vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I deposited {$26000.00} into USAA bank ( routing XXXX ) at the end of XXXX. A week later they sent a notification that my money was available. I wrote a {$400.00} check to my local utility company. When my debit arrived, I called to activate it, and was told by the CSR that USAA was declining to do business with me. I 've spoken with XXXX reps, who have rudely told me that my money would be returned to me when their investigation was done. What investigation? I have only been informed via marketing and advertising that my money is safe at USAA and to utilize their bill pay program. I 've been locked out of my account online, and they are n't sending me any XXXX mail informing me that they 've frozen my accounts and wo n't return my money until their investigation is done. 
This is all I have in the world. I live on this money. I have rent to pay, a child to feed, until I find work. Please, please help me. They 've been holding my money almost 30 days, they will not give me written verification that they are investigating me, and they have no reason to investigate me. They have basically stolen my money from me. FYI, they also informed me that I would be receiving a bill from them for overdraft fees or some such. How is that possible off a {$400.00} check written from an account with {$6000.00} in it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
Best Egg approved my personal loan for {$32000.00}, but when I saw the high 14.99 % interest rate I did not accept the offer. This rate was only visible to me after approval. They sent me many other offers to try to lure me into accepting the loan, but the rate was too high for me from their advertised 5 % and 6 % rates. 

When they became finally convinced that I was not going to accept the loan, they sent me a letter declining my application citing insufficient income. I had originally applied for {$40000.00} and they approved me for {$32000.00}. 

The rejection lowered my FICO score and affected my ability to get better rate loans. I believe this tactic used by Best Egg is fraudulent, unethical, and vindictive and deserves to be fixed.

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 2017-02-28 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Williams & Fudge, Inc
State: VA

Complaint narrative:
An employee of William and Fudge contacted a friend, that they found viewing my XXXX profile, but said he was found through public records, and asked for my phone number regarding my debt. My friend refused to share my phone number and when I asked why they called my friend, I was told they could not find a way to get into contact with me but yet all my phone numbers and family members are public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 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: CA

Complaint narrative:
I did not receive service as promised by the cell phone provider that ERC is collecting for. I turned in cell phones, and do not owe this balance. I was told my account was going to be cleared to a zero balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-25 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:
I keep getting over XXXX XXXX but they wo n't let me check my account because I 'm supposed to have online bank account but I ca n't sign into it every time I go and try to sign in to tell me I 'm not authorized call do you get the problem solved they give me a new username and password I 'll try to get on and still ca n't. I 'm being charged {$300.00} a month I will draft the I ca n't afford them on a fixed income.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-09 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 respectfully request full investigation and based on the information I have provided I request the Enhanced Recovery Company, LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. Enhanced Recovery Company, LLC needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-03-27 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: MA

Complaint narrative:
Found this debt on my credit report, but have never received any communication regarding it Sent a letter on XXXX requesting validation stating I would also be willing to settle the matter if they could provide proof They received the letter on XXXX, and as of this time they have not provided any documentation at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My home equity line is going to the repayment phase in XXXX, and the payment will go up by over {$1100.00} a month. RBS/Citizens has sent me letters saying seek alternatives if this payment is too much or I 'd have trouble. I did call, and after getting bounced all over was rudely told there were no options for me as the house is now rented to keep it afloat since I could not sell it. They refused to do any workout or modification, but did say I could deed in lieu to them. They sent paperwork for that calling my loan in default when I have never made any sort of default in payment, insurance, taxes etc. I have always made all payments on time. They also called a completely separate loan in default on another property that has an RBS mortgage where I am also not delinquent and never have been and did n't even ask about that loan in my call. They refuse to do any sort of modification at all and tell me my only options are to pay off the loan or pay the {$1100.00} more a month, or deed in lieu the property ( having now told me I am in default when I have made all payments on time ). I want to do a modification to buy more time at a reasonable payment so the bank does n't lose money and I do n't lose the house and maybe the value comes back so I can sell it and get us all out reasonably and with payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
There was a deposit made online for XXXX XXXX dollars posted on XXXX/XXXX/2015.. That day I made transactions and according to the ATM receipts my available balance was positive. According to the information online and my statement it reflects that my account is overdrawn. Also, a document that states I authorized the purchase of paper checks when I did not. The banker who opened the account for me offered a promotion that he spoke about so quickly not giving me enough time to read the agreement and, ( according to NY State law, ) orally made an agreement with me stating that if I made XXXX online transactions I would receive the promotion of XXXX XXXX dollars. After going to the branch speaking to the manager he said that the XXXX XXXX dollars was, " like a loan, '' ( which I did not request or authorize, ) and that all I had to do was pay the bank what was overdrawn in my account. He also said that there was nothing he could do about the promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Lending Services LLC
State: MD

Complaint narrative:
Sent a letter and got no response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Global Lending '' on XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: PA

Complaint narrative:
I receive 6-8 calls a day from different area codes but the same collector to get around the harrasment statutes.

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 2016-02-13 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: NY

Complaint narrative:
Recent monitoring of my credit reports shows an account XXXX listed by enhanced recovery collection agent in the amount of {$1700.00}, from a original creditor, t mobile, i hereby dispute that this account is in error, unverifiable and inaccurate and should not been reported to the my credit reports, i have not receive any correspondence about this debt from XXXX or the collection agency verifying this debt and providing contractual agreement bearing my wet signature and identification. Reporting of inaccurate information from debt collectors to credit report is against the fair credit reporting act and i demand that this issue be addressed immediately, i demand that such report be removed from my credit reports immediately, i also demand verification of debt from the collection agent providing with the contract with the said creditor bearing my wet signature and identification and itemization that amounted to said amount reported on my credit reports, failure to do so will warrant a legal action for defamation of my credit report and unscrupulous means of collecting debt. The items reported to XXXX and any other credit reporting agency should be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14 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: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
A collection agency is reporting that I have an outstanding debt from an apartment community, dating back to 2012. I contacted the collection agent to pay off the debt, but they were asking me to pay more than the amount that was reporting on my credit report. I have asked the collection agency for a detailed itemization of the charges they are trying to collect, because I do not think I owe as much as they are asking for. Unfortunately, they will not provide me with that information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: FL

Complaint narrative:
In XX/XX/XXXX I was made aware by the IRS that there were XXXX years in which I was a victim of identity theft. This person used my information to collect my tax returns for those XXXX years. I am in the process of repairing my finances as a result and just recently began the journey to credit worthiness. 

This account is XXXX of the accounts I did not recognize on my credit report and on XX/XX/XXXX I sent a letter to the XXXX disputing a debt collection activity that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in 30 days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. 

To date I have only received the copy of a bill from this company. In XX/XX/XXXX, I noticed due to lack of their proof they did remove this debt. 

However, on XX/XX/XXXX, I was made aware that a new company, Enhanced Recovery Company had submitted collection activity on my account in the same amount as the unverifiable debt which was previously removed from my report by XXXX. 

To make matters even worse, this company did not notify me nor give me an opportunity to dispute this debt with them, which is a direct violation of my rights under the FCRA. I have tried to reach out to them, but have not received a response and address information provided for them has returned as undeliverable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-03 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:
I had an recent open collection with XXXX. I contacted Enhanced Recovery Company, LLC and told them that I want to pay collection amount in full which was {$160.00}. I provided them my debit card information an authorized to charge me the full amount owed. They provided me reference number as a transaction confirmation and told me that will update all credit report that collection paid. Instead they reported new collection account for XXXX XXXX that is more than 8 years old for amount {$380.00}. 

I never received single phone call nor letter from collector regarding this both collection accounts. I know under The Fair Credit Reporting Act debt collectors must notify in writing about attempt for collecting debt. They are not allowed to report a debt to credit agencies if it is more 4 years.

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 2016-10-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT

Complaint narrative:
On XXXX XXXX, 2016, I submitted a home equity payment to a Charter One Bank Account that had been closed for 15 years. Realizing my mistake, I notified, on XXXX XXXX, Citizens Bank, who had purchased Charter One Bank, but they could not locate the check. I submitted all documentation they requested ( proof of electronic payment made and cashed from my XXXX checking account ). See Attachment. XXXX also issued a case number XXXX and contacted Citizens on my behalf. After hours of conversations with bank personnel, I endured a quagmire of misinformation and constantly found myself back to square one. Finally the check was found on XXXX. I was issued Citizen 's case number XXXX and told the check would be mailed out in three weeks. On XXXX XXXX, I was told the check was sent out and would be received in 3-5 days. The check did not come and after another call a manager, XXXX, told us the check would be sent out XXXX and to allow TWELVE DAYS for delivery. To this date I am not in receipt of any funds. This has been an aggravating and costly ( emotionally and financially ) experience involving either incredible incompetence or out and out lying. The bottom line is that a reputable institution would have immediately returned a check written to a defunct account in the name of a non-existent bank. Citizens Bank has had XXXX dollars for 50 days to this point and has not made a good faith effort to remedy the situation. Again, I have yet to receive reimbursement and all but one phone call was made by me to their institution. I think their shoddy, questionable banking practices warrant investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-23 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: MD

Complaint narrative:
I was contacted by an attorneys office XXXX INC about a debt owed to XXXX University. This debt is not my debt. Also the monies owed were sent to this agency/office that has not provided details of the debt. I deserve details broken down of where this amount is generated from. Debt should be described in detail to the party that owes the debt. Not a one page letter sent showing only the amount in total. This amount could come from anywhere and anyone wanting someone like me to give them money. I am also filing complaints against XXXX University for reporting this information if they did in fact do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 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: ERC
State: TX

Complaint narrative:
Debt was sold several times in attempt to collect. This violates my privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-18 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: NY

Complaint narrative:
At the time a " line was opened '' i was homeless i do have an older brother his XXXX now he had my papers and etc so he opened aline with out me knowing i was sleeping on sofas trains i havw proof of my homelessness.

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 2017-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Collection Specialists
State: IN

Complaint narrative:
A person from collection specialist in XXXX Indiana called my home and spoke to my sister on XXXX/XXXX/17 around XXXX XXXX. The lady told my siste I owed some company {$95.00}. This person called my home number and for XXXX, apparently acting as if she was calling a friend. This person just started telling my sister that I owe some company money without explaining who she was or what company she worked for. After she disclosed what could be my private information to my family member she then stated she was with Collection Specialist of XXXX, Indiana.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-05 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: PA

Complaint narrative:
This company ( ERC XXXX XXXX XXXX, XXXX FL XXXX ) has threatened my credit rating, by assigning this debt to me without any proof, and no prior notice. This is not my debt. This is just an illegal attempt or scam to see if I would pay it.

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 2015-12-24 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: NC

Complaint narrative:
I 'm showing on my credit report that I owe a balance to XXXX XXXX XXXX XXXX, but I never had phone service with this company. I do n't recall them notifying me about this situation. There is also no evidence to prove that I had service with this company. No billing statements or anything.

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 2016-01-06 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: AK

Complaint narrative:
I am getting numerous calls which my phone tells me is from XXXX WA. I get a recorded message that tell me it is about debt collection and it gives me XXXX phone numbers to call : XXXX and XXXX. It tells me to refer to case number XXXX. I know this is fictitious because I have no debts. I have not called the number because I think this is a scam. The incessant calls are annoying. I am supposed to be on the " do not call '' list.

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 2015-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My XXXX was recorded wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief