vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have applied for a Home Equity Line of Credit ( HELOC ) from Citibank.. I submitted the application in XX/XX/XXXX ; it took until XX/XX/XXXX to initially be approved. It took five monthsbecause my XXXX had a mechanic 's lien attached to our deed and Citibank dragged their feeton identifying this as the cause. The coop kept on stalling and finally admitted that the did not pay the {$55.00}. filing file to prove satisfaction of the lien. Citibank paid the {$55.00} and anticipated at closing I would pay them back and the XXXX would then reimburse me. 

I am XXXX. When I filed initially, I was making $ XXXX/year. Then that job ended, I took another job paying $ XXXX/year. By the time the lien was satisfied, my XXXX job ended and I then was working XXXX job making around $ XXXX/week. 

Since the process dragged on, Citibank asked me and my wife to resubmit our pay stubs. 
At the point we resubmitted, since my income had dropped, Citibank changed the acceptance to a rejection. 

About three weeks ago, I secured a full time job paying $ XXXX/year. We again submitted our pay stubs and we were asked again many questions. At this point, we are now at 9 months since filing the original HELOC application and, in my most recent conversation withCitibank, I was told to have patience. I indicated my patience has worn out. Since I had been underemployed and my son started College, I borrowed funds from my IRA in anticipation of securing the HELOC. I am quickly approaching the 60 days and the penalty period forrepayment of these funds is quickly approaching. 

In my opinion, I think this process should never had dragged out so long. If we had closedby XX/XX/XXXX ( which I think is reasonable ), I would still be at my $ XXXX/year job and we would not be discussing any issues of not having a high enough income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Oasis Legal Finance Holding Company, LLC
State: IL

Complaint narrative:
I was receiving XXXX. My XXXX stopped temporarily due to issues with the company handling the XXXX. My attorney referred me to Oasis lending during these periods. I borrowed XXXX in the end I was required to pay XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Remex, Inc.
State: NJ

Complaint narrative:
Medical bills were to be sent to auto insurance company for car accident. The was never sent to insurance company for processing, How Remex Inc a debit collector got my phone and acquisitions that they sent me statements and I did n't respond. They never sent any thing and didnot even have the right information. Even after i ask them to send me a bill they gave me the run around and also filed false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
I was notified that the company/sole owner that I am XXXX to ( I am an XXXX ) was contacted by the debt collection law firm Messerli & Kramer asking questions about me and although told I was not a employee but rather XXXX was asked to verify my name and my social security number. The owner did not give out this information however the collection law firm proceeded to state my name and social security number as well as other personal information to the owner ( my XXXX XXXX ) considered third party and asked if it was correct. This is illegal, an invasion of confidential information and a privacy issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

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 2015-03-20 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: National Arbitration Forum
State: TN

Complaint narrative:
I was called by a blocked number today. The guy told me he was going to come to my work tomorrow to " serve '' me. He said he just wanted to give me the heads up. Obviously, this shocked me. I asked him what charges and from whom. He said he could not tell me that, but he could give me the party 's number ( XXXX ) and my case number. I immediately called the number he gave me. It was Dispute Resolution Services. My " case manager '' ( XXXX XXXX ) says I owe them {$2900.00} from a check into cash loan I got on XXXX/XXXX/XX/XX/XXXX. XXXX said that if I did not resolve this today, I would be served by the guy that originally called me, who would be accompanied by a uniformed officer and that my boss would also have to sign the papers. I asked why they were coming to my work. He told me that they would try my house XXXX, but if they failed to find me there, they would go to my work. I asked when they were planning on doing this. He said between XXXX and XXXX tomorrow. He told me I could face up to 1 year in jail and have to pay an additional {$1000.00} penalty because they are charging me with check fraud under section XXXX of some law. I asked him if I could get a copy of the application from the original debtor and he said no, stating that the application was to be used against me in court. I told him I was going to need to call him back, because I was at work and a bit in shock from what he was saying. He said he would be able to give me until XXXX to call him back, or he would move forward with these charges and he gave me his extension ( XXXX ). After getting off the phone with him, I called XXXX XXXX XXXX to verify this debt. They said they sold my debt to XXXX, but XXXX is known for allowing other debtors collect on their behalf. She said many times, these are scams and get people to pay way more than what they actually owe. I was on the phone with her for a long time while she tried to find this company and/or anything about XXXX XXXX. The only thing she found said that they had their license revoked a few years ago. She was very sweet and reassured me that I was not going to jail and that she would contact XXXX to notify them of this situation. She also gave me XXXX 's number to follow up with them myself. I called XXXX, but they were closed and the voice recording asked me to leave my phone number and my full social security number.. umm, no thanks! I then called XXXX XXXX back at XXXX XXXX XXXX ( at XXXX ). XXXX did n't answer. I left him XXXX voice mails from XXXX to XXXX. NO CALL BACK!! Now, I have to go to work tomorrow in fear that a cop and some guy will show up to serve me, to publicly humiliate me and/or threaten me with more scary tactics like " jail time '' and " thousands of dollars in penalties ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: GA

Complaint narrative:
i am just recently seeing new things on my credit history i am unfamiliar with, its is false and harming my credit situations and would like to have them removed do to company which is harrassing me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Praxis Financial Solutions, Incorporated
State: VA

Complaint narrative:
I received a phone call at my place of employment from someone who would not report who they were, however, claimed I owed them money from credit card debt. After hanging up and tracking their phone number, I learned who they were. 

Praxis Financial Solutions XXXX XXXX XXXX # XXXX XXXX, IL XXXX ( XXXX ) XXXX They called under the phone number " XXXX, '' which can be traced to their company.

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 2017-04-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: TX

Complaint narrative:
Account # XXXX I called on XX/XX/XXXX and spoke with XXXX XXXX, I informed him that I had send multiple request to validate this debt as I did not recall it. He reviewed the information that they had on file and noted that the service address was an address that I have never lived at. He closed the account as fraudulent and let me know that the information would be updated with all three credit bureaus immediately. 

I called them this morning XX/XX/2017 to get a status update as the credit bureaus have not received anything stating that the account needs to be deleted. I was told by the agent that this information has not been sent to the credit bureaus. The agent acknowledged that the account was closed as fraudulent but still reporting negatively to my credit bureas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc.
State: NH

Complaint narrative:
This company placed this collection on my credit report with no contact to me prior. This company has entered into a settlement in XXXX with the XXXX of the Colorado Fair Debt Collection Practices Act for the same type of behavior. The creditor listed is XXXX which I had in XXXX and who erroneously put me in collections. I completed a dispute with XXXX and they cleared my account when they found their error upon investigation. This never was and is not a valid debt. I am in the process of buying a house and it has caused my mortgage interest rate offer to go up by 1 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lendmark Financial Services
State: SC

Complaint narrative:
The branch office filing lawsuits in magistrate court to collect on accounts that are 60 days past due. This is a breach of contract. I went to court on XX/XX/XXXX then 5 days letter I received a letter dated XX/XX/XXXX letting me know that my account had been transferred to the collection the department. Due to the fact that the branch office was claiming a payoff higher then my balance I have to appeal the judgement by the court. They are taking all customers to court to collect higher payoff then what is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: MN

Complaint narrative:
In XX/XX/XXXX my mortgage was sold by XXXX ( XXXX ) to Caliber Home Loans. I had been working with XXXX to catch up with a couple of missed payments ( in XXXX ) when ( also in XXXX ), the mortgage was sold to Caliber. In XXXX, I caught up on my payments and brought the loan current. In late XXXX, Caliber began to claim that when they purchased the loan from XXXX, there were unpaid property taxes and several months of missed mortgage payments due. I strongly argued that I did NOT owe anything else and provided proof on multiple occasions. See the plethora of attachments for complete history. Caliber would not accept what I kept telling them as truth and in early XX/XX/XXXX began returning my mortgage payments with notes that I owed more than the monthly payment. I have now been served with a foreclosure notice and am in desperate need of assistance. I am at a loss of how to proceed. The toll this situation has taken on me personally and financially is immeasurable. I ca n't sleep. I have been communicating with Caliber for months with promises they would make things right, but I can not get anyone to " hear '' me or respond to my multiple fax and fed ex package delivery of proof. The documentation is attached as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Cascade Collections, Inc.
State: AZ

Complaint narrative:
I disputed a collection account that is on my credit report. This agency has no authority to collect on this account as they have not proven that ownership of the original account was transferred to them. I have never agreed to nor are there any legal documents that state I am liable to pay Cascade collections. I never entered into an agreement to pay Cascade collections and they have failed to prove that. Therefore I do not owe a debt to Cascade collections. The credit bureau did not review the authenticity of the attestation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Within 2 hours, I received XXXX phone calls in efforts to collect a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: OR

Complaint narrative:
I routinely pay an extra {$62.00} on my mortgage that should go to principal. In XXXX, this amount was applied to erroneous fees that were subsequently reversed. Despite multiple attempts to get this amount correctly applied to principal instead of fees, this has not happened yet. The last correspondence that I received said that the matter was being referred along but I 've yet to be contacted about it and my account still does not reflect my {$62.00} reduction in principle from my XXXX payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CURO Intermediate Holdings
State: WI

Complaint narrative:
I was the victim of ID Theft on XXXX XXXX, XXXX. The FTC ID Theft Affidavit ( # XXXX ), XXXX County Sheriffs Incident report ( # XXXX ) and all ID Documents were sent to the loan company, and they agreed to remove the Hard Inquiry from my report. This has NOT been done. I have made countless calls to the Speedy Cash/XXXX XXXX, and XXXX with no results. The other loan companies and credit reporting agencies have cooperated fully, and quickly. The hard inquiries were removed by late XXXX XXXX. This is the lone problem on any of my reports.

Company response to consumer: Closed
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Stearns Ventures, LLC
State: AZ

Complaint narrative:
Stearns Lending , Inc., XXXX XXXX, CA. 
This company 's satellite office in Arizona has absolutely NO sense of urgency, and total disregard for their clients ( the buyers ) and also the sellers. 
Claiming to have not received or misplace information, as an excuse. 
People have lives to live and also have time lines to follow, setting up places to live, movers, disconnecting utilities, packing, etc. 
Underwriters, had claimed all is good, and over two weeks later still looking for paper work, still stalling! 
It took a Cure Notice to finally get them to perform, someone needs to be held accountable in this office. 
The purchase was almost lost, due to lack of concern for others. 
Would highly recommend staying away from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 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 agreed to remove this debt from my record. This should never have been sent to collections in the first place. It was a case of overbilling. I have paid my XXXX bills in full to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Pay Pal Credit issued a fraudulent credit card in my name that experienced more than {$1500.00} in charges, yet I only learned this after seeing their ( fraudulent ) Credit Inquiry on my XXXX Credit Report. The Consumer Financial Protection Bureau ( CFPB ) facilitated my request last year ( case number ending in XXXX ) that fraud be acknowledged, the account closed, and the XXXX inquiry be removed. 
Although Pay Pal Credit and their legal counsel mailed letters to my home with a promise to remove the Credit Inquiry, they failed to do this. Credit Reports have been pulled twice and XXXX insists Pay Pal Credit must submit a request directly to them. Pay Pal will not provide written evidence to me, nor resubmit their electronic request to XXXX. Instead, they insist I file " another official complaint '' to a XXXX address. 
I did not initiate a request for credit with them and am uncertain of information originally used to commit the fraud.I find it unreasonable to ask someone with no prior established-business relationship to submit sensitive personal information ( such as SS # and date of birth ) to a XXXX XXXX. 

Instead, I am again requesting CFPB assist in the removal of their fraudulent Credit Inquiry, negatively affecting my XXXX credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
I have a collection on my Credit Bureau showing that I owe {$650.00} Dollars that is the result of Identity Theft. I have been disputing these false charges on me for over 2 years. This loan was taken from an individual in another state also an out of state Bank and deposited to an out of state bank at which I have never gone to. I feel nobody has investigated this issue THOROUGHLY or you would see this is not me. I reported this issue as soon as I found out about it. Now it is showing a collection on all XXXX Bureau 's this is not me I do not know how else or what else to say. Please help me with this issue it is XXXX I do have enough money to pay this amount but I refuse to, due to the FACT THIS IS NOT ME that took out this loan. Thank you for your help and your time I hope to hear back from you soon.

Company response to consumer: Closed
Consumer complaint received 2015-07-09 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: ID

Complaint narrative:
West Asset Management continues to call me for a debt owed by XXXX XXXX XXXX. My name is XXXX XXXX XXXX. They are calling more than once a day. Once with a person who says they will take my number off and once with a robo call that does not give me the option. I have asked then to stop repeatedly. They refuse to do so. this has been going on for over XXXX months. Recently I have had other debt collectors start trying to reach me for the same person 's debt. It think they got my number from West.

Company response to consumer: Closed with non-monetary relief