vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
COMPLAINT Now comes, XXXX in consumer capacity filing a complaint against debt collection agency Keybridge, an XXXX agency licensed to collect debts in the state of OHIO ; In XX/XX/XXXX, I checked my credit report and discovered Keybridge 's tradename on my credit file as a closed account and disputed the account with all three credit bureaus ; On XX/XX/XXXX I received my credit report update from initial dispute, and XXXX was deleted from XXXX file but updated by XXXX and XXXX as a verified account ; Keybridge placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with Keybridge and XXXX ; I have never received any validation letter from Keybridge prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly verifying the debt as valid to XXXX and XXXX ; This conduct is a direct violation of XXXX Validation of debts ; ORC XXXX, and XXXX Case No. XXXX ( XXXX. Ohio XX/XX/XXXX ) This conduct is a direct violation of XXXX false and misleading representation ; XXXX ; XXXX, XXXX, ( XXXX ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with XXXX XXXX Ohio Statutes of Frauds ; XXXX, XXXX ; This Conduct violates XXXX disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XX/XX/XXXX ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of Keybridge 's actions, and If their tradename is not deleted off my credit file ; I will filing civilly seeking punitive damages in accordance with United States Court of Appeals, XXXX Circuit, Case No. XXXX, XXXX, XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CO

Complaint narrative:
To Whom It May Concern, This letter is to inform of misconduct and poor business practice on the part of our mortgage company, Caliber Home Loans. 
Three years ago, new to the area, we chose Caliber as our mortgage company on the advice of our realtor. At the time they had an office locally where we could have any questions resolved without incident. Our checks were due on the first of the month but not considered late until the XXXX of the month. In XXXX 2016, we received word that Caliber Home Loans was incorporated and we were to hence forth send our checks to XXXX Texas. The local office was closed. 
On XXXX, XXXX 2016, I received a call from a representative of Caliber stating my check had not arrived. 
While on the phone line I reviewed my internet checking and discovered the check had indeed arrived at the post office in XXXX on XX/XX/XXXX. 
The man assured me they had not received it and ask me to stop payment on the check and wire their payment. 
I drove straight to XXXX XXXX XXXX XXXX XXXX ( FCU ) and requested a stop payment on my check. 
While in line at the FCU to wire the funds I checked my Caliber account on my phone and lo and behold the check had been received. 
I immediately returned to the bank officer and cancelled the stop payment and returned home and called Caliber to inquire about the payment. They confirmed receiving the check. 
Two days later Caliber called back and stated they had not received my check. 
I explained in detail what had occurred and they at first suggested the check had insufficient funds and then after heated discussion suggested the check was a " stop payment. '' I contacted my XXXX and they assured me no one had ever attempted to deposit my check. 
I again contacted Caliber demanding to speak to a manager and expressed concerns about the company 's accounting practices endangering our credit rating. 
She was very rude, offering to email me a link to XXXX. I suggested that perhaps she needed the credit counseling. 
She finally informed me that even though they had never submitted the check for payment it had ( inadvertently I assume ) been stamped " stop payment '' and they would require another check and assured me my original check would be returned to me ( it never was ). 
She also assured me the incident would not be reflected on our credit. 
I complied and sent another check for my XX/XX/XXXX payment and the next day sent our XX/XX/XXXX payment early to avoid repeat confusion. 
Last week we received word from a credit agency that our credit rating ( both in the XXXX 's ) was compromised by a complaint from Caliber Home Loans. 

I urge you to investigate Caliber 's business practice and chastise them for their wanton disregard of their customers and insist on having our credit rating restored to its former state. 
Yours Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
Signed up for a class at the XXXX XXXX XXXX at XXXX XXXX. Paid {$1400.00} up front for a class I believe had been {$2000.00}, dropped the class after attending just XXXX classes. I had been told to notify the XXXX office, which I did but never received any paperwork to demonstrate my dropping of the class. This is from the summer of XXXX. 

There had been an alleged certified mail sent to me, XXXX XXXX, never received it. It shows I signed for it, the same day it had been sent out. That is not possible and it is not my signature. 
I have since had the law firm of Fein, Such , Kahn & Shepard put a levy on my checking account. I fear next they 'll attempt to repossess my car, the only thing I do have and would n't be able to get to work. 
I had spent the past 3 years on general assistance due to helping my mother who had been diagnosed with XXXX XXXX. Lost her in XXXX of XXXX and then lost my father, XXXX of XXXX. I now live in a home that my father did a reverse mortgage on, I have no heat or hot water as I could n't afford to pay the bills he left behind at the time of his death. 
I started working again a few months ago at the XXXX, this position required XXXX. Having gone through XXXX background check, XXXX, I have now been informed XXXX. 
I received an official letter from them this week, XXXX/XXXX/XXXX. 
I am not sure whether my compromised information is a result of what is happening and what this unscrupuous law firm is attempting to do to me. Pay a {$6000.00} debt, an alleged debt that when contacting XXXX XXXX, has no knowledge of. 
They can see I paid {$1400.00} of the class and nothing of me owing them any money whatsoever. 
The above mentioned law firm states they 're representing XXXX XXXX, as said, the school is not aware of any debt owed to them from XXXX or anytime after that. 
This is who I had spoke with at XXXX XXXX XXXX XXXX , Program Coordinator for XXXX. 
I can not afford to pay this alleged debt, I do not owe this allged debt, this law firm to using the law to collect what 's called zombie debt and using any means to collect that alleged debt for their own financial gain. 
I also suffer from XXXX XXXX XXXX and this added stress has been causing me issues with the disease. I am attempting to get back up on my feet, work, move to an apartment, pay legitimate debts I owe and can not endure what this law firm is attempting to do. 
When researching that law firm, first XXXX results are of ripoff report, XXXX complaints with their debt collecting tactics, being sued by another state 's court for robosigning mortgages and makes me wonder how they 're still able to operate? 
I can provide all required documentation, transcripts of my discussions with XXXX XXXX, XXXX official letter that my XXXX being on general assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
Caliber Home Loans has not specifically responded to 24 C.F.R. 1024.35 subsections ( XXXX ) Any other error relating to the servicing of a borrower 's mortgage loan and ( XXXX ) Response to notice of error and the ( XXXX ) Investigation and response requirements. 
The Assignment of Mortgage filed in the Office of the City Register of the City of XXXX on XXXX XXXX, XXXX, is without legal authority. 
On XXXX XXXX, XXXX XXXX was [ XXXX ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ) whom can be reached for this verification at ( XXXX ) XXXX ( Monday through Friday, XXXX to XXXX ). 
XXXX and XXXX XXXX Mortgage, LTD did [ XXXX ] ot exist on XXXX XXXX, XXXX and XXXX XXXX was [ XXXX ] ot an employee ( Assistant Secretary ) of Mortgage Electronic Registrations Systems, Inc ( MERS ) on that date. MERS is a XXXX with no employees. 
XXXX XXXX was also showing to be an employee ( Assistant Vice President ) of XXXX XXXX XXXX on the same exact date of XXXX XXXX, XXXX. 
XXXX Mortgage, XXXX publicly went out of business as per its Chapter XXXX liquidation filing under its bankruptcy. XXXX, XXXX also went out of business in the year XXXX. 
Additionally, XXXX XXXX also signed Assignment of Mortgages as an ( Assistant Secretary ) for XXXX XXXX XXXX XXXX Mortgage Corporation on XXXX XXXX, XXXX despite the fact XXXX XXXX XXXX XXXX publicly went out of business in the year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Prospect Mortgage, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX, 2014 I obtain a FHA loan from Prospect Mortgage, LLC. The in-house counsel member XXXX XXXX XXXX committed perjury in her email by stating that my mortgage loan was not sold to the secondary market. XXXX XXXX is the counselor for XXXX who is a subservicer for my original lender Prospect Mortgage, LLC. Moreover, the manager for Prospect Mortgage, LLC refuses to send me a letter stating that my mortgage loan was sold to the secondary market via XXXX XXXX. When mortgages are bundled up in contracts and transferred to XXXX XXXX, the mortgages are sold to other investors as stock certificates to the secondary market. The borrower promissory note is converted over to stock certificates when there pooled together with other schedule loans. I was able to obtain this information from the Securities Exchange Commissions. In closing, I am currently seeking legal counsel because I have a lawful right to know who actually owns my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
In XXXX, I notified you of my mortgage company, Caliber Home Loans, for not not crediting my account properly throughout my bankruptcy. Thanks to your company, Caliber credited over XXXX to my mortgage account. Thank you! 
This request is to follow on the other complaints, which was the fact that they continuously reported me late to all XXXX credit bureaus for over 1 year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I opened a sole proprietorship, XXXX XXXX XXXX XXXX, in XXXX. In XXXX, I formed a corporation, XXXX XXXX XXXX XXXX, and my sole proprietorship expired and so I closed my XXXX checking account at Union Bank and got a new one under the corporation name. 
About XXXX, I had some late payment to XXXX XXXX and XXXX company, our local utility, so they wanted me to get a CD so I could guarantee payment, which I did thru Union Bank. 
The years passed by and on XXXX XXXX, XXXX, I retired, closed my business and filed for dissolution of my corporation. By this time I had closed my checking account at Union Bank and had switched to a different bank. I kept that new bank account open to conclude any final business transactions and deposit the check for the {$820.00} CD from Union Bank. 
But when I went to Union Bank to collect my money I was told I would have to open a new checking account under the name XXXX XXXX XXXX XXXX because the CD was in that name. They did not seem to understand that that name had not been used in 20 years but they were not going to do anything unless I did what they said. I was gong to do it until, luckily, I decided to first call my local District Attorney 's consumer fraud office and they directed me to call the CFPB. Hopefully, you will able to help me. 
I have attached two documents, first, a letter from the utility, XXXX, dated XXXX XXXX, XXXX, stating that the CD # XXXX was cancelled XXXX XXXX, XXXX and second, a letter from Union Bank, updating the current status of my CD. I believe all the account numbers, addresses and contact information is on the two documents. 
Please call or email me for any additional information or clarification you may need. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MN

Complaint narrative:
Over a year and a half ago we started the process of buying a home. Our mortgage guy sent us to a credit repair co. They got the collection account from Weltman , Weinberg & Reis taken off my credit, because it was unverifiable. Now it is back on my credit. I have credit reports showing the trade line on and then off and now today it is currently on my report. When I called to verify the account with WW & R they sent me a heavily redacted letter verifying absolutely nothing. I would like this unverifiable account taken off my credit and removed permanently. This should not be a loan I have to pay for if there is no verification that it is my debt. Attached are the credit reports and the letter of verification that was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
After looking over my credit report I noticed that there were XXXX late payments reported by Macy 's. XXXX XXXX and XXXX XXXX. I spoke with a representative in XXXX advising them that there was fraud on my account and I did not make the purchase to put the balance on there. They stated that they would remove the late payment reported. Same instance with in XXXX XXXX, I received a notification that I missed a payment. After I tried to make the payment and was told that the XXXX option on their website was having issues, I told a representative that I should not make this payment because their was fraudulent activities on my account. I was refunded the amount I paid and told that the late payment would be removed. After glancing over my report XXXX XXXX. I notice that these negative reports have not been removed. I called and spoke to a macy 's credit representative that stated since the fraud case was not investigated, they reported accurately, and there is nothing they can do about it because of the amount of time I waited. They did not report accurately and they have failed me as XXXX of their loyal customers. These payments should be removed due to the fraud that I reported the moment they where committed.

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 2016-08-11 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: TX

Complaint narrative:
I sent a request for Validation from PORTFOLIO RECOVERY ASSOCIATES concerning alledged debts with XXXX XXXX XXXX XXXX XXXX for {$870.00} and XXXX XXXX XXXX XXXX for {$1400.00}. I asked to be provided with their Texas Debt Collection License and Bond information as required by the Texas Finance Code and proof that they either owned the debts or they were authorized to collect the debts by the owners. I also asked for proof the debts were legitimate and how they calculated the balances. 

They did not provide me with licensing or bond information. They said they owned the debts having purchased them from the original creditors but did not provide any proof they were the owners other than them just saying they were.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
There is a payday loan that is currently now being reported to my credit. I have tried disputing the error with XXXX and they stated that the it meet the FCRA requirements. I never recalled getting this pay day loan in my name and this should not be reported to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
The company continues to take advantage of me. They know that I can not afford an attorney to fight this issue. I did not have access to my account information online and I was not getting paper statements until XX/XX/XXXX. I requested information to help me understand where things went wrong. After they sued me and I went to court, they have been penalizing me for this. Once I found out that the breakdown was that my payments were not being applied properly, all of a sudden they justify it by saying that it was because they were paying for home insurance on my behalf. I have been carrying my own home insurance because they told me that I did not qualify for them to cover it. I have had my car & home insurance with XXXX XXXX up until XX/XX/XXXX and then I had it with XXXX XXXX to this day. I never consented for them to open an insurance policy for me. Why would I carry XXXX insurances? They never discussed this with me. I never gave them consent to do this. I just learned about this insurance when I received a letter dated XX/XX/XXXX from XXXX saying that insurance is to renew on XX/XX/XXXX. Please help me get this resolved and have my account adjusted appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ceannate
State: IL

Complaint narrative:
I have been trying to get FMS to work with me to help me repay a loan which I believed was still with my original lender, XXXX XXXX, on deferment but to no avail. Finally, the head of the call center, XXXX XXXX, agreed to set me up on a payment plan of {$5.00} per month if I would send a signed letter to them confirming I have XXXX people living in my household. I let him know I would not be filing taxes for the fourth person as a dependent, but he assured me my signed letter would be enough, and I would have no further issues with a payment plan. I went to make a payment of {$50.00} like I have been the last few months and was informed my minimum payment was {$83.00} a month because I have XXXX people living at my house. I was already assured by XXXX I was approved for {$5.00} per month. Now I am being told otherwise. I keep trying to reach XXXX to fix it, but he seems to be avoiding my calls. I am afraid they will start threatening me with litigation or wage garnishment even though I did everything they asked. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 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: Weltman, Weinberg & Reis Co., L.P.A.
State: IL

Complaint narrative:
I have asked Weltman , Weinberg & Reis to not contact me at work and they have continued to call and leave messages, even after told them that I would have my attorney contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc.
State: TX

Complaint narrative:
I do not owe any of these depts. In several months, every month, I have tried to dispute the bad reports to XXXX credit report agencies, and they all got removed. However, the next month, WEST ASSET MANAGEMENT keep adding the same debts on my credit reports. It wastes me a lot of time and frustration to file the disputes with XXXX agencies every month. The called me threatened mem and abused me for the dept that I did n't owe. I did ask them to spell the name and date of birth and they all were clearly not mine. I told them the dept is not mine, but they still put it in my credit reports every month anyway. 
I belief their stragety is to bother me to the point where I will feel so frustrated and I will pay for the depts I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I called adastra recovery services because I recieved a scam call claiming to own the loan. XXXX XXXX reisured me that it was a scam. The supervisor named XXXX then asked what I would do about the debt. I explained that I could not pay it at the moment. He then started asking if I could borrow the money. I explained no one will lend me the amount. He then proceed to call me lazy and not willing to work with them, he even went as far to say he is debt free and was not a dead beat like me. I then was reduced to tears and asked him kindly not to call me he said he would continue. I then stated it was a cell. He then agreed to discontinue communication. As I hung up he called me a joke of a man. When I complained to XXXX XXXX and there quality control Specialists they then sent the debt back to speedy cash " the original debt ''. Speedy cash did take another complaint but I have asked numerous times for an apology or just someone to aknowledge my complaint. I have left numerous messages with XXXX to call me back and she has failed To do so. The debt is no longer an issue because speedy cash said it is taken care of. So there is no more debt all I 'm seeking is an apology or aknowledgement of my complaint.

Company response to consumer: Closed with explanation