vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
My mortgage loan of my house was sold to Caliber home loans and I have a sale date on XXXX XXXX, 2016. I am not being given a change to get any of the work out options to keep my family home. When I called I was told that I have a person who handles my account. Left few voice mails but no call back. I want to modify my loan but I am being told that there is not enough time to review for modification and sale date will not be postponed by customer service representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
We were late with XXXX payment and Speedy Cash hit our bank account for XXXX without notifying us. This caused major problems with our bank account. XXXX of our credit card account payments bounced and created a bad mark on our credit and we were in the process of qualifying for a house. That made us not qualify for the house and we are having to start over. Also we found out that Speedy Cash sold our phone number to other loan places and we were getting many calls from other loan companies. We had to change our phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I need assistance with two issues. In XXXX 2016, while in Chapter XXXX Bankruptcy. I signed an agreement with Caliber Home Loans to do a 3 month trial loan modification. As of XXXX XXXX, 2016, I 've been in a 90 trial loan modification and keep receiving calls and literature from real estate agents because my home appears to still be listed in Foreclosure status. 

Also, my mortgage was FHA Fixed. Somewhere over the past few years itt was switched to a Conventional. But I 'm not sure if it 's fixed or adjustable?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
We recently purchased a condo in XXXX XXXX, CA. Our lender : Caliber Home loans. Mortgage payment were set up as a direct deduction from my bank account. Since we travel extensively, I returned to the condo on XXXX XXXX and found several delinquency notices presumably to me from a company called XXXX. They bore an incorrect middle initial. We were never informed by XXXX or XXXX of any changes to our loan. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 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: ResidentCollect, Inc.
State: TX

Complaint narrative:
I gave a 60 day notice for me to move out for XXXX 2015. I have lived in this apartment for over a year. There was MULTIPLE problems with the apartment. there was live mold in the a/c unit in the bathroom. The location was above the sink in the bathroom. I have pictures while I was living there and moved out as the rust and mold grew from the leaking a/c. The kitchen was infested with roaches. I gave back the keys. The report of the charges that are in collections is not clear. Very BLURY TO READ. I requested a copy 3 times and only received XXXX copy that is blurry. I called there collections agency and it is fraud. One XXXX man answers the phone and does not explain charges only ask to money. I called XX/XX/XXXX 3 times the same person. ITs fraud.

Company response to consumer: Closed
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PlusFour, Inc
State: NV

Complaint narrative:
This bill should have been paid by the state of Nevada. I was XXXX at XXXX XXXX XXXX XXXX and XXXX Nevada XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. Therefore I Was a XXXX and not responsible my medical services. Not only that, I am a XXXX veteran and all medical bills are covered by the Veterans Administration. I was never notified of this dispute until seeing this last week on my credit report.

Company response to consumer: Closed
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
Caliber Home Loans included an invalid XXXX tax ( XXXX ) into my XXXX/XXXX/XXXX escrow analysis. This tax was not included in my XXXX analysis by XXXX. My mortgage was sold to Caliber by XXXX in late XXXX. According to Caliber this added tax caused an increase in my yearly escrow payment from XXXX XXXX X XXXX XXXX XXXX to XXXX XXXX X XXXX XXXX to XXXX. This is a yearly increase of XXXX. I ca n't believe that adding in this bogus amount of XXXX caused an increase in my escrow of XXXX plus I would have a carryover balance of XXXX. So now the total increase is XXXX, XXXX My monthly mortgage payment will increase from XXXX a month to XXXX per month. In my opinion this is borderline fraud. I have talked to XXXX Caliber representatives and I was told that it would take from XXXX to 30 business days to remove the XXXX. No one could tell me why my escrow had incurred such a huge increase. My monthly escrow should have remained at XXXX, since there was no increase in my XXXX taxes and insurance. As of XXXX XXXX, XXXX my mortgage statement shows an escrow balance of XXXX, with a XXXX escrow payment of XXXX to be collected and a tax payment of XXXX to be disbursed, also in late XXXX. This should leave a balance of a plus XXXX going into my new XXXX escrow year. During the XXXX XXXX - XXXX escrow year, my escrow account did not reach a minus balance. And this company is increasing my monthly escrow payment from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 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: Alorica Inc.
State: TN

Complaint narrative:
After checking my credit report, I found a bill from XXXX. When I reached out to them they told me that the line was active for at least a month, but I 've never used XXXX. I 've had services with XXXX XXXX XXXX for 11 years on my mothers plan. There is no need for me to get another phone. I 'm uncertain where these charges came from, but I have never has a phone with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
BAD BUSINESS PRACTICE. Short billing cycle. Statement arrives late. No grace period. No balance ratio to fees. Assessed a {$29.00} fee, on a {$55.00} dollar balance, that was paid in full 5 days after due. Forty minutes on hold. Told no, no, no. Policy is to remove one fee in 18 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CURO Intermediate Holdings
State: OK

Complaint narrative:
I had applied for a payday loan with speedy cash in XXXX. This loan was not paid back on time, so the lender turned it over to a third party collector. XXXX had several lenders that was trying to collect funds on behalf of other lenders I had payday loans with. Loan shop, XXXX ect ...., but I was told that all these lenders were paid on XXXX XXXX XXXX. Speedy cash is still reporting my account delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
I received an invitation to apply for the Gander Mountain Mastercard provided by Comenity bank. Upon submitting the require information I received an email stating " Congratulations! 
Dear XXXX, You 're approved! Now you 're ready to enjoy all the benefits and advantages that come with your new Gander Mountain Mastercard ( R ). '' I then received the following day an email stating Welcome to Gander Mountain credit card program which is the store card without the co-branding of Mastercard and not what I was approved for. On XX/XX/XXXX after receiving the second email I called the number for the Gander Mountain Master XXXX and spoke with a representative at XXXX for XXXX minutes XXXX seconds, who spoke with his supervisor stating they would be sending the Mastercard XXXX I specifically asked if I should receive the store card that I should cut it up as the Mastercard was being issued. The representative confirmed this. On XX/XX/XXXX I called The same number as I had received the store card and was inquiring about when might receive the Mastercard. I called at XXXX and spent 99 minutes on the phone being passed around to different people and each person I stated I can email or fax you a copy of the approval email sent by your company, no one gave me any such contact information. At the 55 minute mark I was transferred to a senior account specialist whom I discuss the entirety of prior conversations and my request that they honor the Mastercard approval and send me the card I was approved for. Again it was stated I was n't approved for the Matercard and again I was not given any contact information to either fax or email my approval letter. Today I found a number for customer relation fro Comenity bank XXXX and called at XXXX for 15 minutes and was yet again told they would not provide the card I was approved for but did give me a fax number XXXX XXXX I sent a letter of explanation and desired outcome of which I will include in this complaint. My desired outcome is that Comenity Bank provides the product, specifically the Gander Mountain Mastercard, as it was communicated to me by their company in the approval email containing specific detail of credit limit and APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc.
State: LA

Complaint narrative:
Nothing, no information about the debt was conveyed to me over the phone call by the alleged collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 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: LA

Complaint narrative:
I recently pulled my credit file and I realized Speedy Cash was listed on my credit report from a collection that was placed in XXXX 2009 for {$270.00} I contacted the representative and I stated I do n't recall a having a pay day loan from speedy cash and that I am a victim of theft. The representative insisted on saying I was still responsible for the account. I received threatening phone calls from a representative stating I had to pay the account within 30 days are legal action will take place on my personal property.

Company response to consumer: Closed
Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Prospect Mortgage, LLC
State: CO

Complaint narrative:
This loan was a disaster from start to finish. The goal was to refinance in order to lower the rate on my first mortgage and increase the line on my HELOC. I made this very clear from the start of the process. 

The process was started on XXXX XXXX, 2015 with a closing date near the end of XXXX. The first thing to go wrong was that the closing date was repeatedly pushed back until XXXX XXXX, 2015. The delay in closing cost me roughly {$150.00}, which is the decrease in the payment which would have occurred in XXXX but since we closed late, wo n't occur until XXXX. 

After closing the loan funded several days late resulting in an additional {$190.00} in interest and fees paid on the original mortgages as well as a late payment on my HELOC. A revised HUD was drawn up and executed without my knowledge or consent, and the HUD that I had signed was disregarded. I 'm not sure of the legality of this maneuver, but it is definitely not good practice. 

Throughout the loan process, I was assured by the loan officer that if I refinanced my second mortgage, I would be able to increase the line on the HELOC with little to no fees if I refinanced the second as opposed to subordinating it. The cost of refinancing the second mortgage was XXXX. Once we closed, I was told that the fees to increase my HELOC would be {$1000.00} to XXXX. The only other option that was presented to me was to transfer my HELOC from XXXX to XXXX XXXX XXXX XXXX. I was not told what the fees would be on this, but the terms would increase my monthly payment by over 150 % from about {$200.00} a month to over XXXX. 

When it was all said and done, this refinance cost approximately {$960.00} more than it should have and did not accomplish half of what it should have. In order to accomplish all of the necessary goals, the loan will cost {$2400.00} more than it should have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alorica Inc.
State: TX

Complaint narrative:
On or before XX/XX/2016, Global Receivables Solutions , Inc. called my estranged father-in-law regarding my medical debt. The company gave him the amount of the debt and where the debt originated. He now knows about my hospitalization and this is not a person I want knowing anything about us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 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: NC

Complaint narrative:
I have requested full documentation for this account ( per the FCRA and TILA ) and have never received it. Yet they continue to report this. It 's causing me a lot of hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 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: CA

Complaint narrative:
This was paid off long ago. I paid it over the phone and did not receive any confirmation. It is still showing on my credit as being owed and I still get phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Back in 2005 I was given an XXXX credit card. The total amount available on the card was about {$500.00}, if I 'm not mistaken. Anyway ... after the housing market crash I had been paying my credit card bills on time but evidently the bank decided to close out my account and left me hanging there with about five hundred owed. For years I would get calls from collection companies trying to settle the debt. It never got paid and now I 'm XXXX years old, no job and only have social security as my income. I have no property, no big bank accounts and nothing anyone can slap a lien on. Portfolio has been the main company trying to collect from me for many years now. About two years ago I told them just what I told you folks about my financial situation. They refused to stop contacting me. For many years they have called me almost every single day and sometimes twice a day to the point that I just do n't answer their phone calls any more. At this point I want them to stop contacting me. Enough is enough. Can anyone from CFPB report these folks and their unfair business practices?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I was contacted by a law office in XX/XX/XXXX/XX/XX/XXXX alleging they were hired by Portfolio Recovery associates to collect a debt they alleged that I owed. I had a lengthy conversation with one of their reps on the phone, whom I actually filed a complaint on, because he threatened me with action he was not able to perform. After getting off the phone with him, I sent a verification of debt request, as awarded to me in my rights. After 3 weeks, I finally received a statement, which showed I owed " Portfolio Recovery Associates '' the money. I have never borrowed money from PRA, therefore they did not send the required and correct documentation. 

A few days later, I spoke with a call center manager within Portfolio Recovery Associates. She thoroughly apologized to me regarding the law office in Louisiana contacting me, and assured that she would have the account pulled from their office so that I would not be contacted by them anymore. She called me in reference to the complaint I submitted to the CFPB. I received a letter in the mail from PRA almost a month later, advising me of a debt I allegedly owed. It was as if the debt was new and they were just getting it back from the law office. 

I mailed them a letter advising that I requested a proof of debt letter from them, and the law office previously and that I had not received anything. Their response to that was to send me another statement, same as the last one, that had their letter head on it, with no mention of who they alleged I owed the debt to. 

I mailed them a response letter back, notifying them that I had never taken money from them, as they were the only company listed on the statement, and they had failed to provide proof of debt. I advised them that per my rights and the FDCPA, they were to immediately remove their reporting from my credit report. 

This all happened well over a year ago. 

I have received no contact from them since that point. I am in the process of selling my home and relocating due to my work. When my relocation company pulled my credit to get me a new mortgage for the new city I will be in, they advised me that PRA was still reflecting on my credit. 

This is extremely negligent business practices and they have no regard for the reporting on consumers credit that they are practicing. In the past, in dealing with them, they have been extremely vindictive and refuse to follow the policies and procedures put forth for collection agencies and I would like this handled. 

I now fear that they will attempt to sue me for these funds, although they have never provided proof of debt to me ( as required ), in response to my complaint I am submitting to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 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: CA

Complaint narrative:
Continuous phone calls sometimes XXXX XXXX XXXX daily 7 days a week. From various numbers. Have never sent Paperwork or documentation. Which should have been sent within 5 days of first call. This has been non stop harassment for months. Calling XXXX which is home phone. We only use this phone to track calls. And save call history. I use my cell phone for all calls. Due to harassment such as this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16 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: IN

Complaint narrative:
They called to inform me that an account of mine had been turned over to them. I was unaware of that being done and when I asked for a letter confirming it they said XXXX was sent out in early XXXX. I never received it. They have contacted me XXXX since then and both times I asked for written verification before agreeing to make payment arrangements. Both times they pretty much refused and the XXXX time I was referred to their website to sign in and see it online but I was unable to login at all after trying several times. The last time I was contacted I told them that until I received written verification I would not make payment arrangements, told them it was my right to do so and they were rude saying things like, " How do we know you will get the letter if you have n't gotten the last XXXX? '' assuming that I was lying about not receiving the first communication. No matter how many times I stated my right they still kept trying to get me to setup payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Getting called by XXXX after XXXX. A google search determines this is a well known debt collection company. 

I do not answer calls from numbers I do not know. They did not leave a message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Over XXXX phone calls in last appox 120 days. I advised them when returning phone calls of bankruptcy ( XXXX 2014 ) discharge. Supervisor said i was crazy and I initiated all phone calls.I have ignored the calls, but i am getting calls now early a.m on weekends. They also read me my attorney 's name address and number without my providing it, so they know of my discharge info without me giving them details. Portfolio Recovery

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have repeatedly requested that PORTFOLIO RECOVERY ASSOCIATES provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation