.00}! it was all withdrawn in {$320.00} dollar increments sometimes many times in one day. Is the bank really not responsible to alert me about any of that when they say that they will protect the money of their depositors? Surely there are violations of banking laws here! 

Apparently no attempt has been made by the police in XXXX to call Colorado to follow up and identify who has been stealing the money. 
There are many more pages of statements if you need all?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: CA

Complaint narrative:
Enhanced Recovery Corporation has harassed me about a debt that appears to be for a month XXXX. I have explained over the phone and by mail that I have never had dealings XXXX ( I am a long time XXXX customer ) and I have never lived at the address or known anybody in the neighborhood where the service was allegedly provided. I thought the matter was settled, but have recently been alerted to negative credit information posted by them to XXXX against me. 

This is either a case of gross incompetence or outright fraud by Enhanced Recovery Corporation ( given the large base of customers XXXX it would be easy to send out mass mailings accusing people of missing a payment and scam money from them ). I think this deserves investigation.

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 2016-08-03 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Big Picture Loans, LLC
State: NJ

Complaint narrative:
Continuous threatening calls at work numerous times a day although I informed him to stop calling my place of work. He uses profanity and attempts to reach other people within my workplace to share my personal business. He leaves voice mail messages and informed me that he has me on a 24 hr. reminder. He informed me that the debt consisted of XXXX companies, but when forwarding the information to me, it only referred to XXXX company for the full amount discussed. I have emailed him on XXXX occasions to dispute/ try and resolve the matter, he has not responded in writing to either XXXX. However, he will call and speak very rudely to me and continue with threatening to seek wage garnishment and alert my coworkers. I hung up on him and he called me right back 10 times consecutively.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX On XXXX 2016 basically forced me to co-sign for an auto loan for a friend. They explained that the co-signer would be responsible if the borrower did not pay the loan. With that understanding I still hesitated to co-sign. Wells Fargo approved the loan application. However, it was approved by putting me as the " primary '' owner of the vehicle. That was not what I signed up for and agreed to. I returned to the dealership and spoke with Financial Manager and explained that I did not want my name as the owner of the car because if any parking tickets or insurance requirements would appear under my name. He assured me that this would not be the case. One month later I received a parking citation for that vehicle and sure enough it had my name on it, secondly Wells Fargo sent me a notice this week advising me that the Insurance had lapsed and the notice was sent to me. I specifically told the dealership and wells fargo that I did not agree to be the primary owner of this car that this was not what I signed up for and I feel that I was duped by the dealership even after I specifically told them that I would co-sign. If the lender Wells Fargo wanted to approve the loan they should communicate this to me because I did not want to be the primary owner of this loan. This is not right especially since I do not drive this car. In my opinion this is another form of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have a line of credit /home equity with Wells Fargo . Back on XXXX XXXX I received a letter that my pmt may change in XX/XX/XXXX. It stated that the est pmt may be {$500.00} and in small print it stated that this was an estimate only and that I should call for a more detail clarification of my new est pmt. I did call on XX/XX/XXXX at XXXX MST and spoke with XXXX XXXX she specifically calculated what my new pmt will be and came up with {$220.00} p/m - I asked her why in the letter it said {$500.00}? she told me not to worry it was only an estimate as the letter stated but my real pmt was going to be {$220.00}. Before my pmt was interst only about $ XXXX p/m but I was sending about XXXX per month so it did not appear to be a fin prob for me. As of XXXX and eevry month since I have paid them {$250.00} on time every month and they suddenly kept increasing my " past due amount another {$250.00} more per month. They increased my pmt to {$500.00} per month. I contacted them and file a dispute with them and asked them to escalate it and correct it as this is not waht I was told by them. I actually talked to XXXX XXXX on XX/XX/XXXX and before I explained the whole situation he also calculated for me the same pmt of {$220.00}. Wells Fargo never took resp of the bad info they provided me ( 2 diff.people ) and they claim that it was a mistake but they will not correct it for me. I have been calling them since and complaining and they wont help me. I just checked my credit score today and it has gone down from XXXX in XXXX to XXXX!! because of the reporting of WF. It is affecting my credit and I ad a very good score. I need help with WF I will attach all of my notes as I have done everything I can with them and they wont help me even though they admit they made a mistake. They want me to do a loan modification which will affect my credit even though I have not done anything wrong and for years I never missed a pmt and always I sent more than the min. I also have in the same house a 1st mortgage with them and I have never been late. The lasy time I spoke with them on XX/XX/XXXX with XXXX XXXX at XXXX x XXXX at XXXX mst I asked her to escalate the issue and she told me that GT at extension XXXX was going to contact me in less than a week - as of now XXXX XXXX I have not heard back from anyone at WF evrytime I try to call its a nightmare to speak with them and I have to explainthe whole thing thing over and over and they just give me the run around. 
please help me

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 2015-10-07 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: CA

Complaint narrative:
I have a credit card fraud few years ago, which is {$550.00} from my XXXX credit card, and the transaction was with XXXX XXXX. Finally the issue was resolved by the bank and XXXX, and the money was refunded. 

On XXXX 2015, I saw in my XXXX credit report, there is a collection from a XXXX party collection company " Enhanced Recovery '', with {$550.00} amount, stating XXXX. I worked with my bank and the collection agency and finally resolved after few weeks painful work. It was finally removed. 

On early XXXX 2015, I noticed the collection is back to my credit report again with a different collection agency " XXXX '', on my XXXX reports. 

It 's been ridiculous, and it 's extremely painful to work with XXXX XXXX and the collection agencies, since I was never a customer of this company, and each time I contact XXXX, customer rep always states I was not a customer, and they do n't have my info. And collection agency always ask me to get info from XXXX XXXX. 

It 's illegal to collect a debt that I do n't owe ( and resolved by bank and debt owner few years ago ), and repeatedly show up in my credit report with different collection agencies.

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 2016-07-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened a One Deposit Checking account online with Citizen Bank ( XXXX. XXXX XXXX XXXX XXXX, RI XXXX ) in XX/XX/XXXX, been doing all my transactions online or using debit card in XXXX XXXX, NY that I reside, received emails from Citizen Bank and downloaded my paperless statements. 
On XXXX/XXXX/XXXX I received a letter dated XXXX/XXXX/XXXX from bank indicating my account is overdrawn {$120.00} urging me to make a deposit. I downloaded my latest XXXX/XXXX/XXXX statement, it show that my account was overdrawn {$2.00} on XXXX/XXXX/XXXX, bank charged {$35.00} overdraft fee on XXXX/XXXX/XXXX, then a {$30.00} sustained overdraft on XXXX/XXXX/XXXX, another {$30.00} sustained overdraft fee on XXXX/XXXX/XXXX and a third {$30.00} overdraft fee as was implied in XXXX/XXXX/XXXX letter or charging me {$120.00} for overdrafts between XXXX/XXXX/XXXX to XXXX/XXXX/XXXX without letting me know by phone or email that my account was overdrawn $ XXXX.I called the number on the letter and was told that bank had sent me another letter on XXXX/XXXX/XXXX, when asked why not a phone or email message, I was told bank sent the letter. All my other banks alert quickly such matters, later on XXXX/XXXX/XXXX I received an automated message from Citizen Bank urging me to call them, this imply that besides my email they did have my phone number.I did and told them that I already talked to their rep. 
Citizen Bank had my phone and email on file, made no attempt to inform me of the {$2.00} overdrawn amount and charged me {$120.00} overdraft fees, when I called them on XXXX/XXXX/XXXX I was also told that my account is eligible for one time overdraft so the initial {$35.00} fee no longer apply and I just have to XXXX {$90.00} for three times {$30.00} sustained overdrafts. This also imply that if the bank had informed me of the {$2.00} overdraft right away, I did not have to pay any overdraft fine, but the bank did not call or email and kept charging {$30.00} fine over and over, I only have their word that a letter was issued on XXXX/XXXX/XXXX. The only letter I received is dated XXXX/XXXX/XXXX and arrived on XXXX/XXXX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-02 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: FL

Complaint narrative:
Its the third time i get new collection for same accounts. After crefit bureau erase and promise after 2 time i went thru this they could not re sale same debth. I was victim of identity defth. The agency when receive this collection should look at your records and stop of this from happening,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: MN

Complaint narrative:
My parents have been receiving phone calls on an almost daily basis from ERC, Enhanced Recovery Company. My mom was given a reference number and a number so that I could contact them. When I called it was brought to my attention that XXXX had requested they start a collection process from me. I contacted XXXX only to find out that there were multiple accounts opened under my name, which have since been closed. Never have I opened or used a XXXX account. They were made aware of this, but somewhere between XXXX and ERC the communication was lost.

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 2015-07-06 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:
XXXX XXXX charged me a bill I did not owe. They also put XXXX separate charges but XXXX separate collection agencies on my credit report. After a few disputes XXXX was deleted. However the other remained. Both XXXX and the collection agency Enhanced Recovery keep passing the buck saying I owe this charge. Most recently I just received a noticed addressed to a former resident of my address with the same XXXX charge info. I had no knowledge of the prior resident I just happened to open the wet letter to see what it was in my mailbox.

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 2016-10-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Big Picture Loans, LLC
State: AL

Complaint narrative:
I took out a {$500.00} online loan from Big Picture Loans. I was under the impression that it would be a {$150.00} finance fee. It was n't until after the funds were disbursed that I was made aware of the Truth in Lending Disclosures and that the finance charges were actually XXXX with an 542.4636 % annual percentage rate. I am now stuck paying over {$2000.00} for a {$500.00} loan

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
In both my business and checking account, the bank processes are to re-arrange items in your account which result in you account going negative so that can charge excessive fees. In reference to the business account I was charge over XXXX in fees for a XXXX transaction that should have cleared because the funds were there. After speaking with several bank personel, not one was able to understand why the account was over drawn. They did reverse XXXX of the fees but stated I had to pay the rest. I am seeing this same kind of fishyness with the personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05 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: FL

Complaint narrative:
Enhanced recovery placed old debt on file. debt is 7 years old and no money is owed to company they are collecting for. military orders were sent to have service disconnected and all equipment was sent back in the boxes they provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-01 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: MN

Complaint narrative:
We have received an email from Castle payday threatening us with VIOLATION OF FEDERAL BANKING REGULATION, COLLATERAL CHECK FRAUD and THEFT BY DECEPTION for a supposed loan of {$400.00} - no date of the loan is given. They claim we owe {$1200.00} due to the 469.29 % interest they charge. We DID take out a payday loan back in XXXX 2012 for {$700.00}. It took us almost a year but we paid it off and have the final payment email to prove it. It was the worst thing we could 've ever done because they rob you blind in interest charges. Obviously, they continue to try and rip you off by making threats of " we reserve the right to begin litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. '' No phone # is given to call them ; only to email them right away if you want to make a payment and stop these legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 2015-09-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I got the loan in XXXX XXXX for an emergency home repair. When I went to set up an account online to pay in XXXX, it was VERY user-unfriendly, and I ended up having to call their customer service, and was on the phone for quite some time. I thought I had gotten it all straightened out for this month, but I also had a lot of problems this month, and was unable to access my account. Consequently, I was locked out from paying the monthly installment. When I called Customer Service again to remedy the problem, I found out I was late paying ( how would I know? I was n't able to access my account! ) and assessed a {$26.00} late fee on a {$40.00} payment. The woman was very discourteous, and insisted it was not the problem of Wells Fargo, stating she was unable to remove the late fee. I explained that it was the problem of Wells Fargo, since I was n't able to access my account. She kept repeating " not Wells Fargo 's fault, '' so I asked to speak with her supervisor. I was on terminal hold, and ended up hanging up after about 12 minutes of waiting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union froze my accounts due to a late payments. They would make me call them to unfreeze my own account with my own money even if it was a day late. They also withdrew money from my savings account without consent for any overdraft in my checking account. Also when a company tries to withdraw money and there are insufficient funds, navy federal charges XXXX dollars and they do not even bother to charge you. They did that about 3 times for XXXX dollars each time. I do not understand this, I am in the military and having to deal with my account not working while I 'm trying to buy food or personal thing, because it is my money, is absurd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo opened a checking account in my name without my knowledge.

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 2016-07-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My bank -- Wells Fargo Bank -- keeps charging me a {$35.00} " Overdraft fee '' over and over again, in rapid succession. This fee almost makes it impossible for me to build up any sort of positive balance in my checking account. For example, the bank charged me XXXX {$35.00} overdraft fees on XXXX XXXX, then on XXXX XXXX the bank charged me a {$35.00} overdraft fee and a {$35.00} " insufficient funds '' fee. Then today, XXXX XXXX, 2016, Wells Fargo again charged me XXXX {$35.00} overdraft fees, and the amounts I charged to my credit card were only {$5.00} ( for a breakfast croissant and a cup of coffee ) and {$2.00} ( for a box of doughnut holes ). So, as a result, my breakfast on XXXX XXXX ended up costing me {$40.00}, and the box of doughnut holes cost me {$37.00}! I monitor my accounts with Wells Fargo very, very closely, and I do my utmost to always keep a positive balance in this account. But sometimes my incoming checks just do n't arrive quite as quickly as my bills do ( or my desire to eat ). I once spoke with a banker in my local branch, and he seemed to want to help me, but his superiors at Wells Fargo would not allow him to do more than reduce XXXX or XXXX overdraft fees by half ( to {$17.00}, rather than {$35.00} ). I want these XXXX Overdraft fees to be taken off.

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 2015-03-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
OVER THE PAST 2 YEARS I HAVE TRIED TO GET ASSISTANCE ON MY MORTAGE. WELLS FARGO HAS NOT BEEN HELPFUL WHEN TRYING TO SEEK HELP AND I WOULD LIKE TO SEE IF ANY OUTSIDE PROGRAMS CAN ASSIST IN GETTING MY MORTGAGE PAYMENT LOWERED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The vehicle loan is being paid on time as agreed.

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