vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: OR

Complaint narrative:
The current holder of my mortgage, a hedge fund, bought the loan from XXXX in an auction two years ago, no doubt at a substantial discount ( although I ca n't find out what they paid ). The servicer, in moving to foreclose, was required to go through Mediation by Oregon Law. In this process we applied for a mortgage modification to allow us to stay in our home. First HAMP was denied ( see attached for reasons- they gave us no information about how they arrived at not being able to fit a modification into the XXXX-XXXX % DTI ). Then we were denied for an in-house modification for the reason that the LTV was less than 70 %. This calculation is only based on the original loan balance and a drive-by BPO ( of which there were XXXX that varied by XXXX % in their valuation ). The holder of the loan is unwilling to consider the back interest and tax/insurance escrow owed in the basis of their calculation. If they did, the LTV would be between XXXX- XXXX %, depending on which BPO was used, well within their " standards ''. Their method seems a logical fallacy. Either the additional debt owed to them should increase the base loan or reduce the value of the home, because the net result is they we have less equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Green Tree Servicing LLC recently acquired my mortgage. On the date of transfer, XXXX XXXX, I had not received a mortgage statement, or instructions on how to make a payment. After speaking with a representative, Green Tree insisted that I pay a {$12.00} fee for making a payment over the phone or through their website. My previous mortgage company XXXX Bank allowed automatic payments through their website for free. 

Green Tree was unprepared to collect payment as of the loan transfer date. Green Tree has made no effort to contact me in regards to how to make payments. The only correspondence I have received in this matter is from my previous servicer. I have wasted 2 hours dealing with them today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
XXXX, NJ XXXX XXXX XXXX, 2016 Caliber Home Loans XXXX, OK XXXX Account Number : XXXX RE : Request for Payoff Statement TO WHOM IT MAY CONCERN : We are writing to request Caliber Home Loans provide us with a Payoff Statement pursuant to 12 CFR 1026.36 ( c ) ( 3 ). For the record, we continue to dispute the validity of the alleged debt. 

" PAYOFF STATEMENTS. In connection with a consumer credit transaction secured by a consumer 's dwelling, a creditor, assignee or servicer, as applicable, must provide an accurate statement of the total outstanding balance that would be required to pay the consumer 's obligation in full as of a specified date. The statement shall be sent within a reasonable time, but in no case more than seven business days, after receiving a written request from the consumer or any person acting on behalf of the consumer. '' Thank you. 
Sincerely, XXXX Cc : Consumer Financial Protection Bureau ; NJ Superior Court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I am a XXXX XXXX member and I received a very good offer from their credit card company, called Comenity Capital Bank ( XXXX ), on balance transfers. The offer was XXXX % XXXX till XX/XX/XXXX with XXXX % of transfer fee. I took the offer in the end of XX/XX/XXXX and on XX/XX/XXXX the balance transfer was completed and new balance appeared on my credit card account, as expected. Now, XXXX month later, I got a bill on the new balance, and the original credit card company, which is XXXX ( XXXX ), also billed me on the same balance. It turned out the balance transfer, physically, never happened, it happened only on paper, and XXXX told me that nobody paid off my balance. In such case, who gave the right to XXXX to charge me with the new balance and transfer fee, if their check was never cleared or received by XXXX? Actually I do not believe XXXX sent such check at all, and they never gave me any proof of such transaction per my request. I have all copies of the messages between myself and XXXX, which will give you more details about the issue and my failed attempts to resolve it. I 'd suggest you to request those copies from me, because they are helpful for better understanding of this problem. I can also enclose last statements from both XXXX and XXXX where you can see account transactions. XXXX did wrong charging me if the related funds were never moved from their account. Additionally they committed another fraudulent activity charging me with the interest though I paid off my previous balance with them. I can prove everything I have stated here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I made application via my mortgage broker for a Real Estate Secured Loan with US Bank Home Mortgage. 
1. US Bank issued a Loan Estimate on XX/XX/XXXX - 15 year@3.875 ( rate not locked ), contingent on customer-supplied documentation within 10 days. 
The required information was provided by myself and my broker within the specified time limit. 
2. US Bank required more information / documentation XX/XX/XXXX. 
The extra required information was provided by myself and my broker within the specified time limit. 
3. US Bank issued another Loan Estimate on XX/XX/XXXX - 15 year@3.875 ( rate not locked ), contingent on customer-supplied documentation within 10 days. 
Some of the items on their list had already been supplied, however everything on the list was submitted or resubmitted by myself or my broker within time limits. 
4. US Bank issued a definitive Loan Estimate XX/XX/XXXX - 15 year@3.875 ( rate locked ). They required NO further information at that time. 
5. 0n XX/XX/XXXX, my mortgage broker notified me that US Bank was backing off on its contracted offer. 
a. He believes that the bank determined it to be high cost due to their own guaranteed rate lock. 
b. Furthermore, he received a list of several more unusual documents and forms that the bank was now demanding. 
c. He asked to file for an extension on the rate lock, but the bank refused. 
6. At this point there are some inappropriate legal issues that US Bank seems to be ignoring in the interest of profits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Two unscrupulous representative harassed my husband and informed him about my delinquent debt and all detailed information about my account in order to obtain a payment. I have never provided his telephone number nor authorized anybody to share information with him. 
The creditor is Comenity Bank, phone # XXXX the two debt collectors names : XXXX at ext # XXXX and XXXX at ext # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
We refianced our home mortgage in 2015, and the loan was sold Caliber Home Loans in XXXX, TX ( XXXX # XXXX ) for servicing. in XXXX, Caliber informed us there was insufficient money in our Escrow account to keep the monthly payment the same, and listed the new payment amount. They also included a smaller monthly payment amount if we sent them approx. {$300.00}. 
We wanted to keep the payments for our loan from increasing, so we sent the {$300.00} amount, PLUS the difference of the monthly increase XXXX. 
They returned the difference. I sent another check for them to keep our monthly loan payments the same, and they AGAIN returned the money, saying, by law, they had to return anything more than {$50.00} that was required by Escrow calculations. I explained that I did n't want them to add it to Escrow, but to keep the payments as they had been in 2015. 
They said they are unable to keep the payments fixed, even though I twice sent them monies which would do that very thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alorica Inc.
State: FL

Complaint narrative:
Upon review of my credit report I discovered West Asset Management, XXXX XXXX Account # XXXX ). This is a paid collection account. I work on the pipeline so I am away for months at a time. XXXX is no where on my credit file and then one day I check my credit and a Collection account is reporting. I NEVER received any notice of this debt. I am requesting for this account to be removed from all credit agencies. I paid this debt as soon as I was made aware of such debt. I was NOT given any notice. I am requesting if there was such notice given all documentation to be provided. 

Without such, I will consider this matter satisfied by fully deleting the account. 

I really appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
Speedcash is still trying to get more money from me and I paid them all of there money. I do n't know what to do do they will leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) made an overdraft from my checking account for my XXXX mortgage paymentin the amount of $ XXXX requested the overdraft amount of $ XXXXto be placed back into my checking account.Thisscenariocould have been easilyresolved were it not for theexistingXXXX governingletters, rules, policies andregulations. 

XXXX statement for XX/XX/2016mortgage paymentfrom XXXXstatement stated my mortgagepayment for XX/XX/2016was $ XXXX budgeted for this amount from my XX/XX/XXXX checking account.XXXX posted myMortgagePayment due on XX/XX/2016to my checking account on XXXX XXXX, 2016 for $ XXXXand theamount was paid by my bank toXXXXon XXXXwas {$840.00}. 

The amount of {$840.00} was posted as pendingto my checkingaccount on XXXX XXXX, 2016. I began calling andrequesting XX/XX/2016to havetheoverdraft amount of {$40.00} returned to my checking account. Finally, on XXXX/XXXX/2016 I was informed by a manager thatI could dispute the amount removed from my checking accountor have the overdraftamount placed on the principal of my loan. I was informedXXXX simply could not honor my request to put the {$40.00} back into my checking accountwithout a statement from my bank on letterhead stationery stating " the {$840.00} will not be returned or disputed '' and to " enclose a copy of the checktransaction from my checking account ''. My banking institution refused to write the letter, stating XXXX made the overdraft. 

The mortgage company agreed to work with me, but since mybank would not draft a letter perXXXX guidelines and specifications, I was left with the decision to eitherdispute the overdraft or the overdraft amountwouldhave tobe applied to the principal of my loan. AlthoughI budget my money to the penny each month andcould have used this money towardother fixed expenses, I agreed tohave the overdraft amount applied to the principal of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
I was paying Fein, Such, Kahn and Shepard a XXXX a month payment since XXXX/XXXX/XXXX. In XXXX XXXX I ran into financial issues and called them initially to stop the payments. A paralegal named XXXX stated that I needed to write a letter. I wrote a letter and stating I needed to stop payments until XXXX of this year. They claim they tried to contact me and sent me letters. I verified that they did receive my letter and they still seized y bank account in XXXX XXXX even though I had been paying them and wrote them a letter. After I spoke to XXXX he said I was in default when I did what he asked. They then tried to continue payments even after he told me I was in default and that they did n't accept my letter. When I called the court they told me the lawyer also re-filed against me for XXXX when the original debt was only XXXX and I had paid down XXXX of it. XXXX could not explain why an additional XXXX was added to the debt only blamed the court for filing it wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I paid the amount requested from Portfolio Management group and they still list me as disputing the account causing me to not quantify for a XXXX loan because of a dispute collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: AR Audit Services, Inc
State: ND

Complaint narrative:
I got served papers through certified mail. Im not sure how everything works so i was waiting for my day in court to explain my situation to the judge. then i received this judgement in the mail only 30 days after i learned that i had been turned into collections. I was paying the agreed upon amount monthly to the clinic and they decided to turn me in anyway. Please help with this issue. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: FL

Complaint narrative:
XX/XX/XXXX, I enrolled in and enlisted mortgage modification assistance from my local NACA Program in XXXX, FL. It was confirmed that my mortgage situation met the criteria for assistance through the Program. I followed the process steps completely and I was presented with the modification option ; I was encouraged along the way by my assigned NACA Agency Counselor face to face, via telephone and email. As the process unfolded I received a XXXX package with the modification terms and details ; to my knowledge these specifics were negotiated by my NACA Counselor on my behalf. However, upon closer inspection this year, I 've discovered that this " modification deal '' contained many elements that has locked me into many years of hardship - specifically 'predatory lending ' at its best. For example, the new terms include ( 1 ) a XXXX and XXXX mortgage, ( 2 ) a final balloon payment and ( 3 ) loan maturity date extended out to year XX/XX/XXXX. Upon this discovery I contacted my former NACA Counselor and returned to my local NACA Agency office. To my surprise I was met with finger pointing suggesting that I had accepted a 'streamline ' offer and that NACA could not support my choice ; furthermore NACA had no paper trail of the offer I had accepted and they were certain that NACA had not negotiated a loan modification on my behalf XX/XX/XXXX. The NACA Counselor then asked that I provide copies of original loan modification agreement for her inspection. The documents were scanned at my local NACA Agency and I was contacted by my original NACA Agency Counselor ; she immediately pointed out that the deal was exorbitant, reeked of predatory lending and I should file a complaint with CFPB. Lastly, when I asked about a remedy the Counselor advised that there was no recourse through the NACA Program and that I ( 1 ) could just make the payments because the amount was nominal or ( 2 ) refinance the mortgage to mitigate the XXXX and XXXX mortgages and the large balloon payment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates is averaging two calls a day to my home phone. They are always from different numbers so I am unable to block them. There is never anyone on the other end when I answer the calls so I have stopped answering them. 


I would like to stop this harassment. This debt is well passed the statute of limitations of four years in my state. ( Pennsylvania )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Continue to receive phone calls from Portfolio Recovery several times a week throughout the day ... .upon speaking with them I 've asked them for debt validation and until then please refrain from calling me..portfolio stated verification was sent numerous times..I stated not once have i received anything ... .so therefore I 'm not giving you any info at this time without proper validation ... and politely said goodbye and hungup ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This debt collection for original creditor is showing XXXX 's as separate credit accounts, never had XXXX XXXX XXXX XXXX credit cards for this debtor, only ordered XXXX items on the same date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The debt has an agreement to be paid by paying XXXX dollars monthly until paid in full. I have been paying in good faith for over 3 years why are they still reporting it as a mark against me instead of reporting current in payments or something. I went into bankruptcy court to attempt to deal with my debt. Judge wanted me to pay at the time more than I could afford he wanted approx. XXXX monthly payments I could not cover that in XXXX since then I have paid all my debts or settled them. This is the last XXXX I owe. What can I do to encourage recovery to place a good faith report as I have done a good faith effort to pay in the past few years. 
?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 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: TX

Complaint narrative:
I received the recorded call on a Sunday. Our credit is perfect and we do not owe anyone. I am tired of these scams calling and want them to stop. The company was Portfolio Recovery and we have never done business with them before.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio recovery services account XXXX amount {$630.00} opened XXXX and account XXXX amount {$580.00} opened XXXX has been reporting inaccurate on my credit and is in violation of federal law. These accounts are collection accounts and are reporting 120 days past due which is impossible and is an inaccurate status for a collection account. It is also reflecting that it 's as a factoring account which is false because factoring accounts reflect current debts. Please remove this XXXX accounts from all XXXX of my credit reports for violating the fcra and inaccurately reporting account statuses as well as account types. I will be following up with complaints with the federal trade commission as well as the Virginia XXXX for violating federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear XXXX. We have wrote three times to these people. All we ask is a accounting of what was purchased as we had payed XXXX XXXX Off.Then two years later they say we owe XXXX XXXX I have requested an itemized account. They will not supply XXXX. We do not owe a dime. Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 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: OK

Complaint narrative:
A collection account appeared on my credit report by Portfolio Recovery Assoc. I have disputed this item XXXX different times with PRA with no response to date.

Company response to consumer: Closed with explanation