vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-24 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates has been pulling my credit report every 2 days for the past year and a half. I have never given them permission to pull my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Harley Davidson Financial Services Inc
State: OH

Complaint narrative:
I got a loan for a harley davidson bike, i fell on hard times and could not make the monthly payments. To my knowledge i think the bike was repoed after i was contacted by a repossession agent regarding the bike. The bike is now on my credit report stating i owe almost XXXX damaging my credit really bad

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings
State: FL

Complaint narrative:
XXXX Missouri I took out a XXXX dollar loan at speedy cash in XXXX Tennessee I have a XXXX and I am on XXXX social security and they told me they would not lend me more than a XXXX dollars because of my XXXX I took the loan of a XXXX dollars and I went back a month later after I took the loan when I received my XXXX check and paid them the amount I owed to them.I have a receipt showing where I paid off this loan.It has been a year since I paid the loan and they are still taking money out of my s.s.i bank account they say I have a balance of XXXX and I paid that loan right after I took the loan out I am on XXXX and it takes everything that i get from s.s.i to live on.I am a XXXX also and this money that they claim that i owe is money XXXX and thing that i need to live on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fein, Such, Kahn & Shepard, P.C.
State: NY

Complaint narrative:
Fein Such and Crane debt collection attorneys are trying to foreclose on my home illegally. They have not provided any copies I have repeatedly requested over the past 6 going on 7 yrs they have filed papers foreclosing with XXXX XXXX XXXX as owning the note which they dont. They have failed to produce the note as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: ATLANTIC PACIFIC MORTGAGE CORP
State: VA

Complaint narrative:
Mortgage held by Atlantic Pacific Mortgage Corp. was paid in full XX/XX/XXXX, but Deed of Trust was never released. This was discovered XX/XX/XXXX, when processing a refinancing transaction. Despite numerous telephone calls, emails and a demand letter sent via certified mail, the Deed of Trust still has not been released.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: AL

Complaint narrative:
I keep getting calls from the collector of my student loan, Weltman Weinber & Associates, at very inconvenient times, before XXXX on weekdays. I have filed a complaint with them before through the Ohio XXXX and they had agreed to stop the calls. However ; their calls continue to be placed very early in the morning. I want this level of harassment to stop and to communicate with them only through mail at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit
State: WI

Complaint narrative:
My XXXX was " bought back '' as part of the XXXX Settlement on XX/XX/2017. The loan payoff amount was not accurately calculated, which resulted in a loan overpayment of {$1700.00}. Instead of these funds being distributed, they are being held for a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
There is a creditor on my XXXX credit report from XXXX that is a closed account. That continues to report past due. Their is nothing owed on the account and no past due amount, but it continues to report past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
THE THOMAS AGENCY INC 5XX XXXX JUST XX/XX/2015 {$470.00} {$470.00} XXXX XXXX, ME XXXX.They have file this again after they had agree not to put it on my credit report after I had file a report with you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Prospect Mortgage, LLC
State: IL

Complaint narrative:
In XXXX 2015 I was shopping for my XXXX mortgage. I was negotiating with several lenders. XXXX XXXX, then with Prospect Mortgage, matched an offer from another lender - 20 % down and 3.125 % rate. 

When I started reviewing the initial paperwork, the numbers looked incorrect. I mentioned to XXXX that I did n't expect to have to bring as much cash to close as the paperwork suggested. XXXX reiterated over and over that lenders are required to overestimate, that the actual amount at closing was going to be significantly less. 

I continued to express concern with the numbers, but she was incessant that I sign - I would see later, she said, that the amounts went down. Being a first time mortgage client, I ultimately gave in and signed. 

I later discovered that XXXX was quoting me numbers with 25 % down rather than 20 %. By this point, I had no choice but to stick with this lender ( otherwise I would have lost the contract on the property ). In order to receive a loan with only 20 % down, I was forced into a loan with a higher rate.

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 2016-01-29 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: IN

Complaint narrative:
I responded per the FDCP Act Validations of debts with a phone call. I attempted to advise the company that this is an open court case that has no decision for any debt owed. I was told I had no rights unless I was an attorney. When I read the Fair Credit Act I was told they would continue to collect in violation of my call. The letter is dated XXXX/XXXX/2016 and my call was placed XXXX/XXXX/2016 after receiving the mailing. The representative first did not identify herself then said her name was XXXX. When I told her she was violating the act and my rights as a consumer requesting to speak with a supervisor, she placed me on hold and then came back and hung up. When I called back the phone call was sent to voice mail and I did leave a message letting them again know this was an unlawful harassment and that I did not consent to third party involvement in an open court case and that it required settlement in court.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: VW Credit
State: UT

Complaint narrative:
We have leased a XXXX XXXX in XXXX XXXX and it was more in the shop than with us. In two months we have had over XXXX rental cars and have tried to resolve the issue with VW. Before leasing the XXXX we have traded in a XXXX XXXX and were promised to receive XXXX for it. The monthly lease for XXXX was XXXX with residual of XXXX. 
We did not have a chance but to bring the XXXX back in XXXX and traded it in for a XXXX. Monthly lease of XXXX and residual unknown. However, we have not gotten any credits back or any downpayment made towards the firs lemon car XXXX and have gotten additional fees added on the XXXX for trading in XXXX after less than three months. We have always paid on time and in full. In XXXX and XXXX XXXX I became laid off and contacted VW to ask about my options. We were told that for two months we do not need to make the payments since we were enrolled in some protection plan. Still, we have made payments as much as we could and have been reported to the credit bureaus as making LATE Payments! And all we did was make additional payments while we were not required to. This information has been disputed but VW did not agree to correct it from our records. In XXXX XXXX we have had transfers in amount {$2100.00} going to VW towards the Lease. As I realized that something was wrong and contacted VW we were told that they would refund the money as it gets transferred. On XXXX XXXX we still have not received anything back we decided to pay off the XXXX and trade it in for a different brand. The payoff amount was quoted XXXX and that day VW electronically also transferred additional XXXX from my checking, although the dealership had paid all of the quoted balance of. We called several times to get the money back since we no longer had the car and did not authorize the transfer but no-one called us back and we never received any money. We have inquired several times to receive written disclosures and all documents and payments received from the VW Lease and Finance office and no-one ever has sent us anything but that the balances are paid off. We are requesting the additional {$2600.00} that was taken from our debit in XXXX and XXXX to be immediately refunded to us, as well as any missing downpayment that should have been transferred to XXXX after XXXX was a lemon car. We have tried to dispute it through our banks but they were also not successful of it. We also require the late payment wrongful reporting to be corrected of the consumer reports and we hope you can help us to achieve this within next 30 days?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Caliber Mortgage LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Today I received the attached letter from Caliber. They have requested an authorization in order to be able to speak to me regarding their refusal to follow Bankruptcy Law. I had to explain to them that the reason they do not have an authorization on file is because they DELETED ALL THE DOCUMENTS WE SUBMITTED FOR THE SHORT SALE. 

****THEY HAVE DELETED ALL THE DOCUMENTS WE HAVE SUBMITTED FOR THE SHORT SALE. 

This is a violation of federal AND state law. 

What else have they deleted and from how many client files??? What are they trying to hide??? 

Apparently Caliber feels they do not have to follow ANY type of laws whatsoever - not Bankruptcy Laws, not Federal Laws and not State Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I received a collection call because on my credit card through comenity bank because my I had missed a payment. I advise the representative who contacted me that I would go online and make the payment myself. I then asked him if they offered automatic payments, to which he advised they do not. He then proceeded to attempt to verify my payment information that I have saved on my online account. He read to me the last XXXX numbers of the checking account and provided the bank name associated with the checking account that I have on file. I asked him why that was important and he advised that he was working to schedule the payment for me. I then advised that I specifically told him that I would make the payment online and that I wanted to speak to a supervisor. The floor Supervisor that I spoke with was extremely rude, continued to speak over me, advised that the representative would have verified the payment information and if I did not agree with the terms then it would not have been submitted. The floor supervisor attempted to justify his actions by stating that they are required to take a payment over the phone when they make a verbal contact. Also, she advised that at the end of the payment script, if I did not agree with the terms, then the payment would not be submitted. Based on my knowledge of the banking industry, I believe this to be a potential UDAAP violation. I then asked to speak with another supervisor. I spoke with a specialist and advised her of all of this. She advised that she would submit the complaint and provide the information to her management. I did advise that I would be filing a complaint with the CFPB regarding these deceptive practices. I am extremely concerned that this bank is submitting payments from verbal contacts illegally and request an investigation of their payment practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: OR

Complaint narrative:
My home was foreclosed and sold on XX/XX/2015 with the sale price paid off in XX/XX/2015 yet the mortgage company ( Caliber Home Loans ) still shows a {$59000.00} balance on my credit report. I filed a dispute with the credit report agency and Caliber affirmed the balance still owing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Recently I received a credit card in the mail from Union Bank. I have my personal and business accounts with Union Bank. I never authorized nor requested a credit card. When I called them to say I wanted the account closed and requested they code it as opened in error, they told me the card was issued as a result of a recent merger. This makes no sense to me. This was not an offer to obtain a new card. This was a new credit card opened that showed up on my credit report and was not authorized. In light of the recent XXXX XXXX sales practice I am wondering if Union Bank is acting in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Union Bank IT employees continue to " Cancel, Stop, Change '' Bank Fraud Alerts, Overdraft Protection Alerts, Deposits and withdraws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: LA

Complaint narrative:
I have been fighting a fraudulent mortgage situation for over 4 years now. Original lender claims to have sold the loan in XX/XX/XXXX. Caliber Home Loans claims to be the new servicer. Servicing transfer took place in XX/XX/XXXX. Caliber began sending me monthly statements in XX/XX/XXXX. Prior to the loan being sold, original lender filed a foreclosure action against me, which I contested and it is now sitting dead in the courts. Caliber has taken NO legal action regarding this account, and I have confirmed this by speaking with Caliber 's claimed attorney and also by checking routinely with my court clerk 's office. In other words, the " foreclosure '' status of this account has always been the same since before Caliber began contacting me. I have many disputes with Caliber, but Caliber has either ignored my disputes completely or has responded by answering questions that I have never asked. 
Caliber stopped sending me monthly statements after XX/XX/XXXX, and when I have asked about this, Caliber states to me that they can not send me a statement because they claim to be actively foreclosing on me. Again, I have spoken to Caliber 's own attorney, and have confirmed that Caliber has not taken ANY action against me whatsoever. I mentioned Regulation Z to Caliber, and how it requires them to provide monthly statements regardless of foreclosure status, because foreclosure status is not listed in the law as an exemption. The loan is a conventional loan, so the statute applies. I have not filed bankruptcy, and Caliber is not a small mortgage servicer under the law 's definition. Caliber refuses to provide me with monthly statements. I did just receive an " informational statement '' which appears to be what is provided when the consumer has filed bankruptcy, but again, we have not filed BK. This statement does not include much of the information that Regulation Z requires servicers to report to the consumer on periodic statements. I called Caliber today to ask about this, and was told that the statement was generated due to a payment that was made on the account. I did not make the payment they are claiming. I am concerned about the lack of monthly statements because Caliber has shown a pattern of adding fees and charges to this loan that are not legal, and without the monthly statements, I can not keep track of what is happening on that front. Caliber also has a history with me of changing their story on a constant basis, so that information provided today contradicts Caliber 's own earlier provided info. 

I am in the process of trying to resolve several other disputes with Caliber, but at this time, I am only disputing the issue of the monthly statements here with the CFPB. Caliber is required to provide this documentation to me in accordance with Regulation Z, as amended in XX/XX/XXXX, and is refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
CALIFORNIA BUSINESS BUREAU : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX Original Creditor is " Medical Payment Data '' I do not have any Medical Collections Accounts of any kind. This information is erroneous and it is being maliciously reported by California Business Bureau

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My XXXX, offered through Comenity Bank, offered a balance transfer offer with a XXXX % apr and a XXXX % transfer fee of all money transferred, up to my credit line. 

The offer was stated as follows : XXXX % Promotional APR* is available on eligible balances transferred through XX/XX/XXXX. Thereafter XXXX % variable APR will apply to the remaining transferred balance. ** So, although the above statement indicated that the offer was available on eligible balances transferrred through XX/XX/XXXX, when I applied for this offer in XX/XX/XXXX, I was informed that the offer expired

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I have been going around in a circle concerning my mortgage with Caliber Home Loans.When my loan was transferred to Caliber from Vericrest Laon Servicing but Caliber would not honor the Loan modification that I had with then previous servicer. I make payments each month but they they say I do n't have a loan modification. So what do I have that i am paying each month? According to what the letter said on theb transfer everything concerning my loan would stay the same. That was not the case with Caliber. Caliber Home loans sent men final Loan Modification Documents 4 times I had them notorized and sent them. TheyXXXX claimed that New York was not able to record the final documents why? 
Caliber Home Loans will not work with me and now I have received a letter from an attorney. I pay Caliber every month. 
Please Help!

Company response to consumer: Closed with explanation