vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP
State: NJ

Complaint narrative:
We traded in our vehicle and contacted the holder of the loan which was Key Bank to cancel an upcoming auto debit payment and all future payments since we were no longer the owner of the mini-van. We did so days in advance and received a cancellation code, and were assured the payment would not go through. We had to take money out of our account for the new vehicle and I had bills to pay the coming week. They still took out the payment, which took my account down so far, that I was unable to buy food for the week, and has made several other bills late. When we called Key bank they gave us the runaround that the person we spoke to was not available and that we have to wait five days for the money to be refunded. This is unacceptable on several levels. We cancelled in enough time and received a cancellation code, and were reassured by a supervisor that it would not come out of our account. My wife and I have spent hours on this between excessive hold times and poor customer service. When we asked for the supervisor 's full name, the girl said that they do not give out full names. When calling we have a right to know the identify of the person we spoke to especially since they make us go through excessive security identifiers. This is very unprofessional and when we told them we need our money back now, it is preventing us from paying our bills, they did not care, and said " we are sorry you feel that way ''. To me, this why the CFPB exists and needs to step in. We need more than our money back at this point. My XXXX was racing when I saw the money come out of our account, and after hearing from my wife that they will not refund the money as quickly as they took it out, that I nearly had to go to XXXX XXXX with a XXXX XXXX. This is an unfair practice under the CFPB. I have suffered financial harm, it was not avoidable since we did our due diligence in cancelling with back up evidence of the cancellation, and this was not for reasons of competition, and the bank does not care what damage this is doing to us, by their attitude when we have called. We need some type of financial restitution, and being a bank, they need to be investigated for their practices. We looked into this bank and they have a number of consumer affairs complaints and get " a single star ''. This should give a glimpse into how good this bank is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I received a check from Citizens Bank in response to a consent order you filed. The the check was made out to XXXX XXXX XXXX which is my business which I closeda few years ago. It was a sole proprietorship and they still show me in their records. They would not cash the check at the bank because the business is closed. They would not reissue a check in my name when I called the number in the letter they sent with the check - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 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: GA

Complaint narrative:
ERC Debt Collection agency is trying to collect on a debt that I no longer owe and they are threaten to place this debt on my credit report and is demanding I make a payment with them and I never establish a contract with this company at all, also they have been calling my work phone number and sending a bill to an address I never live at before. I feel like that is breaking the FCRA law and defaming my character.

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 2015-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BQ & Associates, P.C., L.L.O.
State: NE

Complaint narrative:
On XX/XX/2015 I began receiving " You 're being sued, hire us '' letters in the mail. They said I was being sued by XXXX XXXX XXXX who hired Brumbaugh and Quandahl P.C ( XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX, XXXX ) to sue me for the alleged debt. I was served on XX/XX/2015 by the constable. The summons stated XXXX XXXX XXXX as the creditor and Brumbaugh and Quandahl is the law firm suing on their behalf. The amount of the suit was listed at {$4300.00}. No other information was listed, i.e. original creditor, account information, etc. In doing research on LVNV I discovered they are junk debt buyers and predatory debt collectors. Brumbaugh and Quandahl recently started calling me at home but I have not answered knowing it is them. The calls are after XXXX. I believe both entities are violating my consumer rights. I have sent to complaints to the Nebraska Attorney General and the XXXX as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-04 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Big Picture Loans, LLC
State: MN

Complaint narrative:
loan was pay of but they keep calling me at my job these peoples are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 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: TN

Complaint narrative:
XXXX has put a collection on my credit report that was not mine. I contacted them and had it removed. Now the phone calls have started again for this collection that is not mine.

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 2015-09-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ERC
State: MI

Complaint narrative:
Paid collection through one company, and they sold it again to another company.

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 2016-06-03 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
Unfortunately, I was in a position that I needed to take out a pay day loan. Much to my dismay I took a loan out from a very unethical organization. This company is XXXX XXXX XXXX, It goes and has gone under multiple names, XXXX, and has now changed its name to Big Picture Loans. I took out a {$1400.00} loan with an 647.6971 % APR of and later discovered the " Truth and Lending '' disclosure after the fact. They are under the assumption that they are immune to the guidelines and laws of the Federal Government as they have tribal affiliation. This is simply not true. I literally thought I misread the agreement when they explained after I received the loan of {$1400.00} but the document reads that I received {$1500.00} and if I paid the XXXX payments the total cost would be {$14000.00}. It is unbelievable that a company can get away with literally robbing the consumer. It sheds a bad light on organizations that make themselves available to loan money when you really need it. However when you need money you have to ask yourself ... at what price ... {$1400.00} for {$14000.00}. XXXX. This is a crime and should not be allowed. The hard financial situation is bad enough but that coupled with taking a loan from an organization that is taking more than full advantage of the customer is outrageous and needs to be remedied. In addition they are not licensed in the state of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I just found out that Caine & Weiner, a collections law firm, has reported and opened a collections account on my personal account and it comes up when someone pulls up my credit. I have never asked or received a personal loan from their client, XXXX. That loan was received by a small business and it was a small business loan without collateral or personal guarantee. The company that got the loan went out of business and now, this company is coming after me. I 've never signed a contract and the company was using my signature for loans and other business matters as I was XXXX of the shareholders. This company ca n't post this under my personal account as there is no proof that I signed for that small business loan and it was a small business loan, not personal. This company is using my social security number for wrong purposes and they have to delete this record from my file immediately. I 'm in the process of moving and this has created a big problem for me. It is against the law and they jeopardized my housing opportunity and my job application. I will file law suit against this company if they do n't delete it from my personal record immediately. 
Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: CA

Complaint narrative:
The collection agency never contacted me via phone call or letter stating this debt was outstanding and would be reported to the credit reporting agencies. It is now reporting as an open collection on my XXXX credit report as of XX/XX/2016, Because this company did not contact me within the 30 day reporting rules, thus giving me a chance to respond before it was reported to the credit agencies, causing my credit score to drop my credit score XXXX points which now disqualifies me to get a home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-11-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: MD

Complaint narrative:
I submitted a complaint back in XXXX against XXXX XXXX XXXX who was trying to collect money for a student loan for XXXX XXXX XXXX XXXX in the amount of {$15000.00}. I opened this loan back in XX/XX/XXXX with XXXX XXXX XXXX not with the XXXX XXXX XXXX XXXX. I was paying them through American Education Services ... it was different company at first and then it changed to AES. I had been paying on this loan since XX/XX/XXXX and the loan amount never changed. I never missed a payment or been late on a payment so technically the loan has been paid in full already. I did n't stop paying on the loan until I filed bankruptcy. XXXX XXXX XXXX XXXX never appeared for the bankruptcy hearing to dispute discharging the loan. Now my credit is being hit and I have been sent to second collection XXXX XXXX XXXX XXXX since I reported XXXX XXXX to you bank in XX/XX/XXXX. XXXX XXXX XXXX has called me several times harassing me about paying the loan in the amount of {$16000.00}. The company I originally open the loan with went bankrupt and transferred my loan over. Also they do not have a signed copy of a promissory note by me because of these facts I know they I do not have to repay this loan. I fill as though my rights have been violated and would appreciate if you would assist in the matter again. I recently checked my credit report and the Loan has been closed out since I last reported the issue with you regarding the XXXX XXXX. So I am not sure why XXXX XXXX XXXX is contacting me when the loans has been closed out.

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

Complaint narrative:
I DO N'T KNOW ABOUT THIS DEBT.

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 2016-03-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: LA

Complaint narrative:
This is NOT my debt and i check all XXXX of my credit reports every year and online several times a month also, and yet, i have not received communication from this creditor XXXX or XXXX for {$500.00}, by phone, by mail or on any of my credit reports EVER, but now it has showed up on my credit report on XXXX XXXX, XXXX, when i checked my reports online. I know my ex husband XXXX XXXX had a XXXX cellular account in XXXX and this was on his Credit Report, which he told me about it in XXXX so how & why is it " all of a sudden '' showing up on my credit report, when it has never belonged to me. Who did this & what can be done to Quickly remove it from my report??

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 2016-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: FL

Complaint narrative:
I received an automated telephone call from ERC Debt Collection at XXXX this morning asking me to call another phone number. I pay all of my bills on time and I have an excellent credit rating. I Googled ERC Debt Collection and see there are many complaints of phantom bills that they are trying to collect on. Many stated that ERC reported to the Credit Bureaus false information and they were having a hard time getting the information removed. I am contacting you in advance to try to head them off.

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 2016-09-19 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: IL

Complaint narrative:
LOOK, I JUST GOT ANOTHER XXXX DEBT COLLECTION NOTICE FROM ANOTHER XXXX COMPANY REGARDING XXXX!!!!!!! I AM SICK AND TIRED OF STILL GETTING XXXX DEBTS REGARDING THIS XXXX ACCOUNT!!!!!!! I HAVE EVERY XXXX RIGHT TO BE FRUSTRATED!!!!!! AND I AM NOT GOING TO THE XXXX POLICE AGAIN WITH THIS STUFF EITHER!!!!!!!! I AM HIGHLY XXXX!!!!!!

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 2015-05-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: BQ & Associates, P.C., L.L.O.
State: NE

Complaint narrative:
On XXXX I went to an ATM to get cash from my checking account knowing I had a balance of over {$2000.00} I got XXXX cash and it said my balance was XXXX. I thought it was a mistake so I called my bank XXXX at XXXX and they told me that XXXX XXXX XXXX XXXX had a jugement on my account for over {$1600.00} that was dated XX/XX/XXXX for XXXX XXXX credit card? I currently have XXXX credit cards from XXXX XXXX with perfect account standings.I ran credit reports from your website about 4 months ago that were all good and showed nothing of this what so ever. I certainly do n't recall a judgement in XX/XX/XXXX 12 years ago of this nature. The last couple months I was getting calls on my cell phone with the caller I.D . blocked and when I answered they would rattle of something credit service and ask for personal information address date of birth social security number and a red flag would go off and I was positive it was a scam because they would n't Identify themselves and wanted my information and they would call twice a day and started threating me so I quit answering the calls. After I talked to my bank and they gave me the company name and phone number I called them and they told me that they had an active judgement against me dated XX/XX/XXXX for XXXX XXXX and they were going to contact the courts that I contacted them and they were going to seize my money? I do n't know it this is an actual recovery company but they present themselves like big time scam artists. I also had credit reports ran XXXX when I got a credit card from XXXX 's that was good and showed nothing of this at all. If this company has an active XX/XX/XXXX judgement against me why has n't it ever showed up and if XXXX XXXX had a bad account with me why would they issue me XXXX different cards and have had the cards for a long time with no complaints. I did file a complaint with your website on the class action of XXXX XXXX kept billing me for account protection that I never signed up for and kept billing me for years and would n't stop and I was awarded somewhere in the {$1600.00} dollar range so I wondered if this was that company that kept billing me without my consent? I am not a wealthy man and it is the XXXX of the month and have bills to pay and now no money to pay them. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Big Picture Loans, LLC
State: AL

Complaint narrative:
When I took out the loan with Castle Payday later to be renamed XXXX I was not made aware that the interest was 910.0041 %. I did n't get that information until after I signed. I took out a loan of {$450.00} and was not made aware that the loan was going to cost me in total {$2900.00}. I 've already paid them {$1100.00} and still have until XXXX XXXX, 2016 to pay on it. They still tell mE my payoff is {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 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:
Citizens Bank is not recognizing a court issued document. 
I was provided with a three page document for " Voluntary Administration '' dated, signed by the Register of Probate and stamped with a seal. 
The bank wrongfully insists that the Court will be sending some document, a call to the Probate Department @ XXXX verified no further issue is coming from the Court. 
I do not think it is my responsibility to wait for the folk to learn what they should know to hold the position they have. 
Just want to close the account. have been there four times already.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I was a long time customer of Citizens Bank. I decided to close my account because if the bank 's investment policies in 2011. I 'm glad I did because they have not improved their investing standards -- I stand with others removing funds due to Citizens ongoing support of XXXX. I will work tirelessly to convince others to join me in doing so until your institution ceases investing in XXXX XXXX, XXXX XXXX XXXX, and XXXX. I refuse to be a silent participant in your decision to support the destructive fossil fuel economy in general, and the XXXX ( XXXX ) in particular. The XXXX threatens air and water quality and violates sacred lands of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 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 have not received a letter from them prior to them placing this on my credit report. I was not afforded my right under 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 2015-12-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I opened a XXXX svings/checking account and a line of credit with the Citizens Bank. I was told that there will be no maintenance fee if I had a direct deposit and keep the line of credit open. I always met both of these conditions of the bank. I had a less than {$20000.00} loan in my line of credit account and therefore paid {$50.00} annual fee separately for this reason. The Citizens Bank has charged me {$20.00} per month fee for 8 months. When I complained they reimbursed only {$60.00} for 3 months. However, this maintenance fee is totally bogus as I have always met the bank 's conditions. I have tried to speak with the bank a couple of times. Sent complain online but they do not care to resolve my issue and reimburse my remaining {$100.00}. This is an unscrupulous and deceiving practice of the bank to rip off customers like me and they are not willing to resolve it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-06 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:
HERE GO ANOTHER PLACE THAT I HAVENT GOT A CLUE WHERE IT FROM. I SENT THESE PEOPLE A LETTER TOO BUT THEY PUT IT ON MY REPORT AND KEEP ON CALLING. IT NEEDS TO STOP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-08 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: OK

Complaint narrative:
This debt is 5 years old from date of the last activity with the credit grantor. It is showing current when it is old.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07 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: AL

Complaint narrative:
In XXXX, I turned in all my equipment to XXXX XXXX and paid all balances due ; I was not late nor did I owe and past due billings. I even ask the CSR if there would be any further billing. Two months later I received a {$60.00} bill, I immediately disputed the bill. Six months later it showed up on my credit report. I disputed the bill and it was removed in a timely manner. 
IN XXXX XXXX XXXX turned the bill over to Enhanced Recovery Company of XXXX, FL. I disputed the billing immediately. Instead of investigating or contacting me, they files a collection on my credit bureau reports and that decreased my score substantially. 
I have sent ERC a letter to have the item removed and I have had no success. I need your help with this matter as this is unfair and incorrect and should be removed and finalized and I should not have to deal with this every few years over and over.

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