vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MS

Complaint narrative:
On XX/XX/XXXX I received XXXX letters from Weltman Weinberg an dReis based in XXXX. I reside in XXXX. The leters noted that I had student loan that totaled approximately {$19000.00} and that the original debtor wanted the money in full and now. I spoke with a lady named XXXX. She went on to note that she really was not concerned with me it was my mother who was the cosigner XX/XX/XXXX that she was after. She noted that she would settle for {$16000.00}. I asked to make payments and she continued to note that she need the full payment of the settlement. She went on to note that she had spoken with my mother on Wednesday who is XXXX years od and with failing health problems. She noted that my mother told her she did not know about any loans. She went on to tell my mother to go to the police station according to my mother and sign papers on me for forging her signnature and she would send her the papers. However she went on to tell me that as we were speaking she was processing the paperwork with the police department to have me arrested. I again asked for a installments of at least $ XXXX {$150.00} per month until paid in full and allowing her to draw a contact that if I miss a pyment all moneies become due in full but thsi was not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IL

Complaint narrative:
Weltman Weinberg and Reis is showing up on my credit bureau and they are claiming that they represent XXXX XXXX XXXX which was as loan provided by XXXX in 2005 that I claimed chapter XXXX on. The statue of Limitations is really up and XXXX XXXX XXXX is no where to found anymore. The attorneys office is just a collection company and they wont provide any info on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Someone unknown to me used this credit card for a period of about 1 month. The issuer had notified me that they were discontinuing the service and I. 

When I received a statement reflecting charges I contacted the bank by phone, told them I had discarded the card and that the charges were not mine. 

Since then I have not received a response from the bank but continue to receive statements and numerous threatening phone calls. I 'm a XXXX senior ( XXXX ) on a fixed income and the continuing harassment is taking it 's toll on my well being and state of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, My mortgage loan was recently transferred to Caliber Home Loans on XXXX XXXX, 2015. I have received nothing but conflicting information since they took over from XXXX XXXX XXXX. My first experience is when I called to request a payoff. I was told it would take XXXX hours to generate but my balance was well below {$3000.00}. This was around XXXX XXXX. I secured the funds and called back to payoff my loan. I was then told I owed up to {$8000.00}. The customer service representative indicated I was given wrong information and requested another payoff. I went ahead and paid the {$3000.00} to avoid any foreclosure proceedings against me. I just checked my account online and it also indicates that I have a balance of {$5200.00} ; however the latest payoff I received shows {$2200.00}. ( Attachment enclosed ). The payoff indicates the amount to payoff my loan and release the lien ; however, I just checked the records for XXXX XXXX and the only activity has been the release of lien from XXXX XXXX XXXX. I do n't show any lien recorded from Caliber Home Loans to secure the lien on my property. 
As a result of the miscommunication and lack of a Deed of Trust, I am requesting Caliber Home Loans release my account as paid in full. I am also requesting they forward me documentation that they do indeed have a right to my property. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I received a payday loan from speedy cash for {$2600.00}. I started paying monthly but realized the interest was out of hand. I got the loan consolidated and payed the outside lender. I signed a cease and dissist letter so speedy cash would stop contacting me. They continued to contact me and put a collections out for me although I payed the entire loan off through the outside lender. I contacted speedy cash and they informed me that the collections would n't go on my credit report and that was false. I would like that collection taken off of my credit report. The entire loan was paid off before they started contacting me through phone calls.

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: NC

Complaint narrative:
My home loan was with XXXX, then XX/XX/2016 sold to Caliber Home Loans, then yesterday I received mail that it was sold to XXXX. I am so confused and feeling a little uneasy. I never authorized any of this and afraid of identity theft, forced foreclosures, and scams. I am not trying to sell or foreclose on my home. I need to under what is going on. Everything I have XXXX states to be cautious. It is hard for me to get a " Live '' rep on the phone with Caliber Home Loans and talk during work hours. I am frustrated and need to know how to secure my mortgage with 1 legitimate lender to avoid this situation. I would also like to know if there are any class action litigations going on concerning any of these entities for these types of business transactions involving home owners. I feel that they are trying to take our homes. Please give me some advice in the simplest of terms. I greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Alorica Inc.
State: MO

Complaint narrative:
I attended XXXX XXXX University XXXX XXXX XXXX, MO in the XX/XX/1990. I admittedly defaulted on my loan. My wages ended up being garnished for, I believe, 10 years. I received notification that my loan was completely paid off and my wages were no longer being garnished. A few months later, I received a letter stating that in fact my loan was not paid off and I still owed in excess of {$8000.00}. This information came from West Asset Management who has since been garnishing my wages ( again ) because I tired of their games. I was told that I could submit various financial forms for consideration of their rehabilitation program. After submitting various documents and being told they were n't good enough, I just quit and figured they could come after me. Which they did. I received another letter in the mail telling me they were now coming after my tax returns even though they 've been steadily taking out a percentage of my paycheck. I do n't understand how I can have paid off all the loan and interest, be told that I had fulfilled my obligation and then have them come after me again for garnishment and tax-returns. They are very opaque in their dealings and do n't make it easy for XXXX to understand just what one 's obligations are, especially as they apply to amounts assumed to be paid. Whether or not I think what they are doing is fair, is it legal? Can I be told that I have no further obligations only to have them turn around and tell me that I do? Is this an endless cycle of me paying off XXXX obligation only to be met another and another until my last day on Earth?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
I have been trying to modify my home loan with Caliber Home Loans and they have ignored me and moved my file to foreclosure and now I have a foreclosure scheduled for XXXX/XXXX/2015!! I do n't know what to do because I want to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Flagship Credit Acceptance has cashed a vehicle warranty cancellation check which they should have sent to me months ago. I have been calling almost three months to get results along with my dealership who ran into walls trying got deal with them. I have encountered customer service reps who constantly hang up on me and give me no help. They advised me that it takes over a month to research a check. Which they claimed that they have mailed out before but they had the wrong address. If that would have beneath case the postman would have put it in the correct box since I have been in the same complex for 5 years. The managers are nonexistent I have spoke to several who have no clue of the process of researching a check. My loan is paid off so I do not understand why it is taking so long and they have confirmed that they have the check.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I tried to find the opporiate selection of the complaint ; however could not find XXXX which would apply to this particular situation. While employed for Portfolio Recovery Associates it was brought to my attention that they had purchased a portfolio which contained an account which was mine, but the statute of limitations was well expired. I can not recall the the orginal creditor ; however the debt was well over the 3 year statute of limitations in which I was a resident of, which is XXXX XXXX. I was informed by XXXX XXXX that I had to resolve the debt inorder to maintain employment with the company. The amount was around {$1500.00}. In order for me to maintain my employment I had to sign an agreement to allow PRA to deduct post tax, {$50.00} a pay period for one year to resolve the issue. It was in my employment agreement that any employee who was found to have a debt in a portfolio PRA owned that it must be resolved to maintain employment. It is my opinion that the debt should have been disvolved based on my state of residence and should have never made it into their system to begin with based on NC statutes of limitations. There was an extra payment removed from my check after the agreement had been met, which PRA subsequently refunded to me. Further more after resigning from PRA I recieved another letter informing they had purchased another portfolio with another debt in which the 3 year statute would apply. Other than the intial letter I have not recieved any further communication of the debt or its collection status, this was in XXXX of 2015. I can not recall the amount, but remeber that the debt was outside of the allowable time NC has put in place. I do not know if there are any other accounts in this status with them and would like to find out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
This collection agency calls very frequently. They not only call my cell phone, but the home phone, my parent 's cell phones and even my sister and brother-in-law 's cell phones. My dad received a call from them yesterday and they refused to say who they were

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-01 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: KY

Complaint narrative:
cfpb, Portfolio Recovery Associates have been on my credit report for quite some time now reporting an alleged debt of {$650.00}. I have sent them debt validation letters several times requesting " original account-level documentation '' and it went unanswered. Completely ignoring my request as to the validity of this debt. 

Portfolio Recovery Associates is also reporting to the XXXX, XXXX XXXX and XXXX credit bureaus as " Late '' and also protruding themselves as a " Factoring Account Company '' rather than a Collection Agency in their true name. " Factoring Companies '' are companies that buy corporate accounts receivables that are not past due. I XXXX XXXX is not a business and did not factor any receivables as I have no receivables and no relationship with this business. Portfolio Recovery Associates are calling themselves a factoring company and not a Collection Agency, giving themselves automatic rights to report a collection as a revolving credit card account thus allowing them to report late payments and report the account as open rather that closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On the XX/XX/XXXX I applied and got approved for the American express platinum card that came with the bonus promotion promising XXXX membership rewards points after spending {$3000.00} within first 90 days ( see attached document 1 ). 
On the XX/XX/XXXX American express took XXXX membership rewards points away from my account ( see attached document 2 ). I received email explaining that my points were taken away and claiming that the points have been earned in inappropriate manner????? ( See attached document 3 ). 
I have called American Express to inquire about points adjustment, the agent stated that the points were clawed back because I have closed the card, and there is no way to get points back. I informed agent that there is nothing in Terms and conditions about removing bonus points if the card is closed. Next Agent helped me file claim/inquiry with American Express regarding the XXXX points adjustment. After speaking with XXXX at American Express Membership rewards department, she informed me that the qualifications were not met to receive bonus. 
When adding all my purchase minus fees and adjustments, and returns my total spends for first 90 days was {$3300.00} ( see attached document 4 ). 

Please add my purchase manually and deduct the fees, adjustments and returns and you will see that my purchases in first 90 days well qualify me for the XXXX bonus points. 
There were no fraudulent transactions and points were obtained in good faith. 
I honestly think this is computer error and it can be corrected if reviewed correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FC HoldCo LLC
State: TX

Complaint narrative:
I am being harassed by Flagship Credit Acceptance. They call me non-stop even after I tell them I am not the person they are calling for. Every time they call they ask for a XXXX. This is not me and I have told them this several times and asked them to stop calling. They will not stop calling. 

I believe their operations are a scam. If you call the number the leave you can never talk to a live person. All they want on the phone system is to trick you into entering your SSN. The automated phone system ask two questions - your account number or SSN. I do n't have an account number b/c I have never done business with these people and I am not the person they keep asking for on their calls. No matter what options you pick you can not speak to a person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 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:
For several months i 've been receiving XXXX calls a day from PORTFOLIO RECOVERY SERVICES. They claim I owe money, which I do n't. The social security number that they give and birth date are both not mine. I have told them this several times but they still call every day mtltiple times. I have been threatened that people were on the way to my house to collect or kill me the choice was mine. They call from many many numbers so blocking still does n't help. I have tried several times to explane very nicely that I 'm not the person that they are looking for, they still call. This has been going on for months and months. 
PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 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: TN

Complaint narrative:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never enter into a contractual agreement with this company and neither have they ever provided me with goods or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I settled a charge off account for partial payments. As I have been paying near 2 years, I called and asked to settle the left over balance of {$540.00} to less own balance. Toyota collections settled for {$260.00} to {$0.00} balance on XX/XX/XXXX. I then check my credit report and they reported wrong information. I contacted equifax for dispute and after 30 days, the dispute still pending and information is not correct. Therefore the negative information should be deleted by XXXX as Toyota failed to report correct information due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 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: MS

Complaint narrative:
They been sending me letters and calling from unknown numbers on my house phone and my cell phone and I do n't have the money to send them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-06 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: AR

Complaint narrative:
Today a process server showed up to a former address of mine to serve me a court summons. I have not received any notice by mail of threatened legal action and no voicemails have been left for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
On XXXX XXXX 2016 I contacted Harley Davidson regarding a trade line that has been listed on my account. I do a show here that they deleted the Tradeline, however, they did not delete the inquiries. I have never owned a Harley, nor have I ever applied for one. Please listen to the attached recorded call as Harley Davidson can NOT find me in their system, yet they continue to report negative information on my credit report. Please also find attached letter that I have sent to try and resolve. 

At this point I feel that the damage has been done and Harley has violated FCRA and FDCPA, which to my understanding entitle me to around {$1000.00} per violation + attorney fees. I do not wish to litigate, but am prepared to do so if this issue does not get resolved expediently. I am requesting that Harley Davidson not contact me by phone and only do so by USPS Certified mail or via the CFPB Portal. 

Looking forward to a hopefully uneventful resolution. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
In regards to Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I made a settlement agreement with them last year for half, I sent them a valid check and they check was sent back stating the offer was longer good. I have submitted all necessary paperwork to the XXXX credit bureaus. This company continues to call me at all hours of the day and night. including XXXX to XXXX XXXX. They have called friends and relatives in other states and here in XXXX. They informed my brother about the debt, how much it was and threatened him with a lawsuit if he did not pay. Even though we have both asked them to send all corespondents through mail only and no more calls, they continue to do so. Today they notified myself, my brother and a friend, that we are all being sued, wages garnished and jail time, if I do n't pay. All these practices are illegal.

Company response to consumer: Closed with non-monetary relief