vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: AL

Complaint narrative:
I sent request for information, about XXXX, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 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: Stellar Recovery, Inc.
State: UT

Complaint narrative:
1. XXXX billed at a higher rate than quoted during the sales calls. Month after month telling me it would be fixed, giving me one reference # after another. 2. XXXX 5 year price lock, was a lie. Their bill increased around 45 % in just over a year. 3. ( Please see Arizona Attorney General v XXXX XX/XX/2016 ). Some of the XXXX the Arizona XXXX believes violated the Arizona Consumer Fraud Act, happened to me from XXXX in Arizona. After two other collection agencies backed off from this collection, Stellar Recovery Inc . Proceeded to damage my spotless credit. It was very clear with the information I gave them, this was not a good bill. they should have declined, like the other XXXX agencies did. They damaged my credit, causing XXXX company not to do business with 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 2016-01-09 00:00:00
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Immediate Credit Recovery
State: AZ

Complaint narrative:
I have been paying in my student loans for years and my taxes have been taken ..I started to question who 's loan this is since I have not been in college since 1989 and I wanted a pay history of all the payments that have been made because I could n't possibly still owe almost $ XXXX dollors still so when I was dealing with them dept of edu and I started questioning the debt all of a sudden I get notice I am with a collection agency and now I cant deal directly with the dept of edu any longer I have to deal with the collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Stellar Recovery, Inc.
State: AZ

Complaint narrative:
Call themselves Steller Recovery saaid call them back at XXXX. I have to unpaid debts. This is a robo call and they call once or twicw a day.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Messerli & Kramer P.A.
State: IL

Complaint narrative:
A company by the name of Messerli and Kramer is sending me letters asking for payment on a debt I know I do not owe. They claim I owe XXXX XXXX. I had an account from XXXX XXXX back on 2006, which is currently reflected on my credit report as paid. If this is company is demanding payment for an account from 2006, they could be under violation of the FDCPA because the account is older that the statue of limitations in my state. I want this company to stop the harassment of their collection tactics, since they have not send me anything regarding the validation of this alleged debt. They are demanding payment from XXXX XXXX, but I am not XXXX XXXX, I am XXXX XXXX. All I get from this people is a letter demanding payment for this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
Amercican Collections Inc has repeatedly been harassing and intimidating when I have interacted on the phone with them. The manager whom I was transferred to after speaking with XXXX, threatened to call the doctor 's office I owe a debt to and tell the doctor 's office that I am not cooperating with the terms of the payment agreement. XX/XX/XXXX, I was told as long as I pay the debt prior to the last day of the month, my account will not change. I sent a partial payment using my bill pay XX/XX/XXXX and was waiting until I saw the payment post to my bank account to pay the difference. On the day the company received the partial payment, on XX/XX/XXXX, they called me and were telling me contradicting information regarding whether or not me giving them money to pay my debt was a problem. I started this payment agreement XX/XX/XXXX and paid XX/XX/XXXX. XX/XX/XXXX is not even over and they are threatening that they will have the doctor 's office collect the original amount. When they called on XX/XX/XXXX, I had already been planning on calling them to use my credit card after I saw the check post to my account, as I had done the previous month. Had they called me simply to ask me to pay the difference for XX/XX/XXXX instead of trying to berate me and pressure me, I would have paid right then. Instead they behaved discourteously. They kept using the word, " generous '' to describe the benevolence of the doctor 's office and I strongly feel the language they were using was meant to belittle me and to intimidate me and to make me feel guilt and shame, despite that I am paying this debt. They are behaving very badly while I am paying this debt. I do not deserve to be harassed and threatened because I am paying a debt. They have lied and misrepresented the information regarding the payment of debts. Also, my husband called ACEI after I called him at work and I was very distressed. When he called ACEI, he spoke with XXXX, who transferred him to the same manager. She disclosed sensitive personal information regarding the debt. She told him who the debt was from, how much it was and all information regarding the debt. To my knowledge, sharing that information is illegal and against confidentiality practices. They did not have my consent or confirm that he was my husband before sharing my personal information.

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 2016-05-02 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: Stellar Recovery, Inc.
State: CA

Complaint narrative:
I paid the original creditor, XXXX XXXX XXXX, ( which was a fraudulent account opened by my ex-spouse with my information without my permission, as he is an employee of XXXX XXXX XXXX ), and then a month later a collection for that same bill showed up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
Getting continues robocalls to my home phone number from XXXX debt collection asking me to call XXXX or XXXX. When I call these numbers they do n't provide any information and they keep on asking me my personal information. They do n't provide anything in writing and I do n't owe any dept.

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 2015-05-08 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
In XXXX of this year, Messerli and Kramer, froze my savings account and on XXXX XXXX, 2015 they had the bank send them a check for {$320.00} and then they released my account. They did this even though they were told that I was on XXXX Assistance in Minnesota. According to Minnesota state law, they were not allowed to garnish my account for at least 6 months after I am off of assistance. I would like my money back and have them charged with whatever crime they have committed against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: MD

Complaint narrative:
I have continuously requested that the person they are trying to locate is not at my home phone number. I have no obligation, and I explain this. They promise to stop calling my phone number, but begin again within a matter of days. They are not updating their database.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 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: Stellar Recovery, Inc.
State: MT

Complaint narrative:
I do not how I have a debt with XXXX when I still and always had a continuous account with XXXX I have disputed this account and no one seems to get it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
They call me twice a day everyday of the week. I have told them do not call me and send letters to me in postal mail. They have demanded me to give them a debit card info. And or credit card over phone to pay a payment. I told them no I will not give any info. Over phone. They refuse to send me anything in mail. They are harassing me everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CURO Intermediate Holdings
State: NC

Complaint narrative:
I have not applied or received any oaday loans but one is listed on credit report. Called the copany and confirmed not my accout but collection agency still has not removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
this is not my loan I never applied for this loan this was not done in person and my ID and check was stolen around the time this loan was taken out and all the money stolen out of my bank account even my regular pay check money

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pendrick Capital Partners Holding, LLC
State: FL

Complaint narrative:
This company describes them self as " Affiliated Assests Solutions '', it is a debt collector company. Many years ago they have been calling my cell phone. They continue to call to my personal cell phone asking for a person named XXXX. I told them to stop bother me. They stopped for time to time and then they started again to calling me twice almost every week. I called them to stop but it did n't work I told them that there is nobody under this name with this phone number. I have this number more than 6 years. They don listen. When I am working, resting, eating any time any hour they are calling. Please I need somebody stop this people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pendrick Capital Partners Holding, LLC
State: WI

Complaint narrative:
Debt reported to collections, no attempt to collect a debt. Not enough information to verify where the debt is from and how to repay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I took loan out for {$350.00} I have paid about {$900.00} in interest and fees and they have debit my account {$460.00} to pay off loan which I have stopped payment. I did not authorize this payment. I was not informed when loan was taken out that payments I was making were only for interest and did not go towards loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
I have a mortgage that was sold to Caliber Home Loans last fall. I pay into an escrow account to cover property taxes and insurance. In XXXX XXXX I sent Caliber a copy of a property tax bill that I received from XXXX XXXX, VA, as instructed by Caliber. In XXXX of XXXX I received a delinquent notice from XXXX XXXX. I called the Tax Department at Caliber, giving them the pertinent information and was promised that the bill would be paid. On XXXX XXXX I received a second delinquent notice from XXXX XXXX, with penalties added to the amount owed. I called Caliber on XXXX XXXX and again was promised that the bill would be paid, but remain skeptical. As of today, I have an escrow account balance of {$3500.00} and the tax bill is for {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc.
State: ME

Complaint narrative:
West Asset Management sent me a repayment plan request, which I completed and returned to the listed address. I agreed to make monthly payments of {$180.00}. WAM claims they did n't receive the documentation. I know for certain the documents were mailed to them. In the meantime, they have called repeatedly threatening me, saying they will see that my credit is destroyed and I will never have anything. They call at all hours of the day and night and they 've called my employer. Additionally, they 've capitalized the grants I received in the total debt amount. I 've discovered a disbursement error by the University XXXX XXXX Maine that has not yet been rectified. I want to pay my student loans in an amount that is manageable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 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: TX

Complaint narrative:
I have contacted Resident Collect and informed them the amount they are reporting is not correct if any balance is owed. I informed Resident Collect that I spoke with Leasing Agent at XXXX and they were not able to verify any balance owed as my name did not show in their database. I also informed Resident Collect that the documents they have sent me are fabricated. In a previous request to Resident Collect requesting they verify the balance and update my credit report. I also informed Resident Collect of payments I made directly to the creditor and thst my deposit was not showong on the paperwork I recrived. Resident Collect then sends me documents that show the deposit amount on lease was {$10.00} with initials that do not match the initials at bottom of page and they also included a document that indicated a deposit in amount of {$510.00} was the deposit amount received from me. On XX/XX/2016 I received the same documents from Resident Collect this time the the amount of deposit on lease shows nothing the initials were gone andthere was nothing listed where the {$10.00} was previous also the line is removed. On the same document previously sent does not show the security deposit but current amount owed but that is all no description. I informed Resident Collect of the falsified documents received but they still did not verify or correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: OpenRoad Lending
State: AZ

Complaint narrative:
I received a solicitation from open road lending XXXX/XXXX/2016 for refinance applied for a refinance and was so called approved for refinance and interest rate@13.64 percent XXXX a month the company had me fax over all documents needed for funding to submit to the so called investor which is XXXX. Spoke to XXXX at XXXX after this so called approval and went through a so called phone interview confirming all of my employment resident info etc .... interest rate 1st payment date recorded affirmation agreeing to the terms of the new loan. He advised it would take a few days to complete the refinance and if there were any additional questions he would contact me. Received a letter in the mail from XXXX advising I did n't qualify for a refinance at this time after they verified my credit. 1. I received a so called approval from open road lending who failed to also disclose this information and 2. I did not give permission for XXXX to pull my credit report. I had my credit pulled and was told the approval expired 30-days from XXXX/XXXX/2016 which was about XXXX/XXXX/2016 this company has completely mislead me as a consumer and I want this resolved and want to know why this was not disclosed and even after applying for the refinance it 's like it was a fake approval. I also will be consulting counsel on this one this is not okay.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX letter : XXXX XXXX has ruined my credit score, from XXXX to XXXX. I closed both my XXXX account and XXXX account on the XXXX of XXXX. I ca n't even access my accout but I got a email this morning saying I owed XXXX on my XXXX account. Immediately paid it today but I had no notice, no account and they made a charge on XXXX XXXX, 5 days after my accout was closed with XXXX balance. In fact my rewards was XXXX or something which I did n't care about. They started late XXXX with some " Hard Inquiry " junk then sent me a XXXX credit limit XXXX card I could never activate. they wanted drivers license copies, SSA copy, bank statement copy, all of which I sent them and they still wanted more info, so I do finally had enough and told them to close both accounts. All my other account are paid up and on time. XXXX XXXX is ruining my credit score. if it does n't stop, I will take legal action because this is how big business ruins people 's lives. 
Sincerely, XXXX XXXX

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 2016-08-11 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC

Complaint narrative:
Toyota motor credit account # XXXX / after the lease was due i turned the car into the dealer and waited 6-7 monthfor s for a final bill never received one until it went into collection and they wanted XXXX the inspection report was never taken at the time I delivered it to the dealer. 
the condition of the car was excellent other than the mileage being over and I was waiting for the bill for the mileage overage only.but {$1900.00} I said no. 
its been 3 years and a few collection agents .I need to settle it and have it re moved from my credit history.CAN YOU HELP?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Sometimes XXXX calls a day. Starting at XXXX till XXXX. They got my mother 's phone number and called her repeatedly. Received phone calls before payment was pass due. Amount owed is under XXXX dollars. PayPal representative talked over me and was obviously not listening to a word I said. Set up a settlement was told the first XXXX payments were scheduled then find out only the first XXXX was scheduled after representative told me XXXX were scheduled. PayPal is harassing me for XXXX dollars with a XXXX. Repeated calls to my XXXX XXXX XXXX mother is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I applied for a loan of {$120.00} at the location on XXXX. After a month of deducting charges from my account to pay the interest, I went into overdraft, and each recurring charge for bills, including Speedy Cash, were returned. This continued until XXXX XXXX, when I finally did have money in my account. That day, I was charged {$200.00} by a company called XXXX XXXX. I did n't recognize the company, so I disputed it as fraudulent. It was n't until I contacted Speedy Cash that I found out who XXXX XXXX really is-their affiliates. Furthermore, they refused to refund the money, and XXXX XXXX did not reverse the charge. Then, on XXXX XXXX, I was once again charged the exact same amount ( {$200.00} ) ; this time the charge DID in fact say Speedy Cash. I went back to the location with a copy of my statement to confirm that they had charged me twice, and that I needed a refund. I was helped by a man named XXXX, who emailed my statement to the corporate office in Kansas to have the charges reviewed. Thankfully, the next day, I received a refund. However, I 'm still receiving calls from Speedy Cash, who are now claiming that I still owe them the amount that was refunded, because the charge from XXXX XXXX was returned to my account.

Company response to consumer: Closed with explanation