vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-15 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 received numerous automated dialer calls from Enhance Recovery XXXX to collect an amount, supposedly from XXXX XXXX XXXX that does not exist. I have contacted them several time by phone and in writing. I have informed them that their claim is fraudulent, actually using those words, and asked them to prove that the debt is valid. I even disputed it through XXXX. They have never shown any proof that this is a valid charge. I have never received a bill in this amount from XXXX and when I had service with them I was on auto payment so I always had a zero balance. XXXX years after I cancelled my service I began to receive calls from them. I will include copies of letters that I have mailed. 

I believe that this company uses frustration and filing false credit information as tactics to secure payment from people for amounts that may not even exist. They rely on the fact that it is just easier to pay than risk being reported to a credit bureau. I have spent many hours on the the phone trying to find out about this debt. ( mostly on hold ) It is simply not ok that predators like this are allowed to bully people into paying amounts that they do not owe. It truly amounts to extortion. 


( I have several other files I can submit )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-29 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: PA

Complaint narrative:
On XXXX XXXX, 2015 I received a notice in the mail from Enhanced Recovery Company , LLC stating that they were collecting a balance of {$710.00} that I owed on a XXXX account. I called this company at XXXX and spoke to XXXX XXXX, who verified my demographic information and social security number. I told her that I never had a XXXX account. She then told me I needed to complete a fraud package which she mailed to me. I went to the police to file a report on this. The PA state police called XXXX and verified that I never had a XXXX account. The Officer informed me that this collection agency is a fraud as the XXXX logo on the paperwork they sent me was counterfeit. I was advised to report this incident to FTC who referred me to this web site.

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 2015-12-17 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I do not know if this is a legit debtor, I received an aggressive call asking me to pay. It appeared legit and thus I paid the attached charges in full

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 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:
XXXX XXXX XXXX bill for XXXX. I did not open a account with this company. On the credit report ( XXXX ) it states that the account was open on XXXX/XXXX/16. This isnt my debt. Enhanced Recovery Corp

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 2015-06-22 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: TX

Complaint narrative:
Hello ; I received a notification from Enhanced Recovery Company LLC for a delinquent account that is not mine. I am disputing the debt however, I undesrtand that ERC does not respond with nonverification of the debt and pursues to have the the debt posted to on one 's credit line.

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 2016-10-26 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: MN

Complaint narrative:
I received a loan from castle pay day loan and supposedly when they went to take the money out of my account it was n't in there when I actually get paid direct deposit. Now they are calling an address and phone number from 20 years ago threatening a lawsuit etc. I have not received any formal letter from this company. If so I would have paid. I also researched them and found out htat they have many many complaints of scamming customers. Please help. They have threatened to send documents etc to my job and everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP
State: UT

Complaint narrative:
What Happened? 

Subject : Key Bank National Association " Key Bank '' extending processing, not evaluating documents properly. XXXX submitted XXXX requesting modification result from Separation settlement. XXXX has noted that a financial hardship does exist as a result of the marriage separation due to the extra cost involved. XXXX has provided all required documents to Key Bank, only to be denied. Key Bank commenced double tracking while homeowner was acting in good faith under the DOJ/ XXXX States Attorney Generals Agreement : the National Mortgage Settlement Agreement. 


Key Bank is discriminating against homeowner claims, in a form of reverse discrimination ; holding the mortgage in extended processing, denying a loan modification while homeowner is qualified. 


This homeowner, feels that her case has been unfairly treated for the following reasons:1. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person. 
2. Currently there is no single point of contact assigned to the pending foreclosure. 
3. I am qualified and able to request the MP2 modification via the National Mortgage Settlement Agreement and the DOJ Department of Justice XXXX States Attorney General 's Settlement Agreement. 
4. Homeowner is eligible under the CFPB Consumer Finance Protect Bureau guidelines : to request a XXXX mortgage principle reduction and or the HELOC forgiven. 
5. Homeowner has a XXXX mortgage and HELOC with Key Bank Account numbers : 1 ) XXXX and 2 ) XXXX. 
6. Key Bank has made a formal demand to start foreclosure proceedings on the Account number : XXXX : dated XXXX XXXX, 2015. 
7. Key Bank has started a double tracking procedure on XXXX XXXX, 2015 while homeowner is trying to work out a solution with in the HAMP guidelines. 
8. Homeowner is in a state of fear created by the collection tactics by Key Bank collection department. 

The Banks ' failure to discharge their required loan modification obligations, during homeowner 's honest attempt to save their home from foreclosure. 

Alleged violations, included, but are not limited to, the following : a ) Failing to perform proper loan modification processing ; b ) Failing to manage processing agents and special points of contacts, therefore causing the processing center unable to handle homeowner 's caseloads, a form of mortgage discrimination against homeowners.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I went to University of XXXX in XXXX, Texas. I applied for a student loan in XX/XX/XXXX to help with my finances for school. As years past, it was time to repay the loan. I paid a few payments due to my financial situation. Now, in XX/XX/XXXX National Collegiate Student Loan Trust XXXX filed a lawsuit against me and my co signer. The loan over 4 year old and I notice the information on my credit report was reported incorrectly. When my court date came I told the plaintiff about it and the court date was rescheduled. I 've called this company before my court date and no response. I disputed the information and it was deleted and returned to the original creditor. I would normally received a notice prior to the court date but that did not happen. This is a pain. Today, I received a outdated letter stating " Final Judgement in favor of Plaintiff ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Big Picture Loans, LLC
State: NC

Complaint narrative:
BigPictureLoans is claiming that I signed an agreement for them to take five payments of {$180.00} before any of payments will be applied to a principal balance of {$520.00} borrowed. I have paid them {$910.00} with a remaining balance of {$700.00}. I called the company to question the terms of the loan and they say that I agreed to these terms. I told them that clearly I did not understand these terms and that I would like to be refunded what I paid over the principal balance and one of the finance charges with my account being closed as paid in full. I was then told by the fifth supervisor in the overseas call center that I can make another payment and they will then close the account. I was told that my call could not be transferred to the home office in the state of Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 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: IL

Complaint narrative:
Enhanced revovery has a claim against me on my credit report. I have only the following information : XXXX # XXXX XXXX XXXX. They are unresponsive.

Company response to consumer: Closed
Consumer complaint received 2016-11-07 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: MI

Complaint narrative:
ERC hounded me for months for account that was n't mine. It was XXXX account that nobody can provide me with any information on! Account number belonged to someone else! XXXX said it was someone elses XXXX account. ERC hounded me {$48.00} and reported me to XXXX! I paid ERC {$62.00} in XX/XX/XXXX they agreed to remove it from my Credit report!! Now XX/XX/XXXX and it 's not removed! Called them again and they say Sorry that I have to wait another 45 days to remove it! It 's been paid for in full plus Since XXXX! This account was n't even mine.Can you please help me? How can they do this? They agreed to remove the whole thing! It was n't my bill! But easier to pay it than try to fight it. HELP!!! Thanks Its ERC out of XXXX Florida.Im a XXXX . This is my reputation on the line I Pay all my bills! and this {$48.00} collection account is ruining more than my Credit! Been fighting this for years and PAID it just to get it Off my Credit report!!! HELP how can they do this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-21 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: AL

Complaint narrative:
I was a fraud victim from someone who opened up a XXXX account with my name and social. I filed a police report and was advised at that time not to send any more personal information to them. The cop went to comcast in person and told them I had submitted proof to him that it was not me. They refuse to take the charge off my account. I contacted them later and they said they could n't do it bc I needed to file a report on the FTC website. So I did. They still wo n't take it off. Now I can not get anyone on the phone with XXXX. They keep giving me the run around and have told me TWICE that the fraud dept. will contact me in 72 hours and they have not. I am not 100 % sure of my rights, but if a cop says that I have already proven my innocence, can they still demand more paperwork? Since when should I obey a XXXX rep over the POLICE? I am to the point of backing down to get it over with. I have my proof of residency ready to email, but I ca n't get anyone to give me an email to send it to. XXXX when I tried to call, they just transferred me to the FTC and hung up. We were both confused as to why we were even on the phone with each other. I do not have a problem with the collection agency because they have removed it twice already with no hesitation. However, XXXX every so often sends it back to the collection agency all over again. I really need help getting XXXX to clear my name. 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 2015-11-09 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:
On XXXX XXXX, 2015 I made an online ACH payment for my student loans. I called the Citizens Bank XXXX online teller system that evening to verify my checking account balance, and discovered that this transaction caused an overdraft of {$47.00}. Early the next morning I made a {$50.00} cash deposit around XXXX The deposit revealed my account balance was now {$2.00}. Later that evening on XXXX XXXX I again verified my checking account balance using the automated teller system. This time I discovered that the Citizen 's Bank XXXX had charged my checking account an overdraft fee of {$35.00}. I then asked to speak with a manager to find out why the bank charged a fee when my checking had a balance of {$2.00} earlier that morning. The manager, whose name is XXXX responded by telling me that the bank could charger a {$35.00} fee whenever they decided to. I do n't feel that I should have been assessed this fee, in addition to additional fees which followed, since the fee itself created an overdraft from the earlier balance. When I received my paycheck that Friday, XXXX XXXX. These amounts had been deducted. I would like to have the fees removed to resolve this issue. In addition, I did not opt to have the overdraft protection offered by Citizens Bank XXXX, so if my account did not have the funds when I attempted to make a student loan payment online, the transaction should not have gone through as payable. 





led the toll free banking

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: NY

Complaint narrative:
Greetings. I am writing because in attempting to settle a cellular phone debt with Enhanced Recovery Corporation and credit card debt with XXXX XXXX, I was told by both debt collectors that they could not provide me with proof of the debt in writing. I am being called constantly to settle the debts however feel that I should not be forced to pay without receiving proof that they own they debts as well as the terms for settling the debts. I 'm just being told to pay up and then it will be reflected on my credit report. I am requesting assistance with this matter. 
Sincerely, XXXX XXXX

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 2016-12-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Allied Servicing Corporation
State: TX

Complaint narrative:
Allied Servicing Corporation, a debt collector, is attempting to foreclose on property that my family has superior interest in. Allied Servicing Corporation has not provided any legal documentation authorizing them to collect on this alleged debt. They have not provided me with any proof of a recorded mortgage assignment authorizing Allied Servicing Corporation to act on behalf of any creditor for this alleged debt. 

At this time, I am formally disputing this alleged debt and requesting Allied Servicing Corporation to provide me with the following documents in accordance with the Fair Debt Collections Practices Act ( FDCPA ) : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this alleged debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 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:
There is a false record on my credit report from ENHANCED RECOVERY CORP stating that I owe XXXX DOLLAR to XXXX. I have never received any letter neither from XXXX nor ENHANCED RECOVERY CORP that I owe them money. In fact, my account with XXXX is current and I have always paid my bills on time. Additionally, XXXX has also verified that I do not owe them any money. Surprisingly, this false record on my credit report indicates that since XX/XX/2016, I have an open account with ENHANCED RECOVERY CORP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
Repeated harrassment phone calls at my place of business on the XXXX day of the month ( mortgage payment due on XXXX to the XXXX -- STATED ON MORTGAGE!!!!! ) -- Just to help stop harrassment, I am mailing payment two days before XXXX -- due to mail -- not there yet -- they are making me lose my temper at my business -- causing stress -- please make them stop calling me immediately.,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ERC
State: CT

Complaint narrative:
Actually never talked to this collector ERC and do not know what the debt is about. I have not heard from one of my creditors that this debt collector is taking over my debt. Called me several mornings between XXXX and XXXX. Tells me to call XXXX and give the number XXXX. I would like a list of debt collectors who are licensed to practice in Connecticut.

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: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: TN

Complaint narrative:
I contacted this company for debt verification on XXXX/XXXX/2015. They acknowledged this in the original complaint I filed against this company and yet here it is XXXX/XXXX/2015 and I have not received any verification of this debt. They are still reporting it to my credit reports and I want it removed. They can not verify the debt and have n't attempted to do so. If they are not going to be held responsible for breaking the rules of the FCRA I will take it further. Original correspondence was case number XXXX, they stated ... On XXXX XXXX, 2015, XXXX XXXX logged into her account using our website www.payerc.com. At that time, XXXX XXXX sent correspondence to our Customer Care Team requesting validation of debt for the referenced account and mentioned that she would also like the item removed from her credit bureau report. 

Per her dispute, our agency updated the account as a disputed item and placed in an investigatory status to prevent further collection efforts from proceeding. Additionally, the account was updated accurately as " Disputed '' with the credit reporting agencies on XXXX XXXX, 2015. 
they have not validated or verified, I want this removed from all XXXX credit bureaus asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: OH

Complaint narrative:
In XX/XX/XXXX XXXX payments of approximately XXXX each were applied to our account in error. I called to make a payment and was advised our mortgage was paid until XX/XX/XXXX. I explained those payments were not ours and an investigation was done. A week later I called back and was advised the payments were correct. I again attempted to make a payment and was told they can not accept a payment that far in advance. This continued for several months. Finally the customer that made the payments contacted Roundpoint and were told we would have to pay they payments and late fees we were given credit for all at once. After several calls we were put on a payment plan and were told to pay {$750.00} per month which I told them we could not afford. The other customers payments were applied to our account because they entered the wrong account number. We do not want to lose our home. We would like this resolved by removing all negative credit marks on my husbands credit, removing all late fees and removing any past due balance on this account. This is under the name XXXX XXXX acct # XXXX Roundpoint mortgage servicing corporation. Phone number XXXX. I am authorized on the account and my name is XXXX XXXX address is XXXX XXXX XXXX, XXXX OH XXXX. Phone number XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
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: Credit Bureau Collection Services, Inc.
State: NJ

Complaint narrative:
I signed up with XXXX XXXX XXXX to handle my electric bill. They Canceled my service I do not know why?. I did not cancel it. Now they have XXXX collection agency after me. The first XXXX is XXXX XXXX XXXX XXXX XXXX XXXX. Account # XXXX XXXX # XXXX and the other company is CBCS ( XXXX XXXX XXXX. Account # XXXX And The CBCS account # XXXX. I paid all my bills and I do not know Why they canceled me. I will not pay for something this.

Company response to consumer: Closed with non-monetary relief