vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: SD

Complaint narrative:
Due to a divorce I had to declare bankruptcy a little over two years ago. During the divorce proceedings we were told to stop making payments on the mortgage as neither of us would be able to afford the house on our own. That was XX/XX/2010. Since then the bank has never finished a foreclosure. They have started multiple times but just never finish it. I was under the impression that after my chapter XXXX bankruptcy went through that I would have to wait a minimum of two years before qualifying for a mortgage. I did everything in my power to repair my credit and when the time came my credit was good enough but they would not give me the loan due to the bank not finishing the foreclosure. I paid {$10000.00} to my landlord for the option to purchase and now ca n't purchase. It 's been nearly 5 years since we stopped making payments on the mortgage and my debt has been forgiven. Now the bank has sold the mortgage to another mortgage company and they are starting the process all over again. It 's already been six months since they have filed for foreclosure and I 've spoke to both the attorneys filing the foreclosure and the new mortgage company and they are not sure what is going on. All the previous attempts have just been cancelled without prejudice. Regardless even if they do get it finished I will have to wait an additional 3 years before I can apply for a FHA loan. I have done everything asked of me and because the bank can not finish their process I have been set back a minimum of 3 more years. How is that fair to the consumer. The mortgage companies need to be held accountable for the devastation they are causing the consumer. Thanks to this process I most likely will have to move and lose {$10000.00} in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Caliber Home Loans has filed a Notice Motion And Motion For Relief From Automatic Stay Under 11 U.S.C. 362 with supporting declarations XXXX XXXX. Movant : XXXX Bank Trust XXXX. for XXXX Master Participation Trust BY Caliber Home Loans , Inc., as its attorney in factThis action is based on XXXX months non payment which is in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
In XXXX 2015 I submitted all documents to apply for a HAMP with Caliber Home Loans. There has been numerous correspondence with Caliber by phone, email, upload of documents and viewing the website for updates on where we stand. Now five months later on XXXX XXXX one of there XXXX reps stated they will not except the numerous additional documents I uploaded to my caliber account. They stated the documents could not be pictures of them uploaded as I did with many of the most recent ones, going back to XXXX. As I understood, I asked why on XXXX XXXX is it the first time I was made aware of this. Many other XXXX have viewed these documents as I wanted to verify they received them, and only once did a XXXX have me resend a paystub, that he could not read, using this same method as I was on the phone with him. This XXXX received the paystub as I was still on the phone with him and viewed it and confirmed it was received and legable. On XXXX XXXX I then scanned the whole package along with more than requested paystubs to pdf files and emailed them to the email provided for loan modification documents. On XXXX XXXX, 8 days later, I received a letter from caliber stating we were denied the loan modification with a denial reason, that I did not provide caliber with the documents requested. Also I could appeal there decision by XXXX/XXXX/2015, which is 9 days from now. Unfortunately the communication piece is difficult as you are not speaking with underwriting who are handling all the documents. There was never a time lapse of more than a week in providing documents requested. I did have to call on many occasions to let them know the documents were there and had been there for 1-2 weeks. In the beginning of this process our overdue balance was XXXX and our full monthly payments were denied and returned to us resulting in a overdue balance of XXXX. This is my home that I take very serious and would like to resolve my debt more than anyone. My local HUD counselor advised that I file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 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: FL

Complaint narrative:
I/we sent a letter on XXXX XXXX, 2016 asking Global Receivable Solutions to send all documentation including my legal signature showing that a debt is owed to their company. After waiting 30-days, Global Receivable Solutions never provided me with the documentations. 

I/we then sent a follow-up with a phone call and letter on XXXX XXXX after receiving a phone call from a Representative [ XXXX XXXX ] on XXXX XXXX, 2016 advising that they did not meet their obligation outlined in the first letter. 

For this, the company has failed to meet the 30-day validation outlined by the Fair Credit Reporting Act ( FCRA ) and/or Federal Fair Debt Collection Practices Act ( FDCPA ). 

Due to the company 's unwillingness to send all requested information, it continues to affect my credit report. And I am unable to confirm this " alleged '' debt. Our belief is Global Receivable Solutions is not dealing fairly and would appreciate if CFPB conducts a full investigation of their business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I paid this medical account in full with the original creditor ( XXXX XXXX University XXXX XXXX XXXX ) and I was assured that the collections entry were going to be removed completely from all credit bureaus. The collection agency is refusing to remove the entry after a full payment was made to the original creditor and the collection agency is reporting the account as a paid collection instead of removing the account as I was told and agreed to. The main purpose to remove the account from my credit report is to lessen the impact on my credit score and be clear of any collections. I was assured that after making a " full payment '' the account was going to be completely removed and now that they received my money are refusing to remove the account from my credit report and instead just updated the account to reflect as a paid collection, this is a violation of our agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit
State: PA

Complaint narrative:
I discovered that Volkswagen credit reported a 30 day delinquency on my credit report. I disputed it, and XXXX claims they verified the delinquency. 
I then contacted VW and they assured me the reporting was in error and would be removed. 
I notified the credit bureaus, who refused to remove the delinquency, despite the fact I saved the voicemail from the manager at VW verifying the delinquency was being removed. 
I contacted VW and obtained an email AND a written letter verifying the delinquency was being reported incorrectly and would be removed. 
I mailed a copy of the email and the formal correspondence from VW to each credit reporting agency. They refuse to remove the delinquency because they previously investigated the matter, DESPITE THE FACT I HAVE WRITTEN CORRESPONDENCE FROM THE LENDER INDICATING THE DELINQUENCY SHOULD BE REMOVED. 
If this is not resolved, I will be forced to proceed with legal action against the credit reports. I seek to have this matter resolved without undue delay and costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PlusFour, Inc
State: NV

Complaint narrative:
Collector XXXX did not preform any due dalliance. Did not verify that the debt was mine before contact. Creditor ( Desert XXXX XXXX XXXX did not communicate with the my medical provider XXXX XXXX XXXX NV XXXX who requested in house the x-ray for a covered wellness visit. Under my XXXX XXXX thru XXXX this is a covered procedure as a senior citizen. Neither XXXX XXXX or XXXX Partners billing offices communicated between each other.. Neither asked for or passed along my basic insurance information. Neither would talk to the other. I never received a bill or statement. XXXX told me they did n't have to produce a bill. 
Desert Radiology went straight to collections they never contacted the XXXX XXXX EVEN THOUGH THEY ARE THE SAME OFFICE. 
I reiterate this is a totally covered procedure by Humana.

Company response to consumer: Closed
Consumer complaint received 2017-03-27 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: GA

Complaint narrative:
Portfolio Recovery Associate has no right to collect on a debt delinquent from XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount {$900.00} on or around XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that your company seeks to collect the specified amount. Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I believe that I have been targeted by debt collection scam by a firm named XXXX purporting to be a law firm and threatening suit on a stale account in addition to not identifying themselves as a debt collector. Today I received a voicemail from their computerized pre-recorded auto-dialer that stated the following message : " This message is intended for [ my name ], we have been instructed to obtain a statement from [ my name ] prior to filing in your jurisdiction you can provide your statement directly to XXXX. '' I later called the number and the call was answered as " XXXX '' by someone identifying themselves as XXXX who reluctantly said was a receptionist after extended questioning. I asked her why they called and she said that it was regarding a debt I owed. I asked where they were based out of and she said they are out of New York. I asked her if they were a debt collector and she said that they were not a debt collector, but a " pre-litigation '' ( her words ) company. I asked what that was and if this was a law firm, she stated again that they are a pre-litigation company and work with a group of attorneys. At no time did she explicitly state that the call was for debt collection purposes, despite stating the call was regarding a debt I owed. She confirmed my name and the county my address is in. 

She said that she would transfer my call to the paralegal handling my case after verifying my information which I gave to her. She transferred me to someone identifying themselves as XXXX who said that they were calling on behalf of XXXX XXXX XXXX who I failed to repay a debt to. I told her I do not recall having any current XXXX XXXX XXXX debts and she said that I opened the account in XXXX and stopped paying it in XXXX. I asked her if she was threatening me with a lawsuit on a time barred debt and she stated that it was illegal not pay them back. I told her failing to pay debts was not illegal and asked again if they were trying to sue me on a debt outside of the statute of limitations. She became very loud, abusive and insulting, which made me angry and I yelled back and she hung up on me. 

I called back the original number and spoke with the same person that answered the original call, I asked for her name and she said it was XXXX XXXX and I asked for my representative 's name and she said that it was XXXX XXXX. I XXXX the name XXXX and found out that the company was currently being sued by the FTC and has a history of similar actions in addition to no longer being licensed in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates are reporting to XXXX - ( a major credit reporting agency ) that my XXXX accounts ( reported with XXXX ) XXXX XXXX - opened XX/XX/XXXX. Also another account XXXX XXXX - opened XX/XX/XXXX are stated as such on my XXXX credit report : " consumer disputes after resolution '' this is a flat out lie. I requested over 72 hours ago that they remove the statement They complied and did just so, within 72 hours. The Dispute notation be REMOVED and portfolio recovery sent XXXX a request to do so, My credit report showed the dispute notation removed and now, as of Today, MOnday, XX/XX/XXXX PORTFOLIO RECOVERY ASSOCIATES LLC. had XXXX put the ongoing persistent dispute statements back on these XXXX accounts. Portfolio recovery associates is holding my credit report hostage to ongoing dispute notations. They are liars who lie to people and are full of trickery. they blatantly told me on the phone this is no longer in dispute status. Why are they still requesting these XXXX accounts with XXXX as 'CONSUMER DIPSUTES AFTER RESOLUTION ' THIS IS A FALSE INACCURATE DISPUTE REMARK. I AM NO LONGER DISPUTING THIS ACCOUNT. PORTFOLIO RECOVERY ASSOCIATES IS HOLDING MY CREDIT REPORT HOSTAGE TO THESE XXXX ONGOING DISPUTE NOTATIONS. gthese remarks need to be removed immediately. They are keeping me from getting my home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Over the last several years Portfolio Recovery has called me no less that 5 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
In accordance to FCRA Section 609, these accounts was further disputed in XX/XX/2017. And Portfolio Recovery did not respond to the initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these XXXX accounts to two credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XX/XX/2017 and past 60 days when these accounts were initially disputed. And Portfolio Recovery has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, Portfolio Recovery has not removed the XXXX accounts in question from my XXXX reports and XXXX reports. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XX/XX/2017. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I also have proof that I reached out to them with certified letters to them and the credit reporting agencies. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why are they not responding to my correspondence or supplying me something with my signature. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from Portfolio Recovery with filing legal suit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Continuous calls from them before XXXX. Got one XXXX i told her she was calling before legal time and she didnt care and got really nasty about my debt. Her response was " well its because you have an account to settle ''. So unprofessional and pushy and rude. Please reprimand this company immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-23 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: NY

Complaint narrative:
The debt was taken care of as a result of a consumer credit counseling debt consolidation and the original creditor XXXX XXXX XXXX XXXX was paid over {$4000.00} in which I paid more than the monthly agreed amount. The contract ended in XXXX and the account was closed. XXXX is now billing me for {$2600.00} of which I do not owe. 

When I have asked for verification they have provided me with XXXX statements showing a balance statement of revolving credit. XXXX from XXXX and XXXX from XXXX. Neither of which shows any purchases I have disputed this several times with no resolution. 

I do not owe them any money. I have paid my debt. This has been on my credit report since XXXX and I can not get rid of it. I have been trying to clean up my credit the right way and to have these types of companies who can do this is robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates sued us for a debt they had purchased from XXXX XXXX and was written off by the bank. We did not dispute that we owed money, but the amount was in question. We finally reached a settlement at a mutually agreed upon figure and paid the debt in full. PRA subsequently sent us a XXXX form claiming that we had tax liability of nearly {$27000.00} in written-off ( or forgiven ) debt. It is illegal for PRA to claim a write-off for an account for which the original creditor has already taken a write-off for, especially since they are a third party who never laid out any funds and the amount in question was already written-off by the original creditor. This is double-dipping to the IRS, which is tantamount to tax fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 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: NY

Complaint narrative:
I have been receiving calls and collection statements from Portfolio Recovery Associates. I paid this debt in a settlement in XXXX 2015. I have disputed the debt with the credit bureaus but They continue to call me and to collect on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Portfolio Recovery does not disclose who is calling or why. Only after looking the phone number up online did I discover that they were a collection agency. 

They are also trying to collect on debt that is past its statute of limitations.

Company response to consumer: Closed with non-monetary relief