vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
This is the fifth time I 've complained to the cfpb about Citizen 's Bank, my loan number XXXX. Nothing has been resolved, corrected or done and they continue to harrass me by telephone ( I filed a cease and desist letter to them via certified mail on XXXX XXXX, 2015 -- it was signed for by " XXXX XXXX '' on XXXX ). This time, they cashed my check on XXXX XXXX, 2015 and it was posted to my bank on that date -- yet I 've received XXXX phone calls on my cell phone XXXX XXXX and XXXX and XXXX at my place of business on XXXX XXXX. Not only did they have my mortgage money, they have ignored the cease and desist letter. I have been written to by XXXX XXXX, of the Office the Chairman -- her direct phone number is XXXX. She never is at her phone, never returns phone calls and sends silly letters out stating that they are " researching the matter within 15 days. '' I would like to know another agency with more strength than yours, for me to contact regarding their harrassment, oversights and just plain ignorance of the federal laws. If you direct me to engage a lawyer, please advise me first of an attorney general, federal or state, that would first listen to my complaint. These calls are causing me intense stress. I have been waiting on the phone now for a " customer service specialist '' from Citizen 's Bank for XXXX minutes and have told them that I am notifying your agency again. They have said at XXXX. XXXX time on XXXX XXXX, 2015 that they are " escalating the call ''. I am asking your agency to intervene and help me before, at my age of XXXX, I suffer XXXX from the stress they are putting me under.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX, I thought I was selling my house on XXXX XXXX and I requested my XXXX installment of my taxes ( Due XXXX XXXX ) be paid early, so I would have less cash to bring to closing as my house is still underwater. Instead, as I found out later, CCO mortgage put a hold on my escrow so the taxes would not be paid. My closing date was changed then finally canceled as the sale fell through. On XXXX XXXX, I spoke to XXXX people at CCO mortgage trying to find out why my taxes were not paid. The XXXX person I spoke to in the tax and escrow department, told me there was a hold on the escrow. The XXXX person in customer service dept. said the hold on the escrow had been canceled on XXXX XXXX. The XXXX person I spoke with in the tax and escrow dept said CCO could not pay the taxes for 15 days ( XXXX XXXX which would have been late ). The last thing I said to her was " forget it, I will pay it online ''. That night I paid my taxes on line, so I would n't be late. Then 5 days later they sent a check, after I was told it would take 15 days. I am extremely angry at that the incompetence of everyone I have spoken to or emailed at CCO mortgage. 1 ) my request for the taxes to be paid early, was ignored. 2 ) instead of paying the taxes early, they put a hold on my escrow against my wishes. 3 ) The XXXX person in the escrow dept and the XXXX person in the customer service dept told me XXXX conflicting statements about the hold on the escrow. 4 ) the XXXX person in the escrow dept told me it was impossible for the taxes to be paid on time, because it would take 15 days to pay it, which was wrong. 5 ) I told the XXXX person in the escrow dept I would pay it on line. Then 5 days later they paid it. 6 ) Now they tell me I have to go get my money back from the county after when their check has n't even cleared yet. I have never in my life dealt with such incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 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: WI

Complaint narrative:
I had a cell phone account with XXXX and after being improperly billed and receiving a monthly bill of around {$800.00} in inaccurate charges I contacted them. They cleared the account balance and I then proceeded to move to another cell phone provider. I found a charge of {$430.00} on my credit report and I can not get anyone to resolve this issue. They told me that because the account is in collections there is nothing that they can do. I had a zero balance when I closed the account from XXXX.

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 2015-08-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I opened a new bank account with Citizens Bank on XXXX. I went to a branch on Saturday XXXX and deposited my check with the teller XXXX. XXXX told me I would have access to the funds on Tuesday XXXX, but woke up this morning to the check being placed on an extended hold. After calling the customer service line I was told to go to the depositing bank and that is what I did. I waiting from XXXX until XXXX for XXXX the branch manger. She told me it is not the responsiblity of the teller to advise me of the 5 business day hold and also that he is new. The responsiblity is the banker who opened my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: IN

Complaint narrative:
I took out a loan with Big Picture Loans on XXXX/XXXX/16, and I did n't realize the full terms, conditions, and most importantly the interest rate! The interest rate on my loan is 830.8277 %! How is it legal to charge me, or anyone this much? There 's no possible way i can fulfill the terms of this loan! I 've made one payment of {$210.00} on the loan already! I filed a compliant with the XXXX, and it did no good! XXXX XXXX Loans is insisting the least they will take is {$810.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AMCOL Systems, Inc.
State: OK

Complaint narrative:
This collection agency never contacted me about this debt. The only way I found out about the debt is when I happened to check my credit report. I tried repeatedly calling this company after finding their information on my credit report, they never answered their phone. They 're recording told me to call back during business hours and I was calling during their business hours. I sent them regular US mail to their PO Box and received no answer or reply. Finally on XXXX/XXXX/2015 I sent them a registered letter asking for information on the debt. As of today 's date XXXX/XXXX/2015 I have received no reply from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I have applied for a loan through XXXX as part of the XXXX upgrade program. Two years in a row, Citizens Bank rejects my application. I have no debt and no issues with credit, and yet I am continued to be rejected by this bank for no legitimate reason and no explanation. I have given the bank XXXX different credit cards, so they can check my credit to no avail. They clearly have written an biased algorithm into their process through which I can not get any pass through.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
On Friday, XXXX/XXXX/XXXX at XXXX XXXX, I received a call on my cell phone from XXXX. A XXXX XXXX representing/working for XXXX XXXX XXXX informed me that her client was Castle Payday Loans ( now Big Picture Loan XXXX ). I owed {$2000.00} account # XXXX. 
I told XXXX XXXX that I would contact her Monday, XXXX/XXXX/XXXX. 
On Monday, XXXX/XXXX/XXXX at XXXX XXXX I contacted Castle Payday Loans ( now Big Picture Loan ) at XXXX. I spoke to a XXXX who could not answer my questions of who my account # XXXX was turned over to, when, and what was the balance due on the account at that time? Mind you now, Castle Payday Loan still had my account on record. 
I spoke to a supervisor XXXX who informed me that my account was turned over ( I suspect sold ) to XXXX XXXX ( XXXX ) on XXXX/XXXX/XXXX. But, she could n't ( I say she would n't ) tell me the balance that was due on the account at that time. 
I left a voice message on XXXX XXXX voicemail on Monday, XXXX/XXXX/XXXX at XXXX AM PST. 
I female representative for XXXX called my cellphone from a Restricted # at XXXX AM PST on Monday, XXXX/XXXX/XXXX. 
She informed me that my account was turned over ( I suspect sold ) to XXXX XXXX Adjusters. She also claimed that she could n't ( I suspect would n't ) tell me balance due on the account at that time. XXXX XXXX only collects and issues/distributes accounts like mine to different collection companies/agencies/what have you. 
I informed XXXX XXXX XXXX who called me on my cell phone today, Tuesday, XXXX/XXXX/XXXX from XXXX of the actions I 'm going to take to protect myself. 
Is n't there some kind of legislation/statue/law against this type of business practice? 
Please, investigate and advise me? I do n't what to be scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
after giving me the run around for a couple of years I was able to get citizens bank to refinance my loan I have had with them for 11 years at 6.74 % they sent me a package with things they would need from me to close loan, XXXX thing was 30 days worth of check stubs.i imformed them that I had XXXX 2016 stubs and I have been on workmans comp since XXXX XXXX, 2016 for an XXXX that I exacerbated working. after i told them that they told me that they would not be able to refinance my mortgage because i was on XXXX i imformed them that me working does not pay the monthly mortgage on house in question. i was told it had to do with debt to income ratio, i imformed them with a refinance that would lower my debt to ratio from paying them {$260.00} a month with a refinance my payment would only be {$120.00} a month. also they doubled up my debts and listed them twice on application as to make it look like i had more debt than i did. they also failed to count income on a house i own outright, as well as having me pay taxes and insurance on houses that they know or should know are escrowed with monthly payments i have on those houses, in essence they had me paying XXXX taxes and XXXX insurances which in turn effected my income to debt ratio. the way i see it they will use any and everything to keep me from paying a lower rate on this mortgage and i think that is very wrong. basically more money in the banks pocket. also they wanted me to pay for appraisal fee out of my own pocket while they pick the appraisal company this seems like they are setting me up for a lowball appraisal that way they can deny me because appraisal came in to low. all houses so far that i have refinanced the appraisal fee was written into loan with other closing cost. i thought turning people down because they are XXXX was against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Alpha Recovery Corp
State: KY

Complaint narrative:
collectcion company calling me multiply times about my debt ..whitch i tryed to explain im un able to work due to disability..they wouldnt let me talk ..they kept trying to get me to sell something to pay my debt..called me a dead beat they dont understand i cant pay if dont have it ..had to sign up on XXXX XXXX ... i have nothing to sell im broke period..but keep telling me i need to pay my debt stop being a deadbeat..tryng to say what i owe an dont owe

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I submitted a mortgage application to the XXXX XXXX branch of Citizens Bank located in XXXX, NY in XX/XX/XXXX. The mortgage broker for Citizens sent me a closing cost estimate and embedded into the estimate a full point without disclosing to me he was doing that. It was clear he did so in order to lower the rate and become more competitive with other lending institutions I was talking to. It turned out that the cost of the discount point was more that the interest I would have saved if I had taken his rate. When I complained to the branch what he had done the branch negated his action as unimportant.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Several months ago I fell behind one payment on my mortgage with CCO. I made a payment arrangement to divide that payment up into 6 payments due at the end of the month, instead of the beginning. For the last 4 months I have been paying as agreed and even paying a late fee monthly for the missing month 's balance, while they continue to report me delinquent to the credit bureaus. On XXXX/XXXX/2015 I found out from my insurance company that due to changes I had made to my policy many months ago, my insurance dropped significantly. The overage had been returned CCO Mortgage months ago. I contacted CCO to verify this, and the told me my escrow account now had a surplus. I am upset because the company refuses to release that money to me so that I can apply it to the my negative balance, and they refuse to apply it to the negative balance themselves. Instead they are requiring me to pay off my balance before they will apply the excess funds in the account to my loan. I believe this is an unfair practice because if I had no balance they would return the money to me. I understand CCO not wanting to release the money to me, but not why they refuse to apply it towards my loan. This is simply a way for them to continue profiting from the late fees they are charging. If they were to apply the surplus to my negative balance, not only would I no longer be delinquent, I would still have a surplus. This is also affecting my credit, as they continue to report me to the credit bureaus as late every month until that one month I was late is paid in full, even though I have been paying my payments as agreed in the payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alpha Recovery Corp
State: OK

Complaint narrative:
On XXXX XXXX 2015 I received a settlement offer letter from XXXX XXXX in regards to my car loan debt. I reached a settlement offer and they emailed me a settlement letter to be paid by XXXX XXXX. I called them on XXXX XXXX, 2015 and paid the full settlement offer with my debit card and it cleared my bank. Then on XXXX XXXX, 2015 I received another email from XXXX XXXX acknowledging that my settlement was paid in full and they would be reporting to the credit bureaus. By XXXX XXXX, 2015 my credit report was hit by XXXX XXXX showing the my debt was " Closed '' and " Paid ''. On XXXX XXXX, 2015 I received a phone call from a third party debt collector named XXXX XXXX XXXX stating that XXXX XXXX sold my debt to them and they were trying to collect my old settled out account. XXXX XXXX XXXX did not show I had made any payment. I forwarded on my settlement offer and paid in full letter I received from XXXX to prove that I had in fact paid and settled out that account a month before they even sold it off. I then called XXXX XXXX to clear this up. The rep with XXXX did show on my account it had been paid and closed in full and they do n't know what happened and why it got sold after the fact. They said they would get it taken care of. Then today, XXXX XXXX, 2015 XXXX XXXX XXXX calls me back trying to collect the debt once again. I explain my situation again and they then acknowledge they received my emailed letters showing I made a payment and that they did try to reach out to XXXX XXXX about my account and they still had not heard back from XXXX I then called XXXX again on XXXX XXXX, 2015 to double check on my account status and to let them know I am still getting calls from their third party company they sold my account to. They advised me again that they were going to get this taken care of and would reach out to the third party collector in regards to my account. They again verified that yes my account was settled and paid in full and this Third Party collector should not be trying to collect from me. I am filling out this complaint because after going through all the legal and proper steps to reach a settlement, pay off settlement, and my credit report being hit for closed and paid status shows how XXXX has not abided under the Fair Debt Collection Practices Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Big Picture Loans, LLC
State: NJ

Complaint narrative:
I took a loan with Big Picture loans. They were supposed to deduct the first payment on XXXX XXXX. I checked and it was not done. I called to ask why and they said they did attempt to deduct it but my bank denied it saying I stopped payment on it. I checked with the bank and no such thing happened. They then said they would deduct starting XXXX XXXX. No deduction and today I get a message again saying that my bank denied it and that I had stopped payment on it. This is totally incorrect. I feel these people are taking me and eventually will tell me I am past due when they are obviously not deducting the monies. I am not going to contact them again this time as they are lying. My bank said no attempt was made by them to deduct monies and there is no record that I stopped payment. They already want to charge me {$30.00} for being late when I am not late it is their fault. These people need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 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: CA

Complaint narrative:
I paid an old XXXX XXXX XXXX debt a year ago and just received a debt collection letter threatening to report me to the credit bureaus. I contacted XXXX XXXX XXXX again and they verified the account was paid, in good standing, and closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-15 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: FL

Complaint narrative:
ENHANCED RECOVERY COL XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX never even herd of them..they are claiming i owe a cable bill I use Free tv and where i am at now the landlord pays the cable bill not to say i have been living in FL since 2014 ... they are on my XXXX and XXXX reports i ca n't get thru any numbers for info to check on this..i am getting nowhere i disputed it and all i get is ... it 's been updated ... .weird

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: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: MN

Complaint narrative:
A company is attempting to collect debt that I do not owe. There is documented proof that I paid all bills on time ( through XXXX XXXX XXXX. They charged my bank account every month after I sent a check in ( I have bank statements to prove this ) under XXXX account number ( with name, address, phone number ), but they would call me every month saying I did not pay and disconnect my internet. I called them multiple times and complained about this issue and they did nothing to fix it. It was discovered that they had XXXX account numbers under my name ( their mistake, as this was the first and only time I used their service ). Because of this mistaken second account, they are sending me to collections. I paid payments as necessary every month. I should not pay any debt, as there is none. I sent this proof to a collection agency last spring and now I 'm being contacted by another agency regarding the same collection. What can I do? Also, will this harm my credit score? If so, XXXX XXXX needs to fix it, as it is their fault, their mistake.

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 2016-05-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: IL

Complaint narrative:
There is n't a topic above that addresses my complaint. 
I have an installment loan from Big Picture Loans. 
They are owned by an XXXX XXXX in Michigan. 
I took out a loan for {$1000.00}. They take {$250.00} out of your b bank every other week. And none of it is applied to interest! 
They 'd make the XXXX blush. 
Do yourself a favor and stay far away from these slimy crooks!!!

Company response to consumer: Closed with explanation