vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-21 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: VW Credit
State: FL

Complaint narrative:
I went to XXXX XXXX XXXX to get options to trade in my XXXX XXXX XXXX XXXX lease. I was over mileage so the dealership offered me to put a {$2500.00} down payment on a new lease with {$340.00} a month that we hassled with incessantly but they said I had so much in overage that this was the best I could do. I relented but agreed. Months later I start getting letters from VW credit saying that I did n't satisfy the amount owed on my prior lease. The dealership told me that when I got my new vehicle the reason I was putting so much money down was because I was so much over and it turns out they lied and had not satisfied my lease. I reached out to the finance manager XXXX several times, he asked me to get an invoice from VW I sent it to him via email and tried to call and follow up several times and have not heard back. Not considering my many phone calls that he ignored on email I reached out on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and since then when he did n't respond I have been Corresponding with XXXX XXXX sending her the email on XXXX/XXXX/XXXX. I have called XXXX several times which I can document at least 9 times and have only received responses 3 times. I am now in collections thanks to their finance team at a time when I 'm looking to purchase a home among many other changes I 'd like to make. I demand that they honor what they told me and satisfy my outstanding balance, that they write a letter to the credit collection agency stating this was an error and I receive a satisfaction letter stating that it is being removed from my credit and it will not affect my credit rating. If both of those conditions are not fully met I will most definitely file a lawsuit, and if lawful, seek out other plaintiffs who must have had this same experience since there is an apparent culture of making false promises to churn over clients hoping that they 'll pay the excesses they lied about covering so they can make bonuses as a high volume dealership.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-24 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 charged excessive fees without an explanation on the nature of the charges. Caliber Home Loans charged more fees on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 after they received the pay off {$770000.00}, .I closed escrow on XXXX/XXXX/2016. 
Caliber Home Loans did not sent any explanation, receipt, invoice or proof of payment to persons or institutions. 
It seems that Caliber Home Loans can charge whatever in a spreadsheet ( all kind of numbers ) and nobody in customer service can explain what those charges are.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alorica Inc.
State: OH

Complaint narrative:
GLOBAL RECEIVABLES SOLUTIONS XXXX have a a unverified account from. I had previously disputed this account. I have never done business with GLOBAL RECEIVABLES SOLUTIONS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt GLOBAL RECEIVABLES SOLUTIONS purport I owe. I request that GLOBAL RECEIVABLES SOLUTIONS Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that GLOBAL RECEIVABLES SOLUTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc.
State: TX

Complaint narrative:
A company called " West Asset Management '' entered my phone number into an autodialer simply based on the similarity of my last name ( a common name ) to that of the debtor they were trying to locate. 

The autodialer voice prompts include an option to indicate that the debtor can not be reached at this number, but that prompt has been XXXX or is not functioning. 

When called back, an agent refused to identify himself or the company her represented. When called back again, an agent did identify their company, but refused to acknowledge they were a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alorica Inc.
State: IN

Complaint narrative:
this company is reporting on my XXXX credit report that i owed them money i called this company and the could not find anywhere in the system i ever owed money that in fact it has been paid for several years now and have no record even ever owed money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: PLS GROUP, INC
State: CA

Complaint narrative:
I currently have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood : PLS, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I also borrowed an installment loan in the amount of {$2600.00} from XXXX XXXX in XX/XX/XXXX. I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive. 

I first started using payday loans about 6 or 7 years ago. My current situation of using multiple payday loans every two weeks started XX/XX/XXXX. My roommate moved out and I had to figure out how to cover all of my housing expenses on my own. At this point, I 've been churning XXXX payday loans every two weeks for over two years, and I 've paid an estimated {$10000.00} in fees, at least. To make matters worse, I 've been paying {$140.00} every two weeks on a XXXX XXXX installment loan, and I 've already paid {$2200.00} between XX/XX/XXXX and XX/XX/XXXX. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible? 

On top of my outstanding payday and installment loans, I have a car note from my credit union that I pay {$320.00} a month on, plus {$180.00} in insurance. Plus, my rent is {$1100.00} every month. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm really struggling to figure out a way to get out of all this expensive, cyclical debt. I do n't want to default on the loans, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies. To make matters worse, I 'm also facing being laid off from work in the next few months. 

I need help. I do not have the ability to repay all these loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. So legally I should n't have even been able to get XXXX payday loans plus an installment loan at once. Can the CFPB help me in any way?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I was served a law suit for a medical bill. My wife and I found money to use to settle this bill we had allowed to go delinquent. My wife called into the agency to attempt to settle the dept. The company took her payment information and told her that they would withdraw the lawsuit. I later called in to request verification in writing that if we paid the debt with them the lawsuit would be removed. The agent, XXXX XXXX, proceeded to become rude and question why i would allow my wife to proceed if i disagreed. I then told him i was uncomfortable with the deal multiple times and he kept interrupting and repeating what i was saying. He then offered to cancel the payment and allow us to start over. When I said I wanted that option he became ever ruder and combative. I told him all i wanted was to settle the debt and i was not comfortable. We then ended the call with him cancelling the payment. 

I then immediately called back to speak with a manager XXXX XXXX. I informed him of what happened and he did not care at all. He did treat me better, but then he also informed me that they would not have withdrawn the lawsuit and that we had to pay the debt in full. I told him I wanted to know if i could settle with a lump sum payment and he said i could call back and work it out with XXXX XXXX. I told him I did not want to work with XXXX and that i was not comfortable. He proceeded to tell me i had to work with him and that he was the only person on my account. Not until I told him I would be filing a CFPB complaint did he let me know i could settle and that I could call back and speak with him. 

Their practice was deceptive, inappropriate, and unprofessional. I called in to pay my dept and take care of things and they treated me with disrespect. This company also mislead my wife and XXXX strong armed her into a payment arrangement we could have never met. This was a clear care of bully mentality and this feels business as usual. 

As a person who works for a debt collection company I know how important it is to have a willing paying consumer ... this was inexcusable.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
I have been trying to work out a loan modification with Caliber Home Loans since XX/XX/XXXX. Each time I have submitted the paperwork they 've asked for, they say they need only certain additional documents for a complete package. Each time as I have submitted what they request, they say to check back the following week, and then they have either come up with a different list or say they have n't received something that has been sent multiple times. At one point, my first Housing Counselor said she sent a certain item 3 times to them. They have given a list of items one day and two days later when they have what they asked for they give a different list, all the while pushing back and stalling the timeline of review so that I am now in danger of foreclosure. 
They are now in the process of DUAL TRACKING ... Caliber refuses to take the foreclosure sale date off my house, even though they finally conceded on XXXX XXXX that they have a complete loan modification document package to review. One representative told my housing counselor they would take it off in a few days after processing. Another, 2 days later, told her they will not remove the sale date as they believe they 'll finish reviewing and make a decision before the sale date. This makes it sound like they are really intending to go through with the sale, even though they say they 're reviewing now. I am no lawyer, but I doubt that the actions of Caliber Home Loans constitutes Truth in Lending, as I have caught them lying to my Housing Counselor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: MNS & Associates LLC
State: CA

Complaint narrative:
A debt collector is attempting to collect an old debt, that is past the statute of limitations. This debt is no longer on my credit report and has been closed. The collector calling me is asking for personal information which I refuse to give. I called them back and asked for the name of the company and address, and they refused to give me that information. They have called me 4 times this week, twice from the phone number XXXX, and twice from a restricted number. I belive the message said they were from XXXX or XXXX, as they spoke very fast and unclear. The voice message said to contact XXXX tp verify information. I asked them to take my name off of their calling list and they said no, we do not have a calling list. I hung up as I could see the call was going no where and decided to report them instead.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alorica Inc.
State: IL

Complaint narrative:
on XXXX/XXXX/2015, collection agency went on my credit reports, in violation of fcra, fdcpa etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
In XXXX of 2015, Discover Bank 's customer service person advised me by phone that, following 3 different months of writing more than XXXX checks/month on my money market checking account, I had reached the limit, and that a XXXX month would cause this account to be closed. This message was confirmed in a D. B. letter dated XXXX, which I received in early XXXX. I then wrote XXXX checks, including XXXX to the IRS for XXXX XXXX estimated tax payment due XXXX. 

However, on XXXX, I learned that this account had been closed XXXX when D.B. sent me a check for $ XXXX. The consequences of D.B. 's actions were : fees for returned checks from the closed account ( including XXXX for {$270.00} by the IRS ) ; stress caused by D.B. 's NOT advising me that the account was being closed on XXXX ; desperate attempts were required to provide funds for other checks, even though the money market account funds were sufficient ; even though I was told that a XXXX month of XXXX checks would trigger a closing, I lost control of my personal finances unnecessarily. 

The injustice of this is obvious to me, especially because I also have a regular checking account with D.B., into which D.B. could have transferred the $ $ before closing the money market account. This I could have arranged, if I had known before the closing that it would happen. The financial penalties ( exceeding {$300.00} ), plus the aggravation when several checks were returned for insufficient funds that were totally unnecessary should be borne by D.B. I have kept records of the transactions named above until this matter is resolved to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: AZ

Complaint narrative:
Wetman, Weinberg, and Reis Co., LPA have called me repeatedly. They use automated calls that leave long messages on my answering machine. They are looking for somebody. I am not that person, but to get the phone calls to end, they want me to call them back. I should not have to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: USI Solutions Inc.
State: NY

Complaint narrative:
Got a call from USI Solutions , Inc but did n't answer. Did a little research and found out they are junk debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I have never once received a bill from XXXX XXXX XXXX XXXX XXXX. I was unaware of this bill and do n't believe that it is mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XXXX/XXXX/15 I requested validation from XXXX XXXX. As of XXXX/XXXX/15 I have not received any proof of this debt from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I contacted the banks Claims Team to file a complaint against a merchant. Once the claim process was complete and the bank agreed with the merchant I was shock in disbelief due to the decision was not based on facts. I expressed my concerns to the banks highest level of customer service and other branch management members. I also explained and told the bank that the merchant will and have resolved ( returned my over payment ) resolved this issue. Instead of the management team taking this experience and using it as a training tool, they ultimately called my work number and told me my account would be closed due to me filing over XXXX claims in over 11 years with various merchants. This was never an issue and was never brought to may attention until I complained about the unprofessional behavior of a few employees. The employee responsible for all of this negative interaction left a personal voicemail on my workplace phone detailing how he intended to close my account. As a result I have had several NSF check/electronic transactions returned unpaid. Retalliation is not the way to treat customers.I have all the names and contact number for all the employees involved. When I asked for a higher authority at the corporate level my request was denied and the now new manager of customer service said she as their to protect the regional designee from harm. I did n't understand this position.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: ID

Complaint narrative:
I answered the phone and they continusly asked for my direct banking informationand kept demanding I give them my routing number and account number.. I explained I would not give that info, nor would I give my address without them giving me more information.. They call nonstop at all hours.. I explained that if they would mail me something verifying who they were, who the debt was from and the amounts I would work on paying it.. They again wanted me to give them banking information and set up automatic debit.. I again explained once debt was verified in writing I would set up payments but would NOT give them banking info..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
In late XXXX, my mortgage was unilaterally sold by XXXX XXXX XXXX to Carrington Mortgage Services. I received a bill for my payment due in XXXX XXXX. Today is XXXX XXXX, XXXX and I have not received a XXXX bill. I called Carrington to ask why. They said that its because there is a bankruptcy " on my account '' and I have to write them a letter requesting to get bills before they can send. The bankruptcy was my wife 's ( she 's on the loan, too ) and was from XXXX. We 've never missed or been late on a mortgage payment in over 5 years. So, let me get this straight? I was paying my bills on time and XXXX bank sold my loan to another bank without my consent. And now, if I want to receive a bill to know what 's going on with my loan, I have to write a letter? That 's ridiculous. Carrington 's supervisor told me that the bankruptcy law had changed and this was required, but when I asked for a citation she could not provide XXXX. So, I asked her to send me a request in writing stating that to get bills I would have to write a letter due to the law requiring it. She refused. This was " XXXX, '' a supervisor. I do n't know what this is about but I 've been doing research and can not find any law requiring such a letter. I just want to get a bill so I can pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: Fitzgerald Goldman & Associates, Inc.
State: FL

Complaint narrative:
Threatening calls at Work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I have n't obtained a loan through Speedy Cash. I have disputed this with all the credit bureau but XXXX XXXX XXXX XXXX XXXX will not remove or provide me with any documents verifying the account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have a mortgage with First Niagara Bank ( Niagara ). Niagara is also my loan servicer, and collects and holds my escrow for insurance payments. In XXXX XXXX, my homeowner 's insurance company, XXXX, billed Niagara for {$1500.00}, payment for the upcoming year. Niagara made the payment to XXXX late, after the due date, and as a result my insurance was cancelled. At the time I had funds available in my escrow account. I have never missed or been late on a loan payment. Additionally, I did not receive any cancellation notification from XXXX or Niagara. Today, XXXX XXXX XXXX I was notified by my insurance agent that I did not have any insurance coverage. This is not right, fair, or just. I have paid all of my bills, read all of my mail, and done everything a responsible homeowner should do. Niagara has mishandled my money and exposed my family to significant risk as a result.

Company response to consumer: Closed with explanation