vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NV

Complaint narrative:
Caliber Home Loans gave me a courtesy call after the denied my last claim XXXX. The representative was very nice,, but had very little information regarding my case. After more than 40 minutes on the phone, she advised me that my escrow balance we incorrect because I did not make a payment in XXXX. I was also told that my escrow account was converted to a ancillary account. I went back to the office and researched my bank records, and I did find my XXXX payment which had cleared. I did call back Caliber Home loans the next day, after i was transferred to 3 different representatives and verified my billing address the same number of times, I spoke to a representative named XXXX, employee number XXXX. After 20 minutes on the phone, I was told that the XXXX payment was actually made and the previous person did not dig deep enough. 
I asked XXXX that Your monthly payment for Principal and Interest ( P & I ) is {$790.00}. You made a payment on XX/XX/2016 of {$1200.00}, with {$400.00} going to escrow and you made another payment of {$1200.00} on XX/XX/2016. You later made a payment of {$1500.00} on XX/XX/2016, with {$700.00} going to escrow and another payment of {$1500.00} on XX/XX/2016, with {$700.00} also going to escrow. Therefore, you believe four ( 4 ) payments, totaling {$2200.00}, should be deducted from your escrow balance. The past due escrow of {$8500.00}, less the {$2200.00} should leave {$6300.00}. 
I asked him how XXXX got their balance and he responded " That is just the way it is '' I was also told that I need to call the escrow department, that he did not have any numbers to help me, I told XXXX, that my account was switched to Ancillary and XXXX told me that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 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: Sentry Recovery and Collections, Inc.
State: NM

Complaint narrative:
I checked my credit report and I seen this account in collection for {$3200.00} for an old apartment My Ex boyfriend and I had together. When I turned in the keys to the apartment my ex boyfriend made payment arrangements with the office and the total owed was only {$2200.00}. I thought this was taken care of by my ex. I attempted to email the debt collector requesting verification my email was returned and it said it was undelivered and it was the correct email I got off from there website. However I was never contacted by this debt collector I was never given an opportunity to dispute or get verification of debit. I just want to avoid legal action because right on there website it says they will sue anybody if they do n't pay. As a consumer I know I have rights and I feel this debt collector is not following the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
Speedy Cash took {$1000.00} out of my bank account without my permission on a {$300.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I discovered a collection account from California Business Bureau recently. I knew nothing about this bill because they never contacted me before placing it on my credit, which by law, they are required to do. I immediately disputed it with all XXXX credit bureaus and they have 30 days to contact the original creditor to verify the account. They responded back in a week that they had done so and the account was indeed mine. However, I contacted the hospital office that they were supposed to and they assured me that they had NOT heard from California Business Bureau AT ALL. Which means they are committing fraud and violating the FCRA. I did research into California Business Bureau ( XXXX, XXXX, etc. ) and this is how they conduct their business on a daily basis. They regularly threaten people to make them pay bills, illegally take money out of people 's bank accounts, give people fake account numbers so they payments do n't credit, pretend to be linked to the State of California and exactly what they did to me, reporting a collection account to the credit bureaus without notifying the person and more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: IL

Complaint narrative:
3 years ago I and my mother in law rented the apartment at XXXX XXXX in XXXX, IL. My mother in law 's health deteorated very much that after 2 weeks of living there she had to move and be closer to her doctors and hospitals. Plus she needed a 24 hr caretaker. We notified the office that we have to move and we ca n't afford to pay $ 1500 monthly rent for XXXX bedroom apartment. After 3 weeks of living there we were released of the lease because of a loss of co-resident due to illness. We returned the keys and apartment was checked and everything looked fine. I asked the manager XXXX 5 times to give me in writing that I do n't owe anything and she said do n't worry you do n't need anything in writing you are free to go. After 3 years has passed she send me to a collection for {$2100.00} without any notice. No phone call, no letter nothing. Yesterday I got the first letter from collection agency. She could have told me from the beginning that I will owe this amount, but no she lied to me. I tried contacting her regarding this and she was rude and incosiderate towards me telling me if I call XXXX more time she will report me for harrasement. Kept hanging up the phone on me. So now my credit score is XXXX points down and I ca n't apply for any credit or loan. By the way I found out I owe this by applying for the loan. I did n't know about this until last month when I applied for a loan and they denied me stating that this amount was posted in XXXX of 2016. I need this amount to be taken out of my credit report since is posted there wrongfully. Please help me and my mother in law XXXX XXXX to get cleared of this debt. Please find the attached copy of the lease and on the second page I highlighted the part where it says that we are released from the lease. Thank you so much. 
Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 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: ID

Complaint narrative:
I am XXXX and in poor health. Though on the Do Not Call list, I continue to get recorded robocalls from this company. If i answer, they want to put me on hold. If I do not answer, they never leave a message. Caller ID shows Global Rec Sol. My research indicates they are agents of Global Receiving Solutions, a wholly owned subsidiary of Alorica. I have absolutely no business relationship with this company and have never owed a debt to them or any other company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: KY

Complaint narrative:
XX/XX/XXXX my mortgage was involuntarily sold to Caliber Home Loans.I find Calibers monthly statements to be confusing, and phone support to be virtually non-existent. XX/XX/XXXX, Caliber made statements on phone that were not reflected on following statements.They finally stopped taking my calls.As a result, I filed a formal complaint with XXXX on XX/XX/XXXX XXXX attached ). After several tries, XXXX got the issues resolved. However, at no time, did Caliber communicate with me, nor offer an apology. A year later, XX/XX/XXXX, basically the same issues happened again XXXX perhaps retaliation ), resulting in a just submitted second complaint to XXXX XXXX attached XXXX. 
Unfortunately, the XXXX has also began ignoring my calls, necessitating this complaint to the CFPB. Can you help me with my current complaint, as well as continuing problems with this horrible mortgage company I am stuck with, whose statements are always confusing, sometimes inaccurate, and whose customer service is non-existent and getting worse!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: NV

Complaint narrative:
Plus XXXX just reported an outstanding collections with XXXX of XXXX stating I owe a medical bill. This bill was paid/settled out and was to be removed from my credit file. Now I am closing on a home loan and can not now due to this inaccurate information listed. I need some quick help.

Company response to consumer: Closed
Consumer complaint received 2015-07-11 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
I applied for this payday loan in XXXX of 2014. I borrowed XXXX. At least I thought this was a payday loan. I told them I received my pension on the first of each month. I have been paying XXXX a month for an entire year. So far I have paid XXXX dollars on this loan with only XXXX going towards paying off the loan. I did not know this when I took out the loan. I am on a fixed income right now and this is destroying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
Last month I filed a complaint against Caliber Home Loans regarding my payment for XXXX. My payment was finally processed but now they have not credited my account for my XXXX payments for my Principle, Interest, Escrow and addition principle I have paid. They processed my XXXX payment and those amounts are showing on my online account but all of XXXX is missing. I have attached paperwork with what is showing as of XXXX/XXXX/2017 and what the totals should actual be. I want this resolved ASAP! I have sent numerous emails and all have gone ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Alorica Inc.
State: MT

Complaint narrative:
I am not sure if my loan is federal or private. when I received the loan in 2001, its was explained to me as a federal loan. Now according to the Government I owe them nothing, and my loan has been given to a private lender/collections company. I was contacted once by this company, then I was sent a letter telling me that my wages will now be garnished, at 15 % to 25 % or {$430.00} a paycheck. after looking over the paperwork they sent me, there is no judical signature, which tells me it has not been approved by a judge. I am will to repay this " loan '' without all the taxes and penalties and to original loaner. This company ignored my request to know who they are and where they are located, until I called them directly off the notice that was sent to me. They offered a settlement of XXXX in cash .... after I badgered them on how to get me out of this " garnishment '' then they gave me other offers, and requested ( I did not provide ) my credit card or debt card information. They said they could only send me the information, and the garnishment would go on until the courts gave a verdict, and they said the courts are only available in XXXX ( I live in Montana. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 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: GA

Complaint narrative:
The company is West Asset Management. They have called me several times, and each time they ask for a different person. I have been told XXXX times that they will take my number off of their list.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
XXXX and Comenity Capital Bank XXXX XXXX XXXX OH XXXX XXXX for account number ending in XXXX has harassed me since XXXX by charging me a late fee of {$37.00} for a balance that was paid in XXXX 2016 in full. I have called and asked this to be corrected and they have refused. They continously report this to the credit bureaus monthly driving my score down over XXXX points since XXXX 2016 EVERY MONTH. 

I reported this to you in XXXX and still not resolve? When can I expect some help from you with an issue that is clearly out of control and unfair? They now have a balance of {$130.00} built strickly from late fees and interest that they are reporting which is incorrect and should be XXXX as this bill is paid. 

The original credit limit was only {$250.00}. I made orders and paid them faithly on time each month. Only when I paid the balance off did they start the antics to continously collect funds an keep me in debt. 

Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
I had an account with XXXX XXXX when i was going through a bad divorce, i fell behind and the account was charged off and sent to collections. i am now trying to settle this account with the law firm handling the collection and they are n't giving me any information, XXXX has my balance at XXXX and this law firm is trying to charge me XXXX they wont give me a break down of the charges that got them to that number and they stated that they are charging me interest on this. i would like any help you could give, the law firm handling this matter is Weltman , Weinberg & Reis XXXX ex XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PlusFour, Inc
State: FL

Complaint narrative:
I have contacted this company on several occasions to send me validation of the debt for a medical bill, and they have failed to do so of any signature. I have also contacted them to let them know that I never signed any paperwork releasing my medical records. Which is a HIPAA violation. They refused to work with me so I than contacted XXXX to get this debt removed, and sent a certified letter letting XXXX know that this a HIPAA violation because I never signed any paperwork releasing any of my medical information.

Company response to consumer: Closed
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Fitzgerald Goldman & Associates, Inc.
State: TX

Complaint narrative:
They said if I did n't set up a payment plan that they were going to file charges in court and I would go to jail if I did not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alorica Inc.
State: OH

Complaint narrative:
A medical bill of mine was turned over to collections. I filed for medical assistance and everything on my account was credited including the account sent to Global Receivables. I have contacted them several times and sent the credit notice to them, along with a copy to XXXX and XXXX and I can not get it removed from my credit report even though I have sent them all copies from the hospital that I do not owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Hello, I am receiving emails from Union Bank regarding email update, confirmation of password change, and alerts of large withdrawal on an account that I DO NOT have with this bank. I have contacted them a number of times, they confirmed with my social security number that I provided, that I do not have an account with this bank. To confirm that I do not have an account, thinking that there might be identity fraud involved, an Experian credit report showed that I do not have account with this bank. At the last time that I contacted them in early XXXX, I was transferred to speak to the local branch manager. She said that she would investigate and contact me, which never happened. 
In a nutshell, I am receiving Union Bank emails that do not belong to me, as I do not have an account with this bank. Contacting them about the emails has not stopped in my getting these emails. Whoever this account belongs to, that person is not getting the emails. 
ThanksP.S. Will be attaching the emails. They were sent to my XXXX account, which I have set up to forward to my other personal email account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I called the company and they didnt want to hear that the debt was not mine. Stated repeatedly that it was owed because " it was under my name '' I have not used XXXX in YEARS and the information and debt letters were sent to my mother 's address. An address I have not lived at for over 10 years. I requested to get this removed and disputed this with them as well. I keep receiving letters with them sent to my mother 's home in regards to this and I 'm NOT happy!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alorica Inc.
State: IL

Complaint narrative:
XXXX SHOWED UP ON MY XXXX CREDIT REPORT. THIS COMPANY IS ILLEGAL AND CAN NOT LOCATE IT ANYWHERE. ( SEE MY CREDIT REPORT DATED XXXX ) THEY RAN MY CREDIT ON XXXX/XXXX/2015 AND AGAIN ON XXXX/XXXX/2015 AND CALLED AND STATED THEY ARE TAKING OVER WEST ASSET AND GAVE A PHONY NO. XXXX, WHICH I CALLED AND IT WAS XXXX? THIS IS A FRAUDULENT INQUIRIES AND WANT RESTITUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alorica Inc.
State: PA

Complaint narrative:
Visited XXXX XXXX XXXX in XXXX and updated address on patient form. XXXX was sent to address from XXXX year prior and I never received correspondence. No calls were received. 
On XXXX, the collection showed on my credit report so I immediately investigated and called XXXX and paid the balance owed of {$150.00}. I was told at that time the collection would be removed from my account due to circumstances. 
The collection is still showing on my account as a {$0.00} balance and the derogatory remark remains. 
I called the accounting team at XXXX and was advised they would not be removing the collection remark from my account as I " should have known '' there was an outstanding invoice. This is their billing error due to the fact they did not update my address with corrected/new information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC
State: VA

Complaint narrative:
This debt was wrote off and paid. I have no contract with this company and do not owe this debt. I requested verification and received nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
I filed for Chapter XXXX Bankruptcy in XXXX. In the Bankruptcy my home loan mortgage with XXXX was included. This debt was discharged in late XXXX. In XXXX the loan that was discharged in my Bankruptcy in XXXX was sold to Caliber Home Loans. Caliber Home Loans began reporting late payments on my credit report in XXXX and throughout XXXX. I contacted Caliber Home Loans and asked them to stop reporting late payments on my credit reports. I supplied proof of the Bankruptcy discharge to Caliber Home Loans and their attorney, XXXX XXXX XXXX. I explained that I never entered into any loan contract with Caliber Home Loans. They refused to remove the negative information from my credit reports. The loan shows on my credit report as closed. I would like to have Caliber Home Loans entire report to the XXXX credit bureau 's removed from my files as the reporting of late payments has affected my credit score for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NJ

Complaint narrative:
The Creditor is continuing to collect on the debt and utilizes numerous agencies after I provide a formal dispute. They are actively collecting this disputed debt in violation of FDCPA.

Company response to consumer: Closed with explanation