vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Our son was in an auto accident and was injured. He now has very serious health problems. He had a XXXX credit card. He tried to pay it but it was sold to Portfolio after XXXX filed for bankruptcy. He continued to pay on it, even though he continually explained his situation. He was trying to get his life back and reestablish his credit rating, and get any debts paid. 

he was taken off of work for a period after the accident and they found more very severe health problems. He had informed XXXX & XXXX and Portfolio in the last contact and it went ignored by them and they followed through on this default against him- a person with very severe medical problems. 

This past year, he was served with a summons. He did not understand what to do and kept paying the debt.He paid them over {$100.00} out of good faith and agreed to pay his debt, just wanted them to work with him. He has paid, XXXX and twice in XXXX of 2015, receiving letters of receipt back from Portfolio/XXXX XXXX XXXX thanking him for his payment. 

He continually asked for the summons to be dropped. He is unable to talk on the phone regarding any financial debts, due to previous harassment and comprehension difficulties. This was stated several times in complaints and contact he had made to them, both in writing and to the CFPB. 

We believe that we are authorized to contact on the account. If not, we would at least like the CFPB and public to be aware of the harassment our son, with health problems is going through even though he is making payments to these two companies. 

This week, he received a default, enforced by the same company that had been sending him thank you letters for his payments and that he has paid over {$100.00} to these past two months. XXXX of the receipts are enclosed. In the past two months, he has made XXXX payments. {$100.00}, {$12.00}, and $ XXXX default has now destroyed his credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery services, reports in accurate reporting dates and amounts. The date of the initial collection was XX/XX/XXXX-XX/XX/XXXX and is around {$200.00} dollars. I paid several times on the account and it has an inflated rate of almost {$360.00} dollars and an opened date of XX/XX/XXXX. This account is 7 years old or pretty dang close. The account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: TriVerity, Inc.
State: MO

Complaint narrative:
My wife co-signed on a car loan for her son. Her son stopped paying on the loan and the car was re-possessed. We received a letter about a week ago from a collection agency named CU recovery, from Wyoming, with an amount to be paid. My wife contacted the agency and was told to try to get a loan to pay off the balance, and if we could not get a loan, they would work with us to resolve the account. Today, my wife contacted the agency, and was told that we had one hour to figure out how to pay for the debt, otherwise they would sue her and garnish her wages. My wife contacted me at my work and told me what was happening. I then contacted several lawyers for advise, as well as researching online what our rights were. I told my wife to contact the agency, and inform them that we were in contact with a lawyer, the agency then said we have one day to pay or they will start to garnish wages. They also said that we have a credit card with enough credit to cover the balance and need to pay now with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery is harassing my family. The calls are constant. They call my XXXX year old mother who happens to have the same name as mine. They have even called in Sundays. My mother is sickly and it is horrible. I do not know how they got her phone number. Her number is XXXX XXXX XXXX. Now they are harassing my son who does not live with me. Hid phone number is XXXX XXXX XXXX. The number they called from is XXXX XXXX XXXX. I believe this has to do with XXXX XXXX when I lost my job. I was late on my payment. I finally made the full payment to XXXX XXXX and I believe it was {$400.00}. XXXX XXXX took the payment and after it was paid I was told by the representative that my debt had gone to a collections bureau the day before. One day before. It was paid with my XXXX account and this was about 5-6 years ago. I refuse to pay for a debt that I already paid for. Also, I do not want anyone harassing my mother or my son or anyone else including my employer. The calls are nonstop and from different phone numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Municipal Collections of America Inc.
State: IL

Complaint narrative:
On XXXX/XXXX/16, I received a call from a debt collector from a company called Municipal collections of America, I think. He called me to tell me that they were going to suspend my driver 's license for unpaid tickets. He said that we can file our XXXX ticket to the State of Illinois and suspend your drivers license. I informed the man that there are no tickets on my credit report. He said that we saw your disputes come thru from the major credit bureaus and we did n't dispute them. So I informed him that since you did n't validate the amounts or validate that I owed for those tickets, why are you trying to suspend my license? He said that he did n't want to hear anything other than if I was going to pay XXXX dollars. Then he could stop the process of suspending my license. I tried to ask the man why would you not validate the amounts and the accounts? He said that there is no time for all that, Am I going to pay the XXXX dollars? or do I want my license suspended? I said I am going to call XXXX to find out what is going on. He said, Im going to go forward with suspend your license. He hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: USI Solutions Inc.
State: MT

Complaint narrative:
I keep receiving debt collection phone calls from XXXX. When I call them back, they identify themselves as USI Solutions Inc most of the time, sometimes they identify themselves with a fictitious or illegible company name. When they leave a voicemail, they identify themselves a USI Solutions Inc. The calls are in regards to a XXXX account prior to their acquisition by XXXX in XX/XX/XXXX, and XXXX in XX/XX/XXXX. I told the debt collector that it was n't my debt and asked her to mail verification. She told me they were " not in the letter business. '' They wo n't even provide me with an account number for the alleged debt. I never received any verification or notification of rights. I called XXXX to try to verify the debt myself, and they have no record of it. They call every single day and if I attempt to communicate with them, they are very rude and talk over me with blatantly inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: SC

Complaint narrative:
XX/XX/XXXX I purchased a Townhome in XXXX, SC as a Veteran loan, which was financed by XXXX XXXX ( XXXX ). I satisfied all pre-qualifying requisites to include obtaining flood insurance beyond the general home insurance. After a couple of months, XXXX sold my mortgage to Caliber Home Loans. On XX/XX/XXXX, Caliber Home Loans notified me that they had deducted {$2700.00} to purchase comprehensive wind insurance on my behalf. Although I understand I can purchase my own wind insurance, I find this practice quite arbitrary since during the loan qualifying process, XXXX XXXX did not require it. Further when I contacted them, they stated I was not required to get this insurance and even attempted to contact Caliber Loans on my behalf ( See attached e-mail ). Caliber Loans chose to purchase my mortgage, not the other way around and they did so knowingly I had no wind insurance, which as previously stated I 'm not required to have. If Caliber Loans feels they need to further protect their investment as they have stated on their notice to me, then that is a financial expense that they need to afford themselves, instead of placing this added financial burden on my and my family. A consumer should not be subjected to new requirements every time a loan is sold to another financial institution. This is not a fair practice. I asked that they return the money they deducted from my escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I bought my home in 2006 with XXXX MORTGAGE. I made my payments every month. My mortgage was for XXXX. My home was sold to Caliber and they are trying to say I owe XXXX. How is that possible? What happened to my equity? I have been trying to get a modification from Caliber and they are playing games with me. They keep asking me for the same papers over and over again this has been going on for almost a year and no modification and they wo n't accept my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: AL

Complaint narrative:
Caliber Home Loan, has violated the law by failing to provide XX/XX/2015, mortgage statement. I have ask for XX/XX/2015 mortgage statement, on multiple occasions. I have also ask why your company why it has failed to provide the statement for XX/XX/2015, with no response, thus far. Will you please provide statement for XX/XX/2015? 
If you can not provide statement for XX/XX/2015, I ask that you immediately cease foreclosure proceedings, and fixed all errors, in accordance with law. 
Your companies arrogance, and blatant violation of rules, set forth by agencies of the US government are troublesome. 
Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XXXX last year, I had requested for balance transfer {$1700.00} from XXXX CARDS ( Card Services ) to COMENITY -Total Rewards Visa Card as you will see at the attachment FCC XXXX ( XXXX ). But it does not go through until now. I did contact Customer Services at XXXX CARDS ( Card Services ), and they told me that they never receive any check with the amount {$1700.00} from COMENITY-Total Rewards Visa Card as attachments FCC 001 ( XXXX TO XXXX ) from XX/XX/XXXX to XX/XX/XXXX. I did contact Customer Services at COMENITY-Total Rewards Visa Card at XXXX, and talked to a lot of persons, such as : XXXX, she is Supervisor of Resolution Dept., and her ID # XXXX on XX/XX/XXXX at XXXX PM ( PST ). Next, XXXX, her ID # XXXX at Customer Care Dept. on XX/XX/XXXX at XXXX ( XXXX ). Last, XXXX, her ID # XXXX, she is the Account Manager on XX/XX/XXXX at XXXX ( XXXX ) .Both of them understood the problem, and they told me that they will ask Customer Care Team to dispute or stop the amount {$1700.00}, and credit back to my account plus {$17.00} for transaction fee, total amount should be credited back to my account is {$1700.00}. But this person, XXXX, who is XXXX Representative at Customer Care Team did not understand, or did not want to credit back to my account, he sent me a lot of letter, and tried to confuse me by linking to other amount as you will see at the attachment FCC 001 ( 5 ). I did not ask them to dispute or stop {$1700.00} to XXXX as attachment FCC 001 ( 6 ). The corrected remaining balance should be {$1500.00} after crediting {$1700.00} plus {$99.00} ( XXXX payments from XX/XX/XXXX to XX/XX/XXXX ). It is not {$3400.00} as attachment FCC 001 ( 7 ). I am very frustrated about this COMENITY-Total Rewards Visa Card. Please help to me solve this matter. 

Regards, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-21 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
I am a victim of Identity theft on or about XX/XX/2016 the above mentioned company did a fraudulent hard inquire to my credit report on Equifax. After learning about this unauthorized fraudulent transaction I placed a warning and then a freeze to my credit file. I contacted speedy cash on two times in which they refuse to remove this hard inquire to my credit report thus impacting my credit rating. I have also asked for all the information that is attached to this fraudulent account in which they also refused. This refusal is a direct violation of my civil rights under the Federal Trade Commission ( FTC ) Fair Credit Reporting Act ( FCRA ) section 609 sub-section ( e ) in which it states Who must comply with Section 609 ( e ) of the FCRA? 
A. The law applies to a business that has provided credit, goods, or services to, accepted payment from, or otherwise entered into a transaction with someone who is believed to have fraudulently used another person 's identification. For example, if your business opened a cell phone account in the victim 's name or extended credit to someone misusing the victim 's identity, you may be required to provide the records relating to the transaction to the identity theft victim or the law enforcement officer acting on that victim 's behalf. 

Q. What documents must my business provide? 
A. Your business must provide applications and business transactions records, maintained either by your business or by another entity on your behalf, that support any transaction alleged to be a result of identity theft. Records like invoices, credit applications, or account statements may help victims document the fraudulent transaction and provide useful evidence about the identity thief. 
They will not comply with Federal Laws and Refuse to remove this Hard inquire from my credit report. I had a total of XXXX hard inquiries to my report and I had removed 27 of them without any problems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I was supposed to receive a credit card which I never received but was told I had made no payments and I made the payment that minute but it was put on my credit report and I want it off

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
They falsely reported on my credit report and score. It was sent to collections back in 2011 and just added to my credit score saying I refinanced and renewed my account. I have not spoken to them in years and they refinance the loan? This is fraud and it brought my credit score down XXXX points. They are crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
They call me at all hours of the day and now use a unknown number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: AZ

Complaint narrative:
I had a pay-option ARM loan that was originally with XXXX. This loan was later sold to XXXX XXXX XXXX. My loan was included as part of XXXX class action settlements, once from the state of Arizona and again through the National Mortgage settlement. For 6 years, XXXX XXXX XXXX refused to modify my loan pursuant to the terms of the court ordered settlement. On XX/XX/XXXX my loan was sold to Caliber Home Loans. I sent copies of all court documents to Caliber and asked them to comply with the court ordered settlement. On XXXX XXXX I received a letter from Caliber stating that " Caliber has no affiliation with the defendants referenced in the documents. As such, we are not able to address the matter '' I find it hard to believe that I lost all of my rights under the settlement agreement just because XXXX XXXX XXXX sold the Loan to Caliber. Especially since I received a letter from Caliber on XX/XX/XXXX that specifically stated " The transfer of servicing of your mortgage to Caliber will not affect any term or condition of your mortgage '' Caliber refused to provide a single point of contact and I spent many hours on the phone talking to multiple people. I was frequently promised call backs from supervisors and representatives that never occurred. I was told my loan was going to be reviewed by a legal department but it never was. My loan was dual tracked while I was applying for a loan modification in direct violation of the court order. 
I did submit all required documents to Caliber for a loan modification. I was told by XXXX ( ID # XXXX ) on XXXX XXXX that Caliber had recommended a loan modification to the investor and that they were waiting for the investor to approve it. XXXX also stated that I would be contacted by the manager XXXX ( ID # XXXX ). XXXX never contacted me. On XXXX XXXX I received a call from XXXX ( ID # XXXX ). She informed me that my modification was declined. She stated that no other options would be made available to me and that my home would foreclosure on XX/XX/XXXX. Due to the dual tracking of my loan I have no time left to dispute the foreclosure which will occur tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
10 years ago we bought a house from XXXX XXXX and our loan was processed by them.When we took this loan it was our understanding that it was a 5 year interest adjustable mortgage with the option to renew it at the same term for another 5 years. After the initial 10 year adjustable period our loan will be fully amortized for the remaining 20 years. We took this loan in XXXX, 2006, never miss a payment, and we were ready to see how much will our payment is if it were to be fully amortized for the remaining term but I was shocked when I received the statement from XXXX XXXX who got our loan from XXXX XXXX, that we still have the adjustable rate, and the only difference is they added the principal and escrow, and our rate is adjusting every six months based on the XXXX index rate. To me, this is unfair. It was not fully explained to us when we got this loan..now that we are retired we do n't know what to do. We ca n't qualify to refinance because of our bankruptcy and with our income now, we might not qualify. If only XXXX XXXX loan people explained it to us clearly 10 years we would n't be in this predicament now. We might lose the residence that we lived in the past ten years. I believe that this was a predatory loan designed to prey on elderly people like. I know we signed the papers but it such a thick volume of papers we had to go through, so we relied and trusted the loan officer, that she had our best interest at heart and that she gave us the best loan at that time. My husband is XXXX years old and I am XXXX years old, I do n't think there are still companies out there who would hire us just for us to save our home. What I really want is for our original lender to change the term of our loan and have a 30 year amortized loan so we could afford the payment and keep our home. Our loan is transferred to a new loan servicing company, Specialized Loan Servicing LLC. Thank you for your support.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc.
State: CO

Complaint narrative:
This complaint is related to my efforts to file a loan modification application, statements made by the bank to me about whether they would forestall the foreclosure, and irregularities I noticed. Caliber Home Loans sent me a modification loan application which I filled out and mailed back. I received a letter from Caliber stating I did n't send my pay stubs or completed the forms and that I had 30 days to get back to them- the letter was dated XX/XX/2016. But I did send my pay stubs along with the budget and forms filled out and signed when I originally mailed them back. So I called the bank to let them know I was faxing the papers over but alos wanted them to know that I have a copy of the application in front of me and I sent them everything. While one the phone with them they said the house is in active foreclosure scheduled for XX/XX/2016. I asked Caliber to please stal the foreclosure while they review my paper work but they could n't give me a yes or no answer that my loan application has been expeditied for review. 
I sent documentation that the bank is denying was received. Which has occurred before. Sometimes a CFPB complaint will get the bank to stall a foreclosure.

Company response to consumer: Closed with explanation