vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-30 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: WA

Complaint narrative:
This is a continued attempt to collect a debt on an old credit card that I do not believe to be mine. I have requested verification of this amount, and am either ignored or sent extensive paperwork to complete. At no time has either third-party agency provided me with proof of debt. If I received anything from them that showed this was valid, I am happy to provide payment, but as my records show my last payment on the card ( which I paid in full ) was in XX/XX/XXXX, I am concerned at the paperwork stating that it was paid last in XX/XX/XXXX, years after I had moved from XXXX and last used the card. Again, I had paid this card in full and then relocated to XXXX three months later. After researching both XXXX XXXX and Portfolio Recovery Associates and learning of their less than ethical practices, I felt it necessary to report their activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
All of my credit card debt has a last payment date of XX/XX/2011. That is more than the 4 years time limit for debt collection that is allowed in my state of California.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
" Portfolio Recovery Associates '' is calling me every single day from different telephone numbers for the last 8 months. 
To today I have counted 233 phone calls from XXXX different phone numbers in the last 8 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Portfolio Recovery Associates sued me in Colorado court without proper notice of a court date or verifying the credit card debt. They told me it was a valid debt and I had to pay. I ended up paying something like {$5000.00} to them since they garnished my wages and I just saw the CFPB article about Portfolio Recovery Associates illegal activities by XXXX so I want my {$5000.00} refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
XXXX XXXX XXXX a collection agency trying to collect a debt for XXXX who I had filed chapter XXXX bankruptcy on in XXXX 2014, that debt was XXXX on XXXX 2014. Both company knowingly it was XXXX and can not be collected but still trying to do so. XXXX XXXX XXXX illegally reported incorrect information on my credit report and damaged it. They have violated chapter XXXX XXXX bankruptcy code. They need to remove the collection off my credit report immediately. Thank you

Company response to consumer: Closed
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
They keep calling me at work even though they have been told multiple times not to. They should know because of the type of business I ca n't receive calls. I also have no debts they could be collecting on. I 'm not going to verify my social security number or birthdate with some random person who calls me. 

First call : XX/XX/2016 XXXX Expressed my displeasure in them calling me at work. They asked me to confirm last 4 of SSN. I refused. They told me I could give them birthdate instead. I said no, I do n't know who you are. I 've never heard from your company. They would n't tell me anything about what they were collecting until I confirmed info. XXXX XXXX Unknown date. XX/XX/2016. " XXXX '' left VM on office phone. XXXX ( my boss ) called back and said " I do n't want my voice recorded. Do n't call here again. '' XX/XX/2016 XXXX Called about " personal business matter ''. Spoke to XXXX. He told them I am not allowed personal calls at work. 

XX/XX/2016 XXXX Called again. XXXX told them not to call here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: MNS & Associates LLC
State: NY

Complaint narrative:
I have reported this company to the Consumer Financial Protection Bureau Case number : XXXX on XXXX XXXX, 2016 for illegally calling me trying to get my relatives social security number. I have never done any business with this company. They have called me again today from a different cell phone number, and using a different company name " MNS Associates ''. I am reporting them again today!!! 
The number they called me from today is ( XXXX ) XXXX, which is listed as a XXXX business on XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I was charged a great amount of interest and was not aware of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Siwell Inc
State: FL

Complaint narrative:
Since we began receiving mortgage statements our servicer had our account listed as convention, though we in fact have an FHA loan. We have called many times in the last three years to remind them that we have an FHA loan and to be sure that they ahve been making our FHA MIP payments. 

At the end of XXXX I spoke with XXXX at ext. XXXX who stated that their system was not updating FHA MIP due dates as the payments were being made and first analysis ( XXXX/XXXX/XXXX ) reflected an escrow negative over {$900.00}. She double checked payments and dates, found the error and re-ran analysis which then reflected a surplus. I asked her to re-analyze the account because I did not want her to refund escrow money that was for MIP payments. We were assured that the FHA premiums were being paid and in XXXX XXXX we received an escrow refund check. 

When we recently received our XXXX statement for XXXX it showed no FHA premium payments. We contacted our servicer who researched the account and stated that they had made the payments to FHA for our account for the last three years. I explained that a year earlier I was assured that the payments were made and even received an escrow refund. I was told that the escrow refund would not have anything to do with our FHA MIP because the payments were being taking by the lender but that they had failed to remit those payments and that this error would not affect our escrow balance. The servicer said that we would receive a revised XXXX statement that would reflect three years of premium payments because they had not reported those payments on the prior years ' statements. Today I received XXXX substitute XXXX statements. The first showed MIP {$2500.00} and XXXX XXXX escrow balance of & XXXX. I called to find out why the amount was low and was told that they may only be able to show one years worth of premiums on the statement and that they would get back to me. I then received by email another revised XXXX showing MIP {$7300.00} and XXXX XXXX escrow balance of {$71.00}. I emailed back concerned with the fact that now, in XXXX XXXX, they have changed my 2015 year end escrow balance and now I am missing {$4700.00}. 

I had been assured on more than one occasion that our account was correct. I was told that their error would not affect our escrow account. Now I can not trust their accounting and am concerned that I have no way of ensuring proper application of our funds. FHA has confirmed that our account was not past due yet my servicer says that as of today they still had not paid all of the premiums due. I can not believe what they tell me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
PLEASE NOTE : TECHNICAL PROBLEMS WITH CFPB " DISPUTE '' SECTION -- " SUBMIT '' BUTTON DOES NOT WORK. 
RE : CFPB XXXX Dear CFPB, I tried to dispute Union Bank 's response to my initial complaint earlier this week. However, there are some technical problems with your " Dispute '' section/ '' Submit '' button. The bank partially addressed my issue. 
I appreciated the response from XXXX XXXX, Office of the President, Union Bank. I also appreciated her reversing {$60.00} of the fees that had been charged to my account ( $ XXXX/month x three months ). 
On XXXX, at XXXX XXXX, I spoke with XXXX at the XXXX XXXX, XXXX Union Bank Customer Service Center. She said that I was never charged any bank monthly fees " until XXXX. '' XXXX said, " new bank fees went into effect XXXX. '' However, I 'm afraid this is not true. I have a large stack of paper bank statements ... all of them show {$20.00}, or {$18.00}, in monthly fees charged to my account. I was charged these monthly fees long before XXXX. 
I called the XXXX XXXX Customer Service Center again, on XXXX, at XXXX XXXX. XXXX. I wanted to confirm the amounts of the fees charged to my account. The employee who answered the phone ( and I 'm afraid I did not get her name ) put me on hold XXXX different times to talk to her supervisor. The third time, I was put on hold for about seven minutes ... no one ever came back on the line. 
At the time I first opened a " Signature Banking '' account, I was renting a room from relatives in XXXX XXXX, XXXX. Currently, I am paying full market rental rates in XXXX XXXX, XXXX, where I help to take care of my XXXX mom. My savings are dwindling rapidly. I feel that Union Bank discriminates against lower income customers. If XXXX is in " Signature Banking, '' no fees are charged. But if you are a lower income customer, with a " Bank by XXXX '' account, for example, monthly service fees are assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXXComenity bank did a Hard Pull on my credit which on XXXX different dates XXXX/XXXX/17 and XXXX/XXXX/17. I absolutely did not authorized a Hard pull much less twice on XXXX different dates. Spoke rep and they said ca n't remove I need to dispute it and she agreed that they only do SOFT pulls. Please help remove I 'm trying to purchase a home. Would not agreed to hard pulls. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Alorica Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX, my US Department of Education Loan was sent to West Asset Management. At that time I entered into a payment plan of {$55.00} a month taken directly out of my bank account. Faithfully for the past XXXX months this withdrawal has been taken out with a monthly reminder sent from West Asset Management that I granted them permission to do so. On XX/XX/XXXX a XXXX XXXX called XXXX XXXX at XXXX leaving a message stating that she was calling to speak to him in reference of me. Also on XXXX XXXX XXXX called XXXX XXXX and stated to her for this call was that the reason XXXX was calling was because I had XXXX XXXX listed as a contact person in my file. Both of these phone calls were told as a lie and are harassing to these individuals. I have the original paperwork that was sent over to West Asset Management and neither of the people that are listed above is on my paperwork. West Asset Management employee XXXX XXXX crossed the line when she lied to these individuals and did not have permission to contact them. If West Asset Management was trying to get in contact with me, they could have sent a letter just like they do every month to state they will be making the withdrawal for payment. I can see if I missed a payment and they needed to contact me regarding non payment, but I have my all of my bank statement starting from XX/XX/XXXX to present that payments have been made on time. West Asset Management should not be allowed to do this to anyone. The debt is being paid on time and the harassing and lying should get them maximum fine for crossing the line because I am following through with the agreement we have in place, and they did not have my permission to contact anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15 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: NJ

Complaint narrative:
My doctors office is charging me for a lab report that I never got the results of. I called the office and asked for official written results of lab but they sent it to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
My home is scheduled for sherrifs sale XXXX XXXX, XXXX. I have been asking every since I got the " according to our records '' letter from Caliber home loans for some sort of proof that they own the loan. I have most recently asked for a copy of the note and have not, as of yet, received it. When I have asked ( and I have asked multiple times ) why it is not yet registered with land records that Caliber now owns the loan, I was told it was submitted on XXXX XXXX, XXXX and is pending. Not only until I questioned this and contacted land records myself, so I get the response from them, oops, sorry, that was wrong. I have downloaded, from the sherrifs sale site that XXXX owns the the loan. It was submitted XXXX XXXX, XXXX and filed XXXX XXXX, XXXX. How can Caliber sell my home if they are NOT the owner of the loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
I was contacted by a deceptive debt collector Weltman , Weinberg & Reis about a debt they had purchased from a XXXX. I disputed the debt and asked for validation but only received a summon and complaint of which I did answer. I never received a notice to appear in court, however I did receive a letter from the courts where a session was held on XXXX XXXX where the motion for their default judgement they were seeking were denied. This deceptive debt collector somehow got a default judgment on XXXX XXXX, XXXX without my knowledge. They went a step further and submitted to garnish my wages on from my employer without my knowledge. I immediately filed an objection to the garnishment and filed a motion to set aside the judgement because this debt collector has violated every rule put in place by the FDCPA. I have submitted a affidavit of fraud and a police report all of which they requested only to be sent a letter from Weltman , Weinberg & Reis stating that their client had completed it 's review and research and has found the account to be valid. I asked exactly when did the debt occur and was told by the attorney XXXX XXXX XXXX the debt was made on XXXX but when speaking with the CRA 's they have verified that the debt was made in XXXX, and the debt collector has only submitted statements dating back to XXXX of which I have found XXXX, XXXX XXXX XXXX has made several inquiries on my credit report. They have submitted statements to me that says this card had a {$5900.00} credit limit, but is stating that I owe {$8100.00}. It is clear that they bought this debt because the card had a balance over {$7000.00} with a 24.99 % APR and they have listed the minimum payment was only {$63.00}. I also received from Weltman, Weingberg & Reis a status report pursuant to service members civil relief act that states XXXX XXXX as of XXXX XXXX, XXXX. I have never been in the military and do not know why they would send me a copy of this. It is clear that they are trying to strong arm into owing this debt. They are taking over {$400.00} every two weeks from my pay for a debt that was disputed, and a debt that they have not provided proof of anything bearing my signature only statements that they are trying to pass off as an agreement. This has been done deliberately and intentional because after asking for a affidavit of fraud and a police report they still came back to say the debt is mine. This debt collector has not a shred of conscience, because what part of identity theft do they not get, and what more can a person do when a police report is filed and a fraud affidavit is given which is why the acts that they are doing is deliberate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Caliber Home Loans services our mortgage. We authorized XXXX, our bank, to send a monthly mortgage payment to Caliber Home Loans and we verified with XXXX that the payment was sent to arrive on the due date. On the due date we received an automated call from Caliber stating our payment was not received. Finally, two days later we were able to speak with a live human being at Caliber, who asked us if we needed debt counseling. We have paid our mortgage on time every time for the last 11 years. Why would we need a debt counselor? XXXX, the customer service rep, refused to allow us to speak with a supervisor and basically told us there was nothing he could do. How is this possible? Is there anything we can do to transfer our mortgage to another company?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
AD XXXX is a collection agency for a payday loan company known as Speedy Cash. A loan was taken out through Speedy Cash back in 2008. They attempted to collect on my then bank account and funds were not available. The loan went as unpaid for years. Now, after XXXX years later, I attempted an online application with this same payday company. they had me contact AD XXXX, whom are still trying to collect on this debt. I never received collection letters nor is this debt listed on any of my credit reports. They refuse to drop the debt from their records and insist on keeping the debt open until I pay. Legally, all unpaid debts are to be dropped after they are XXXX XXXX XXXX or older. The rep on the phone was very rude and insistent that I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I was in a accident and fell behind on my finances due to doctors bills and extra travel I then joined a debt consolidation company to help lower payments and get paid off the payments will start XXXX XXXX and these people keep trying to charge my checking acct causing overdraft charges to increase debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
My loan was sold by XXXX to Caliber. I called in to make arrangements. XXXX/XXXX/15 I made the arrangement with a representative who told me I would be sent a letter to agree to and sign to get the deal going ... .I never recieved a letter to sign, however I did recieve a letter XXXX the wrong dates and amounts I had agreed to. the letter said the money was due on XXXX XXXX or I would be in default and the amount due is incorrect ... .. 
In the meantime my wife is handling all the business of the loan, altho the loan is in my name, I sent a letter of authorization on XXXX XXXX, 2015, They have not uploaded it as of yet and they refuse to speak to my ; wife, I was unavailable to give them verbal authorization and was sure of the fact that I had sent the authorization and they would speak to her. they told me that the letter of authorization was there but has n't been uploaded yet so they wo n't speak to her, allowing us to clear up the situation ... the letter threatens me with default if the money is n't in on XXXX. XXXX, but that was not our agreement ... ... .I will be penalized because of the inefficency of the company that holds my loan.

Company response to consumer: Closed with explanation