vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I have been a customer of Union Bank ( California ) for XXXX years. Last week I tried to send a bank wire using money in my account to a bank in XXXX, XXXX XXXX XXXX XXXX XXXX. I was advised that the service would cost {$50.00} which I thought excessive. In correspondence with the person in XXXX to which I am sending the money I learned that he too must pay for receipt of the same funds an additional {$40.00}! Upon further research I find that my bank, Union Bank is wholly owned by his bank in XXXX, Bank XXXX XXXX XXXX! So the very same corporate entity is collecting from both ends, a total of {$90.00}! 
In itself this is outrageous but in light of all the political hoopla about Pacific Trade Agreements being good for business, the " good for business '' must mean the good for the corporate, not the individual!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
Due to circumstances beyond my control, I filed for chapter XXXX bankruptcy on XX/XX/XXXX. 
On XX/XX/XXXX we met with the trustee, I was told by the chapter XXXX trustee XXXX XXXX that we need to have a loan modification. 

In XX/XX/XXXX we filed documents for a loan mod. It was never reviewed because my attorney, XXXX XXXX XXXX. failed to send a document to the bank, giving permission to negotiate a loan mod. 

My home was scheduled for a sheriff sale on XX/XX/XXXX, When I called the bank, I was informed that I could not file because of the 37 day window. 

I went to court on XX/XX/XXXX, I filed a motion for a stay, I was granted a stay until XX/XX/XXXX. 
Court document is included in my package. 

I then filed a new loan modification packet on XX/XX/XXXX. 

I received a letter from the bank stating that additional documents were needed, I got the documents and uploaded to the bank on XXXX XXXX. 

On XX/XX/XXXX I contacted the bank to follow up, at this time I was advised that there was more documentation needed, however the 37 day cut off was XX/XX/XXXX. Yet I was advised on XX/XX/XXXX. 

As of this point, Caliber Home Loans will not review a loan modification because of the cutoff. 
I have been in constant contact with Caliber Home Loans, I have provided all the documents they required, they were sent in a very timely manner, yet now the 37 day cutoff is going to prevent a loan modification and they are going to proceed with the foreclosure and sheriff sale on XX/XX/XXXX. 

This is extremely unfair, I have done all I could on my end. I believe they intentionally stalled the process, so they could foreclose on my home. 

I have all the documents sent to Caliber Home Loans, it is in my opinion that Caliber Home Loans committed fraud upon me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I submitted a debt validation request to XXXX XXXX XXXX on XX/XX/2016 and when I tried to verify with a representative, XXXX, about the company receiving my request he told me that XXXX XXXX XXXX refuses to comply with the debt validation unless I give them permission to contact me by phone to discuss my account and continue attempts to collect the debt before proving this debt is mine. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Comerica
State: NY

Complaint narrative:
I recieve XXXX payments on the " direct express " debit card from " COMERICA BANK '' this morning I attemped to pay my monthly bills as usual only to find that {$800.00} was stolen from my checking account. I called customer service and the bottom line from them was, we will send you documents in the mail in XXXX business days to fill out and return. Then they will begin an investigation and in XXXX days they will decide whether to restore funds or not. so, im XXXX, I have no children and no savings and no rent or medical premium or food. can you please help? besides calling landlord and others i owe to ask them for more time due to stolen funds, what can i do or where can you refer me to at least pay my medical premium

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I have disputed this debt with XXXX and XXXX.XXXX did remove the debt but now it is showing back on my report. I have asked this company to provide me with proof that this is my loan. I had a account years ago with XXXX that had to be closed because someone I trusted were getting loans in my name.XXXX only provides me with bills. No copies of my id, no documents that I signed nothing I want this removed off of m credit report. I am prepared to get a attorney to help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I put in several request for Documents used in my Claim with MUFG Union Bank, all have not been honored, I 've also been called a " XXXX '' on the phone by Office of The President Officer XXXX XXXX. Under Regulation E guidelines, The Consumer is entitled to all Documents used or relied upon in The Investigation, nowhere in The Regulation does it say unless the Documents are considered internal, it actually uses the word ANY, meaning ALL.

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 2016-07-20 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 fifth complaint against CALIBER HOME LOANS, INC., that has been submitted with CONSUMER FINANCIAL PROTECTION BUREAU ( hereinafter " CFPB '' ) from XXXX XXXX, XXXX until XXXX XXXX, XXXX. The other XXXX CFPB complaints that have already been submitted to CFPB in the last twenty ( 20 ) days are XXXX, XXXX, XXXX, and XXXX. These XXXX ( XXXX ) prior complaints against CALIBER HOME LOANS, INC., has been and continues to be about the same subject matter. 
XXXX XXXX XXXX passed away on or about XXXX XXXX, XXXX. There was a BARGAIN & SALE DEED filed and recorded with the XXXX XXXX RECORDS & LICENSES OFFICE as XXXX or XXXX, which the rights of survivorship went to XXXX XXXX XXXX by operation of law because of the BARGAIN AND SALE DEED. XXXX XXXX XXXX got married since then and now goes by XXXX XXXX XXXX XXXX XXXX. 
CALIBER HOME LOANS, INC. then decides to mail a " Notice of Servicing Transfer '' dated XXXX XXXX, XXXX. Immediately after that XXXX XXXX XXXX XXXX XXXX faxes CALIBER HOME LOANS, INC., a " General Power of Attorney '' that instructs clearly to CALIBER HOME LOANS, INC., where to send any and all correspondences, XXXX mail, XXXX, regarding this matter to XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. An " Affidavit of Survivorship '' that includes a Certified Copy of XXXX XXXX XXXX 'S DEATH CERTIFICATE as Exhibit " A '' was also faxed and sent to CALIBER HOME LOANS , INC . 
CALIBER HOME LOANS, INC., sent an acknowledgment letters about making the proper adjustments and changes dated XXXX XXXX, XXXX, and XXXX XXXX, XXXX. 
After informing and warning CALIBER HOME LOANS, INC., about FAIR DEBT COLLECTION PRACTICES ACT violations by THEM continuing to harass and XXXX the people who are at XXXX XXXX XXXX XXXX, XXXX, Washington, XXXX mailing address, CALIBER HOME LOANS, INC. mails a " Mortgage Statement '' dated XXXX XXXX, XXXX, after being properly informed and notified on numerous occasions to mail and ship everything only to XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX!!! 
CALIBER HOME LOANS, INC., has also been warned on numerous occasions that the property is not under XXXX XXXX XXXX, nor has it ever transferred to THE ESTATE OF XXXX XXXX XXXX because of the " Rights of Survivorship '' that XXXX XXXX XXXX XXXX received automatically by operation of law, with the evidence of the BARGAIN AND SALE DEED, XXXX XXXX XXXX 'S DEATH CERTIFICATE, and the AFFIDAVIT OF SURVIVORSHIP. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 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: TN

Complaint narrative:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Thomas Agency, Inc.
State: WA

Complaint narrative:
Back in XXXX I moved from XXXX to XXXX. Before the move, I had went to USPS to place a forwarding address to send all mail to my new XXXX address. Well apparently, XXXX bills that I owed never got sent to the XXXX address as it should have. Anyhow, as you can imagine, during the moving process, settling into a new place/home, finding a new job kind of taken my attention away of the XXXX bills I knew I had to pay for when the bill came in the mail. 

About 5 months had passed and I believe a lady in XXXX XXXX called me from The Thomas Agency saying I have some bills to pay on and can do so over the phone right now. I immediately said what bills and explained I have n't received any bills from XXXX since being here in XXXX for 5 months. I told her I wanted those to be sent to me asap so I can review them myself to make sure I actually still owe the correct amounts before making any payments. I also only make payments with a bills statement. This lady was going to go ahead and wanted me to pay on the bills over the phone without even explaining to me what each bill was for. I told her I refuse to pay on anything until I see the bills and the lady hung up on me unprofessionally. I never heard from anybody from the Thomas Agency nor received any of the bills in the mail since. 

I received a new credit card some time back XXXX of XXXX so that led to a credit score report generated and that is when I saw the XXXX bills from the Thomas Agency. I went on their website to contact them but found out I could pay on the bills on their website which I would have done back in XXXX if the option was ever given to me then. Anyhow, so I paid off XXXX of XXXX bills then paid off the last bill on the following next pay check. All payments were made by Auto-Withdrawals from my XXXX account. 

Recently, back on XXXX XXXX, XXXX I purchased a new car lease and that generated another credit score report. I went onto my XXXX account to generate a free credit report for myself and that is when I saw XXXX bill from the list from The Thomas Agency for {$130.00} listed as STATUS : Unknown when it should be STATUS : PAID. I sent them my first email on XXXX/XXXX/XXXX to get a status on this but I have not heard back from anyone there. I sent a follow up Email asking for a response again but added if I did n't hear back from them soon after 2-3 days that I would escalate this issue myself and here we are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
The statements are intentionally confusing and do not detail differences in payments due for purchases vs. balance transfers. They then charges interest on the purchases since the min payment ( not clear ) on the 0 % balance was not met. This is intentially misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-05 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: TX

Complaint narrative:
Back in 2012 I live in XXXX XXXX XXXX and I was evicted and they tried to sue me for XXXX and we went to court and the judge awarded them XXXX and told them that are all I owe them. I have tried to pay them this amount and they refuse the payment numerous occasions. They went as far as to tell me that they do n't care what the judge said they want the higher amount. The funny the company Resident Collect says they represent XXXX XXXX and I talked to XXXX and they told me they sold the debt to them and told them about the court case. In the process of dealing with them the woman has been rude yelling and went as to tell me to shut up and hang up in my face at one point. I eventually had to hire a company to stop the harassment and to deal with them and the company said that were met with the same rude behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Prospect Mortgage, LLC
State: FL

Complaint narrative:
Prospect Mortgage, XXXX, SC XXXXXXXXis placing a mortgage on XXXX, SC declaring " there is no litigation '' related to the property, when indeed litigation has initiated with : XXXX, South Carolina, XXXX XXXX ( XXXX ) XXXXXXXXThis attorney is a class action firm and their last similar but smaller litigation for the same type of " structural defects '' was {$200.00} XXXX. 
Prospect mortgage hopes to place this mortgage denying that any litigation exists, " before the litigation is registered in the land records ''. 
My complaint is this is UNETHICAL at best and perhaps worse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: AZ

Complaint narrative:
There have been several major problems with Caliber Mortgage, as I have complained about their failures 2 times -- -failure to post payments ( signif. amts ... {>= $1,000,000} since XX/XX/XXXX ), failure to update my account accurately -- -in turn, failures to report accurate info to XXXX Credit Bureau XXXX My credit score is suffering, due to inaccurate reporting info. Also, they say I owe for XX/XX/XXXX -- -not true. And they 're threatening foreclosure action, even tho I 'm paid up on mortgate..thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
I am very fustrating with Caliber home loans they are not given me the most important imformations about my property i am living in i have a child my wife we are going true a lot please help me i do n't have place to go i need time i meed they dend me the papers for modification they say they sent to me but i have n't resive nothing please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from RESIDENTCOLLECT INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RESIDENTCOLLECT INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CURO Intermediate Holdings
State: KS

Complaint narrative:
I am a single mom with XXXX kids. My car was repossessed unexpectedly in XXXX 2016, I purchased another vehicle ; plus the cost of paying full coverage insurance made my living expenses difficult to pay for my other bills. I experienced trouble paying my rent in XXXX, XXXX, XXXX, and XXXX of 2016 which is why I went to Speedy Cash. 
At the time I applied for an LOC for {$600.00}. A young lady that works there told me about a title loan. I took it out in addition to pay for my car note and rent because I was behind on both at the time. The lady told me the interest rate would be cheaper but that is not true. I am paying about 300 % in interest and fees this is hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I took out a loan from a XXXX XXXX Speedy Cash store XX/XX/XXXX. I had been taking out payday loans at a different store and could not afford the payments. I figured that taking out the loan at Speedy Cash would help me pay off the other loan, but that was not the case. I borrowed {$250.00} and paid {$45.00} in fees. When I had to pay 2 weeks later, I was still in a hole and could not pay off the whole loan, so I renewed. 

I fell behind on my electric bill and had to continue taking out the loan. Eventually I was behind on my rent and event my gas bill because I continued to pay the fees to renew the loan. I felt trapped because I felt like I kept falling behind and could not stop renewing the loan. At one point Speedy Cash offered me a car title loan and it was tempting, but I was already being hurt by the loans I had and could n't take a loan that would hurt me even more. 

XX/XX/XXXX I XXXX and had to go on XXXX after not working for 3 months. I was more behind than ever and I had to stop paying the loans. I did n't know how to stop because Speedy Cash had access to my bank account. In a desperate attempt to stop with these loans, I visited my bank and took out all my money before closing down my bank account. I knew it was going to affect my credit, but I had no other way out. 

A bit after that I began receiving calls and letters asking me to pay back what I owed. At XXXX point I even received a letter telling my I qualified for another loan, which made no sense since they were actively trying to get me to pay my previous loan. XX/XX/XXXX I owed Speedy Cash {$310.00}. Now, almost 2 years later, I continue to receive calls and letters asking for their money. The last I heard from Speedy Cash was last month, and I need help to get them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Fitzgerald Goldman & Associates, Inc.
State: TX

Complaint narrative:
The company Fitzgerald, Goldman & Associates XXXX XXXX XXXX contacted me via an automated call today at my place of employment after being told not to call me at work. I called them back LIVID and told them once again not to call me at work. She said that they would continue to call until I made arrangements to pay the debt. I asked who the original lender was, she said that it was a payday loan but would n't give me the name of the company. I told her that they needed to contact me via mail with documentation. I told her that I had never received any correspondence. She said that had sent correspondence. She is a LIAR. I have NEVER gotten any correspondence.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
I received paperwork stating that a lawsuit is going to be filed against me for a debt that I do owe on. The cover letter from the company states I need to contact them to resolve the situation more amicably. I did send an email with the draft of a settlement letter, and I will follow up by sending the letter via certified mail. I want to pay the debt ; this is one of the last ones I need to resolve. This letter is dated a few weeks after I received the first debt validation letter. 

I believe the company is using this as an intimidation tactic to collect money for the creditors it 's representing. I am willing to work with the company to resolve the debt, but I do feel that in this instance they 're in violation of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 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: TN

Complaint narrative:
I have a debt that belonged to my Ex Wife that she was able to acquire while I was XXXX. She used my information to acquire a XXXX XXXX acct with a General Power of Attorney and got XXXX. Shorty after returning from XXXX she divorced me. In our divorce decree she is entitled to pay the Debt. However, After years of it being on my credit report I decided to settle the account with Portfolio Recovery. I was promised that they would send me proof that the debt is paid and it has been more than 3 months and I have called XXXX times and they still will not do what they promised. They told my I would receive an email I did n't receive it. I was told I would get a fax, I did n't receive it. It was supposed to have been sent out on XXXX separate occasions, which I never received. They ruthlessly called me at my job and also called my cell phone after asking them not to. I am extremely emotional right now and need help. Please help me get this straight that no one else has to be put through this. All I want is to not have to think about the fact that I had to pay a debt for my ex wife to be able to feel better about her self. My life however has been torn apart for 6 years. I want my life back. I want this to stop. Portfolio had no issue taking the 1000 dollars out of my account but refuse to report the proper information to the credit agencies. Please help me. 

XXXX XXXX XXXX ( XXXX ) XXXXXXXXXXXX

Company response to consumer: Closed with explanation