vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery had the audacity to call XXXX at XXXX after they responded % your bureau and we disputed their response as their name continues to appear on the caller id that appears on screen and they leave no msg/you should have this on record/

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Collection agency Portfolio Recovery repeatedly calls in regards to a debt that is not mine, calling XXXX times a day. The person they 're looking for has the same first and last name as mine but different social security number, etc. I have told them repeatedly that they have the wrong person, to stop calling and they continue to call anyway. 

They call from these numbers:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Call several times a day for years. Told them more than once, the person you are calling has not lived here in 30 years, I ask that they please take my name out of their database. They literally have been calling for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota Financial again has evaded responding to my initial request to provide an explanation for the " outstanding '' balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
First Niagara Bank XXXX XXXX XXXX kept paying incoming bills even though my account had a negative balance. The account had dropped to {$3.00} but I am fighting XXXX XXXX and was too sick to get to the bank. They charged me XXXX {$37.00} NSF fees. I called to explain and a very nice customer service rep credited me the XXXX fees. This was on XX/XX/XXXX. On XX/XX/XXXX, when I looked at my account, XXXX of my bill payments were duplicated. The dates and NSF fees on these accounts were recorded on XX/XX/XXXX. However, they did n't show up when I checked my checking account on XX/XX/XXXX and neither I nor the customer service rep saw these charges on XX/XX/XXXX. I know for a fact that I did not duplicate XXXX bills although the XXXX male reps I 've had to deal with since the XXXX said they checked my XXXX address and that I authorized these XXXX bills on XXXX XXXX. I did n't. The XXXX male rep I talked to forgave XXXX {$37.00} charge and XXXX of the XXXX NSF charge ; however, my balance was still in the negative. I explained that I live on Social Security, that I am fighting XXXX XXXX, and that a look at my banking with First Niagara shows that I do n't duplicate payments and that I do n't bounce checks because I ca n't afford to do so. Now, First Niagara is charging me {$37.00} per day for having a negative balance, even though I explained that my SS check wo n't come in until XX/XX/XXXX and I do n't have the money to cover the charges they put on the account to maintain a negative balance. I asked them to not pay any incoming bill if my account did n't have the funds to cover the charge. The reps told me it was at the bank 's discretion to pay or not. These payments and fees are robbing me of money I can not spare, and have caused me terrible stress. I ca n't prove, but do believe, that a First Niagara employee used my IP address to duplicate XXXX bills so they could reap NSF fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery is continuously reporting a debt that do not belong to me. I have contacted Portfolio requesting them to verify the debt with my signature. Portfolio Recovery refused to provide proper validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The company has been calling me everyday at work and home. All of my debts have been cleared ( paid off ) but this company ca n't seem to get it together. My credit report is free of any collection accounts because I have paid off the accounts I owed. This company is harassing me and when I tell them not to call, they say they will call anyways.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Portfolio Recovery Assets is relentlessly calling my home. My husband has taken all of the calls and has told them to stop calling. The calls have come in the morning and at night, and it appears to be a different person each time. They do not identify themselves, and do not say why they are calling, but I understand from doing online research that PRA is a collection agency. I do not have any outstanding debt, my credit is in good standing, and I do not know why they are calling me, but it has gotten to the point of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
I am contesting the amount owed on our home loan. in XXXX XXXX we had our loan with XXXX. They offered us a modification on the loan to which we accepted. Signed the documents had them notarized and sent back. We began making the modified payments and thought everything was ok. However 5 months later we received a letter from XXXX stating that they denied our modification due to lack of notary seal. They sent back the original document to prove it was n't done. However the document was notarized and signed by the notary before it was sent back to them when the paperwork was due. It was not an ink stamp and was a raised seal. They then had us start all over in the process and refused to enact the already given modification. This went on for years. in XXXX of XXXX we received an intent to foreclose from XXXX and filed for chapter XXXX bankruptcy.They filed a claim stating the amount per month was {$750.00} and the arrears on the loan was $ {$25000.00}. The payments made into the loan during that time never showed either the arrear payments nor the actual monthly payment of {$750.00}. The payments were always a lot larger and the balance never came down. Payments during this tine and before the bankruptcy were credited then removed years later with no reason as to why and no notification that they were removing the payments. For example : The payment made on XXXX/XXXX/XXXX was reversed on XXXX/XXXX/XXXX never credited back and was reversed for a second time on XXXX/XXXX/XXXX. The original payment for the XXXX/XXXX/XXXX payment was n't credited to the account until XXXX. This has shown up on the ledger more than once. No checks bounced no payments returned to us and the balance kept going up up and away. The loan has been transferred twice now since it was with XXXX and we have been attempting to make heads or tails of it since then. When told by our current servicer ( Caliber home loans ) that they didnt have any information on the loan we needed to contact the original servicer we thought something just wasnt right as all of that information should have been sent when the loan was transferred. Caliber had misinformation on the loan as well. They stated the that loan was an adjustable rate mortgage when it is n't. We signed for a fixed rate mortgage. This has been a disaster that is now ending again in foreclosure when it should n't as we are in the beginning stages of a modification with our current servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
I was a customer of the XXXX XXXX program where they submitted payments to the mortgage company on your behalf in an effort to pay off your mortgage earlier. The program worked great until they were sued. XXXX sent me an email letting me know they had been shut down but they already had my funds and they would make my payment. XXXX never made the payment and before I realized they did n't I was reported 30 days late with Caliber Home Loans. I have tried to dispute the charge but they refuse to remove it from my credit report. They said it is my fault I used a XXXX party company. I have filed XXXX disputes with Caliber home Loans and XXXX disputes with all three credit bureaus. Caliber refuses to remove it despite my good payment history in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
during 2014 I purchased some window treatments from XXXX XXXX company and returned the entire purchase. the store employee was new to XXXX XXXX and did not know how to process a return in the store. After nearly 50 minutes at the store cash register she told us that her manager was not working today, but she would process the return for me and she issued via the cash register a return receipt for the amount I was owed. 
Nearly one year later Portfolio Recovery contacted me by phone ask me to pay the XXXX bill for less than {$300.00}. I asked them to send me a copy of the transaction from the store. They sent me in the mail a copy their internal document that simply stated that I owed them less than {$300.00}, but none of the documentation included actual store receipt from XXXX XXXX or an itemized document of purchase. 
Since I have over a XXXX credit score it is highly unlikely that I owe this amount that Portofolio Recovery is calling me every day at least 6 times a day ( I have saved all of the messages from them over the last 6 months ). 
clearly under the new guidelines that the CFPB has established for debt collectors it seems that Portfolio Recovery is in violation of these new Federal Statues. They also simply are not willing to document the debt they are trying to collect from me and if the debt was correct I would pay this small amount. I never received an monthly statement from XXXX XXXX that shows I owe any money to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Representative called on XX/XX/2017 and was going into detail with a third party about an account that they claim is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: WA

Complaint narrative:
We were victims of predatory private student loans that were used for non-school expenses. As a result we were forced to declare bankruptcy. After the bankruptcy Weltman , Weinberg & Reis claims they acquired the covered loans when our lender themselves went bankrupt. We have been paying them per the plan but the file delinquent payment history on our credit report each month. My lawyers have sent them letter but they refuse to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
A portion of my medical bill was sent to the California Business Bureau and I reached out to the company to find around {$80.00} dollars in interest fees were charged to my account. I was seeking to have the policy and/or information containing the companies legal right to charge interest on a medical bill sent to me. The Vice President continued to tell me it was her legal right to charge interest. I again asked her to send the policy to me and she continued to talk over me and she appeared very angry that I was asking for what I believe to be my right. I do not feel I was adequately advised as to why I was being charged additional monies on my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
First adn foremost my account is with Caliber HOme Loans which apparently took over for XXXX. I have been trying for months to get ahold of them, and for some reason they claimed that i put a CEASE and decist order on the account whICH did n't come from me - so for months no communication and DELAY in getting the process started. Secondly, they have misapplied payments as some payments were made from my account, and my husbands account, They refuse to credit the account.. NOW here we are XXXX, my house is set for foreclosure XXXX XXXX, i have fa'xd, emailed, sent everything MULTIPLE times, each time i am missing yet something else, they add something to the list, every rep i talk to tells me something different, XXXX tells me they need XXXX more piece, another XXXX tells me they are missing multiple pieces, even the mail tells me a different story each and every time i get correspondence - MEANWHILE - my husband and I are both working after being unemployed, we are getting back on our feet, and trying to get the bank to help. We even tried a couple of times to make payment. I tried over the phone, and online and they wont accept any $ $ to keep us from getting more behind. It is our assertion, that they are ON purpose making this hard. i cant understand why the process has not started I can not lose my home, i am supposed to be protected under the bankruptcy that we filed a few years ago, i take care of my XXXX parents and my XXXX niece ... i feel that this has been the most stressful process EVER - and im frustrated and scared

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit
State: AL

Complaint narrative:
I am the primary contract holder on an account with VolksWagon Finance Company. The secondary signer filed bankruptcy. This account was not included in the bankruptcy case. VW Finance blocked my access to online payments and stopped sending my monthly statements, eventhough this account is not included in the bankruptcy case and I have not filed for bankruptcy. I have called several times to get a print out of my account. The rep states that account is current, but they are unable to email or mail me a statement. I am referred to a Debt Collection Company. I keep trying to explain that the account is not being paid by a collection company. I have not received any statements of my account from the company. When I call the number that is given for the company, the rep says they will email a statement to the lawyer who handled the case and he will forward it to the client who filed bankruptcy. She has not received anything. When she contacted the lawyer, he stated he would mail it or forward it in an email when he received it, but he never did. I do not understand why I can not get a statement of my payments and balance as a contract holder when I am making payments every month and have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Prospect Mortgage, LLC
State: NJ

Complaint narrative:
As a XXXX XXXX combat veteran ( XXXX ), I am informed by VA that the terms of my VA mortgage entitle me to a refund of the funding fee the mortgage provider received when I took out the loan. Prospect Mortgage was that provider, even though without my knowledge they sold my mortgage to XXXX XXXX six months after I signed it, resulting in other issues with XXXX XXXX Home Mortgage. Now, Prospect Mortgage, despite numerous phone calls and requests for update, as well as an in-person meeting and referrals to VA contacts, has not returned this funding fee to me. This issue is separate from my issue with XXXX XXXX Home Mortgage, about which I have also complained to CFPB as a final resort. I need help with these XXXX companies, which are in my view taking money from veterans in order to further their own gains.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
In XX/XX/XXXX Caliber Home Loans sent a loan modification offer to an unknown address in a different state than I live. Please provide documentation showing who requested the documents to be sent to a different address? The offer was not sent to my address, my representing attorney or to the mediator named in Foreclosure Mediation Notice sent to XXXX / Caliber on XX/XX/XXXX by the State of Washington XXXX. I was n't made aware of the offer until mediation on XX/XX/XXXX after the offer was expired. At mediation Caliber stated they would re-instate the offer once they received a Quit Claim Deed and another completed loss mitigation application. I complied with their requests on XX/XX/XXXX, they were sent several completed applications and the counties recorded Quit Claim Deed on XX/XX/XXXX and multiple times since then per their request. 
They sent me XXXX denials for modification. Why was I eligible for a loan modification in XX/XX/XXXX but am not now? What criteria was used in the determination in XX/XX/XXXX that is different from the criteria used in XXXX & XXXX? Please provide written documentation of the criteria used in the determination in XX/XX/XXXX and again on XX/XX/XXXX. 
At the XXXX mediation XX/XX/XXXX I was told the investor guidelines wo n't allow Caliber to offer a loan modification because I have too much equity in my home and I can afford the payment. Which is true now that my lengthy ( 1 1/2 years ) divorce is over and I have been awarded my home, I can make the payment given the opportunity to do so, but Caliber & their Investor wo n't allow it. 
Why ca n't they put the delinquent amounts on the end of the loan and allow me to pay an additional $ XXXX {$300.00} a month on top of my regular payment to help pay the past due amounts? 
Any question I ask Caliber regarding the modification or denial is always " the investor guidelines do n't allow it ''. What does the investor guidelines allow? It is apparent the investor and/or Caliber has no interest in working with clients, they are not acting in good faith and they do not offer a fair review process as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
We are an attorney 's office who represented a client seeking mortgage assistance. She received a modification trial offer and has made all her payments on time. I have been following up with the lender for over a month for final documents and was told on XXXX XXXX, 2016 that they had no authorization for me ( despite working with me to get the mod ). I sent updated authorization and had to wait for them to apply it to the account. Now they tell me that the final documents went to our old address the day after I called in and was told we had no authorization on file, and the deadline to return the documents was on XXXX XXXX. I told them that the docs were not received, and they will only give me until XXXX XXXX, 2016 to return the documents ( that I STILL have not received ) back to them, or they will pull my client 's modification and make her reapply. I specifically asked for a supervisor 5 times in a 45 minute conversation and was refused XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Hello, I established a refi on my mortgage with Caliber Home Loan in XXXX 2016, with 15 years refi rate lock of 2.75 % which expires on XXXX/XXXX/2016. I received my first loan disclosure on XXXX/XXXX/2016, which indicates a lender credit of {$2100.00} to close this refi before XXXX/XXXX/2016. 
With anticipated refi closing date on XXXX/XXXX/2016, I have supplied all the documents in XXXX and follow-up documents in XXXX 2016. However, Caliber Home Loan 's underwriting process just keep delaying the loan closing date. Aftermath, they did n't schedule a notary to sign the closing documents until XXXX/XXXX/2016. Then they removed the lender credit of {$2100.00} at last minute! Before the final closing date, I still see the {$2100.00} lender credit on loan disclosure dated XXXX XXXX, 2016. Caliber Home Loan have removed this {$2100.00} lender credit on the date I signed my closing documents dated XXXX XXXX, 2016. This is outrageous that Caliber Home Loan removed this lender credit on the date I scheduled to sign the closing documents. Unfortunately, I have to sign amid they keep dragging and delaying the promised closing date. 
My Caliber loan consultant is XXXX XXXX - XXXX, he is awared of this lender credit and delaying underwriting process. 

Please help me. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation