vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Hello, I recently purchased a townhome at XXXX California. I initially worked with the builder 's preferred lender XXXX XXXX XXXX, XXXX, CA for the loan processing. I put down XXXX % down payment and wanted a loan of XXXX % and XXXX % line of equity.. We approached this lender in XX/XX/XXXX and my home was due to close XX/XX/XXXX. During the pre approval process, we had asked the loan officer if they offer 7-year ARM adjustment loan instead of 30 year fixed. They confirmed they offer XXXX ARM adjustable rate loan. I have the pre approval letter from them that stats 3.75 % for XXXX ARM. After 2 months rates expired, and once my closure date of XXXX XXXX was announced, the lender called me XX/XX/XXXX and mentioned that he is talking to a couple of partners and they could offer an interest rate as low as 3.125 % and will call back to confirm the same and lock the rates. The entire week they did not call. He finally called on XXXX XXXX and shocked me saying that they could offer only 30 year fixed with a very high interest rate of 4.5 % for the XXXX loan of {$620000.00} and 5.5 % for the XXXX loan of {$100000.00}. The XXXX loan was from their partner company XXXX XXXX XXXX XXXX. 
I was given very limited time look for another lender. 
However, a loan officer from XXXX XXXX came forward to help me and he is a broker for Union Bank. He offered me an interest rate of 3.125 % for the XXXX loan of {$640000.00} and 4.5 % for XXXX loan of {$79000.00}. They were not able to close the home on the deadline of XXXX XXXX and the builder was not giving extension as the XXXX lender had already processed the loan documents and they asked me to close the loan with the XXXX lender. 
The XXXX lender, sent very strong emails to the builder threatening to report them to Consumer Financial Protection Bureau if they force me to close the loan with the XXXX lender citing the practice as steering. Finally the builder agreed to give extension till XXXX XXXX. 
The XXXX lender locked the rate of 3.125 % for the XXXX loan for XXXX ARM. He mentioned the interest rate for the XXXX loan is 4.5 % confirmed the same many times. 
After closing the home, I repeatedly asked him to send me the statements for the XXXX loan and he then tells me that Union Bank is charging 6.24 % interest and not 4.5 % that he had promised. Union Bank did not give anything in writing regarding the rate. However XXXX XXXX sent me a document on their letter head stating it as 4.5 % When I contacted Union Bank directly they tell me to talk to the broker and I can not contact them directly. When I contact the broker he says Union Bank is not agreeing on 4.5 % rate. 
I really feel cheated and I am caught up with a higher rate now. 
Hence I wanted to file a complaint with CFPB regarding my experience. 
Please do the needful in helping me resolve this issue. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I sent Toyota Motor Credit a letter via certified mail on XXXX XXXX, 2016. I have the only response that I received was further derogatory reporting on my Credit Report. I never got any for of response to my letter, which is attached and the exact same letter was sent again on XXXX XXXX, 2016. Twice I 've sent this letter! 

I 'm prepared to file a lawsuit for violations under RFDCPA and Title 15 Section 1666 of the US code.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Caliber Home Loans, Inc.
State: HI

Complaint narrative:
XXXX, XXXX XXXX XXXX true and lawful Attorney-in-Fact XXXX ( hereinafter " XXXX '' ) contacted XXXX, SUPERVISOR, TELLER ID. NO. XXXX of CALIBER HOME LOANS , INC at ( XXXX ) XXXX, Extension No. XXXX to follow up with the phone call XXXX had with XXXX on Tuesday, XXXX XXXX, 2016, because XXXX never contacted and followed up with FTLC on Wednesday, XXXX XXXX, 2016, Thursday, XXXX XXXX, XXXX, and Friday, XXXX XXXX, 2016 as XXXX had promised. Instead of XXXX answering the phone on Friday, XXXX XXXX, 2016, a XXXX, TELLER ID. NO.XXXX answered and took XXXX phone call. XXXX conveyed to XXXX that XXXX stated that SHE would be the one handling CALIBER HOME LOANS, INC., CONDUIT ACCOUNT NUMBER XXXX and XXXX had not heard back from XXXX for the last couple of days to find out if CALIBER HOME LOANS, INC., finally closed CALIBER HOME LOANS, INC., CONDUIT ACCOUNT NUMBER XXXX? XXXX stated to XXXX that XXXX was in a meeting. When XXXX asked and pressed to speak to XXXX 'S SUPERIOR OFFICER ( S ), XXXX denied, prohibited, refused, and stonewalled XXXX so as to get this matter addressed, resolved and cured ASAP, which then she abruptly hung up the phone on FTLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
I 've sent three notices this year regarding my mortgage account being reported inaccurately to all XXXX of the major credit bureaus. 
Specifically, XX/XX/XXXX mortgage payment was made processed on XXXX/XXXX/XXXX yet it is being reported incorrectly as 90 days late. 
Also, my XX/XX/XXXX payment was made late only because the Caliber website had the monthly payment listed as {$1600.00} which was n't the case. I 've called and spoken to Customer Service Department representatives on multiple occasions who confirmed that the online account information was incorrect and therefore the less than full payment was n't an error on my part. 
On XXXX XXXX I spoke to XXXX ( ID # XXXX ) from the Customer Service Department who agreed and confirmed with his supervisor that both XX/XX/XXXX and XX/XX/XXXX payments were being reported incorrectly. The confirmation number I was provided for this particular conversation is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have been struggling with my mortgage payments, and applied for loan modification, back in XX/XX/XXXX.I was sent a package to resubmit back to mortgage holder, providing current information on income, expenses and desired options. The mortgage holder keeps on requesting the same income information that was previously provided and insist on delaying procedure to underwriter. HUD Counselor has take the approach that there is no standard or guideline to delays and stall tactics being used in the decision process rather a wait and see.I think from XX/XX/XXXX to XX/XX/XXXX is more than enough time to give a reasonable respond for an application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trident Asset Management, L.L.C.
State: NJ

Complaint narrative:
Hello, Recently I have noticed several new negative accounts added to my credit report. The accounts are listed as " Trident Asset Management ''. The address listed on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA ( see attached ). I am unaware of these accounts and mailed a letter directly to them requesting validation. Today I received notice that " My item is undeliverable and will be returned '' ( see attached ). Please let me know if there is any additional information you need in order to process this request. Additionally, I will upload a photo of the returned letter when it arrives at my address. Thank you for your help in this matter. 


Additionally, I was never informed of these alleged debts and never received a notice of right to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have a a unverified account from PORTFOLIO RECOVERY. I had previously disputed this account. I have never done business with PORTFOLIO RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PORTFOLIO RECOVERY provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORTFOLIO RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
Wrongful repossession Financial Fruad -Wiring money ( unknown reason ) Toyota Financial Services ( TMCC ) and Lexus of XXXX -Asking for social security number and account number via text / email -Over XXXX dollars of unexplained charges and late fees -Repossession of vehicle with belongings inside, refused to inform me where it is to get my things unless I pay off vehicle -Term changes /mid deal changes after closing - Constant billing / late fee harassment ( unexplained ) - Credit denial so was forced to pay cash towards downpayment No one in the finance department or dealership will help they claim it has nothing to do with them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The representative could not provide me with information about the amount owed other than who the original creditor was. I was asked to provide the collection company with information of what I owed them instead of them providing me with information about the amount of money that they were trying to collect. I asked to be provided proof of debt, including but not limited to, payment history, interest accumulation, and fees to verify the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I sent a letter to Portfolio Recovery Associates ( PRA, LLC XXXX on XX/XX/XXXX notifying them of their default to report according to Texas XXXX XXXX XXXX XXXX and in fact default according to FCRA section XXXX ( a ) ( XXXX ) ( f ) ( XXXX ) ( XXXX ), I received a response from PRA greater than XXXX day of the original dispute with no clear validation of this account. I requested that PRA delete the inaccurate information and to notify the all credit bureaus. In Reviewing my credit report on XX/XX/XXXX this account still shows as derogatory with all XXXX bureaus. I sent another letter to PRA on XX/XX/XXXX to inform them of the default back in XX/XX/XXXX and asked for validation on this account. I also reiterated that they must report this to the CRA. I received a letter from PRA dated XX/XX/XXXX however this letter was not received until XX/XX/XXXX. PRA 's letter did not justify validation nor did it justify the information in regards to the XX/XX/XXXX dispute. In response to PRA 's letter, I AGAIN notified PRA on XX/XX/XXXX that the letter dated XX/XX/XXXX did not validate the account according to TFC and FCRA. I received a follow up letter from PRA dated XX/XX/XXXX, greater than 5 days of the re-dispute, referencing 15 U.S.C Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( II ) but failed to reference Section 1681s-2 ( a ) ( 8 ) ( F ) ( ii ) ( iii ) - that a dispute is frivolous or irrelevant, the person shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the person. I did not receive notification from PRA of " such determination '' within the grace period. According to PRA, if they continue to receive subsequent correspondences from me regarding a dispute that has already been resolved, they will consider my inquiry answered. Therefore, my only options are to submit a complaint and to notify the credit bureaus in writing. Thank you in advance for you time

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Debt collections services from Portfolio Recovery Services are constantly calling my phone number, which I have not given to anyone. They refuse to disclose who they are trying to contact ( when I return their call ), demanding I first answer their questions ( which I refuse to be compelled to do - as I see it as assisting them and acknowledgement of their illicit tactics ). I have explained that I alone live at this address, and that I have NO outstanding accounts ( my credit score is mid XXXX 's ). I presume that they have linked this phone number to this address and are seeking someone who lived here in the past. In principal, I DO NOT give out information to unsolicited callers, especially those who, in essence, are holding me hostage with harassing phone calls as a means of generating income by collecting past due debt. As I pay my bills in a timely fashion and maintain good credit of my own, I feel especially violated. I 've repeatedly asked/demanded that they stop calling. They refuse to allow me to record the calls, aware that I intend to take legal action. In truth, I prefer that their tactics be exposed and they incur whatever fines they merit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery : XXXX, continues to call family members divulging my personal information in attempt to collect a debt that I do not owe. Additionally, this company has received written notice to seize and desist all attempts to contact me. I previously submitted written complaints to your office regarding this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: DC

Complaint narrative:
Greetings, My name is XXXX XXXX and I am filing a complaint on behalf of myself against Portfolio Recovery Associates ( PRA ). My complaint arises from PRA 's illegal attempt to collect on an alleged debt ( Charged-off account ) using tactics that violate several federal laws ( Both FDCPA and FCRA ). PRA is currently attempting to re-age an old account by providing false information to the credit reporting agencies, XXXX, XXXX, and XXXX in regards to a charged off account. Attached to this complaint are three documents that show this illegal activity. The first document is the initial letter from PRA, which details their involvement as a debt collector on behalf of XXXX On that document you will see the full account number detailed. The second document is an export of an old credit report showing the exact date that this account opened as well as the account number and company name that was collecting on this account, XXXX. The third document is a newer credit report which shows that PRA has now added themselves to my credit report ( in the place of XXXX ) and have also changed the date the account was opened as well as the account number to reflect a number that they created which mimics the old account number ( See documents ). They added new characters to make it seem as if this is a new account. Also, on the newer report PRA claims that the alleged debts " Date Major Delinquency First Reported '' was on XX/XX/2015, three months after they placed this fraudulent account on my credit report. By affecting the dates on my credit report PRA now has effected the time in which this item will fall off of my credit history. Per XXXX law, this account is well past the statute of limitations for debt accounts based on the original creditors account closure date, which was removed by PRA and no longer exists on my credit report. 

Additionally, I sent two letters to PRA demanding that they validate this alleged debt and their involvement. They did not comply with my demands ( Package Attached ). 

Just so we are all clear : 1. I have never opened an account with Portfolio Recovery Associates. 
2. Portfolio Recovery Associates have never sent proof that there is a signed contract that exists that binds myself, a natural person, and Portfolio Recovery Associates, a creature of the State who is defined as an ARTIFICIAL PERSON. 

Lastly, these continued illegal attempts to collect on this alleged debt have left me XXXX exhausted. I am hoping that this can be resolved without any need to go the legal route, which is my next option. 

Thanks in advance for your attention to this matter. 

XXXX XXXX US Citizen All rights reserved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
I purchased a car with my daughter from Toyota of XXXX on XXXX XXXX, 2016. Around a week after being approved i questioned the finance terms that were in our loan. The next thing i know they are trying to make me pay to be financed at a lower rate thru a different lender than i was already approved for. I declined the offer for several reasons but now 3 weeks later Toyota calls me saying that Toyota motor credit wont allow my original loan to be processed because I 've been offered a better deal. Fair lending laws wouldnt allow it so i had to sign the new contract. Even though we where not even informed about the terms of the new contract until the day that she called saying my loan wasnt approved. She claimed to have offered to lower the sale price of the car as well as lower the price for the warranties and extra coverages that were included in the car loan while we were talking in her office but she never mentioned any of this to me or my daughter when we sat on her office. All she mentioned was lowering the interest rate to 7.5 % upon approval which would save us {$40.00} a month to equal {$3000.00} over the whole term of our loan. The finance company has done nothing but mislead me at this point as well as attempt to charge me unnecessary amounts of money to get financed for a car. When the finance manager kept insisting that i sign the new agreement i began to feel threatend especially when the she said that she would send somebody to me to get the papers signed by me. Thats when i informed her that i was seeking legal advice. I have attached supporting documents. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I leased a vehicle in XXXX from XXXX XXXX in XXXX XXXX, California at the full amount of {$29000.00}. My payments were {$450.00}. XXXX a month. In XXXX I decided that I was going to purchase the vehicle because the repair/service department was saying that I was using up my mileage ( line XXXX on original contract of lease ). I met with a dealer who signed me up on a new contract to buy. The new contract dated XXXX now lists the car at a higher price {$32000.00}. This is after it 's used by me since XXXX. They do n't charge interest on a leased vehicle. It 's a rent charge but should n't the car be valued at the XXXX XXXX XXXX not a new vehicle price?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 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: MO

Complaint narrative:
Portfolio Recovery Assoc is a collection agency that has been paid. I have tried disputing their account multiple times due to their illegal and inaccurate reporting, yet it remains. This collection company is reporting this account as open, though it 's been paid for numerous years. They have it listed under installment accounts as though it was a cc though I never had a CC agreement with them, it was with XXXX XXXX, the company they bought the debt from. They list a high credit amount as though they 're a CC instead of a collection agency. They list dates of serious delinquency like a CC. All tactics that as a collection company they are not allowed to use and if I remember correctly, they have had lawsuits filed against them in the past for these same illegal tactics to extend the damage they can do to consumers with regards to their credit long after the debt has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
These people keep calling me after I have put in numerous requests for them to NOT contact me. I have also contacted the original creditor who does n't have my information on file. They have been unwilling to verify ALL XXXX debts that they have me in collections for. REMOVE from my report and STOP contacting me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I had purchased a XXXX XXXX protection plan effective date XXXX/XXXX/1998 with group policy number XXXX and XXXX with certificate number XXXX for account number XXXX.wich would cover my balance my account if I get unemployed or XXXX. unfortunately I became XXXX and I notified the insurance company what just happened and become XXXX. and next thing I know I have a collection agency after me.

Company response to consumer: Closed with explanation