vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
Hi, my problem consists in an older case which apparently is the root cause of my credit score is not optimum reflecting my behavior. I found this problem last year when I approached a mortgage broker to qualify for a mortgage. Once he brought up this info ( which is ridiculous as all XXXX totals in {$190.00} and all XXXX were paid in full ). 

California Business Bureau ( CBB ) is the credit collection agency which I have tried calling to remove the XXXX collection reports which they in all XXXX cases told me verbally that if paid within a 30 day time limit it would not enter my credit report. I paid all XXXX incidents immediately upon the notification but apparently they did not keep their work. Every time I called them they reject me. 

I 'm not very familiar with credit score, however my mortgage broker suggested I should try to fix the score before applying for a mortgage as my score would be significantly higher resulting in a more affordable mortgage - and nobody is in debt nor is the balance in question of significance. 

CBB has never notified me about any rights to dispute their filings, hence it was left on my credit report for a while until I found it via the mortgage broker. However I found on the internet someone suggesting to file a dispute with the credit agency. I 'm not sure what to write and who to address, CBB? XXXX? Fico? ... 

As I would really like to be able to afford a permanent home for my kids to be raised in, can you provide me some guidance on how to proceed with this, please?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
Caliber Home Loans entered into short sale negotiations in XX/XX/XXXX ( all the while sending a foreclosure notice for XX/XX/XXXX sale date : 60 days ). We provided documentation as the home sold and entered into a Purchase Agreement on XX/XX/2016. The Realtor, XXXX XXXX uploaded necessary docs requested via the servicer 's portal. XXXX on XX/XX/2016. She experienced issues with the uploads and called Caliber. They notified us on XX/XX/XXXX that they needed this done by Monday XX/XX/XXXX or the " 37 day rule '' would bar them from proceeding and they would go to foreclosure sale and cease short sale processing. I subsequently XXXX the same documents to them. They refuse to deal with us. I called their legal counsel with no return call 10 days ago. This property is in imminent danger of a foreclosure due to their portal issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I entered into a settlement agreement with Citibank on a Sears account ending in XXXX that allowed me to pay them {$4200.00} as payment in full. I was not able to get the loan completed by their payment due date, so I called and asked for an extension and was told that it was fine and I asked if needed another settlement letter and Citibank said no. So the loan went through with my credit union and sent them Certified check marked loan payoff. I thought it was all over until I started receiving calls from XXXX and I told them i paid the account with Citibank, but still went ahead and filed a collection lawsuit against me for the account I settled with Citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
A complete financial package was submitted to Caliber beginning on XXXX/XXXX/XXXX. Caliber has an unreliable facsimile as it has not received several faxes from our office in which we have confirmation of fax delivery beginning with the initial submission. Caliber did not allow the borrower 's legal counsel authorization to speak even though XXXX XXXX of XXXX XXXX XXXX XXXX is the attorney of record in their foreclosure and after repeated attempts of faxing Written Authorization to XXXX. XXXX stated they did not receive our authorization for over a period of a month prior to allowing the borrower 's legal counsel authorization to speak on the borrower 's behalf. After repeatedly faxing the Notice of Representation to Caliber. Caliber insisted they did no receive it on XXXX/XXXX/XXXX per Representative XXXX # XXXX, XXXX/XXXX/XXXX Per representative XXXX ID # XXXX, XXXX/XXXX/XXXX XXXX id # XXXX, XX/XX/XXXX- Closed for XXXX XXXX, XXXX/XXXX/XXXX No authorization was received until XX/XX/XXXX. We have had similar incidences with Caliber not receiving documents faxed on behalf of the client with confirmation ( hereto attached ) in which Caliber states they have never received it and thus closed out the borrower 's request. Caliber 's unreliable fax is being used as an excuse to not review the borrower 's request for a loan modification and there faulty fax is preventing the borrower from being reviewed. Caliber has continued to close the file for incomplete documents but has not provided what documents are needed rather verbally or in writing. The missing documents letter ( Hereto attached ) states the file was incomplete but does not advise the borrower what documents are needed. The file is closed sooner than the 30 days allowed for providing missing documents. The borrower has submitted another complete financial package to caliber and request for caliber to review the financial package the borrower has submitted since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
We are trying to pay off our mortgage loan. When asked for a payoff statement, the amount of principal remaining does not make sense based on our agreed to payments and the loan maturity date. The customer service reps on the phone could n't even look at the payment history that the company sent me by mail. In reviewing the payment history, it appears that some of my mortgage payments were n't applied or were misapplied to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: IN

Complaint narrative:
I am repaying XXXX debt to a law firm. I have made two monthly payments on each. Now another law firm at the sAME ADDRESS WITH THE SAME SIGNATURE AT THE BOTTOM OF THE PAGE IS TRYING TO GET ME TO PAY THESE SAME DEbts with them. Is this leagal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 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: Professional Choice Recovery, Inc.
State: NE

Complaint narrative:
On XXXX XXXX, 2016 I had contacted Professional Choice Recovery and asked to pay my collections debt off in full. At that time I was given the balance. I then gave permission to withdraw the entire balance from my checking account. Since I called on a Friday afternoon, PCR stated they would pull it the next business day. I then confirmed that no other payments would be required and my account would in fact be paid in full. PCR confirmed. On XXXX XXXX, 2016, I had two amounts withdrawn from my account. I was then under the impression my account was in fact paid in full. 

On XXXX XXXX, 2016, I received a call from PCR stating there had been a clerical error and that I still owed another {$230.00} and asked how I would like to pay that. They stated that they ran the payment for {$230.00} less than what they should have and I needed to pay on behalf of their error even though it was confirmed by PCR that my account was paid in full after my XXXX final payment.

Company response to consumer: Closed
Consumer complaint received 2015-07-08 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: FL

Complaint narrative:
is not me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Stellar Recovery, Inc.
State: CA

Complaint narrative:
After reviewing my credit report I found a collections entry from Stellar Recovery Inc. in the amount of {$340.00}. I have made multiple attempts to contact Stellar Recovery to seek verification for the amount and to settle the debt. I have completed their webform requesting information, and I have tried calling their posted telephone number. The webform submission has not yielded a response and the phone number is directed to an extension with a mailbox that will not accept messages. Stellar Recovery has continued to report to 3rd party credit bureaus that the account is in collections, but have made it impossible to settle the debt. This tactic has a detrimental impact on my credit score and must be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Immediate Credit Recovery
State: NY

Complaint narrative:
I had a student loan that went into collection with Immediate Credit Recovery twenty or more years ago. The original loan amount was {$10000.00} and the interest rate 10 %. I set up automatic payments of {$250.00} a month that were deducted twice a month for at least ten of these years. I believe it was XX/XX/XXXX when they disclosed to me they could no longer make automatic deductions, so they began calling me to authorize payment. The original servicer was extremely rude and nasty and I had to speak to a supervisor in order to get someone humane. I also reduced my payments to once monthly, or {$120.00}. In XX/XX/XXXX I asked to settle the account for {$5000.00}. I was told that amount would never be authorized and I needed to make a payment of at least {$6200.00} to reflect 50 % of the remaining balance ( {$12000.00} on a {$10000.00} loan ). 

I called the school directly ( XXXX University ) and after several back and forth conversations between ICR, XXXX and myself the school authorized {$5000.00}. By this time however I had discovered that my payments to ICR had reached nearly {$30000.00} -- three times the amount borrowed. ICR could not explain to me why on-going payments were needed or even a lump sum to pay off the loan. In addition the school agreed that a 10 % interest rate on a student loan was now considered exorbitant ; however the school only communicated with me through ICR, which told me the offer to settle would expire within three business days. 

I called the CFPB three times for advice on whether or not to settle the account but was told there was no representative who could listen to my situation and guide me, and that I could only file a complaint. I did not want the collection agency to make my life any harder so I made the payment. 

After the payment was made, the servicer called to ask me to put in writing that i authorized each and every payment made on the account, which is in fact untrue. This is evidenced by the fact that i immediately cut my monthly payments in half when i was contacted by a live representative in XX/XX/XXXX. 

At this point I decided to make a complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellar Recovery, Inc.
State: IA

Complaint narrative:
I discontinued service with XXXX and they pressured me into holding onto their equipment for no-charge. I told them I 'd consider service again at some point, but I was already under contract with XXXX. They called me constantly about their " deals ''. I repeated numerous times that I would consider their service again once I was out of contract with XXXX and they stated they would n't charge me anything for the equipment. I told them I would immediately send the equipment back if I would be charged any kind of fees. This went on for months without a problem. They assured me that I would n't be charged. Then I started getting miniature charges of {$6.00} here or there. I told them I would send the equipment back and they kept billing me for " maintenance '' fees on the account even though I was no longer under contract for TV service. Apparently there 's a debt of {$21.00} for needing to " service '' my account even though I did n't have TV service with them anymore. I owe them nothing, but they have turned it over to a collection agency called Stellar Recovery Inc .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 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: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
American Collections Enterprise , Inc. has reported fraudulent information to credit bureaus regarding a alleged debt. This debt has been paid in full to the original creditor yet American Collection Enterprise , Inc. continues to report the debt as unpaid to credit bureaus even though they have acknowledged being informed of the debt having been satisfied prior to their most recent reporting to credit bureaus. 

I filed complaints with the XXXX and the Consumer Financial Protection Bureau yet as of XXXX/XXXX/2015 they had yet to remove the incorrect information. In their response to the complaints, they state that they were informed that the debt has been satisfied prior to their most recent reporting. Their response states " XXXX XXXX ' payment was made directly to the original creditor. They reported it to our office on XXXX XXXX, 2015. '' However XXXX listed the account being updated on XXXX XXXX, 2015. 

The debt was then removed from my Credit Report when I checked it as of XXXX/XXXX/2015. However, the false information has been reported again to XXXX. This time, they have reported only the dollar amount and account number, electing to leave their name off of it. This is the XXXX complaint I have had to make regarding their tactics and I have been advised by council that these repeated false reportings constitute harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-11-28 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: GA

Complaint narrative:
I was approached last year (? ) for a debt that was not mine. ( originally XXXX or XXXX, ca n't find the debt collection name or other correspondence ) ) I filed a complaint with you then, and the issue went away. 

A company called Stellar Recovery, XXXX MT XXXX apparently acquired information and then filed that with Experian and they put it on my credit report. That dropped my rating from 826 to 650 or so. They never contacted me before doing this. 
I called them at XXXX. EST, XX/XX/2016 and told them this issue was settled with the prior company and that they need to correct immediately. Further, I am really XXXX that they would report this as an unpaid debt without even contacting me. I told them I will be reporting this to the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
My family share plan with XXXX started XX/XX/XXXX. XXXX lines, XXXX,XXXX,XXXX,XXXX. XXXX lines out of XXXX had expired contract ( no contract binding ) and the other would have expired XX/XX/XXXX. XXXX had offered me free phones with a 2 year contract renewal, but the phones they sent us were not what we expected so I returned it with in the 14 days. We had no service with XXXX as of XX/XX/XXXX. But XXXX decided to charge me for XXXX cancelled contracts for XXXX phones ( XXXX. X XXXX = {$680.00} ) which were returned within the time limit. 
XXXX then had sold the false debt to Pinnacle ( debt collection agency ). I contacted XXXX, spoke to XXXX XXXX and Supervisor XXXX but they said they can not do anything about this because they sold it to Pinnacle collection and I should dispute it with them. Pinnacle said they can not do anything about it and that I should go to XXXX. XXXX SOLD A FALSE DEBT TO PINNACLE TO PUNISH ME BECAUSE I LEFT THEIR COMPANY AND WENT TO THEIR COMPETITOR XXXX on XX/XX/XXXX. Receipt attachedLINE ENDING XXXX CONTRACT ENDED XX/XX/XXXX. Contract was cancelled 4 months before expiration date. Charges should have been prorated. ( XXXX x XXXX = XXXX XXXX XXXX not only sold a incorrect debt to Pinnacle but report and damage my credit for four years plus. If they had sent me a bill for XXXX, I would have paid it immediately. Please stop this cheating company from cheating the average people of our country. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: D&A Services, LLC
State: OH

Complaint narrative:
A debt collection company has called repeatedly leaving messages with family/friends saying that they are calling from D and A Services ( or DNA? ) to collect a debt and information to return the call. I, as well as family/friends, contacted the company and requested that they stop calling. They have not. Also, they do not always state who they are attempting to contact regarding this alleged debt, I believe intentionally, in order to have my family member ( s ) return the call. They have also given out private information such as my name, the amount of the alleged debt, and also ask for my contact information. This has been very annoying, frustrating, embarrassing, not to mention illegal. They are just flat out completely ignoring all requests to stop the calls. I do not know what else to do other than file a complaint and talk to an attorney. It is apparently a useless waste of time to continue requesting that they stop calling so I am hoping that this complaint will help. Thank you for taking the time to read my message and for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Guild Holdings Company
State: UT

Complaint narrative:
I 've contacted Guild mortgage multiple times to address bringing my past due mortgage current. I contacted them on XXXX XXXX two times and had a question regarding unapplied funds and partial payments. In speaking with both agents, when asked about this issue they seemed to be uneducated. When I asked why I would not be able to make partial payments, or use the money which is in my suspense account to make a full payment, I received basic answers like this is just a policy. The second agent I spoke with continued to talk over me, rather than listening to my actual question. I was unable to get any answers as to why I can not make a partial payment to make up a full payment using the money which is in unapplied funds. I wanted to know if this is an FHA loan guideline, or a company policy. Neither agent could sufficiently answer this question. It seems to me that if I have money in unapplied funds, and I have enough to make a full payment using MY MONEY, that is sitting in unapplied funds for that exact reason, I should be able to do that. Neither agent could calmly answer my question, and both became confrontational without listening to me. If this is an FHA guideline, I 'd like to be advised of that. If this is a company guideline, I would have asked to speak with a supervisor who would be able to override this nonsense rule. 

Also, I was on hold for more than 20 minutes before being able to speak with an agent. I understand it is the last day of the month and a lot of people are getting payments in, so I understood that, but feel it is worth mentioning considering I used to work for a loan servicing company and whenever our Average Hold Time ( AHT ) was over 2 minutes there was panic in the office to get on the phones, and opportunities to work overtime. We do n't want people waiting that long!!

Company response to consumer: Closed with explanation