vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-30 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit
State: NH

Complaint narrative:
My daughter wants to return her vehicle 7 months early and payoff the remaining payments on her lease. XXXX is now telling us that we could be responsible for the difference between what they can sell the car for at auction and what the residual value is. Therefore, I will be at their mercy and could wind up with a bill of {$5000.00} or more. We are totally at the their mercy. I have turned in leased cars before and have never experienced anything like this. They have absolutely nothing to lose. Sell the car for {$5000.00} and stick the consumer with the difference. I do not know how this practice is actually legal. I want all consumers to be aware of dealing with VW and what you can possibly be up against.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Fein, Such, Kahn & Shepard, P.C.
State: NY

Complaint narrative:
FEIN SUCH AND CRANE sought judgement and sale of my home when they have NO RIGHT TO DO SO. I have been fighting this for over 2 yrs. I was working on a loan modification with XXXX who was the servicer meanwhile XXXX who was no longer the servicer continued with the foreclosure with this firm I contacted this firm on numerous occasions stating that XXXX had no right to proceed with the foreclosure they then claimed they were working for XXXX then they claimed they were working for XXXX. Meanwhile I have letters from XXXX and XXXX stating they were not proceeding with foreclosure since they had no standing with the loan. I sent copies to this law firm they didnt care stated they had judgement and were proceeding with the sale even though THEY HAVE NO RIGHT NO INTEREST IN THE PROPERTY HOW CAN THEY DO THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
The basis of my complaint are concerns around the Mortgage Servicing Transfer process by XXXX and Caliber Home Loans. As a result of their actions noted below, they have failed to protect my rights under key foreclosure protections. 
On XX/XX/XXXX, I submitted a completed loss mitigation application to XXXX. On XX/XX/XXXX, I received an electronic notification from XXXX confirming the package was received. My completed application was received by XXXX more than 37 days before a foreclosure sale, and XXXX failed to inform me that I was not eligible for any loss mitigation option. 
Instead, during the pending status of my completed modification application, XXXX sold my loan as of XX/XX/XXXX to XXXX Master Participation Trust and subsequently sold the servicing rights to Caliber Home Loans as of XX/XX/XXXX. The following outlines the timeline of events and notices from XXXX, XXXX and XXXX XXXX ( Notices from XXXX and Caliber are attached ) : XXXX XXXX, XXXX, notice states the servicing of my mortgage was sold to XXXX as of XXXX XXXX, XXXX. This notice does not meet the content requirements under RESPA. The notice does not include the new servicer address nor the Federal disclosure regarding late payment protections. 
XX/XX/XXXX, I contacted XXXX to request a status of my loan modification application. XXXX informed me my application was complete and in " Underwriting '' and was also informed my loan has been sold. XXXX provided me with the contact information for the new servicer. 
I contacted Caliber and was informed by the Rep that they were waiting on loan modification documents from XXXX. I was confused by this since I did submit a completed application prior to the servicing transfer date. They stated my application was incomplete because they did not receive income documentation. I submitted Income documentation to XXXX with the original application to XXXX on XX/XX/XXXX. 
XX/XX/XXXX, notice from XXXX XXXX states that my property would be sold on XX/XX/XXXX. 
XX/XX/XXXX, notice from Caliber requesting I provide a complete package by XX/XX/XXXX. Caliber failed to allow 30 days to provide the package. 
As I understand the rules, a mortgage servicer can not start the foreclosure process if a completed loss mitigation application is pending. I believe this to be considered " Dual Tracking '' and constitutes a RESPA violation under the Mortgage Servicing Rules. 
In accordance with the Mortgage Servicing Rules, Caliber had a duty to send an acknowledgment notice to me within 10 business days of the transfer date. And, Caliber should have evaluated my application within 30 days of the transfer date, in in both cases, timing requirements were not met. 
In addition, XXXX received a timely complete application, and XXXX XXXX should not have moved for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: DC

Complaint narrative:
Borrower : XXXX XXXX XXXXProperty Address : XXXX XXXX XXXX XXXX ; XXXX, MD XXXXLoan XXXXLender : Caliber Home LoansFormal Complaint Against Caliber Home LoansCaliber Home Loans, Inc. tax department made an error on my mortgage. They thought that Caliber had to pay a {$1900.00} tax bill twice annually. 
Which made my mortgage payment ( PITI ) escrow almost {$400.00} a month more over andabove my current mortgage payment. My current mortgage payment XXXX PITI XXXX is {$620.00}. However with this tax error on the part of Caliber my mortgage payment is over {$900.00} of which, I can not afford and will not pay due to Calibers error. 
However, after my complaining numerous times. The tax department finally realized that the taxes of {$1900.00} was payable only once a year not twice in one year!!!!. Caliber tax department via the tax department supervisor XXXX XXXX spoke with me twice and assured me the problem would be resolved. It has not!!! I am still being wrongfully chargedover {$900.00} for my mortgage payment that was wrongfully calculated by Caliber Home Loans. Caliber has put my loan in the Collections Department, they have sent me loss mitigation documents they say I am behind two payments. I continue to send in my correct loan amount of $ 624 monthly and not the over {$900.00} that they wrongfully calculated for the escrow due to their mistake. I have tried to no avail to have this problem resolved within Caliber and can not. I was told by a person in the tax department that theresearch department that handles these issues as a very large backlog and I had to wait my turn. I should not have to pay an excessive {$400.00} a month for escrow due to an erroron the part of Caliber.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I received a letter dated XX/XX/2017 from CREDIT COLLECTION SERVICES ( CCS ). The notice looks contrived and my name is not XXXX. I called experian, transunion, and equifax. Each advised me to call XXXX, an organzation which fails to disclose a legal entity name. MY SCORES HAVE DECLINED TO THE LOW XXXX from XXXX last week. My mother paid them {$380.00} to satisfy their demands. CCS has inaccurate information and XXXX coerced payment to calm me down. Please see attached. XXXX emailed me with a bogus link to click with the language : ACTIVATE EMAIL MESSAGING. The URL embedded is : https : //self-service.ccsusa.com/? XXXX & fi= & XXXX & XXXX & XXXX & XXXX & XXXX : % XXXX , % XXXX : % XXXX , % XXXX Attached are the only XXXX documents I have. Also, they asked for my social security number. When I uploaded these documents, a popup contained the term " fake path. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
My ex-mother-in-law ( now deceased several years ) had her identity stolen a decade ago and had a number of debts run up on her credit. These bottom-feeding debt collection agencies buy the debt for pennies on the dollar and then harass anyone remotely connected with the " debtor. '' My Ex-MIL never lived here. My phone was never connected with the debt -- in fact my Ex-MIL never even knew this number. Another bottom feeder ( XXXX Bank ) found that this number is associated with a house that my Ex-MIL used to own ( I bought it from them fifteen years ago ) and began to call trying to contact my deceased Ex-MIL here. 

After a year of complaints to the FTC and you folks, they finally were forced to stop harassing me. 

They stopped and then ( I imagine ) sold my number ( and presumably the " debt '' ) to Portfolio Recover Associates in XXXX, AL who have now continued the harassment. 

A juicy fine would shock their tentacles back. How about it?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Nearly seven years ago I received a collection letter from speedy cash. I paid this loan in full and never received the credit. To this day it remains on my credit as a collection / default and provents me from leading a normal life when it comes to banking. After several civil requests for proof that the debt is still outstanding I was told that they are not required to provide proof and only want the debt paid again plus penalties before they consider removing. The amount I paid was the loan amount plus nearly XXXX percent interest and now they want another XXXX percent?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
My wife took my XXXX daughter to XXXX to get her ears pierced. My wife paid with her ( wife 's ) discover card. The only information provided to XXXX was my daughter 's name, our address and my wife 's name on the permission form to get my daughter 's ears pierced. Two weeks after that we received a letter from Comenity Bank stating they turned my daughter down for a credit card. They state in the letter they are the bank for XXXX credit cards. Neither my wife nor my daughter filled out any credit card application. We are concerned about what personal information for my daughter they might have. We are also concerned that they ( either XXXX or Comenity ) are doing something fraudulent with credit card applications. The letter does state they were not able to determine any credit score for my daughter. I hope this is because all they had were a name and address and were not able to get anything like her SSN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04 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 was selling to a Broker the house. I was behind in payments because of unemployment and rather sell than have property repossess. The Title company paid XXXX early ( as agreed ) the full amount of the debt. The check was received XXXX XXXX, ( the title company had until XXXX XXXX to pay and get the property ). Now on the XXXX of XXXX XXXX sold my account to Caliber Home Loans. In XXXX I received a letter that I owe XXXX cents plus {$1000.00} on interest on a 30 yrs. mortgage. The XXXX cents were " sold '' by XXXX? Now the check was processed by XXXX on the XXXX eventhough the " property and loan had been sold to sister company Caliber H L a day before. My debt is going up exponentially. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc.
State: AZ

Complaint narrative:
This company has engaged repeatedly in making unauthorized credit inquiries and continues to hide behind alleged authorizations that do not exist. The most recent occurrence was in XXXX 2016. I made no applications for a loan with this company in XXXX 2016, nor did I authorize it or its agents to review my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I make monthly payments to PayPal Credit. They claim I am past due and assessed a late charge on my account and raised my payment. In the pay history it is clear that I pay every month as I see all my payments posted. They are not helping me through their customer service channels.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-07 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: FL

Complaint narrative:
I have requested information several time to verify if this account is mine. To no avail have I receive anything from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
They call repeated using different phone numbers and hang up. I am up to dated on all bills. When I call back I have told them numerous times to stop calling but they wo n't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Portfolio Recovery Associates doubled the charge off balance from a charged off XXXX XXXX XXXX. I have attached a copy of what it shows on my credit bureau reports. Also, they have called my parents ( I am XXXX and they are not authorized in any way to discuss nor use this account ) and numerous times, threatening to have me arrested if they do not pay or they want to serve legal papers but they can be stopped if someone pays. I also have about 18 calls from PRA from the last two weeks indicating they are some bogus litigation dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Hi, I " Bought Out '' My lease from Toyota Finance about 2 months ago. Toyota then sent me a copy of my title, which had a section on the back filled out incorrectly ( The Agent that was filling this out, stamped the " tax '' section with an incorrect number, and then wrote over the number with the correct number ) When I took this to the NJ DMV, they rejected it because they claimed that no numbers can be scratched out or altered. They however stated that the Tax Stamp could be correctly reapplied to the front of the document and that a new Title was not required in this situation. I figured, " no worries, mistakes happen '' and sent this back to Toyota Financing informing them of what the DMV Manager stated, and specifically stated that Toyota Need Not send a new Title, but correct the mistake. Toyota however, completely ignored my message and shredded my title, ordering a new one from the DMV. This process has taken over 5 weeks and no communication has been made from Toyota as to when I can expect this new Title to get mailed to me or what the status is. When I call, they can not give me an update. XXXX XXXX ( The New Lender Who Bought the Loan ) is stating now that I am in violation of the terms of the loan agreement since the Title information has not been updated to reflect them as the new accountholder, and to update this ASAP. Toyota really dropped the ball on this one, and I am now requesting the CFPB step in and ensure that a new title was actually ordered by Toyota, and get an exact delivery date for this new Title.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 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: CO

Complaint narrative:
Hello, On XXXX XXXX XXXX I received a phone call from Portfolio Recovery Associates LLC. In reference to an Account from XXXX XXXX Bank. I notified their office I had been in communication with XXXX XXXX XXXX for over 6 months disputing this account as this account was closed back in XXXX. XXXX XXXX bank could not verify these records and the account was removed from my credit file. I requested Portfolio to send validation/verification of this account on XXXX XXXX XXXX, On XXXX XXXX XXXX I received a letter requesting I send them all of my information? I have no idea who Portfolio Recovery is and quite frankly it is not my obligation to provide personal information when they are required to validate the account within 30 days. I sent another letter dated XXXX XXXX XXXX again requesting validation/verification of this account ( I just months 6 months with XXXX XXXX over this process ) and on XXXX XXXX XXXX Portfolio Recovery sent a letter stating they terminated my investigation. I did n't ask for an investigation I wanted validation/verification from their records. This account has NOT been verified yet when I dispute it with XXXX, XXXX, and XXXX, Portfolio verifies the account as valid and continues to report this account each month. 
I have sent a format request for validation in return nothing has been sent and collection attempts continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 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: PA

Complaint narrative:
We made several attempts to speak to someone at Portfolio Recovery Associates these past few months. In every attempt this company would hang up on us. This debt was settled by XXXX back on XXXX/XXXX/14 and signed by XXXX XXXX an associate at Portfolio Recovery Associates. They are now trying to collect the remaining balance even though they agreed to a lesser amount. We have the PDF from XXXX of the settlement amount signed by XXXX XXXX, a representative from Portfolio Recovery Associates. This has been negatively affecting our credit for over a year now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Falsely changed the dates of original debt to current year in order to collect on a write off over seven years old

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 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: MI

Complaint narrative:
I received a call from Portfolio Recovery Associated stating I owed money for an old XXXX Credit card. I stated that I was n't aware of owing any money on a account and please send documentation to prove the amount. On XX/XX/2017 I received a XXXX page document which included a letter from the company stating I owed money a credit card statement that showed I owed {$0.00}. The same day I called into the company and explained the agent what I had received in the mail and proved that nothing was owed per the bill they sent. She then insisted that a XXXX page document was n't sent but a XXXX page document. After almost an hour of telling the agent they didnt send me XXXX pages and her telling me in a round about way I was lieing hung up on me. I then called back in an spoke to another agent who confirmed there was no XXXX page document sent and saw the XXXX page document and agreed that it did n't not prove there was money owed but saw other documents that did show it. I explained if they didst send me what she was talking about how do I validate it is true. She agreed and said she would put the account in dispute, but could n't delete it from my credit report. Per the fair debt collection law the agency has 30 days to prove the debt is valid and has clearly not done so. They also clearly lied on what they claim they sent which would be another violation. The agent then transferred me to a manger who stated by sending me the invoice that showed a balance of {$0.00} was good enough to validate the debt. I asked her over and over again how showing me a bill with a {$0.00} balance is any proof of that over {$600.00} is owed and she could n't answer that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have made repeated attempts with Portfolio Recovery to resolve a charged off account from 2010, the collectors and managers are rude and unresponsive to my request to arrive at a reasonable settlement, they demand an amount I can not afford to pay, the account well beyond the statute of limitations and remains on my credit report. The company that purchased this debt from the issuer is located at XXXX XXXX XXXX, XXXX, VA XXXX phone:XXXX, this matter could have been resolved long ago if it were not for the greed this company has demonstrated.

Company response to consumer: Closed with non-monetary relief