vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Finance of America Mortgage LLC
State: WA

Complaint narrative:
I entered into an agreement with XXXX Mortgage to refinance my home at an interest rate of 3.625 %, and they were going to provide me with a {$2200.00} credit. An issue occurred with the appraisal they ordered, and an appraiser was not sent out for three weeks later than originally intended. I spoke with individual who sold me the product XXXX XXXX XXXX XXXX who informed me that as a result of the delay, a rate lock extension would be required, but because I was not at fault that XXXX would incur that cost and it would not be passed along to me. A new Good Faith Estimate was sent to me to confirm the rate lock extension, but this document indicated that the lender credit had been reduced because of the cost of the rate lock extension. I immediately asked my loan processor ( XXXX XXXX XXXX who advised me not to worry, and to sign the document for the sake of time, and the credit would be restored at a later date. XXXX more extensions were later required and I had the same concerns when the documents sent to me to sign, indicating that I would be paying, and each time I was given the same explanation as the first time. I sent XXXX emails in an attempt to confirm the original {$2200.00} credit, and although both XXXX and XXXX confirmed with me over the phone, they never responded to my emails, despite sending me other communications via email. Then, XXXX days before closing I was told that the absolute best they could do was provide a credit of XXXX {$1000.00}, and the justification was I could n't get a better deal elsewhere ( because interest rates had risen significantly XXXX and XXXX was not at fault, and the third party appraisal company was at fault. However, neither of those justifications hold any bearing, it is unethical to change the terms of an agreement last minute based upon market changes. I signed and closed on the deal because it was true, I could n't get a better price elsewhere after months had passed and interest rates had risen, but that does not make it okay to essentially lie and steal from customers. As for XXXX not being at fault, if that was the case, they should not have told me throughout the process that they were going to incur the cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
We got a loan from Speedy Cash XXXX in the city of XXXX, CA. We paid it off on the due date and went on about our lives. About a month after we paid off the loan a payment was being deducted from our bank account. We went back to the Speedy Cash and got our money back. Two weeks went by and same thing happened, Speedy cash deducted the same amount from my bank account For a loan that we did n't get or apply for, my husband went and closed the account so this would n't happen anymore. Today ( XXXX/XXXX/16 ) I found out Speedy Cash took money out of my bank account for an account that has been closed and we do not owe them any money. We have talked to the manager but nothing has changed. I understand anyone can make mistakes, but making the same mistake 3 times? It 's not possible. 
My bank name is XXXX in the state of California.

Company response to consumer: Closed
Consumer complaint received 2016-08-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
MY MORTGAGE LENDER ( CALIBER HOME LOANS ) HAS DENIED MY LOAN MODIFICATION REQUEST AND THEY INSIST ON A SET OF WRONG ASSUMPTIONS ABOUT THE VALUE OF MY HOME!!! 
CALIBER REVIEWED ALL MY DOCUMENTS AND THEIR MODIFICATION DEPARTMENT STATED THAT MY INCOME IS SUFFICIENT TO QUALIFY ME FOR ASSISTANCE PLANS, BUT THEY SAID THE VALUE OF THE HOUSE IS TOO HIGH. 
I HAVE ASKED THEM REPEATEDLY TO PLEASE REVIEW MY EVIDENCES ABOUT THE POOR CONDITION OF MY HOUSE 'S INTERIOR, BUT CALIBER DOES NOT ALLOW ME TO AT LEAST PRESENT MY PROOFS OF THE LOWER VALUE!!! 
THIS IS SO UNFAIR TO ME THAT THEY WONT EVEN LOOK AT MY OWN COMPLETE APPRAISAL!!! 
THEY SHOULD AT LEAST JUST LOOK AT MY EVIDENCE, AND ALLOW ME TO PRESENT MY INFORMATION, AND THEN DECIDE IF I QUALIFY OR NOT. 
FURTHERMORE, I CURRENTLY HAVE AN ACTIVE FILE THAT AS OF TODAY CALIBER IS STILL REVIEWING FOR MODIFICATION AND THEY JUST ASKED FOR MORE ITEMS FROM ME. SO WHY ARE THEY REFUSING TO POSTPONE THE SALE DATE TO COMPLETE THEIR OWN REVIEW PROCESS???!!!! 
I 'M A SINGLE MOM STRUGGLING VERY HARD TO SAVE THE HOME FOR MYSELF AND MY KIDS AND THE LENDER SHOULD TRY & SHOW SOME GOOD FAITH TO COOPERATE IN FINDING A SOLUTION, INSTEAD OF CONSTANTLY PURSUING ONLY FORECLOSURE!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
the company ran my credit report multiple times, unauthorized, resulting in several credit inquiries on my credit report damaging my credit standing/score. i have contacted the company via certified letter requesting removal or proof in the very least. they replied without proof and with no resolution. I then called the company and got more of same and bounced around to several departments with no luck. i then contacted XXXX by phone ( tried an online dispute with them prior to this ) where the inquiries were generated and they informed me that they do not dispute inquiries.

Company response to consumer: Closed
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
WHY THERE COMPANIES OUT THERE THAT HAVE THE SOUL PURPOSE TO TICK PEOPLE OFF. THEY NO LISTEN TO ME I TELL THEM ALL THE TIMES THEY CALL THEY HAVE THE WRONG PERSON BUT NO. THEY BUT IT UP ON MY REPORT AND CALL NO STOP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
My mortgage holder is Caliber Home loans. I made mortgage modification XX/XX/2015.According to my agreement I have to pay mortgage and maintenance fee to Caliber Home loans and bank have to pay maintenance fee to my HOA.By some reason Caliber do n't pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Caliber Home Loans is refusing to provide me with an actual accounting of my impound account. The loan they were servicing was paid off when I sold the home. Escrow closed on XXXX XXXX, 2016. They sent a check dated XXXX XXXX, 2016 to me indicating it was an " escrow release - paid in full ''. On XXXX XXXX, 2016 I spoke to XXXX at Caliber Customer Service asking for an accounting of the impound account with actual numbers - not estimates and projection. She said it would be sent. Instead I have received a letter stating that my request for " mortgage release documents '' had been sent to the Servicing Department and I may or may not be the one who will receive the document. The impound account contained my money. I think I should be able to get an accounting of what Caliber Home Loans did with the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I had an XXXX at XXXX XXXX Medical Center and my Medicare Plan was with XXXX XXXX XXXX XXXX of TX. I paid {$120.00} for the procedure. 

On XXXX XXXX, XXXX I had another XXXX XXXX at the same place in the same XXXX and was advised that I had a {$120.00} copay. Due to complications I was not admitted but put on observation status and released before 24 hours on XXXX XXXX, XXXX. 

I paid the {$120.00} that was authorized by XXXX XXXX XXXX XXXX. 

I got a bill from XXXX XXXX Medical Center in XX/XX/XXXX stating I owed {$220.00}. I had already paid {$120.00} and I questioned that bill. I even sent in paperwork requesting financial assistance as I did n't understand the bill. I was told by someone that " XXXX XXXX '' was billable. I could not pay the bill as I had paid {$120.00} prior to the procedure. 

I contacted XXXX XXXX XXXX XXXX who advised me that I was only responsible for the {$120.00}, not anymore. I called XXXX XXXX Medical Center and they claimed that was not true and by XXXX XXXX, they filled a collection on my credit report for {$220.00}. 

I disputed the XXXX bureaus and it was removed. 

Now, it 's XX/XX/XXXX and someone named XXXX ( Global Receivable Collections ) has filed on the all three bureaus dropping my score to XXXX. I just bought a house and had a XXXX at the time. 

I have once again called XXXX XXXX XXXX XXXX, I was given a case number and this company claims they do n't know where my debt came from but they have it and I owe it. I do n't owe them anything, I do n't owe XXXX XXXX XXXX XXXX anything and have no clue, other than from watching XXXX XXXX on " XXXX '' that someone used an excel spreadsheet and bought this debt that has been written off by XXXX XXXX XXXX XXXX and they are trying to collect. 

This is wrong, this should be illegal. I dont ' owe {$220.00} to anyone! XXXX XXXX says I do n't and I had a reference number and this company refuses to contact XXXX XXXX XXXX XXXX because they have no clue where the debt originated. They wo n't talk to me about it. 

I have NOT received mail from them. I have received phone calls that no one answers and they have called my work phone! What XXXX is wrong with America!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-22 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: Alorica Inc.
State: GA

Complaint narrative:
I bought a cell phone ( XXXX ) from XXXX on base at XXXX XXXX GA when i first got stationed there. The phone service was very insufficient so i returned the phone within the 14 day grace period and went to another cell phone company. The XXXX vendors failed to process my return correctly. So after 6 months of me not knowing, i started getting phone calls from a collection agency for the phone i had returned. They put a {$710.00} debt collection on my credit. I went back the next day after i found out after 6 months. They submitted a claim that took another 6 months to follow through. And at which that 6 months i continuously received phone calls and told them of the issue. Which every time they called they said it was no problem and they will fix the issue, which was a lie they also told for 6 months. Finally after a year, the debt was paid by XXXX but the collection debt hurt my credit and has not been removed. It has been paid, but not removed from my credit files. They made the mistake and now my credit score has been penalized for it. Actions need to be taken to not only removed what they have done, but also to prevent this sort of issue from happening to others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
CCB/PPC XX/XX/2016XXXX. 

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
On XXXX XXXX, 2016 I filled out a survey for XXXX to receive a free XXXX player. Once completed there was a {$2.00} shipping fee, which I paid using my Opt+ XXXX card. Within seconds I received a text for a charge from XXXX charging my card {$37.00}. I immediately called my bank to dispute the charge. I told the bank that I had taken a survey for XXXX and was only supposed to pay a {$2.00} shipping fee and apparently this XXXX company stole my card information. I told the bank I do not know this company and I did not order anything from them. No where on my receipt, that I printed out and sent to the bank, does it say anything about XXXX. It says the receipt is for an XXXX player. The bank then sent me back a bunch of XXXX that XXXX sent to them that I have never seen before. Even XXXX told them that I was filling out a survey for a free XXXX player, that I never ordered their product and that they never sent me anything. XXXX told me that they sent a chargeback to my bank however it was never put back into my account. Now granted {$37.00} is not going to make or break me, it 's the principle. Opt+ should be looking out for my best interest not XXXX XXXX. Again, I do not know this company, I never ordered anything from them, I never received anything from them and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I obtained a line of credit from Union Bank to help me fix my house. I am divorced, I been thru a financial roller coaster hence my credit is not good, they will not help me refinance, every time I call them, they tell me I must have perfect credit to refinance into a conventional loan, meanwhile, they are charging me 7 % interest, for a line of credit, all the payments I pay monthly get applied to interest only. Even though I pay on time, they always claim I am short, they are calling me all the time disturbing me etc. but never willing to help me get into a better loan product, they give me a lot of headaches and I am just frustrated with this Bank. They finally told me that " they can basically do anything they want to me because they are not a XXXX owned bank and that they are owned by XXXX Investment company ''. I am in a dead lock and I do n't know what to do. With my credit being bad, no one else will refinance me and this bank has been totally taking advantage of my situation. My house has equity of close to {$300000.00} in it. but this line of credit is in XXXX position. I do not want to sell my house because the income I get from it, helps me pay my kid 's expenses. My experience with Union bank has been terrible. my financial situation becomes worse as I keep paying interest every month ( interest only ) with no hopes to be able to refinance anytime soon. I am a single mother of XXXX, I have a daughter in college and having been stuck in a horrible loan like this makes my entire financial situation worse. Union Bank has told me over and over again that they will not do anything to help me refinance to a conventional product but I want to at least have some principal come off my monthly payments every month. I want Union Bank to help me refinance out of this horrible product and hopefully get a loan with a better future outcome not XXXX that my payments keep going towards interest and the loan amount never changes!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
On XX/XX/2016 I shopped at XXXX. While in the check-out line the cashier asked if I would like to join the XXXX Rewards Program. I said yes but not if it was a credit card as I did not want a credit card. The cashier stated vehemently this was a rewards only program. At the end of the transaction the cashier smiled and said you qualify for a credit card. I then asked to speak to the store manager and once again said I did not want a credit card and that the cashier had lied to me. He stated the transaction would be backed out and assured me I would not be getting a credit card. 
I was shopping with a friend who will testify to this entire transaction. The lies of the cashier and the Manager on Duty lying as well. 
So you can imagine my shock this week when a credit card arrived in the mail. A credit card I did not request and in fact said I did not want. This is an illegally opened credit card and I intend to move to have your store held accountable for this. You have messed with my credit and committed a criminal act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: VW Credit
State: IL

Complaint narrative:
After a change in life circumstances and income, I decided I no longer needed a vehicle. VW employees guided me towards surrendering the vehicle, saying it was the easiest way to go about wrapping up the account. I was not aware at the time that it would appear on my credit as a negative account. After surrendering it to VW, I was sent a bill for around {$6900.00} ( the exact amount I do not have available ). I requested details of the work done to the vehicle as well as the sold price, as the remaining balance seemed quite high. This process went on for some time. Each conversation with the representative became more insulting to the point of him telling me that " I need to re-assess my choices in life if I 'm working so much and can not afford to make payments ''. After that interaction I requested to speak to a supervisor. He informed me that I was refusing to communicate with him and that he would mark my account as delinquent. From there it was transferred to one or more other collection agencies. From each of them I have requested the full details of the account and have still yet to receive it and its been several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 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: ResidentCollect, Inc.
State: GA

Complaint narrative:
I received a phone call from XXXX from XXXX, ext XXXX. He left a vm message stating it was an attempt to collect a debt. I returned phone call. The collector stated that he was collecting a debt from XXXX from 2008 in the amount of {$210.00}. I have never received a letter or anything regarding this debt, and then 7 years later a phone call to collect the debt that 's clearly outside of Georgia Statue. I have not received any documentation, letters or correspondence from the apartment complex and 7 years later. This debt is bogus and I advised him to not call me again. He refused and stated it had to be in writing. Well, I never received a letter to dispute the bill initially ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
COMENITY BANK /XXXX ACCOUNT # XXXX KEEP SHOWING UP ON MY XXXX CREDIT REPORTS ( XXXX , XXXX AND XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
To Whom it may Concern : I am hereby writing this letter to request for a onetime settlement of the outstanding balance 's on my comenity card accounts. I have been struggling with financial difficulties for the past six month on accounts of my lay off due to the economic downturn. I am finding it very difficult to make monthly payments to my account. I sent you a letter dated XX/XX/2016 stating I wanted to close my accounts and make a settlement amount and I have yet to receive a response in regard to that. I keep getting multiple calls through the day threatening legal action and it is very distressing. 
I am currently negotiating debt with several creditors and I have only a limited amount of funds. Some of the conditions that I want for this payment are as follows : The payment will be full and final settlement of my credit card outstanding balances for XXXX, XXXX, XXXX and HSN No legal action will be initiated against me in future for any payments I will be removed from the defaulter 's list from your records. 
No threatening phones call from your customer service that I have already received ( I have a copy of the voice messages. 
If your company is willing for this one time settlement then please write back to me and I will make the necessary arrangements for making the payment and also draft the debt settlement agreement. Do not contact me by phone, you can contact me XXXXXXXXXXXX. 
I will be glad to receive a positive response from your end. 
Yours sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-17 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: Alorica Inc.
State: GA

Complaint narrative:
I 've received XXXX calls from West Asset Management since XXXX XXXX about a debt owed by XXXX XXXX. I 've told them XXXX times that my XXXX XXXX is my child and they must have the wrong number. They confirm by asking " XXXX XXXX. XXXX? ". I tell them the middle initial is also wrong. I 'm then told that my number will be removed from their records, only to be called again the next day. 
I asked if they just go through a phone book and pick a name that 's the same and he actually replied " pretty much ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I financed a vehicle through Toyota Financial. I was always on on time with my payments. I lost my job and had to file Bankruptcy. Toyota did n't take my payment. Before the Bankruptcy I tried to get a deferment but they said no. 
I got another job and decided to drop the Bankruptcy and pay my creditors. I have been making my payments every month with Toyota and paying on the past due month that I owed. Toyota is reporting me 30 days late every month when I am not 30 days late. I have bank Statements showing my payments every month

Company response to consumer: Closed with explanation