vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
Reference Caliber Home Loans # XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX On XXXX, XXXX I had originally called and requested assistance with my mortgage due to falling behind on my mortgage. I was sent paperwork that I original signed and filled out with the original requirements. I was told that I was going to be placed in a forbearance workout and not a modification. 
Since then, I had a change in circumstances in income. My spouse that was bringing in the additional income had left the home. I lost the additional income to meet the deadline of the agreement. I called XX/XX/XXXX, before the first payment was due, to inform Caliber home loans and uploaded additional documentation along with a letter of explanation as to the change in circumstances and spoke with XXXX ID XXXX. I was informed by XXXX ID XXXX that we needed to fill out the HAMP/Modification forms. Once the forms were completed I spoke with XXXX ID XXXX that confirmed receipt of the forms that were uploaded in your system. It was then the previous work out was to be cancelled and the new request of the Modification was to begin. 
I had my representative XXXX XXXX XXXX of XXXX XXXX XXXX call onXX/XX/XXXX and it was stated that no paperwork was received and we had to resubmit the paperwork for the Modification yet again. On XXXX XXXX XXXX called again and she spoke with XXXX ID XXXX who mentioned that the review process was done on XX/XX/XXXX and to follow up on XX/XX/XXXX to see who the new Modification rep will be going forward. It was also mentioned that a letter that was never received that was mailed on XX/XX/XXXX in reference to the cancellation of the original forbearance plan. 
While waiting for the additional information for the new request for the Modification there were no mailing, phone calls, nor emails concerning the update of the modification. My representative, XXXX XXXX, called on XX/XX/XXXX and spoke with XXXX ID XXXX who confirmed that the second request for the modification was included in the case of the forbearance plan and the Modification paperwork was not submitted yet again as requested. We had to resubmit the paperwork via Caliber Home Loan upload, via USPS and USPS Express in which we have confirmed. 
Since then I have received letters : - on XX/XX/XXXX -stating that we needed to complete the application process. Nothing stating either way of the new upload for the new request of the Modification. 
- XX/XX/XXXX I received a letter ( form letter ) along with a Modification package - XX/XX/XXXX-I received a letter from the XXXX XXXX claiming that my mortgage has been referred for foreclosure. 
Again this has been a very tedious process and I have done my part in communication and trying to get a modification for my home. My intent is to keep my home and maintain it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
I received a debt collection letter on XXXX XXXX from a debt collector by the name of Weltman , Weinberg & Reis claiming the I owed {$8000.00}. I sent this debt collector a certified validation letter on XXXX XXXX, however I was also served with a summon and complaint from this collector of which I answer the summons denying all claims of owning this debt. This debt collector ignored and refused to give me solid proof that this debt was mine. They continued to collect on this debt by filing a motion for a default judgement. I received a letter from the courts stating that the motion for a default judgement for the plaintiff was denied and that the matter was dismissed without prejudice. I did not hear anymore concerning this matter until a week ago when my wages was garnished resulting from this debt. This debt collector never validated this debt, they ignored my validation letter, and continued to aggressively pursue a debt that was not validated, and I feel this was a deliberate violation of the fair credit debt collection act. I am filing this complaint because they have violated the fair credit debt collection act with their false credit schemes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
Four and a half years ago, I attempted to short sale my property and vacated the residence. I let the bank know that I was unable to maintain the mortgage for the property as well. At some point the property was secured. XX/XX/2015 I was informed that Caliber Home Loans had taken over the home. I reached out to them to find out how to get the home out of my name and to find out if they would be foreclosing on the property. They could provide no timeline as to when things would progress, when they would attempt to resell the property or if they would foreclose. At this time I still have no information and am burdened with additional financial hardship because the home continued and still continues to accrue Condo Association fees since the time that I vacated. I have not received any documentation that it was still accumulating and thought that since the bank had taken possession and changed the locks that they would now be responsible. It was not until I found out a judgement was granted against me for over XXXX dollars and a they started taking XXXX % of my check each pay to pay the judgment amount that this was not the case. In the mean time the Condo fees continue to accrue. I do not know what period the XXXX even covered so I may be subject to more past due balances that I do not have the funds to pay. I spoke with a realtor to possibly relist the property as a short sale because I owe almost 3xs as much as the current market value and because of the lien/judgment she stated that this may not be the route I wanted to take due to the amount of time it could take to even get an offer which would then have to be accepted at a time when the market is low in the neighborhood in which this home is.. I am pleading to get the process moving forward to get this home foreclosed on or what ever the appropriate measure may be to get it out of my name and stop the bleeding with regards to the condo fees. I can not move forward with my life and start over until the bank does what they need to do with regards to home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Speedy Cash gave a loan to someone online using my name. They did not ask for any kind of ID and did no background check or they would have known that the social security numbers did not match. I called and complained after I received a bill from them. The woman informed me that they did n't need any Identification to give this loan because it was a low amount and the law in Texas allow 's it. So now my credit might be ruined or my identity compromised due to the way they do business. I let everyone I know know about this and of course XXXX of my friends are going thru the exact same thing at this very moment. This needs to be changed!

Company response to consumer: Closed
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: TX

Complaint narrative:
In the process of attempting to get a mortgage loan for XXXX people with FICO scores at XXXX and XXXX, we were given the run around in every manner you can imagine. We were operating under a 30 day escrow with a XXXX ARM. The lenders asked for everything in our history you can imagine. I 'm not against them doing their due diligence. They should have been doing it when they were falsifying records and looking the other way. But now along comes an honest buyer with great FICO scores we 've worked hard to attain. They held up the process with day after day after day of hassling us for more and more information that we finally had to stop the process and withdraw our offer. This was because I had to have a place to move to in California since the loan folks had assured me all was fine it was just a few more details. Weeks later, after I turned in our lease termination, they were still asking for information. The final straw was when they started asking for 2014 taxes ( for the XXXX time ) and then asked us to " explain '' my husband 's first job out of college ( 30 years ago ), my former married name ( 27 years ago ), and various other historical pieces of data from 15-30 years ago. They said it did n't match on different reports they had. But they did n't send us the reports so we could see what did n't match. And honestly a first job out of college from 30 years ago, what bearing does that have on current credit worthiness? They claim it 's all XXXX requirements, but I know that is not the case. It really seems they do n't want to make loans at good rates so they just make it impossible. 

And now they 've screwed up my credit report by having XXXX mortgage loan credit inquiries made, which do n't go away for 2 years. another way to make us " pay '' for just trying to buy a house. FICO says that loan mortgage inquiries are not included in its calculation, yet each of the credit reporting agencies stated that I had too many inquiries on my report that impacted my overall FICO score. Now i have to live with that for two years, or spend a week writing letters to no avail ( I 'm sure ). If this is a country that runs on credit then we are in deep trouble when the only people who can get loans are the ones who do n't pay them back. 

Please find some way to convince the mortgage companies to be more reasonable in the info they ask for and to remove credit inquiries after 3 months of no loan follow-through. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
This dept is not mine and its. Makeing my life miserable

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NV

Complaint narrative:
I have had an escrow account with Caliber Home loans and I am disputing the amount. According to the XXXX treasurer office, since my BK 11 confirmation date the servicer had only paid a total of {$8500.00}. My payment for principal and interest if {$790.00}. I made a payment of {$1200.00} on XX/XX/XXXX, which {$400.00} went to past escrow,, I made a payment of {$1200.00} on XX/XX/XXXX which {$400.00} went to past escrow,, Another payment of {$1500.00} was made on XX/XX/XXXX, {$700.00} went to escrow and another payment of {$1500.00} on XX/XX/XXXX, {$700.00} also going to past escrow. 4 payments totaling {$2200.00} should be deducted from escrow. Past due escrow {$8500.00} minus {$2200.00} should be {$6300.00}. 
Caliber sent me a letter stating the following : Please note, as indicated in our XX/XX/XXXX response, the loan was converted back to a non-escrowed loan and the escrow collection is no longer in effect. Since the remaining escrow balance of {$8300.00} was converted to an Ancillary Fee, there is no balance reflecting in your escrow account at this time. Also to note, Caliber received a payment on XX/XX/XXXX which credited {$400.00} towards the Ancillary Fee balance, leaving {$7900.00} as the outstanding Ancillary Fee balance In addition,, I have sent the XXXX payment of {$1200.00} and I paid the XX/XX/XXXX taxes today in the amount of {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
XXXX 2016 I borrowed {$200.00} from Speedycash using their online Installment Loan service. I have made several attempts to payoff the loan. Although the website publishes a way to payoff the loan at their website, my payment is not accepted. I have noticed my debit card has an incorrect expiration date so Intried to correct it but the response that is returned says the card number is already on file. I sent Speedycash an email to call me or fix the payment issue. I have received no response. I believe this is a deliberate attempt to prevent me from paying off my loan. 

I will make another attempt Friday, XXXX XXXX because another fee will be due Monday, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I paid my mortgage online at XXXX with Caliber Home Loans on XXXX/XXXX/2014 for XXXX payment. They did n't apply payment til XXXX XXXX which was at 31 day period. They have me as a 30 day late on the credit bureau. I submitted my payment well enough time for them to issue credit. This is not my fault my payment was submitted on a thursday they do not need that many days to apply payment. It was done online in there system. I have begged them to correct this 30 day late on my credit report they have now said that if they change it, they would be in violation of the laws made up by the credit reporting fair act. I 'm so mad.. its dropped my score so low, and I was n't late. Im attaching the proof of when I did my payment. I did n't read the date on there they were crediting the payment, I did n't feel I was in any jeopardy. I see it now but again I do n't feel they are right. I want this late removed from my report please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
My wife XXXX purchased something on her XXXX credit card toward the end of last year. We received the invoice. We made prompt payment but unfortunately we had an old XXXX account number on our Bill Pay. We requested a dispute process. Dispute forms were sent. We then went to gather the details from the bank and realized the error. The money that was sent to that wrong account number had actually been refunded shortly after payment. We called the credit card company back and explained what had happened over the phone. We agreed with the representative that we would pay the original amount and be done and we did that right on the phone and that we expected was the end of it. 

We have since received multiple bills from the company assessing new late fees and interest charges. We called to inquire and were told that we did n't return the complaint forms and they did not have record of that conversation with their operator. Therefore we would continue to accrue late payments and interest fees They confirmed they had received the payment though. When we asked them to check the records of the conversation assoicated with payment they refused. 

This situation is completely ridiculous. these are very small amounts of money and it is clear this is standard operating procedure for these guys. Any reasonable / reputable company what have consdiered this payment in full as was agreed on the phone. 

I have attached the following : ( 1 ) Bank statement showing good faith attempts to pay XXXX on XX/XX/2016. this included two payments attempts. One for the original balance in the amount of {$59.00} and another in the amount of XXXX which I believe was the balance with fees ( 2 ) the latest XXXX card statement showing fees added since we had agreed verbally to clear this issue by paying the original {$59.00} ( 3 ) the message I received from XXXX when inquiring what happened with the payments. I was trying to find out details of where the payments had gone and why XXXX had not received them. this is the point where we realized the mistake, called the XXXX card people back and THOUGHT we had taken care of it the way two rational adults would, but apparently not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Bank of America recently deactivated my ability to make payments online. They provided a number to call, but I never get through. I do not have time to wait hours to get a hold of anyone. I 've talked through email and online chat, but those individuals tell me to call the number again. I have n't lost any money yet, but technically I will be paying more interest if I have to mail by payment since they are making it inconvenient. I have never experienced this from my other banking relationships.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 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:
Myself and a family member opened up a joint checking account with Union Bank of California, now known as MUFG Union Bank, in 2002. The checking account was for the benefit and use of that family member. Subsequent to opening the account, that family member applied for and received a personal line of credit affiliated with the account. That line of credit, while not technically an overdraft account per Federal Law, is an open-end credit account that includes the ability to transfer funds from that account to the checking account and fulfills an overdraft protection function. According to Union Bank, I am listed as a joint account holder of the line of credit account even though I did not consent to that line of credit application. According to Union Bank customer service supervisor XXXX, Union Bank considers me to be jointly and severally responsible for payment on the line of credit account along with that family member just by virtue of me having a joint checking account with that family member. Union Bank refused to provide any substantiation of my responsibility for the balance of this line of credit.

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 non-monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I had a service done at XXXX, at the time the promotion was XXXX % off of XXXX. The way you create an account with them is by credit check and you have a limit amount you can use with the store. I was approved, and the way it was explained to me is as far as you do not make late payments you will not have any additional fees. 
I have made every monthly payment since XX/XX/2015, started at {$3600.00}. My XX/XX/XXXX statement was {$980.00}. Each payment has to be schedule because they do to allow an automatic payment, so it is easy to forget, either way I normally set 2 months in advance, because it will not let you set more than about 50 days of payments. The day the payment is received I get an email confirmation and the new balance, so I rarely go look at my statements. On XX/XX/XXXX I go to my account to set up a payment for the XX/XX/XXXX which is due XX/XX/XXXX and the balance is {$2100.00}. I look at the charges and it shows that I had an interest charge of {$1200.00} on my account XX/XX/XXXX which is in between statements. I immediately call their customer service and what I am told is that I had 4 days to dispute the claim. I was not aware of the charges ( I do not have a reason to go on the website if I set up payments for 2 months in a row, ) or of the end date of the " promotion '', or else I would have aid the account in full. I offered to pay my previous balance in full before the interest charges and they gave me no answer to this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: AZ

Complaint narrative:
XXXX XXXX, 2016, I recieved the letter from Weltman , Weinberg & Reis Co. , LPA and Current Creditor : XXXX XXXX. On XXXX XXXX, 2016, I contacted to them to find out whats going on and asked what is XXXX XXXX is? They explained what this company is, which I never had a member with XXXX XXXX or even I never sign with agreement contract with my signature to XXXX XXXX. Which I believe it 's FRAUD! Please help to FIX!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 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: Alorica Inc.
State: IN

Complaint narrative:
COLLECTOR KEEPS COLLECTING A DEBT NOT MINE AND RAN MY CREDIT W/O PERMISSION IN VIOLATION OF FCRA. ( SEE ATTACHED REPORT )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
We have a closed credit card account through XXXX. On XXXX/XXXX/17, this company repeatedly ( four times in a span of a few hours ) called from both blocked and unblocked phone numbers to harass my husband ( the primary card holder ) about receiving payment. Our payment was not even due until XXXX/XXXX/2017 and there was absolutely no reason for this company to be calling this often or to be trying to collect a payment that had not even reached its due date! I called the company and explained the situation on XXXX/XXXX/2017 and told them to stop harassing my husband and I over a bill that was n't even due yet. The customer service representative did n't even apologize and just told me she put a block on his phone number, but they could still continue to call my cell phone. I told them this was harassment and I was n't going to answer if anyone called because I was at work and the bill was n't due yet. I am very upset with the way this company tries to get in touch with their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged bank acct wrong day or amt — 
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
SPEEDY CASH XXXX promise if I paid off this account they would remove from my credit in 30 days however, refuse to do so after taking my payoff money. I was charge fees however, I told them that I only got paid once a month they charge me twice within a month over drawing my bank account.

Company response to consumer: Closed with explanation