vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Complaint is in regard to Portfolio Recovery Associates, on a credit card account for XXXX. XXXX account # XXXX, issuedthru XXXX XXXX XXXX. 
I have tried to call Portfolio Recovery, about a dozen calls in all, they flip your call from one rep to another, and / or disconnect the call. I have asked to speak to a supervisor, XXXX XXXX, to no avail. They send you to their PRA Resolution website which does not allow me to submit the complaint. 
I am enclosing XXXX pages of documentation. 
First XXXX pages are letter sent to me on XXXX/XXXX/XXXX along with refund check of {$160.00}. Amount of payment is incorrect according to paragraph XXXX of their letter, that states that the refund is in accordance with the consent order reached with CFPB, and that the refund amount covers payments made in the first 60 days. 
They keep telling me that the amount they sent was DETERMINED by CFPB, and refer me to you. 
XXXX XXXX and XXXX of my documents are copies of settlement agreement dated XXXX/XXXX/XXXX. First 2 payments scheduled are XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 
FIRST 2 PAYMENTS WERE MADE WITHIN 42 DAYS AFTER AGREEMENT MADE, BY PHONE. 
XXXX XXXX and XXXX of the attached documents are copies of XXXX XXXX XXXX statements that show that payments of {$160.00} were actually withdrawn fom my account electronically on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, for the benefit of payee Portfolio Recovery. 
SINCE THEY RECEIVED 2 PAYMENTS TOTALLING {$320.00} IN THE FIRST 42 DAYS FROM AGREEMENT / ARRANGEMENT MADE BY PHONE, I FEEL THAT I AM DUE ANOTHER {$160.00} REFUND CHECK, AS PER TERMS OF CONSENT ORDER. 
IN ADDITION, AS YOU CAN SEE ON XXXX/XXXX/XXXX LETTER SENT TO ME THEY HAVE FAILED TO LIST CONTACT PHONE NUMBER FOR CFPB, AND OR WEBSITE FOR CFPB, FOR FURTHER FOLLOW-UP. 

Please enforce the consent order terms to the fullest extent. If they are trying to XXXX me, they are doing it to others, as well. 

Thank you, in advance, XXXX XXXX ( XXXX ) XXXX Email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 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: OK

Complaint narrative:
I am writing in regards to my now closed, Paid in Full, purchased by Portfolio Recovery Associates from XXXX XXXX XXXX XXXX. 
Portfolio Recovery sued me over this debt but the case was dismissed without prejudice and I was advised by portfolio Recovery Associates that the account will be deleted off my credit reports. 

Upon speaking with several supervisors at Portfolio Recovery, I was informed that while it is practice to update the credit reports as " Paid '', I was also informed that if I chose to dispute the account once paid for a removal from my credit file, " Portfolio Recovery would not fight me on this ''. I have received conflicting information from several different representatives, and due to this and the extenuating circumstances that caused the initial delinquency -- and the fact that I resolved this account in full and amicably -- I am requesting a complete deletion of this account from my XXXX credit reports : XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-26 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:
This complaint is about BOTH communication tactics and attempting to collect a debt that I do not owe. 

Portfolio Recovery - " In order to resolve your complaint, we will need additional information to locate and investigate the issue. Specifically, we need to know the account number or telephone number at which you received our calls. " Case number : XXXX RESPONSE : My name is XXXX XXXX XXXX and that is all the information I 'm willing to give to a company that I have never heard of and that is reporting on my credit report. The phone numbers in the attached letters have been used to protect my actual phone number since I do not know who you are and why you have my information in the first place. 

If you do not have my name in your system then I would strong urge you to consider making a request to have this trade line from your company deleted. If you do have my name in your system you should not have any problem providing a complete package of validation for me including documents with my signature on them for the alleged debt. 

I have attached a screenshot from my credit file. If you do not comply I will file a lawsuit in California for violations of the FCRA and FDCPA and you will be responsible for attorney fees, statutory damages, and my recent actual damages that have been incurred when I tried to apply for a mortgage. My banker has prepared a letter that will be used in court if needed to show that Portfolio recovery is the sole cause of why I have been denied for a {$780000.00} mortgage. 

Delete the trade line immediately and stop calling my boss and stop calling me on my cellular phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I have an old account with Toyota financial services that has been paid in full, but they have reported it to the credit Bureau as past due. This has caused my credit score to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NH

Complaint narrative:
I previously disputed a Toyota Motor Credit charge off account. The account was resolved/updated with the major credit bureaus. Yet Toyota Motor credit refuses to remove the dispute comments that they have placed on the comments/remarks section of the account with the bureaus. I have made multiple phone calls and sent letters stating I was no longer disputing the account and I did n't object to their findings. Only after the refusal of speaking with a supervisor, being hung up on and laughed at I have to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
PORTFOLIO RECOVERY uses abusive language in the way they attempt to collect a debt. They are very aggressive and intimidating in their manner. They need the money NOW and insist on getting your banking information before they send you written acknowledgement of your arrangement. They have REFUSED to send me a written acknowledgement of our arrangement and they said it was due to an " open complaint ''. I stated that my complaint had nothing to do with our arrangement and that I was entitled to file a complaint every time they were nasty to me and I would continue to do so until they changed therir tactics. I have called repeatedly to resolve this matter and they simply REFUSE because I filed a complaint that I am legally entitled to do. Regardless the issue is their REFUSAL to send me written acknowledgement of our agreement and the AGGRESSIVE MANNER in which they INSIST on attaining my banking information before issuing a written agreement. They are RUDE AND NASTY and someone needs to stop them. They can not force me to give bank information without a written agreement and they can not withhold such agreement as a way to harass me for filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 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: MN

Complaint narrative:
The company calls almost every day. They are calling for someone with the same last name. I have a very common last name. I have asked them to stop. They continue to call. I do not have debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
My interest rate was at 2 % for 2 years, after 2 years it jumped to 7.65 % and now for the year XXXX it is now 4 %. I 'm stuck with balloon adjustable rate mortgage, interest only since XXXX. Principle balance has n't changed for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
In XX/XX/2016, I ordered XXXX dog pillows from XXXX online. The items were returned because it was not what I expected. I paid out of pocket to have the items returned because I did not want the credit card ( Comenity Bank ) to be charged. This transpired less the 10 days from initial order. The credit card sent me a bill because XXXX did not report to the credit card the items where returned within the time so not to get a charge from the credit card. I was not successful when I tried to get this error resolved. Comenity Bank representative advise me to pay them although I did not have the items. This situation is very discouraging because I returned the items within the time so the credit card would not be charge, as well as the credit card fees for items that where returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
I applied for and was approved for a credit card with XXXX XXXX ( Commenity Bank ). I was not provided the terms and conditions at the store, being told they would be sent to me in the mail with my card. I did not receive the card, the terms and conditions or my first billing invoice. I only received the second invoice which listed a 27 % interest rate, a late fee and a monthly {$2.00} minimum activity fee. I called and immediately closed the account and authorized full payment of the account balance through the automated system. This amount was not deducted from my account, but instead a {$37.00} late fee was added and the account marked late on my credit report. I attempted to corrected this with Commenity but was told they they would not remove this incorrect information because they attempted to contact me through a phone number that I never had.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20 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: ResidentCollect, Inc.
State: OH

Complaint narrative:
I was living in the townhouse, when gave month-to-month notice which was approved, then left due to being stalked by unknown person. I filed police report, however apartment complex continues to bill for what they collected from bond for apartment. My minor daughter and myself had to flee the apartment to be safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Caliber Home Loans has misappropriated my mortgage payment and they are claiming that I have not paid my mortgage since XXXX 2015. This is inaccurate and I have my bank records showing that Caliber cashed the checks. I have written a letter to Caliber Home Loans with attachments showing that I am current with my loan payments and they are still threatening to foreclose on my property. It is a simple adding and subtracting issue on their end that they refuse to remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
have been in a foreclosure for 7 yrs mortgage company finally foreclosed because of fraudulent docs.i have proof of fraudulent promissory note as well as fraudulent deed of trust finally the mortgage company got the documents it needed forged they never had a valid deed of trust with proper signature or a promissory note with proper signature, But hey got this papers forged .I have papers where the notaries stamps are marked out I have papers that state the note was lost and they are adding in a blank note which is illegal I need help to stop the sale of my property which is up for sale on XXXX XXXX 2016 I cant take this case back to superior court and the XXXX board of appeals will not consider any new evidence in this case so I would like for criminal charges be filed against the XXXX attorneys and the judge that handled this case but I fear for my life as well as my family based on a case that was filed against a judge and mortgage company out of XXXX XXXX .the judge that ruled on this case in XXXX XXXX XXXX the person he ruled against was called SUNNY XXXX OR XXXX LAST NAME XXXX XXXX or XXXX was found dead shortly after .I know that the attorneys for the mortgage company has international ties so that is my problem of being murdered if I bring charges against attorneys and mortgage company as well as the judge who ruled on this case.But I will not be intimated by fear I am XXXX yrs old so if death be an issue in me persuing just by these crooked lawyers and judges let it be but I want these XXXX prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I am a customer at Union Bank California. Was denied services and a check endorsed to me was refused. XXXX the teller had no banking information on me. Did not swipe my card nor ask for ID. He immediately took the check to his manager XXXX who also refused my request to deposit this check endorsed to me. I was DISCRIMINATED against based on my appearance and not account information. After leaving I contacted the branch manager XXXX who then also informed me that his teller did the right thing by denying my check. XXXX stated that if he had taken the check from me, that doing this would put him at risk insinuating the check may be bad, or fraud may be involved. I was not only insulted but also humiliated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 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: CA

Complaint narrative:
On Saturday, XXXX XXXX, I deposited {$40.00} at the ATM XXXX, Union Bank, XXXX Ca XXXX. The ATM returned {$20.00} ; I resubmitted the {$20.00} Bill again. The ATM malfunction, stated it returned my Deposit ... The ATM asked if I need more Time, I stated no..no response and I stated yes ... My ATM Debit Card was returned to me and then a Transaction Receipt for Hardware Failure and Attempted Deposit of {$0.00}. I Called Union Bank to file a Claim and received a 15 minute wait, call back. I entered the Branch and the Teller explained that the ATM was not accepting Deposits ... there was not a sign or notification to this fact. She further stated that a Service Technical would be out, I should file a Claim and if confirmed my Account would be credited the deposited amount. Claim XXXX was filed with Union Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NE

Complaint narrative:
I sent in my XXXX paperwork to Caliber Home loans. I continue to get letters saying that they need all the required documentation. When I asked what specific documents that still needed they continue sending the same letters asking to get the required documents. I currently do n't know what the status of my mortgage account is after requesting to start paying on account to get current again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Thomas Agency, Inc.
State: AZ

Complaint narrative:
Estoppel letter dated  XX/XX/XXXX, was presented to  The Thomas agency as a result of their default in dishonor, via tacit acquiescence, regarding  previously served  Cease and Desist / Verification of Debt  of which was received by their office  XX/XX/XXXX, substantiated by certified receipt  XXXX. The Thomas Agency (Collection Agent) was legally  estopped  from  collecting and or  reporting any/all of those alleged debts listed in Attachment XXXX, And yet, as of XX/XX/XXXX, the Thomas Agency continues to  illegally report  these alleged debts as though  they are valid to all XXXX credit bureaus. Those alleged debts the Thomas Agency continues to report have never been validated though request for validation has been made over and over again. XXXX written request for validation was sent to the Thomas Agency XX/XX/XXXX with no response. A XXXX request for validation was sent to the Thomas Agency XX/XX/XXXX,no response. A XXXX request for validation was sent XX/XX/XXXX, no response. Last request sent XX/XX/XXXX, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Speedy cash sold my file to XXXX XXXX XXXX XXXX. This was paid and has been disputed with XXXX XXXX several times. They reported on all XXXX credit bureaus, received an attorney letter plus has been disputed with all XXXX credit bureaus since XXXX 2011 and they refuse to remove it. Statute of Limitations in Texas is 4 years. They are a debt buyer illegally reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
3 weeks ago requested loan payoff from Caliber Home Loan thru their SPOC representative. Was told I would receive it soon. Still waiting and I have a pending foreclosure that is moving forward. I have a pending sale on the home and can not draft a correct contract as Caliber ( who represents XXXX ) is not sending me the requested 30 day payoff that I asked their SPOC rep XXXX # XXXX to send me. I want to sell my home and avoid foreclosure but they are holding up my request for a loan payoff. They are denying me my right to sell my home!!!!! Why ca n't they provide this payoff?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: MA

Complaint narrative:
I refinanced my loans away from FedLoan. A payment was made in the amount of {$10000.00}, however FedLoan misapplied the payment equally across all of my loans rather than paying off the higher interest loans I intended and instructed it to. It should have instead been applied towards paying off the following loans, in full, in order : XX/XX/XXXX Direct Sub Stafford Loan ( 5.75 % ), XX/XX/XXXX Direct Sub Stafford Loan ( 5.35 % ), and XX/XX/XXXX Direct Sub Stafford Loan ( 4.25 % ). It should NOT have been applied to the XXXX Direct Sub Stafford Loan ( 3.15 % ). This will cost me much money in the long term, as now the higher interest loans have not been paid off as instructed while the lower interest one has, earning FedLoan more money than they are entitled to ( at my expense ). Please fix this payment issue and correctly apply the payments to the loans as they should have been applied in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Aqua Finance, Inc.
State: OH

Complaint narrative:
My husband and i had a water softener installed, we were both working at the time and have paid monthly payments on time for 2 years so when my husband lost his job for medical problems and my job cut everyone to part-time we fell back on payments and asked the company ( XXXX Finance ) to pick-up and take away the softener as we were not going to be able to keep up the payments. They said that was not possible and have frequently calling and harassing me and him on our phones and now my workplace. i have been embarrassed at my workplace and reprimanded by my supervisor. We have instructed them to stop this harassment but they are n't they keep calling. 
What can i do? i can not afford to lose my job by their calls.

Company response to consumer: Closed
Consumer complaint received 2017-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
Caliber Home Loans has screwed up my escrow account twice. First they paid an irrigation assessment they were not supposed to pay and began charging me {$100.00} a month more to cover their mistake. I also paid the assessment and cant get that money back. Now they have failed to pay the second installment of my property taxes and I have been assessed a penalty and late fee which they will have to pay. They are unresponsive in fixing these issues and I can not change mortgage companies. I did not ask for them they bought my loan and now I am stuck with their XXXX service for the next 28 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2017 my bank issued a paper check in the amount of XXXX to Paypal Credit. This check was received and deposited by XXXX of XX/XX/2017. On XX/XX/XXXX, my account still showed a balance of {$650.00}. I asked about it, and they requested I provide them with check number, date of issue, date of deposit. This information was provided. I have provided this information to them several times, both by email, and by phone. They still have not credited my account for XXXX. The last message I received from them today asked me to provide proof of electronic payment -- when I have already told them a check was mailed. They keep asking for the same information over and over again and wo n't resolve the issue. They have not made any progress, and each representative I speak to seems to be talking about the situation as if it were the first time I 've made the complaint.

Company response to consumer: Closed with explanation