vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
1. XXXX county court docket. On XXXX XXXX, XXXX a XXXX XXXX is filed to foreclose the mortgage. On XXXX XXXX, XXXX Plaintiff files motion for summary judgement & to re establish a lost instrument. But then on XXXX XXXX, XXXX almost a year after filing the foreclosure plaintiff claims to have found loss instrument ( original note and mortgage ). Per Florida Fair Foreclosure Act Plaintiff must show is legal owner of promissory note that borrower signed at closing promising to pay debt. On XXXX XXXX, XXXX at final judgement granted by non jury trial plaintiff attorney shows me forged instruments note, mortgage. There is only XXXX original note & mortgage which are the ones signed at closing and these are not the ones I say with 100 % certainty and further prove it with a forensic examination report I have in my possession and Plaintiff has been provided a copy of. Per Florida statute XXXX a person is not liable on an instrument unless the person signed the instrument which I did not and a felony of 3rd degree. Some additional info provided above thru research. 
2. This original XXXX mortgage loan acquired by XXXX was insured and has been paid and collected upon one time. Plaintiff has been trying to collect a 2nd time on a mortgage that has already been paid to them by insurance long time ago.

Company response to consumer: Closed
Consumer complaint received 2017-02-17 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
In XXXX I received a notice included in by bill that any purchase in excess of {$500.00} would be interest free for 6 months. I made a purchase of {$740.00}. The company, Comenity continued to charge me interest at their standard amount over the next 6 months even though I was paying the monthly bill and paid what should have been the outstanding balance at the end of the 6 month term. When I questioned it they told me that : my purchase was not during a promotion my purchase did not meet the minimum purchase amount When I went to my online account to pull the XXXX statement, it was mysteriously missing although all the other monthly statements were there. However the XXXX statement included the same promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 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: ResidentCollect, Inc.
State: NC

Complaint narrative:
Executed a lease with XXXX XXXX through email. Arrival date XXXX/XXXX/2013 see apartment for first time and document/record/film many housing violations. 2010 Maryland Code Public Safety Title 12-Building and Material CODES : Other SAFETY Provisions Subtitles 2- Statewide Building and housing Codes Section 12-203-Minimum Livability Code. Apartment did not meet minimum standards by law. Did not take/move into apartment, immediately informed XXXX XXXX. Found replacement housing XXXX/XXXX/2013. XXXX XXXX XXXX continued to charge my credit card for apartment. I disputed charges and XXXX XXXX Wide hired ResidentCollect Inc ( XXXX ) who called and harassed family for payment of {$1200.00} for rent of apt . not taken. The actions and statements of XXXX XXXX XXXX and ResidentCollect Inc destroyed credit and were used/cited as the reason for family member termination from job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-16 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: KS

Complaint narrative:
BEWARE OF SPEEDY CASH IN KANSAS! THEY ARE SCAMMER AND LIARS!! 

I have paid over {$2500.00} on a loan for {$990.00}. I was told this would be for six months at 30 % interest on two separate occasions. 

Today, I requested a stop payment to Speedy Cash for the ACH transaction. However, it is quite difficult since the payment amounts change each two weeks. 

I have paid {$250.00} a month since XXXX 2015 .... It has now been 10 months. 

I was scammed! Ripped Off! Lied to .... and so disappointing. They owe me at least {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XXXX XXXX, 2015 I try using my Navy Federal Credit at XXXX and because insuffient fund it was decline the XXXX Tech had swipe back Card several times. When I realized that I did not have enough money in my account I transfer funds from my saving account into my Checking Account and having to return items I wish purchase. By returning the items bring the purchase total down to a reasonable amount for the bank can approved the purchase. The Navy Federal Credit Denied my purchases XXXX more and customer and XXXX did not help process the purchase the I left went XXXX and it happen again so today I call Navy Federal Credit Union at less XXXX today.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
After having XXXX XXXX leases in the past years and never being late on payments to them nor any other creditor either in my entire life, Lexus financial has reported me to the credit bureaus for 1 late payment over 30 days. 
They have stated that I did not pay the XXXX 2016 payment and that is totally untrue. 
After speaking with several of their representatives for hours in an effort to resolve the matter and explaining to them that the payment of {$290.00} was made thru their phone automated system ( as always ) on XXXX XXXX, they advised me that they WILL NOT remove the negative information from my credit reports and that they can not help me any further to please not call them anymore. 
They also advised me that they have been trying to contact me at a telephone number that does not exist and that is not a correct statement either, they have my phone number as well as my wife 's phone number in their file which I updated and verified with them back in XXXX 2016. 
Iam not late on my payments nor have I ever been late on my payment to Lexus nor any other creditor either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 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: NC

Complaint narrative:
I sent the the attorneys, XXXX, the firm that is representing Portfolio Recovery Associates LLC requesting verification of the debt, the original agreement signed by the alleged debtor and other information since this is a debt buyer and not the original creditor. I have not received the original contract but have received unverified billing statements. This is in violation of the FDCPA. They have failed to provide sufficient evidence of the validity of this debt or that I owe Portfolio Recovery Associates LLC. I sent the first request via certified mail and have sent a second request the same way. Instead, I have received a letter indicating they plan to sue me but have not as of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2017 I visited XXXX and saw an advertisement for the Wells Fargo Cash Wise Visa Card. There was an online only promotion for new applicants to earn {$150.00} cash rewards bonus if you spend {$1000.00} ( net purchases ) in first 3 months. With this offer in mind, I applied for the card online. My application was approved and I immediately received an e-mail confirming my application from the online customer service team. My card was set to arrive within 5-7 business days. On XX/XX/2017 I received the Wells Fargo Cash Wise Visa Card with no information about the {$150.00} cash rewards bonus. I contacted customer service who directed my call to the rewards department. Upon checking the system, the representative was unable to determine why the cash back bonus was not applied to my new account opened online. I was informed that an internal investigation would take place. This is completely false advertisement on Wells Fargo 's behalf. I visited the website today on XX/XX/2017 and again am able to view the advertisement for {$150.00} online only promotion. I have applied for the card to be able to take advantage of this offer ; however I was not able to take advantage of this offer because it was never applied to my account as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Bronstein & Weiss Arbitration
State: MD

Complaint narrative:
In XXXX, I was contacted by Bronstein and Weiss Arbitration about a payday loan I owed of about XXXX dollars. I was willing to pay, as I am not arguing the loan. After making an initial payment, and XXXX other, I was unable to make the folowing ones because of income. The deb collector contacted me, threatening to " Contact the DA and to have legal and criminal action taken against me ''. I paid another amount and got a receipt, which has my name spelled wrong ( it 's attached ). When I confronted them and asked them for an email or letter regarding the debt and how much I owed, they said they could n't do anything besides the initial deal made between the XXXX of us. They would n't even send me a letter confirming the debt, or anything about it. XXXX weeks ago they contacted me for the last XXXX dollars, threatening again, legal and criminal action. XXXX XXXX XXXX said that his " lead attorney '' was willing to go to court and have criminal action charged. When I asked to speak to the lead attorney, he dodged around and even asked " Ca n't your parents just pay for you? ". He said if I do not pay by XXXX that they would have to press criminal charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
A default judgment was entered that included a debt that I was never served any paperwork. I only discovered this when I requested documentation of the payment history from their representative. I actually had to file a complaint with the Colorado Attorney General 's office to get the complete history. At that time, I received paperwork showing the debt that I was never served and that they had closed the case. When I filed the complaint, the current representative filed a motion to dismiss the judgment which was denied. I did request to settle and received no response. I just received paperwork requesting a proposed payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: First Data Corporation

Complaint narrative:
i have account in money network.i used website totalpay to transfer my money with this card on polish account.Ii was XXXX XXXX : XX/XX/2016 XXXX EST.Funds transferred will be available to the recipient by Thursday, XXXX ; funds may be available sooner and i still dont have my money.I called on this number ( XXXX ) 4 day ago and they told me that this issue will be solve in 3 days, but i still dont have a my money.I must come back to my country and first i must take my money with cash machine because in my country i cant make it.please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
We consistently receive phone calls to our home number from Portfolio Recovery Services. I have asked them not to call and confirmed we do not have an account in debt collection. They continue to harrass us by contacting our home number and hanging up or leaving a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have repeatedly requested that Portfolio Recovery Associates , LLC / Account Disputes Department provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 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: UT

Complaint narrative:
Portfolio Recovery Inc is pursuing to send mails to my address stating that I own debts that were resolved with the creditors 2 years back. Checking the reviews, returned all these scams where they take up accounts which were in bad status at some point of time in the past and just pursue to get some money out of customers. They have to stop sending me communications, as I have called up the issuing companies and have officially settled them up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I have repeatedly asked Toyota why my lease payment changed from {$390.00} to {$400.00} and also to waive accumulated late charges on account totalling {$420.00}. I have asked repeatedly why my monthly payment increased. The late charges occur because I missed XXXX payment cycle waiting for increase explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I sent a letter requesting proof that this account was in fact mine because I did n't recall the account. Once they sent me the information and I realized that it was my account I noticed that they were reporting the account open date as being the date that I spoke to someone from the collection company about the account. The open date should be reported as the date the account originally started with the original company. I would like for them to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 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: CA

Complaint narrative:
Today I received a notice from myfico that a new collection has been added to my credit report from Portfolio Recovery Associates. I never received any documentation in the mail to validate this debt, or give me a right to dispute. I have no idea what this debt is for. This collection is damaging my chances of owning a home, and obtaining any other type of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 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:
Recently, I have been receiving information from my financial accounts - banks and credit card companies - that there have been several new delinquencies reported on my credit report that could possibly be frauds. Also, just recently, I have been receiving letters from Portfolio Recovery Associates , LLC. and other recovery companies about delinquent accounts. 

These delinquent accounts are not mine. I have several credit accounts and they are all paid on time. My credit score has fallen dramatically because of these erroneous reports. 

What recourse do I have to resolve this matter?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC
State: MI

Complaint narrative:
XX/XX/XXXX has violated my rights as a consumer several time in the past 7 months ... ... left 2 vm XXXX XXXX XXXX ... ... 3 vm XXXX/XXXX/2015 ... .2 vm XXXX/XXXX/2015 and I have saved all records. ... they also went into my bank account unauthorized XXXX/XXXX/2015 and on XXXX/XXXX/2015 gave my account details to unauthorized third party ... ..I 'm sure I 'm not the only consumer they 've done this to and this needs to be investigated. ... at this time the only resolution ill accept after so many violations is payoff on my acct number XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
First Niagra bank will not speak to us on the phone. First my wife called and they said they had to speak me. Then I called on a Monday and they refused to speak with me and told me to go the nearest branch. We live an hour away from the nearest one. In XX/XX/XXXX I paid a payment and the reversed it. Said there was no such account. Spoke with a XXXX and have his employee id number and he reversed the late charges and i paid XX/XX/XXXX and XX/XX/XXXX payment. I told him that i should n't be reported 30 days late because to my knowledge payment in XX/XX/XXXX was paid. He said he would take care of it. Next thing I know were getting letters stating we are 62 days late and owe over {$300.00}? I called and they refused to let me speak with XXXX. and told me there was nothing they could do and to go local branch. I ca n't resolve this, do to the fact they are not allowing us to speak with anyone?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 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: TriVerity, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX agreed to a settlement through their agent XXXX XXXX of CU Recovery on a collection account. I have paid as agreed upon but they continue to report a balance and have even flagged the account as a new XXXX, further damaging my credit and creating hardships for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
They call my cell at least twice a day and my home line at least twoce a day as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Opportunity Financial, LLC
State: OH

Complaint narrative:
Bi Weekly payments of {$180.00}, i notified them via certified mail that I had a change in income and could no longer afford the payments and to stop ACH withdrawl, they did stop the withdrawl, but are now saying the loan is 21 days past due when it is only 5 days past due and are threatening legal action. I also sent them a check and a promise to pay {$20.00} a month until paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 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: IL

Complaint narrative:
I disputed the validity of a debt with Portfolio Recovery Associates. I received a letter stating the debt was valid and a credit card statement was attached. The statement was dated XXXX/XXXX/2007 with an amount owed of {$81.00}. This date is over 8 years old and the amount they claim I owe is {$470.00}. There is no explanation of the amount owed and it is over 8 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Harley Davidson Financial Services Inc
State: AR

Complaint narrative:
I purchased a motorcycle threw Harley Davis, I had a XXXX an was XXXX for XXXX months, this happened 60 days after I purchased I continued to make XXXX more payments, they came got the bike an it had XXXX miles only on it an they sold it to another bike company for XXXX. I paid XXXX. Some how that did n't seem right or just. They billed me for the rest of the money lost in the loan, it 's XXXX yrs old now an I feel they should have to remove it ; my Credit has suffered long enough due to this XXXX. I was hit an was the innocent victim of all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
They call 4-6 times a day on my home phone and on my cell phone. They are both on the do not call list. They call from different phone numbers that have been reported as scams and do not answer. The area codes either do not exist or do n't work. I have blocked one of the numbers so far. The companies name is Portfolio recovery. You can not call any of these numbers back they are disconnected. The numbers are XXXX, XXXX, XXXX. I did see other numbers on all of the pages with these numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19 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: GA

Complaint narrative:
I have no knowledge of the said debt and would like it removed as its reporting to the credit bureau as an open account and is negatively affecting me. This information was also shared illegally with a third party without my consent.

Company response to consumer: Closed with explanation