vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC.
State: ID

Complaint narrative:
My son left his apartment in XXXX XXXX at XXXX XXXX 2 months early that I had cosigned for him. A company called IQ Data INT was calling me day in and day out and when I returned a phone call back to them they were very rude when I told them they needed to be calling my son who was the actual contract holder and I was just the cosignor. They refused to call him stating I was in charge of this bill treating me like a child stating do n't you know what a cosignor is means you owe the bill not the person who signed the contract first or who was staying in the apartment and on and on. I even spoke to the supervisor and he stated that if I did n't pay this bill I would get turned over to collections and reported as I refuse to pay. I told him I never once said I refused to pay this bill you ca n't illegally report something. I told you to call my son to set up a payment plan. I had my son call them and they refused to speak to him stating his name was n't on the lease. I called XXXX at the apartment complex who was in charge of turning this over to IQ Data to collect on the bill and she stated she has no idea why they would n't speak to my son because he was the contract signor and I was the co signor. XXXX said she emailed them and told them to make sure his name was on there and if not add it so when he calls they speak to him directly not me. When my son tried to call back they were still very rude and refused to speak to him. I called back and they said XXXX did not send them any email and they were only going to deal with me paying the bill. I told them I 'm not paying this bill my, it 's my sons and you need to talk to him but if it were to get paid off in full what would the amount be they said they could give me a 20 % discount because that 's what the apt complex allowed for them to do. I told them I 'm not going to pay that I know for a fact you can take less to make this as satisfactory, paid in full. They said no we wo n't. You can pay that amount or not. I told them I was going to call XXXX back and deal with this bill through her as there tactics to trying to force you to pay this was not going to work with me. They said go ahead do whatever. Good luck and hung up on me. I called XXXX back and told them they still refuse to talk to my son and I would no longer deal with that company but her directly to get some sort of payment plan in place or this bill paid off. She told me she would not do anything. I would have to deal with IQ Data about this bill. I have received NOTHING in the mail about this bill or even who IQ data is. I am now taking this matter further to anyone necessary about how this company acts and talks to the client who has the debt owed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
Caliber Home Loans mislead me regarding their claims disbursement process regarding property damage loss. This misleading, resulting in me paying for repairs to my home that my homeowner 's insurance company provided funds for, prohibiting me from affording my mortgage payments. Caliber Home Loans has breached their implied covenant of good faith and fair dealing.

After suffering damage to my home, my homeowners insurance company paid {$5200.00} to make the repairs. The claim funds was made payable to myself and Caliber Home Loans. The original contractor I was working with was no longer willing to accept payment according to the Caliber Home Loans disbursement process. As a result of this change in contractor, I informed Caliber Home Loans that I would have to pay these contractors using my personal financial resources. 

After having the 50 % inspection, I received a check in the amount of {$980.00}. 
Previously a Caliber Home Loans Loss Drafts Department employee told me that after having the 50 % inspection, they would release 50 % of the remaining funds, followed by a 75 % and 90 % inspection and the remaining funds would be released similarly. This was n't the case, they claim that they meant that after the 50 %, they would release another 25 % disbursement so I would have received a total of 50 % disbursement. As a result I had to pay general contractors out of pocket without receiving full reimbursement from Caliber because they released an amount lower than expected.

Due to the severity of the property damage, and without the insurance money, I was forced to continue using my own financial resources to repair the property ; preventing me from having the funds to pay my monthly mortgage payment to Caliber Home Loans Despite me submitting letters and receipts showing how much money I had paid out of pocket, and as a result of paying the general contractors out of pocket, I have not been able to make my mortgage payments, and Caliber filed for foreclosure as a result. I have contacted Caliber Home Loans rega
rding this matter on the following dates : 1. XX/XX/XXXX ( phone call ) 2. XX/XX/XXXX ( phone call and letter ) 3. XX/XX/XXXX ( letter ) 4. XX/XX/XXXX ( letter ) 5. XX/XX/XXXX ( letter ) 6. XX/XX/XXXX ( letter ) 7. XX/XX/XXXX ( letter ) There attempt at resolution was to have me file for another loan  modification. Why should I have to do that because they made a mistake in their communication and I stuck to the loan terms by having the repairs made to the property, despite not receiving the loan proceeds that they are holding XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX, 2017 There were two ATM transactions that were not authorized on my checking account for the amount totalling {$600.00} by someone other than myself. These transactions caused my Checking account to be overdrawn and I was charged {$70.00} in fees. The problem that I am having with this is the simple fact that at the time of the two ATM transactions I only had {$57.00} in my Checking account. The question that I posed to the Bank ( bank of America ) is why did they allow the atm transaction to take place. I did not have enough to cover a {$600.00} transaction let alone 2 transactions. I filed a claim with Bank of America immediately. They initially credited my account along with the overdraft fee while they investigated the claim. After their investigation, to my confusion, they determined that the withdrawal posted correctly. This, in fact, is why I am reaching out to your agency to get help in preventing them from reversing the claim on my account and making others aware of this type of unfair business banking practice especially to an elderly man like myself who lives on a fixed income. I can not afford this! Please Help!

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 explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE CAPITAL ASSOCIATES, INC.
State: TX

Complaint narrative:
In XXXX 2017 I selected Mortgage Capital Associates to refinance my first mortgage. At the time I also had a HELOC. In complete agreement with the mortgage company ( Mortgage Capital Associates ) there was supposed to be a subordination so the HELOC would remain open, and I paid an additional interest rate to do this. However, XXXX XXXX XXXX messed up the closing ( admitted from them ) and the HELOC was closed. Unfortunately I did not find out that they messed up until months later when I received the notice from my HELOC company ( XXXX XXXX ). I am now trying to get the HELCO reestablished, however to date that has not happened. Thus, I was mislead and was charged a higher interest rate, that I will now pay for 15 years for a product that I was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I looked at my credit report on XXXX/XXXX/XXXX to see an account in collections, XXXX XXXX ( XXXX ), reporting an account to collections that I have never heard of before. 

I am in the process of purchasing a home and do n't think its fair that a company reports an item on my credit report without providing any written notices to dispute it. This is in pure violation of section 809 ( a ) of the FDCPA : " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- '' I have the right to sue this company for improper adherence to the laws that govern them.

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 explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lustig, Glaser & Wilson, P.C.
State: MA

Complaint narrative:
XXXX XXXX XXXX, amount for {$2600.00}. I have sent XXXX XXXX XXXX, XXXX a debt validation on XX/XX/XXXX and XXXX XXXX XXXX, XXXX did not respond to my demand. I then received a court letter from Lustig Glaser and Wilson, P.C. stating I was being sued. I have no knowledge of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Braviant Holdings, LLC
State: NM

Complaint narrative:
My husband and I received a loan for XXXX on XX/XX/XXXX We have made 6 payments every two weeks for XXXX totaling XXXX. I called on XX/XX/XXXX to payoff loan and they asked for another XXXX to pay the loan off. I do not believe that they have applied any of my payments to the principal. They kept telling me that I still needed to pay for interest that was to paid throughout the original term of the loan. I advised them that I am paying them early so that does not apply to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN CREDIT REPORTING AGENCY ... I HAVE A DISPUTE ON MY CREDIT REPORT ... AN ITEM IS OVER 7 YEARS 6 MONTHS outdated I advised must be deleted per FAIR CREDIT REPORTING ACT..per Experian file XXXX it remains on my credit file..i am being denied new credit and fair employment and housing because of the information on my credit report that is outdated and negative information. I want Experian to remove ALL outdated negative information in my credit file per the fair credit reporting act.

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 explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Spouse or co applicant : Report # XXXX XXXX XXXX, 2017 On my credit file is a XXXX who is this I 'm not married nor do I no who this is. Its just one name XXXX Just XXXX what is this or who or what Why does Experian have information like this on my credit report but no reason or who this is or why it is showing.

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 2017-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: ME

Complaint narrative:
For two or so years I have been trying to get a modification on my mortgage. I became ill and got behind for two years they ask for paperwork and applications. I always get a letter saying my package is complete and a few days later they request a copy of something I already sent or they cant find it or read it. I started emailing a copy, and sending the original by mail. Still they loose something. They also request updated financial records cause it takes so long that the dates expire. I got so frustrated I got an attorney to send a copy also. Still they pulled the same stuff on them. Mind you the clock is ticking and Im closer to foreclosure. I went to my second to last court date where I was informed by their attorney that I wasnt approved because they didnt have my taxes. One thing they never asked for. I was also Informed I missed out on qualifying for an Obama loan and a loan for XXXX people. Plus I coulda got a streamline loan back when I was 3mos behind but I was never Rd offered one and didnt know it existed! but now its too late. I was given an extra month to get financing done if I agreed to sign a paper letting them foreclose. I didnt get a modification even though this time they had my taxes, in fact I was sending the papers by email and was blocked and found out I had to send the papers in a PDF. I told them by phone I would have my attorney do it. Which they did 3days later. I got an e mail the same day I was blocked thanking me for the paperwork and saying my package was complete an it could take a while before they made a decision. I sent a reply saying how amused I was cause they blocked my paperwork and my attorney was going to send it to them in the next day or so, I also added that my package couldnt be complete cause it was never recieved! Shortly after I was denied. I called and asked why cause the email they send with the reason was encrypted and I couldnt open it. I was told that it costs the company a lot of money each time they do a modification and they had no intension of approving it. Now I am trying to get a new mortgage but because my house is my place of business no one will give me a mortgage and I shouldnt have gotten one, I should have got a business loan. My current loan with OCWEN only shows the house the Barn an indoor arena dont exist per the way the Mortgage was written. I have till XXXX-17 to get a new loan of some sort either business or personal loan to catch the payments up. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kehoe Financial Group, LLC
State: CA

Complaint narrative:
I have talked to kehoe financial group regarding a debt that i owed through XXXX loan. I told them not to call me at work but they called my work, and even called my spouse and left a message that i have a pending legal case against them. They kept on calling me even if i was tryig to negotiate with them. The person 's name is XXXX XXXX and his phone number is XXXX ext XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I opened an auto loan with XXXX XXXX in XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I paid every month and was not late once, EVER. As of this year I filed bankruptcy on XX/XX/XXXX Due to the issues I continually had with the car, my lawyer and myself thought it would be best if I included the car in my bankruptcy. I still continued to pay my car payment monthly up until the company came to pick it up from my home. My monthly payment was due on the XX/XX/XXXX of each month. I did not pay my payment XX/XX/XXXX because at this time I had already told them They could pick-up the car and that It would be included in my bankruptcy. My due date for XX/XX/XXXX would have been XX/XX/XXXX, they picked the car up XX/XX/XXXX. On XX/XX/XXXX they reported to the credit bureau as a charge off! 1. This should re reported as " included in bankruptcy '' OR " dismissed ''. This is not a charge off at all. I have told them about this and it still has not been fixed, I have also disputed this with Experian who is reporting this, and the dispute came back as " valid '' They said the company who reported the charge off ( XXXX ) certifies that the reporting is correct. How can that be? How can they report me as a charge off, when it should re reported as " included in bankruptcy. '' Also it is my understanding that a charge off has to be 120 days or five missed payments, in order to be defined as an actual charge off. When they reported this as a charge off, I was not even 30 days past due, I was only 2 weeks past due technically. Please look into and have this fixed.

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 explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports with transunion, XXXX and XXXX show incorrect credit utilization from all of my XXXX XXXX credit cards. 

1.XXXX XXXXXXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$2500.00}. I have a balance of {$420.00} with available credit of {$2000.00}. 

2.XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$3300.00}. I have a balance of {$500.00} with available credit of {$2800.00}. 

3.XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$3100.00}. I have a balance of {$650.00} with available credit of {$2500.00}. 

Please have these errors corrected as soon as possible based on the Fair credit reporting act.

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 explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I sent my son {$40.00} through Money gram at this time my son is located in XXXX XXXX CA and I am in XXXX XXXX. My son 's ID was stolen so we provided with another person 's name that was provided. This person was not able to retrieve the money after trying 3 times through money gram. I called to speak with money gram to solve this situation and they are refusing to cancel the transaction due to needing the receiver 's ID which we can not retrieve. I am the sender and have proof of sending and they will not provide a refund to me although it is my money. Due to the receipt it explains the process of refund and by section 2102 of The California 's Financial code it states if I am not provided with refund, I am entitled to my money back plus a penalty of up to XXXX and attorney fees pursuant to this section. I rather not pursue to that extent, I just would like my refund of XXXX since the receiver is not able to access the funds through money gram.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
On XXXX XXXX th a representative from XXXX XXXX called me and was very rude and demanding I come to the office after I had already explained to them several time that I didnt have the money to make my payment at the time. They keep harassing me calling every day and I am under a credit management company trying to get my finances straighten out. They have refused to work with my debt company, I told them numerous times I was under debt management but they still continue to harrass me about my payment. I just want the harassing phone calls to end and for them to consider working with my debt management company on this debt. When I explained to the representatives that I was doing the best I could she basically told me I wasnt and she felt like I could pay and was refusing not too.

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 explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I lost my job in XX/XX/XXXX and was without adequate replacement income until just recently. I originally contacted our lender not long after it became apparent we would not be able to pay our full mortgage amount, and continued to send partial payments as we were able. Submitted loss mitigation application through our lender in early XXXX, and throughout the process submitted all documents as requested. At no time was unemployment forbearance discusses ( did not even hear of this option until this month from another party ), and was not told of Save Your Home California until XXXX, when we were denied assistance by our lender and told we did not qualify for any assistance with our lender. Unfortunately I do not have many documents from along the way, as I was not expecting this outcome and did not take detailed notes about all phone calls, but I have recently informed my lender of our extreme dissatisfaction with their assistance in saving our home, and their lack of information provided about all options that may be  available to us. Assistance is currently in review with XXXX, but foreclosure process has been started by our lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
During the time of XXXX XXXX and now we know XXXX XXXX since he presented a purchase agreement to XXXX XXXX in his handwriting and they alluded to XXXX XXXX at XXXX XXXX XXXX XXXX, mi XXXX and back at that time in XX/XX/XXXX and XX/XX/XXXX I made several calls and mailed you plenty correspondenced seeking answers about the supposed sale. 

Please provide answers in writing of the sale of XXXX by XXXX and his daughter XXXX XXXX both list on the covenant deed as husband and wife.

Company response to consumer: Closed with explanation