vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-01 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
In XXXX I switched banks and used the new banks online bill pay address for toyota financial to pay my auto lease. Unfortunately, toyota was unable to find my payment. It took three months to correct the problem and it resulted in my account being 30 days overdue. I wrote to them in XXXX and they refused to remove the credit notice on my account. Here we are in XXXX and it IS STILL ON MY CREDIT REPORT AND TOYOTA HAS REFUSED TO REMOVE THE PROBLEM ON MY CREDIT REPORT. I spoke with supervisor XXXX XXXX XXXX, and she was steadfast in her refusal help me with this issue. I would greatly appreciate your help in getting toyota financial to remove this blight on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: IN

Complaint narrative:
I signed and executed a modification agreement. During the modification agreement term, my mortgage servicer changed ( XXXX XXXX. to Caliber Mort. The new mortgage servicer ( Caliber Mort. ) took an amount that was to be put on the back end of my mortgage as a current obligation. When I advised of the prior servicers agreement ( XXXX XXXX. ), the new servicer ( Caliber Mort. ) refused to remove the amount as a current obligation and return it to the back end of the mortgage. The new mortgage servicer ( Caliber Mort. ) kept the amount as a current obligation incuring late charges and then sought to foreclose on my property.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I in good faith, purchased via installment loan an Acer E15 laptop from Speedy Cash ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ) on XXXX XXXX, 2015 @ XXXX. 
I realized later that day that I 'd be horribly in debt trying to pay for it. I called Speedy cash the following Monday, XX/XX/2015 and spoke with XXXX and explained everything to her. XXXX misstated she was the manager and that she would call me back. I received no call from XXXX and called Speedy Cash on Friday XX/XX/2015 and XXXX told me her supervisor needed more information and she 'd call me back. I received no call from XXXX and called her on XX/XX/2015 and was told she 'd be in the following day. I called XX/XX/2015 and XXXX advised me she 'd spoken with her Manager ( XXXX ), which was alarming because XXXX had initially told me she was the manager when we first spoke, and had been informed that the laptop could not be returned. 

I called the district manager, XXXX XXXX ; XXXX and explained my situation. She told me that there 's nothing she can do. I asked for corporate 's number and she replied " There 's no way at ANY level that you can resolve this XXXX XXXX XXXX! '' in a very rude and unprofessional manner. 
I 'm at my wits end. I 'm a XXXX XXXX ( XXXX ) and I 'm permanently XXXX on fixed income. I 'm only asking that Speedy Cash let me return the laptop, so I am not forced into debt. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC
State: PA

Complaint narrative:
Phone number XXXX identifying themselves as https : //affiliateas.com/ Called me on XX/XX/XXXX demanding personal information to collect an alleged debt that was paid at the time of service in XX/XX/XXXX. Refused to send me written notice of the debt and demanded date of birth to even discuss any aspect of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I have used Union Bank of California services for almost 20 years. Most of this time and most of the banking I did on-line. This XX/XX/XXXX all of a sudden many functions of their site stopped working. As usual, I wrote to the customer support. They responded with some general assurances but nothing changed. I contacted them again to no avail. After a few exchanges of the kind they stopped answering. So, I went to the branch I usually work with. They could n't figure out what was going on and referred me to their " Customer Advocacy Group. '' OK, a representative of " the group '' found me and after a considerably long conversation over the phone promised to contact IT department ( finally! ). After another few days they called again and informed me that the site for on-line banking was upgraded and from some moment on supports only windows or XXXX operating systems on the client side. I use linux distributions for many years and for good reasons. Linux OS is fast, stable, reliable, and secure. Linux is not susceptible for viruses and other malware. Why the bank feels entitled to discriminate me and force to switch to OS I really hate? Or should I turn back to paper banking? Why do they do this? What is the big idea? I could not get any answer. I suspect it could be something really fishy like a trust with XXXX which is infamous for that kind of deals. 
PS. I do n't mind my name being published. Actually, I prefer to be named.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
I had a line of Credit with XXXX of XXXX, Ohio, XX/XX/XXXX, I was in the process of selling an old company, and was not getting alot of my mail, I was unaware there was a current outstanding amount owed to XXXX, on XXXX/XXXX/XXXX, XXXX XXXX XXXX ( XXXX ) filed suit against me with no notice, the address he used is not a valid address in the City of XXXX, it say 's some one signed for it but was not me and they could not make out the signature, per the court, I was not aware of the issue till I went to get a loan and a Judgement showed up on my XXXX credit files, so on XX/XX/XXXX, I sent a letter to XXXX and followed up with one of the Managers to resolve the matter, the manager understood the issues at hand and stated he would help resolve it, but he found out later that they had sold the account to the Law firm, and his hands was tied, he stated that they forwarded the letter to the Law firm, instead of trying to resolve the matter, XXXX XXXX XXXX, elected to file another lien to the bogus address, now because they where told to stop calling and harassing me, I thought that might be the reason the where not reaching out to resolve the matter, so I sent another letter with the offer to reach out to my counsel, we heard noting, less than 60 days ago, XXXX from there XXXX office ( XXXX ) XXXX at XXXX XXXX stating he was trying to collect this debt, when he told me who he was calling, I stated to him that I sent a stop order to the firm, he stated he did not care and that it was valid, I also told him that service was done to a bogus address, again he stated he did n't care, I told him that he was put his counsel 's law licences in to question he did n't care, I then reached out to XXXX, who want 's to do business with me again to see what they could do, they reconfirmed since they had sold it, they where out of the loop even thought they agreed that if they still had it and I was willing to pay the XXXX amount they would just remove it and clear the item, this firm has hundreds of complaints against them with mutiple states and agencies acrossed the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
Our mortgage loan servicing rights were sold to Caliber Home Loans in XXXX 2014. 

To this day, we have NOT RECEIVED ONE MONTHLY STATEMENT FROM CALIBER. 

We have never received a statement, or any letters, or correspondnce providing us with the loan number of the account, who to contact for questions, monthly payment, amount owed. 

This is a clear violation of CFPB Rules for Servicing of Mortgage Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
Must be some other XXXX XXXX XXXX I would have definitley rememebered staying in a $ XXXX apartment.. must have been a loft.. 

I have sent Resident collect several documents and requested a full removal of this collection and they refuse to send me confirmation or even take my information seriously. 

I have documented several instances where they 've violated the FCRA, FDCPA, and best of all the FACTA.. guess they really feel like their above reproach.. makes me wonder how many people out there are being slighted or ripped off by this company. 

Attached are my id theft documents. I can upload the times, dates, and other docs on resident collect if it would help prove my initiative to make contact. thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: OpenRoad Lending
State: FL

Complaint narrative:
I get repeated calls from Open Road Lending and I do n't have any loan accounts with this agency. Please stop the calls

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My brother XXXX is listed under my reported names. Please advise that every time he applies for a credit, the hard inquery is saved under my credit report. We have different social security numbers. Let me know if more information is needed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I have never used the hospital in question for any medical needs, this is an error. The Hospital listed is XXXX XXXX XXXX Hospital, Someone has billed me for this in error. 
There are XXXX neg reports from this Hospital, however I have never entered this medical facitly

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: CURO Intermediate Holdings
State: KS

Complaint narrative:
I could not get Speedy Cash to stop taking payments out of by bank account using my debit card. I called them, I wrote them. I tried to set up payments. I told my bank to not authorize any more payments. Did n't help. Finally I had to shut down all my accounts at my bank and go to another bank. 
I could not believe it when I when, at my new bank, Speedy Cash withdrew {$100.00}, the next day {$60.00}. 
I have no idea what that amount is for. I 'm disputing the charges Can you help me? 
Do I have any rights? 
So grateful for any help. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2015 my home windows were plastered with Trustee Sale papers for all my neighbors to see. 

I immediately called XXXX XXXX, the " single point of contact person '' assigned at Caliber home loans to find out whatwas going on. When i called she said, that caliber and trustee corps were going to sell my home of 17 years. I told her that this would be a grossviolation of my home-owner bill of rights due to the following:1. I was in an active " Dispute of the alleged Debt '' from XXXX and that I did not owe the alleged amounts that they are alleging. 

2. I have an active " Request/Demand for production of QWR and Debt Validation proof '' 3. I have an active " loan modification '' package on this account if and when Caliber can establish the " alleged amounts that they are claiming as due. 

4. I have not received any mail. email nor phone call with notices of any default or of the upcoming foreclosure sale. 

5. She said that Caliber got this account XXXX and that they took it and they did not have to communicate anything I told her that I have not received any good bye mail nor notice of the previous XXXX nor a hello or notice of Caliber as the foreclosing bank or entity and that she and I spoke in XXXX XXXX and that she was going to mail me information which i never received, never the less I sent them an " official debt dispute '' on XXXX and since then have n't received anything from them. 

Therefore, they should immediately " stop '' the sale of my home. 

As of today, they are changing my single point of cantact, have not given me any information and appear to be pushing to sell my home of 17 years. 

I need your help to stop them from doing so especially, while all of this is being sorted out and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc.
State: OK

Complaint narrative:
Hospital attempting to collect charges beyond those that my insurance company has deemed allowable, based on their contact as a provider. This practice is considered " balance billing '' and is prohibited by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I am currently behind in my mortgage payments with Caliber Home Loans and need help. I have provided all documents they requested to be considered for a loan modification and they are telling me I am in review. They also said I have a foreclosure sale scheduled on XX/XX/2016 and there is no way to tell if it will be postponed. I am reaching out for any assistance you can provide in getting the sale date postponed. Your assistance is greatly appreciated, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ResidentCollect, Inc.
State: TN

Complaint narrative:
I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit
State: AZ

Complaint narrative:
the payment portal is not functioning and customer service refuses to rectify and practices deceptive compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
PayPal Credit simply ignores my claims to refund me on an authorized charge. The charge was made on XX/XX/XXXX and as of XX/XX/XXXX I still can not get my money back from PayPal. I keep wasting time on calling and waiting for a PayPal customer service agent to pay attention to the problem, filing disputes, receiving meaningless emails. But the only reasonable thing - getting my money back - is not happening.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
received notice from collection agency that I owed over XXXX to a credit card from XXXX which I do not have I have never been in a XXXX. This was through XXXX Bank and done of XXXX XXXX. I had just opened an account at XXXX store in XXXX XXXX through XXXX Bank and one month later I receive a letter from Portfolio collection It was sent to XXXX XXXX My name is XXXX XXXX. He or she also had my social number and birthdate. This is not me who did this. My credit is excellent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I owed approximately XXXX dollars, to XXXX which was purchased by XXXX XXXX. I thought selling the debt twice was against the rules. While I was waiting for XXXX to be ok 'd, XXXX 2006 ) the first debt collector ( I do n't remember the name ) started to call me everyday, even on the weekend. I kept telling the person ( XXXX ) that I expected money in about two weeks and told him after several calls that I was going to receive ssd for XXXX and XXXX. He started acting upset and said. oh no! He hung up and called our police dept and told them I had threatened to kill myself. The police called my home and my sister had to verify I was ok. A supervisor called me and tried to set up payment and I told them about XXXX actions. They told me they had fired him for those kind of tactics. I told them I would not pay the debt, instead of suing them, and they stop calling. A year later they had sold the debt to another debt collector Portfolio started to call and harass me for the money, I told them the story of the other collector, and they bought a bad debt. I did not hear from them until recently. Now they are calling me every week day sometimes XXXX a day. They continue to report this debt to credit agencies. The original debt is from 2006, I now receive XXXX and can not pay and feel I have been wronged and harassed. I 'm done. They have not sent any written communication, just keep calling after10 years. hopefully you can give me direction. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-02 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: OH

Complaint narrative:
This collection agency is still showing a judgment against me with XXXX XXXX court in Ohio, many months after this debt has been paid. This has caused serious ongoing impacts to my credit. I paid off the debt as we agreed. I called them and asked them to remove the unpaid judgement from my account and they have refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
My wife 's debt is in collection, but they call me ( husband ). XXXX time they called I asked for a letter of verfication of debt. The person started explaining about how credit will affect buying a car or a house. I insisted on them sending me a verification of debt letter. They have our mailing address, but continue calling me. We have not received anything from them " Portfolio Recovery Associates ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 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:
Couple of month ago I checked my personal credit report and I found out that Portfolio Recovery Associates , LLC aka, " Portfolio '' has reported collection to my credit report. Account # XXXX. This is the first time I found out about collection existence. Immediately - on XXXX XXXX, 2015 I wrote a letter which was sent via US Certified Mail # XXXX XXXX XXXX XXXX XXXX ( you can see the proof of delivery on USPS website ) with Proof Of Service by Mail. I requested : 1. Validation of Debt with all proof copies and 2. I informed Portfolio about how they reported collection to the credit report if they never inform me in writing, but if they did then I requested the copies of these letters. ( Representative from FTC informs me that all collection companies must to inform client in writing 30 days before they report collection activities to my credit reports, this is law ). So, on XXXX XXXX, 2015 they sent me a letter with copy of couple of pages " Bank Statement '' with 1. Not my name on it, 2. Not my Address on it and 3. Not my signature on it. Immediately - on XXXX XXXX, 2015, I sent second letter via Certified Mail with Proof Of Service by Mail # XXXX XXXX XXXX XXXX XXXX back and I inform them that all information that Portfolio sent me is not mine and this is NOT a Validation of Debts. I told them that I believed this is may be the ID theft. One more time I requested a copies of letters with Portfolio sent me 30 days before they filed this collection to the credit bureaus. Couple of month later I still do n't have any more proof from the Portfolio. This company has no legal right to collect one dime. 

Now, I am filing the complaint because of I would like to inform that Portfolio is doing fraud and this company should not be existed. Also I would like to request help from your company. 

THIS COMPANY IS IN VIOLATION OF THE FAIR DEPT COLLECTION PRACTICES ACT BY THE USE OF MISLEADING REPRESENTATIONS AND UNFAIR AND DECEPTIVE PRACTICES IN THE ATTEMPTED COLLECTION OF AN ALLEGED DEBT. THIS COMPANY MUST STOP TO REPORT COLLECTION AND MUST TO DELETE COLLECTION FROM CREDIT BUREAUS AND MUST CLOSE THIS ACCOUNT AND MUST TO RETURN THIS ACCOUNT TO THE ORIGINAL OWNER WITH OUT SELLING OR RE-SELLING. 

All communication must be in writing only. I do n't want to speak with collection who may lie later by adding something that I never pronounced. 

I hereby authorize the release of any financial information from this company to CFPB to assist in this resolution process.

Company response to consumer: Closed with explanation