vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
The collector did not identify himself by name, only that he worked for Portfolio Recovery Services and that he was with the " Litigation '' Department. He stated the call was recorded and that an attorney had reviewed the account. I then asked to speak to the attorney who reviewed the account and he immediately contradicted himself and said, " I said an attorney had NOT reviewed the account. '' We argued about what he said and suggested he review the FDCPA and he informed me he had performed that job for 25 years. I do n't appreciate being lied to, especially since this was under the guise trying to intimidate me the use of the statements " Litigation Department '' and having an attorney review the account. He knew what he was saying, and had I not questioned him about his tactics and statements he would have continued on. He was quite rude after that point and I stated since he was in the litigation department I wanted to have one of their attorneys review the account to which he replied, " So you 're saying you 're not going to make payment arrangements? '' I said, '' Do not put words in my mouth. '' I want your attorney to review the account, and he repeated his statement about making a payment again. I then ended the phone call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Repeated phone calls incoming from Portfolio Recovery from multiple numbers, including : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03 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: NJ

Complaint narrative:
Portfolio Recovery Associates XXXX has been leaving intimidating messages and has continued to mail treatening letters in an attempt to pursue a debt that is over, get this XXXX years old! 

The debt was jointly incurred in a marriage that no longer exists. The marriage was dissolved in the XXXX XXXX XXXX, State of New Jersey on XXXX XXXX, 2001. 

The statue of limitations on civil matters is two years. The statue of limotationa on bankruptcy is seven. Had I declared bankruptcy this debt would have formally been discharged. 

Yet Portfolio Recovery Associates is making a living out of these Zombie debts. What manner of human being would consider pursuimg a matter for this length of time. It is my contention that it constitutes harassment and since it was a debt incurred in a partnership that no longer exists, they have no legal standing. We will forget about the ethical standing of pursuimg a XXXX year old debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-20 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: VA

Complaint narrative:
My late husband open this account without my knowledge. He was XXXX and killed by police because of his XXXX, leaving me in debt and unable to pay his debts. I 've already had a voluntary repossession of my car. I will have to file Chapter XXXX bankruptcy is this debt is pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
KEPT CALLING ALL NUMBERS AND SKIP TACING ME IN VIOLATION OF FDCPA AND TCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: AL

Complaint narrative:
I sent request for information, for XXXX and XXXX XXXX mortgage statements, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/XXXX. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2016, I filed bankruptcy and the courts notified both Caliber Home Loans and XXXX but they are still trying to bully, strong arm and harass me publically by keeping the house on the auction market for a XXXX XXXX, 2016 sale at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I have requested a credit limit increase last month and never received any documentation regarding the decision. I called today to figure out why I havent been notified. I was transferred around at least 4 times before getting an answer. The representative stated the letters was never pushed through per recorded phone call. He stated I have a technicality as to why nothing has happened. He gave me a hint and stated the reason I have not got a credit limit increase is because of my Identity Theft Alert on my credit that is placed for 90 days. Even though i still should of been notified. I was then put back in the que and got a Manager on Duty XXXX. I explained to her that there is a Identity alert and the protocol is to call me at the number on file before granting credit to verify it is me. I have not been ntofied and Victoria secret is not following proper protocols regarding limit increases and I will take this matter to legal if needed. Victoria secret is lying about the letters that was supposed to be sent out. If legal action is taken, the post office can confirm nothing was handled by them to get delivered to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
This issue involves a company called www.billmelater.com I was alerted last year that someone had taken out a line of credit in my name with billmelater in 2012 and had run up a bill of about {$400.00}. I was told to fax a FTC Affidavit to XXXX and I did that and I was given the name of a XXXX XXXX at XXXX XXXX to call but I have never been able to get her on the phone. I would like this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I have a mortgage with Caliber Home Loans ( Account XXXX ). This Bank and prior banks are changing from Bank to Bank my account. I would appreciate if you help me to send to XXXX Bank. In XXXX Bank I have my checking account and is easier for me to pay my loans. I want to consolidate all my loans here. 
I also need your help to review my account in this Bank ( Caliber Home Loans ) because they are charging escrow amount that I am not agreed. 
Thanks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Department Complaint Department, I am having a six month dispute involving a cashier 's check dated XXXX XXXX, XXXX issued by XXXX payable to Caliber Home Loans for my XXXX XXXX, XXXX payment of my mortgage account that has still not been resolved. XXXX claims again as recently as XXXX XXXX, XXXX that they honored this check in XXXX of XXXX stating that Caliber Home Loans ran this cashier 's check through twice attempting to collect after is has already honored ( paid ). Caliber Home Loans claim as recently as today that XXXX has never honored this cashier 's check. 

Both financial institutions have completed investigations and their positions remain the same after more than six months. This has caused me unnecessary stress and has damaged my health as my home of more than 40 years is once again under the threat of foreclosure by Caliber Home Loans. I was advised to file an Incident report with the Sheriff 's Department which I have now done. 

I am trying to file a complaint with the Consumer Financial Protection Bureau, I have contacted my new U.S. Senator and the California Attorney General is hope of getting this matter resolved short of litigation. I am a senior citizen residing in California with medical issues. Please make sure that this complaint is properly filed and a case number is sent to me soon. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
My home is listed with a realtor to for a short sale in lieu of foreclosure. I listed the home XX/XX/2014. I moved out XX/XX/2014. Caliber bought my mortgage after I moved out. They have set a foreclosure hearing to avoid my " cash for keys '' RESPA settlement. Can they do this to me? 
Thank you. Please : this is not a " Duplicate '' request. 
Numerous offers have been made to buy my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Genuine Debt Solutions, LLC.
State: CA

Complaint narrative:
I have been receiving call repeatedly with threats of lawsuit. In the past I asked for written documentation, which they have failed to send. They have contacted family members who do not live with me. Very abusive messages. When I have talked to them, they are verbally abusive. I do n't like to respond b/c I do n't want to give personal information over the phone. I ca n't clearly understand the company they are calling from, which makes me more suspicious. I would send a letter asking the calls to cease, but I do n't want to let these people scam me. I am very scared. The numbers they have called me from are ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: ME

Complaint narrative:
XXXX/XXXX/XXXX emailed hardship application and supporting financials to Caliber XXXX/XXXX/XXXX Caliber requested rental agreement for rental income XXXX/XXXX/XXXX LOE needed for one item on the RMA XXXX/XXXX/XXXX Letter from Caliber acknowledging receipt of a complete packet, review to be conducted in 30 days, letter is attached XXXX/XXXX/XXXX contacted XXXX for status update, XXXX advised that the in house was completed but then they realized that this loan qualified for HAMP review ; file went back into review on XXXX/XXXX/XXXX XXXX/XXXX/XXXX Caliber advises file pending review XXXX/XXXX/XXXX Caliber advises need more information to complete review-additional docs send right in XXXX/XXXX/XXXX Caliber advises again more information There have not been any missing documents letters received by the homeowners. It has been nearly 90 days since the original packet was sent to XXXX ; XXXX review should have been completed prior to an in house review. We do not understand how they can get away with violating the guidelines. This loan is incurring additional interest and escrow advances making it more difficult to leave modification options available Caliber needs to be looked at for violation of CFPB guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
After suffering financial hardship due to divorce and reduced work hours, I requested my mortgage company to approve a short sale on my house. A foreclosure sale was scheduled in 14 days ( XXXX XXXX, 2016 ) but we had just received an offer for {$210000.00} that would pay off my loan with them ( Pay Off Amount is {$200000.00} ) and only leave them to pay part of the commission to the real estate agents and other closing costs. My agent sent them the purchase contract along with other documentation they requested and asked them to please postpone the foreclosure sale until they have time to thoroughly review the offer in hand and make a decision as to short sale approval. They informed my agent that since we only had 14 days until the sale and their internal process required 15 days to stop or postpone a foreclosure sale, they could not stop the sale. This is AFTER we had just told them we had an offer in hand from a qualified buyer. They still said because we only had 14 days, they probably could n't do anything. My agent told them all they had to do was pick up the phone and call the trustee and tell them to postpone the sale for 30 days and that should not take 14 days! I am furious and very confused as to why they would not just postpone this foreclosure when they know they have an offer in hand that will pay them off in full minus a XXXX dollars in closing costs. PLEASE HELP ME. I just need them to postpone the sale at this point, for 30-60 days, to give us time to get the short sale worked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
On XXXX XXXX, XXXX, I, and my former wife, XXXX XXXX XXXX, executed a contract for the purchase of a recreational vehicle in the State of XXXX. In XXXX, XXXX and I separated. As we proceeded towards divorce and a separation of assets, in XXXX the recreational vehicle was voluntarily returned to the finance company. No payments were made after the return of the vehicle. At no time did the finance company comply with XXXX laws regarding repossessions and serve the necessary pre- and post- repo notices, nor did it ever advise as to the disposition of the vehicle. However, in clear violation of XXXX law, Caliber Home Loan attempted to collect on this debt in XXXX. When I responded that they were far outside the statute of limitations, XXXX filed a XXXX with IRS. XXXX law is very clear that unless a finance company complies with all of the required notices, it is no longer in a position to collect on the deficiency balance. Caliber then stated that a payment was made in XXXX but that alleged payment is not listed anywhere in the account history provided to me by Caliber. Finally, Caliber mailed a statement stating " YOUR ACCOUNT HAS BEEN PAID IN FULL. '' When speaking to a representative of Caliber, I was informed that the account had been charged off and that no payments had been made. Further, this statement indicates that the recreational vehicle is now listed at an auction site in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I recently purchased a home with the intention of enjoying my retirement with my husband. Before I closed my husband passed away leaving me grieving for his loss and with half of my monthly income. I struggled to pay this mortgage for as long as I could before falling behind. The struggle has been difficult on me, I reached out to my bank in an effort to see if they would offer me any type of mortgage assistance. It was long before I found myself in foreclosure and denied for at least 3 modification requests. I finally decided to give up and sell my home- thats when I discovered that my mortgage is also upside down and had to request help with a short sale. I enlisted the help of a realtor and listed my home, I live in XXXX California and at times it takes homes a long time to sell. My bank reviewed XXXX offer on my home and countered the buyer XXXX on their offer- the buyer increased their offer XXXX but the bank denied it saying that I have a sale date approaching and that they would rather foreclose. All I want to do is avoid foreclosure and I feel like Caliber couldve of worked with us a little better and been less aggressive given my circumstances. the offer that was presented wouldve almost payed them in full and I couldve avoided having a foreclosure on my record that will follow me for at least 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: CURO Intermediate Holdings
State: OR

Complaint narrative:
Rapid cash I did n't have money when the check came through, called and made a payment plan, the stupid company did n't cancel the check once I made my payment plan ; on that schedule day to make my arrangements payment, they stole my XXXX that we agreed that I would make arrangements on and they took the XXXX $ that I agreed to cause I bounce my check. called to try to get them to give my money back. It will get credit back when the check that did n't clear post well it posted and the XXXX $ posted and all this happen XX/XX/2017 and it 's the XX/XX/2017 and I still do n't have my money .. 
I hope the consequences of them breaching a contract is just as harsh as if I decided to steal the money the way they did

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-13 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc.
State: TX

Complaint narrative:
They added a negative line to my credit for a bill that the insurance paid. I never even received the overdue bill from the hospital prior to them applying it to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: VW Credit
State: KY

Complaint narrative:
On my credit reports with XXXX, XXXX, and XXXX is a repossession from Volkswagen Credit , Inc. with a deficiency balance of {$2000.00}. 

I previously disputed this account information in XXXX 2015 with all XXXX credit reporting agencies and Volkswagen Credit , Inc. verified the accuracy of the account with all XXXX credit reporting agencies. 

I then sent letters directly to Volkswagen Credit , Inc. to attempt to resolve this matter. It should be noted that each credit bureau lists a different contact address for Volkswagen Credit , Inc. which obviously complicates the resolution process. Of the XXXX letters sent, XXXX was returned to me by the USPS as an invalid address ( which is a violation of the FCRA for a creditor to fail to provide proper contact information in a credit report ) and the other XXXX letters were ignored. These letters were sent Certified Mail, Return Receipt and I received confirmation of delivery for the ones delivered. 

A subsequent follow-up letter was also ignored. 

On XXXX XXXX, 2015 I sent Volkswagen Credit , Inc. another letter, to their Collections/Recovery/Credit Reporting department in XXXX, XXXX. In that letter, I reminded them of their obligations : Under the laws of the State of XXXX, the Uniform Commercial Code, and State RISA and MVISA statutes : A deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I requested such documentation be provided within 14 days, as is my right. 

As no such documentation was received by me within the allowed time-frame, the alleged claim of a deficiency is considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

Company response to consumer: Closed
Consumer complaint received 2016-08-13 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: VW Credit
State: MO

Complaint narrative:
I had an auto loan with VW Credit for our XXXX XXXX mini-van. At the conclusion of that loan I deliberately refused payment on the final XXXX of XXXX payments ( {$840.00} ) of my auto loan because VW would not repair an ignition recall as they could not provide an adequate engineered part. I paid for this repair out of my pocket and sought civil suit against VW for repayment which we settled in XXXX of XXXX. 

While I was attempting to get our ignition repaired I refused to pay the XXXX ( {$840.00} ) of XXXX payments to VW Credit until I was reimbursed for the recall which I paid out-of-pocket. Since I refused to pay, VW Credit sent harassing letters and phone calls insisting I repay the final debt. I was very clear of my reason not to pay the debt was because VW refused to reimburse my out-of-pocket expense for the failed recalled part. VW Credit began calling several of my neighbors on our street advising who they were and that they were attempting to contact me regarding an unpaid debt. VW Credit calls to my neighbors is a practice known in the collection trade as block parties and is intended to create public shame on the consumer, but in reality is legally slanderous and is deemed an unfair practice in violation of the FTC 's Fair Debt Collection Practices Act ( 804 Acquisition of location information ; 805 Communication in connection with debt collection ). I contacted my Missouri XXXX regarding this violation of the FTC Fair Deb Collection Practices Act to which VW Credit responded AND ADMITTED to this illegal block party practice in an XXXX XXXX, XXXX memo. I have a copy of VW Credit 's ( XXXX XXXX 's ) XXXX/XXXX/XXXX response to our Missouri XXXX. VW Credit said in the memo, " VW Credit stopped these practices in XXXX XXXX, we updated our procedures so that we no longer contact neighbors in an attempt to locate a customer ''. Unfortunately our Missouri Attorney General continues to investigate my complaint and has taken an unnecessary amount of time since VW Credit in their XXXX XXXX, XXXX memo clearly admitted to the illegal practice.

Company response to consumer: Closed with explanation