vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-28 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The debt collector called and told me that if I did not set up a payment arrangement that second that they were going to send out the police and have me arrested for credit card fraud. I did nothing for I talk to the credit card company and try and set up payments but they would not accept my payment because I can pay them only what I could which was minimal. Even the debt collector would not accept my payment because they said they were too small and I told him that was all I could afford yet they still threaten to have me arrested in the IRS come after me if I do not pay this. It 's in the amount of {$840.00} and its portfolio recovery and they have not made a formal notice that the amount what the date is for and everytime I ask I wo n't tell me they just say they have the dead in their office and it 's {$140.00} and I need to pay it now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Got a call and voicemail from XXXX. No caller ID and asked me to call back XXXX and gave me a case #. Upon calling back they asked me to verify my address, SS # etc. I did not disclose any information and I asked what this was regarding. They said they needed to verify my case before they could give me any details. Then they asked about an old account/tradeline that was paid in full and closed in 2008 9 years ago. I told them this debt was paid in full and I no longer wish to speak with them. They were threatining to sue me and stated they sent an " official '' document to my address 45 days ago and because I did not respond with 30 days they are suing and I will be arrested immediately unless the debt is settled. I then explained the debt was paid 9 years ago and I am no longer interested in speaking with them about this matter. They hung up. I am concerned that I am a victim of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 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: NV

Complaint narrative:
Portfolio Recovery has called me ftom more than XXXX different phone numbers to collect an old debt. The debt originated XX/XX/XXXX and dropped off credit bureau reporting XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I received a letter from Portfoilo recovery on XXXX/XXXX/2015 claiming I owed a bill, I sent a written dispute along with their dispute letter. They claimed they did n't receive it, however with speaking to reps from portfolio recovery they stated my account was in dispute, however I received a second letter regarding the same claim to collect money for the same claim that is in dispute. I have sent copies of the original dispute letter to Operation Manager by his request on XXXX/XXXX/15 after speaking to him on the phone. He replied to my email that it would be forwarded to the Vice President of the company, this alone shows proof that I disputed this claim upon receiving the XXXX letter. I have been called as well after disputing my claim. This is the 2nd time I have been contacted, once by phone and a second letter after submitting a dispute letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JAMES B. NUTTER & COMPANY
State: FL

Complaint narrative:
I have been trying for the past five to submit a request for assistant for my client who has a reversed mortgage with James B. Nutter & Company. I submitted all of the information requested by the Mortgage company including an authorization to release client information from my office. I was told that they would not use my Authorization, I have to use their own authorization. They forwarded to my their authorization and I completed. Thereafter, I was told that was the wrong authorization, to resend them a letter with my company letterhead that I represented the client along with the original authorization that I sent them the first time. Again, It has been over four months I am yet to be approved by James B. Nutter to get information on behalf of the client. At the present, the property is pending foreclosure. My clients do no want to lose their house. I need your held in assisting myself and my client.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
A representative called me earlier today, XX/XX/2016 in which they hang up quickly after I said I did not what they were calling about. At XXXX, XX/XX/XXXX, I called back and spoke with a rep, did not understand what she was trying to say her name was. However, I did hear her say several times she was going to sue me on the old debt and that the creditor was XXXX XXXX XXXX and XXXX. I need management to listen to this conversation because I recorded it and will be seeking an attorney for suit. I am XXXX years old and will not tolerate being treated this way. I have asked that calls be ceased previously and now I am receiving called from Portfolio Recovery Association threatening suit. My income is XXXX social security income without assets. My children take care of me financially. I would think this information such as assets, checking account employment would be verified before threatening. I am certain Social Security benefits can not be garnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am daily receiving phone calls from Portfolio Recovery. No messages are ever left. When I block their number they call back from a different number from a different state.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC
State: UT

Complaint narrative:
Multiple calls daily from lender even you are only a day late ( XXXX calls a day ) robo calls and hangups as well. They do not report to credit correctly as required and agreed in the contract. Predatory lending they target low income and minority. They hold payments past the due date and do not apply to the account so they can collect a late fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: MN

Complaint narrative:
I submitted and it was confirmed that all documents requested were received and on XXXX XXXX, 2015. Caliber was supposed to cancel the sheriff 's sale date set for my home on this date, it is now XXXX XXXX, 2015, the Caliber web site states the following about my account : " At this time, all necessary documents to complete the review of your request have been received by Caliber Home Loans , Inc . The review will take up to 30 days to be completed and a decision provided to you. '' Again, it is now XXXX XXXX, 2015 and will be XXXX XXXX, 2015 on Monday. Caliber has not cancelled the sheriff 's sales as required by Minnesota law. My HUD agency and housing specialist at XXXX XXXX XXXX, XXXX XXXX called Caliber to inform them that Minnesota law requires their cancellation of the Sheriff 's sale once a modification review begins and all documents are received. XXXX also called Caliber 's law firm : XXXX, XXXX, and XXXX at XXXX to inform them that Caliber is breaking the law by not cancelling the sale once all mod documents are received and a review is underway.

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

Complaint narrative:
HI my name is XXXX XXXX. On XXXX XXXX, 2016 i received an email from XXXX XXXX stating that a new credit card account was added to my account, in which i have n't had any new ones opened in over a year. So i took the time to look at what it was talking about, and i found a Account for Victoria Secrets, I have NEVER had any account for them ever. I looked further into it and found that Comenity Bank added my Boyfriend XXXX ( Card/Account Holder ) Victoria Secret Account to my credit report, in which, i am not on the account in anyway besides that i am allowed to speak with them regarding the bill only. not allowed to do anything else with the card. They Added me as a Authorized user WITHOUT my permission and without my boyfriends permission. They got My SSN & my Address somehow WITHOUT my permission and used it ILLEGALLY to add and Account that is NOT mine in anyway to my credit report and i 've sent them a letter to remove it and said they ca n't because i am authorized on the account to SPEAK with them. ( I am only allowed to speak with them, I am NOT JOINT on the account in anyway either. Before i got my lawyer involved he told me i need to report this to FTC and the directed me to contact you guys. This needs to be taking care of, it has taken a very big toll on my credit score and i am very unhappy that i have to deal with something like this. Let alone what Comenity Bank has done to me is Illegal. Please contact me back ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I recently applied for a refinance loan through my local credit union and was denied because XXXX-XXXX card reported last year that they closed an account of mine in XXXX due to bankruptcy. I had a bankruptcy fully discharged in XXXX. Now this report looks like I have a bankruptcy in XXXX thus impacting by credit and ability to borrow money. I also contact XXXX directly because this only reported like this late last year and never showed like this beforehand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
In my XXXX past complaints with the cfpb about Caliber Loans, I received XXXX, conflicting responses to the same question which only adds to my confusion. According to Caliber, XXXX no longer owns my loan, yet Caliber has not registered this wit h XXXX land records. Their response was when it goes to sherrifs sale and is sold, then the transfer witll take place and that it was registered on XXXX XXXX and is pending. As soon as it goes through, I will be notified. As of XXXX XXXX land records has no record of this. 
Which is it?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
Affiliate Asset Solutions mailed me a letter to collect {$20.00} and {$18.00} for an emergency room visit on XX/XX/2016. I wrote back to dispute the validity of the debt because I paid the amounts described on XX/XX/2016 to the original creditor, XXXX. I provided a printout of the original creditor 's web account showing I paid the listed amounts and that I paid a total of {$240.00}. Affiliate Asset Solutions responded with a letter indicating that the original creditor showed the amount owed was XXXX, but that the balance due was the total {$1300.00} billed because the account was charged off as a delinquent account. The bill Affiliate Asset Solutions provided as proof of debt misrepresents the amount owed to the original creditor because XXXX has already paid the contractual amount of {$240.00} and I paid the patient portion of {$240.00}. Affiliate Asset Solutions is collecting more than the amount originally agreed upon in writing between XXXX and XXXX. I was assured by my health insurance that I may not be billed the difference between the amount billed by the original creditor and the contractual amount allowed by my health insurance provider. Affiliate Asset has also listed the alleged debt at both {$38.00} and {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: DC

Complaint narrative:
I originally had a mortgage with Country Wide mortgage. The company was taken over by XXXX XXXX XXXX. I had paid the mortgage on time for a while. Then a few years later I started having financial problems. I tried negotiating with my motgage company and they appeared to want to work with me. As time went on I applied for a loan modification. They sent me a modification package. I filled it out and they was always some technical reason for not granting the modification such as not a complete file or the package being mailed or faxed a day late. This excuse went on for long time, My XXXX servicer was a person named XXXX XXXX. After her I had XXXX other case managers, I hired a modification specialist to handle my case and they filled out some papers ang gave me some advice for over {$3000.00}. I think I was ripped off because I did n't get any results from them. The modification process dragged on until the begging of this year when I sent a letter that my note was sold by XXXX XXXX XXXX to an investor and that Caliper Home Loans would be the servicer of the loan. I calll them and spoke to a customer representative and told her that I was interested in modifing the loan. I was sent a letter in the mail. I filled it out and mailed it out to Caliper homes in XXXX and I was waiting on results as far a my modification decision. But during this memorial day weekend someone changed locks on my home after I left that morning. I would like for someone to help me so I can resolve this issue that has been going on for years. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management ( MCM ) has inaccurately been reporting an account to my consumer credit reports. I have contacted MCM multiple times via mail about this account 's invalid status. This account is far past the 7 year period allotted by the Fair Credit Reporting Act ( FCRA ). MCM is in violation of the FCRA by reporting an account past the given time period. I have also disputed this account through the credit reporting agencies to no avail. I respectfully request that this inaccurate tradeline be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
BEING XXXX BY CASH CALL ON A INSTALLMENT LOAN ... //

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
I had a Real Estate mortgage with XXXX in XXXX. In XXXX I filed for Chapter XXXX Bankruptcy. In the Chapter XXXX Bankruptcy I surrendered the Real Estate Property to XXXX, the bankruptcy was discharged in XXXX, XXXX. In XXXX Caliber Home Loans, Inc. bought the Real Estate Loan from XXXX. In XXXX, XXXX I began receiving late statements from Caliber Home Loans. I had contacted Caliber asking that they stop sending me statements, that the loan was surrendered in Bankruptcy. I had gone to court on one occassion and informed the representative of Caliber Loans that we had surrendered the property. The attorney 's office was to inform Caliber. Caliber stopped sending statements. However, Caliber was reporting late payments on my credit reports. I called Caliber and told them that they could not report late payments on my report due to the Bankruptcy rule and gave them my case number. They actually refused over the telephone. As of XXXX/XXXX/XXXX, the Account Status on my XXXX Report was " OPEN '' and Payment Status was " LATE. '' Although Caliber Home Loans flagged my credit report on XXXX/XXXX/XXXX and states " account as BANK ADJUSTMENT / DEED IN LIU / BANK LIQUIDATION '' my Credit XXXX score is and has been affected all these months due to their negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
working with Caliber Home Loans was the most XXXX and horrendous process that I have ever dealt with for one of my clients. As a XXXX, we deal with many lenders on a weekly basis and I will NEVER recommend Caliber to another client. In fact, I will strongly discourage any client, friend or family member to do business with Caliber based on the service that was provided on this transaction. 
XXXX XXXX, who is the branch manager in the XXXX XXXX office, needs to be instructed on professional courtesy and also needs to better informed when pre-approving a buyer and misleading them with false information upon initial contact. He was very unprofessional not only with my client but also hung up on me and was extremely rude to me on several occasions. He and the others who worked on this file missed several deadlines and also encouraged my buyer to break rules on a HUD contact. They incorrectly scheduled the appraisal and then informed my client that he would be responsible for the additional fee for an appraiser to go out there and re-do the appraisal based on misinformation that was given by Caliber even though we gave very specific instructions that the home was being sold as-is. On top of the issues throughout the process, we got to the final week of close and my buyer was informed that they had incorrectly calculated his DTI in the beginning and that he actually was not approved for the loan. Nothing had changed in my buyers debt or income, only the calculations by the mortgage officer were incorrect. We were able to resolve the issue ; however, it still took Caliber a week to prepare the closing docs and we missed the HUD contract deadline due to this delay. Once finally done, the docs were sent with incorrect data TWICE and had to be corrected. After all of this, when the loan funded, the closing agent LIED to the title company about having processed the wires when in fact, they had not worked the file. In the end, Caliber scrambled to get the funding over prior to close on Friday and, in their haste, sent the funds to the wrong title company. We are still waiting for this issue to be resolved. The practices throughout the entire process were misleading, untrustworthy and the absolute worst service I have ever seen from any lender I have ever worked with. They caused much undue stress on my XXXX-year-old client, the title company and myself. 
I am happy to give more details on this situation if necessary. I would love to see some sort of compensation for my buyer although I am unsure what could be done to make up for the nightmare that he was put through during this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Received multiple threat calls to my cell, my job and my family.

Company response to consumer: Closed with explanation