vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit
State: NY

Complaint narrative:
I purchased a XXXX VW Passat TDI SEL XX/XX/XXXX. I took a 0 % interest 60 month loan with VW Credit. I made every month payment timely and was never late. On XX/XX/XXXX, VW announced that they had used " cheat devices '' in their TDI ( i.e Diesel ) vehicles. The intent of these devices was to violate American environmental standards. In particular, to cheat in meeting NOx emission output. VW immediately imposed a ban on its dealers from selling these effected new and/or used TDI vehicles. As a result, TDI vehicles have certainly lost significant value since VW has n't determined how, or if, the vehicles can be repaired to legally satisfy EPA emission standards. The matter is well know and rather than explain it further, I will instead address my complaint. I made a request to VW Credit to suspend additional loan payments until such time that the EPA accepts the remedy regarding the TDI scandal. I purchased the vehicle based on VW 's claim that the vehicle is a " Clean Diesel '' that provided efficient use of diesel fuel in delivering the rated MPG along with EPA complaint emissions standards. The sale was based on a lie and fraud on the part of VW. VW themselves do not deny the wrongdoing. I do not want to continue paying for this vehicle until I know that the vehicle satisfies all the conditions and expectations made to me when I purchased the car. 
I cite " 16 C.F.R. Part 433 : Federal Trade Commission Trade Regulation Rule Concerning the Preservation of Consumers ' Claims and Defenses ( The Holder Rule ). I am presently in a position of having to make continued payments for this vehicle in order to maintain my excellent credit ratings even though the vehicle was sold to me under fraudulent and possibly even criminal intent by the manufacturer VW. In addition, it is unknown if there is a fix for this problem. In effect I am being forced to pay for a what might be a worthless pile of junk to preserve a personal attribute that I 've worked hard to create ( i.e. my credit score ). I request your assistance in getting VW Credit to honor my request to suspend future payments until VW and EPA agree to a fix to this mess. I should not be held hostage, I am a victim of a fraud. VW is the perpetrator and probably even the criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
Our loan was with XXXX and was current The servicing was then taken over by XXXX XXXX XXXX. We were immediately notified that there was an escrow shortage and if not paid, would result in additional fees. Then the load was sold to Caliber for {$50000.00} more than what was owed. A load modification has been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
This is not the first time Comenity Capital opened up a credit card for me and then immediately or shortly after closed it out. XXXX XXXX XXXX I applied for a XXXX XXXX card as we are traveling this XXXX and I wanted to get rewards for my spending with XXXX XXXX. Immediately approved for XXXX. Card was mailed out and activated. I did not use it yet. On XXXX XXXX not even using the card yet, I get notice from XXXX that the card has been closed by credit grantor. 
Go back a few months, XXXX XXXX, XXXX. Opened a Redicard for XXXX with Comenity ... seeing I was going to be staying at a XXXX in the near future ... about a month later, get notice that it was - CLOSED by credit grantor due to inquiries. Funny thing is, the inquiry was the one that was for the XXXX with Comenity Bank. 
Same thing happened with my Comenity XXXX Visa. Approved in XXXX and then they closed the account. The only reason why I applied for the card was for the promotion that was going on. I joined the XXXX with XXXX and bought a bed, so I would get a discount. Shortly after, they closed my account and kept the fee I had to pay to join the club, as well as keeping any additional discounts I was going to receive for opening the credit card account and using the card on the purchase of the bed. 
With all this being said- XXXX accounts with Comenity, in the past year, closed by credit grantor ... is a bit ridiculous. Why extend credit to me, if after a few weeks, or a month, decide to cancel. I have no late payments, or accounts in default, so I am not sure why they are doing this. I took the hit to the credit bureaus for the inquiry and immediately or shortly after they close the accounts for 'excessive ' inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Upon opening a charge account with XXXX on XX/XX/2017, I was advised that my statement closing date on this account was on the XX/XX/XXXX of every month and the bill due date being on the XX/XX/XXXX of the month. On the XX/XX/XXXX, I had a XXXX balance on this account. I woke up this morning to an alert from XXXX and XXXX stating that an account had been added to my credit report. Upon checking my credit report, XXXX had reported misinformation, stating that my balance is {$120.00} shooting my utilization of my credit cards from XXXX to 28 %. On XX/XX/XXXX, the date in which I was advised by several different customer service representatives that was my statement closng date, I had a XXXX balance on this card. I had not made a purchase with this account until XX/XX/2017. I then called XXXX again and spoke to a representative by the name of XXXX who confirmed that my statement closing date was in fact on the XX/XX/XXXX. She said " We report a couple days later. ", I then asked her what is a couple of days? SHe responded with " Ummm ... on the XX/XX/XXXX. '' I then told her that from the XX/XX/XXXX to the XX/XX/XXXX is NOT a couple of days and that it was in fact exactly 14 days ( 2 weeks time frame ). XXXX incorrectly reported information on my account to the credit bureaus in regard to my balance at the the time of my statement closing ( XX/XX/2017 ) and reported a balance as of the XX/XX/XXXX.

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

Complaint narrative:
On XXXX/XXXX/15 went into a XXXX store in XXXX, nv. to make payments on my loans. I asked if they could consolidate XXXX of the XXXX loans I had. I told the clerk numerous to leave the loan for {$110.00} opened because someone else paid on this loan. I was told no problem. I left the store with my new loan, thinking my payments now were {$320.00} a month. return to the store on XXXX/XXXX/15 to make my payment and was told that I owed $ XXXX why and the clerk said they made a mistake and consolidated the wrong to loans XXXX for {$210.00} which I only had XXXX more payments and the {$110.00} which I made it clear to leave open. The clerk said she did not make the mistake and would not correct it. I called the main office and talked to a few different people which none were going XXXX do anything about this. Then the threating and harassing phone calls started. This mistake by there employee puts me in a position that makes it so I can not afford to pay. I would never of opened the new loan knowing that they closed the wrong ones.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
On XXXX XXXX, 2016 I called my mortgage service provider ( Caliber Home Loans ) to inquire about the removal of PMI from my home loan. I was told by the Caliber rep that it could not be removed until 2 years of mortgage payments were made on this existing loan even though my current Loan to Value was less than 80 % of the current home value. After stating to the rep that I thought that this PMI removal requirement was weird, she agreed to send me me out the PMI removal package immediately. After 1 week of waiting, I call back Caliber to determine where my PMI package was at this point. I was told by this other Caliber rep today ( XXXX ) that this PMI removal package would not be mailed out to me until mid-XX/XX/XXXX due to the current overwhelming demand of this same request from other homeowners. At that point in time, I told the rep that I would file a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CURO Intermediate Holdings
State: NY

Complaint narrative:
This loan was never mine. I disputed with the credit bureaus and the lender keeps coming back verified. I have went the proper channels and now I am just fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
XXXX # XXXX XXXXI have a a unverified account from KEYBRIDGE MEDICAL REVENU. I had previously disputed this account. I have never done business withXXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX XXXX XXXX and I believe it is a HIPPA Act violation. I request that XXXX XXXX XXXX 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 XXXX XXXX XXXX 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 2016-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
I worked with a HUD certified counseling agency ( XXXX of XXXX, CA ) to submit a complete loan modification application with supporting documents to the servicer of my mortgage, Caliber. But they went ahead and did a foreclosure sale anyway without ever giving me an answer about the modification. 

I was told by Caliber representative XXXX XXXX that there was time to stop the foreclosure sale if I got my information to them to apply for a modification. I did get the information in. I spent a lot of money on faxes to the counseling agency ( XXXX ) and on faxes directly to Caliber. 

Caliber confirmed to XXXX that my application was received. I tried to also follow up on the phone but I could n't get any information. I called at least three times just to check on the status of my application, but the person assigned to my case, XXXX XXXX, was never available. Caliber reps I spoke to said they would give a message to her, but I never got a call back. 

Caliber never told me or the XXXX counselor assisting me that anything more was needed. But they foreclosed on XXXX XXXX, 2016. 

Then AFTER the foreclosure I got a letter saying there were missing documents. That letter was dated XXXX XXXX, 2016 but the date from the postage meter stamp says XXXX XXXX and the postmark says XXXX XXXX. 

I am also concerned that Caliber representative XXXX XXXX discouraged me from using the HUD certified counseling agency that I was then working with and encouraged me to just work directly with her instead. Later on a different phone call I mentioned XXXX to a different Caliber representative. That representative responded by saying Caliber does not deal with third parties. 

Finally, I believe FHA mortgages I was supposed to be given a chance to have an in person meeting to work out a modification or payment plan or avoid foreclosure some other way. It was extremely difficult to work with all the different banks and servicers involved, so an in person meeting would have helped a lot. But I did not have that chance. 

After I lost my wife and fell behind on the mortgage, I heard about the Making Home Affordable program and I tried for a modification with XXXX XXXX XXXX. They kept telling me they got all my documents and were waiting for the underwriters to make a decision. Finally they told me that there was still no decision, but it had been so long waiting for the underwriters that my documents were too old. So I had to start all over with filling out an application and sending new documents. I did that at least three times and never got any decision about a modification. 

Then I started getting mail from Caliber, and I thought it was junk mail. I called XXXX XXXX XXXX and I was told they no longer serviced my loan. I had never been notified by XXXX XXXX XXXX or anyone else about a change in the owner or servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: USI Solutions Inc.
State: TX

Complaint narrative:
I have an old outstanding credit card debt that I am currently paying to a debt collector, USI Solutions , Inc. on a monthly bank draft for {$150.00}. The debt collector assigned to my account will call me to attempt to close out the account with an agreed amount, which I have not been able to do. If I do not answer the phone for any reason, he immediately calls my sons, wife, and an old business partner which have nothing to do with my debt. I 've tried to reason with him and have told him to stop calling people who have nothing to do with this, but he persists and continues to call them, actually calling one of my sons this morning three times within a XXXX minute period on his cell phone. I want this to stop. I have an agreement with them, and I 'm doing my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I bank with XXXX XXXX XXXX in XXXX California. I recently took out a loan with Speedy Cash. I sent an email to Speedy Cash on XXXX XXXX, 2015 requesting that they stop all ACH withdrawals immediately. They ignored that request and debited my account for {$250.00}. I was in the process of making small weekly or bi-weekly payments to them. I had even spoke to them on the phone. They had agreed to stop ACH withdrawals and then went ahead and did. It is my understanding that once a request is made to end ACH withdrawals, a lender must comply with that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 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: CO

Complaint narrative:
This company has called me repeatedly and I believe has put my phone number on call lists of various marketers and vendors so that I get many recorded messages trying to sell me something. I have applied for a total and complete discharge regarding my brothers student loan and his severe XXXX has not been taken into account at all. I requested an audience or to speak with the client for mediation on the debt and they said no the client will not speak with me. My father paid {$150.00} every month for several months resulting in about {$8000.00} paid and the balance of the loan was not affected much and now that I have not been able to afford to pay it, the balance is greater than the original balance. They offered to settle for {$12000.00} within three days of the request, and said I could pay {$100.00} a month with {$30.00} going to the principal and {$70.00} going to pay interest. I said that does n't help me get out of debt and they made no effort to help me. Thank you for any help you can lend me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc.
State: RI

Complaint narrative:
Caliber Home Loans does not have a Single Point of Contact on any file. Ever. They refer you to a " SPOC Dept ''. You can NEVER get out of their prompt system. They provided a modification agreement without a term and maturity date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
I have had my wages garnished starting on XX/XX/2015 for the debt in question. I have almost paid off the entire amount, as of a few days ago I checked the court docket site and the company is trying to do a bank attachment for the full amount! I have almost paid it off through the wage garnishment, I have proof via my pay stubs. Also they have filed a lien on my house as well. Seems as though they are trying to triple collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Trying to work with our lender on a loss mitigation application. They sent us the application with a letter dated XXXX/XXXX/17 with instructions to return within 30 days. We submitted electronically and sent the original documents in overnight mail, we me the 30 day deadline. The lender can not confirmed that they received it. They now say they need 37 days before the sale date to review ; when I told them the letter gave us 30 days ; they said it would take 5-7 days to upload, but they would review. The sale date is XXXX/XXXX/17. We feel that this is illegally dual tracking to force us into foreclosure when we have submitted an application to try to bring the loan current.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Union Bank sent me a new " chip & pin '' debit card about 2 1/2 weeks ago. I did not ask for this card ; they just sent it to me. I activated the new card as soon as I received it. However, I have been having one problem after another using the new card. I read through the literature that Union Bank sent along with the new card, to see if there were any tips on how to resolve any problems with the new card. There were not any tips given ... just legalese. 
XXXX XXXX said Union Bank had declined my automatic payment on XX/XX/2016, even though there was plenty of money in my account. XXXX XXXX then canceled my car insurance and renter 's insurance. XXXX XXXX XXXX would not accept the new card either. I should add that the debit card number is the same on both the new card and the old card. The expiration date, however, is different on the new card. The CRV number is also different. Nowhere in the Union Bank " chip & pin '' literature did it say for customers to contact merchants/automatic payment companies with a new expiration date. 
Then, yesterday, at XXXX in XXXX, CA, my new debit card was denied for a purchase of XXXX. My card was scanned through their card reader at least 7 times. The card reader had chip technology, so the clerks tried to scan the card both ways. In addition, XXXX insisted that I was entering " the incorrect pin number. '' I actually entered the correct pin number 4 or 5 times into their card reader. There was a long line of people behind me, and it was humiliating to be turned down for a XXXX purchase. The XXXX manager said, " we 're sorry, but we can not authenticate this card. '' I ended up having to write a physical check, which, of course, just held up the line even longer. 
As soon as I got home, I double-checked the balance in my bank account, which was fine. I also double-checked my pin number ... I had indeed been using the correct pin at XXXX. 
The XXXX manager told me to call Union Bank this morning ... that the bank would be able to see in their system why my debit card had been declined on XX/XX/2016 so many times. I called the XXXX XXXX, CA branch of Union Bank this morning. The gentleman who answered the phone, XXXX, said there had indeed " been a few problems with the new chip & pin cards. '' He gave me a national XXXX Union Bank number to call. However, when I was finally able to reach a real, live national Union Bank employee at XXXX XXXX. PST XX/XX/2016, and explain what had been happening with my new debit card, she just transferred me back to the bank 's automated phone system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Union bank reported me to XXXX and ca n't tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
The credit card I had was for XXXX, which has since filed bankruptcy. I returned merchandise and a refund was never credited to my store card which is issued by Comenity Bank. XXXX sent emails saying they are no longer processing any returns or refunds and to dispute any charges with the credit card company, which I have done. Comenity Bank is now refusing to credit me and passing the buck back to XXXX even though they are unresponsive. I made my purchase on XX/XX/2016 and it was for XXXX. My account number with Comenity for my XXXX card was XXXX.

Company response to consumer: Closed with monetary relief