vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-07 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: GA

Complaint narrative:
Portfolio recovery has recently been involved in a class action lawsuit for using outdated statement of claim in Georgia Magistrate Courts. I was included in this class action suit per Portfolio Recovery sued me for an alleged debt that I disputed and did not owe. They settled this lawsuit to avoid litigation, but continues to report this debt on my credit reports It is listed on my XXXX credit report as an open account with {$850.00} owed, but is showing on my XXXX credit report as still open with only {$600.00} owed. I have not made any payments to this company towards this account per I have disputed it several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: MIDCOUNTRY FINANCIAL CORP
State: TX

Complaint narrative:
There are several issues : ( XXXX ) The creditor has reported Balance and Past Due on the account of {$1600.00} every month since XX/XX/XXXX, but it turns out the actual Balance and Past Due amounts were {$2600.00} as of XX/XX/XXXX 
( XXXX XXXX The account was charged off in about XX/XX/XXXX, but duplicate charge off codes were reported every month ever since. The duplicate charge of status codes are the reason I was denied a student loan on XX/XX/XXXX ( account looks like it is very recently charged off ), and I believe this qualifies as credit report poisoning. 
( XXXX ) I settled the account in full on XX/XX/XXXX. On XX/XX/XXXX I called Pioneer, and they said " And you said you want a paid letter? ", " Okay, I can get it mailed out for you '', and " I 'm going to get it going, you will get it today, okay? '' ( by email ), but I never received the requested Settled-in-Full letter from Pioneer as promised. On XX/XX/XXXX, I have disputed the inaccurate information on my XXXX credit report, and on XX/XX/XXXX, Pioneer has reported all inaccurate information as verified. In particular, on XX/XX/XXXX, Pioneer reported the account as Charged Off ( correct status Settled-in-Full ), Balance Amount {$1600.00} ( old correct balance {$2600.00}, correct balance as of XX/XX/XXXX {$0.00} ), and Amount Past Due {$1600.00} ( old correct amount past due {$2600.00}, correct amount past due as of XX/XX/XXXX {$0.00} ). Thus, Pioneer has explicitly and intentionally provided false information on XX/XX/XXXX in response to my dispute. 
( XXXX ) Furthermore, I believe that the account had been closed when it was charged off in about XX/XX/XXXX, but it continues to be reported as open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FC HoldCo LLC
State: WV

Complaint narrative:
XX/XX/XXXX I purchased a vehicle from a dealer. they financed the car through flagship credit, I mad my payments ok for awhile, even though it was a struggle.i told the dealer what I could afford, but payments were higher. in XX/XX/XXXX my husband had a XXXX, about 6 months later we were told that he had XXXX, through all of this I have been receiving harassing phone calls, even after I make arraignments to make a payment. recently I was XXXX short on a payment. 
was told by the representative that it did n't count as a payment. told them when I coluld pay more, after that I kept receiving phone calls harassing me about the past due payments.i get numerous call every day. they wont even give me someone to talk to to discuss refinancing to make payment smaller. my husband is also XXXX, it is to much to deal with, but we do n't have money for another vehicle, I am so stressed all the time about the bills and possibly losing my car

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 2015-05-12 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: NY

Complaint narrative:
I have been continuously receiving notices from Porfolio Recovery Services for the last 8-10 years about a {$19000.00} debt from XXXX XXXX Bank. This is my XXXX complaint in this time frame about this company. They have never provided me with proof of this debt, it was past the statute of limitations when they started harrassing me. I have found numerous complaints on the internet about the same company for similar amount and similar stories. I want them to stop sending me notices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: MO

Complaint narrative:
Since XXXX of XXXX my loan has been transferred to Caliber Home loans. The first month after acquiring my loan Caliber attempted to change my monthly payment. In XXXX of XXXX Caliber sent me a refund check stating that I had overpaid. Soon after that I noticed that they were escrowing my taxes and insurance. Since my retirement I have been paying my own real estate taxes. The insurance has gone through my previous mortgage company but I would rather get my own insurance. All of this was being done despite the fact that my previous lender sent out a letter stating that the terms and agreements in loan would not be changed. Each and every month I sent my mortgage payments to the post office box listed for Caliber and the payments were received on time per my postal delivery confirmation printout. The payment for XXXX XXXX was never sent to my bank. I mailed that payment to Caliber, the same address that I had always used before, on XXXX XXXX by priority mail. I finally received the check back around XXXX XXXX from a different mortgage company that was also in Texas, undoubtedly XXXX that they know. Caliber has charged me about {$420.00} in late fees for XXXX. I know for a fact that it is not possible because I have always sent my payments with delivery confirmation that shows the date in which Caliber received my payment. I believe that this company is attempting to manufacture a default. The late charge is {$25.00} and even if I were late every single month, the most the late charge could be is {$300.00}. This company is now claiming that I owe them over {$9000.00} in fees and payments. I am retired and have always made my mortgage payment every single month. They are trying to steal my property. My XXXX payment was received at their address on XXXX/XXXX/XXXX but the check was n't processed at my bank until XXXX/XXXX/XXXX. They have just sent me a right to cure default letter threatening foreclosure in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit
State: NJ

Complaint narrative:
Audi/VW Financial has stopped sending monthly statements in XXXX 2016 for the following reason : " You have made payments greater than actual due and we are using a third party company to issue statements. Since you 'do n't owe ' money we ca n't send you a statement. '' As a consumer, I am entitled to know 1 ) if they actually got my payment and 2 ) my current balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
This debt was not discharged in bankruptcy but this was the only option above that was close to choose from. The XXXX refuses to remove the adverse reports from my credit file which is causing a negative impact on my credit scores despite several XXXX balances. The information is from medical billing that was caused by a current malpractice case. I am suing the Dr. for a procedure that was unnecessary. 
I have paid the debts ( and yes they were late ) and explained the circumstance which caused them, but when speaking with the supervisor XXXX from the agency, who BTW I asked for because the representative before him was rude and argumentative, insist XXXX that XXXX is not enough to remove it although it is XXXX of several reasons he gave for cause from his agency to do just that, and that the information on the collections was given to the agency late, not initially when the debts came in and that it accurately reflects who I am and the situation ( which it does n't fully ) I tried explaining that in my several disputes through XXXX, Equifax and XXXX ( who by the way REMOVED this from my XXXX to them ) I used the word litigation-he said that this was not XXXX for which I disagreed. 
I just want them to understand why the negative information is on there in the XXXX place and kindly remove it. since it should not have made it there to begin with. Not all but some of the representatives were rude and threatening that I have spoken with. This is so layered with incomplete notes from communication on their part and I feel helpless with a resolution. This company 's arrogance is not OK and should be investigated thoroughly which is where I think that you can help please. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I had a loan with Speedy Cash and I paid it off in full on XXXX XXXX, 2015. The funds were always available in my account on the day of withdrawal. After the loan was paid off they then stated I owed a late fee of {$88.00} because my payments were not on time. Their system did not take the payments on time, the funds were always there. I called them and they said that it was going to go to the accounting department and they would get back to me. They did not get back to me but instead tried to deduct the funds from my account. At that point there were no funds in the account and I was charged an NSF of {$29.00} due to this. I called them again today and they stated that I owe it due to payments being late. I asked them how it was my fault their system did not take the payment on the due date? I was informed that I had to pay this late fee regardless. I told them I was not going to pay it and they were no longer authorized access to my account. I am sure tomorrow they will try again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
CALIBER LOANS have done everything against my wife and I on our mortgage loan with them. I paid them faithfully on XXXX of each month and never missed a payment. I sent them bank statements and supervisor letters from XXXX WHO TRANSFERED ME TO CALIBER. the beneficial letter was proof to CALIBER that I had not missed any payments with XXXX.now CALIBER IS GIVING WRONG INFO TO XXXX my current motgGE CO. AND THEY ARE HARRASSING ME FOR MORE MONEY SINCE caliber DECIDED TO CHANGE THE AMOUNT I OWED TO XXXX. MORE DOLLARS .please I am begging you help my wife and I with these predator companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
This debt was never proved to belong to me, in fact, I believe this debt belonged to my father ( who passed away in XXXX ). I grew up at the address of my parents and we have similar first names, is how I believe the mix up occurred. I still receive mail referring to my military background ( never served ) and to they refer to my elder age ( XXXX - my father 's age ) due to this mix-up. 
Sometime in XXXX, Weltman , Weinberg & Reis began to contact me. I told them over and over again that the debt did not belong to me and they would need to send proof. They would never send any proof of the debt - which I wanted to be the information from the credit card company, not the line item of the debt purchase. It needed to show my name and not my father 's name - because the debt purchase had the incorrect information. I repeatedly told them they needed to provide proof the debt belonged to me or to stop contacting me. At some point they filed a court claim and said they served me at my XXXX address ( I had moved ). They then claimed to have served me at my new temporary address but I had moved again. They proceeded to go to court and because I was not notified, they won the judgement against me. They attempted to garnish my XXXX income tax. In XXXX they garnished my wages. In the span of two months they took {$1400.00}. I wrote them in XXXX XXXX after the garnishment. I reminded them again that the debt was n't mine. Even though they were paid I requested the following proof : Name and address of the person on the original account including date account was opened and last payment date. 
Debt ownership - their proof of owning the account with assigned history. 
Copies of all summons and complaints to show date and proof of addresses served. 
Finally, and most important, since the debt - valid or not - had been paid : an acknowledgment of satisfaction of judgment. 
As they acted in the past, they never responded. 
In XXXX, when applying for a mortgage I was turned down because this debt was still showing on all my credit reports and OPEN AND UNPAID. They cost me the ability to obtain a mortgage as the mortgage company would not take and explanation or check stubs as proof. I also found out at this time they put the debt on my son 's credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My issue is XXXX XXXX. My issue is that there is always something with this card. It 's either the payment has n't had enough time to go through, or they have received too many payments, or the account does n't have enough history on it. This card is the only card that I have issues with that Commenity Bank backs. I have XXXX additional cards so far backed by Commenity Bank and I have never had an issue with any of those cards ever. I have never had a return payment, I make my payments on time if not XXXX weeks early. Not to mention that I just paid down XXXX of those cards below XXXX % utilization. I have never had a return payment, nsf payment, or any of that. Yet, XXXX XXXX can not seem to get it together. I was in Target today. I was trying to make a XXXX purchase and it was declined. The reasons that I received were payments had n't cleared, even though I received an email stating that the payments had been processed. I was told that I did n't have access to any credit limit at all. XXXX would n't you know, I did a small purchase through XXXX XXXX and it went through. I dislike being lied to. I dislike receiving subpar service. I dislike a company that takes advantage of me, my service, and my money. Not to mention the supervisor XXXX that I spoke that had a XXXX poor attitude all together. I have submitted a complaint before regarding this issue and promised that it would n't happen again and well it has. I will be receiving my XXXX XXXX card sometime next week. Once I receive that I will be doing a balance transfer to my XXXX XXXX card and closing my account permanently. I deserve to be treated with respect as a consumer and a customer. I do n't appreciate being lied to when I know that there is credit available on my account. I dislike it. I will be telling all my family and friends to cancel their cards and go elsewhere. I will be filing a complaint on the BBB website so that everyone can see the treatment of good customers. I dislike a decline on my account being labeled as check kiting. That is a term that is illegal check writing. I work in XXXX XXXX. I know exactly what that means. I do n't appreciate that being applied to my account when I am a model customer. I also dislike when the truth is being told to me after I let them know that a purchase was able to be made. I am not happy with XXXX XXXX at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit
State: FL

Complaint narrative:
Volkswagen scammed me with a diesel Wagon. I 'm sure you know the story. But then ... they purposely weighted the 'amount owed ' to them ( *because our LOAN was through VW Credit ) so that they would get a higher payoff than was due to them to offset their losses from the settlement payout. After they defrauded me, they then continued their scammy/spammy behavior with 'creative accounting. ' Because this happened when my loan was only about a year old, they counted very little of the approx {$8000.00} I 'd made in payments to PRINCIPAL ( *applied less than {$2000.00} ). So, in the end, although they 're paying a 'settlement ' it 's not like they 're actually taking any 'losses. '

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
While searching for a loan to help my wife cover expenses for a new job I applied with LoanMe, who offered to loan the money to me. When I was contacted by telephone initially I was not ready to make a decision without giving it more thought. The company immediately began to call me multiple times a day for the next few days to convince me to take the loan. 

When I began to acquiesce to their pressure my wife was still concerned about how the interest was computed and was told simply that it would be best to pay it off early. No one mentioned while on the phone that this loan was a XXXX. 

I decided to borrow the money from them and set up automatic payments and when I decided to stop this method of payment I was once again harassed constantly by phone to continue with automatic payments. I had to fax my wishes to the company in order to make them officially accepted by LoanMe. Even then I was pressured to reestablish automatic payments with whomever I spoke on the phone from that time on. 

Over the past few months I made most of my payments on time, paying off two-thirds of the principal. The practice of calling me constantly, whether payments have been timely or not, has never abated. The company uses multiple locations and phone numbers in an effort to disguise themselves but I learned to recognize these sources and ignore the calls. 

I was infuriated to discover when I went online to check my account that I owe much more than what I have paid so far. I checked LoanMe 's website and discovered that I had made a XXXX. This term was never used by anyone from the company in my initial phone consultations or any calls that followed ; to myself or my wife. 

Now, for some reason, I am unable to access my account online with the sign in information I have used many times before. I can only assume that LoanMe has locked me out because of recent late payments. 

I wrote a letter to the company to explain to the how I felt about their predatory practices and offered to pay what I owe on the principal. They responded by letter with the details of my contract but no mention of my complaint or of my offer. They later sent a second letter offering to settle for almost double on my offer. I did not respond. 

I do not question my responsibility to pay back what I borrowed. I do question the character of the company and the method in which they pursue and catch their customers in order to make inflated profits on their financial products. I certainly feel like prey. 

I appreciate all of your efforts to help resolve the issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 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:
This Weltman Weinberg & Reis Co LPA ( collection agency ) keeps calling my employer work. This is happening every morning from number XXXX. Please stop harassing me at work. I do n't owe anything.. If I do please mail me information pertaining to these unsolicited calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2017, while checking my banking activity, I noticed that there had been a double payment made to my credit card with Comenity Capital Bank for {$3000.00}. I immediately called the Banks customer service and spoke to a person named XXXX asking that the over payment be transferred back into my account. I furnished her all my routing and account information and she said that it would take 7-10 days to complete the transaction. 

On XXXX XXXX, I called to check on the progress and was told by XXXX that the transfer was in process and sho0uld be in my account either that day or the next. 

On XXXX XXXX, I spoke to XXXX at customer service an was told that the refund would be processed after any outstanding balance on the current months bill was subtracted but since the amount was over {$500.00} their policy was to take up to 21 days to be processed. I asked to be transferred to a Supervisor. I then spoke to XXXX XXXX Badge # XXXX XXXX, who told me that Their policy was to hold refunds over {$1000.00} for up to 21 days. She stated that the refund would be processed and a check sent after the wait period. 

On XXXX XXXX, I received a letter from Comenity that I would not receive any refund since my balance on XXXX XXXX exceeded the amount of payment as of XXXX XXXX. Payment to Comenity for the initial was posted as paid on XXXX XXXX and the second over payment on XXXX XXXX, so this statement does n't make sense. Even today, I show a credit of over {$1400.00} on my account. They had already deducted the outstanding balance from the over payment, even though the bill for XXXX has just been sent out. 

Not only is this policy unreasonable but I do n't see how it is legal. I was lied to multiple times by various people and still have no idea how much or when I will receive any part of my over payment. I understand that the original error was mine, but do n't feel it excuses their response or very unfair procedure for handling over payments. Since I received this card through my XXXX membership, I plan to cancel the card and revert to the membership without a credit card. These people could take a lesson from XXXX, who knows how to handle customer service.

Company response to consumer: Closed with monetary relief