vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
XXXX I got this automatic message from the number above. She said they were from the Consumer Protection Association. They left a number to call and a reference #. 
I XXXX them and called them at their billing number. There was no answer. 
I checked my credit report. Harris and Harris Ltd. Checked my credit yesterday, just the day when the weird phone calls started happening. Why are they calling me when they do n't even say what I owe? I do n't have any outstanding payments that I know of. 
Please check into Harris and Harris ltd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Aldridge Pite, LLP
State: CA

Complaint narrative:
Mortgage Servicer has not accounted for payments received and disbursed from my mortgage escrow account properly since XXXX XXXX through XXXX XXXX and is requesting a foreclosure via Aldridge Pite LLP when it appears that approx. {$10000.00} of my funds paid and received as acknowledged by the Mortgage Servicer are unaccounted for in the escrow account. I want to know where the approx. {$10000.00} went. I do n't believe Aldridge and Pite LLP has been provided a true accounting of my mortgage balance or escrow account balance and are proceeding with a foreclosure based upon cooked books created by the mortgage servicer..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
LETTER WRITTEN TO AARGON AGENCY INC., I was previously placed in your office by XXXX XXXX. I had set up a payment plan XX/XX/XXXX, for bi-weekly payments. I called on XXXX/XXXX/XXXX at XXXX XXXX PST to have the payment for this date not withdrawn. The representative assured me that this would not be withdrawn. On XXXX/XXXX/XXXX, the payment was withdrawn. I then called again and spoke with XXXX, to have this refunded as well as all my payments. I never received a call so I assumed my refund was in place. I advised XXXX that this was an FDCPA violation if fraud on my account. Firstly, the representative lied to me ; secondly your company fraudulently withdrew the money still. Lastly, on XXXX/XXXX/XXXX I decided to see if the refund had been initiated. When I check my account an additional payment was withdrawn of {$50.00}. I spoke to XXXX again, and have been awaiting her phone call. These practices are unprofessional and I will be taking further action legally. One three different occasions FDCPA violations have taken place. I look forward to having your council contact me directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: AMA Advisors, LLC.
State: VA

Complaint narrative:
I was trtrying to see my loan on line and was told that I am blocked. From seeing it. Because I am delinquent on my loan and that it will only let me request lost Mtigation information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I was not made aware of this debt/bill by the medical provider or the collection agency it was assigned to. I discovered this {$25.00} debt in collections when I checked my credit report. 

I have XXXX coverage through my medical insurance companies, as does my wife. My wife was also found to have XXXX outstanding bills that were found on her credit report that had gone to collections as well. The bills were created by the same hospital that charged me the {$25.00} bill, which was sent to collections. My wife and I had no idea she had any outstanding bills from this hospital until we checked her credit report at the same time we checked mine. She did not receive any bills or paper work from the hospital or collection companies either. 

The collection agencies removed all of my wife 's bills from her collection reports, but has refused to work with me on this issue. I have asked the medical provider to work with me on removing this from my credit report, because I never received any notification of this bill, but the hospital billing department has refused to work with me to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
Paypal started a credit card in my name without my express permission. This was after I used Paypal to make a purchase in 2015 for a one-time expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
My credit card bill is typically due on the XX/XX/XXXX of the month. I paid my XXXX credit card bill for XX/XX/XXXX early ( in XX/XX/XXXX, after a XX/XX/XXXX bill was paid ). I was told that payment did not count towards my XX/XX/XXXX bill. I then was charged a late fee in XX/XX/XXXX. XXXX would not work with me at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XX/XX/2016, I used my XXXX card to purchase a dress for {$29.00}. At that time my card had a XXXX balance and my available credit was {$300.00}. About a week later, I returned the merchandise to the store. Knowing that I was back to XXXX balance again I saved my card and I did not use it. XX/XX/2016 I get a bill for late fees that have accumulated since then. I have called the credit card company 6 times and I am not satisfied with their answer. They want me to pay a balance of {$200.00} dollars just late fees. I have been unable to use the card since XX/XX/2016 and I requested them to close the account. The amount was " closed '' but the late fees continue to accumulate. I have made one payment to solve this debt last week and finally they offered to open a dispute today and they tell me that it is going to take 60 days for them to respond to the dispute. Meanwhile, the late fees are going to continue to accumulate. I have asked to speak with a supervisor and a supervisor is apparently never available. The credit card also claims that the balance is due to the assure fees of XXXX cents a month which are creating a fake balance and therefore causing late fees to accumulate. My credit is being affected and I have to pay XXXX dollars that I did not use or benefit from

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-23 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:
There is an account listed through this company, I have disputed several times. I do not feel this is owed and no verification to support this claim.

Company response to consumer: Closed
Consumer complaint received 2016-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
Our mortgage was set up on automatic payment. The mortgage company made a mistake on our XX/XX/2016 automatic withdrawal. We received a notice dated XX/XX/2016 that our account was going into pre-foreclosure. We called the moment we received the notice and talked with a mortgage representative and cleared up the issue. We mad a payment over the phone to ensure the account was in good standing. They CONFIRMED on a recorded phone conversation that the issue would NOT be reported to the credit bureau. I learned today that they did in fact report it. I have a payment confirmation # and have requested that they reverse the reporting, yet they said it would take 10 days for their research to be performed. I see not reason or incentive for the mortgage company to admit that they made a mistake as it would be another black mark on their record. We have XXXX mortgages with this company have a 100 % perfect payment history other than this mistake on their end. Any support from CFPB would be greatly appreciated. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
My mortgage lender Caliber Home Loans sent me a letter stating that I need to contact them to opt out of communications that involve them sharing my private info with their affiliates. Their letter was confusing and stated that I could send an email to XXXXXXXXXXXX to opt out. I sent an email with that request but it bounced back with the following errorDelivery has failed to these recipients or groups : XXXXXXXXXXXX ( XXXXXXXXXXXX ) Your message ca n't be delivered because delivery to this address is restricted. 
For more information about this issue see DSN code XXXX in XXXX. 


They appear to be making it very hard to opt out for a consumer. There is no link on their website to do this via a profile setting ; you must send an email to an address that does n't accept emails. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Autovest, L.L.C.
State: OH

Complaint narrative:
Took out an auto loan/truck repossessed in 2001/never heard anything else from these people/have applied for credit/had nothing ..literally nothing on my credit report/then about maybe a month..out of no where i received something where I owed them with all of this interest out of no where ... no other paperwork or anything/I recently had XXXX ... so was n't up to par and I guess I did n't respond in time then a couple weeks later a judgment was made ... we are talking XXXX YEARS LATER..there has to be statue of limitations here that have been violated ... I need help desperately ... and do n't know where to turn

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Total Rewards Visa Card Keep Applying My Payments Late and It Takes 3 to 4 Weeks To Post My Payment So They Can To Get Late Charges

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NE

Complaint narrative:
My husband qualified for homestead exemption, and we have tried since XXXX to get Caliber home loans to readjust our mortgage payment. Nothing has happened. Trying to reach these people is horrible. You have to know ahead of time which division you need before calling. Their phone system is confusing and getting to a real person is time consuming. We have spent hours trying to talk to someone. We are paying {$380.00} more than required. Also, my husband likes to send extra money but they wo n't apply it to the mortgage unless it is a full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
My Loan Servicer is Caliber Home Loans. I wrote to them about understanding my options regarding a loan modification. I sent my question to them at the end of XXXX. My spouse heard from them on XXXX XXXX, 2015. Caliber staff refused to discuss modification options. They said once they have updated financial information, they alone will decide what options, if any, we have. Caliber has been difficult and rude. Under the present terms of our loan, we are supposed to assume a 20 year amortization. How can we understand our rights? I am XXXX and trying to assist my spouse in this matter. Please respond to XXXX of us at : XXXXXXXXXXXX XXXX XXXX XXXX ) and XXXXXXXXXXXX ( XXXX XXXX ). The home telephone number in Virginia is XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
I purchased a home a little over a year ago for XXXX and have paid it down to {$41000.00} balance during that time. I requested to have my PMI dropped and i received a letter stating that my current LTV is XXXX percent. And it outlines a series of costly measures that i need to take including an appraisal which costs around XXXX done exclusively by XXXX of their service providers. I got an appraisal to purchase the home just a year ago that surely should suffice. I spoke to someone at Caliber on XXXX/XXXX/17 and although she was pleasant, the only thing she did was quote policy. I told her that the federal guidelines state that at XXXX percent LTV that the PMI must be dropped. I know that they need to protect their investments but mine is not an everyday situation and it think that common sense should at least sometimes outweigh policy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: AL

Complaint narrative:
I financed my home with a local lender thinking support the community and of course the paper has been " sold '' at least XXXX. My mortgage now rests with Caliber Home Loans, XXXX. XXXX XXXX, XXXX, OH XXXX. I received an escrow analysis dated XXXX/XXXX/XX/XX/2015 which informed me of a shortage of {$2000.00} on XXXX/XXXX/XX/XX/2015 and my payments will increase from {$770.00}, which I have paid on time for the last XXXX months, to {$1000.00}. This is due to XXXX increase in premiums to {$3000.00}. I 've canceled XXXX on XXXX/XXXX/XX/XX/2015, expiration is XXXX/XXXX/XX/XX/2015, and changed insurance companies to XXXX starting XXXX/XXXX/XX/XX/2015. The premium is {$2000.00}. The principal and interest is {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Harley Davidson Financial Services Inc
State: FL

Complaint narrative:
( RE : Case Number XXXX, dated XX/XX/2016 ) Have attempted several times to access my account with the company in referenced case number. The error notice I get is " Your account is temporarily is unavailable. Please contact HDFS at extension X-XXX-XXXX. This is the same error notice I have received before and called. However, the recording stated the extensions had been changed to XXXX digits and to remain on the line. I was told there was a legal block on my account and after placing me on hold for a period of time, her response was she spoke with someone there but they were unable to speak to me or remove the block and stated she was having her manager speak to me. 

I 'm a pain, I admit it, but my identity data was stolen recently and I am trying to verify all current accounts ad advise creditors of recent events.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XXXX XXXX, 2016 I ordered -item number XXXX smart phone from XXXX. Paid {$680.00}. 
I received it on XXXX XXXX, 2016 at XXXX. 
Delivered by XXXX On XXXX XXXX, 2016 ( Sunday ) I was charging my phone as usual ; I tried to turn the phone on and it would not activate. The phone felt hot to the touch, so I unplugged it. 
I then on XXXX called Home Shopping Network ( HSN ) to see what could be done ; The first customer representative told me they would replace it or work something out since I had not had the phone long. She said to call XXXX to see if their warranty would cover me getting my phone fixed or replaced and if they would not take care of The problem come back to Home Shopping Network. 
XXXX XXXX, 2016 called HSN and Customer Service rep said she would check- come back to the Phone and said they could not help me as I was past their warranty date I asked to speak to the Supervisor, XXXX and she said the same thing past my time with HSN . 
I went to the XXXX XXXX XXXX store to see if they could fix it and they could not Went to XXXX rep at the XXXX XXXX store and he could do nothing. 
As of XXXX XXXX, 2016, I still have no phone and I am out of {$680.00}. 
I called XXXX and was pretty much given the run around ; Sent the phone to them and Still nothing. Their Phone number is XXXX XXXX Texas . 
I have purchase a lot of product from HSN ( and for them not to try to help a long time customer is terrible, if can not get some kind of refund, or credit my HSN credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-15 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: CO

Complaint narrative:
In XXXX, my husband and I started a debt reduction program to regain control of our finances. Around XXXX XXXX, XXXX our XXXX XXXX credit card debt, in the amount of {$11000.00} was purchased by Portfolio Recovery Associates and placed with an outside collection office, representing themselves as an attorneys office and threatening legal action. This attorney was XXXX XXXX XXXX located in XXXX, Texas. The rep handling our account was XXXX XXXX. In XXXX XXXX, we were able to settle with this office for the reduced amount of {$4600.00}. We started to receive threatening calls and mail from Portfolio Recovery Associates in XXXX. We wrote to the credit bureaus disputing this collection and reports to our credit. We also attempted to speak with Portfolio Recovery Associates without luck. The " attorney '' who originally handled the collection has since filed for bankruptcy after some pretty shady practices and I ca n't find an active number for him. Portfolio Recovery Associates is attempting to collect the remaining balance of {$7400.00}, even though a settlement was reached and paid. We have no idea what to do at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Commenity Bank called on a number that was not identifiable, shown on my phone as " no caller ID '' when I picked up the first and second time they hung up after I said hello. Then they repeatedly called me from the number that was not identifiable. When I did pick up later that evening and ask the representative about the calls she was rude and dismissive and said they were allowed to call me multiple times a day. I had just paid this company XXXX days ago, and told the rep when I made that payment that I would call be after the payment cleared to set up more arrangements. The payment cleared my bank this morning!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
XXXX XXXX,2016, i open a credit account with ( comenity-blair.I purchased ( {$65.00} worth of merchandise, which i paid off by installment payments, that were made by sending money orders.They have been paid off, but they are still calling and writing for more payments, They sent incorrect information to a credit bureau.They have gone from the ( {$65.00}, which i paid off, to a new balance, of ( XXXX.I have not made any additional purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I purchased a vehicle through XXXX and paid over {$12000.00} for a vehicle from XX/XX/XXXX-XX/XX/XXXX. XXXX sold the loan to Portfolio Recovery with a {$9000.00} balance attached. Chapter XXXX was filed while account was with XXXX, Portfolio Recovery ( PRA Receivables Management LLC ) did not alert the courts in a proper manner and repossessed my vehicle XX/XX/XXXX. Portfolio Recovery refused to update the account with the proof of payments I made and when they repossessed the vehicle, they took my valuables and have refused to return them to me nor answer the phone. This company along with XXXX has taken my money, valuables, and a car I paid for. The manner in which I have been treated by both companies is unethical and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation