vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
I am so desperate I hope you truly are able to help me with this matter that has gotten out of control. I have submitted numerous times a complete modification packet to Caliber and I do not get any help. They always use the wrong income in order to denied me. Caliber has schedule many times a sale date even though my file was under review. I am livid because recently I was denied on XXXX XXXX, 2016 and was advice by Caliber that if I wanted to reapply I can always submit a new packet due to my appeal being denied.Therefore, I submitted a complete packet on XXXX XXXX, 2016 to Caliber. But now Caliber refuses to put my sale date on hold for the reason that my packet was not summit 35 days before my sale date which is for XXXX XXXX, 2016. I explained many times to supervisors that how was I suppose to summit a modification application when my appeal was under review. Literally once my appeal was denied on XXXX XXXX, 2016 Caliber schedule a sale date for XXXX XXXX, 2016. This is not fair what Caliber is doing because I spoke with the foreclosing attorneys XXXX XXXX XXXX and they advice me that they will put my sale date on hold or suspended it but Caliber refuses to submit a request. At this point I am really fed up because Caliber refuses to help me and they just keep prolonging my foreclosure. I can not believe that they schedule a sale date less than 30 days and expected a complete packet 37 days before. Clearly I was set up for failure. They schedule the sale date less than 37 days like they request to postpone and review. This needs to stop and I need to be assisted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: NV

Complaint narrative:
On XX/XX/XXXX I received a banking alert that my balance was XXXX cents. I found XXXX fraudulent transactions pending for {$410.00} and XXXX. I called the bank immediately since I had the card so it had been compromised. The bank told me that they could not do anything until the transactions posted, usually 24hrs. They told me they could see they were fraudulent. The transactions did not post on my account the next day as they said. I called again and told me they could not help me. I asked what was going to happen to the direct payments that were coming through and I was told to put money into the account but that I would not have a new ATM card for another 10days. The transactions posted on XX/XX/XXXX. When I called to have them investigate I was told TEN DAYS. I was told that until then I was not entitled to a refund or any other assistance. They would call me once the investigation was over IF they were able to determine the charges were fraudulent. I told them I was left with XXXX cents and I was told that they could see they were fraudulent and they said this is their process. This account is my main checking account where my pay goes every 2 weeks. They took ALL my money so the XXXX cents is all I have. The bank tells me to put money into the account as a solution to this problem. Where am I getting this money? Are n't banks insured for this kind of things?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc.
State: CO

Complaint narrative:
The medical debt Global Receivables Solutions, Inc. is trying to collect from me is from XX/XX/XXXX and XX/XX/XXXX. At that time I was married and the grantor was my ex-husband. I was under the impression that this debt was paid in full. Global Receivables Solutions, Inc, first contacted me via letter XX/XX/XXXX. I requested proof of debt and received proof XX/XX/XXXX. 

I agreed to pay {$30.00} monthly XX/XX/XXXX to put a stop to the harassing phone calls. The first payment was made on XX/XX/XXXX. 

According to our filed divorce agreement, my ex-husband is responsible for all debt accumulated during our marriage. 

Since the divorce has been filed with the courts and the courts acknowledge that my ex-husband is responsible for this debt, Global Receivables Solutions, Inc. needs to cease the harassing and inaccurate demand letters. 

Global Receivables Solutions, Inc. 's collections practices are illegal. They do not have the right to make up false agreements or reports and then report false agreements and negative reports with credit agencies just because they purchased the debt from XXXX XXXX Hospital. 

Global Receivables Solutions, Inc. has been sending letters stating that a payment was setup in the amount of {$500.00} due by XX/XX/XXXX. This is false. A payment plan in the amount of {$30.00} monthly was established. I have contacted them and they stated that they would correct the issue. Today I received a notice stating I owed them {$1600.00} due to the fact that they did not receive agreed payment. Another false letter. 

I have been treated badly by several representatives from this agency, ranging in severity from rude to downright hateful. Both their poor treatment of people who try to cooperate with them and their unethical collections practices led me to filing this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I opened a payday loan with Speedy Cash in XXXX 2014 and was charged extremely high loan fees. I filed Chapter XXXX bankruptcy in XXXX 2014 and reported all of my debts to the attorney. This account is still open and this pay day loan company located in XXXX Texas ( XXXX XXXX XXXX ) refuses to acknowledge that I am in bankruptcy. I have filed a dispute with the credit reporting agencies but I have not received a satisfactory judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
Caliber Home Loans makes it nearly impossible to send them a simple email for correspondence. Not to mention, their phone tree is compromised & put me in circles over where I can send my homestead exemption paperwork to XXXX so that my taxes are discounted this year ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I have been trying to get a modification with Caliber Home Loans. The representatives state that there was a payment missing but we have received proof that the payment was received by the previous lender XXXX. Then XXXX sold the loan to Caliber Home Loans. 
As with most Americans our family was suffering a loss of income for several years. They denied the first modification which we are still trying to understand why. We called and spoke with a representative around XX/XX/2015 and were told there was too much debt. That did not make sense because they are only supposed to use income and current mortgage payment to arrive at an affordable payment. We were told to resubmit all documents again so we uploaded all the documents on their website and then received a letter indicating that they can not process at this time because you did not put your loan number on the documents indicated below. There are NO documents indicated below on the letter. Then they are asking to have the documents mailed, emailed, or faxed. They did not request this previously as the documents were uploaded to their website and this was easy. It seems now they are trying to make it difficult to get the documents to them in a timely manner. I need assistance in dealing with Caliber Home Loans. 
Your cooperation is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
The mortgage loan was transferred to a new Servicer. The new Servicer would not honor the agreement from XXXX. The payments were sent in to the new Servicer - ( Caliber Home Loans ) and they were sent back, Now trying to put the homeowner in foreclosure instead of working with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MFP, inc.
State: FL

Complaint narrative:
I faxed Financial Credit Services a letter on XXXX XXXX, 2015, asking for information regarding medical collections they have listed on my credit report. On the letter, all account # s were listed. I received XXXX letters dated XXXX XXXX that only addressed XXXX of the XXXX accounts that I questioned. The letters I received acknowledged the receipt of my request and that they would place the account in a dispute status until they received documentation from the original creditor. Needless to say, as of today, I have yet to receive validation. I have contacted Financial Credit Services and spoke with XXXX, XXXX and XXXX who stated that they will not be removing the account although they have not validated the debt. I explained they ca n't continue to report an account that they have n't provided validation for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I CALLED PORTFOLIO RECOVERY ACT TO SETTLE A BALANCE. THE CSR WAS VERY RUDE AND WHEN I ASKED HOW MUCH IT WAS GOING TO BE TO SETTLE, SHE STATED SOMETHING SIMILAR TO " WHY? YOU DONT HAVE THAT KIND OF MONEY '', " YOU COULDNT PAY THE MONTLY PAYMENT OF X $ ON YOUR CREDIT CARD, BUT YOU HAVE THE MONEY TO SETTLE ''? SHE WAS VERY RUDE AND WAS WORKING AGAINIST ME. I THEN TOLD HER I WOULD SEND THE MONEY TO XXXX AND SHE STATED THEY WILL SEND IT TO PORTFOLIO. THAT DAY I WAS CONTACTING XXXX DIFFRENT AGENCIES TO CLEAR UP MY DEBT, THE OTHER XXXX WORKED WITH ME AND THE DEBT IS NOW PAID. THIS DEBT IS STILL OUTSTANDING SINCE SHE WAS SO RUDE WITH ALL HER COMMENTS AND SLANDER THAT NOTHING WAS RESOLVED THAT DAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
`I am trying to do a repayment plan with Caliber Home Loans. 
I have called in many times and was told I was " approved for a 12 month repayment plan '' They told me the downpayment of {$70000.00} must be in by XXXX XXXX ( I was told the letter is in the mail and I should receive it on XXXX XXXX a day after it is due to be there ) as of now II have received no paper work from them at all. I am reluctant to release {$70000.00} to them with out anything in writing stating that the NOD will be removed, further they said I must pay $ 9600 month on the balance owed which should be {$39.00} and should be divided by 12 months.which comes to much less that {$9600.00}. the reason why I asked for a 12 month repayment plan was to have affordable repayments. It turns out that they are charging me more money than the statement says I owe and they are charging me late fees for the months I am behind in addition to the late fee on the statement charging me for those same months. They also are computing the 12 month repayment plan on 11 months which is unfair and raises the monthly payment. I am unable to talk to anyone besides a point of service person who tells me that all the numbers are computer generated and no one can make any changes.

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

Complaint narrative:
I signed up for a XXXX credit card due to the fact I had purchased a boat and at our XXXX they were advertising {$.00} per gallon rebate for the first 3 months if you spent more than {$1000.00} per month which I did. They have not given me my full compliments of rebates since they say they do n't recognize the marina as XXXX even though on my monthly statement on all but one transaction it 's listed as XXXX XXXX. I had contacted Commenity bank the first time on XXXX XXXX and it is still not resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ATLANTIC PACIFIC MORTGAGE CORP
State: NJ

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXXAtlantic Pacific Mortgage XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, New Jersey, XXXX ( office ) ; XXXX XXXX ( fax ) Dear XXXX XXXX, XXXX : I am writing you regarding the foreclosure you filed with the XXXX XXXX Courts in XXXX, NJ XXXX on XXXX/XXXX/15, one month after I paid the total amount Due to Atlantic Pacific Mortgage and they cashed the check but fail to apply it to my account. On XXXX/XXXX/15, According to the XXXX/XXXX/15 statement, the total l amount owed was {$9600.00}. I paid off the total amount of that was owed on the loan pursuant to the statement received from Atlantic Pacific Mortgage, ( XXXX/XXXX/15 BILL PAY Atlantic Pacific ON-LINE XXXX ON XXXX XXXX ). You can verify this with XXXX by calling 800-956-XXXXSince XXXX 2015-XXXX 2015 this is the total amount paid to XXXX XXXX Mortgage ( Attached you will find an actual copy of the bank statement ). Here is the information : XXXX XXXX XXXX Page Sign Off | Home | Locations | Contact Us | Online Security GuaranteeXXXX XXXX Business Online Accessibility Information Skip Navigation to go to main content of this pageAccounts Transfers & Payments Brokerage Account Services Messages & Alerts Online Solutions Open an AccountOverview Bill Pay TransfersBill Pay Overview Payments Payeese Bills Reports Notices User Profile HelpThe time period you select may not include your entire statement history. Please refer to your account statements to view complete past transaction history. 
Report Title Generate Report Customize Reports My Spending ReportReport : Payments for ATLANTIC PACIFIC MORTGAGE CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX AN : XXXX ; Phone # : XXXX ( XXXX/XXXX/2015 - XXXX/XXXX/2015 ) Payment Sent Payee Amount Payment Account Status Categorylick on link column headers to sortPayment Sent Amount Memo/Invoice # Reference # Payment Account Status ActionXXXX/XXXX/2015 {$620.00} n/a XXXX XXXX regular checking PaidXXXX/XXXX/2015 {$620.00} Mortgage XXXX XXXX XXXX PaidXXXX/XXXX/2015 {$620.00} n/a XXXX XXXX regular checking PaidXXXX/XXXX/2015 {$620.00} XXXX XXXX XXXX regular checking PaidTotal Paid $ XXXXXXXXWhen I did n't accept the loan modification, I paid the outstanding balance based on the XXXX/XXXX/15 statement : These were sent to Atlantic Pacific Mortgage Corp ( Account Number : XXXX ) Payment Sent Sorted Descending Amount Memo/Invoice # Reference # Payment Account Status ActionXXXX/XXXX/2015 {$700.00} n/a XXXX XXXX Crown Banking PaidXXXX/XXXX/2015 {$9600.00} n/a XXXX XXXX XXXX PaidTotal Paid {$10000.00} Grand Total : $ XXXXXXXXThanks in advance for correcting the issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
XXXX I am in Dispute of - THE RESULTS OF YOUR INVESTIGATION -CREDIT FILE DATED : XXXX XXXX XXXX Confirmation # - XXXX / of RECEIVED : XX/XX/XXXX ( ENCLOSED ) XXXX - I am in Dispute of - THE RESULTS OF YOUR INVESTIGATON - CREDIT FILE DATED- XX/XX/XXXX - REPORT NUMBER- XXXX RECEIVED : XXXX XXXX, XXXX credit report prepared for - XXXX, XXXX XXXXYour report number is XXXX date : XX/XX/XXXX Credit Items LEXUS FINANCIAL SERVICESAccount Number : XXXX ... ... .Outcome : UpdatedTo Whom It May Concern - REINVESTIGATION RESULTS/ BILLING ERROR DISPUTEFirst and far most, PLEASE NOTE : Account 1 ) : Experian- LEXUS FINANCIAL SERVICES - Account XXXX is an inaccurate account XXXX This is the first inaccurate Noticeable point, I would like to imprecise. Next, Account 2 ) XXXX TOYOTA MOTOR XXXX XXXX Account XXXX is an inaccurate account. Therefore, this account is apparently a fraudulent account. Your re-investigation will determine, There is certainly more than XXXX creditor, for the same vehicle/ with the same- Vehicle Identification Numbers ( VINs ) - Vehicle Identification Numbers are unique codes given to each on-road vehicle in the United States XXXX From XX/XX/XXXX, each new car is given a standardized XXXX code, which includes a serial number. A XXXX lets you unlock vital information about the vehicle and its history. In addition, Locating VINs - You can find a XXXX on the car itself and on a variety of documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On several occasions, Portfolio Recovery Assoc. and Portfolio Recovery called my cell phone after I told them several times that they did not have my permission to contact me. They called while I was at work, at home, traveling and at church. I told them every time for months that I did n't want to be contacted any more unless by mail. They called on many occasions telling me that they were process servers and they told me to stay where I was and do n't leave because they were on the way to serve me legal papers. They even described the other places close to where I worked. I have had anxiety attacks and panic attacks over the phone calls they have made to me. I requested that they send me information verifying that the debt was mine and I never received any letters from them. I also asked them to close the account and they told me that was n't possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I have contacted XXXX, XXXX ( Portfolio Recovery Associates ) and XXXX XXXX XXXX ( XXXX Bank ) to report that I am a victim of Identity Theft. 

I completed all neccessary paperwork and proof. The companies have billing statements for me going to an address in a different state that I never lived in. The companies has not give me any kind of documents proving I am responsible for the these debts. 

All I want is the debt that I am not resposible for and did not authorize anyone else to use to be cleared from my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20 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: MI

Complaint narrative:
Portfolio Recovery has been contacting me every day and sometimes XXXX a day for over a year to collect a debt that belongs to my son. My son does not live in the same state and I have no contact with him. I have told them this, but they keep calling. Can I stop this harassment. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 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: AZ

Complaint narrative:
This debt collector placed negative information on my credit report without notifying me. Furthermore, since this debt collector has not validated that they are legally entitled to collect the debts they have listed, they are RE-AGING accounts listed on my credit reports in an effort to keep them there longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 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:
Portfolio Recovery Associates calls constantly as early as XXXX XXXX and as late as XXXX XXXX and anywhere in between stating is an attempt to collect a debt. Leaves an address of XXXX XXXX XXXX, XXXX VA and partial zip code of XXXX ... This company was recently sued and plaintiff prevailed. I believe they are scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I sold my car to XXXX XXXX on XXXX XXXX. On XXXX XXXX, 2015 I visited the dealership again because Toyota Financial confirmed the car loan was still active. After arriving at the XXXX Dealership I spoke with XXXX XXXX, who assured me the dealership already had the title and Toyota Financial just takes a while processing the paperwork.On XXXX XXXX, 2015 I spoke with Toyota Financial again stating the account is still open, car title has n't been released and There 's an error on my account " Corporate customer advises not authorized "

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 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: NE

Complaint narrative:
I sent certified mail on XXXX XXXX, 2015 a letter requesting Portfolio Recovery Associates , LLC to send me the original documentation on a debt they are trying to collect. They were unable to provide me with the requested information. They sent me a letter stating that they reviewed their records and they deny their records are inaccurate with out sending me the original documents which I requested them to and am entitled to under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 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: TX

Complaint narrative:
Portfolio Recovery Associates, Inc. ( PRA ) bought a debt from XXXX XXXX in which XXXX XXXX had already charged off said debt. PRA, after 2 years of attempting to collect on this debt, filed a XXXX to the IRS on me for the year 2014. I disputed this debt many times to PRA by certified mail. I did not at any time have any agreement/contract with PRA nor did I receive any goods or services from PRA. This debt is past the statute of limitations to collect a debt. I filed a complaint with the US Postal service for mail fraud.

Company response to consumer: Closed with non-monetary relief