vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-25 00:00:00
Product: Other financial service — Credit repair
Issue: Unexpected/Other fees — 
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Got a bill on an account I never knew I had for {$130.00} from PAYPAL CREDIT. Used it 4 years ago and was never informed before using it online with XXXX that would be additional charges. Used it a few times and never got any info from them until now!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
I have an old complaint number of XXXX submitted XXXX/XXXX/XXXX and I have a new complaint number of XXXX filed XX/XX/XXXX. " THIS IS PART OF THE DISPUTE " On or around XXXX/XXXX/XXXX received package of information via XXXX. However the only newly requested document in the package was a Certificate of Incumbency for XXXX XXXX. The other names in a Request for Information letter sent dated XXXX/XXXX/XXXX, a Certificated of Incumbency / Corporate Resolution Authorizations / Power of Attorney for court case # XXXX in the County of XXXX N.C. was not sent. Also, XXXX XXXX was not an Employee or Rep. for XXXX XXXX XXXX of North Carolina or XXXX XXXX XXXX at the time of this transfer and Assignment Of Deed of Trust on XX/XX/XXXX ( see enclosed ). At that time according to Resolution Of The Board Of Directors Of Vericrest Financial , Inc. A/K/A Caliber Homes Loans, Inc. XXXX XXXX XXXX was an employee of XXXX. XXXX XXXX ( see enclosed ). Therefore XXXX XXXX XXXX was still not an employee or rep. of XXXX or XXXX, So as a consumer I am still trying to understand how this transfer on new assignment of deed of trust was done " Legally ", ( see enclosed ). I have also enclosed a copy of what I am not sure that my name and address appears on, this is the only other document that was sent by Caliber that might could be an Cert. of Incumbency ( see enclosed ). At this time I am also enclosing lawsuit that I have removed myself from but still remain in the settlement class ( see enclosed ). I have also enclosed a copy of first QWR dated XXXX/XXXX/XXXX the last page. At this Point I as the consumer really would like to see how all of these transfers and filing of documents was done legally but at this time there seem to be a missing link??? Maybe If we can get the transfer paperwork referred to in your last letter dated XXXX/XXXX/XXXX in the " Previous Correspondence '' section page XXXX, which states that " My Loan Was Transferred From XXXX XXXX , XXXX to XXXX Master Participation Trust and then from the Trust to XXXX XXXX, XXXX. as Trustee for XXXX ( see enclosed ). I am also enclosing a letter from XXXX XXXX giving Caliber Homes the Authority to dispose of these matters as it concerns XXXX XXXX XXXX , XXXX, NC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: AL

Complaint narrative:
I sent request for information, about payment reversal, without three day notice, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: GA

Complaint narrative:
I paid speedy cash on time then something went hair wire ... they are taking large amounts from my bank. 
When I speak to the office in XXXX TN. the girl today said it 's not them taking it out. It has their name beside the amount on my bank account. 
They have been doing this for 3 months now. My account stays overdrawn and this is why. Help is this deceptive business practice???? They have taken out XXXX for two months and does not reflect that on my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I made a late payment to my credit card which is through Comenity Bank. I have never missed a payment, even if it is late, and I regularly pay off monthly at least the minimum payment but on the rare occasion the payment is not on time they will call multiple times a day every day at all hours of the day. They also call my mother 's home landline multiple times a day. I have already asked them to stop calling but they only switched to calling from unknown numbers so I can no longer block them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc.
State: IN

Complaint narrative:
COLLECTOR IGNORED CEASE AND DESIST AND KEPT CALLING AND COLLECTING ON A DEBT UNDER GLOBAL REC. SOLUTIONS AND WENT ON MY CREDIT REPORT TWICE W/O VALIDATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MNS & Associates LLC
State: GA

Complaint narrative:
Contacted family members on numerous occasions via phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX I received an alarming call from Portfolio Recovery Associates ( XXXX ) telling me that they were about to take me to court over my XXXX account -- which due to financial problems and XXXX -- had fallen into collection. PRA had bought the debt. Never having been in collection before, I panicked before asking for proof of their account ownership, and set up a payment of {$100.00} per month and a settlement of {$600.00} which had been originally a bill of {$800.00} owed to XXXX. I paid them from XX/XX/XXXX to XX/XX/XXXX. I was told at the time that I would be sent a letter of pay off - which I have never received. I am now on better financial footing and cleaning up my credit - I called PRA to get the letter and now they say they have no record of my account or payments. I told them I have the bank statement. They said that perhaps they had credited the payments to another account - but what worries me is that they have no record of my account at all. They told me to call XXXX to make sure they had the debt. So I called XXXX and they told me that they sold the debt - but could n't tell me to whom, or my old account # but they could call the buyer and they would contact me. Well, it 's been XXXX months and no one has called. So, I called PRA again this week they are still insisting that they do n't have my information, but to send them the bank statement - which I have done as of this Monday. the bottom line is that I can not figure this out, its still on my credit as open - and I am out {$600.00}. Please help me!.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
have sent over XXXX letters to both attorneys office and office of the collector -- got nothing back -- will not respond to anything. in court they act like they know nothing. lawyer does. have mail delivery receipts -- wont respond or anything. I made a payment via XXXX XXXX money order and it was cashed and deposited and nothing reflected. have copy of money order and mail delivery receipt and it still show I did n't pay and now they are trying to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 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: OK

Complaint narrative:
They continue to call my house daily even though it is my daughter who owes the debt. She is not here, and I am not paying her debt for her. I want them to leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 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: GA

Complaint narrative:
Portfolio Recovery Services states that they purchased accounts that I owe. However, I was never notified of the accounts nor did I receive notice of my right to dispute the accounts with Portfolio Recovery Services. 

Additionally, I have mailed numerous letters requesting validation of the debt, with no response. Yet, the continue to update the information with the credit bureaus when I dispute the tradeline on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 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: MD

Complaint narrative:
According to XXXX Report, this account was sold to Portfolio Recovery from XXXX ( XXXX ) and they are both reporting negative information for XXXX single debt. After a dispute filed with XXXX, ( see attached results ) the results state everything has been verified. How? when they both are reporting duplicate negative and collection agency accounts. XXXX, the original creditor, is reporting XXXX negative account XXXX on my credit report. Copy of contract proving debt was sold to them, proof of orginal debt, etc has not been received from Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I have been receiving harassing phone calls from Portfolio Recovery for over a year. I have written them requesting that they do not call, I have verbally requested that they do not call, and they continue to call. I also get calls several times a day from their many phone numbers. Here is a partial list of the calls ( all calls are CST ) : XXXX/XXXX/XXXX XXXX XXXX Requested they stop calling and send information regarding debt. I have never received information. 
XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Again requested they stop calling XXXX/XXXX/XXXX XXXX XXXX a man named XXXX called. Again requested they stop calling. XXXX informs me that they can call as often as they like and that they do not have to send confirmation of debt. 
XXXX/XXXX/XXXX XXXX and XXXX XXXX Again requested they stop calling XXXX/XXXX/XXXX XXXX XXXX Requested they stop calling XXXX/XXXX/XXXX XXXX did not leave number. Requested they stop calling XXXX/XXXX/XXXX XXXX Requested they stop calling XXXX/XXXX/XXXX XXXX Requested they stop calling XXXX/XXXX/XXXX XXXX Requested they stop calling XXXX/XXXX/XXXX XXXX and XXXX XXXX Requested they stop calling. 

Please note that all of the above calls are asking to talk to a married name that I have not had in over 15 years. They have also started calling me on my secondary ( business only ) and cell phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery calls with different numbers from XXXX XXXX to XXXX XXXX numerous times a day. They do not indicate what the debt is or who they are calling for. I have received no written notification other than repeated calls from them using different phone numbers for at least a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I made a XXXX account to sell my washer and dryer. I posted my phone number for any serious buyers. The man who called himself " XXXX XXXX '' was interested and said he would send his check via mail and he would later send his movers to pick them up. He sent a check with extra money so that i may pay the movers. Well closer to the date we set, he said they needed a movers moneygram in order to go. At first I told him no because it was n't my responsibility, but he said he really needed the help. The check was listed on my account as received so I sent the moneygram to his " movers ''. Days later my bank tells me that check has no funds. So I am out that cash and that guy is no where to be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
They have call from different numbers repeatly and im telling them I dont have the money and they say well note the account and they say the calls well continue untill the debt is paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 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: MD

Complaint narrative:
Portfolio has consistently refused to remove incorrect information from my credit reports even though I have ask them several times. They have sent several " verification '' documents to my house but they are insufficient. This is time barred debt and the date of first delinquency is over 7 years. I have enclosed what they are reporting on my reports and also I have enclosed what they are sending me as " verification ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
Funding at Toyota Financial Services in XXXX, XXXX. We are in charge of reviewing the lease agreements and contracts that come in from XXXX customers who buy or lease a vehicle. Within the State of XXXX, consumers are given a trade in sales tax credit for their prior owned or leased trades. XX/XX/2015 Toyota got word that the WI tax rules had changed but did not update their systems. When calculating the taxes, myself and a few others noticed that XXXX dealerships, XXXX XXXX XXXX, XXXX of XXXX and XXXX of XXXX had their customer 's taxes coming in at lower amounts. Upon further review, we discovered that it was because those dealers had updated their systems to reflect the new tax laws. 
This means that a new tax calculation worksheet needs to be created. 
It was, however was only used for those XXXX dealers. The rest of the dealers use the old one. 
This did not sit well with me and I provided examples to management who admitted that there was disparate treatment due to the fact that if you purchase or lease from any other dealer, you would be paying more per month in monthly sales taxes than if you were to pay at XXXX of these XXXX dealers. It is now a year and a half later and the dealers have not been instructed to update their systems and I have constantly been told that more information is coming. I am told we will be discussing this soon. 
In the meantime deals are being booked everyday under management 's eye knowing that there is disparate treatment being done in the State of XXXX. You have tax XXXX worksheets being done and if you are unlucky enough to buy from another dealer, you may be paying more per month in sales taxes. 
I am no longer employed by the company however, just as I did when I was employed, I knew this was wrong and I brought it to their attention. 
Now that I am free from speaking out against them per policy, this is to help all the people in WI know that us other small people are on their side and we do try. Corporate America just does not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
There is an error on my credit report from Toyota Financial for a vehicle. I have asked the credit bureaus to remove it several time and they will not. They are saying that I co-signed/co-purchased a vehicle. The only problem with that is those are n't my signatures, I did n't co-sign for anything and I was not employed at that time. I asked the company to send me proof of my signatures, they sent me the documents with signatures that are not mine. In addition, information provided on the application was inaccurate, they did n't provide me with copies of my social security card or driver 's license. When buying a car this is what is requested. Seem like to me they just let someone use my information to co-buy/sign. I have written letters, disputed this several times on line, and I have even pled and explained how the signatures are n't mine as well as give proof to how the information that was provided on the application was incorrect. I would like to file a complaint against Toyota Financial and XXXX XXXX for this inquiry because I ca n't get another car loan for a loan that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 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: HW Holding, Inc
State: CA

Complaint narrative:
1. Hunter Warfield sent me a letter to collect application fee and reservation fee for their client : XXXX. 
2. XXXX is an apartment renting and management agent in XXXX XXXX, to which I applied an apartment to rent in XXXX online, however I never got any reply from XXXX to either accept or reject my application. Later on they charged me for application and reservation fee, which I requested them to present me any legal documentation signed by both parties, which they failed to do so. XXXX then decided to send this case to the debt collection service Hunter Warfield. 
3. Once I got the debt collection letter from Hunter Warfield, I sent three certified letters to Hunter Warfield to respond and present me any legal documentation which proved that I owned XXXX any fees, Hunter Warfield never replied my requests. 
4. Due to my international travel and a potential impact on my credit while I was traveling, ( this was clearly stated in Hunter Warfield letter to me " This debt has been reported or is scheduled to be reported to one or all of the following XXXX national credit reporting bureaus : XXXX. If your debt is reported to the credit bureaus this could adersely affect your credit. ) 5. I then filled their debt collection letter with my credit card info for the charge, alone with a letter clearly stated that they needed to reply my request on providing me legal documentation on the debt before they could charge me on my credit card. 
6. Couple of weeks later when I came back from my international trip, I did n't receive any legal documentation on the debt Hunter Warfield claimed that I owed, but Hunter Warfield had charged my credit card.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery Associates contacted me on my personal cell phone asking for my wife. I advised that this was not a number associated with her but I could take a message. XXXX then advised me that my number was indeed associated with my wifes account and proceeded to attempt to collect funds. When I told her she could not do that and asked how her company even got my number, she refused to give me any information. I asked to speak to a supervisor and she asked me if I was going to pay off the debt and if I was not then there was no need to speak to a supervisor. After a few moments on hold, I spoke to XXXX XXXX who promptly asked me if I was recording the call ( which I was ) and asked me to stop. She said it was perfectly ok for her to record the call but not me. When I advised that she was not allowed to contact me about a debt that I am not associated with, she said she could if she wanted because I am her husband. I then advised her that I worked in collections for 4 years and knew what she was doing was wrong and I was going to report her and her company to the FTC. She then got very nice and said she would remove my number from the system. I advised that if I received even one more phone call I would file a lawsuit and have my wifes debt forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 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: SC

Complaint narrative:
I purchased furniture in XXXX, paid it off in XXXX. Somehow the original creditor sold my debt to another company and now they are coming after me. I called and explained what was going on. I called the original lender and they sent me proof that the debt was paid off. Now the collection company has this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 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: TX

Complaint narrative:
Portfolio Recovery Associates of XXXX, VA, has made numerous phone calls to my home attempting to collect a debt from a third party after confirmed receipt of a certified letter from me telling them the party they are attempting to contact does not live at my address, does not have my phone number, and not to contact me any more regarding this matter.

Company response to consumer: Closed with explanation