vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
I have been fighting, at my own expense, mortgage servicing fraud since XX/XX/XXXX after obtaining a high interest only loan from XXXX XXXX in XX/XX/XXXX. 
Because the home was severely underwater I was not able to refinance and was told I could not apply for a modification because I was in XXXX XXXX bankruptcy. Eventually I was approved for a XXXX XXXX Streamline Modification and made the three trial payments. I was sent a Modification Contract that included approximately {$28000.00} for escrow not owed and for interest payments that had not been credited. The servicers, XXXX then XXXX XXXX would not voluntarily correct the errors and I spent about two years fighting them in the Bankruptcy Court. They could not explain how my escrow could be XXXX due in XXXX XXXX but I owed {$14000.00} in XXXX XXXX after they paid {$1600.00} tax in XXXX XXXX. They more than doubled my monthly payment and would not voluntarily correct it and would not let me proceed with the XXXX XXXX Streamline Modification because I would not sign it with the errors in it that would have illegally obligated me for an extra {$28000.00} not owed. 
After my bankruptcy was completed I applied for a HAMP Modification with the newest servicer, Caliber Home loans. I was assisted by XXXX XXXX XXXX, a HUD authorized Housing Counselor. XXXX XXXX XXXX assisted in filing all the necessary forms and afterwards we would receive a letter from Caliber each month asking for a completed application, tax request form, and most recent income verification. XXXX XXXX XXXX repeatedly submitted the requested documents and asked me for new profit and loss statements each month to accommodate Caliber 's monthly requests. Although all of the requested documents had been sent and resent I received certified mail on Saturday, XX/XX/XXXX from Caliber 's attorneys, XXXX and XXXX ; giving me 10 days notice of a Trustee Sale. I contacted XXXX XXXX at XXXX XXXX XXXX on Monday, XX/XX/XXXX and she contacted XXXX and was told that since all of the required documents were not submitted 25 days prior to the scheduled sale date, even though they had been, Caliber could not and would not stop the sale. XXXX XXXX told me that it was an underhanded and unreasonable action and that the 10 day notice does not meet the 30 day notice required by the Virginia Code. She suggested that I file a complaint with the CFPB and contact an attorney to file for Chapter XXXX Bankruptcy Protection. At that time I was being treated at The XXXX XXXX XXXX XXXX XXXX Hospital in XXXX, VA and I had to interrupt and postpone my treatment to return home, find and retain counsel to file an emergency petition to save my family home. On Monday XXXX XXXX, XXXX, I received four identical letters from Caliber, dated XXXX XXXX ; thanking me for sending the additional documents and advising me they still needed additional documents to proceed with the modification review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: AL

Complaint narrative:
I sent request for information, about payment, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 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:
Global receivable solutions has called my place of business 10 times in 1 hour. Both owners have called and told them to remove our number and they immediately called back 3 times in 90 seconds. We are a very busy restaurant and do not have time to be answering the phone when it has nothing to do with our business. They would n't even tell us who they were looking for nor let us speak to a supervisor. Every time we tried to speak they would interrupt us with the same statements over and over. 
It should not take 3 calls to get them to stop. Nor should they call anyone 10 times in one hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: MN

Complaint narrative:
My loan was with XXXX XXXX XXXX, I had a direct phone number to my single point of contact in the CEO 's office, she promised to call me within 1 day or I could call her manager 's direct line for help, My single point of contact called me at least once a week to update any status and inform me of anything that was needed for a modification. 
This all changed with Caliber Home Loans, you receive a general phone number and one one of XXXX " single point of contacts '' answer your call and say they all are your singlepoint of contact. Each of these " single points of contact '' is more clueless than the next and have XXXX knowledge of me, my loan or my current needs or modification situation. 
I do not have any direct line for my Caliber single point of contact and have never received a return call from him. This situation is unacceptable and violates all the rules ofand purpose of having a dedicated single point of contact to work with you who understands your file and situation. I need to be assigned a real single point of contact ththat is compliant, with a direct phone number in the CEO 's office just like I had at XXXX. Please assign me a Single point of contact in the CEOs office of CaliberHome Loans ASAP. The current situation is totally unacceptable and noncompliant. 
Please conform to the rules of proper modification management and compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
The loan that was taken out in my name, was not taken out by me. It is a fraudulent crime. The social security number on the document, the collections company that speedy cash sent my loan to sent me the document of incorrect information used to access the loan, is incorrect. How did speedy cash not make sure the person taking out the loan is actually the person. The social security numbers did n't add up, should 've been a reg flag there. I would like for the loan to be removed from my credit report and for the company, speedy cash, to pay me for the years of bad credit ruining my chances of investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
I went ot court in XX/XX/XXXX for an garnishment hearing on this loan in the court it was staified they did not closeout the garnishment and they This company will not send a close out to my job on this garnishment and they where able to go bavck to courk XX/XX/XXXX to court and win another XXXX from me in court. How is this fair pracices and i still havenot recieved anything from the company saying the garnishment has been statified

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Weinman Acquisition Group
State: NC

Complaint narrative:
To Whom it may concern : XXXX XXXX from Weinmamn Acquisition Group called me today XXXX XXXX. He stated that I owed a debt that I told him repeatedly, That i had not taken out. At the time i allegedly took out that debt I was XXXX years old living with my mother. I never took out any debt or credit until i was at least XXXX. Despite the fact that I adamantly denied being responsible for this debt I felt pressured to sign the repayment agreement that he sent me because of his threats and coercion. I was told that if i did not sign it a sheriff would show up at my house and i would get judgment put on my name. I was told that i would have a judgment placed on my credit if i did n't sign regardless if it was my debt or not. He continued to threaten me. And even told me that he talked to the attorney to see if they would settle the debt for XXXX, even though i said i did n't remember opening this and I 'm only doing this because i want my house and i do n't want a judgment place on my name. Thinking i was going to get sue and have a judgment place on my name and threats of having attorney sent down and it would cost me close to XXXX. He even said though this is not my debt, its my best option to settle for XXXX. 

After speaking to several people in the financial industry who told me about the debt collection process and my rights in this area i was told to file a complaint with this bureau. I signed that repayment agreement under duress. I contacted the company that i had the alleged bad debt with and they confirmed that I did not owe them anything. I felt that i was lied to, threatened and manipulated. I want the agreement that i signed revoked because i only signed it based on untrue threats and manipulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
for several months we are getting calls from Harris and Harris several times a week. We did call back XXXX, the debt belonged to someone else who does not live or has ever lived at that phone number. we informed them and asked them to stop -to no avail

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Lustig, Glaser & Wilson, P.C.
State: NY

Complaint narrative:
Entered a judgement against on a debt in which the statute of limitations has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am applying for a home loan and was asked to pay off a debt from Midland Credit Management. I reached a settlement with them and paid {$620.00} and they agreed to report it on my credit file as paid in full less the full balance. On my credit report, MCM erroneously reported on my report in the comments section that I missed a payment of XXXX. Because of this false statement, I can not get a home loan because it shows I was late on a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA
State: PA

Complaint narrative:
I have made payments in excess of the amount due on the loans. I did this a few times until I noticed that my balance due was XXXX. I continued to make payments in excess of the amount due however they were now only going to interest or nearly all going to interest. There is no way to know what the interest owed for the period is on each loan. This was a year ago. I called and complained telling them that I wanted a detailed listing of interest accrual by loan since I have XXXX loans so that I could balance out what I have paid to what they have posted to my loans. They could/would not provide but tried to talk me through it. I ended the call by telling them I wanted any additional payments to go to the higher interest loans instead of the lower interest ones which is what they had been doing. I also wanted them to stop sending me bills with no balance due if there was in fact interest due that they were going to apply my payment to. They said I needed to send the request in writing which I did. 
A year later my wife who is doing the payments complains that she does n't understand the billing still. I go on and it is still showing paid ahead with no balance due and payments being made almost exclusively to interest. The little that they do apply to principle is applied to the lower interest rate accounts. So I call again about the issue. The service rep tells me that they have no record of my request and that I need to request it again and they are doing everything in accordance with the agreement and cant change how they are billing. I explain I already sent in the request. She said they do n't have it so I would have to send it in again. I asked for a different channel than the email that they had me use last time and she said they do n't have one. Then she went to her manager because I would n't accept that answer. Suddenly they did have a form letter that they could send me. When I asked if there was a way to verify the documentation so that I would not end up in the same situation with them having conveniently not receiving it and having no evidence it was sent she was very uncooperative and I had to basically pull it out of her if there was a way to track it other than certified mail which I did n't want to do. In the end this company since purchasing my student loan has done nothing but underhandedly try to hide where payments are going and not apply payments as requested in order to maintain higher interest payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I have attempted to contact American Express since XXXX regarding my Platinum Account which has now become delinquent due to their lack of action and personal hardship. The purpose of all three letters was to establish some form of payment arrangements. ALL XXXX letters sent to AMEX via USPS were blatantly ignored - I never received any response and/or even acknowledgement of receipt resulting in $ 1000+ in fees. 

During this same period, I made smaller payments to show I 'm not trying to disappear. As a last ditch effort and show I have gone above and beyond/my due diligence, I went as far as emailing AMEX 's Chief Executive Officer. Only then did I receive a callback from their Executive Office which pretty much told me thank you for your letter, but we ca n't really help. When asked about the letter I had sent to their XXXX HeadQuarters 10+ days earlier, the representative said it was my email that caused them to contact me not any letter ... AMEX refuses to admit they dropped the ball. Despite numerous phone calls, AMEX 's " representatives '' essentially read from a script in XXXX XXXX, XXXX claim they can only offer XXXX option which is far from feasible. When asked to be transferred to someone in the US or a supervisor they claim they are a " global company '' and this is not possible - I have never been able to speak with an American representative nor supervisor during this entire process aside from the individual from their Executive Department - I have been stonewalled by their representatives in XXXX XXXX which claim they can only offer what the computer generates/do nothing more. 

I am a student in the process of trying to figure out what to do with life, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland funding is reporting a collection for an account ( Account number XXXX ) that has never been validated, has been paid off AND, has re-aged the account to do harm to me, AND is over the FCRA reporting time. This single account violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX, and FDCPA Section 806. The account was for XXXX XXXX XXXX XXXX / XXXX. I paid XXXX off many years ago. I contacted Midland and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX. That is false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I am negotiating a Short Sale and XXXX is my servicer. I have received several offers but they never seem to go through. 
I believe that XXXX is using fraudulent appraisals to make the house appear to be worth more. The house is destroyed without a working heating plant, with no kitchen and no appliances and yet XXXX feels that the house is worth more than houses on my same street that are in move in condition. 
I have attempted to convince them but they are doubling down on their fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
i made a settlement XX/XX/XXXX. Now XX/XX/XXXX I am being offered yet another settlement on an already paid debt. 

Its been 12 years and now im expected to have receipt on hand. I have GOOD credit. There is no negative on my credit report for many years. 

I have maintained a good credit rating for many years and do n't owe any monies to this collection agency or its affiliates. 

thank you for your time. 

with respect,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
On XX/XX/XXXX I received a letter from Midland Credit Management , Inc . Requesting payment on a balanced I settled back with the attorney office XXXX, XXXX, XXXX XXXX XXXX. XXXX representing the original debt owed for a XXXX XXXX credit card in which Midland Funding LLC was the acting debt collection agency. 

On XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX agreed to settle the {$910.00} debt for {$530.00}. I sent the attorney office the requested {$530.00} payment certified with a XXXX postal office money order. The payment was received on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX, XXXX, XXXX XXXX XXXX XXXX stating " as the attorney for the creditor on the above account, I certify that the above account has been settled signed by attorney XXXX XXXX XXXX. My credit report was only updated to show I no longer owe {$910.00} but now owe {$370.00} balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-30 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I have a charge off on my credit report and then it was sent to a Debt Buyer. It was with XXXX XXXX Bank and the debt company is Midland Funding. The amount was {$460.00} the account was open XXXX. I have never has a credit card in my life so I need to find out how this happened and how to get it taken off my credit bureau?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express continues to call me at work ( due to late payment ) 3-5 times a day. I informed them the first time they called that I can not receive these phone calls at work and provided them with my cell phone number. As of this afternoon, the calls continue to come in. My employer is not happy and I have already been verbally reprimanded for these calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have tried to settle by offering an amount I understand it 's fair.. these people do n't care and they do n't want to settle for other amount other than what they said..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
On XXXX XXXX, 2016, I was informed by a loan officer from XXXX XXXX XXXX XXXX XXXX Bank that my mortgage application would be denied because she had talked with XXXX, XXXX, XXXX and XXXX, XXXX about a debt judgement between myself and XXXX debt collection companies that the firm is representing. This is a direct violation of the Fair Debt Collections Act. Because of the communication between the firm and the bank, I lost a morgage that could have reduced my interest rate and equity that would have paid off all current credit debt, freeing our finances up to pay off the judgement amounts in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express first rewarded me with XXXX points for meeting the minimum spending. Then they took away from me accusing me not meeting minimum spending and previous had the card, which are both not true.

Company response to consumer: Closed with explanation