vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-27 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Broward Adjustment Services
State: VI

Complaint narrative:
I contacted Broward Adjustment Services ( " BAS '' ) by phone to pay an outstanding debt that is owed to the University XXXX XXXX medical facilities. On XXXX XXXX, 2015, I authorized BAS to withdraw a payment from my checking account in the amount of {$480.00} - to pay the total amount due in full. I was informed that my receipt would be the statement from my bank. In addition to the bank statement, I requested that BAS send me a written notice confirming that the payment was made, and that my account with the collection agency was closed. The representative who I spoke to that day updated by contact information, and confirmed that a confirmation would be mailed to my mailing address. 

On XXXX XXXX, 2015, when I checked my bank account to see whether the payment had been made to BAS or the University XXXX XXXX, I noticed that the {$480.00} was withdrawn from my account. The issue arose when I looked at the check that was written by the agency, and realized that BAS had written the check to be made to " XXXX XXXX XXXX XXXX XXXX. '' This is not the correct payee. 

I contacted BAS today, on XXXX XXXX, 2015, to inform them that they wrote and processed the check by sending the payment to the wrong payee. The representative who I spoke to, XXXX ( Last Name Unknown ), told me that the bank statement was my receipt and refused to provide me with information as to whom the payment had been made. She also refused to send me confirmation in writing that my account was closed, and that the debt had been closed. I explained to her that the statement can not serve as a receipt being that it shows that a payment was made to the wrong party. If the creditor was to seek confirmation of payment from me in the future, I have absolutely nothing that definitively states that the payment was made to BAS, or the University XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
I was sued in 2003 by Weltman Weinberg & Reis. I was never served any documentation requiring that I appear in court. Resultantly they obtained a default judgement against me. The lawfirm is aware that I was never served and instead of with drawing the judgement they continue to attempt to collect. The case is in the XXXX XXXX XXXX XXXX XXXX, Ohio. Case No. XXXX. Please help me I have exhausted every avenue known to me. I am at a loss with regard to how to successful right this wrong and I am frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I was a customer of Caliber Home Loans. When I refinanced, they failed to fully return my property tax escrow. I went to the county tax assessor and confirmed that a disbursement Caliber claims they made was never paid out. Twice I have opened a case with Caliber. They tell me I have to wait two weeks for a resolution and that they are escalating. Twice now they have 'accidentally ' closed it and told me I have to start all over again. I feel they are trying to keep my money ( over {$2000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Often the programming within the bank 's website requires me to reset or reestablish my online banking password. Unfortunately, due to this four times I have had to either go into a store or wait until I was able to establish the account details accordingly. I have received four late fees but Victoria 's Secret Comenity Bank has only refunded me one of the four late fees assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
I believe Georgia law has not been followed concerning a Foreclosure. I believe I am going to be victim of a Wrongful Foreclose as of XXXX/XXXX/XXXX. I dispute the lender Calibur Homes sending a current notice that specify the default, action required to cure the default, 30 days notice to cure the default and that failure to cure may result in acceleration of the sums secured by the Security Deed. The notice shall further inform me of the right to reinstate after acceleration. Caliber Home Mortgage attorney provided me today XXXX/XXXX/XXXX with a letter from XXXX/XXXX/XXXX when the loan was with Vericrest stating an amount to be paid of {$3900.00} to be paid by $ XXXX/XXXX/XXXX to cure the default may result in acceleration. A chapter XXXX was filed as they had ignored the attempts at modification that had started with XXXX, then sold to Vericrest and I had to start the modification process over again and then sold to Caliber over a one year period. Caliber ignored my attempts and cont. to harass me by stating they did not have correct documentation, which was not true, and started the acceleration process, unless I could bring the loan current. I converted to a chapter XXXX and was discharged in the fall. Caliber Homes has accepted payments since the letter from Vericrest on XXXX/XXXX/XXXX and exceeded the amount of {$3900.00}. Caliber homes never notified correctly as I believe XXXX states. I do not feel I have appropriate time allocated to pursue a potential buyer whom has interest, or to have been given an specific dollar amount that needed to be paid to reinstate my loan. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 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: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that Key Bridge Medical Revunue has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Key Bridge Medical Revenue but I am unaware of the amount due and your bill does not include a breakdown of any fees.Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to Key Bridge Medical Revenue to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more that Key Bridge Medical Revenue is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I opened a XXXX credit card back in XX/XX/XXXX, in XX/XX/XXXX, after losing my job, I became delinquent in my account causing it to charge off. Once I became employed, I tried to make my wrongs, rights by paying off my debts. In XX/XX/XXXX, I made contact to the collection department of comenity bank. I was offered by the representative if I paid the settlement amount, he verbally agreed to remove from my credit report. So I gave him the payment information and he said that my report would be updated 30-45 from that date. Instead my account updated to paid in full. I 'm very grateful for that HOWEVER I was lied to just to get my money and because it was a verbal agreement, it 's Comenity Bank word against mine. I was told it was a recorded line but out of the numerous of times thru out the years I 've call, I get different answers, they refuse to pull the phone call stating they do n't keep phone records that far back or not every call is recorded. I 've heard it all. On top of that, they will not give me the agents name or who I spoke to. I agreed to pay which I did and they agreed to delete which they did n't. Many consumers that I 've spoke with has had the same problem dealing with this bank, they do n't stand behind what they say and as someone that is trying to build a future, it 's hard to have this disappointing credit line on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CBC Credit Services, Inc.
State: TN

Complaint narrative:
I get a medical bill on collection showing on my credit report that I do not have any knowledge of. I never received any invoice from doctor office just collection calls contacting me about this issue without any explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I applied for their " Public Service Loan Forgiveness '' or PSLF, program and I first applied in XXXX XXXX, was given a different number of qualifying payments. XXXX of my loans had XXXX qualifying payments, XXXX loans had XXXX qualifying payments, and XXXX loans had XXXX qualifying payments. I had to re-certify my PSLF paperwork in XXXX XXXX, which I did and it reset my number of qualifying number of payments. Since XXXX XXXX my account has shown XXXX qualifying payments for all XXXX of my loans. I have called FedLoans multiple times to fix the problem, I called them before XXXX XXXX to get the correct number of qualifying payments. I pay my bill on time and in full and it was always over the amount they were asking. It is now XXXX and the problem has not been solved. I should have at least XXXX qualified payments. Why should I keep paying my bill on time, if they ca n't do something as simple as update my account. I made the payments, so they should update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
We are in the process of purchasing a home and we started this process in XXXX of XXXX. I am legally XXXX and my name is XXXX XXXX XXXX and my Significant other is XXXX XXXX XXXX. We are in the final stages of closing but we have come across an issue that has been causing us nothing but headaches. XXXX XXXX XXXX was married and got a divorce back in XXXX. In her divorce decree her ex-husband agreed to pay those XXXX bills and unfortunately, he passed away and never paid those XXXX bills. XXXX was unaware of these XXXX bills had gone into collection. XXXX did address the one from XXXX for {$1000.00} and has been settled. The one for XXXX recovery has falling off her credit report. The issue that we are encountering is that Caliber Home Loans is running a supplement credit report and it is still showing both collections in dispute. This would be incorrect since XXXX has all XXXX credit reports from all XXXX credit bureaus { XXXX, XXXX, XXXX }. Caliber is using a XXXX party software from XXXX. XXXX was advised that to contact XXXX. On XXXX, XXXX contacted XXXX at XXXX and spoke to XXXX. XXXX stated that XXXX only updates its credit history every 60 days and that is why her credit history would be in accurate. We have requested that Caliber get an updated supplemental credit report numerous time and each the report comes back the same. Our loan officer and his staff have made very clear that they are unwilling to accept any other source { XXXX, XXXX, XXXX } printed report. I have spoken to a few other Mortgage Loan Companies and they have told me that they have a gap of no more than 3 days. It is very clear that either Caliber should not be using XXXX or that XXXX XXXX is discriminating against us. I a deaf and use equipment to talk over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PCS Receivables Corp.
State: TX

Complaint narrative:
I received a letter from Prime Acceptance Corporation on XXXX/XXXX/XXXX requesting payment for an account that was discharged in my Chapter XXXX bankruptcy back in XXXX XXXX. I 'm not sure why they are contacting me for the account 12 1/2 years later. I requesting verification of the account and they records clearly indicate the balance was in my Bankruptcy Chapter XXXX as of XXXX/XXXX/XXXX. My bankruptcy has been discharged along with this account and others so I 'm really upset that they would be trying to collect on a debt that was included in bankruptcy. In addition to that, the account is XXXX XXXX XXXX. Please assist with resolving this matter or refer me to someone that can. I also told the company to contact my attorney that was listed on the notification that was sent to them regarding my bankruptcy. In addition, the account was for an XXXX which closed a year later but moved to another XXXX center with men which I did n't sign up for, thus the company at that time agreed to cancelled the account. However, I wanted to make sure it was cancelled so I included in my bankruptcy filing so that I would not have any issues at a later date. So apparently they dis-regarded the bankruptcy notice since they are contacting me again about this account, or they sold it to this new company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I had an XXXX Credit Line. I paid for services and gift cards using the credit line. They filed for bankruptcy and closed down before the services/giftcards could be used and they are now going after me for the money./ I have called them and mailed stuff to them, but they just keep harassing me with phone calls at home, cell and work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 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: ResidentCollect, Inc.
State: PA

Complaint narrative:
I am in the process of applying for a mortgage and i found a collection from Resident Collect on my credit.I am not sure what this debt is for. I disputed it with all XXXX credit bureaus for the past few months as well as sent letters via certified mail to the collection agency asking them for more information on the alleged debt they are reporting. I have sent XXXX letters certified mail to which they have not responded to either dispute at all. Since they have not provided any information about this debt and i have never received any dunning letters from this agency i have no idea what they are reporting on my credit and it has resulted in a denial of a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: AZ

Complaint narrative:
Our current mortgage servicer is Caliber Home Loans. Their attorney notified us in a letter dated XX/XX/XXXX16 of a sale date of XX/XX/XXXX16. We are asking to have the XXXX XXXX date set aside until our loan modification application currently under review with Caliber 's Mitigation department XXXX, OK, has reached a conclusion. Caliber 's SPOC requested additional documentation as of XX/XX/XXXX16. It appears that my wife and I are victims of duel tracking. ( Please see the uploaded document entitled " complaint '' for further details )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Victoria Secret has reported with negative remarks and deliquency and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me. This account was noted as 30 days reported on XX/XX/XXXX. During XX/XX/XXXX -XX/XX/XXXX XXXX. During this time i attempted to make payment arrangements, using the credit card insurance to submit a claim to cover my account. Victoria Secret has passed me onto the credit card insurance company to submit a claim.I also attempted to talk to Supervisor on occasion several occasions. I was not able to resolve this issue and have contacted Victoria Secret and the credit card insurance department as well. Not only did I make payments for insurance in case something happened I was not able to utilized it. Please remove this negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
The city of XXXX, Ohio has now sent a collection amount to debt collection attorneys Weltman , Weinberg & Reis XXXX XXXX XXXX XXXX XXXX for a debt proven through bankruptcy lawyers that I do not owe. I lived in the city of XXXX from XX/XX/XXXX-XX/XX/XXXX in which they are stating I owe taxes for XX/XX/XXXX-XX/XX/XXXX in which those years I resided in XXXX, Ohio. The attorney office at the time which was XX/XX/XXXX sent proof of address to the city of XXXX to verify I only resided there for one year. I was evicted out of the place I resided at in XXXX and move back to XXXX. The city of XXXX prove my residence by sending statements to all XXXX addresses. So not only did the attorneys supply proof but also the city of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I payed this off I on XX/XX/2016 I want this off my account the store I payed was on Airline in XXXX XXXX XXXX TX please call to get this off my account thank you

Company response to consumer: Closed
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
Once again, my mortgage company, Caliber Home Loans, has failed to pay a tax that is covered by the escrow funds I pay. Once again they will pay this tax late resulting in late payments that my account has to cover.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lendmark Financial Services
State: MD

Complaint narrative:
ATTACHED IS A COPY OF THE DISTRICT COURT COMPLAINT FILED XX/XX/XXXX WHICH INDICATES ON XXXX UNDERLINED INDICATED IN THE SETTLEMENT AGREEMENT ALL ATORNEY FEES WERE INCLUDED IN THE XXXX PAYMENT AND THE LAST XXXX PAYMENT WAS MADE ONXX/XX/XXXX AND WE CURRENTLY ONLY OWE THE XXXX NO LATE PAYMENTS WERE ATTACHED TO THIS FIGURE ON THE STATEMENT AND THE ONLY REASON THAT XXXX WAS NOT PAID WAS BECAUSE LENDMARK KEPT ASKING FOR THE ATTORNEY FEES WE HAD ALREADY PAID AND ALSO THE XX/XX/XXXX PAYMENT SHOWED NO LATE CHARGES WHICH IS ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Chaparral Inc
State: OH

Complaint narrative:
I have had my car that is finance through XXXX XXXX XXXX for 2 years as of XXXX. Since XX/XX/XXXX the was no longer reporting. I have back in fourth for almost a year with the finance company and the credit buruea on which both are stating that are not at fault. I also back in XX/XX/XXXX submitted a complaint through this agency Consumer Protection and back in XXXX I stop receiving updates and no response of the status nor when I looked online.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Farrell Holdings, LLC
State: UT

Complaint narrative:
Prime Acceptance Corp makes call after call all day long from multiple phone numbers! I own a business and it 's very disrupting while I 'm trying to talk to my customers! They harass my wife in the same manner and she works in the medical industry!? This harrasing disrupts her while trying to deal with patients! This is not border line harassment it 's full blown harassment! 

Oh wait a minute! If this is not enough! If I do n't answer they call the people that you used for references and ask them where we are and are we going to pay our bill! BTW I HAVE WITNESSES!!! 

I am going to talk to my attorney and see if I can file a lawsuit tomorrow! No more Mr nice guy here! We have been putting up with their unprofessional, harassing behavior long enough! I need someone that can stop their bullying tactics and shut them down! 

Unfortunately some people respond to their harassing behavior like " We will reposess your car if it 's late 3 days if you do n't pay! HAPPENED TONIGHT! I do n't respond to threats! I told every person that I talked to today that I would make XXXX out of the XXXX payments! XXXX XXXX is a supervisor and she told me I 'd better change my attitude because she was the Collection supervisor and she would take our car off repo hold and start repossession action! 
Our loan is 3 days into the XXXX payment! 

We got behind because of the time of the year in our business and Ipaid {$2600.00} in the past 60 days and became current! I would think this should have shown our intentions and capabilities to these Harrassing Collection XXXX ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Immediate Credit Recovery
State: GA

Complaint narrative:
My interest rate is ridiculous. I only owed a little over XXXX but now I owe XXXX. I do n't understand how.

Company response to consumer: Closed with explanation