vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-11 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: NC

Complaint narrative:
Amount : $ XXXXThis letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. 
This is the XXXX time that this company had listed a debt in my name and I believe they are playing a fraud game and I wish bring a suit against this corporation. I have previously disputed their entries, yt every 6-7 months, they re-appear attempting to collect money that is not rightfully theirs ; a debt that is not mine. 
Something must be done about this company. The internet is full of stories of this company sending out debt letters to people where the money does not belong to them or their identities have been stolen. 
I need to know how to I file a harassment claim against these unscrupulous collection agents! 
Am I going to be going through this for the rest of my life with this company? 
SOMETHING MUST BE DONE ABOUT THEM!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX, XXXX Fifth Third Bank 's mobile application notified me of a {$420.00} transaction that was NOT made by me. I immediately called the bank as prompted. While waiting 2-5 minutes for a bank representative - another transaction of {$210.00} went through. I was told the bank shut down the card for FRAUD and the representative " XXXX '' assured me there are no OPEN cards on my checking account. Because there are NO OPEN CARDS on my checking account I am blocked from accessing/monitoring my account for further fraudulent activity. I have no access to my money for 5-7 Business days until another NEW card is issued. I can not see MY account online or on the mobile application because Fifth Third Bank does NOT allow access to a checking account without an ACTIVATED card. I was blocked from my money by Fifth Third XX/XX/XXXX for a previous fraud dispute where the bank had issued & allowed multiple cards to remain open without my informed consent & knowledge. The bank response was a ponzi scheme/shell game of " you used the cards we issued to you so you knew the cards were open. '' Even when provided with bank paperwork that stated the 'old card would be deactivated when the enclosed card was activated ' the bank cited numbers and transactions to cloud the real issue of bank deception in our business relationship. I believed in this bank 's integrity until XXXX XXXX. I had been happily a Fifth Third Account Holder since XXXX XXXX. On XXXX XXXX, XXXX I was issued the new chip card by the bank. This was to make my account 'more safe ' ... I make very few transactions. I changed every password. I changed every pin. I have NO FAITH in business dealings with Fifth Third from this day forward. Clearly my account is NOT SAFE and now I am BLOCKED from monitoring my money ... BLOCKED from keeping MY money safe that Fifth Third has NOT repaired whatever BREACH prompted them to issue the XX/XX/XXXX Chip card that I did NOT request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: MT

Complaint narrative:
My mortgage was sold again. The previous lender, Franklin American sent me a annual escrow disclosure statement before transferring to my new lender. I noticed they are missing a deposit to my escrow account in XXXX 2015. I contacted Franklin and they confirmed they received my mortgage payment in XXXX, but did n't know why my escrow account did n't reflect that. I faxed the statement to them last month and they have n't responded. I followed up with my original lender and she thought it looked like a payment was missing also. She sent an inquiry to her Franklin contact and I have not received a reply from anyone at Franklin. I need help recouping my missing escrow payment as they are nonresponsive. Can you help me or direct me to the department that can help me? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 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: MD

Complaint narrative:
I pulled my credit report and discovered a bill from XXXX which was sent to collection, Enhance Recovery Company. The bill was for $ XXXX contacted ERC and we agreed for a settlement of {$190.00} but I was charged for {$210.00}. 

However, they promised to send a settlement in full letter upon payment but what I recieved was not a settlement in full payment because the letter purports that " Please note, that although your account was settled, it will reflect a remaining balance with XXXX. " Clearly, this is not a Settlement in full letter.

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 2016-05-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Global Lending Services LLC
State: FL

Complaint narrative:
I had a loan with Global Lending service that was set up by XXXX. For one year I paid XXXX a month to them and not once were these payments reported to a credit agency. When I went to refinance the car I was informed that Global lending was not federally insured and therefore I would NEVER be able to be refinanced by a reputable lender. I went to XXXX to talk to them and they could not find anything on my credit report regarding Global Lending. I was so distraught about this that when I went to XXXX I was very vulnerable and alone. They knew I was there to get my payment down. When I left there I had a brand new XXXX with a XXXX payment which is too much. I recently had found out my identity was compromised during a background check for a job, my hospital records were among a group of records that were hacked and a satellite internet company had posed as direct TV and took my debit card number. I was pretty shattered at the time and now am stuck with a XXXX payment on a car I did not want. I went through bankruptcy in XXXX to try and pick up the pieces of my life and hopefully get things back together. No positive credit was garnered by my relationship with Global Lending causing my credit to still stink. Is there anything that can be done? Where should I turn? I am completely at a lose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 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:
Today I called ERC, XXXX after I found a new collection for XXXX on my consumer credit reports. As usual they were not helpful but agreed to dispute the trade line and provided me with a complete account number for XXXX. I called XXXX and after more than an hour, found this was not my account, not my address and not my collection. They were not in the mood to help me get this rectified immediately so the wrong information is being reported and a credit collection agency is wrongly reporting incorrect information. I demanded an immediate correction to my credit report and ERC to drop the account. They are now knowingly reporting incorrect information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: MN

Complaint narrative:
They are trying to collect a debt from someone I do n't know. They just keep calling and calling. After several months you would think they would stop calling my number, but nope.

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 2015-09-24 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have been reported as dead

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 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: ME

Complaint narrative:
I get constant calls from ERC ( XXXX ). We owe no debt aside from home mortgage ( which is paid on time ). ERC calls are on a daily or weekly basis.

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 2016-05-15 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: CA

Complaint narrative:
I have talked to the first collection agency XXXX XXXX XXXX about this same debt and I have sent proof and documents that this account does not belong to me and its is not me debt, and they have since remove the account. 
Now I see on my credit report that another collection agency Enhanced Recovery Company or ( ERC ) sent me a notice in the mail on XXXX XXXX 2016 stating that I owe this debt. 
I am sending a letter along with this complaint to the CFPB and the FTC to say that this debt is not my debt and I never authorized any debt from XXXX nor ERC. This letter to ( ERC ) in response to an unauthorized traded on my Credit Reports. Be advised, this is a refusal to pay, because I never authorized or open any trade with your company or the original creditor, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I am starting to notice the deceptive practices that these collection agencies continue to mislead and deceive consumers and how nothing is being do n't to stop it. This is a violation of my rights under the FCRA and needs to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-21 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: OH

Complaint narrative:
Applied and approved for a loan from Big Picture Loans in the amount of {$800.00}. When signing the finance agreement, It only mentioned a single finance charge of {$280.00} which was acceptable which is about 35 % Interest. Through a bate and switch, I discovered that I would have to pay 5 payments of {$280.00} which the lender calls a finance charge which has little to no impact on the principal. The truth in lending that was not present at the time of signing shows a 989 % APR with {$6000.00} in finance charges and a {$6800.00} in total payments. I 've called the lender 5 times to resolve this issue and each time received numerous runarounds and call disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: FL

Complaint narrative:
ENHANCED RECOVERY CO has damage my financial life by reporting falls information to the credit bureaus for an account is not even mine

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: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams & Fudge, Inc
State: UT

Complaint narrative:
I have sent XXXX letters via USPS certified mail at the address listed for the collection agency Williams & Fudge out of South Carolina. The letters detailed my dispute of the debt they were trying to collect in the amount of {$13000.00}. I do not owe this debt and they have failed to provide me with any proof or verification that this debt is mine. They are, however, newly reporting this debt to my credit report. I am unsure if it is reporting with XXXX, but I know it is reporting with XXXX and XXXX. I have just mailed the collection company yet another certified mail letter requesting the debt be removed from my credit because they have failed to verify the debt to me and are in violation of the Fair Credit Reporting Act. I will pursue legal action in small claims court if they choose not to remove this debt which is being reported illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: NE

Complaint narrative:
Received letter for easy loan, thru Big Picture Loans ... did online app and received phone call to verify shortly after. On call they advised me I would pay interest of XXXX on the XXXX dollar loan I was approved for, in which first payment would be on XX/XX/XXXX of XXXX. Now I am told the XXXX payment will be automatically withdrawn every 2 weeks for 58 payments totally almost XXXX!! I was never told of an interest rate being 780 % or I would have NEVER agreed! When I called to discuss the service rep was very rude. I do n't dispute the validity of the loan or the XXXX interest I was told, but no way will I pay 780 % interest on XXXX.

Company response to consumer: Closed with explanation
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: ERC
State: CA

Complaint narrative:
I am unaware when this debt occured. I contacted the company several time and even settled the debt with the XXXX party vendor whow stated it would clear from my account in 30-90days. It has been over a year. After numerous attempts of contacting the company, all I can think is that this is a scam or fraud. I have paid and have requested for it to be removed several times. I would like disclosure of verification of debt still owed.

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 2016-11-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
As a former employee of Citizens Bank for nine years, I am well aware of overdraft issues that consumers have as well as the lawsuits taken against the bank. I am in the midst of closing all XXXX of my accounts with the bank due to the amount of asinine fees charged. I removed all of my funds from my circle gold checking account and transferred to another bank institution. I left a remainder of a few dollars in the account until closure to avoid any overdraft fees. A check was just cashed ( three weeks later ) from my son 's doctors office which in turn made the account negative {$25.00} dollars, our fault. The same day I was charged the {$35.00} overdraft fee so immediately ( same day ) I went to the bank and deposited {$60.00} in the account to cover the issue. Today I checked again to ensure that everything cleared and I noticed three additional charges which include a {$20.00} service charge, a {$30.00} service charge and yet another {$35.00} overdraft fee which now makes my account negative {$85.00} dollars. I should not have been charged yet another {$35.00} overdraft because they continue to take out " service fees ''. My husband called to complain and close the account immediately and they stated that it could not be closed until the account is positive and additional overdraft fees will continue each day that it is negative. The employee was also not able to explain what the {$30.00} service fee was for and insisted that it was an additional overdraft fee, which it was not. I made the account positive yesterday, additional fees should never have been posted in such a manner. I have XXXX young boys that I need to feed and the bank is taking the money I need for them to pay fees that should not have occurred in the first place. I think it is absolutely unacceptable to charge fees in this manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-01 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: PA

Complaint narrative:
Over 10 years our grandson was in XXXX and a fraud caller ask us to accept collect call. The telephone number is no longers in service and was in my husband name. our new number is in my name and we get calls beginning @ XXXX and continuously all day from Enhanced Recovery Company , LLC with whom we do not any contract and never did business with them. I am XXXX years old and diagnosed with several health challenges and this harrassment cause me stress. please help!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-25 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
Needed some extra XXXX money.I applied for a {$200.00} online to Castle payday.They wanted {$100.00} a month for 9 months.I refused to pay {$900.00} for a {$200.00} loan! 5min. later a lady calls me and said why did '' nt you want the loan? I told her I '' m not paying {$900.00} for a {$200.00} loan.She tells me she can cut my payments down 4 payments of $ XXXX.I said okay.What I later found out, she gave me the same deal I did '' nt want.I had to change my bank account so they could '' nt take out anymore money.Castle payday is nothing but a " rob you in plain sight '' company!! Nobody wants to deal with a company that lies to you and robs your bank account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Applied for a mortgage on a property ( no existing mortgage, no other liens ). Property was assessed at {$440000.00}. Loan amount of {$150000.00} denied because " Value or Type of Collateral not Sufficient. '' Dishonest banking practice throughout the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 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: NY

Complaint narrative:
Once XXXX XXXX, 2016, When I received notice that a XXXX XXXX bill was in collections. I immediately called the agency to verify this account. I provide my full name, address, and social security number and the representative was not able to locate an account with the information I provided. She informed to send and email to XXXXXXXXXXXX with a snapshot of the account on my credit report. I also included a validation request to show proof that I owe XXXX XXXX XXXX for the amount of XXXX. I did not get a response to my email and I called once again to be told the same information.

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 2015-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alpha Recovery Corp
State: TX

Complaint narrative:
I received a call on my cell phone by a person who identified herself as XXXX XXXX. XXXX XXXX then read my date of birth and last XXXX of my social security number to me. She did not ask me to verify it. I asked to speak to a supervisor. The supervisor name that I spoke to was XXXX XXXX. The supervisor went on to do the same thing. She provided me with the last XXXX of my social security number and date of birth. I explained to her that this was a violation of my personal rights. She could have provided my information to anyone. Now anyone that answered the phone could be applying for credit under my name. I explained to her repeatedly that to apply for a credit card many companies only ask for your date of birth and the last XXXX of your social security number. The supervisor states that what she had done was completely legal. Giving my information out over the phone is completely ok.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
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 debt from XXXX. Unable to verify debt/ amount. No communication from either company and 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