vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I am trying to sell my townhouse in XXXX, NJ. The buyer is attempting to get a loan and the lender has postponed the closing date because of an issue they ca n't resolve 2 times and are attempting to postpone the closing scheduled for Friday, XXXX XXXX, 2016 ... AGAIN!! That is the 3rd time!!! I believe it is a computer issue, but I ca n't fathom how it takes weeks to correct it. I am filing this complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OK

Complaint narrative:
We applied for a loan with Citizens Bank and received confirmation on XXXX XXXX 2017 at XXXX. We called XXXX to get all the payment details only to find our first payment was due XXXX XXXX. 25 days after finding out our loan was accepted. We then requested to set our payment up on XXXX XXXX each month. This would be auto paid. They told us they can not change the payment date. The rep said the repayment starts 30-45 days after the funds are sent. We are at XXXX so it is n't even following their own rules. The rep then told me to call Citizens to ask them to change the date. I call Citizens and they tell me they ca n't change the date but XXXX must. I ask what the grace period is and the representative says " your loan does n't have a grace period. '' So I call XXXX back and they inform me a supervisor will call in 24-48 hours. I call XXXX back and they tell me again they set up payments in 30-45 days but mine is still set up in 25 days not enough time to get my funding spread out without double paying. We this time just request XXXX XXXX 2017 as the first payment. This request is denied despite being within 30-45 days per the representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: GA

Complaint narrative:
The collection company is falsifying info on my credit report. On XXXX/XXXX/17 they flagged a collection on my credit report as in collection. The status date was listed as XXXX/XXXX/17. On XXXX/XXXX/17 they flagged a collection on my credit report as unpaid, and the status date is listed as XXXX/XXXX/17! They are also reporting to all XXXX credit Bearus under different names, but the same account number, and same balanced owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Big Picture Loans, LLC
State: WA

Complaint narrative:
I had not been informed of the 850 % interest rate on the loan, that I was told there would be a {$120.00} finance charge, not {$1800.00} in total payments, and that I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
I inquired about the loan after receiving a letter in the mailast. I applied for the loan and was approved for {$900.00}, but only took {$550.00}. I was told that I had a small finance charge. I was not able to see the paperwork until after the funds were deposited into my account. I called and actually did not accept or sign anything initially, but funds were deposited. I thought that was how it worked. However, after I received the funds I read the paperwork and that 's when I discovered that over the next two years I will pay {$2400.00} or more for borrowing {$550.00}. I asked about it and was told that if I paid it off early it would be {$750.00}. Which is reasonable, but that was only if I paid it off by the first payment. I have been trying to gethe them to reduce the interest charges, but they will not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: AL

Complaint narrative:
I had no idea that I would get charge so much interest on a {$350.00} loan. I have borrower from Lend up and they dont cost nearly as much as BPL. I have made 2 payment triple the about I borrowed. Please help me! 
I have made over XXXX in intrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Hi, i 'm a costumer of citizen bank 11 years+.Sorry to say that but on all this years the costumer service is terible.Just went today XXXX to my branch at XXXX Ma.I noticed i was being charged {$3.00} fee the last 3 months, went there to find out why? .This costumer representative i was talking too his name ( XXXX ) was so rude.He told me go online and do it yourself, to waive the {$3.00} fee.He gave me no answer 's what that fee was for, and why he could n't helped me to waive it at the branch.I was surprised of his costumer service being 11 years with citizen 's bank, and a valuable costumer.Because of this guy i had to close the account with citizen's.Thanks citizen for this costumer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: TX

Complaint narrative:
Loan that was paid is being drafted by an illegal Tribal Lending Company. Cease & Desist, and needs to stay out of my bank account!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I opened a checking account at Citizens when I turned 18 years of age and received a debit card with the account. I was using my debit card and not realizing Citizens was approving my transactions even when I did n't have any funds on my account. At the time of my account opening I was working and had direct deposit going in so whatever debit transactions I was purchasing whether or not I had money on my account my direct deposit would be able to cover the money owed and overdraft fees. In XXXX 2015, I no longer had direct deposit as I no longer was working. I bought something online for myself and again my debit card was approved but by XXXX XXXX 2015, my account balance was negative ( XXXX ) of which {$310.00} were overdraft fees. The following month I received another statement and my account balance was negative {$1000.00} of which {$780.00} were overdraft fees. My account was not used for the month of XXXX but my balance kept increasing. Three months later my account was sent to Collections called XXXX XXXX XXXX XXXX. I went to see one of the customer service person at Citizens yesterday and they told me my account has been sent to Collections and they could n't do anything about it and it was my fault even though my account was n't used for two month and in the matter of 2 months my account received {$780.00} in fees. The same day which was shocking to me and should be ILLEGAL I found out every 4 days the account is overdrawn Citizens charges XXXX in overdraft fees, monthly maintenance fees and some other fee that I do n't remember. This was too overwhelming for me as a XXXX year old, XXXX from XXXX XXXX this year, that a bank will do this something like this to someone who just start learning about banking products. Out of everything what bothers me the most is at account opening the customer service desk never explained the opt in and opt out ( I still do n't know what that means ) by my new local bank explained that to me in layman terms and I know now. But Citizens just automatically signed me up for allowing my debit card to go through when I did n't have money to cover the charge. I need for CFPB to do something about this illegal business that Citizens is doing to younger people/ students like myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Williams & Fudge, Inc
State: SC

Complaint narrative:
This individual contacted my father, who is in another state, and disclosed that he was collecting a debt to him. I have not lived with my father in over XXXX years. They made ZERO attempt to contact me before calling my XXXX father.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 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: NC

Complaint narrative:
I received a " settlement opportunity '' letter from Enhanced Recovery Company, LLC dated XXXX XXXX. I had already disputed this same debt ( as it is not mine ) in writing last year. They first put the collection on my credit report on XXXX XXXX. They completely ignored my first letter asking them to validate the debt. I asked for proof that it was mine, not just a name and an old account number. They did not send me proof, and instead proceeded to put it on my credit report without further contact with me, and then sent another letter on XX/XX/XXXX. Since they refuse to send me anything other than an invoice asking for payment, I believe they should not be allowed to put anything on my credit report. I monitor my credit very closely and do not appreciate having to spend time writing letters to companies who buy bad paper and hope to threaten me with bad credit in order to get paid. Almost anyone can put something on my credit report these days, without any proof shown to me or the credit bureaus. After several attempts in writing to get some proof, it is still on my credit report. I would like you to step in and help resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09 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 had a balance from XXXX and received a settlement letter. I paid the balance due to settle and now Enhanced Recovery has no documentation of the payment 1 year later and will not remove the balance from my credit report. I have called several times and tried to dispute but no results. I was told by the agency that the debt would be removed and that I will receive a proof of payment. I have not received any thing at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I was told about a promotion Citizen 's Bank was offering that you would receive {$200.00} if you opened a checking account with them and used their bill paying feature online to pay XXXX bills which had to clear by a certain date. I opened my account in XXXX. In late XXXX I called the customer service line to clarify when the XXXX bill payments had to be made by, the representative was n't sure of the promotion so she instructed me to contact the branch in which I did and was told that the bills had to be paid by XXXX XXXX, 2015. All XXXX of my bill payments were made before that date. I was also told that I would have my bonus by XXXX XXXX. On that date, I did not see my bonus credited to my account, I called customer service again in which they told me that the date for the XXXX bill payments was now XXXX XXXX, and that it was posted on a flyer, which I never received because I heard about the promotion from word of mouth and there was also nothing on my paperwork stating that was the date. If they did not put that information in writing how was I to know when the date was besides what the person told me over the phone. Since I called them on XXXX XXXX I have gotten nothing but excuses about why I did not qualify instead of the staff making an effort to understand my situation and see that I should qualify for the bonus based off the information that THEIR employee gave me. I feel like the bank is using this promotion to lure customers in and intentionally finding ways to avoid having to pay out the bonus. It has been a very unpleasant experience and I feel like I was treated as just a number instead of a human. In a time where the economy is struggling it is very disheartening to be told that you will receive something and then not get it after waiting. I still feel that I am owed this bonus but due to the terrible customer service at this institution and dishonest communication on their part I am sure they will continue to find ways to tell me that I did something wrong. I encourage people to not waste their time opening up an account with this institution just to be lied to and given the run around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-14 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: IN

Complaint narrative:
First of all, when I hit the icon " Submit '', I did n't see the fee/interest until afterward. I received only {$400.00} and the payment was on the wrong day on purpose. They took the payment on the second Friday and I get pay three days later of the first week. The worst part of this is 866.8124 % annual percentage rate. If I has seen this, I would have never hit the word " Submit ''. I was so shock I was saw this. What I did saw was {$540.00} to pay back. When they set up the payment date ahead of the beginning of my new biweekly wage, I had a hard paying all {$540.00}. It hit me that they did it on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I have funds automatically withdrawn from another bank account to cover a monthly payment I have with the bank I am submitting the complaint against. Somehow my account became {$50.00} in arrears so I transferred funds from another bank to cover this debit. The long and short of this is that the bank charged me {$65.00} in over draft fees because of this {$50.00} debit that apparently existed for 6 days. I feel this is not only excessive but punitive and violates banking law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-07 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN

Complaint narrative:
I had an issue with a customer service group at the number listed on the back of my credit card. The rep could not resolve my problem, so I asked for a supervisor, which I was given. The supervisor did not resolve my issue. I asked for a manager. She refused to pass me to a manager. She stated she was the highest level of authority I could speak to. I asked for a corporate phone number. That was refused. I was given a physical office address to write and snail mail a complaint to. I contacted directory assistance, and the number listed for that address rings fast busy all day ( on purpose ). I tried the web site. No phone numbers or addresses are listed on the site. I tried their live chat on the site. The representative could only refer me to the original customer service number. I am wondering if my only recourse is to cancel the card. My issue is that despite having had the card with the company for XXXX+ years with an impeccable payment history, each payment over {$500.00} has a XXXX day hold placed on it, despite the method of payment. My payments were EFTs, and therefore immediately transferred. The EFTs are also being held. Based on the customer service reps ' responses, it appears they are doing this to all customers. I understand the bank may be concerned with bad checks and are initiating a hold. However, on customers with clean histories? On customers paying by EFT? On all their customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 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: NY

Complaint narrative:
ENHANCED RECOVERY CO has placed a collection acct on my credit reports that is not mine and they will not validate this acct. 
It needs to be removed at once/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: FL

Complaint narrative:
I did not open a XXXX account back in 2013 like its showing on my credit history. Nor have i had a XXXX account in the past 7 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I have a business account with Citizen 's Bank on XXXX and XXXX XXXX XXXX in XXXX, DE whom I have been banking with for over eight years. Someone stole one of my business checks which they forged for {$5200.00} along with my signature. 
This incident happened in XXXX of 2016 which I have been disputing since then. I have spoke with several different managers and I filed a complaint with BBB. Never once did the bank offer any kind of assistance in this matter. 
The bank 's position was the check was not secured and they will not reimburse me for the money which they allowed to be drawn from my account. I am not happy with their decision, couple with the reasons that the bank has given for not reimbursing me are conflicting in the correspondence that I received. I see this issue as unethical to charge me for something that they should have safe guarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: CA

Complaint narrative:
I switch carriers and could have sworn I paid it off. No letter, phone call nothing let me known this was taken place.

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 2017-03-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I make monthly payments and my balance never decreases. It states $ XXXX goes towards the balance when my payments are $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
On XXXX XXXX, 2015, I took a {$600.00} loan from Castle Payday and agreed to pay a XXXX-time {$150.00} interest on the loan. My XXXX due date was XXXX XXXX, 2015. When I called to pay off my loan I was told that Castle PayDay has withdrawn {$150.00} from my account already, but I was disappointed to learn that I 'll be required to pay an additional {$150.00} plus principal if I do n't pay off my loan on that day. However, the customer service representative I spoke to informed that if I pay off my loan by Wednesday XXXX XXXX, 2015 I 'll not have to pay any interest but just the principal. In fact, she wanted to schedule the one-time off payment but I told her that I will call on Wednesday because I expected the funds will be in the bank by then. 
When I called today XXXX XXXX, 2015 to off the principal ( {$600.00} ), I was told that I have to pay {$750.00} ( {$600.00} plus an additional {$150.00} interest ). I find this interest rate to be too exorbitant ; therefore, I would like CFPB to intervene to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: NC

Complaint narrative:
These people ( ERC ) calls me at all kinds of hours with different phone numbers. At XXXX point I had some guy called me, he had a deep XXXX like accent with and American first and last name. He claimed that I owe a debt but refused to tell me what company or what debt I owe without giving him my social security number. After I told him I refuse to pay a debt without any verification he used profane language with XXXX and threats to sue me and or put me in jail and give me a bad credit report. I believe they are the ones messing up my credit because I am in good standings with my debts. Some are nicer than others but they use the same tactics of trying to force you to give up personal information without verification of debt. I believe that most of them are of XXXX decent and all of them use American names, I do n't know if it 's part of their tactics but I believe it is misleading and illegal. Please stop these people from harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
I took out an installment loan with at the time the company was named castlepayday.com / Red Rock Tribal Red Rock Tribal Lending, LLC d/b/a CastlePayday.com Customer Support support @ CastlePayDay.com XXXX for XXXX $ XX/XX/XXXX. I was unable to pay the first payment and then future payments ceased to go through my account with out a word from them. After a year passes I get a call from a mediator to collect XXXX $ and I attempt to pay the debt with them but they refuse to send me documentation first and say that the company has changed name to big picture loans, I attempted to call them today XXXX XXXX to dispute the matter and they refused to work with me. THis is a predatory lender that never disclosed extra finance charges nor attempted any communication with me to fix the matter. They however took it upon themselves to increase my due payment more than XXXX $ extra dollars. Please help me with this matter and investigate their malpractice.

Company response to consumer: Closed with explanation