vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
Argon credit Collections and XXXX have both told me several times this is not my account and I am not responsible for this accounts that they do not show me as respondib left party. My XXXX year old son is responsible for these that dental work was done on him.neither will remove me saying they do not have any info on me. The dental office tells me they informed argon on XXXX XXXX. NOON ONE WILL REMOVE THESE COLLECTIONS EMBEDDED AFTER TELLING ME THAT THIS WAS A MISTAKE ON THERE PART AND WAS A EMERGEMCY CONTACT NOT A RESPONSIBL PARTY. BUT THEY SAY THEY CAN NOT REMOVE THEM NOW BECAUSE THEY HAVEER NO INFORMATION AND I AM N O T ASSOCIATED WITH THE ACCOUNT. NO ONE WILL REMOVE BOTH OF THESE COLLECTIONS ACCOUNTS THAT THEY SAY ARE NOT MINE PLEASE HELP ME GET THIS MESS CORRECTED. A.S.A.P. I HAVE BEEN TRYING ON MY OWN. FOR OVER A YEAR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-05 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: GEMINI CAPITAL GROUP, LLC
State: GA

Complaint narrative:
In 2012 I filed with the court a Notice of Intent to Defend, Response to Admissions, and a Response to Complaint on a Contract with Gemini Capital Group, LLC with XXXX XXXX XXXX as their Attorney. I never received any further communication after my Response to the complaint. My situation still has not changed and has in fact become worse. I have no checking account and own nothing. I am currently on assistance. I received a letter saying that I remain indebted to this company still, for an even larger amount. I feel like this company has already caused me hardship in the past by harassing me about this said debt and I would like them to stop. This supposed debt is from over 7 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC.
State: MD

Complaint narrative:
On XXXX XXXX I made an online payment with Homebridge Loan Servicing Inc. and received immediate confirmation of such. 
This payment was not debited from my account and they subsequently transferred my loan to another servicing company. 
I have written and called on numerous occasions and no one has even investigated the matter, much less resolved it. This company is poorly run and has had numerous problems in the past with its web-site and with debiting mortgage payments appropriately, even to the point recently where they improperly debited numerous accounts and had to provide refunds. 

XXXX XXXX XXXXXXXXXXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: GA

Complaint narrative:
Was told by hospital that I would only need to pay my co-pay ( {$200.00} ) and that my insurance would pay the balance and/or the hospital would write off the balance in agreement with my insurance company contract - The hospital did not do that and they in fact turned it over illegally to a collection agency who then posted it on my CBR 's!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CT

Complaint narrative:
I hold an adjustable mortgage with Caliber Home Loans. I have an escrow account for my local property taxes with the XXXX Ct. I have made every mortage payment on time. I also have a near perfect ( near XXXX credit score ). Since the loan was transferred to Caliber Home Loans, there has been an extremely frustrating, time consuming, stressful issue with their tax department, which is now sub-contracted to a company called XXXX. For the past three years, there have been at least XXXX different instances of the tax department missing payments, nearly to the point of lien status. This most recent incident did in fact lead to a lien being placed on my property several weeks ago. I have documented over 9 hours of my time being spent in endless phone chains and conversations trying to resolve this issue between XXXX/Caliber and the XXXX. I have written letters to XXXX as well as to the XXXX of Caliber Home loans to no avail. Each entity denies responsibility for the problem, but the most frustrating aspect of the situation is the complete lack of coordination between Caliber and XXXX. Caliber assumes no responsibility for the work of XXXX. Now that the lien has been placed, it will likely impact my credit rating for 7 years into the future, negatively affecting every area of my financial well being. Additionally, I had planned to refinance my adjustable mortgage this year, while rates are still low, which I will now not be able to accomplish. Thank you for helping me to resolve this issue with Caliber/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I didnt know i had a last bill until i move and it came up on my report i payed it. They said it eould get remove but it still shows open. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery Associates, XXXX XXXX XXXX, Virginia XXXX XXXXXX/XX/2015 my XXXX XXXX account was seized and all my funds were taking up to {$900.00}. I checked my online banking and seen where XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX had taking all my funds. So, went to my locate branch and i was dumbfounded of what was going on. So, i called the attorney office they advice i was being sued by pra collections. after two weeks i recieved papers from XXXX XXXX where they had seized my accts and why. so, i went to my located court house to set a complaint and set a court date. well, my court date arrive and the judge stated i could n't get my funds back. this credit card i had when i first went to college. i was young and but this was i how survived. well after court the judge state i make a settlement with pra collectons. i called the attorney office and the no longer had the acct so i called pra collections they told me to call the attorney office bc they could n't speak with me about the matter. it was in the legal dept hands. so i was giving the run around. i want a lawsuit against pra for not informing me and the false information gaiving to me and the stress they have cause

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
How to stop closure my house today CALIBER Home Loan they this guy tell. Me move out they said it house close! But I do n't know about it I know my loan I 'm pay off on XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX I 'm demo my house I have proved permit final inspection form XXXX XXXX .TX I 'm talk to someone employee CALIBER home loans I tell them r do n't what happened about it whatever I keep my house but bills statement too reference my payment only XXXX XXXX/mo they send me bills payment first time. Same lather on they call me collaction telling behind XXXX. I said why they tell me bank said NSF '' I do n't know NSF " mean! I pay them with debit card 2mo. Then next few moth call again tell me payment grow up XXXX/mo and tell me about principle that why too high I 'm payment about few month then I 'm stop to pay beanie think something not right t need to send me bills statement may be they over dabt. Then 5 month later send owe them $ XXXX+ tell me pay out title I said I do n't have I 'm loose job and nobody work I 'm pay For colleg daughter Then they send me from about lose job tell me waiting for approve from government but they send bills payment every month grow up over XXXX $ then send my account to collection agency I talk to them by phone I need to payment standard but they said no Waiting till now

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AC AutoPay LLC, Denver, CO Branch
State: OH

Complaint narrative:
I tried to pay my monthly auto payment through my bank. Payment was scheduled for XXXX/XXXX/2015. On XXXX/XXXX/2015 I called AC Autopay inquiring about the payment and was informed that no payment had been received. I called my bank and was told electronic payments are not accepted by AC Autopay, so they sent them a paper check via US MAIL. I stopped payment on the check since no one could verify it 's whereabouts. I then called AC Autopay again on the XXXX. Explained to them that I stopped payment on the missing check so as to please not submit it for payment. I was assured a note would be placed on my account stating the same. My bank told me to wait 24 hours before re-attempting payment as to avoid double payment. I explained to the AC Autopay customer representative the same and since my note was n't due until the XXXX that I still had time. I called AC Autopay back on XXXX/XXXX/2015. Still no record of any check so I proceeded to pay with my XXXX XXXX right then and there. I received my XXXX statement with fees for a returned check. They found and submitted the check to the bank for payment on XXXX/XXXX/2015 and it was tomorrow ejected. Why submit the check if already aware check was cancelled and account was current. And the dates on the statement entries are questionable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit
State: FL

Complaint narrative:
I purchased a new Volkswagen on XXXX XXXX, 2015 and financed it through VW Credit. I financed for a long term but knew that I would pay ahead. To date I have made XXXX payments and they are not reflected on their web site. First I was told that the site was unable to show balance due and payments but I could request an email from them for this information. When I told them this was unacceptable and that the information should be available at all times they said it would not be available until I had made XXXX on time payments. I financed my last vehicle through a credit union and this information was available at any time at their web site. Withholding this information is just not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
While at college my parents had been collecting my mail. My parents are divorced so my address has changed. Along with the address confusion my mother and father had told me they would pay for the medical bills. I trusted that they would. My father called the agency to ask about the bills in collections and because they would n't speak to him he asked to give them permission. When I called the XXXX Agency I was not let known of the bills that were in collections, I simply asked to give my father permission to speak with them. 
A year later I applied for a educational loan and was denied due to the outstanding bills at the XXXX XXXX. When I found out that I had bills due I instantly called on XXXX XXXX, 2014 and paid the balances in full. 
I was checking my credit and discovered that although they say paid the collections still appear. I called the agency to ask to have this removed as I was not properly given the information regarding the debt and was denied. The women I spoke with was yelling and screaming and was communicating unprofessionally. I then asked to speak with the manager who would n't answer my questions clearly and kept asking if " I was finished. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: AL

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT TO XXXX. I c.c., the CFPB, in efforts Caliber Home Loan, be held accountable, and to document on record, illegal the and unjust activities that exist to date. There are payment errors, escrow errors, fee errors, servicing errors, payoff errors, and foreclosure errors, that need to be addressed. 

I also requested, a complete servicing file, a copy XX/XX/XXXX and XX/XX/2015 mortgage statements. A itemized reinstatement, and for all errors to be fixed on account. I am also attached some additional, inquires, and notices that I have sent to Caliber, that have yet to be addressed or acknowledged, I will also be fowarding them to additional, state and federal agencies. 

Caliber continuously refuses, to properly address loan, lie, blatantly ignore, and disregard, multiple state and federal laws. There are many issues that continue to date, in which additional complaints will follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
This Company is reporting that I Obtained a Payday Loan from them. I have advised that I have never received a payday loan from their company and that I was a victim of identity theft. I have requested legal documents like a contract that should be in place if I did such a thing. The company will not respond to me nor verify an information regarding this supposed loan. I have disputed with all XXXX major credit bureaus several times and they keep telling me the company verified.

Company response to consumer: Closed
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Autovest, L.L.C.
State: TN

Complaint narrative:
I was sued me for more money than I owe. My car was sold after the repossession. The sale price was not deducted from the balance. The statute of limitations has expired and they have garnished my pay check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This company has called multiple times everyday for weeks, including Saturday 's and Sundays, and on the XXXX holiday. Starting at around XXXX everyday and ending around XXXX. 
They have never left a message.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
I worked with XXXX County Courts to save my home from foreclosure, last year we came to an 5 year agreement, we had XXXX trial payments, then we started a 5 year modification, starting XXXX/XXXX/2015. During the proceedings the mortgage company was made aware of past due taxes still owed on our property, we received a notice of a sale for the taxes back on XXXX/XXXX/2015. The mortgage company paid the taxes due, this year they sent me a notice increasing the amount owed each month by {$500.00} per month, which is for past due and 2 years future payments. I am in a modification and can not handle the extra amount. When I notified the mortgage company, I was advised to file a modification, which I can not because it will cause the court order to be voided. We are paying our mortgage bill monthly and can pay the current escrow amount, but the past due as well as 2 years future payment as a loan payment is something they are aware that we can not afford. My current finances have not changed much, should they do I have no problem sending them extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 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 payments on the dates below : 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 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 monetary relief
Consumer complaint received 2016-01-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
We have not been recognized by new mortgage servicer Caliber Home Loans as being in the Loan mitigation process prior to the transfer from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Lender us still reporting on credit report although loan was paid. Date reported on the credit for last payment date is listed incorrectly as XXXX/XXXX/2015 representative agrrededto delete trade line once account was paid to XXXX. Item remains without itemized explanation.

Company response to consumer: Closed
Consumer complaint received 2017-02-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Commity Bank has called my phone over XXXX times in the past XXXX hours. They will call every XXXX minutes if I do n't answer my phone. I have answer and asked them to quit calling my phone and they continue to keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-28 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: GA

Complaint narrative:
On XXXX XXXX I was sent a notice of collection from resident collect, Inc. that I owed XXXX from XXXX which I moved out from on XXXX XXXX 2016. A few days prior to this notice, I received several move out statements from XXXX XXXX with misleading charges. On XXXX form I 'm being charged a higher rate for the replacement of carpet and vinyl flooring. While on a XXXX form it list charges to replace the carpet and vinyl flooring at a combined price for much less. I spoke with XXXX concerning these charges and they say it amounts to the same charges which it does not. I was also charges for the replacement of vinyl for the entire flooring in the kitchen although I only cause minor scratches to a portion of the flooring. I was told that the entire flooring must be replaced. Another section of the vinyl flooring was damaged by water due to the negligence of the apartment maintence by not cleaning out the drains for the washer machine connections. Several maitnence calls were placed to correct the drainage issue as well. In total, I have three different total for the same damage and requested a dispute of these charges. Instead, resident collect reported this incorrect debt to the XXXX credit reporting agencies without acknowledging my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: FL

Complaint narrative:
like 1 1/2 or 2 years ago I got a loan from rapid cash advance, now looking at my credit report I see that a collection co go it in my credit but it says that I open the account on XXXX XXXX and wonder if they have wright to do that. thank you in advance for your help

Company response to consumer: Closed
Consumer complaint received 2015-03-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc.
State: GA

Complaint narrative:
I went the West Asset Management/XXXX because of I work inquiry and was put in the hosiptal. I told them at that time my job workmen compensation was going to pay for it ; however the sent this to collection and now will not removed it even now that it is paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 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: IL

Complaint narrative:
I have requested information/ validation on this debt bearing my signature and have not recieved anything stating that I owe this company any money. They have repeatedly responded that they have investigated and verified the validity of my debtand dont even allow me to dispute their claim. I have never done business with XXXX XXXX, never signed a contract nor do i owe them any money

Company response to consumer: Closed with explanation