vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: AL

Complaint narrative:
I sent request for information, about escrow received in the amount of {$890.00} 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/16. 

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 2015-04-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: National Asset Advisors, LLC
State: GA

Complaint narrative:
We fell behind on our mortgage after my husband could n't work due to XXXX. The company had worked with us before and took a partial payment of about {$3500.00} sometime in late XXXX and refused to accept a partial payment this time. In XXXX XXXX we paid our mortgage company, National Asset Advisors , LLC {$8800.00} needed to keep our home. Our balance was listed as {$0.00} Not even a month later we receive a bill saying we were delinquent {$390.00} and owed {$790.00}. At this point I discovered that my husband had asked to have our payments placed on bi-weekly schedule. This was the cause of so many late pay fees. I asked to have the payments placed back on a monthly schedule so that if late we would only pay XXXX late fee as opposed to XXXX. I was told this could n't be done. I explained that we would always be late because my payroll schedule is once a month and the amount dependent upon my quota. The company still refused to change the payment schedule and continues to tack on late fees. 
In XXXX we received a bill saying we owed the company over {$3000.00} for mortgage payment, late fees and attorney fees. I disagree with this. We had a {$0.00} balance in now we are at {$3000.00} delinquent?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
In XXXX 2017, my identity was stolen, and used to open a series of fraudulent credit cards. One of them was a " XXXX '', issued by XXXX. Having contacted them and explained the fraud, they informed me that the identity thief had been granted immediate credit in excess of {$1000.00}. 

Instead of immediately closing the account and expunging the debt in accordance with FTC and consumer law, I was informed that the account would remain open for up to 90 days, during which time the fraudulent balance would still stand. I would still be billed, and would still be found legally responsible for this fraudulent debt in my name. No other credit card company took these ridiculous steps, even those for which the falsely obtained debt exceeded {$3500.00}. As I have no intention to pay debt for which I am not legally responsible, and it was indicated that the matter would remain open for 90 days, it is now a real concern that this matter would adversely affect my credit report. 

I have already filed a separate FTC complaint regarding the theft as a whole, but the actions of XXXX in particular currently stand as a real and pertinent danger to my credit, all because the organization refuses to take responsibility for their facilitating the theft. It is my hope that they can be made to comply with the law, fully and completely cancel the fraudulent account in my name, and erase the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc.
State: TN

Complaint narrative:
I recently received a letter from this company demanding payment for an account I have no knowledge of.To my knowledge I have never done business with this company and they have never provided me any goods and or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I had fallen behind on payments on my XXXX card ( Comenity Bank ). In XX/XX/XXXX they offered me a 1 year hardship plan. Monthly payments would be {$40.00}. After 3 months and 3 months of successful payments, they said my account would reported as current and all previous late fees would credited to my account. I agreed to the plan, and made successful {$40.00} payments in XXXX, XXXX and already made XX/XX/XXXX 's payment. 

Today ( XX/XX/XXXX ) I was contacted by them saying they made a clerical mistake when they enrolled me, and that I was never enrolled and that my account was 4 months passed due despite the payments I made. They acknowledged the clerical error, but told me they could n't fix it, all they could do is re-enroll me and that I 'd have to make a second XXXX payment. This is n't right at all, no desire to fix the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
In XXXX XXXX I received a court summons from a lawyer for Speedy Cash for a Pay Day loan I owed on. I received this notice through my employer at the time and was being garnished. I was not warned and was given the notice after the 10 day time line to dispute. the loan was {$500.00}. With legal costs, fees, and collection I was ordered to pay {$880.00}. As of my last check with my company, because I was laid off, they received a total from me which a balance ended in a balance of {$240.00}. I was not aware of that at the time. I was under the impression I was paid off. From XXXX XXXX to the start of XXXX XXXX, I was n't aware the collector was incurring legal fees and interest. I was notified by my current employer at the beginning of XXXX XXXX with a court summons, that I was to be garnished immediately and now owe {$630.00} and they could still tack on interest which may never pay off this debt. The collector filed back in XXXX XXXX. I was never served or notified about this until my employer did. This collector waited 7 years before even attempting to collect from me again, gouged me with interest and fees in the process and waited 9 years and sued to garnish. I understand I am responsible for a debt but, I also understand a company should not take advantage of its consumer. I am a single mother with a very low paying job to make ends meet. I was willing to make arrangements when I spoke to the company in XXXX XXXX. They refused a settlement and I did not agree with their collection practice. They also deny I ever contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Call repeatedly daily, sometimes every 20-40 minutes in between and even blocking the number at times. When my wife answers they ask for my attorney or legal representative. Make threatening statements of lawsuits, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 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: Alorica Inc.
State: MO

Complaint narrative:
west assett management, a third party debt collector had attempted to collect a invalid debt for a cell phone account bill which had been settled years previous and the account closed with a {$0.00} balance. Please reference Case number : XXXX, after discontinuing collection activity for this account, they sold this invalid debt to another third party collection agency, XXXX receivables. This new collector is now attempted to collect for the same invalid, unverified and fraudulent alleged debt. XXXX receivables failed to properly notify of intent to pursue collection attempt, or provide notice of right to dispute. Without properly verifying accuracy or validity of alleged debt, the company reported to the credit reporting bureau 's that the debt was an unpaid account in collections, this improper information was reported on my credit report improperly and the alleged debt itself was fraudulent and improper due to having been re aged to appear as if the account and debt were recent, and the balance reported as owing over {$700.00} when in fact I provided documents clearly showing a {$0.00} balance and date of last bill from 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
XXXX collections from California Business Bureau are on my credit reports. The hospital made billing errors with insurance co and should not have reported these. They corrected the problem, sent me an email explaining they had contacted collection agency to remove. I also got a letter from the collection agency apologizing and promising to remove negative info. Letter dated XXXX/XXXX/2016. This has not been done, All XXXX credit bureaus told me they have not been contacted by collection agency. This is a significant error on my report and has caused me other credit problems, lowering of credit limits, credit denial. All I want is this fixed by removing these. There are collections that are also incorrrect. Can you give me attorney information that I may contact here in XXXX XXXX to help me with these. It is very tiring and time consuming and I am ready to hire a professional to handle this for me. When I called the collection agency I was handled very rudely by some female who may or may not have been nothing more than a secretary. It was apparent she had no desire to help or even cared that I was concerned about correcting this issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I went to Union Bank XXXX XXXX XXXX on XXXX/XXXX/2016 early morning. I asked XXXX XXXX to reissue a cashiers for me because the spelling of the name of recipient was wrong. She rejected, and told me to go to downtown Union Bank that issued the check. I am so surprised that same Union Bank do not honor its own check. 
I had no choice but went to downtown LA Union Bank, the traffic was so bad, I stuck on freeway over an hour due to the oil pipe was leaking. Union Bank LA told me that any Union Bank shoud issue another check for me. 
I went back to XXXX XXXX Back in the afternoon. After I told my story, branch manager told me that he wanted to hear what XXXX XXXX said instead of checking the record to see if I went to XXXX Bank. He said that he will coach XXXX XXXX if it is true. I believe he should coach XXXX XXXX before she started working in Union Bank. Anybody with brain should not reject the check of its own bank. I was so surprised what a branch manager did to me, so I said no wander the teller did what she did. He said to me immediately that he did not believe what kind of customer I am. He encourage me to complain against him. 
My checking account # XXXX XXXX XXXX Extra Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
This is our second complaint regarding our mortgage company ( Caliber Home Loans ) and our efforts to secure a loan modification. Our original complaint # was XXXX. We are submitting another complaint as we continuously believe that the escrow amount that Caliber has assessed is more than XXXX what is needed to cover all taxes. As a result of our original complaint, Caliber claimed that the total of all of our taxes are {$580.00} per month which we agree with. They are adding {$880.00} onto the {$580.00} for a total of {$1400.00} just for our escrow. This is more than than XXXX what is necessary. Consequently, our total mortgage payment is ridiculously high ( {$2300.00} ). We have been trying for some time to get a loan modification with Caliber. It has been difficult to say the least, and efforts to get any questions answered via phone is impossible as customer service representatives are unable to answer questions or direct us to someone who could answer the questions. Caliber recently offered us a loan modification agreement which resulted in the {$2300.00} per month payment which included an interest only payment of {$200.00} which we understand and {$690.00} which is an ancillary payment over a XXXX month period to cover taxes paid on our behalf. We understand this as well. Then, an escrow payment of {$1400.00} is being added onto that for our current and future taxes. The total of our taxes per year is {$7000.00}. When we reviewed Caliber 's breakdown that they revealed in the original complaint, {$580.00} per month was necessary to cover the {$7000.00} taxes for the year, and then they added {$880.00} per month onto that for a cushion. We feel that this escrow payment is ridiculously inflated and unnecessary ; however, Caliber will not consider a review to possibly reduce it. At the end of the year, with an escrow payment of {$1400.00}, we would have accumulated {$17000.00} which is enough to pay this year AND next year 's taxes and STILL have some left over. We just do n't understand this at all. Please please please help us with this. We appreciate any help you can give us. To be honest, we are totally disgusted with Caliber Home Loans, and we do n't trust them at all. The loan modification process was a nightmare as they told us that they do not participate in President O'Bama 's modification programs and would have to rely on their own in-house programs. We have watched unexplained charges accumulate at an alarming rate over the course of a year as well. We did n't choose this company, we inherited Caliber. At this point, we just want the truth and an honest loan modification that we can trust and have faith in. The fact that Caliber representatives can not answer our questions or direct us to someone who can is so alarming and has us believing that this company is dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
I have dealt with this company before. My paydays are on Thursdays. This is the date that I want it taken out. When I signed up for this loan they did not tell me they were going to take it out on Mondays till after I got the money. Now I am charged banking fees on top of the loan fees. 
Bank of XXXX, XXXX IL. charges XXXX for each charge that is in the negative I called them an told them this and they refuse to move the date

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NV

Complaint narrative:
Once my XXXX was confirmed on XXXX 2009, my lender failed to send me monthly statements with the new amount. It took many letters and calls and over 6 months before I received my first incorrect statement. 
According to the BK court, XXXX XXXX XXXX, modified the existing loan to be {$790.00} and the Debtor will pay the taxes for the property. 
The Debtor paid the taxes for the first year, but XXXX ( the previous bank ) still charged the Debtor for the taxes. 
Since then the banks never allowed the Debtor to pay the taxes and the new lender informed me that they have no records previous to them taking over the loan. 
The new lender is currently Caliber home loans and they told me that I owe them {$13000.00} in back taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
XXXX was the servicer of my loan, it was sold ( to whom, I do n't really know ) and XXXX became the servicer. XXXX accept my loan modification as '' complete '' but in fact, it had no signed IRS tax transcript request and no signed Dodd Frank certificate. No signed IRS Tax Transcript request, and neither XXXX nor Caliber ever wrote to me to say this form was missing. MY RMA was denied, by Caliber for HAMP and then later, an in house mortgage. Caliber is now asking me to send in everything again. Therefore, they denied an incomplete application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
Caliber services my present loan. They reached out to me to refinance. I went through the whole process including paying for an appraisal. They gave me a loan committment promising the terms of a refinance. They initially set a date but never sent the loan documents. They promised a new date to be set and that is when all communication stopped. Repeated attempts have been made by myself and my attorney to communicate with Caliber and they continue to ignore both of us. The process began XX/XX/2016 and my loan processor changed several time. Communication ceased XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
Today it was brought to my attention that a mortgage company has been reporting to all XXXX credit companies. I 've never had a relationship with the company called Caliber Home Loans, but they have been reporting as if I do for the last year. I did previously own a property with XXXX XXXX XXXX, but as of XXXX XXXX I was discharged and cleared in the United States bankruptcy court in XXXX NC. I was discharged from XXXX XXXX XXXX and all other debts. At the time of XXXX XXXX, I gave up all rights to the property and debt and had not lived in the property since XX/XX/XXXX. So it crazy to me how a Rep at Caliber Home Loans by the name of XXXX XXXX number XXXX, told me that they acquired the loan from XXXX XXXX XXXX as of XXXX XXXX, A whole year and a half later after my BK was discharged. XXXX XXXX stated that my BK did n't discharge me from the property, all it means that they ca n't collect the monies on the property that was owed before my BK, but that they can continue to report this loan to the credit companies, and that they can collect funds on the property since the discharge of BK, but If I want to go on a payment plan, modification she could help me cause If I called another department no one can speak to me because her department is the only one that can handle my calls. I told her, I did n't need her help because I gave up the property and that the property was discharged in BK. After I stated that XXXX XXXX, became disrespectful, rude, and used foul language to me and placed me on hold without asking and never came back to the phone. I just ca n't believe that this is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
I initially filed a claim against XXXX. They informed me that " the mortgage was sold and servicing was transferred to XXXX, XXXX XXXX XXXX, XXXX. This has lead to a Summary Judgement for Foreclosure. The Sheriff Sale is pending now, for XXXX XXXX, XXXX. The listed Plaintiff is TRUST, c/o XXXX XXXX by assignment. According to an independent Forensic Loan Audit, the " mortgage was in Violation of the " FTC Act and Unfair & Deceptive Acts and Practices. '' Some of the specific Violations cited were 1 ) Unconscionability, 2 ) Duty of Good Faith and Fair Dealing, 3 ) Unfair and Deceptive Acts and Practices, 4 ) Preditory Lending, 5 ) Lack of Due Diligence in Underwriting, 6 ) Inappropriate Loan Program, 7 ) Deception, Fraud, Unconscioable, 8 ) Equity Stripping, 9 ) Targeting, 10 ) Acccording to the Audit, the lender Violated section 5 of the Federal Trade Commission Act. A copy of the Forensic Loan Audit is attached ; a partial list of excecive collection calls, after contact ; Letters re : Request for " Validation '' of Debt.or stop contact ; copy continued contact. & response to request..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
I am requesting that Caliber validates this debt by providing a copy of the written instrument, endorsed, front and back, not a copy of an Assignment that was never ( as of today, XXXX XXXX, 2016 ) recorded in land records. This is my THIRD request to Caliber to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Siwell Inc
State: CA

Complaint narrative:
Capital Mortgage received a payoff request on XXXX XXXX from XXXX XXXX and did not process my request until XXXX XXXX causing additional cost to my loan. 
I 'm not sure why it took Capital until XXXX XXXX to process my payoff request when it was submitted on XXXX XXXX with my authorization. The additional prepaid interest cost on my loan is {$1100.00} as opposed to {$57.00} if I had closed on XXXX XXXX as planned. Now I have to close an FHA loan in the middle of the month. XXXX XXXX XXXX has generously offered to pay for my interest owed to Capital Mortgage until they can pay loan off. Capital Mortgage should be responsible for charge applied to my loan for missing the payoff deadline of 10 days. 

In addition, Capital Mortgage charged me an extra 2 months of PMI of which they have credited now however If I did n't call this out they probably would not have credited me the amount of {$350.00} x XXXX.

Company response to consumer: Closed with explanation