vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
Caliber Home loan is delaying payment processing time online to collect late fees or processing fees over the phone. The company grants you a 15 days grace period to pay your mortgage but I logged online to their website at XXXX EST on Friday morning, XXXX/XXXX/2015 and it states that the my check payment will not post today but rather Tuesday, XXXX XXXX which will in turn cause a late fee. I have processed several payments online for loans, like credit cards and car payments and the check payment is posted the same day and will be pulled out 5 days later on average. I do not understand if I make a payment on Friday Morning why would it take 3 business days to be posted to my account. Friday is a business day and what happen to Monday. The company selected Tuesday because a {$34.00} late fee would apply to your account. Late fees are " Extra Income '' for the company and I am sure that this is where the company 's bonus is coming from. To avoid a late fee charge, I called to make a payment over the phone which is a {$15.00} fee. I used the same checking that I was going to use online so why is n't there a delay over the phone? The company is not working for the best interest of their customers or creating a win-win for their customers but rather working in the best interest of their shareholders. I do understand that this is a company that operates off of capital but I do think that they should be fair and ethical. They are working the system and it 's unfair and needs to be stopped or the company needs to be fined!!! I would like my {$15.00} credited back but also for Caliber Home loan to change their payment posting delay online because I know that they could have posted that payment on Monday instead of Tuesday.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-17 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: Lazarus Financial Group, Inc.(Closed)
State: CA

Complaint narrative:
I WENT THRU SMALL CLAIMS COURT IN XXXX AND SUED THE XXXX FOR THE COST OF DAMAGES OF MY BELONGINGS BEING DESTROYED IN A STORAGE UNIT. THE JUDGEMENT FOR THE ORDER WAS THAT I WAS TO HAVE ACCESS TO GET MY BELONGINGS AND XXXX GROUP WAS NOT TO TRY TO COLLECT ANYTHING FROM ME AS I HAD A XXXX BALANCE. ON OR ABOUT XX/XX/XXXX I RECEIVED A LETTER FROM XXXX STATING THAT I OWED XXXX XXXX. I CALLED XXXX AT LAZARUS XXXX AND EXPLAINED THE SITUATION. I THEN MAILED THE COPY OF THE JUDGEMENT ON XX/XX/2016 AND THEN I NOTICED THAT THE COMPANY PLACED ON MY CREDIT. I TRIED TO REACH THIS COMPANY FOR XXXX WEEKS STRAIGHT AND THE PHONE JUST RANG, I WAS UNABLE TO LEAVE A VOICEMAIL AND NO ONE RESPONDED TO EMAILS. I THEN EMAILED ANOTHER COPY OF JUDGEMENT FROM THE XXXX COURTS ON XX/XX/XXXX. XXXX CONFIRMED RECEIPT AFTER NUMEROUS ATTEMPTS TO REACH THEM ON XX/XX/XXXX AND TOLD ME THAT HE DID N'T BELIEVE THIS JUDGEMENT AND HE HAD TO TO FURTHER RESEARCH AND WOULD NOT REMOVE IT. IT HAS NOT BEEN XXXX AND THIS DEBT IS STILL ON MY CREDIT. I HAVE A LEGAL ORDER THAT I DO NOT OWE THIS COMPANY ANYTHING AS MY ITEMS WERE COMPLETELY DAMAGED AND THEY WAITED XXXX AFTER COURT TO SEND TO COLLECTION AGENCY WHO DOES NOT RESPOND. I AM SEEKING THAT THIS COMPANY REMOVE THIS FROM MY CREDIT AS IT IS NOT VALID AND IS BEING ILLEGALLY REPORTED. I AM A SINGLE MOTHER IN THE PROCESS OF GETTING A HOME AND THIS IS PREVENTING ME MY MAKING MY CREDIT SCORE DROP.I NEVER RECEIVED ANY CORRESPONDENCE AFTER COURT DATE FROM COMPANY SHOWING BALANCE OR ATTEMPT TO COLLECT TO RESOLVE. FIRST LETTER WAS IN XX/XX/XXXX FROM LAZROUS GROUP

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2016-01-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: MN

Complaint narrative:
I filed Bankruptcy in XXXX of 2014 which excluded my home and truck : XXXX were exempt and it states it on the Court documents. My mortgage company, Caliber Home Loans, has listed my house on Bankruptcy status since that date for which it was exempt but I just found this out recently and the mortgage co. informed all the credit bureaus also that it, my home, was in Bankruptcy status also, which I have a recent letter from them stating they informed them, so when I was getting credit help they stated that prior reporting was accurate and the request to remove anything they were unable to do. 
I went to get preapproved for a home loan and the Loan Officer told me that it was under Bankruptcy so I would not be able to get a loan for 7 years. 
I have been in contact with my mortgage co. and they know it is exempt but will not remove the status and I have been shuffled from person to person. My credit is bad enough without this but not as bad without this on it. I want it to be taken off my credit reports, all XXXX, and reflect that it was knowingly put on the credit report information that was not correct. 
information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CURO Intermediate Holdings
State: NM

Complaint narrative:
I received the attached email from Speedy Loans threatening to take me to court and have me arrested for a debt that was discharged on XXXX/XXXX/2010. I have not taken out any other loans with this company since 2010 so not sure why they are contacting me and threatening me. I think I received a call from them about 2 years ago and when I asked them for information they had on me for this loan, they gave me a social security number that was not mine and I told them that at the time. I do n't know what this is all about but now they are sending me threatening emails to my work place. I was working for the same company when I filed my Chapter XXXX BK. They did not provide a phone number, only an email address to respond to and the sender is using a " gmail '' email address. This is the email address they want me to respond to : XXXXXXXXXXXX XXXX mailto : XXXXXXXXXXXX I have also attached a copy of their email communication regarding this debt. All they have is a case number but no account number either and they want almost {$9000.00} for a debt that they have on file for {$840.00}! Your assistance with this is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Lazarus Financial Group, Inc.(Closed)
State: CA

Complaint narrative:
I applied for my credit report, when I noticed items on my credit that I have never seen before, so I called the credit agencies and told them that items on my report were incorrect and they needed to be removed because I did not apply for them. 

They told me to file a police report and indicate what happened, which is why Im currently filing this complaint. Someone that Im not aware of used my identity to gain access to my credit and used it for what I did not authorized.

Company response to consumer: Closed
Consumer complaint received 2016-09-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
My bank, Union bank has changed several policy 's without notice or consent regarding Electronic funds deposits and normal business deposits ie : Saturday availability no longer exists, placing a 2 business day hold on all EFT deposits therefore limiting banking days to 4 per week. Union bank has also without consent and specifically against my written instructions to opt out of overdraft products re-enrolled me without notice or signature expressing my wishes to participate in this product. I have been charged hundreds of dollars for services I do not want, and the bank is violating it 's fiduciary duty by hiding deposit monies or making funds not available to me as an account holder for excess periods of time with the intent of generating " fees ''.

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

Complaint narrative:
Portfolio recovery associates.is reporting an old debt that is too old to collect and show on credit report. The original debt was from XX/XX/XXXX originally delinquent XX/XX/XXXX and written off by the origin creditor, XXXX, XX/XX/XXXX. Portfolio Recovery is now showing an open date of XXXX XXXX with recent derogatory marks on my credit report. This is an old debt and should no longer be reported. I did contact the original creditor and they confirmed the dates and the fact that the debt is too old to report on credit report.i have made several attempts to dispute this with credit reporting agencies but nothing has worked

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I went in speedy cash on XX/XX/XXXX2016 to apply for a loan but I was told by a speedy cash rep. That I already had an existing account with them.I told the speedy cash rep. That the existing account was not mine and I have never gotten a payday loan from speedy cash.so based on the existing account not belonging to me I have been permanently blocked from getting a payday loan from speedy cash.

Company response to consumer: Closed
Consumer complaint received 2017-01-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Caliber home loans " contacted me by mail to refinance my mortgage they now hold my XXXXmortgage I was put in touch with a loan officer XXXX and before a loan officer XXXX XXXX he told me caliber will add all our credit cards and auto loan and pay them off and add this amount to our new mortgage at a XXXX percentage for 20 years and caliber would pay all costs at closing I would only pay appraisal cost the loan officer told me all was good with the loan and removed XXXX dollars from my XXXX XXXX card caliber drug this out for over 3 months now they said they would not approve loan because of credit limit to high caliber was to pay these off at closing I have contacted you about this earlier but with less information thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
I have XXXX collections totaling {$3600.00} on my credit report that do not belong to me. The collection agency is Thomas Agency and the hospital that the bills are coming out of is XXXX XXXX. I have contacted both the hospital and the collection agency in reference to these bills and to no avail. I called both 2-3 months prior to inquire as to what the bills were for exactly. The ailments the hospital said I had gone in for ( a XXXX, for example ) were something I had not gone to the hospital for. In fact, I have lived in XXXX, ME since 2011 and have not gone to this hospital as it is in XXXX, ME. I have never received letters or bills in regards to any of these collections - I just noticed them on my credit report one day. When I called the collection agency to have them send me an itemized bill, I verified my address and was told I would receive something in 7-10 days. 2-3 months later and I have still not received anything. I did an online search for their Web site and noticed a place to make a payment. I thought that if I clicked on " Make A Secure Payment '' I would be able to see what I owed or, at the very least, how much I owed. However, there is just a rough looking form for me to enter in my name and credit card information. This site does not seem trustworthy to me at all. I am very upset at the fact that I have disputed these collections once already and they were verified as being valid ( somehow ). I really need some relief at this point because my credit score is hurting for collections that do not and have never belonged to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: MN

Complaint narrative:
XXXX/XXXX/XXXX - Received a bill from XXXX XXXX for {$220.00} Plusfor ( a XXXX debt collector ) reported this debt on my credit report although I have never received any communication directly from Plusfor. Apparently they assigned the collection to XXXX XXXX ( a XXXX debt collector ) as I was a XXXX resident. 
XXXX/XXXX/XXXX - Received a collections notice from XXXX for {$220.00} XXXX/XXXX/XXXX - Sent my HSA account debit card information to XXXX to settle the debt of {$220.00} XXXX/XXXX/XXXX - Called XXXX to confirm they had received my payment information because there had been no transaction on my account. They told me the card had been declined. I asked them to run it again and they told me that once again it had been declined. It turns out that XXXX can not take an HSA payment which is why it was declined. They agreed that I pay XXXX XXXX directly. 
XXXX/XXXX/XXXX - Called XXXX XXXX and paid outstanding balance of {$220.00} XXXX/XXXX/XXXX - Called XXXX to let them know that I had paid the outstanding balance. They informed me that they would get confirmation from XXXX XXXX ( via Plusfor ) and close my account. 
Some days later I talked with XXXX XXXX XXXX at XXXX to confirm that everything was in order. He told me that Plusfor had informed him that there was still an unpaid balance of some {$95.00} - they did update the credit report item from the original {$220.00} to {$98.00}. 
I have followed up several times with all parties : XXXX are clear that my account has been paid in full, Plusfor refuse to talk to me, XXXX XXXX XXXX XXXX XXXX keeps telling me that I still owe some {$95.00}. 
XXXX/XXXX/XXXX - XXXX XXXX XXXX called me. He told me that Plusfor still showed that I had an outstanding debt of {$95.00}. I told him that I had paid the bill in full and that if there was an outstanding debt he should send me the proof - he refused. He said that he had looked at my account on the XXXX XXXX website ( surely a HIPPA violation ) and he said it showed an outstanding balance of {$95.00} - this is not true - the balance shows XXXX following the payment of $ XXXXthat I made on XXXX/XXXX/XXXX to XXXX XXXX. 
Plusfor continue to report a non-existent debt on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX continues to insist that I pay a non-existent {$95.00} debt. The tone of XXXX XXXX 's communication on XXXX/XXXX/XXXX, when he called me, felt like I was being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
In a recent response from Caliber for case XXXX ( under the assistance section ) it was stated that it was unclear as to why I contended that Caliber has failed to offer me foreclosure alternatives. Since XXXX 2013 Caliber has only asked me if I had the information for XXXX, they have not demonstrated that they want to help me keep my home. I asked for a cease and desist because Caliber representatives were so nasty and rude. Please listen to previous conversations between me and Caliber that began in XXXX 2013. Even with the cease and desist, I call frequently and have spoken with at least XXXX different SINGLE point of contacts. Each person has a different message. As recently as XXXX XXXX I was told that the sheriff sale was scheduled for XXXX XXXX by XXXX different single point of contacts. On the same day, I called Caliber 's attorney XXXX XXXX. XXXX told me that I was misinformed and asked who told me that the sale was still on for XXXX XXXX. XXXX told me that he had documentation that there was no lien against my home and that the case was in loss mitigation and would not be in a sale on XXXX XXXX. Also, on XXXX XXXX, the Caliber contact stated that either I pay XXXX or lose my home in a sheriff 's sale on XXXX XXXX that was my only option. Only Caliber 's attorney was helpful and forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
On XXXX XXXX, XXXX received a call and voicemail from XXXX regarding an urgent matter that has escalated to her desk. XXXX requested a call from either myself or my attorney. At no time, did XXXX state the reason for the call. Upon returning the call on XXXX/XXXX/XXXX, another representative informed that the call was regarding a credit card. Although, she was not certain why XXXX was calling as the account is current and there is no balance due. 

The issues I have with the customer service practices are the following : 1. the person never identified the company she was calling about 2. the person left a very misleading and vague voicemail 3. the person never left the intent of the voicemail ... is it a lawsuit, debt collection, or something unrelated to financials. Just a urgent matter I also spoke with a member of leadership, XXXX, during that conversion I was informed that her company changes scripts frequently to accommodate the frequent law changes. XXXX proceeded to inform me that it is not needed for her company to identify themselves when attempting to collect a debt. Upon question this statement, XXXX then stated it is suggested that a representative state who they are calling on behalf of but not required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I ordered an item from XXXX that was never delivered. I lodged a complaint with the website, and then followed the entire dispute process in order to have it corrected. I signed an affidavit from XXXX acknowledging that I never received the item, and followed up with the company multiple times, until the process was complete. In the meantime, XXXX advised me not to pay on the account, and that it would be frozen for the length of the investigation. My account fell past due, and racked up late fees and finance charges. After the investigation was complete, I was told by both XXXX and Comenity Bank ( lender ) that all charges would be removed, and the reporting would be corrected with the credit bureau. The charges were removed including all late and finance charges, and I thought the situation had been resolved. My wife and I are in the process of buying a home, and I have just recently found out that there is significant delinquency reported on my credit report. I have a perfect report, with the exception of " serious delinquency '' as a result of my account with Comenity Bank. My loan officer advised me that she needs a letter from Comenity in order to escalate and re-score my credit through the respective credit bureaus, however each of my attempts to contact Comenity have resulted in them directing me to the credit bureau dispute process. My wife and I have sold our home, and need to close on the one that we are under contract with - I explained this to Comenity, and that I do not have time to follow the lengthy dispute process. In addition, this is not my problem to solve - it was supposed to have been corrected back in XX/XX/2015. Further, an open credit bureau dispute could potentially cause our loan to not be underwritten. We can get a loan with my current score, but the interest rate is reflective of my inaccurate report, and significantly higher than it should be. We are out of options, and so I am asking for help from the CFPB. All I need from Comenity is written acknowledgement that my account was never past due - that any delinquency was as a result of the investigation into the item that was never delivered to my residence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I purchased a ring from XXXX in XXXX, UT, in XX/XX/XXXX, under the 60 month no interest plan through credit from XXXX Credit Card, which I was approved for. And was told that it would be about {$65.00} a month. My wife did not like it, so she found one that she liked that was cheaper. And we were told that even though it was cheaper, the price per month would be similar, or a little less on the 60 month plan. And that I would be notified by the credit card company in a few weeks. So, I get the bill from XXXX and it is for {$140.00} a month! So, I spoke with XXXX on or around XX/XX/XXXX from their customer service and he told me it was a mistake and they would see about getting it fixed, and to go ahead and pay the $ XXXX for the first month and they would work things out. So I had not heard back so I contacted them again today, XX/XX/XXXX about the issue today and they told me that since my ring purchase was less than {$3000.00}, that it could not fall under the plan. And that it fell under the 18 month plan. That is not what I was told by the store and that is not what XXXX from customer service told me. I spoke with XXXX from XXXX, and she said the only way to fix it through their legal dept. And they doubt that could happen. Basically, from my point of view I was sold something on a lie.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-12 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: TX

Complaint narrative:
I lived at an apartment complex paid all rent due, placed a deposit down. Now I am being charged {$2600.00} to replace the carpet and paint the walls. I feel that is normal wear and tear and what did my deposit go to. I do not feel I owe this {$2600.00} please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 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: LA

Complaint narrative:
I pulled my credit file and saw I had one ( 1 ) collection item from XXXX XXXX XXXX XXXX. The creditor is Speedy Cash XXXX XXXX LA. I have not done business with this company and I do not owe an amount of {$1300.00}. I t states the date of 1st delinquency is XXXX. Please conduct an investigation and provide information of who, what, and when the loan was taken out in my name.

Company response to consumer: Closed with explanation