vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit
State: TN

Complaint narrative:
I have not received a loan statement from VW Credit since the statement with a XXXX XXXX, XXXX due date. On XXXX/XXXX/XXXX, I emailed VW Credit as noted : '' Original Inquiry on XXXX/XXXX/XXXX XXXX XXXX : I did not receive a statement in the mail in XXXX and have not received a statement for XXXX yet. Please verify my statement is being sent to my address of record. Thank You XXXX XXXX ''. I received the following reply on XXXX XXXX, XXXX : '' Response on XXXX/XXXX/XXXX XXXX XXXX : Thank you for choosing Volkswagen Credit. We strive to provide quality customer service to ensure your satisfaction.You have not been sent a monthly statement because you do not have an amount due at this time. Your next payment will be due on XX/XX/XXXX.Any additional funds received on your account will automatically be applied toward your next due date available and the principal balance of your loan. Please be aware that the monthly statement will not generate when the full amount of the invoice has been prepaid. If you would like to have a payment applied to your principal balance only, please contact a Customer Care representative by phone. A Customer Care representative can have the additional money applied towards your principal balance as a one-time transaction and not a repeating transaction. If you would like any additional future payments applied towards your principal, you must contact a Customer Care representative by phone.If we can be of assistance in the future, please do not hesitate to contact us again through My Account or contact our Customer Care department at XXXX XXXX XXXX : XXXX ], Monday - Friday, XXXX to XXXX XXXX XXXX. ". Sincerely, Volkswagen Credit Customer Care '' There is not an option on the VW credit web page or via the toll-free number referenced to obtain balance information. The only option available on the website is Pay-Off option, which of course provides a sum for a limited window of payment in full of the total balance owed. 
There is no supporting documentation for VW 's denial of provision of a monthy statement in my sales contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Here is the deal ... I do n't owe a debt collector as this issue is with XXXX and they have refused to put down the proper information on this, so it makes it look like I have an account in collections which is inaccurate ... You ca n't have a debt in collection, when it was closed due to a bankruptcy ... This is impacting my life and has caused me to be turned down for a loan and a credit card as I am trying to rebuild my credit score ... I have been working hard on getting things in order and this has put up a road block ... It 's being reported to Transunion credit bureau ... I currently have an attorney who is ready to move on this if it does n't change and get reported as " closed '' due to Bankruptcy ... 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
Pay Day Loan was taken out in my name XX/XX/XXXX 2015 from " Speedy Cash ''. I did not request this loan/application.

Company response to consumer: Closed
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: VA

Complaint narrative:
I do n't know what this debt is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
I had to file a bankruptcy back in XXXX because of a lose in my income. In XXXX I was contacted by Portfolio Recovery abut me owing them money. I sent them a certified letter in XXXX telling them I did not owe them a penny and to not contact me any way, shape or form in the future. Well, fast froward to XX/XX/XXXX and I was contacted twice by there office. I received a phone call earlier in The month and about a week ago I was sent a form saying that they decided not to try and collect this 10 year old debt. They listed on the form, XXXX, that this decision was made on XX/XX/XXXX, over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
I was denied a loan modification by Caliber Home Loans. I was told by a HUD affiliate at XXXX XXXX, after reviewing my documents, that my chances of getting a modification were good and there was plenty of room in my existing mortgage for modification ( my APR is 7.12 % ). I feel that I was not provided a fair review because I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pendrick Capital Partners Holding, LLC
State: MD

Complaint narrative:
XXXX company contacted me on be half of Pendrick Partner in regards to XXXX medical debts from XXXX i sent off request for VALIDATION made pursuant to 15 USC XX/XX/XXXXg Sec. 809 ( b ) of the FDCPA. I respectfully requested that there offices provide me with competent evidence that I have any legal obligation to pay and proof this debt was indeed rightfully min. Soon after on XX/XX/XXXX i received notice from XXXX / CURRENT CREDITOR, PENDRICK CAPITAL PARTNERS ; saying that they have investigated my dispute and at the time does not have sufficient information to fully respond so they discontinued collection effort on these XXXX accounts : conformation number XXXX TODAY IS XX/XX/XXXX THESE ACCOUNT ARE STILL ON MY CREDIT REPORTS AS COLLECTION NEGATIVELY REFLECTING. 
BUT PENDRICK CAPITAL PARTNERS HAS SOLD TO ANOTHER COMPANY THESE EXACT SAME DEBT NOW SOLD TO XXXX I HAVE REACHED OUT TO XXXX AND PCP REQUESTING THAT THEY PROVIDE OR DELETE THEY WERE ASKED TO KINDLY WHICH HAS NOT BEEN PROVIDED ITS BEEN 90 DAYS SINCE IVE ASKED VALIDATION made pursuant to 15 USC XX/XX/XXXXg Sec. 809 ( b ) of the FDCPA. 
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. 
THE COMPANY IS CLEARLY RESELLING DEBT THAT HAS BEEN CLOSED TO OTHER COMPANIES

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I work XXXX in XXXX New York XXXX. With the new credit card readers, customers of XXXX Bank and First Niagara often find it confusing to use their bank/ATM card. XXXXFirst Niagara charges a fee to use a bank card as a debit card, but when a customer swipes their card, XXXX options appear, XXXX XXXX and XXXX XXXX. Customers naturally choose the XXXX XXXX option but find that at that point in the transaction, they can not use their cards a credit, and have to use them as a debit card and pay a fee. While many customers reverse course and hit the international XXXX option so the cay pay for their groceries without having to pay the bank a fee, many customers presumably in a hurry or just frustrated and confused, decide not to bother with swiping their card again and just choose to use the card as a debit and pay the bank a fee. Customers who do cancel their transactions and start over complain about this set up and often ask me " Why do I have hit international XXXX just to use credit, I am from the XXXX, that makes no sense ''. They say they have complained to their banks, to no avail, with the banks citing the stores card readers at fault, but they are the only bank 's whose card works like that, and customer have complained about similar experiences happening at other stores. I believe that First Niagara and XXXX intentionally set up their debit cards to work like this, so that they could confuse customers who otherwise would have not entered their pin and avoided the fee. If so they are defrauding consumers and engaging in a manipulative tactic in order to squeeze money out of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: VW Credit
State: MD

Complaint narrative:
I Purchased a NEW XXXX XXXX XXXX XXXX with a sunroof and Navigation. Not only do I have the recall for the XXXX XXXX XXXX with no remedy on my car I have XXXX other life threatening recalls with no remedy. When the other recalls were brought to our attention, I knew I was driving an unsafe car that may kill my family. Volkswagen has admitted to circumventing the emissions control system in the United States since XXXX. With their deceptive and fraudulent business practices Volkswagen knowingly sold me a car that was equipped with the illegal defected devices and locked me into a contract under false pretenses. They also deceptively sold me my New XXXX XXXX XXXX With Navigation and XXXX that I used for a down payment on the New XXXX XXXX. The XXXX XXXX also was affected by the recall for the XXXX XXXX XXXX. I put {$15000.00} down on the XXXX. In addition, Volkswagen carried out a cynical fraud on car-buying, by aggressively marketing the non-compliant diesel engines as the product of environmentally-friendly XXXX advanced technology, " XXXX XXXX ''. Volkswagen has admitted that they knew about the XXXX issue before I even bought my car. They have deceived my family and have put us all in danger with no remedy. 
I have contacted the Volkswagen Court Settlement hot line, Volkswagen Credit , & Volkswagen Customer Care. When calling no one was able to give me any kind of answer. Had no idea how what or when will anything ever be done for any of the recalls. The Volkswagen Court Settlement hot line was quick to tell me about the loan forgiveness program they have in place. When I asked them if it were a true " loan forgiveness '' why am I paying off the loan? VW gets my car, all the money I put into both my cars and a clear and free title & then I have nothing. Not one person knew what to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
My private financial information was stolen and used to open a Mortgage loan with CALIBER HOME LOANS, INC. As a result of this identity theft, the fraudulent loan opened with CALIBER HOME LOANS, INC. is in default and now CALIBER HOME LOANS, INC. is conducting a fraudulent foreclosure to try and take my home. I have never applied for a loan with CALIBER HOME LOANS, INC. nor have a received any money from CALIBER HOME LOANS , INC .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I graduated in XX/XX/XXXX and consolidated my loans with XXXX XXXX. In XX/XX/XXXX I started working for The City of XXXX as a XXXX. In XX/XX/XXXX XXXX XXXX passed a loan forgiveness program for public servants such as Firefighters and Police officers. The program worked if you made 120 consecutive payments without missing one payment, in exchange for the increased risk I face daily at my job serving the public. Once this was passed I spoke with XXXX XXXX to make sure I was on the right track, which they assured me I was. Several years ago XXXX XXXX became Navient and sent me a letter that nothing would change on my end. It is now XX/XX/XXXX and I have not missed a single payment. My bank recently changed and I wanted to follow up with Navient to make sure my payments would not be interrupted, disqualifying my loan forgiveness. They notified me that I have the wrong " type '' of loan and that I would not be eligible. This is wrong and unacceptable. I am writing this to ask for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I leased a car from Toyota with Toyota Financial Services providing the funding. At the end of the lease I turned in the car, confirmed all XXXX payments had been made and was told via their customer service line that, despite the webpage showing another payment was due in one month, I would not be charged as I had complete all of my obligations. However, one month later the payment was taken from my checking account. I called the customer service line again, they agreed to refund the money via a check ( meaning I 'd have to wait a week or more to have my money back ), but that the error was mine not theirs. The customer service representative said that it was my fault this occurred because I did not login to the website and direct them to not take any further payments. The customer service representative told me I should have been provided a prompt when I accessed the webpage, but I did not and the previous customer service representative did not say I needed to perform any such action. In my opinion this is stealing and Toyota Financial Services profits off of people who may not manage their checking account as closely as I do. Once the obligation of the consumer is completed I believe the lender also has an obligation to ensure the consumer is protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I have requested information /validation on this dedt bearing my signature and have not received anything stating that owe this company and money, they have repeatedly respond stating that they investigate and verify the validity of my dedt and do n't even allow me to dispute there claim I have never signed a contract, nor do I owe thme any money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30 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: CA

Complaint narrative:
This is a credit card account from XXXX from 10 years ago or longer. Portfolio Recovery Associates, is somehow renewing the timeline to an earlier date from XX/XX/2012. From a debt long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This debit has been wrote off my credit going on 6 years then out of the blue they contact a family member giving him account information and personal data ... this individual family member has no idea what they are talking about nor is this matter even a concern of his I feel like they have violated my privacy act not to give out any personal info to an outside party ... I believe they have broke the law

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Associates filed a lawsuit in the XXXX County Court of Common Pleas XX/XX/XXXX. The attorney representing Portfolio was XXXX XXXX whose offices are in XXXX South Carolina. They filed a complaint and summons on XXXX/XXXX/XXXX. I filed a timely answer on XXXX/XXXX/XXXX in which I disputed the validation of the debt. On XXXX/XXXX/XXXX Portfolio filed a motion for summary judgment without providing any proof of the Debt, the age of the Debt, the amount of the Debt, the interest rate, and other material information about the Debt. On XXXX/XXXX/XXXX Portfolio Recovery Associates filed another motion for Default judgment and the motion was granted. 

I contacted Portfolio 's attorney who filed the original motion back XX/XX/XXXX. XXXX XXXX offices informed me my file had been transferred back to Portfolio Recovery and I would need to contact them directly. 

I 've attempted on multiple occasions to contact Portfolio about the status of this judgment without success. Each time I am transferred from what they call the litigation department to collections. 

Based on the XXXX XXXX findings of the CFPB this judgment was obtained under fraudulent means. Based on the consent order, this judgment should be vacated and all collection efforts should be ceased, however Portfolio continues refuses to speak with me directly about this matter. 

Judgment # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 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:
Portfolio Recovery Systems Inc., calls on debts they never owned and do not exist. My credit report is clean, I owe nothing to anyone. They keep calling pretty much daily ; from a different number each time. It is beyond annoying! It is XXXX ( now XXXX ) that sells phone numbers to companies. ( not part of this issue, but the way this company gets peoples info. They never called until I got a XXXX phone number, not a coincidence! )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
My father XXXX XXXX XXXX died on XXXX XXXX 2015. I have attached a death certificate. He died at XXXX years of age. My sister and I live in different locations ; we are not in XXXX New York. It was only going through his papers that we discovered that checks had been forged out of his checkbook by XXXX XXXX XXXX, who was a tenant of my father 's. Following that discovery, I went to visit XXXX XXXX on XXXX XXXX to discuss the forgery ; XXXX works at First Niagara Bank. XXXX asked me if a Forgery report had been filed, I said not to my knowledge. He called the Fraud Department of First Niagara and they said nothing could be done, given that a report had not been filed. My sister then found a copy of the filed report and we sent that on to XXXX on XXXX XXXX, 2015. Again, I emphasize that First Niagara Bank never indicated that report had been filed prior to my father 's death. 
XXXX XXXX later requested a copy of the Police Report which we did send to him on XXXX XXXX. XXXX asked me what the XXXX Police Department and DA had decided ; I shared that given his death, they had decided it would be impossible to prosecute but that is entirely separate and unrelated matter to the bank 's investigation. Numerous phone calls to XXXX were unreturned. Numerous emails were ignored. 
Finally, in late XXXX, First Niagara determined that they had no liability for the numerous bad checks that were cashed. In total XXXX forged checks were cashed. My father did not have on-line banking and discovered the fraud in XXXX. 
-I attach his Death Certificate-The Affidavit Filed by XXXX XXXX XXXX-The Police Report-The letter from First Niagara with the " amount of time '' as a reason for not reimbursing. 
Frankly, I am disgusted that a XXXX Bank would not disclose the existence of an Affidavit at our meeting in XXXX. I am further disgusted that when all requests for information were met, and in the circumstance of a death, that First Niagara took this tack. To use an excuse that the DA would not prosecute a case when the injured party has died, is nonsensical. First Niagara staff has not been timely, responsive or honest in their dealings with me and my sister. They obviously hoped we would not find paperwork that had been filed so that they could use that as a reason. 

Thank you for your time. My contact details are ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX. My cell phone is XXXX XXXX XXXX. My home email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 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: CA

Complaint narrative:
Portfolio Recovery has continued to collect a debt that does not belong to me. I have asked for verification of debt a twice with no response. They have also contacted my family members about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 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: MA

Complaint narrative:
On XXXX occasions, the XXXX was on XXXX/XXXX/2015 at XXXX they called me at work. The XXXX time they called I was very clear that they were not allowed to call me at my place of employment and hung up the phone. They do not have my married name and ask for the wrong person. I respond by saying no this is not her, the continue to asked who I am. I respond by asking who they are, they only tell me there name. I have to ask specifically " where are you from '' They do not know my married name. On the XXXX occasion I did tell they that I was being harassed and I was contacting a lawyer and again to never call my place of employment again.

Company response to consumer: Closed with non-monetary relief