vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-09 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Paypal sent promo email for 24 months interest free financing on Ebay purchases or {$600.00} or more. I clicked the link to " shop now ''. Made a {$1900.00} dollar purchase. When I logged into account the same day it only showed 6 months interest free. I called paypal, they asked me to forward them the email so they could see it. They then agreed and said they would fix it to the 24 month promo. I received an email on XX/XX/XXXX stating they had fixed the loan. I logged on to my account today XX/XX/XXXX and it was still saying 6 months. I called back and was told they was not going to honor the 24 months. I have all original emails if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03 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: ResidentCollect, Inc.
State: CA

Complaint narrative:
My identity was stolen and my signature was forged on multiple occasions to renew a lease on an apartment. This is not my debt, I never authorised the lease to be renewed, and I am not responsible for the repayment of a debt that was a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I opened a credit card with XXXX XXXX in XXXX, MA to buy a couch. There was an initial 6 mos period of no interest which we made periodic over payments of the balance due. I never received an invoice or any notification in XXXX for and apparently my 6 mos period had expired. I was notified by XXXX that my account was past due which I immediately paid off in full ( approx {$5200.00} ) on XXXX/XXXX/16. I 've now been told that since I did n't pay off the balance before the 6 mos period, that I know owe approximately {$780.00} in finance charges for for the next 12 months even though my account has been paid off in full. I strongly believe that it is categorically unfair to charge interest for 12 months in the future when no money is being borrowed. I also believe that XXXX XXXX is using deceptive and unfair business tactics to sell their products to consumers even when their consumers have been trying to do the right thing throughout the process. It is a quintessential " gotchya '' strategy to milk further fee 's out of their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Prospect Mortgage, LLC
State: FL

Complaint narrative:
The Complainant engaged a lender, Prospect Mortgage, XXXX ( " Prospect '' ), to obtain financing on the purchase of a residence. The purpose of this complaint is to notify the CFPB that Prospect has refused to timely fund the Complainant 's loan pursuant to a Letter of Commitment. As a result, and as detailed below, Complainant is likely to incur significant financial damage. Complainant has reason to believe that Prospect does not have sufficient funds available to fund its loan commitments and/or engages in a practice of issuing more loan commitments than it is able to process. 

The Complainant engaged Prospect Mortgage, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, NMLS ID # XXXX, upon entering into a purchase agreement for a residence on or about XXXX XXXX, 2015. The Complainant hired Prospect based on their representations that they are XXXX of the nation 's leading residential lenders and are backed by {$5.00} XXXX in assets. 

At Prospect, the Complaint was assigned to loan officer XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, Fax ( XXXX ) XXXX, Email : XXXXXXXXXXXX. 

On XXXX XXXX, 2015, Prospect Mortgage issued a Letter of Commitment that it would provide certain financing on or before XXXX XXXX, 2015. The Letter of Commitment is executed by XXXX XXXX. 

Despite the Complainant meeting all conditions under the Letter of Commitment, Prospect Mortgage is refusing to fund the loan by XXXX XXXX, 2015, because, according to XXXX XXXX, they are too " bogged down. '' Prospect informed the Complainant that they are unlikely to be able to fund the loan until XXXX XXXX, 2015. 

The purchase contract for the property has a closing date of on or before XXXX XXXX, 2015. Pursuant to the terms of the contract, the Complainant is obligated to close once he obtains a loan commitment. The contract further provides that the Complainant will lose his deposit funds of {$20000.00} in the event that he is unable to close by XXXX XXXX. Complainant will also incur the cost and inconvenience of having to locate and move into a rental property. As of the date of this complaint, the sellers have not agreed to extend the closing date. 

Complainant has informed Prospect of their legal obligation to provide funding pursuant to the terms of their loan commitment. Prospect has refused to acknowledge that their loan commitment obligates them to provide funding. More specifically, Prospect seems to be misinformed that they are permitted to delay funding of loans based on their own underwriting and investor delays. Prospect has admitted that they are not always able to timely fund their loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IL

Complaint narrative:
sent me letter telling me i going to jail if i do not pay plus they up the fee from the first debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
I am working with a lawyer to attempt a loan modification and the most recent documents from the mortgage company states " account was reviewed and denied for loan modification on XXXX/XXXX/2015 due to debt to income ratio out of acceptable guidelines. Account currently no longer being solicited due to Cease and Desist placed on the account ''. 
Neither my lawyer or I am aware of where this statement originated from because I have been working with them for months to resolve this modification issue. Any assistance you can provide would be very helpful in working with my lawyer to acquire a loan modification on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Caliber Home Loans, Inc.
State: HI

Complaint narrative:
This will be the seventh complaint submitted to CONSUMER FINANCIAL PROTECTION BUREAU ( hereinafter " CFPB '' ) starting from XXXX XXXX, 2016 until today XXXX XXXX, 2016 against CALIBER HOME LOANS , INC . This complaint will be another addendum to the prior XXXX prior complaints submitted against CALIBER HOME LOANS, INC., which are Case Numbers XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX ( hereinafter " XXXX '' ) my true and lawful Attorney-in-Fact contacted CALIBER HOME LOANS, INC., on Friday, XXXX XXXX, 2016 and someone named XXXX, SINGLE POINT OF CONTACT AGENT, TELLER ID. NO. XXXX answered the phone. Like the other XXXX prior case numbers as listed above, XXXX kept XXXX hostage, by delaying, prohibiting, and stonewalling XXXX from speaking to a SUPERVISOR or HER SUPERVISOR, until SHE finally connected XXXX to XXXX, SUPERVISOR, TELLER ID. NO. XXXX relating to CALIBER CONDUIT ACCOUNT NUMBER XXXX almost XXXX minutes later. This abusive and intentional draconian practices needs to cease and desist IMMEDIATELY now and in the near future anytime XXXX contacts CALIBER HOME LOANS , INC .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit
State: CO

Complaint narrative:
I have a vehicle loan through Volkswagen Credit for a XXXX XXXX SportWagen. This vehicle was included in the VW XXXX Liter diesel settlement agreement, and I entered into an agreement with VW XXXX XXXX to buy back my vehicle under that settlement. The amount of cash I was entitled to receive in that settlement included payoff of the remainder of my vehicle loan balance with VW Credit as the balance stood at the time VW XXXX XXXX confirmed my outstanding loan balance which was sometime in either late XXXX or early XXXX XXXX. However, I was not able to obtain an appointment with VW XXXX to buy back my vehicle until XXXX XXXX, XXXX. In the meantime, XXXX payments on my auto loan became due and I paid both on time. I was assured by VW Credit and VW XXXX that VW XXXX XXXX would transmit the full amount of the balance due as of early XXXX and the amount of payments I made in XXXX and XXXX would be refunded to me shortly after VW Credit received the funds from VW XXXX. The VW Credit representative I spoke with initially told me it would take 2-3 weeks for VW Credit to receive the funds from VW XXXX XXXX, and would initiate a refund of overpayment to me within 2-3 business days following the account closure. VW Credit confirmed that it received the funds from VW XXXX XXXX to payoff the loan and closed the loan on XXXX XXXX, XXXX. I called today XXXX XXXX XXXX XXXX to determine when the overpayment would be refunded to me, and they confirmed I had a refund of about {$820.00} due to me, but would be holding those funds for 17 days following the payoff date of XXXX/XXXX/XXXX. This means that VW will effectively have held my money for nearly a month and a half after I turned in my vehicle to VW and satisfied all my obligations to them. I believe I ( and other VW owners who are similarly situated ) be entitled to a speedier return of our funds. Shortly after I got off the phone with this representive, he called me back and let me know they could expedite the process by about 4-5 days if he submitted a check request. However, this will still result in VW Credit holding funds due to me for over 1.5 weeks following payoff of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
In XX/XX/XXXX, I did a balance transfer from another credit card to my Capital One credit card with a 0 % APR. Between XXXX and XX/XX/XXXX, I paid a total of {$2000.00} to my Capital One card, assuming that I was paying off that balance transfer, whose rate would expire in XX/XX/XXXX. To my dismay, after paying several large amounts, I was surprised to look at my statement and see that Capital One was not applying my additional payment to the balance transfer amount but to my outstanding ( purchase ) balance. When I spoke to customer service at Capital One, they told me that " Capital One applies your minimum payment amount to pay off lower-rate balances before paying off higher-rate balances. We apply any amount in excess of your minimum payment to higher Annual Percentage Rate balances before lower-rate balances. '' In other words, if you have a balance on your credit card, it will be difficult even impossible to pay off the balance transfer amount and the consumer will end up incurring interest on that balance transfer even though Capital One is supposedly giving you a 0.0 % APR " deal ''. That is not made clear unless you read the fine, fine print. I have contacted Capital One and asked that they reallocate my payments.I have not heard a response from them yet, outside of saying that they received my message, after almost a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I currently have an installment loan in the amount of {$2600.00} from Speedy Cash which I took out in XXXX of 2014. At the same time, I also have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood, including Speedy Cash. So basically, I have both a {$300.00} payday loan from Speedy Cash and a {$2600.00} installment loan. Is that legal? 

I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive for me, and I do n't know what to do. I already filed XXXX other complaints about my payday loan situation, XXXX for each of the different lenders. 

I 've been paying about {$140.00} every two weeks on the Speedy Cash installment loan, and I 've already paid {$2200.00} between XXXX of last year and XXXX of this year. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible? Are all my payments going toward interest only? 

I ca n't keep paying on all these loans. I need to prioritize my rent ( {$1100.00} ), car payment ( {$320.00} ), insurance ( {$180.00} ) and my other basic needs like food and utilities. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm struggling to figure out a way to get out of this deep financial hole that I 'm in. I do n't want to default on the loan, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies. 
To make matters worse, I 'm also facing being laid off from work in the next few months. 

I need help. I do not have the ability to keep paying on this loan and the other payday loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. I 'm wondering if it was legal for Speedy Cash to give me a payday loan and a {$2600.00} installment loan at the same time? Also, someone told me that in California, there are no interest rate caps on loans above {$2500.00}, and that might be a reason why I got a loan for {$2600.00}. Intially, I did n't want that much money. I only wanted to borrow {$1000.00}, but they ended up lending me way more. Now I 'm having trouble paying it back and my principal is n't decreasing with my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: RI

Complaint narrative:
My mortgage company, Caliber Home Loans , Inc., has given me a difficult time about paying my local fire district taxes even though a portion of my mortgage payment is collected by them to pay those taxes. I 've had to spend considerable time to get these taxes paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The taxes are due on XXXX XXXX. In XXXX XXXX, I received a phone call from Caliber informing me that they would pay my taxes. Today, XX/XX/XXXX, I received a letter from the fire district indicating that the taxes have not been paid and that the account would soon be going to a collection agency. Caliber has been collecting money from me under false pretenses and is going to ruin my credit. This company needs to be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX, XXXX, I sent a certified letter XXXX return receipt received XXXX/XXXX/XXXX ) to XXXX XXXX XXXX, XXXX & XXXX of Capital One Financial Corp. To date I have not received a response from Capital One. The gist of the letter ( attached ) is that I was instructed to replace the Home Equity Line of Credit ( HELOC ) I had with Capital One as part of refinancing my first mortgage ( formerly with XXXX XXXX ) with them. My original HELCO with Capital One also served as overdraft protection to my checking account at Capital One. A feature I have always maintained was of utmost importance to me. As detailed in the attached letter to XXXX XXXX, after a month of receiving the run around from various departments regarding the overdraft protection status on my HELOC, I was told the bank no longer provides overdraft protection through HELOC! I could initiate transfers to cover any potential overdraft, but it would not happen automatically. Three times, the online system to transfer money from my HELCO to my checking has failed to operate. After speaking to four people in two different departments, Capital One still failed to resolve the issue. I ended up driving to the branch to get it done in person. To date I have been charged {$210.00} in overdraft fees. This is AFTER completing the bank 's own HELOC Overdraft Protection form as part of the application process. In short, the bank told me to change my HELCO for a lower rate and continued overdraft protection, then they turned around and denied me the overdraft protection, claiming that they no longer offered the service effective XXXX. Almost a year after they gave me the forms to apply for the exact service they claim to no longer offer and which I had been using for years prior. 

Finally I am very surprised and disappointed that I never heard from Capital One. I knew the President would n't respond personally and is probably completely unaware of the fact that I sent a letter to his attention in the first place, but the policies, practices and procedures of Capital One throughout this entire process has been anything but customer friendly. I might as well bank at XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
My home is under foreclosure and a short sale has been in place since XXXX XXXX, 2015. We are dealing with a negotiator at Caliber Home Loans who changes her mind weekly about accepting or not accepting an offer. We have a XXXX lien which is requesting a specific amount of the loan to be paid towards them. Caliber previously agreed to paying them from the short sale and now is forcing us to use our relocation fees to pay for this XXXX lien. 

Meanwhile, another motion has been filed by Caliber to proceed with foreclosure. We can not seem to get this finalized once and for all. Our realtor has done all he can to work with Caliber on a resolution but to no avail. 

This process has been more than emotionally draining and frustrating. We are trying to avoid foreclosure and it does n't seem Caliber wants to cooperate and this particular negotiator seems to be the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: AL

Complaint narrative:
Please explain, in detail as the reason account number, XXXX ( current Caliber account number ) was listed on " Notice Of Sale Of Ownership Of Mortgage Loan '', " date of ownership being transferred, XXXX XXXX, 2015 '', with servicer listed as XXXX XXXX XXXX. Why was I instructed to pay, account number XXXX, to XXXX XXXX XXXX, through XXXX 2015, when attached, .pdf documentation, clearly states, account number, XXXX? 

What date, did your company acquire my account? What date did your company start servicing my account? Does your company act as the servicer, and Master servicer? Please provide to me the name ( s ), mailing address, and actual on site address, of servicer, and Master servicer, please. 

Also, please provide details, as to whom ordered BPO, dated XXXX/XXXX/2015. 

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 2017-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Prospect Mortgage, LLC
State: NC

Complaint narrative:
I applied for a IRRRL loan through CapWest Mortgage ( - A division of Prospect Mortgage located on XXXX XXXX XXXX XXXX XXXX, CA XXXX, Branch XXXX # : XXXX ) on XX/XX/2016. The loan officer convinced me that I would benefit from a Cash out Refinance to cover some of my debts instead of the IRRRL or streamline loan for which I had been approved on the spot based on my credit score. An appraisal was ordered for which i paid. I was told the appraisal amount and advised to sign the Acknowledgment of Receipt of Appraisal Report quickly so that they loan can be locked. This is not only strong arm tactics but I think the company owes me a copy of the appraisal report. 

Secondly, the company dragged my application from XX/XX/XXXX when I first contacted them till XXXX when my application was first submitted to their underwriters. In today 's market I can no longer get the kind of interest rates for which I was qualified ( 2.9 % ) XX/XX/2016. If my application was processed efficiently and denied accordingly, I could have had enough time to apply for a better rate with some other company before the rates went up. 

Thirdly, only XXXX credit agency was consulted before the underwriters rejected my application for a high debt to income ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 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:
Original creditor is previous landlord ( XXXX XXXX XXXX in XXXX, TX/XXXX XXXX XXXX in XXXX, TX ) - has charged us for excessive/fraudulent move out fees ( Deceptive Trade Practice ). We have disputed several times. Account was forwarded to collections agency ResidentCollect. Again, disputed and requested validation via Certified mail within 30 days. ResidentCollect reported to all credit bureaus on 30th day before legally validating per FDCPA laws.

Company response to consumer: Closed with explanation