vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
XXXX continues to place a collection account on my credit report. I have disputed this several times and they have previously removed, only to insert it back on my report again. The account is something regarding " online information services '' to which i have never had an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
IN VIOLATION OF FDCPA AND TCPA!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WESTSTAR MORTGAGE CORPORATION
State: AK

Complaint narrative:
West Star Mortgage Company did not correctly apply my payment they received and will not correct the problem. I 've supplied West Star a copy of the cashed money order verifying that they deposited the money. They wrote me a letter stating that they will not correct the problem with out the wrong lender whom they have paid returning the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Legal Recovery Law Offices, Inc
State: CA

Complaint narrative:
I received a Garnishment Doc from the XXXX County Superior Court via XXXX County Sheriffs department through my Employer XXXX. It was from Legal Recovery Law Offices for the plaintiff XXXX XXXX XXXX. It 's states that I owe {$4000.00} to XXXX XXXX XXXX. XXXX XXXX XXXX is a debt purchaser, from what I read online. XXXX through XXXX XXXX XXXX Offices have however, ALREADY started collecting in the amount of {$70.00} witch will be 25 % a week of my check, being so that I am a temp employee. This is CLEARLY a violation of the Fair Debt Act, as XXXX nor Legal Recovery Law Offices STATE the ORIGINAL creditor on this Garnishment Doc? There is n't even a TYPE of credit that this {$4000.00} was for?

Company response to consumer: Closed
Consumer complaint received 2016-10-18 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: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
There was a debt that was owed through a apartment complex for XXXX dollars that XXXX had collected from me last year and showed it as a paid collection on my credit report. Now they have put another collection for the same amount on my credit report under a different account number. This has already been paid.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
I contacted this company via US mail in attempt to get them to validate this debt. The company has not responded nor provided debt validation. they have reported this account to all XXXX credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
An account with " Speedy Cash '' was opened in my name for {$300.00}. I did not open this account. I reported fraudulent activity to my bank when noticing money deducted from my account. Third party now put me in collections although it was identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit
State: CA

Complaint narrative:
We made a electronic bill pay through our bank that was incorrect and subsequently overpaid the amount due. When we advised VW Credit of the problem they REFUSED to return our money. Even after being assured by our bank that the funds had cleared, VW refused to return the overpayment. VW can not be trusted. Still have not been repaid for the over payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
My mortgage was transferred from XXXX to Caliber Home Loans. The first payment due on my account was XX/XX/2016. I made three payments via online banking ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) prior to the transfer. The second payment was applied as a principal reduction so it did not advance my due date according to the statement I received which was fine since we intend to make XXXX payments a month. The third payment to XXXX sent on XX/XX/XXXX was returned to me by my bank and credited back to my bank account on XX/XX/XXXX because their was no active account for the money to be applied to. I " resent '' the third payment to the new company, Caliber on XX/XX/XXXX and have continued to make payments to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX. Problem # 1 ... According to my statement, the payment sent XX/XX/XXXX was applied to my account but reversed and entered into unapplied funds, then there was an escrow disbursement for it. I called Caliber to question it and was told they received an invoice from XXXX that they were owed a payment, so Caliber sent them a check. So, my account received no credit for that payment. Problem # 2 ... The balance on my mortgage with XXXX at the time of the transfer was a certain amount, but when I received my first statement with the new company the balance increased by {$460.00}. The due date on the account also varied by XXXX month. With XXXX I was due XX/XX/XXXX, but Caliber was showing me due XX/XX/XXXX. The due date is not a concern to me since we are paid ahead, but I believe this is part of the problem. Problem # 3 ... I 've been in contact with Caliber to discuss my account and the issues with the unapplied payment and balance difference. I 've sent them a bank statement that included all my {$1100.00} payments made for my mortgage account that was requested. I 've requested from Caliber a life of loan history three times. They said it would include my pay history with Caliber & XXXX. I 've requested my account be credited for the unapplied payment, the balance difference from the transfer and a credit for interest I 've overpaid since they reversed my payment. I have n't received the complete payment history. I have n't been getting call backs nor have I seen a credit on my account. I do not know what I can do now to get this resolved and would appreciate any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: GA

Complaint narrative:
The company 's response is not factual. My initial agreement ( attached ) XX/XX/2011 was with XXXX XXXX, not Weltman Weinberg and Reis. As I stated, XXXX turned the account over to XXXX XXXX XXXX without notifying me. When my checks were retuned to me, I called XXXX and they answered the phone as XXXX XXXX XXXX. When I asked them about my account, they had no record of me or any payments. That 's when I decided I had better hire a lawyer. I then provided cancelled checks and we agreed to resume payments to XXXX, not XXXX. Then several months later, I received a letter from Weinberg stating that they would garnish my account if I did not send them payments. I had never heard of Weltman. I then called Weltman and they told me the account was being handled by XXXX. I then called XXXX again and they said they had no record of me or any payments. I then called my lawyer again and we still do not have a resolution. I asked for a written confirmation from Weltman that clearly stated that my agreement was with them, not XXXX and that my payments would be properly applied and reconciled. I still do not have any confirmation, though I have continued to blindly make payments to Weltman because I do not want my account to be garnished and I do not want to incur more legal fees. I want XXXX things : I want a copy of a written agreement transferring the account from XXXX and XXXX, and I want credit for {$1200.00} in legal fees I have incurred because of the incompetence or negligent handling of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I took a loan from speedy cash which i paid in full. and retook another one. on XXXX/XXXX/15 they sent and e-mail saying there was a mistake in the XXXX loans but did n't clarify what it was. i kept e-mailing asking for account status and never received it in an e-mail. they charged my account without my authorization ( i contacted the bank and they reversed it ) they never sent me an account balance, instead they sent it to collection with the wrong amount and they wo n't fix it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I received a money order for a piece of art. I took it to my bank and they told me the check was good and I would have access the next day. 5 days later they withdrew the money from my account and said the money order was a forgery. I expected my bank in this day and age to know a forgery and let me know before they made the money available to me. The last thing I expected was 5 days later to be told it was a forgery. I had been with this bank for 12 years. It was their responsibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: VW Credit
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX, I purchased a XXXX XXXX XXXX from XXXX VW of XXXX XXXX, CA. When I was discussing financing options with the Finance Manager XXXX XXXX XXXX, he described a pre-paid VW maintenance plan that was available that would cover my scheduled maintenance on my vehicle. He indicated that if I purchased it now at a price of {$1000.00}, I will be covered for my XXXX, XXXX, XXXX and XXXX miles scheduled maintenance with no additional out of pocket cost at time of service. He provided me estimates of each scheduled service and after crunching the numbers, the deal made sense and I agreed to the maintenance plan of {$1000.00} that was included in the financing of my vehicle. 
In XXXX XXXX ( XXXX/XXXX/XXXX or XXXX/XXXX/XXXX I believe ), I contacted VW Financial Services to ensure I fully understood my pre-paid maintenance plan and what it covered. I asked the representative if my plan covered XXXX mile service and she confirmed that it indeed did cover those maintenance services. This put me at ease knowing that XXXX at XXXX and the VW Representative confirmed the same thing. 
On XXXX/XXXX/XXXX, I brought my vehicle in for my XXXX service to XXXX VW of XXXX, CA. When I notified the service center what I needed done on my vehicle, I was told that I would have to pay out of pocket for my XXXX service of approximately {$300.00}. They indicated that whoever processed my prepaid maintenance plan at time of vehicle purchase only signed me up for the XXXX and XXXX mile service, and not the XXXX and XXXX mile service. They stated that there are XXXX plans that can be purchased, which is the VW Care package that covers the XXXX and XXXX mile service and the VW Care Plus package that covered the XXXX and XXXX mile service. XXXX at XXXX apparently only signed me up for the VW Care Plus package even though he had confirmed I would be covered from XXXX miles at a financed cost of {$1000.00}. I spoke to the Service Manager at XXXX and he re-confirmed what I was signed up for and advised that he could not do anything further as that it what was shown in their system. I notified him that I should be covered for XXXX as I did not pay for the XXXX mile service performed at XXXX several months ago. They said that after looking at their records, they saw that the Service Technician apparently processed it incorrectly and when they submitted the reimbursement to VW, they were denied it and they had to 'eat ' the cost for my XXXX mile service. Since I needed the service and did n't have the time to dispute with XXXX or VW at the time, I agreed to pay for the XXXX mile service out of pocket for a total of {$310.00}. 
It appears that I was misled by not only XXXX, but also VW as I specifically called asking the question about coverage and they confirmed that I was indeed covered for the XXXX mile services. 
Note that I have also filed a complaint for VW XXXX ( Case # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
My home was forclosed on by Caliber Homes who bought my mortgage from XXXX in forclosure. I feel it was a stealth forclosure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
The collection agency could/would not provide any documentation that I owed the debt nor could they verify that they had tried to contact me via mail or otherwise. The agency has filed a judgment on me in the amount of {$1200.00}. The name of the collection agency is : Fein Such Kahn & Shepherd P.C. 
XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Municipal Collections of America Inc.
State: IL

Complaint narrative:
MCOA Municipal Collections of America had my driver license suspended with the state of Illinois, with no XXXX for recourse. But after multiple attempts MCOA has refused to provide me with verification of the date. I would like written proof of the debt sent to me to be verified before any payment is submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TX

Complaint narrative:
I have been getting calls again concerning my private student loans this time coming from the XXXX XXXX, Ohio office of a company called Weltman, Weinberg , & Reis Co, XXXX that kept calling me and my mother, who is a cosigner. I spoke with a representative of the company who offered an " aggressive settlement '' that would take out an excessive amount of money from my mother 's retirement to pay a part of my loans. We have been paying the regular monthly payment of the loans, but it is hard for us at this time to get out of the default on my loans until I get a better job within a year 's time hopefully after my graduation with XXXX degree XX/XX/XXXX. My mother does not need any more phone calls to give her stress because she has been to the hospital already within a year 's time, and that has contributed to her health struggles. I would like that the loan company stop calling us please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: IN

Complaint narrative:
I have been contacting Caliber Home Loans XXXX times since XXXX XXXX in order to obtain an escrow analysis. My loan started in XXXX at which time the XXXX XXXX was not yet applied. It was applied around XXXX XXXX and I have asked to 1 ) have a reduction in escrow ( ultimately monthly payment ) and 2 ) be refunded an overpayment which is as of today is approx {$1600.00} and each month {$300.00} is added to this amount. I keep being told each time to wait XXXX days and nothing happens. I have talked to XXXX ( teller id XXXX ), XXXX in Tax, XXXX XXXX, supervisor in tax whos phone # is XXXX, XXXX ( teller id XXXX ) and XXXX XXXX, supervisor -- XXXX refused to give me her direct phone number but her extension is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Gentlemen : I have a Union Bank Visa credit card and had been making automatic payments of {$100.00} per month for several years. My current balance is {$2500.00}. 

Recently there has been some management reorganization and restructuring and now they will only allow XXXX options. Either pay off the full balance or make only their minimum required payment of about $ 55/ month. I wanted to pay {$150.00} per month and get out from under this debt as quickly as possible. 
" No way '' according to them!!! 

This unethical practice effectively extorts maximum interest dollars from all of the bank 's credit card holders.. I have other credit cards and every one of them allows me to select my monthly automatic payments. 

I have called the bank many times and talked with many bank supervisors and they all say that these XXXX options are the only ones allowed. I just got off the phone with their Customer Advocate and was told that they are not breaking any regulations and their XXXX options still stand. It still smacks of greed and extortion to me. 
I would appreciate some help for both myself and all the thousands of other XXXX Bank Visa card holders. 

What they are doing is definitely unethical and constitutes the highest level of greed. 
This practice needs to be stopped immediately. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 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: TX

Complaint narrative:
I have XXXX accounts on my credit from West Asset Management that they refuse to remove. Both accounts are from XXXX XXXX XXXX in XXXX Oklahoma. I was informed that they have sent me several notices prior to placing them on my account. I advised that I received no notices or validation of the debt. I also advised that we/I have always carried XXXX medical insurance providers through my work and my mothers job. The agent as well as the supervisor verified that only XXXX insurance company was submitted to request payment and not the other. I have disputed with the agents numerous times and they refuse to remove or verify any information with the medical provider. I was advised that billing the medical insurance company is a courtesy provided by the provider and it is up to me to make sure the insurance company pays the bill. I never received any documentation to dispute the charges and when I found out they were on my credit report. I can not stress the issue with NEVER receiving any documentation to submit to the company to dispute the charges. The supervisor was extremely disrespectful and offered no additional assistance. I have valid proof that I had XXXX medical providers coverage at the time and offered to submit the documentation. The agent stated she read through the notes and does not see any notations referencing billing the secondary insurance and that she can not do any thing to remove the accounts and that I needed to obtain a different avenue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pendrick Capital Partners Holding, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX, I received a letter attempting to collect for a hospital visit on XX/XX/XXXX. The only information provided was that the amount is {$420.00}. I do not owe on any hospital bills, nor did I go to a XXXX XXXX XXXX hospital on that date. Also of concern is that Nevada Statute of Limitations does not permit collection on debt that is 10 years old, let alone debt that is not verified or owed. 

The company is falsely representing that I owe money and did not verify any necessary information, and is not adhering to Nevada FDCP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I am XXXX military and as such receive XXXX % coverage of all medical and am void of any financial liability. I 'm protected by my federal military enlistment contract and the Soldiers and Sailors Act. I asked if they accepted tricare - they said yes. I told them that I would not approve any treatment not covered under my insurance. I was told it would be no problem. This is an issue that needs resolved between the medical biller and my insurance company. Whatever that end is, I should not be considered a responsible party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: OR

Complaint narrative:
This company is contacting daily for a deceased person 's debt. They have also left messages on an open voicemail service, so I was able to learn about the debt. They are also calling other parties constantly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation