vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: OH

Complaint narrative:
My mortgage is currently serviced by Caliber Home Loans ( CHL ), who took over servicing for XXXX ( XXXX ) on XXXX. XXXX adjusted our escrow account without notification, causing our normal monthly payments to fall short when paid. CHL then proceeded to forcefully lock us out of our home without warning, which is a clear violation of RESPA law. They hired XXXX ( XXXX ) to take this action and advised them not allow re-entry into the property. Then CHL proceeded with foreclosure action and set a sale date of XXXX, ultimately postponing it to XXXX. CHL has recently allowed re-entry in to the property, but during the lock out period the was severely vandalized XXXX see attached. Since the vandalism took place during the lock out period, the liability falls on CHL. CHL refused to take action the repairs and clean up needed, ultimately forcing us to file a personal insurance claim. The vandalism reached extremes when my pool fence was removed, leaving my swimming pool unprotected. This ultimately led to a serious fine from the city. I have sent a QWR and XXXX Demand to CHL, requesting that they prove up the validity of the debt. CHL has refused to respond to this request, stating that they are proceeding with foreclosure activity. Caliber has refused to take any action to remedy the current problems. I feel cheated and deceived by CHL, therefore I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: LMS Services, Inc.
State: TX

Complaint narrative:
A representative named XXXX XXXX stated that I owe XXXX to a company named LMS Solution. I tried to tell the representative that she had to wrong person but she insisted on stating she was going to take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit
State: GA

Complaint narrative:
I leased a car with VW. I never missed a payment and was never late. At the end of the lease I turned the car in in perfect condition and had XXXX balance remaining. I followed all terms of the agreement. VW put on my credit report that the account was closed due to bankruptcy and in default. I do n't know why they refused to remove there error or fraud but it is hurting my credit. VW is knowingly placing incorrect information on my credit and refuses to correct with the intention to harm my credit. VW refuses to explain or send any information. Having this fraud on my credit is going to cause me to pay higher interest on the new home I am buying. Once my loan is complete I plan on pursuing this in court for Financial damages they are causing and violations of my credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
After years of trouble free credit card usage, approximately four months ago Union Bank of California changed its XXXX credit card service from XXXX to a Union Bank based service in XXXX. With every statement since then, I have been charged interest in contradiction of the " grace period '' provision of the account service agreement as the outstanding account balance has been paid on time and in full as it has been set up to autopay from my Union Bank checking account. I have called to complain with each new statement and have had the charge successfully reversed each time and have received assurances that the problem was an oversight and etc. The conversations have been of the " boiler room '' variety with nonsensical and clearly false information being provided to me. The issue seems to me to be that the card provider is trying to catch people who do not carefully look over their credit card statements. A bank employee who I talked to about the issue said that the same thing was happening to him. I hope you can investigate and induce them to correct this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 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: ResidentCollect, Inc.
State: FL

Complaint narrative:
RESIDENTCOLLECT INC claims I broke lease by not providing " Intent to Vacate Notice '' and that I owe 2 months rent. I have document that proves I gave 30-Day Notice with copy of Military Orders. Document was signed by Property Management personnel on XXXX XXXX 2011. After finding out I was in collection, I called property manager and she agreed to remove account from collection which never happened. Collector did not accept my document and became abusive, used profanity and obscene language and threatened me with legal action. I am very frustrated because now the property management company at XXXX XXXX XXXX is no longer a business and the new property management company can not help me out. I feel that the burden of proof is on me and I have provided a document that shows that the property management office received and verified military orders in support of execution of my military clause and RESIDENTCOLLECT INC is undermining that. I feel this collection agency is abusive and is taking advantage of me as a consumer. I feel the document provided should have been sufficient to remove my account from collections immediately. What needs to be asked is what instrument ( s ) are using to claim I owe anything? You will find my document sufficient evidence to refute their baseless claim. They should be held liable as well for their rude and offensive behavior. Please have them provide any and all phone conversations they have had with me so that you can see how they have violated my rights as a consumer. this account needs to be removed from collections immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I applied for a new credit card and was declined. Once I was declined, I checked my credit report and noticed that Comenity/XXXX reported my account as delinquent. I called the number to figure out what was going on with my account ( I did in fact have an account that I thought was current ). Upon calling, I was told that my account had fallen behind and I was unsure of why when everything was set to auto-pay. I came to realize that when I moved and lost my debit card that everything was set to auto-pay with was replaced, the numbers on the card were different and the account began falling behind. My phone number is different that what the account was listed ( from what I was told ) along with my address. My address is currently XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I never received a call or letter showing that my account was behind -- at least to an active address and phone number. Once I spoke with the representative, I was told that if I paid the amount requested, the negative account could and would in fact be removed. 

In speaking to someone from Comenity recently, I was told that is not the case. I then requested & required that they send all communication they had on file to me for my file to my current address so that I could have record of it but got the run around stating that they were unable to do so. I know for a fact that the calls are recorded so there is no reason they could not pull the transcripts pulling my call log from last year when I settled the account and was told it would be removed. I 've also requested any written correspondence before and after the account was settled both showing what I 've owed and their follow up validating my payment, etc. I 've still not received this information and am getting the run around from them every time I call. 

When I called them today, XXXX XXXX, 2017, the automated system says that I still have an outstanding balance of $ XXXX. This should NOT be the case!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 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:
A collection was placed on my account in XX/XX/XXXX from XX/XX/XXXX. When contacted XXXX stated I had a " zero balance '' with them. 
I lived at XXXX XXXX Apartments managed by XXXX XXXX from XXXX. I am going through a federal background check right now for a potential job. A charged from XXXX XXXX appeared on my credit history from XX/XX/XXXX. I called and they stated that I had a zero balance ledger with them and that they would talk to the collections department and remove the charge. This is concerning that a charge was placed on my account without proper notice and when I had a zero balance. I notified XXXX XXXX properties on XX/XX/XXXX and received a ledger with a zero balance. I am still awaiting a reply as to when they will speak to their collections department to remove this fraudulent charge so I can continue with my federal employment background check. I fear that this charge has affected my job prospects in the past. The collections agency is called Resident Collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 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: ResidentCollect, Inc.
State: CA

Complaint narrative:
I never get any letter or staiment about thse bill so I never have a chance to pay balance.becsuse I never know I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
When making a purchase at XXXX, the sales clerk asked if I wanted to join their rewards program and receive 10 % credit towards future purchases. I thought that sounded like a great deal and said yes. When I received a XXXX/Comenity credit card in the mail, I was surprised and angry. Foolishly, I did not read what the clerk put in front of me to sign, trusting that it was simply pro forma Rewards membership. But I was fooled into applying for a credit card I do not need or want.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
COMENITY bank processes payments for XXXX. But they take so long to process payments that then they charge you with a late fee and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX I applied online for a XXXX credit card so that I could finance equipment. I received a letter from Comenity Capital Bank stating that they declined because I am XXXX years of age. XXXXHowever, I am in fact XXXX years of age. The letter of declination that I received did not notify of where they received this information, and when I contacted XXXX by telephone they refused to tell me where they received such information. 
XX/XX/2016 I received a letter from the IRS indicating that someone had fraudulently used my SSN to file fraudulent tax return. I explained this to XXXX and they still would not inform as to where they received the information regarding my date of birth. 
Then 2 weeks ago I made a purchase on the very same XXXX website using a well established Credit Card. After 24 hours I received an email from XXXX canceling my order. They are now refusing to do business with me. I called but was treated rudely by someone in Sales who refused to escalate my call to someone with more authority and more access. He instead did the same as hang up on me when he transferred me against my instruction. The next person opened a case for me stating that someone would be calling me with 24 hours or thereabouts. 
I have not heard from them in over a week. They have fraudulent information regarding my identification, they will not inform as to where they received such information and they are refusing to do business with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
This is our 2nd complaint. We thought we were working with Wells Fargo to resolve this issue when all of a sudden we have been told they were foreclosing on us. Our biggest frustration with Wells Fargo is how long it takes for them to communicate anything. We get them the documentation they ask for the day they ask for it and then weeks later we are told they received it. We know this is not true. They tell us they will call us on a certain date to discuss our situation and then when they call they tell us they are still researching. They delay things for weeks and months at a time until it 's too late to do anything according to them. They are now telling me I do n't make enough money to qualify for my payment ... this is not true. As of XXXX/XXXX/16, my year to date income was {$17000.00} from my job ... .my VA XXXX is another {$490.00} a month ; my liabilities ( besides my house payment ) are only {$730.00} monthly ; my house payment is approximately {$1800.00}. Everything else has been paid off. 
If they would do things in a timely manner, all of this could have been settled months ago. Instead they have now started foreclosures proceedings. We do not want to lose our home. Please help us.

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 2016-09-13 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: WA

Complaint narrative:
Private student loan collector contacted me by phone at my place of business on XXXX/XXXX/2016. I requested they not call there because it causes professional damage and cited the Fair Debt Collection Practices Act. I told them they could contact me via mail. They then contacted me again at my place of business on XXXX/XXXX/2016 and I requested again to not contact me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
I called speedy cash to provide my bankruptcy case number, lawyer 's name and phone number the day after I filed. Speedy cash then proceeds to deduct money out of my account after this information was given. The customer rep I spoke with said she noted it into my account. I called a second time after this happen and a different rep said there was no record of the initial phone call..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 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: Municipal Collections of America Inc.
State: PA

Complaint narrative:
The debt collector contacted my son & daughter-in-law very soon after leaving message on my answering machine. I was already in contact with them, and told them I am contesting the validity of the debt. The debt collector has my current address and telephone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
A woman who calls herself XXXX keeps leaving voicemails on my work phone ( last XXXX digits # XXXX ) stating that she is from XXXX., LPA and attempting to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I entered into agreement with Commenity Bank ( XXXX ) wherein I had equal payments for 4 years. I was a three days late in XX/XX/XXXX. I rectified that and brought the account to current. The next two months I made a little more than the payment due. Today I received a call demanding I bring my account current and make an immediate payment ( acct no longer late ). When I called Commenity Bank, I was told that the card is " a revolving account '' and a " promotional APR account ''. The late fee ( s ) are applied to teh revolving acct first, then the remaining is applied to the other account ( mind you, it 's ONE credit card with ONE item on it ). That put me in a cycle of " catch up '' even though I was making the original, agreed payment amount. They were using money from the payment and applying it to the " late fee '' first, making my payment for the month an insufficient amount. I have never encountered anything like this before and I feel this should be looked into because I 'm sure I 'm not the only one being misled by their credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
I completed a Loan Modification in XXXX XXXX that was due back on XXXX/XXXX/XXXX. I did not receive the documents in time so that they would be received at Caliber by XXXX/XXXX/XXXX so I called and spoke to XXXX and he advised to send the documents back and they would still accept them. On XXXX/XXXX/XXXX I sent the executed documents along with the first modified payment in the amount of {$760.00}. I called on XXXX/XXXX/XXXX to make my XXXX XXXX payment and was told by XXXX that my property was in Foreclosure and the payment could not be accepted. The XXXX payment was accepted and posted to my loan but they claimed to never have received the Modification documents which was sent back with the payment that was posted. I also have the tracking information showing that the documents were received and signed for by XXXX XXXX on XXXX/XXXX/XXXX at XXXX. 
On XXXX/XXXX/XXXX, I received a letter from the Foreclosure attorneys advising that there was a sale date scheduled for XXXX/XXXX/XXXX and I have been calling Caliber everyday since and no one will help me to reach a resolution. Finally, I was told that they were going to send out another set of documents and that they would need to be received back Thursday, XXXX/XXXX/XXXX. I never received any documents and I continued to call and finally Caliber agreed to email the documents to me so I could print them off and return them. I received the documents Thursday at XXXX, and overnighted the documents back to Caliber ( at my expense ). I have confirmation that the documents were received at Caliber on XXXX/XXXX/XXXX at XXXX and signed for by XXXX XXXX XXXX Again I have been calling several times a day and anyone that I have talked to says nothing has been processed and it was too late to stop the Foreclosure sale. I also contacted the Foreclosure attorneys today and they said that they received a message from Caliber stating the documents were received and in the process of being reviewed but only Caliber can stop the sale for tomorrow which they have not.Throughout this process, I was never contacted and advised that the documents were not received or that I was in Foreclosure. If my loan was already in Foreclosure, how was the payment that I sent in XXXX posted to my loan and yet the Foreclosure continued? Why is Caliber not even trying to correct their mistake when I have proof that the documents and payment was received?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Back in XX/XX/XXXX I filed a complaint with this department, ( case # XXXX ). XXXX XXXX XXXX responded and a modification was implemented in a couple of months after two and one half years of stalling. I paid $ XXXX for 3 months and a permanent mortgage was granted. This was nothing resembling the modification that was presented to me, a waste of {$6000.00} or as I see it a SCAM on XXXX 's part. I refused because it would have left my wife and I tied to this house till XXXX. We are in our late XXXX 's and hoping to sell house in XXXX years and move into an apartment. The house was extremely under water at that time as well as now.A few months later XXXX proposed another modification which I started but my mortgage was sold to Caliber Home Loans. with a new loan number. 
Please help I do n't want to go to foreclosure. I currently have not been discharged from chapter XXXX bankruptsy. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Fl. XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
After sending a certified written letter asking for validation of a debt, the company started nuisance calling relatives. Repeated phone calls with no one responding when the phone was answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Caller called from XXXX indicated I owe a debt and they are calling to collect. I do NOT owe any debt other than my mortgage, student loan and credit cards that are ALL current

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
They keep asking for XXXX XXXX that doesnt exist in my household. They call me all the time even on Sundays after letting them know this person does n't live here nor do we know the person and each one will claim to remove my number but still bothers me.

Company response to consumer: Closed with explanation