vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-06 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: Credit Bureau Collection Services, Inc.
State: MD

Complaint narrative:
My original letter to CBCS on XXXX/XXXX/16 acknowledged their your demand for payment in the amount of {$470.00} on behalf of XXXX XXXX XXXX XXXX. 

They provided no information about this account. I demanded " that you provide the following information to me within 14 days, otherwise under the provisions of Public Laws XXXX, also known as the Fair Debt Collection Practices Act, that you and your organization must CEASE & DESIST all attempts to collect any and all debts. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the Maryland XXXX 
Provide details regarding this account : 1. Property address 2. Dates of service 3. Complete payment history 4. How this amount is calculated 5. Proof that this is in fact my personal debt, rather than that of a business entity. This proof must include any and all signed documents by me assuming personal responsibility. " I never received a reply until a letter dated XXXX XXXX, 2016 which is the exact same demand for payment/settlement with no evidence that this is my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: KEYCORP
State: OH

Complaint narrative:
You people at Key Bank are the most ignorant bunch I 've ever dealt with. Use some common sense. Once again, this is in regards to the unauthorized charges from XXXX. See my previous complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 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:
This company has continued to report the referenced collection account on my credit report, while failing to provide me with proper validation that I request from them in mailed correspondence dated XX/XX/2015. This is a flagrant violation of 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 2017-01-17 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: IL

Complaint narrative:
Item 1 ) First, The reason I am filing a Complaint against this Payday Loan Company is for several reasons. The first is that there are laws in the state of Illinois that preclude and exclude allowing interest rates greater than 35 %. The interest rates on this loan is very high and some are well above 600 % to 1800 % regarding this loan. And, this should not be allowed by law. 
Secondly, the rates are staggering and they never check to see if I could afford these loans as there are rules stating that a purchaser should not pay on more than XXXX outstanding payday loans at any one time. And, I have been paying on a total of ( XXXX ) Payday loans for well over 9 months in succession with much difficulty. 
Thirdly, I not only continue to pay these loans with exorbitant rates and fees. But, the huge charges were destroying our ability to live after deducting well over 90 % of my take home income for well over 3 months and I have not paid my mortgage since XX/XX/XXXX and XX/XX/XXXX for both the first and second mortgages and I am in jeopardy of foreclosure as of this date, XX/XX/XXXX. 
Lastly, several Companies did not tell me of their extremely high rates they were and some also withdrew from my bank account even though I asked them to STOP future via EFT Revocation Letters. A Couple withdrew funds directly from my account even after it was Bank closed causing me to incur heavy bank fees per day of even {$50.00} or {$60.00} at certain intervals. This was a very stressful time during months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX causing us to be fragmented and close to homeless situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
We applied for a mortgage from CCO Mortgage XXXX to help my sister purchase a house. The amount approved was not enough so CCO Mortgage did a second mortgage from Charter Bank. We did not know that the XXXX were the same mortgage company. My sister could not afford to pay the mortgages because the interest rates were so high. We had to apply for a modification. After a lot of complications, CCO approved the modification although they charged a lot of interest and did not do anything about the second mortgage to Charter Bank. So, my first complaint is about CCO Mortgage. While this modification application was pending, Charter Bank sent a notice that its second mortgage was in default. They said nothing about a chargeoff. Later, Charter One send us a letter giving us two choices, one to pay 70 % of the balance and they would chargeoff the 30 % and the other to pay {$200.00} per month with no threat of a chargeoff, only that the {$200.00} would continue until payment in full. A copy of is letter is provided. Then, XX/XX/XXXX. I applied for a refinance of my home and was rejected because the credit report showed a chargeoff of the loan from Charter Bank. Charter Bank, now saying they are Citizens Bank, state that they charged off the loan XX/XX/XXXX The bank reported a chargeoff to the credit bureau but did not in fact chargeoff the loan but continued to keep it active charging interest so that the {$200.00} per month was applied solely to interest. A copy of a statement showing the interest charged is enclosed. It is my opinion that CCO Mortgage knew that my sister could not afford the mortgage but financed it anyway and then they created a second mortgage, which was really with the same company, to illegally put more money in their pocket and intentionally create a situation which we could not afford. They should have turned the purchase money mortgage down. Then Citizens Bank, acting as Charter Bank, reported the loan as a chargeoff without notifying us, and without actually charging off the account. The letter, copy enclosed, led us to believe that there would be no chargeoff if we paid the {$200.00} per month, which we paid faithfully. We have contacted Citizens Bank and requested that they reverse the chargeoff. They refuse to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
on XXXX I sign up with XXXX XXXX XXXX XXXX XXXX Al XXXX for assistance in help me with the payday loans.They sent nofication letters to payday loan companys, to provide validation of claim in pursuant of Fair Debt Collection A01 15 USC 1692 Section 809, ref the case XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of XXXX, Mi XXXX was nofity.They did not Validation.Now they are pursing they with a collect agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: WA

Complaint narrative:
I went on line for a Payday loan Castle Payday. They advertised that it would cost {$200.00} to borrow {$600.00} a total of {$800.00}. I paid them a total of {$840.00} within 2 months. They sent me a email that they were going to take out another {$210.00}. I called them and they said that those payments ( XXXX ) were for interest only. That I still owed them {$800.00}. That is CRAZY!!! Please help me, I do n't know what to do, I cant sleep I am so worried.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens One reversed a payment from my loan stating that a check they received from me has been stopped by XXXX. The photo copy of the check they sent me had a different name and was payable to XXXX XXXX. It was a check issued by XXXX to XXXX on behalf of someone else. After further investigation, Citizens One claimed that the check that was sent on my behalf was cashed by XXXX and an error was made by XXXX. I notified XXXX and they replied that a check on my behalf was paid to XXXX XXXX XXXX XXXX on XXXX XXXX, 2015. I was also informed by XXXX that a check can not be cashed by someone who is not the payee. I am wondering how Citizens One knew that it was XXXX XXXX who cashed the check and how it was cashed when my check was payable to Citizens One. Citizens One does not want to give me a credit for the {$250.00} check that I paid them and told me to go to XXXX since they claimed that it was XXXX error and not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 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: MD

Complaint narrative:
XXXX has sent this account to several different debt collectors. I did have XXXX at one point but the service was so bad and the technicians had to come out 6 times. The service was never corrected. Enhanced never sent me a validation request letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I want to call attention to what I consider to be a load of XXXX. Currently, my checking account shows a direct deposit from my employer on XXXX XXXX ( today being XXXX XXXX ). Normally, I would not think anything of this, however it shows that amount as being available now. 

The last time this happened, I took Citizens Bank at their word, and operated under the belief that my money was mine to use. They proceeded to hit me with {$100.00} in overdraft fees - for using money that they told me ( via their website ) was available. Out of the kindness of their collective heart, they refunded {$35.00} when I complained. 

Now I see the same thing happening. However, I 'm smarter this time. I consider this practice to be deceptive and predatory. They 're dangling the carrot out in front of me, waiting for me to take a bite so they can charge me a bunch of fees. How is this even legal? 

As a XXXX Bank customer, I demand an explanation for this wolfish practice. If there is no resolution, my wife and I will be taking our business elsewhere. I attempted to submit this message through XXXX Bank 's secure message site, but it was rejected for " exceeding the limits ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-17 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: VA

Complaint narrative:
I am writing this through the CFPB so there is record of this communication. I am claiming this debt is not one I owe and I will go to court over this appears on my credit, I am already taking the credit agiencies and XXXX companies to court and I doubt my lawyer will turn down adding XXXX more company. There are XXXX reasons I do not owe XXXX XXXX XXXX any money, the first reason is that I withdrew from the college within the time frame allowed to cancel a contract making it void and the second reason is that XXXX XXXX XXXX never informed me that they were closing schools down due to lawsuits and even under investigation for the same degrees they offered at this school. Is it not the duty of an institution like a for profit college when they are closing schools for a degree I was going to attempt. I never received a single bill from XXXX XXXX XXXX notifying me that I owed anything or I would have tried to deal with them but now I am dealing with you since you are representing them. I will have no give in this issue, drop it for the reasons stated or we go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 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: FL

Complaint narrative:
I recently reviewed my Credit Report and observed a collection account was documented on my credit report by Enhanced Recovery Company. I sent Enhanced Recovery Company ( ERC ) a letter requesting a Validation of Debt. They never responded. I called ERC on or about XXXX/XXXX/2016. I spoke to a female representative which was very rude and unprofessional. She did not want to help me and I told her I never want ERC to contact me via by phone or by any other means. Yesterday I received a call from a female Representative from ERC which was also rude and unprofessional. Like the previous Representative she did not want to help to resolve the matter. I have PREVIOUSLY Filed XXXX complaints with CFPB regarding XXXX other Debt Collection Agencies trying to collect the same alleged debt that is not mine ( XXXX ). Each collection Agency claimed that I had an outstanding balance to XXXX and each Agency had a different amount owed. I do n't have XXXX I have a different provider for my cell phone service. The Fair Credit Reporting Act requires ERC to notify me regarding this alleged Debt and they never did. Any claim by ERC that they did previously notify me is without merit. My previous 3 complaints with CFPB case # ( XXXX ) XXXX and # ( XXXX ) XXXX and # ( XXXX ) & XXXX confirmed that this debt is not mine in their response to CFPB. This arbitrary action by ERC is unlawful & unethical causing a defamation of my character and damaging my credit worthiness and credit score. It is obvious that these XXXX Debt Collection Agencies mentioned in this complaint play games and pass the alleged debts to one another in attempt to collect money that is not owed by using scare tactics.

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 2016-12-11 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Williams & Fudge, Inc
State: WA

Complaint narrative:
On XXXX XXXX, 2016 I recieved a notice on my credit report that the Debt Collection Company Williams & Fudge Inc. had posted a collection account on my credit report. I was never notified by phone or mail that I had a collection account with Williams & Fudge Inc. as required by law. Because I was n't notified about this collections account I did not have the opportunity to resolve or verify the accuracy of the account to respond on whether the account belongs to me or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Allied Servicing Corporation
State: CA

Complaint narrative:
I am asking for assistance on a modification or reinstatement. Their is an amount of XXXX due for a note of {$5000.00} an i 'm offering to pay {$5000.00} and commence payments of {$200.00} a month with the intention of paying all past due withing a year with a Refinance. This company is refusing to help stating it to short of the time per Sale Date XX/XX/XXXX even though I have provided all documentation. I have proven the death of my mother and my hardship. 

Please Help!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
I have a long history of dealing with Williams & Fudge. 
They have impersonated police officers & lawyers, and threatened me with arrest. 
As such I have sent them letters - plural - instructing them not to contact me by phone, and filed prior complaints with the FTC regarding these practices. 
Tonight at XXXX I received a call from their office in XXXX XXXX, South Carolina, phone number XXXX. 
When I pointed all of these facts out to their representative XXXX XXXX, she responded that they had never communicated with me before, and then hung up when I asked to speak to her supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 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 2017-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
Enhanced recovery is reporting an account on my credit reports which it said it would deleted ... The account was paid & should have not been placed on my credit ... Enhanced Recovery is aware of the issue & agreed to remove ... I need this removed at once as it impacting my ability to get a loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I recently opened XXXX checking and XXXX savings account with Citizens Bank in Massachusetts. XXXX checking account was for a business and XXXX checking/savings account was for personal use. To open the accounts, I deposited XXXX checks totaling {$22000.00}. XXXX of the checks I deposited was a cashiers check in the amount of {$7500.00}. For whatever reason, Citizens Bank decided not to use the funds from the cashier 's check to open the accounts and used XXXX other personal checks instead. These personal checks, totaling another {$7500.00}, were not honored by the bank they were drawn upon. I spoke with the person that wrote the checks and he confirmed that the monies are definitely in the account and available. He suspected that they may have expired which caused them to bounce. I am now being told by Citizens Bank that they intend to charge me {$40.00} in fees due to these checks bouncing. In addition, they are placing a hold on all of the other checks that were deposited including the cashiers ' check. When I asked why they did n't use the cashiers check first they could n't answer and stated that they have a hold on these funds. Were they to use the cashiers check first, I would not have had any issues and would n't be charged the {$40.00} in fees. I would like to know why the cashiers check was not deposited first, why there is a hold placed on the cashiers check and why I 'm being charged {$40.00} in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 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: FL

Complaint narrative:
We repeatedly receive computerized phone calls from Enhanced Debt Recoveryphone # XXXX even though we have no debts and are on the no-call list.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 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: CA

Complaint narrative:
ERC is a debt collector trying to collect from sprint. Never received any validation from either debt collectors but they are reporting on my credit report negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-28 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
i made the mistake of having XXXX book me a flight/ hotel package with XXXX Airline for a price of {$400.00}. The package was a XXXX XXXX XXXX roundtrip with XXXX nites at the XXXX XXXX. I should have none it was too good to be true. XXXX called me up and bumped me off my flight. They offered to put me on another flight for an additional charge of {$250.00}. Initially I booked it but then i cancelled it because I suddenly realized I was getting XXXX with my pants on. XXXX offered me a XXXX or XXXX XXXX XXXX. I tried to use it for my trip but I could not get booked on the days I wanted to travel. 

I had to rebook with XXXX @ a cost of {$520.00}. XXXX just ruined my favorite holiday, XXXX XXXX XXXX. First XXXX signs you up. Then they bump you. and then they fleece you for the price of another ticket. When you refuse to buy another ticket because you know you are being rooked, they say WE 'RE SORRY ABOUT YOUR EXPERIENCE WITH XXXX AIRLINE. The XXXX they offer is about as worthless as a XXXX dollar bill. You ca n't use it to get where you are going on the dates you need to travel. XXXX Airline is a flying clip joint. This is my first exposure to XXXX and it will be my last. I would not be caught dead on such a scam airline. 

The kicker is that their fine print and legalize traps flyers like a spider traps a fly. once they get you in their orbit they can manipulate you and gouge you for more money, like they did with me. The majority of XXXX passengers will make it to their destination via a spam in a can experience. XXXX knows that they are going to torpedo the plans of a lot of customers like me. They call it collateral damage. But it is part of their game plan and they can live with it. Afterall, it nets them a lot of money. And unfortunately it is all very legal. Legal but unfair and unethical. I would rather French kiss a rattlesnake than ever fly on evil XXXX. Their CEO is a pit viper named XXXX XXXX XXXX. How does he manage to sleep at night?

Company response to consumer: Closed with explanation