vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
Dual Tracking and Foreclosure violation by Caliber Homes Loan. We applied for loan modification due to unemployment and underemployment before XXXX XX/XX/XXXX and more than 37 days from the XXXX XXXXXX/XX/XXXX foreclosure, sale date on my home. However, although, our modification process is still currently going on, Caliber Home Loans, has simultaneously, scheduled a foreclosure date for XXXX XXXX, XX/XX/XXXX ( now, roughly, 2 wks from today ). 
Please, Help Now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
Hi, I have been trying to get my mortgage modified since XXXX. My servicer is Caliber Home Loans. My uncle co-signed my loan when I purchased my house. I was told by XXXX XXXX, my Caliber representative to have a quit claim deed filed removing him which I did in XXXX. My uncle does n't live in the property and does n't contribute to my household. I have submitted XXXX loan modification applications. I am also working with a HUD counseling agency. The very last modification that was submitted she thought we had worked out this issue regarding my uncle and the quit claim deed. They continually ask for either his financial information or the quit claim deed. I have submitted the quit claim deed numerous times. When my counselor called Caliber and spoke to their representative XXXX ID XXXX she explained the whole situation. XXXX stated that they could n't see the transfer of title. They each pulled up a copy of the deed and the counselor showed the Caliber representative exactly where the transfer was. XXXX stated she understood and could see it and would show underwriting and have the file escalated. XXXX advised the counselor to call her back in a few days ( XXXX XXXX ) When my counselor called XXXX back a couple days later for a resolution XXXX did n't pick up the phone so the counselor left a message. XXXX never called her back so the counselor called again and was told the file was denied because they never received the quit claim deed or my uncle 's financial information. This is very frustrating as I feel as if this is being done on purpose. I have submitted the complete package to them again today with a letter explaining the deed transfer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
Borrower received a permanent modification offer. It was received via email on XXXX/XXXX/2016 from the bank 's attorney, XXXX XXXX XXXX at XXXX, XXXX, XXXX XXXX. The borrower came in on XXXX/XXXX/2016 to sign and notarize the documents. On that day, I, XXXX, contacted both Caliber Home Loans, and the attorney 's office in an attempt to collect the label that, in the documents, was supposed to be attached. In my conversation with XXXX, I was given the address to MAIL the documents to, and was assured that it would be " okay '' if the documents got there late. The attorney did not respond to me until XXXX/XXXX/2016, XXXX week later. She attached the mailing label in that email, but, per my discussion with Caliber on XXXX/XXXX/2016, I sent the documents via USPS. The borrower called to make XX/XX/XXXX payment and was told that the case was " closed '' and that the borrower needed to reapply for a modification, as the documents were received after the due date. The documents were not received by Caliber until XXXX/XXXX/2016, and they were due XXXX/XXXX/2016, the date that the lawyer 's office sent the label. Please see attached. I escalated the case on XXXX/XXXX/2016 through Caliber, and was informed today, XXXX/XXXX/2016, that they stick to their decision to close the case and the borrower needs to reapply.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MNS & Associates LLC
State: WA

Complaint narrative:
Mns Associates llc is harassing and calling my Family, employers, and people I know. I do not owe any debts to them. They are harassing people. They have not tried contacting me. But instead harassing and calling all of my contacts. I want the harassment to stop. I want all of the calls to stop. I want mi further contact from them. I do not owe any debts to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
In XX/XX/2016 I recieved a phone call from Keybridge Medical revue Management in XXXX Ohio stating that I owe XXXX in Ohio for XXXX medical bills of {$66.00}, {$190.00} and {$51.00}. The lady that I talked to at the collection company said that these outstanding accounts were showing up on my credit report with all XXXX credit bureaus and that if i paid them they could take them off my credit. I agreed to pay the collection company and gave her my debit card number. 

About 60 day later in XX/XX/2016 i checked my credit report and the medical collections were taken off my XXXX and XXXX reports but on my XXXX report it remains as a paid collection. 

I called the collection company in XX/XX/2016 and the collection company instructed me to dispute the information with equifax and they would take it off of my equifax credit report. 

I have disputed the XXXX paid collection accounts on my credit report multiple times but equifax, and Keybridge Medical Revenue Management will not remove the XXXX paid collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
speedy cash charged me {$310.00} for a loan of only {$240.00} then reported it to my credit report please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Capital Bank approved my request for a XXXX XXXX XXXX credit card with a {$8000.00} limit and a {$49.00} annual fee and a sign-up bonus offer for XXXX XXXX XXXX points on XX/XX/XXXX. I received the credit card two weeks later and activated it but the credit card did not work even though it showed an available credit limit of {$8000.00} online. I contacted Comenity and was told that my card had been cancelled due to a security issue and they could not elaborate any further. They do not have any brick and mortar locations in XXXX ( and only have those in XXXX ) so I could not go in brand to resolve this issue. In summary, I did not receive my bonus points, received a hard inquiry hit on my credit reports and received an approved credit card that did not work with no resolution from Comenity. My credit score was negatively impacted because of the hard inquiry by Comenity. They approved my card but later cancelled it two weeks later for no explainable reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
Requested assistance on a modification for Making Homes Affordable program due to foreclosure sale date XXXX/XXXX/2016, denied stating documents were not received 15 days prior to sale date, when complete package was submitted to lender same day as third party authorization which was XXXX XXXX, 2016 ( 20 days prior to sale date ), spoke to rep on XXXX XXXX stated on TPA on file. informed rep how do they only upload XXXX document out of many, Sale date approaching fast, rep informed me if complete package send again. Re faxed modification documents again on XXXX/XXXX/2016, rep stated on documents uploaded to Mortgagors system on XX/XX/XXXX, it took 5 days to upload documents submitted for modification. Informed rep that is not acceptable and can not fault client when it was there systems that delayed the process as originally was sent on the XXXX/XXXX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: NC

Complaint narrative:
I received notification that a Debt for the amount of : {$140.00} on XXXX XXXX, 2016 was place don my XXXX Credit Report and am not sure if there are others from this company. They have not provided any pre-collection attempts or notified me via postal mail, or a phone call. They have the wrong person. Ruining my credit. Needs to be removed ASAP! and A LETTER TO ANY CRA 'S REPORTED TO, TO have it removed. 

I need this removed ASAP! 

Alert Date XXXX/XXXX/2016 Source XXXX Company STELLAR RECOVERY INC Payment Status Collections Status Date XXXX/XXXX/2016 Balance {$140.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, MT XXXX Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: MS SERVICES LLC
State: WY

Complaint narrative:
On multiple occasions, MS Service of XXXX WY have tried to contact me at work. Not only do they not verify who they are speaking to before they tell who they are, but they have been told on numerous occasions ( the most recent being today XXXX/XXXX/15 at XXXX XXXX ) not to call at work. The women who calls even started the conversation with I know you told me not to call at work so I will be quick. They havent even sent letters or called my home phone, just harassed me at work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
I was denied the ability to open a bank account because of information provided by ChexSystems. I requested more information from them, but was not given anything useful. I was a victim of identity theft in 2014, but otherwise have always been in good standing with all of my credit/bank accounts.

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 2016-06-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc
State: GA

Complaint narrative:
Northland Group Inc. has continued to report unfavourable remarks on my credit profile for a debt that I do not owe. Hence, their negative remarks has continued to continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-23 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: MS SERVICES LLC
State: WY

Complaint narrative:
Called me repeatedly, did not leave message. Received XXXX calls in a row, and XXXX more in the hour.

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 2016-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Credit Union Mortgage Association, Inc.
State: VA

Complaint narrative:
Dear Sirs, My spouse and I recently applied for a conventional mortgage. We were " pre-qualified, '' made an offer, and obtained a ratified contract. We supplied all documentation requested and answered all questions. One month later, we were denied out of the blue on the sole basis of our student loan balances. We were not informed that 1 percent of our student loan balance would be used as our payment amount. That is not our payment amounts, which are reflected on our credit reports. The 1 percent payment amount is 8 times larger than our actual income-based payment amount. We can easily afford the property other than this arcane regulation requirement. Complaint 1 - the lender ( Credit Union Mortgage Association , Inc. ) NEVER informed us of this requirement. This resulted in wasting time, energy and money for all parties involved ( buyer, seller, agents, inspector, appraiser, not to mention CU staff ), expending monies ( appraiser, moving deposits, etc. ), and signing a contract without full disclosure of necessary information by the lender. Complaint 2 - Why is XXXX ( I found the rules on my own ) requiring lenders to count 1 percent of student loan balances as the payment, when that is not the actual payment? Income-based plans are legally available to all borrowers. For some unknown reason that discourages business, Americans with student loans balances will often be unable to qualify based upon this provision alone. It is antithetical to good business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I have called and called ChexSystems concerning incorrect information on my consumer reports and they have never once returned my phone calls. Recently, XXXX/XXXX/2015, I was refused an " XXXX University Student Checking Account '' with XXXX Bank because of incorrect information that ChexSystems has on my consumer report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
We continually receive recorded phone calls from XXXX XXXX XXXX XXXX at our home phone, about every other day. We do not want to return the call because it sounds like a scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nationwide Debt Management Solutions, LLC
State: MI

Complaint narrative:
In XX/XX/XXXX I obtained a payday installment loan from XXXX. I was unable to keep up on these payments, so decided to do debt settlement on this ( and other debt ) through XXXX company. I settled all my debt in XX/XX/XXXX have been making monthly payments since. In XX/XX/XXXX the debt was converted into a debt consolidation loan with XXXX. I have been paying timely payments on the whole of debt ever since. Now my employer as well as myself are being repeatedly contacted by Nationwide Debt Management XXXX ( or NDMS ) XXXX XXXX XXXX. XXXX XXXX XXXX CA XXXX asking for payment on my debt to XXXX I no longer owe this debt! I asked for a validation of debt and received only an e-mail. Not to mention the amount was far higher than what I originally owed as well ... very concerning.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northland Group Inc
State: NC

Complaint narrative:
I was having installment payments withdrawn from my banking account by the original creditor ( XXXX, XXXX. ) concerning debt in question. 
XXXX, XXXX. has unethically, unfairly, and fruadulently reported unwarranted debt information to Northlands Group Inc. concerning my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
Certegy is reporting to my bank that they should deny my deposited checks. No information on Certegy 's report shows any change from when they recommended acceptance of my deposited checks to my bank.

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 2016-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
A debt collector put a lien on a old debt on my credit report it expired and is due to come off so a debt collector law firm sent a letter I sent XXXX request of verification of debt and last transaction and nothing. Instead they file garnishment against me on a debt that is approximately 20 yrs old how is that legal and where is my rights as a consumer. the law firm is XXXX, XXXX XXXX XXXX XXXX in 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
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: MS SERVICES LLC
State: IA

Complaint narrative:
Large collection balance with original creditor XXXX XXXX XXXX XXXX for original charged off balance of XXXX. Written notices mailed to address in XXXX and XXXX 2015 did not include notice of rights to dispute or appeal debt or propose settlement arrangements. Debt collectors would not accept money orders or cashier 's checks for continued payment plan, and pushed for series of post-dated checks on large debt. Unwilling to work out settlement with lower interest rates. Letter dated XXXX XXXX, 2015 states " failure to respond by XX/XX/2015 may result in the initiation of asset information review, which may be used by management for the purpose of suit evaluation. This inquiry may include verification of your non-exempt property, funds and/or wages, where applicable, as provided by law. '' At the time of letter this collector had not given any right to cure letter or any certified legal statement that showed court granting of them to take this action. Nor did this statement have any language or heading stating " notice of right to cure. '' This violates Iowa Fair Debt Collection Practices Act that states " a debt collector shall not use.. .misleading.. .means to collect a debt... [ including ] or a representation which tends to create a false impression of the character, extent or amount of a debt, or of its status in a legal proceeding. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
Certegy XXXX XXXX has a file of my name and an account with a business that I have been informing them since XX/XX/XXXX that account was under fraud and not mine but still they did nothing to resolve this but hold this account to my name and lowered my credit score each month for an account that is not mine. I contacted them today XXXX they now state I owe XXXX and they are charging me XXXX for check return fee, the account was found to to now be mine from the start, so why have they not removed this account and so I am asking for help on having this removed they have taken from my credit score for over 7 years now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation