vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-06 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Management Outsourcing, Inc.
State: NY

Complaint narrative:
Phone calls from this company more than five times a day, everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Aldridge Pite, LLP
State: GA

Complaint narrative:
AldridgePite LLP ( XXXX foreclosure attorney, located in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX ) foreclosed on my house while under bankruptcy protection. Bankruptcy was filed on Friday XX/XX/2016 and house was sold by XXXX XXXX XXXX on Tuesday XX/XX/2016. I have attached the email that my agent that was helping me with a shortsale with wellsfargo sent me stating that they receive a call from XXXX stating that the house was sold on Tuesday XX/XX/XXXX. I called the foreclosure attorney 's office and they told me yes the house was sold to a third party. I ask for the name of the party and the amount it was sold for. They told me it was private information that could n't be released to me. I contacted XXXX and I was told the same as Aldridge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
XXXX XXXX did some work on XXXX XXXX teeth. When that work was completed and paid for. XXXX XXXX was SUPPOSED to remove XXXX and give XXXX.. BUT they did the first treatment over again and did not want to XXXX XXXX 's teeth and give him a XXXX So we went to a different Dentist to get a second opinion.. AND XXXX 's XXXX were beyond saving they were XXXX and causing him a Great deal of pain and had to be removed IMMEDIATELY, or cause other health issues! XXXX was treated that day. We contacted XXXX XXXX and told them what had happened and they would not return our calls or make any contact with us and then sent us to collections for work they did not do. Now they want payment for something they did not do AND XXXX has no more XXXX and only XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hollis Cobb Associates
State: CA

Complaint narrative:
My spouse ordered an item via the internet ( magazine ) but item was returned immediately. We have written and called the company every month since and never have received any type of correspondence from them. They are now referring to Bonded Collection Corporation. ( see attached letter ) and statement from 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 2016-07-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
AmeriSave Mortgage Corporation has acted in bad faith. 
At the beginning of my request for a refinancing, I asked whether AmeriSave would make a loan for a property held in trust. The answer was " yes ''. 

After my submission of approximately XXXX pages of documentation and payment of a {$570.00} fee, AmeriSave refused to close the loan unless I took the loan out of the trust. ( It should be noted that a copy of the trust was submitted very early on in the process. ) AmeriSave gives as a reason for refusal the fact that although the property is now held in trust as indicated in the title, the title lists only me as trustee whereas the trust also has my wife as a trustee. The said they would close the loan only if I took the property out of trust. AmeriSave 's bad faith reasoning is bogus, as can be demonstrated by the following : 1. A major bank refinanced this property several years ago with the exact same documentation and found no problem. The instrument used was the a standard XXXX document. 
2. Based on a suggestion by an attorney, I offered - at my expense - to have the second trustee put on the title. This would have cured the problem cited by AmeriSave, but they still refused to close the loan. 

I should point out that my reasons for not taking the property out of trust are two-fold. First, added expense. Second, mortgage notes prohibit the change of title without lender approval so I could not put the property back into the trust without AmeriSave approval. Based on their past performance, I can not take a chance that they would not permit my putting the property back into the trust. 
Summing up : AmeriSave has acted capriciously and in bad faith. Their condition for closing the loan is not according to early assurances and, furthermore, is unreasonable based on previous history by another lender as well as the refusal to agree to a simple approach suggested by my attorney which, cures the problem they cite.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: CURO Intermediate Holdings
State: DC

Complaint narrative:
I received the attached scam email regarding a payday loan that I never took out.

Company response to consumer: Closed
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
I was sent a letter on Saturday that states that I do not have sufficient insurance on my property and that Caliber Mortgage was obtaining insurance on my behalf. They sent this letter after they increased my monthly mortgage without asking prior questions and without notifying me of any issues. 

I called in today and Caliber Mortgage refused to escalate the call today stating that no one above a supervisor is available and no one will in management will return my calls. XXXX # XXXX refused all escalation requests to anyone above her. She did not have a copy of the letter but kept telling me that XXXX did not get additional insurance on my behalf ; but that is exactly what the letter in front of me says. She did not know that my insurance is covered by the HOA and told me I have to send them all of my HOA documents to prove that. When I stated that they have all of the HOA documents as part of the closing documents and process, she could n't answer as to why they did not know that the insurance was included in the HOA dues. 

She was obviously being coached because she covered the receiver of the phone and I could hear someone whispering behind her and then she told me ... Your HOA has not updated us with your insurance and they were simply sending me a letter requesting help to get new insurance copies. That is not what the letter states at all. They do n't request any documentation from me within the letter ; it is just telling me that they have taken action by securing insurance because I did not have any. 

This is continued examples of Caliber 's constant mis-managing of my account and I 'm sure many others. This and the many other problems I 've had with Caliber show they are incapable of managing mine or any other mortgage. All Caliber needs to do is to email or send a letter to the HOA and a copy of that letter to me requesting an updated Insurance Binder for my town home and one would have already been provided by the HOA management company. The fact that Caliber did not know that my HOA covers my insurance was telling and the fact that Caliber did not reach out to the HOA for it is because they did not identify on the account that the insurance was covered by the HOA. 

I expect all charges to be reversed and my mortgage amount lowered. I want my loan sold to any other lender would be better than Caliber. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CURO Intermediate Holdings
State: NM

Complaint narrative:
During a financial emergency I sought a fast pay day loan online and received XXXX through a XXXX recommended partner called Speedy Cash. Tried to make on time payments and pay the loan off multiple times by online payment and contacting them by phone. The website and the employees on the phone would inform me, every single time, that my card was declining. I called my bank they said there was enough money in my account, everything looked good on their end and that the card should not be declining. I continuously acquired the enormous interest fees even though I was actively trying to make payments. My balance kept rising, and they took payments out of my account at random times but they would only take the minimum amount so I would keep acquiring large interest fees. It was a long struggle to pay them off and to get them to stop taking payments whenever they wanted. I finally gave up and opened a new bank account. This loan will now likely reflect a negative credit record. It seemed very odd to me and I have determined that it might be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I had financial issues and had to stop paying on bills other than necessary bills. I made a few payments toward the loan but seems the principal only decreased by less than XXXX or so. My loan amount was XXXX and now i receive a collection notice for almost XXXX. I made a XXXX payment on XXXX only XXXX went toward the principal leaving my balance XXXX, on XX/XX/XXXX XXXX payment only XXXX went toward the principal balance XXXX and on XX/XX/XXXX made a XXXX payment XXXX toward my principal and balance was XXXX. How is this possible if i have made payments toward my loan? They call both my and my XXXX year old cell phones all during the day. And i have not given them permission to call any cell numbers. I want them to stop calling me and my daughter cell or any other number they have on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 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:
This collection agency keeps harassing me about an account that was a predatory loan. I will literally be paying this debt until I am dead. I asked them to verify the debt and requested the original debt amount and contract with my signatures, because the amount they are trying to collect is not the original loan amount. It has been over 45 days and they have not sent me proper validation. No bill, no statement, no contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I had healthcare medical insurance which healthcare provider did not bill correctly for. I attempted to explain this to the credit agency and they were not understanding of the matter. Over the past month the collection agency " California Business Bureau '' has reported negatively to all XXXX major credit agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IN

Complaint narrative:
They call several times a day. After I do not answer for a long period of time they lock my ability to pay on-line so I will have to call them to be able to make a payment. 
This is a non-federal student loan I co-signed for my son. Since signing the loan I filed bankruptcy and was told by my attorney I would no longer be responsible for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
In XXXX, I encountered financial hardship and attempted to modify my mortgage through XXXX XXXX XXXX. There was a trial, then permanent modification which I also fell behind on. I started an attempt at another modification in late XXXX XXXX. At the end of XXXX XXXX, I received notification that they received my documentation and I should have an answer within 30 days. Before that time was up, I received a letter from XXXX stating that they had sold my mortgage to Caliber home loans. This letter also stated that if I was in the process of attempting a modification, they would forward all documentation to Caliber for them to complete the process. Around the same time, I received a similar letter from Caliber stating that they had taken over my mortgage, but no mention of the pending modification. XXXX or XXXX of XXXX was the last time that I received a mortgage statement and I never received any notification of the outcome of the modification. Caliber simply continued the foreclosure efforts that XXXX had started. I have never received a periodic statement from them, loss mitigation options, or a single point of contact. The only " loss mitigation option '' I was ever sent was a generic sales-like flier saying that I could potentially be eligible for a deed-in-lieu of foreclosure. In XXXX XXXX, I attempted another modification through an attorney. Through this I obtained single point of contact information and was able to sign onto my portal through Caliber. On the portal, there are also no periodic statements listed under my statements. I received notification today telling me that my modification has been denied, and that I am " not eligible for alternatives to foreclosure. 

Caliber has not acted in good faith on any level in the servicing of my loan. From the time they took it over, they have only moved forward with foreclosure. They have made no attempts to assist me in retaining or curing my default. They have not even bothered with monthly statements because they have no intention on properly servicing the loan. I even received a communication from them recently with my account number very clearly labeled and exposed through the clear address window on the envelope.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-27 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings
State: WA

Complaint narrative:
Evergreen Financial Investments , Inc DBA Rapid Cash, XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, XXXX. 

My bank is XXXX XXXX XXXX The selections do not really pertain to my situation. I do not have the money to pay the loan back as I no longer have work. I have revoked my pre-authorization for my debit card and actually cancelled my debit card since I misplaced the original. I spoke with my credit union and notified the merchant as well ( in writing ) and I also requested that they put together an installment plan. They responded that they had revoked my pre-authorization and I could make payments by mailing them to Kansas or bringing them in to the office here in XXXX. Since they did not mention the terms of the plan, I called their customer service number and spoke with " XXXX ''. She told me that I could not have an installment plan without a debit card on file which I do not want to do. She said that when the office did not get their payment on XX/XX/XXXX, they would send it to their collections department. However, they are not supposed to be charging me any more fines or other expenses once I 've requested the installment plan. Trying to deduct it from a debit card that no longer exists will earn them {$25.00} for the attempted deduction and may also incur a charge from my credit union. Since they know I do not have the money to pay, their trying to withdraw it on the due date makes no sense except to punitively charge me {$25.00} on the attempt. Again, the contract makes no mention of having to have a card authorization and, in fact, the email I received gave other instructions for payment this makes no sense. I am trying to be honest with them to tell them I ca n't pay immediately and they are giving me the run around. I do want to pay my debt, I just ca n't right away. I am sorry about this but now I feel they are being dishonest. I can furnish their email response if you require it. I just would like to email it to you at a private email address. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
We are trying to short sell our property. We had a buyer approved and set to close XX/XX/2016 at {$230000.00}. That buyer could not sell his home. We have another offer and Caliber is telling us that their investor will not accept? Thye appraised it XX/XX/XXXX at {$230.00}!!!! This was their own appraisal!?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
These XXXX individuals contacted me with deceptive collection practices claiming that I had an outstanding debt that they were taking me to court or filing in court. The first time I advised the individual to give me his contact information and to only correspond via court documents within the confines of the Code of Civil Procedure. Another contacted me about a year later stating the same thing. I have received no court documents and they violated the State of Texas XXXX XXXX by sending Electronic data as they sent these emails. Data that had nothing to do with me or my email account. They attempted to breach into my account and load it with emails from XXXX dating websites and I begin receiving emails from places that I never signed up to receive documents for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
I received a loan due to an emergency XXXX 2014 in the amount of {$750.00}. I 've paid {$1000.00} back and the balance is now {$2300.00}. The company told me they 'd accept a settlement in the amount of {$1700.00} in XXXX installments which would totals me paying back {$2700.00} when my current balance is showing {$2300.00} after a year worth of payments. It was done through speedycash.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am on XXXX as a result of XXXX established XXXX XXXX, 2009. My benefits have been actively garnished by Texas XXXX since the end of last year, and I applied in XXXX of this year to have it dismissed when I learned that I was eligible to do so, and I included a copy of my original paperwork and current printable proof of benefits provided online by XXXX. In late XXXX, I received a letter from Nelnet ( and XXXX ) instructing me that my loan application for dismissal was denied because I had not provided them with the required paperwork. To my knowledge, I had provided Nelnet with the proper paperwork. I called them and was informed that I must provide them with additional paperwork/paperwork which does not exists, or a written letter from my doctor proving I am XXXX. I called XXXX and was told that XXXX provides paperwork upon request specifically for this purpose / that I am not the first person to encounter this problem. I received the promised paperwork from XXXX, and I immediately forwarded it the following day electronically to XXXX. Today I have received another letter from Nelnet once again stating exactly the same thing : that my application has been rejected because I have not provided them with the required paperwork. At this time, they are still taking funds from my permanent XXXX benefit every month, I have provided Nelnet with legitimate paperwork from XXXX that should be above and beyond what should be required to prove my permanent XXXX status, and yet these organizations are still refusing to acknowledge the legitimacy or sufficiency of the official paperwork that I have provided to them or to dismiss the loan. Is there anything that you can do to help me, or advise me in this? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
I have been working with Caliber Home Loans on a mortgage modification. I had requested a fixed rate mortgage but they gave me an adjustable rate mortgage. I think that their practices are predatory. I want a fixed rate mortgage. They also did not give me enough time to examine the mortgage modification paperwork. I received the paperwork Friday, XXXX XXXX and they required that the documents were received back by them by Wednesday, XXXX XXXX. I had wanted to appeal the modification to get a fixed rate and a more affordable payment but they purposefully did not give me enough time to review the paperwork or to have an attorney review the paperwork. When I called them requesting more time they denied my request and told me that it was " take it or leave it ''. I believe that this is is another one of Caliber Home Loan 's predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
I XXXX XXXX have been in XXXX. My XXXX is at XXXX and I have a long road to recovery. My daughter had reached out to you about rapid cash. I have an account with XXXX XXXX XXXX in Nevada. Rapid cash refuses to respond back to me or my daughter countless times. I have intent to pay but I am a VA member and they do n't cover all the hospital expenses I need. If rapid cash is unable to temporarily suspend it, They will drain my account and I wo n't afford my recovery expenses. I have submitted a claim to my bank. And now I am writing you as well I do n't want them to take my truck and I only want a temporarily hold on my debit card and ach from them until I 'm out of the hospital My case worker can be contacted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Threats, harassment

Company response to consumer: Closed with explanation