vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Olympic Collection Inc.
State: OR

Complaint narrative:
I am currently trying to pay a debt that totals {$58.00} and I am trying to make {$5.00} payments until the debt is paid and the collector is stating she can only take payments of {$50.00} or more. How am I supposed to pay off these debt if I am a single mother of XXXX and helping my elderly parents? Unfortunately we all do n't have incomes that allow us to make {$50.00} payments without worrying about food, gas and other essentials. She is threatening to take legal action when I am trying to pay!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 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: TX

Complaint narrative:
This debt has been placed on my credit report multiple times, this is incorrect and needs to be removed as it is preventing me from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 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: GA

Complaint narrative:
The 3rd party first kept calling me without me every, every receiving a 30day notice from them, secondly I did n't recall the account, I kept asking them never received anything from then, I then verbal told them i disputed the debt. I then told them the account wasnt mines, that It probably was a fraudenunt account. I asked for them to send me proof of my signature I took out this account XX/XX/XXXX or XX/XX/XXXX they gave me different dates. They told me they would dispute it, found out they never did. I then looked up the company sent them a dispute letter. They then started sending me an old statement XX/XX/XXXX, i told them that a statement was not proof that this account was proof that i owed it, when this was more of a fraud account, they refused to send me any type of proof. they put on my credit and told me that that statement was proof that I owed it. I asked them not to call me, they kept calling me and kept sending me letters stating that my dispute was invalid and that they sent me a statement back from XX/XX/XXXX that I owed the account. I found out they purchase the account and refused to send me out the correct information not did they ever send me out the 30day letter. The dispute department manager told us that the proof was they sent me a statement and that was good enough I owed the bill and told me do whatever i wanted to do when i told her this was against the law and she hung up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
My XXXX Prius was repossessed more than 6 weeks ago. I telephoned Toyota Financial Services ( TFS ) for guidance. I was told to wait for their letter. The letter came about a week later, and I read it. In accordance with that letter, I sent a check for the payoff amount ( {$2500.00} ). The check was sent " return receipt requested. '' I received the return receipt indicating that on XXXX XXXX, a TFS employee ( " XXXX ) in XXXX XXXX, Iowa signed for the check. 
Nothing happened. I telephoned TFS at a their phone bank in Arizona, as directed in the letter, and inquired repeatedly about my vehicle. Each phone call requires anywhere from 22-42 minutes of waiting time. Each person who answered the phone could not tell me what the status of the check was or the status of the Prius. Indeed, I was advised that I had to find out what TFS in Iowa was doing with the check. ( I 'm in DC and not associated in any way with TFS. ) I telephoned a Toyota dealership near where I live ( XXXX Toyota in XXXX ), and asked for their assistance. I was told to send a cashier 's check and that was all that was needed. 
Just before going to get a cashier 's check, I checked my bank account. The check sent to Iowa was finally processed. At the time the check was processed, three weeks had elapsed. 
At this time, I can not get TFS to release the car. Indeed, I can not get anyone to tell me what the status is of my car. AND in the interim, I am told that the repossession company who took the car is charging me a daily fee plus towing fees, and other fees. 
I am XXXX years old. I am relying on friends and neighbors while trying to get my Prus back. At this time, however, I have no belief that I will get my car back. 
Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-25 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: IL

Complaint narrative:
I sent XXXX letters to request that the agency, Portfolio Recovery Associates, provide a copy of viable evidence, bearing my signature, showing the account is being reported accurately. They have failed to provide the requested evidence and have kept the account active on all XXXX credit bureaus. This is a willful non-compliance as per FDCPA 807. False misleading representations [ 15 USC 1962e ].

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
The purpose of this complaint is to expose how First Niagara Bank covertly charged " analysis service charges '' to its customers as a predatory tactic after acquiring XXXX banks in XXXX. These charges were not agreed to between the lender and its new acquired customers nor were customers notified of this change. 

On XXXX XXXX, XXXX, First Niagara Bank acquired XXXX XXXX bank branches in upstate NY affecting XXXX households. I was using XXXX as my bank for my business account at the time. 

From XXXX XXXX through XXXX XXXX, First Niagara Bank charged my company over {$3700.00} in analysis service charges. These charges were not part of my original XXXX account agreement and I did not agree to pay these when the bank was acquired. 

These fees are predatory in nature and a tactic used by First Niagara to make the former XXXX banks more profitable and justify their acquisition costs ; these fees created additional financial surplus at the expense of the customer. Further, customers were not given sufficient time to find a new bank or given the opportunity to move their business with a notice of the new fees. 

I have made several attempts to address this issue with my local branch, but was told that they could not help me. I have also contacted First Niagara Bank and met with a regional representative. Several months have passed and the Bank has ignored my complaint. 

Had I been given notice of the fees, I would have immediately moved my business to another bank as I did not agree to the " analysis service charges '' when I opened the account. However, by the time I discovered that I was being charged, I was not in a position to change banks. My business was in the startup phase, which made it too risky to split revenues and pay vendors out of XXXX accounts. 

I hope that this complaint will be taken seriously and the situation rectified. Additionally, I believe that this issue should be escalated to a class action complaint for all XXXX families who were negatively affected and who did not agree to pay these fees when the acquisition occurred. First Niagara was opportunistic at the expense of their new acquired customer base and bank customers must be protected against predatory fees when an acquisition occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I pay my First Niagara credit card every month online. I have had this credit card since I was XXXX. Every month I choose the same account to pay it out of ( a XXXX account ). On XXXX XXXX I made my payment as usual. Did n't have any thoughts about it, until I received a letter saying my payment did NOT go through. I immediately got on the phone with First Niagara who was generally UNHELPFUL. They did n't know why it did n't go through, but they said they would reverse the late fee and to try to make my XXXX XXXX payment as scheduled ( would be in the amount of XXXX, due to " nonpayment '' in XX/XX/XXXX ). I did, I made that payment again online. It still did not go through. Nothing on my end has changed, no change in banks, no change in accounts, nothing. Again, this is the same method i use to pay my bill EVERY month. ON TIME. First Niagara wants to act like this is some fault of mine, even though I have proof ( printed confirmation ) that I 'm making my payments on time. The last person I spoke to on the phone accused me of having a missing XXXX in my account number. How can this be when I ALWAYS use this account to pay my bill and have never had any issues?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
While in the car dealership purchasing a new vehicle, the salesperson brought a loan amount significantly cheaper than the amount of money financed on my paperwork. Before signing the paperwork, I made the salesperson and the finance department aware of the mistake in amount of money financed but the higher amount is still on my sales contract after they assured me that this was not the amount I was borrowing and repaying. I received a terrible interest rate and will be paying more than {$16000.00} in interest on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Portfolio recovery purchased this debt. They are reporting incorrect amount due {$2400.00} on my credit report but reporting to XXXX {$1700.00}. They 've stated they will only refer me to the original credit for verification

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
Company refuses to provide me with the process for paying additional money on my account. I submitted inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and although their email response states I will hear back within 5 days, I have not received the information requested. Additionally, my online payments used to have a way to pay extra money ( an amount of my choosing ) to my account ; however, that has disappeared. I received one response that I need to call to get the information. That is not acceptable! This simple question can be answered in writing. The only reason for them not to answer is that they want to continue charging as much interest as possible. This is the second time I have had to contact you to get this simple question answered. They restored my online ability to pay an amount of my choosing online mysteriously in that case, stating it was always there. This time I will attach proof that it is not there. And I want to request that it REMAIN until my account is paid in full. Furthermore, they have not at a minimum provided me with mailing instructions either for mailing in extra amounts of my choosing to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Credit history request- never authorized, company not recognized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
My home Loan was sold from XXXX to Caliber Home Loans in XX/XX/2015. It has been nothing but a uphill battle and I have been doing everything possible to remain in my home. I keep getting the run around with Caliber by getting told to talk to a different department, person, call different numbers, requested to fax this document etc. all of which I do. I went to my bank and they requested from Caliber a pay off amount in hopes to refinance and get away from them and they received no response. They did research on loan with Caliber and suggested I contact an Attorney which I did. The attorney requested an pay off amount for the loan and he also did not receive an response. I did have a conversation with caliber one of many and was told that they needed written permission to communicate with anyone regarding my account with them so I faxed them my consent. I then received a letter from Caliber stating that they were going to cease communication because I obtained an attorney. My attorney faxed them another letter stating that is not what we are trying to do. We want communication! So my next step in hopes of clearing this mess up was to contest the XXXX account numbers and loans that are associated with my mortgage and Caliber asking them who, when, and how much the loans were and provide supporting documentation. We still have not received anything. In the mean time I receive a letter every month that I am in default and at risk of loosing my home. I am told by one Caliber department to ignore that letter as it is generated by another department and that I am dealing with another department. Caliber stated that I was also behind in my taxes and asked me to provide the last 5 yrs. showing the taxes being paid so I faxed them to them. Last year I paid both county and school taxes and Caliber paid them because they were not going being paid on time.I was unable to get my money back from the county and was told the check from Caliber was sent back to them. When I contacted Caliber and informed them of what happened I got the run around. It was not until 3 weeks ago and numerous phone calls over a 2 year period that I was finally able to get online and see my account. Apparently there was a block on my account. I never received receipts, paper statements, balances, etc. I would mail my payments every month to Caliber with my account number for one loan. In the letter I recieve once a month stating that I am in risk of foreclosure there is an amount that states the outstanding debt is a lot less than the amount that appears on Calibers website when I log onto my account. I can not get anywhere with Caliber and can not begin to tell you what this has done to my health but will continue to try.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Autovest, L.L.C.
State: AL

Complaint narrative:
I was sued by Autovest LLC on an alleged loan. 
Autovest is a debt collector. They knew that the debt was beyond the statue of limitations. 
This company has had me in court for over 2 years and has tried to garnish my wages over a time barred debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 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: IL

Complaint narrative:
I have repeated confirmed verbally I am not the debtor in question. Faxes sent to my employer by collection agencies have been completed by my employer stating I am not debtor. However, each time a new debt collector purchases the file I am contacted at work and a fax is sent to a general fax number. I have asked each time that a notation is made in the file and that I am not contacted at work. The last phone contact was today ( XXXX/XXXX/2015 approximately XXXX central ) by West Asset Management Company. This is sensitive to me as I am employed in a financial institution in a XXXX position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
I had an unauthorized transaction on my account because I had revoked in writing this lenders right to debit my account, which is what they require, I called the bank to dispute it on Friday, XXXX XXXX, 2016. I had n't heard back so I contacted XXXX bank and was told today that they are not going to refund my money from Speedy cash. 

They said what I sent them does not prevent withdrawal from my account. She put me on hold and then hung up on me. They denied the claim with no valid reason.

Company response to consumer: Closed
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: UT

Complaint narrative:
XX/XX/XXXX mortgage payment was made before XX/XX/XXXX. Caliber is reporting this payment as a 30 day late. Would like to have this removed from credit report. My husband and I have no record of 30 days in the past 10 + years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PlusFour, Inc
State: NV

Complaint narrative:
I have on XXXX separate cover and phone call requested collection company to provide me with a verification of debt and was never provided.,

Company response to consumer: Closed
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
CAILBER HOMES LOANS WAS NOT HONEST ABOUT THEIR POLICY AND PROCEDURES REGARDING MODIFICATIONS..I REQUESTED A MODIFICATION ON XX/XX/XXXX THEY ADVISED ME THAT ONE OF THE QUALIFICATIONS TO EVEN BR CONSIDERED IS DEFAULT OF MORTGAGE PAYMENTS FOR 3 MONTHS ... ... CONSIDERING MY SITUATION @ THAT TIME I AGREED, ,HOWEVER I WAS TOLD THAT THIS WOULD NOT REFLECT MY CREDIT EXPECIALY SINCE I HAD NEVER ACQUIRED ANY LATE FEES ON LATE PAYMENTS SINCE I HAD BEEN WITH CALIBER HOME LOANS .I BELIEVE THEY DID THIS TO DISABLE ME, SO I COULD N'T GO TO ANOTHER MORTGAGE COMPANY THE PROCESS TOOK SO LONG THAT I PAID THE REARS IN XX/XX/XXXX IN FEAR OF LOSING MY HOME

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alorica Inc.
State: NC

Complaint narrative:
These were medical bills that were sent to the WRONG address, an address I had not lived at for 8 years. When They " Found '' me, it was already on my credit report. I paid it immediately to make it right and it was supposed to be removed. The same hospital that I paid thousands of dollar to for the same surgery did not have all of THEIR billing records up to date and now my report is suffering. This is WRONG in so many ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I filed for a Chapter XXXX bankruptcy on XXXX XXXX, 2016 and my attorney provided notice to the trustee and lender at XXXX. Caliber proceeded with my sale any way at XXXX. My attorney contacted the trustee and they stated the sale would be rescinded due to the fact that proper notice was provided yet it is now two weeks later and we keep getting the run around and the sale has not yet been rescinded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
Please review my attachments below and my correspondence with both HUD and FHA. Our MIP refund monies were not handled correctly nor given back to us how they should have, how we were promised, and how we were lied to about finding the monies and sending a check to us which did not happen. We closed on XXXX/XXXX/2015 and it took to all the way until mid XXXX before Caliber Home Loans would try and fix their mistake. We put our trust in them with handling our finance transaction and listened to their advise and our loan was not written correctly according to FHA guidelines. We would like to hear back from someone in regards to what is happening and what will happen about this situation please. We are filing a complaint against Caliber Home Loans with RESPA as well. There should be a penalty for what they have done and what we have had to go through with all of this. Caliber Home Loan kept our MIP monies that were due to credit or be refunded and after months of us looking into where our money was and contacting their corp. office, HUD, and FHA and filing complaints they finally just made a payment on our account towards the principle and told us that will have to do. What they did not only violated FHA guidelines but it was fraud. The first of this is what I submitted to XXXXXXXXXXXX which has opened a case for us against Caliber Home Loans. I have the attachments that are mentioned above it you would like us to share then. 




Caliber Home LoansBranch NMLS : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX : XXXX XXXX, Area Manager Email : XXXXXXXXXXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX worked with XXXX XXXX which is our neighbor and who was supposal lied to my her area manager and company on our refund or either she was lying to us herself in all the text and email messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 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: Rossi Law Offices, Ltd
State: NH

Complaint narrative:
Rossi Law Offices XXXX is a collection agency collecting a debt they say I owed the The XXXX XXXX for vehicle excise taxes during two years I lived solely XXXX and had the vehicles registered XXXX. I have written to dispute this claim, but only get back unsigned responses in the form of new bills.

Company response to consumer: Closed with explanation