vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I contacted Toyota Financial Services when my account was XXXX days past due, attempting to make the remaining portion of my monthly payment on that day to avoid my credit from being affected. However, due to Toyota 's inability to date my payment by phone for the same day, the only option given to me was to date it for XXXX days later ... .the earliest possible date it would reflect as posted on my account. I disputed the credit mark directly with Toyota and through the credit bureaus, but it has not been removed. This now impacts my ability to afford the purchase of a home for my family at a reasonable rate. 

I was a good customer and appreciated the overall service received. I paid the loan off in full, and this one instance was the only time the account went over XXXX days past due throughout the duration of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Portfolio Recovery Associates sued me in Colorado court without proper notice of a court date or verifying the credit card debt. They told me it was a valid debt and I had to pay and that their " litigation '' department had verified the debt. I ended up paying something like {$7500.00} to them since they garnished my wages and I just saw the CFPB article about Portfolio Recovery Associates illegal activities by XXXX so I want my {$7500.00} refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Harley Davidson Financial Services Inc
State: LA

Complaint narrative:
Harley Davidson Financial Services calling more than XXXX times daily to collect on account that is late no more than 1 day.For example, if pmnt. has been made online thru their very own website the day before being tardy they will begin calling the very next day.Have stated on phone if 1 hour overdue account is late. I do not want credit rating affected in negative manner because of their overzealous collection practices. This company is allowing very unfair and unprofessional business practices to be performed and should definitely have a grace period in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX/XXXX/2015 I received a unknown call on my cell phone with a message left with a threat of a law suit from a law department ; the person calling did not leave there name or what law department they were calling from just the I needed to call Portfolio Recovery. The message stated I must call today to discuss or a lawsuit would be filed and delivered to my home or work between XXXX and XXXX on XXXX/XXXX/2015. I have not spoken to anyone as I received some strong messages from individuals in XXXX, XXXX, and XXXX leaving messages that warrant would be issued ... the message did not say by whom or for what ... just that I needed to call. The numbers were unknown and the tones of the individual leaving the messages were very strong and threatening like a scammer to take you information and steal your identity. I am very nerves as and scared to go to outside to my car or work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: USI Solutions Inc.
State: OK

Complaint narrative:
I get robo calls from XXXX USI Solutions , Inc. to my phone XXXX at least several time per week. I am on the do not robo call list. They say they are a dbt collector. I phoned them once on XX/XX/2017 and asked for documentation and gave them my XXXX, XXXX, OK XXXX address and gave them verbally 30 days to respond. I told them to stop calling until I got the documentation at which time I would call them. I have never received the documentation. They have continued calling throughout the relevant time period. When I try to call them I get no answer. I have tried repeatedly to call them and there is never any answer. Please help me to stop this harassment on my business phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Lazarus Financial Group, Inc.(Closed)
State: TX

Complaint narrative:
Lazarus FinancialXXXX TX XXXXUnited StatesThis company continues to levy a collection item on my credit report even though I have provided them all the responses they requested concerning Identity Theft. This debt is NOT my debt and it needs to be REMOVED from my credit report as a collection item. I never heard from this company prior to them placing the derogatory item on my credit report and XXXX I learned they hurt my credit I have asked repeatedly they remove the item from my credit. They refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
XXXX BANK SOLD THIS LOAN TO CALLIBER HOME LOANS AS OF XXXX. THE HOME HAD A SET SALE DATE BY XXXX. XXXX FAILED TO INFORM THE CUSTOMER ON XXXX WHEN THEY SPOKE TO XXXX XXXX THAT THE LOAN WOULD BE SOLD AS OF XXXX. FURTHERMORE, XXXX FAILED TO SEND THE MODIFICATION PACKAGE TO THE NEW LENDER CALIBER HOME LOANS. IT TOOK CALIBER HOME LOANS XXXX DAYS TO " BOARD '' THE LOAN. THE MODIFICATION PACKAGE WAS ALSO SENT TO CALIBER HOME LOANS, BUT SINCE THE LOAN NUMBER WOULD NOT BE GIVEN, CALIBER DOESNT KNOW WHERE THE DOCUMENTS WENT. 
" IF THE LOAN NUMBER WAS NOT BOARDED, THEN THE DOCUMENTS WERE IN LIMBO '' STATED BY SUPERVISOR XXXX WITH CALIBER HOME LOANS. 
THERE IS NO EXCUSE FOR XXXX NOT TO HAVE SENT THE COMPLETE MODIFICATION PACKAGE TO NEW SERVICER. 
THERE IS NO EXCUSE FOR THE NEW SERVICER TO HAVE A SALE DATE SET IF THEY DONT HAVE THE LOAN SET UP. XXXX DAYS AFTER THE TRANSFER OF THE LOAN, THE LOAN WAS FINALLY SET UP BUT THE SALE DATE WHICH IS STILL SET FOR XXXX DOES NOT GIVE AMPLE TIME TO REVIEW THE LOAN FOR ASSISTANCE PER CALIBER HOME LOANS. CALIBER HOME LOANS HAS STATED THAT THEY ARE LOOKING INTO THE DOCUMENTS WITH LOSS XXXX AS WELL AS REACHING OUT TO XXXX. THE INABILITY OF THE LENDERS TO MAINTAIN A FILE IS INEXCUSABLE. CALIBER HOME LOANS STATED THEY DID NOT RECEIVE THE DOCUMENTS WHEN SUCCESSFUL FAX AND EMAIL CONFIRMATIONS WERE KEPT AS A RECORD. 
FURTHERMORE, CALIBER HOME LOANS FAILED TO SEND THE HELLO LETTER WITH THE NEW LOAN NUMBER, AND WERE ONLY ABLE TO PROVIDE THAT INFORMATION AS OF THE XXXX DAY. 
AT THIS TIME WE ARE DEMANDING THE POSTPONEMENT OF THE SALE DATE OR XXXX XXXX WILL ASSERT HIS LEGAL RIGHTS NAMING BOTH XXXX AND CALIBER HOME LOANS AS DEFENDANTS. 
XXXX AND CALIBER HOME LOANS ARE DISCRIMINATING AGAINST XXXX XXXX BASED ON RACE ETHNICITY, MARITAL STATUS, LANGUAGE, AND THE FACT THAT XXXX SERVICERS CONTINUE TO FORECLOSE AFTER THEY CONFIRMED THE HOLD UP AND GRAY AREAS WITHIN THIS SITUATION ONLY CONFIRMS THIS ALLEGATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-11 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: VA

Complaint narrative:
Resident Collection has posted a collection on my credit report in the amount of {$5000.00}. from XXXX. This dispute went before a judge in XXXX and was given a hearing date in mid XXXX. Resident Collection posted this debt in XXXX, prior to the hearing. At the hearing, the judge said I did NOT OWE for back rent. I have tried to contact these people but they keep putting me on hold, then disconnect me.

Company response to consumer: Closed
Consumer complaint received 2016-08-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
Caliber Home Loans states that they have provided us with a modification. 
I have not been provided a loan modification on my loan or property. Caliber has denied my claim and has continued to deny and drag our case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Ocwen Mortgage LLC got my mortgage loan from XXXX XXXX XXXX in XXXX. Since they have had the loan they have told me several things one my monthly mortgage payment ( XXXX vs less then XXXX ) is higher then the real amount. Then the escrow amount is high because I missed payment ( they have now knowledge that was incorrect. But still say I need to modify my loan because I am behind ) I have repeatedly asked how that can be and they still do n't known or answer the question. My mortgage has been 40 years at 3.625 % since XXXX which make my monthly payment just under {$800.00} and I have paid more than that very month so how can I be behind on the my mortgage. Also they want me to modify my mortgage to 40 years at 3.625 % which is the same as it is now for a monthly payment of {$790.00} which is what has always been.

Company response to consumer: Closed
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
I had a medical bill paid off entirely and even the account it self states the balances is XXXX 2 years ago. I got a call on XXXX by debt collection agency claiming that I owe XXXX dollars and I have to paid the debt. I never got a notice of the bill or invoice or anything for the past two years since the date of service. I just received a collection agency bill yesterday. I check my mail every night after work, did not see any medical bills in there. For two years after I paid the medical bill off

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

Complaint narrative:
We received a Loan Modification Approval in XXXX 2016 from Caliber Home Loans. They required a reinstatement fee / good faith payment of {$2300.00} by XXXX XXXX, along with the documentation for the modification. We sent the executed modification documentation along with the fee, via cashier 's check and XXXX, which was received by Caliber on XXXX XXXX, as verified by XXXX delivery tracking. On XXXX XXXX, we were notified by XXXX XXXX XXXX XXXX XXXX XXXX XXXX that Caliber had submitted a bid to purchase our home at Foreclosure Auction on Wednesday XXXX XXXX ( 2 days from now ). We 've been advised by XXXX that we should file a complaint against Caliber for " dual tracking our loan '', which is what we are officially doing with this communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
Despite Maryland to the contrary, Caliber Home Loans refuses to pay escrow account earned income to its Maryland borrowers. See, in relevant part, this section of Maryland Code : MD Comm L Code 12-109 ( 2013 ) What 's This? 

12-109. 

( a ) ( 1 ) In this section the following words have the meanings indicated. 

( 2 ) " Lending institution '' means a bank, savings bank, or savings and loan association doing business in Maryland. 

( 3 ) " Escrow account '' means an expense or escrow account which tends to protect the security of a loan by the accumulation of funds for the payment of taxes, insurance premiums, or other expenses. 

( b ) ( 1 ) A lending institution which lends money secured by a first mortgage or first deed of trust on any interest in residential real property and creates or is the assignee of an escrow account in connection with that loan shall pay interest to the borrower on the funds in the escrow account at an annual rate not less than the 6-month average dealer bid rate on nationally traded certificates of deposit, as published by the Federal Reserve in " Selected Interest Rates ( Daily ) - H.15 '', as of the first business day of the calendar year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was shopping around for an airline ticket online when a Citi AAdvantage advertisement popped up offering {$100.00} discount on the ticket. I applied for the card and purchased the ticket expecting the discount to be applied before finalizing that ( the ticket ) transaction. It did n't happen. I called Citi and I was told NOT ONLY that a {$100.00} would be credited to the account once I were approved, but ALSO that I would get {$100.00} off of EVERY XXXX ticket I purchased during a year. Tomorrow the cc is due so today I checked the statement online and learned nothing had been posted. I called Citi again and I was told the credit would appear in the next billing cycle. Explanation as to why it was n't on the first statement was that the cycle ended on XXXX XXXX and up until that day I had n't used the card yet. It did n't make an sense to me. If the XXXX cycle ended on the XXXX and the balance was XXXX, why was n't the {$100.00} posted to the account in the XXXX ' cycle? Tomorrow my XXXX payment is due so today I printed the statement, walked into a Citi Bank and paid off the balance. I also talked to a, I believe he said, personal adviser. This employee made a phone call and then informed me that the offer is actually UP to {$100.00} credit on purchases made on board of a XXXX flight. 
I 'm an educated person. I can read. None of this nonsense was in what I was offered and accepted.

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 2016-09-29 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Law Office of Harris & Zide
State: CA

Complaint narrative:
XXXX. dropped " legal '' papers off at my place of employment when I was not present. They left the papers with the manager on duty. The papers were not even in any kind of envelope or sealed in any way. Open to the public. My information was displayed out in the open with my social security number and other personal information. I felt deeply embarrassed. This is illegal as this debt is over 10 years old. The judgement was entered on XX/XX/2007. They have been harassing me with phone calls for years on end. They have been relentless in pursing a debt that can no longer be legally collected. The " legal '' papers they left have no merit. They were not even stamped by the court ; nor were they signed by any attorney. I work as a waitress in a restaurant for a minimum wage and salary. I also have over {$100000.00}. in student loan debt. And like many Americans I am having difficulty paying it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: VW Credit
State: MO

Complaint narrative:
After the car was returned to Volkswagen back in 2012 we received a letter stating that we owned nothing on the account at all. We have no idea why we are receiving collection attempts on a fraudulent amount and we would like for this to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc.
State: OH

Complaint narrative:
I receive multiple calls per week from XXXX and they leave a message saying I need to call them because they are trying to collect a debt. However, I have no outstanding debts and they have not provided the required 10-day written notice for any debt claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
None of the above describe my issues However, on XXXX 2016, I call XXXX XXXX XXXX for Speedy Cash XXXX XXXX after viewing my XXXX credit report I came into an agreement with them to pay off the {$1400.00} in full that day and they promise to delete the collection file from all Credit Reporting Agent. However, to this day that has not happen, their excuse : In XXXX 2016 they said it take 30 days ; XXXX 2016, they said it take 30 days, XX/XX/XXXX - XX/XX/2016, they said I would have to wait another 30 days however, they did say that they did submit the information to all Credit Reporting Agent and they just have not done it however, I call XXXX and they said the late time they had any communication with XXXX XXXX XXXX XXXX or Speedy Cash since XXXX XXXX, 2016, and the did not ask them to delete any files. I attempt by phone to resolve this issues to know avail, just lies. Can not contact Management of lender.

Company response to consumer: Closed
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: AK

Complaint narrative:
Caliber Home Loans failed to pay our annual property taxes for XXXX but all year have been dispersing funds from our escrow account. We received a deliquent tax notice with threats of foreclosure. I provided this information to the Caliber Tax Department via phone and fax on XXXX/XXXX/XXXX. Spoke to supervisor XXXX XXXX who promised to resolve immediately and call me back to update me on the status on XXXX/XXXX/XXXX. It is now XXXX/XXXX/XXXX, I have left 3 message with Supervisor XXXX XXXX with no return phone calls and the Tax Department customer service representatives claim they will have someone call me back but no communication. Currently our escrow account shows that funds have been paid out and the Mortgage Company can not account for nearly {$6000.00} worth of our money paid into the Escrow account but the money is now no longer there but our taxes were not paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I pulled my annual credit reports from all XXXX bureaus. There is an unauthorized hard inquiry on my XXXX report. I could not dispute this with XXXX ( it rejected 4 times! ). This same creditor is listed numerous times online for unauthorized hard inquiries so I figured this is a job for the CFPB. While we still have one. There is NO account, just the inquiry. Here 's mine : Hard Inquiries : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aqua Finance, Inc.
State: IL

Complaint narrative:
I was told by XXXX, that they would run a credit application to get us financial approval to install a new roof on our home. XXXX called back a few weeks later and said we were approved to get the work done! I asked them how much was the approval amount! They stated XXXX! I also asked them, what would be the monthly payment, they stated XXXX dollars! The contractor stated that they would send a crew out to start the job in a few weeks! A few weeks later, they did start the job! Their entire crew only ended up being XXXX guys! These XXXX guys rushed to hurry up and finish the job! They were on top of the roof during the late evening in complete darkness hammering and nailing! The contractor told them to rush so that they could meet the deadline to start the next job! And that is exactly what they did! They did a terrible job, and the quality of work was bad! We did n't receive any paper work until the job was done! The Paper work was not the same! We received different papers on XXXX different occasions to sign! We did n't have the option to to cancel the job in the 3 day period that was stated in the paper work! We did n't know about that option until after the 3 day period had already expired! We did n't think we had a option to decline, especially since the work was now completed! Then we made the first payment of XXXX dollars to Aqua finance company, instead of the pay off amount going to a lesser amount the pay off amount went up in price to XXXX dollars! Then we received a bill statement outlining the details of the loan! The XXXX dollarso only went toward the interest rate, instead of the pay off balance! In order for the payment to go toward the interest and the pay off balance, we must pay the minimal payment of XXXX dollars instead of the XXXX dollars! We are also being charged XXXX dollars late fees for payments not received within 10 days and our APR may increase to the penalty APR of XXXX percent! I blame XXXX for setting me up with this predatory lender Aqua finance! My credit score was XXXX during the time the roofing work was approved! I also got approved to buy a XXXX dollar vehicle during the same period! I really beuylieve, I should have got a better financing option than what I was offered! The worker from XXXX XXXX stated we always go with the first approval! This first approval, is set up for me to fail! This is a total rip off! Please help me get a fair and reasonable loan which is not going to take advantage of me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
The lender is refusing to review the clients file for loss mitt options - We submitted the loan modification package to the lender on XX/XX/XXXX they failed to provide us with a missing docs letter - we spoke to the lender on XX/XX/XXXX and was advised of missing items - the missing items were provided to the lender on XX/XX/XXXX - the lender did not pull the requested docs to confirm they were received for the review until XX/XX/XXXX and then advised that due to the sale date being on XX/XX/XXXX they were denying the review for loss mitt assistance.

Company response to consumer: Closed with explanation