vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
On XXXX XXXX, 2015, I submitted payment of {$14.00} in a cashier 's check # XXXX to XXXX XXXX XXXX to payoff lease vehicle. It 's been forty-four days and Toyota Financial Services has not updated my credit report to show the account has been paid in full with a XXXX balance. The account is listed under XXXX XXXX and XXXX XXXX, as co-signer. I have filed several disputes with all XXXX CRA and the company has not complied. I would greatly appreciate your assistance in this matter ; and request a full investigation into the conduct of this company for failure to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 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: TX

Complaint narrative:
I received a letter from Portfolio Recovery in Reference to the below mentioned account number. This debt was cancelled by the original Credit Card Company after I disputed this debt as paid and also filed a complaint against the company, XXXX Bank. Portfolio has stated that I failed to submit information to prove that the debt was invalid, I did not receive any communication from Portfolio Recovery until today about this debt. It was cancelled in XX/XX/XXXX. I am enclosing the statement issued thru CFPB by Portfolio Recover after my filing and also I am faxing the letter that they sent to me, that I received yesterday. 

This debt was settled years ago thru another collection agency. 
Case number : XXXXRelated Case Number : XXXXBackStatus Response not disputedPortfolio Recovery Associates LLC said : Explanation of closurePRA purchased the XXXX Bank XXXX credit card account ending in XXXX from XXXX Bank on or about XX/XX/XXXX. Business records provided to PRA by XXXX Bank at the time of our purchase verify that the account was opened on XX/XX/XXXX, by XXXX XXXX whose social security number ends in XXXX and that a balance of {$620.00} was due on the account at the time of PRA 's purchase. 
In response to your dispute, we closed the PRA account ending in XXXX and requested that the consumer reporting agencies remove our tradeline for the account from their credit reporting. 



ReliefIn response to your dispute, Portfolio Recovery Associates , LLC ( " PRA '' XXXX closed the account and requested that the consumer reporting agencies remove our tradeline for the PRA account ending in XXXX from their credit reporting. 





ResponsePRA received and investigated your dispute. We closed the PRA account ending in XXXX and requested that the consumer reporting agencies remove our tradeline for the account from their credit reporting. We believe that no further steps in response to your complaint or follow-up actions are required at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
on XX/XX/2016, I received a call from a person by the name of XXXX from the law firm of XXXX XXXX, which is a principal partner of XXXX XXXX XXXX. According to XXXX XXXX, she represents Portfolio Recovery Associates and she was calling to negotiate on their behalf. Based on information provided to me by Portfolio Recovery Associates one month prior to receiving the call from XXXX XXXX, I had a total debt of {$670.00}. As such, on XX/XX/2016, XXXX XXXX, who I assumed was representing Portfolio Recovery, negotiated with me and agreed to accept {$300.00} as total payment, and according to her, the debt was settled. According to XXXX XXXX, the conversation was recorded and that she was going send me a confirmation letter in the mail within XXXX hours. As of today, XX/XX/2016, I have not receive this letter. In addition, XXXX XXXX, has not return numerous phone messages that I left for her in her voice mail. I have sent a validated bank receipt of the transaction on XX/XX/XXXX which shows that XXXX had withdrawn {$300.00} dollars out of my checking account to the XXXX major credit bureaus for them to investigate this matter, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
portfolio rc not my account need proof of debt with contract and signature

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called outside of 8am-9pm
Company: FC HoldCo LLC
State: CA

Complaint narrative:
XXXX XXXX called at XXXX from XXXX and left a message by XXXX on my cell phone. I am in XXXX and this woke me up from my sleep. Very disturbing. It is a violation of the fdcpa.

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 2016-11-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pendrick Capital Partners Holding, LLC
State: MD

Complaint narrative:
Ref # : XXXX has report this account account as open XXXX XXXX, XXXX Open Account # XXXX {$240.00} Balance XXXX Original Creditor {$240.00} High Balance XXXX XXXX, XXXX Opened Date - XXXX XXXX, XXXX Last Reported I would like to dispute the item noted above on my credit report I have made every attempt to obtain information related to this item reflected above that is being reported on my credit report under the name XXXX XXXX XXXX. Between the original creditor and the agency noted in this dispute the original creditor provided me with XXXX other companies that they assigned their debt collections too and still no one has any knowledge of this debt. 
As a result, I have not been able to verify the following : 1. Original date of service, account number & place of service/provider 2. The original creditor does not have the account number, nor information as to who the debt is owed to yet they have assigned it to a party to be collected. 
3. I 've contacted " XXXX XXXX Solutions '', 4 times via phone regarding this matter over a 60 day span and was told by the call center rep. that a request to have the item remove would be forwarded to the manger. 
As of XXXX XXXX, XXXX, upon reviewing my credit report I notice that XXXX recently update my credit report on XXXX XXXX as an outstanding collection item reflecting {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Speedy Cash # XXXX is reporting a {$1200.00} debt on my credit report. I never had a loan with this company before. I tried to resolve this matter but can not get the help and cooperation I need. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I had asked Caliber Home Loans to be removed from e-statements and for them to mail me statements XX/XX/2016 because I would miss the e-statement emailed to me and accrued a late payment. They removed that late payment. Caliber Home Loans did not remove me from e-statements nor did they mail me a statement and I accrued another late payment penalty. I called again in XX/XX/XXXX requesting to be removed from e-statement and never receive a statement by mail. I called again in XX/XX/XXXX and explained how I have always paid in advance when I would receive my statement in the mail. Now this e-statement has messed up my payment history and wanted to receive statements by mail and asked to have my late fee waived. 
I have asked several times for it to be removed and Caliber Home Loans never did. My account shows me contacting them several times but with no response from Caliber Home Loans. I spoke to account representative and asked to speak with a manager. The account representative said that the manager was busy and would call me back. I have never received a call back from Caliber Home Loans. I asked for them to waive my late fee and they would not. I tried to pay my mortgage payment online but Caliber Home Loans would not allow me to make the mortgage payment without paying the late fee. So I mailed them a payment. Caliber Home Loans sent me a letter stating that my payment was posted to my suspense/unapplied funds account. What is that? How being late on two payments equal to a {$310.00} fee? Where in my mortgage does it state Caliber Home Loans can defer my mortgage payment to another account? How can Caliber Home Loans send me a letter but be negligent in sending me a statement in the mail?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
Caliber Home Loans, Inc., XXXX. XXXX XXXX, XXXX, TX XXXX ( Account Number XXXX ) maintains a suspected practice of receiving home loan payments before the deadline of the XXXX of the month, holding payment several days and posting the payment after the deadline for the purpose of charging inappropriate late fees. I mailed a payment on XX/XX/2016 and Caliber acknowledged that they received the payment prior to the XX/XX/2016 deadline. However, Caliber Home Loans , Inc. did not post the payment until XX/XX/2016. When I complained that they had adequate time to post this payment before the late fee deadline, they defended themselves by claiming an inability to handle their heavy workload. I feel this is an inappropriate business practice that borders on improper. Customers should not be held responsible for the poor processing of payments by this Mortgage Company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: CA

Complaint narrative:
Complaint against Business Name : AES American Education Services Address : XXXX XXXX City : XXXX State : XXXX Zip : XXXX Telephone Number:XXXX I took out a parent plus school loan for my son in 2006. 
Currently the loan is held by AES. 

The original amount was XXXX at 7.750 % interest rate. 
My current loan balance on the most recent statement is XXXX Total Interest satisfied is XXXX Total Principal satisfied is XXXX. 

I had to go on forbearance for a few years during the recession, my husband lost his job and we relocated to XXXX from XXXX. 
I tried to get the interest rate down when the government reduced interest rates but they would not budge. 
I called recently regarding the XXXX, XXXX amount I satisfied on the loan yet still owe close to the original amount. 
I did not get an answer other than I went on forbearance and accrued interest. 
It does not add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
This debt is subject to the Hospital Fair Pricing Act and request has been made for the same. Collection efforts thus violate XXXX Health and Safety Code Section XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
Please see the attached letter and receipts to explain in better detail the facts of the case. 
Caliber Homes charged us {$10000.00} in order to keep our home from being foreclosed, yet we had made the payments ( receipts are attached ). XX/XX/XXXX I mistakenly paid {$87.00} short for a total of 3 months for a total of {$260.00}, yet I was forced to pay {$1900.00} in order to keep our home from going to foreclosure. I did receive one response from Caliber after submitting one complaint with you, they state that I was behind XX/XX/XXXX and therefore needed to pay {$10000.00} to keep my home ( see receipts & statements that I have ). There were many discrepancies at the time for the amount we owed, and that has not been explained ; different amounts are {$17000.00}, {$8600.00}, {$8500.00}, {$8100.00} depending on who you talk to or what correspondence you receive and they have not been addressed. Please address concerns and apply additional monies that I am sure I have paid towards my loan to the principal balance. 
Thanks in advance for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I fell behind on my mortgage after lay-off. I soon learned I would need XXXX before returning to work. I had the surgeries and was unable to return to my work as XXXX and now have been XXXX for a new occupation at less than half my former income bracket. I have applied for a Short Sale but still have a forclosure sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
I 've been monitoring my credit report and I noticed that things that supposed to be removed or not removed they 're just replaced back on the credit report even though it has been removed remove means taking off just 3 weeks ago things were supposed to be removed off my account and I still see them then I need an accurate credit report I 'm trying to reestablish credit and I need everybody to report accurately so that I can get this cleared up and move on with my life my credit is important to me and I feel like everybody should report and identify XXXX things just not related to me and remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Commenity bank will not stop calling day after day about 6 times a day. When I do n't answer them, they start calling from a private number, when I ask who is calling, they will not tell me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: OpenRoad Lending
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX Open Road Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was sent a letter by my local bank offering me a loan for my 2016 Kia Soul. I went to my bank got the loan and purchased automobile. I never authorized or called any of the above companies to run credit checks on me. My bank said they do not sell my information. The companies below were not authorized to run credit checks on me. I contacted them and they want me to file identity theft when that is untrue. My credit rating dropped XXXX point after these were preformed. have contacted each company demanding proof with original signatures and contracts, paperwork etc. They said no we will not cooperate I need them to remove all info from all credit reports due to damage to credit rating. Its there fault I want them to fix it or I will seek legal action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MFP, inc.
State: FL

Complaint narrative:
I received XXXX letters for regarding accounts # XXXX and # XXXX. The letters from Financial Credit Services were dated XXXX XXXXXX/XX/2015. They said I owed XXXX amounts XXXX {$250.00} and XXXX {$500.00}. It said it was from XXXX XXXX XXXX XXXX, but did n't give any detail. I did not recognize the debts and do not believe them to be mine, so I requested validation and proof I owed them the alleged debts. In the letter I requested competent evidence I had a contractual obligation to pay them the alleged debt. I also disputed the debt and asked for validation including copies of any agreements signed by me, explanation of the amount, identify the original creditor, if any insurance claims were submitted alone with either documents regarding assignment of the alleged debt or proof the alleged debt was purchased. I later received XXXX letters, XXXX dated XXXX XXXX, saying the requested information was enclosed. Neither letter specifically addressed any of my concerns nor provided any of the information I requested. XXXX " letters '' provided online print-out of basis coded information. The XXXX account for {$250.00} did not even list my name but my daughter 's name and the account # XXXX showed my name, but does n't provide any information regarding what the debt was for, that it is my debt. The online prints out are very basic and encrypted. I subsequently mailed them XXXX more letters via certified mail notifying them that the online printouts do not qualify as validation or specific proof the debts are mine or I have any obligation to pay them. I still do not know what the debt was for nor do I have any clue they own or was assigned the debt. Financial Credit Services did not respond do either of the XXXX letters and on XXXX XXXX submitted the debts against my credit report. I believe their practice is against the law and does not comply with the debt collection policies. I do not owe these debts and they will not provide proof I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
I did apply for a payday loan. When I asked for the repayment amount I was told it can only be determined after I accepted the loan. This occurred at rapid cash in XXXX XXXX Nevada. On XXXX XXXX and XXXX. The loan officer refused to give me proper information of the loan prior to me taking out the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
Caliber Home Loan purchased or was servicing the loan from the prior company never notified all interested parties as I am on the note and deed but not on the Mortgage. I have been trying to save the home as I purchased the properties with a partner which is the primary person on the documents. 
I have received recently information regarding foreclosure which I was never notified of the initial delinquency or intent to foreclose and nothing regarding a lender placed insurance policy placed on the home. I requested copies of original signatures on the documents signed at closing ie Note, Deed etc. To date they mentioned since Im not the initial person on the loan they can not speak to me but they have initiated me in the foreclosure process. I would like to modify these loans as they are upside down the amounts owed currently and the values and underwater. No one from this Mortgage company ( which the original company XXXX ) has contacted me directly via phone other than initiated a foreclosure process.. 
Please look into this company and its current dealings as I am in the dark about the documents requested.

Company response to consumer: Closed
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lazarus Financial Group, Inc.(Closed)
State: FL

Complaint narrative:
I have written and written this firm many many times with no response. they are reporting on my credit report and will not send me any information about the debt they are reporting. This firm keeps verifying with the credit bureaus without having validated it with me which is a violation of the law. They just ignore consumer mail i guess. this is causing me financial hardship and the continued reporting of an unvalidated unverifiable debt is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
Hsbc informed me that they sent encrypted and password protected disks which included, which included all of my personal information of me and my co-signer XXXX XXXX XXXX to an unauthorized commercial third party. My identity has just been stolen and XXXX of dollars were withdrawn out of XXXX of my debit cards. i called and complained to Hsbc and all they do is put me on hold and never return. All their offering is a bogus identity guard protection after the fact. I attempted to apply for this guard abd its too complicated abd their requesting many documents to be sent to them in order to activate me its too complicated and time consuming. Can you help me i fear that i may lose every thing because of their negligence.

Company response to consumer: Closed with explanation