vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CarFinance Capital LLC, Irvine, CA Branch
State: IL

Complaint narrative:
On Saturday XX/XX/XXXX I traded my XX/XX/XXXX Chevy XXXX in at XXXX XXXX in XXXX, Il for a XX/XX/XXXX Dodge XXXX. I 've talked to several different people at XXXX XXXX at XXXX and I 've told them this at least XXXX times. I asked them to please stop calling me asking for payment on a car that I traded in. I 've had several new cars before, and this is the XXXX time this has ever happened to me. Meaning people are constantly calling me asking for payment on a car that I no longer have. The car is at XXXX XXXX on their lot waiting to be sold. I do n't know how to explain this to these people anymore, but I want them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: GA

Complaint narrative:
Based on information and belief this is not my account. I have requested for verification and validation but to no avail. This ERC continue to double report the same items twice on my files. This company will not respond to my requests.

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 2016-02-16 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: IL

Complaint narrative:
I had opened a cell phone account and all my information was stolen due to my purse getting stolen. I had found out that the cell phone bill had been accessed by someone pretending to be me. They had changed the address on the account and began making insurance claims on the account and also made a PIN so I was unable to access the account. I had filed a police report and went to a store to prove I was the real owner of the account. I had did everything I could as well as provided the name of the purse who stole my things and the creditor still went after me. I had disputed this information on my credit reports last year and everything was removed and then XX/XX/2015 the creditor had added it back onto my credit again.

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 2017-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank charged {$600.00} in interest for a payment that they received on the exact day and charged our interest for 18 months without our knowledge. This was for an escrow correction, so the check was sent in the mail instead of being sent electronically like it usually was. They acknowledge that the check was received on the due date. They never issued a statement in that 18 months and would have continued to defraud us forever without informing us. They did this all despite the fact that there was more than enough money in the account to cover it the entire time. They have refused to remove the charge. The employee we spoke to was XXXX XXXX. We complained to the bank and XXXX from the Office XXXX contacted us, said they would respond within 2 days and never did. We followed up and she actually asked why we were bothering her if we knew they were n't going to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 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: Williams & Fudge, Inc
State: NC

Complaint narrative:
I 've sent a letter to Williams & Fudge explaining that the debt they have reported I owe, I do not. I requested a validation of debt owed, and that information was not provided to me as requested. I also have asked previously through harassing phone calls attempting to collect this debt for validation, and nothing has been sent to me. I have yet to see acceptable proof that this debt is owed. By law, they are required to provide this information within 30 days, that was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I have a Health Savings Account with Wells Fargo. We were told that it is being transferred to XXXX XXXX on XX/XX/XXXX. XXXX XXXX sent a new card and instructions to log in to my account, which I was unable to do. I called both XXXX and Wells and discovered that somehow my account is associated with a completely different birth date. My birthday is XX/XX/XXXX. The birthday they have is XX/XX/XXXX, completely different and not a typo. This is very suspicious. We are trying to go back over the account history to see what has happened. Can you help us verify that this is an innocent mistake and not something more serious. I do n't want my social security number associated with a different birth date.

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 2017-01-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ERC
State: PA

Complaint narrative:
they have been calling me 2 -5 times a week I do not answer because I know what they what.I have told them that I am not working because of health problems & working to get Social Security XXXX for going on years. 
Now they have been calling XXXX year old. 
I know I owe money but right now I ca n't. 
I do n't know what to do.

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 2015-10-02 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
Castlepayday.com charged me 700 % interest without my knowledge on a XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ERC
State: NC

Complaint narrative:
I was looking into charges on my credit report but I do not see Enhanced Recovery Solutions licensed to collect in the state of North Carolina.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I have a contract and billing issue. They loaned me XXXX and electronically debited my savings account for XXXX for XXXX4 months. They than debited my account and twice when they had agreed twice to take out the full amount and my loan would be paid in full.The company continued to debit for an additionally 2 months for XXXX. Instead of the full amount. The contract reads that I can pay off early as long as I let them know ahead of time as stated in their contract. I have blocked my account and paid a {$25.00} fee to the credit union. for the block. I also have an active case with the XXXX in XXXX. I also paid them for at least 4 months XXXX for a {$300.00} loan. Also they call themselves installment loan and payday loan company. They say they are XXXX depending on what day it is. Mine is XXXX but there is only XXXX loan. Also this is the other website XXXX This is the name the original loan company before they became big picture loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 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:
I closed my account with XXXX years ago and I never heard anything about it, now out of no where I find out that some company " Enhanced Recovery Corporation '' is reporting a debt and affecting my credit. 

It is not correct and I will not pay for services I did not receive.

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 2016-05-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TCAR Inc
State: NY

Complaint narrative:
I work part time for an employer named XXXX XXXX XXXX, on XXXX/XXXX/XXXX Tuesday I left my evening part time job as usual parked in the residents parking lot where I live at XXXX XXXX XXXX, and had left my XXXX Mercury Milan vehicle locked as every other night. About mid to late afternoon the next day on XXXX/XXXX/XXXX Wednesday, the time I generally head over to do my regular work hours. I noticed my vehicle was not where I had parked it the previous night on Tuesday, in fact it was no where in the parking lot. I immediately thought of and had concerns of vehicle theft. I went straight back into my apartment and dialed the XXXX help assistants line from my landline telephone. The XXXX operator assisted me in reasoning out my current situation and had taken my name along with the description of the vehicle. In coming up with contact information in helping locate and find where my XXXX Mercury Milan was at, she then announced the company name TCAR Recovery located at XXXX XXXX XXXX XXXX NY and the contact number of XXXX. I proceeded to leave a message since no one answered, then had concerns of my XXXX XXXX XXXX with regards to entitlement to the protections under the UNITED STATES BANKRUPTCY CODE. I currently am under review by my creditor XXXX in my request to file for bankruptcy regarding the subject matter vehicle repossession and any protections in filing bankruptcy may apply to myself. I thank you in allowing me to leave the Consumer Finance Protection Bureau commentary of present as well as any future comment that may pertain to vehicle repossession and myself asking to filing for bankruptcy proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MI

Complaint narrative:
I entered into an agreement with XXXX XXXX to payoff a past due credit card and get a judgement dismissed. What I signed stated I am not responsible for interest, court cost, or any other addition cost. I was to only be responsible for the principal balance of the credit card that was closed. I paid off my entire balance within 1 year. I called to get a paid in full letter and they stated I needed to pay all interest, court cost, etc in order to consider this loan paid in full. My agreement with their legal department was to pay my principal balance only. I believe I was mislead by their representatives into entering into this agreement to pay my balance in full. Which I did pay in full, but now they want additional fees that were not including in my agreement.

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 2015-11-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank : I opted in to recieve overdraft protection from the bank and within a week I called in and opted out of the protection. After opting out They allowed a preauthorized purchase that i did not have enough funds to cover in my checking and took the funds from my savings account to cover it. This wiped out my checking account and XXXX more purchases were allowed also being taken from savings account. i was charged the overdraft protection fee {$6.00}. on the first XXXX, on the last charge they allowed, i was charged an unprotected {$35.00} charge. Though I opted out they allowed the preauthorized charge even though there were insufficient funds. This all takes place in less than a months time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-26 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:
Citizens Bank, and banks in general, when there are overdraft situations, charge from the highest check down. I.E. XXXX went through, and I did n't know it. It was {$30.00}, and I had another item. They took the larger item first which overdrew me {$1.00} and then the lowest item. If they had taken the lowest item first, it would have been only XXXX fee. THIS IS JUST A WAY for them to make money. When you talk to them about it, they say " Do n't you want the highest paid first. '' Well, it really does n't matter because they pay it anyway and just charge you. VERY poor practices, and I ca n't believe it 's allowed! Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-16 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Big Picture Loans, LLC
State: IN

Complaint narrative:
I was in need of money and I decided to get a payday loan, but I made the mistake of doing it online. I got matched with multiple lenders and they called me in the first stage with what they had to offer. I renewed a little later again with them since I almost lost all my money paying it back to them. So, now I am short of money again and I re-borrowed. The interest rates they have and the number of loans are prohibited by the State of Indiana. Also, these loans and their companies are illegal and not licensed in State of Indiana. I talked with XXXX ( XXXX ). They said these are illegal practices. They suggested I close my bank accounts and call out these lenders who get people sucked into traps like this when they can not actually even offer or enforce these based on the State Laws. XXXX suggested that I log a complaint against such institution here at cfpb Companies are listed as below : CastlePayDay - {$1500.00} https : //www.castlepayday.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
I applied for a mortgage refi. They sent a pre-approval letter. i was an afternoon sending them the multitude of documents they require only to get an e-mail saying the loan is denied. One of the reasons for the denial was what they claim was too low a credit score. They use some bargain basement credit company in XXXX XXXX called XXXX. XXXX said my credit score was XXXX, i checked my credit score with XXXX and XXXX and it was XXXX and XXXX. It might have been higher but for the hard lit caused by XXXX. They also claimed my loan to equity ratio was too low, the loan was {$240000.00} and the house is probably worth over {$380000.00} with the improvements. Curiously, they wanted my to grant them access to my bank acct, maybe this is just an elaborate scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 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: NY

Complaint narrative:
This ERC company do n't understand that I already settled this bill with XXXX XXXX XXXX this is unreal I lost so many point over this I should not have no att bill at all the only bill I had with att I already paid off so I do n't get why they keep harassing me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
My payday loan was for {$600.00}. However repaying of this {$600.00} cost a total of {$2500.00} including the repayment of the principal amount. I was not fully aware of the extremely high interest. I thought I could repay the loan off early, however Big Picture Loans does not make the process of repaying your loan off early easy. It is very difficult as they only offer a repayment every 2 week cycle which allows them to earn more interest. I would not do business with them again or recommend them to anyone. Repayment fees are at an unbelievable level

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: ERC
State: FL

Complaint narrative:
I called and asked that they remove the comment on my XXXX Credit report " customer disputes ''. I do not dispute and agree that it is my bill. I was told I 'd have to pay the bill before this was done.

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 2016-04-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ERC
State: MD

Complaint narrative:
I have a friend in Iowa, I met on XXXX. We 've been friends for over XXXX years, I 've been currently dealing with my mother in the hospital and was shocked to receive a message from her stating that she had been receiving a call from " XXXX '' so she finally answered it. The caller said his name was XXXX XXXX and he was looking for me. That I had a debt to take care of and he proceeded to give her his number and reference number and asked to pass on this message. 

From what I gather, this act is completely illegal. We 're not related, I have never put her number down on anything in regards to being my number or personal reference. So I do not understand as to why they were able to call someone that way. 

I called the company this morning and XXXX did n't have much to say about in regarding this matter or why she just said that I put this number down as my point of contact. 

I 've had one number, one. and I 've had my XXXX account opened longer than I 've known my friend. so I assume they were trolling the people I 've sent money too which I 'm assuming is also an illegal tactic.

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 2017-02-01 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: MS

Complaint narrative:
Ihad borrowed XXXX dollars from Big Picture loans, they had sent me a paper that told me how much interest I would be paying for this amount.I was going to have to pay XXXX total for the total payments. They have already taken XXXX dollars out of my account before I knew what I was going to have to pay.This is robbery charging XXXX for a XXXX loan. Ineed to get this issue taken care of, but do n't know what to do.Iwill have to close my checking account until I get this interest rate taken care of I would appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 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: TX

Complaint narrative:
On XXXX XXXX, 2015 I received a collection letter from Enhanced ; for debt that had been deleted from my credit report in XXXX 2015 due to XXXX XXXX failure to provide validation. On XXXX XXXX, 2015 I requested validation of the debt from Enhanced Recovery ; still have not received anything. On XXXX/XXXX/15 I pulled my credit report and discovered that this invalid debt is being reported.

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 is not mine
Company: ERC
State: DC

Complaint narrative:
XXXX has been attempting to collect on a non-existent debt. I have at all times had all outstanding balances paid on all accounts. I have proof of payment for the amount they allege is owed ( attached hereto ). A different collection agency previously tried to collect on this account approximately 1 year afo. I contested the claim, and that stopped contacting me. Now a different collection agency is contacting me to attempt to collect on the same non-existent debt. XXXX has agreed verbally on the phone that I owe no debts, and promised a letter of confirmation which they never sent.

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 2015-11-12 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: ERC
State: ID

Complaint narrative:
In XXXX I started service with a cable company named XXXX XXXX. The account went delinquent with a balance of {$130.00} in XXXX. It was reported to my credit report with XXXX and XXXX XXXX. Recently in XXXX I paid the account off with XXXX XXXX for {$150.00} ( Original account balance + interest ). Now in XXXX of XXXX a XXXX XXXX XXXX XXXX ( who owned this XXXX XXXX Account ) was removed from XXXX, and XXXX XXXX. I originally contact XXXX XXXX after reviewing my credit reports and noticed the amount was still being reported as owed. That ended with the account being removed from both credit bureaus. I am now seeing that a NEW company by the name of ERC ( enhanced recovery collections ) is reporting the SAME account to the XXXX bureau XXXX. This account was never listed on XXXX, but it is now as of XXXX XXXX XXXX. This same company has called me multiple times even after a rep I spoke with, stated she would record my notice for them to stop contacting me. I am currently in my mid XXXX, with XXXX children and have learned from my past experiences that credit is important, I have worked hard at getting multiple accounts paid and removed recently, and this has effected my credit to go right back to where I started. I am attempting to get my credit to place where I can purchase a house. Please help me with this account/ collections.

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