vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Comenity Capital Bank approved me online for a XXXX visa account. I was sent cards and activated them. I went to use the card not even a week later and was declined at the merchant. I called customer service who advised me that my account had been closed and I would get a notice in the mail explaining why. I have never experienced the revocation of an approval before ... especially after i was just approved. I contacted the Consumer Relations department who informed me of the same and that the bank could close my card at any time. They indicated recent inquiries ( I am working on rebuilding my credit ) as the reason why and that my account was too high of a risk and no further consideration would be made. I expressed concern with the fact that the application should have never been apparoved if that was the case. Now i would have not only an inquiry on my credit, but a short opened account that was then closed by the grantor. I can reasonably explain my situation and have had accounts in good standing with the creditor in the past. My card should be reopened as it was originally approved or all indication of an account removed from my credit report. This " delayed '' risk assessment is a very poor customer experience and the impact to my credit is unacceptable. I would like to continue my relationship with the bank and intend to honor our agreement if they will honor theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I made payment arrangements with XXXX to help resolve debts instead they took my personal information and still filed a lawsuit against me. One of the credit cards were n't part of my debt because the card has been stolen and I am to pay it forwarf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Autovest, L.L.C.
State: WA

Complaint narrative:
In XXXX XXXX I signed a payment agreement on an agreed judgment which included service fees, filing fees, and listed an interest rate of 12 % per year. As agreed, I began making monthly payments beginning XXXX XXXX, with the most recent payment being made in XXXX. On XXXX XXXX XXXX the company representative told me my balance was {$3500.00} more than what the initial balance was on the agreed judgment. I disputed this and she stated she would work with the legal team to get this resolved. I called the company to follow up on this on XXXX XXXX XXXX and the issue still was not corrected. At this time it was explained to me, the additional amount was attorney fees and other fees they forgot to put in the original signed agreement, and that she was n't sure when this would be corrected.

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 2017-01-10 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Calls all hours of the day from XXXX to XXXX from an unknown phone phone number asking for my bank account info. I asked her to call back on a line that I could connect to an actual company. She told me to call back with m bank info when i tried to explain I could not call back she called claiming to be whoever from a blocked line she told me the calls would increase and they have. Why would I give me card or bank info to someone I dont know. I am one payment behind and already caught it up they say they are calling 10 times a day to remind me. 
Told her last night I just made my payment I have had 8 calls already again today

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
Caliber Home Loans is attempting to foreclose on my home without following the proper procedure. After the initial complaints to the CFPB I continued to demand a single point of contact ( of which they supposedly said I was enrolled in ) without ever being given any contact information for a single point of contact. Caliber has made it impossible to attempt to talk to anyone about any type of loan mitigation process such as a loan modification. Beyond this we have not received a proper 20 day notice to cure, or a notice to accelerate the loan. We have also not received any proper 21 day notice to foreclose. As such Caliber is now pursuing an illegal and fraudulent wrongful forclosure. 

Additionally I specifically sent them a certified letter explaining not to call any phone number for me on file, as I preferred all correspondence via letter for legal documentation purposes. They received this letter XXXX XXXX, 2015. Not only have they violated the FDCPA by calling multiple times after that date, they have also called at hours that the FTC has barred. For example on XXXX XXXX, 2015 I received a phone call from Caliber at XXXX. The the next day XXXX XXXX, 2015 I received another morning call at XXXX. Both calls were well before the XXXX allowed time for businesses to call consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
California Business Bureau is reporting a collection account that it is not mine to the credit bureaus. I had XXXX XXXX XXXX contact them on my behalf and they have failed to respond back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Autovest, L.L.C.
State: GA

Complaint narrative:
Hi, I received a wage garnishment this Friday. I was unaware of this judgment due to moving from XXXX state to another. I have wage garnishment documents that I got from the mailbox today. It states that Autovest LLC won a judgment against me. I have no clue who Autovest, LLC is. After some research, I discovered that this company buys old loans from XXXX XXXX. XXXX XXXX closed this case over 7 years ago. I do n't understand any of this, but it 's very depressing to have wages garnished ; especially without receiving no warnings of any kind. This is n't fair, I do n't make much money and I have several bills to pay including several medical bills, school loans, rent, car, etc. Can anything be done about this? I 'm totally new to this wage garnishment stuff. Also, I voluntarily gave the vehicle up because I could n't afford to pay after two years of paying way more than what the vehicle was worth. I was at a desperate time in my life and needed a vehicle for work when I chose to get the vehicle over 7 years ago. I 'm truly hurting now, not just financially, but physically as well ... Please HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: WY

Complaint narrative:
I have submitted XXXX complaints to the CFPB, called MANY times, then I gathered all of the information I was told was necessary for the CFPB to review the Lies and crimes that Caliber Home Loans has been committing, and is CONTINUING to commit on my mortgage loan. I NEED a status update on the submission I MAILED to the address provided, to ensure the CFPB received and reviewed the information I mailed. Caliber does NOTHING but Lie, and Lie more. I mailed almost XXXX pages of proof of this. Please contact me with the status of what I mailed to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MO

Complaint narrative:
It appears that an old student loan that I have received confirmation from the original creditor was marked as a paid keeps being resold and I keep having the issue reported on my credit reports. I disputed the validity through the credit reporting agency but the debt collector reported the date was valid. I sent a certified letter to most recent debt collector Weltman Weinberg Reis on XX/XX/2017 requesting information about the alleged debt. They have not replied to my letter and the entries are still on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Caliber Home Loans, Inc.
State: SC

Complaint narrative:
We would like to file a complaint with the Consumer Financial Protection Bureau and or the Federal Trade Commission concerning the inability to resolve a recurring issue with Caliber Home Loans. 
This is the second time in two years we have had to contact the CFPB/FTC concerning Caliber 's refusal to stop sending out statements, and now solicitations, via USPS, in which our personal information pertaining to our mortgage data including balance, name, address and interest rate is printed as well as the last few digits of our account number. We have explained to Caliber countless times that our mail service is not reliable and continuing to send this information leaves us vulnerable to potential identity theft should our mail end up in the wrong hands. We have requested instead that they send us correspondence via email. These requests were made multiple times every month for over a year including countless phone calls, faxes, emails and letters ; ALL of which Caliber denied receiving. 
Furthermore, only after the FTC became involved and asked for Caliber 's written response did Caliber finally stop sending monthly statements and agreed to start sending emails. Although the hard copy statements did stop we have NEVER to date received an email statement from Caliber. 
Several months ago Caliber started to barrage us with letters soliciting us and no doubt other customers to refinance their existing mortgage. In these letters under the headline : Let 's Get Personal ... Caliber states our mortgage balance, our interest rate, my husband 's full name, address and the last XXXX digits of our account number once again our requests to have Caliber stop this reckless behavior has fallen on deaf ears. Additionally, as our prior experience has taught us ; Caliber only has XXXX phone number available for customers to call. Each and every time we have called this number the result is always the same. Repeatedly, we are put on hold and then told that a supervisor is not available. Promises to return calls are never fulfilled and the insanity continues. 
We are hoping that the CFPB or the FTC will require Caliber to provide a more transparent access to management in all areas of the company including published phone numbers, names and titles of individuals within their company in an effort to provide their out of state customers with real help rather than a generic phone number manned by individuals that according to our experience have neither knowledge or the ability to handle customer issues. Additionally, we would ask that the CFPB or the FTC investigate Caliber 's refusal to comply with our countless requests to cease and desist sending out any correspondence via USPS that contains our personal information and that Caliber stop the harassing practice of solicitation. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
The XXXX XXXX XXXX billed me for {$120.00} in late XXXX and I never knew about this charge until a few months later when apparently a collections agency, California Business Bureau, was put on the case. When I finally heard from the California Business Bureau in XXXX XXXX, I paid off the debt immediately in full. I had called them last week regarding this affecting my credit almost 4 years later as it was never disclosed that this would affect my credit score and, as a result, there was no disclosure that I had the right to dispute this affecting my credit. When I called, I was put on hold over almost an hour, just to get a representative who was extremely accusatory and said that they had sent a bill to a particular address. This address was NOT correct, and was a version of my address with typos in it. The representative was aggressively asserting that I must have gotten their bill since they did n't receive any " return mail '' but I know that is impossible because she did n't even have the correct address on file for me. In addition, she said they made several attempts to call. I never received any phone calls or voicemails from anyone telling me that they were calling to collect a debt for the XXXX XXXX XXXX. I am not going to stand for my credit being affected by XXXX points just because this debt collection agency could n't get my address right or properly make contact with me when billing me. It 's clear that the way this collections agency handles business is extremely unprofessional as illustrated by their numerous negative XXXX and XXXX reviews. I was told by the XXXX to contact the XXXX XXXX XXXX XXXX XXXX and I wanted to make sure that everyone knows this is the manner in which they conduct business -- affecting your credit score for years after a mistake on their end, just to insist they were not at fault and berate you on the phone after putting you on hold for an hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I filed my taxes on XX/XX/XXXX, thinking I had all my papers in order. I felt the time limit for all papers, that showed taxable income was supposed to be sent to the consumer was by the end of XX/XX/XXXX 
I received a XXXX, from PayPal { XXXX } XXXX XXXX, XXXX. 
XXXX XXXX royal XXXX, XXXX. XXXX stating {$1200.00} of discharged debt. 
I feel this is unfair to send me this form at the XX/XX/XXXX of XX/XX/2017. as I now owe the IRS, an addendum to my taxes. 
This notice should have been sent to me a lot earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Victoria Secret / Comenity Bank is reporting twice on my merged infile credit report! 
I am trying to buy a house and this account is showing up twice. Victoria 's Secret sent me a new card and told me to destroy the old card because they went from a XXXX digit credit card number to a XXXX digit credit card number. It should only be reported ONCE NOT TWICE!!!! IT IS THE SAME ACCOUNT! PLEASE FIX IMMEDIATELY IT IS AFFECTING MY CREDIT NEGATIVELY! IT IS SHOWING XXXX BALANCES THE SAME AND XXXX CREDIT LIMITS THE SAME. IT IS ONLY XXXX CREDIT CARD NOT XXXX!!! I called and talked to Victoria 's Secret customer service and she said I had to take it up with the credit reporting agencies and that they could not help me. She said this has happened to other credit card holders too. This is unacceptable and is affecting my credit!!!! because they changed to a longer digit credit card number for all Victoria 's Secret credit card holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I am a home owner who has fell on hard times and unable to make my payments on my home mortgage. I am trying to do the right thing and apply for a Short Sale. I have provided all requirements for the short sale including a qualified buyer. My home is in need of many repairs and located in an area that is predominately lower class rental properties. We have a buyer for my home and submitted to my lender for approval, but my lender will not negotiate. They have advised, " This particular investor has a strategy that is not value based. Caliber is the servicer of this asset. The owner of this asset determines the amount of loss they are willing to take and when they are willing to take that loss ''. My Realtor has showed me that my home is only worth around {$70000.00} and the investor behind my loan will only accept {$100000.00}. My Realtor has explained that due to the repairs, location and sold comparables, there is no way I can sell my home for {$100000.00}. I am at a loss of what to do and it does n't seem like the investor behind the loan is willing to give me a fair chance at selling my home for what it is truly worth. I have requested a copy of an appraisal and they again advised that the counter offer is not based off any particular value and just what the investor is willing to take. There has to be another option or some way to be able to sell my home for what the home is actually worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Thomas Agency, Inc.
State: NH

Complaint narrative:
The Thomas Agency regularly call my mobile phone and appear as an " Unknown Caller '', regardless of whether I answer or let it go to voice mail, the " caller '' is not a human and asks for someone I have never heard of before. The mobile number was obviously reassigned, but I can not make The Thomas Agency remove my number and stop calling me. I even called their office and spoke to someone who assured me they would remove my number ; I just received another call. There is no means I have found to remove my mobile number from their automated system, and the harassment continues. I ca n't even block them from my iPhone because their calls do not display Caller ID information to act upon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Past statute of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This company keeps calling my employment after i had told them they are causing distress they have spoken to various people in my company asking to speak to my manager about a debt i owe. Once they said they were serving me papers and i told them ok she said to meet her at my house i called her because she never showed up she said she was n't going to then XXXX said he would serve me papers in front of everyone at work instead so i better make a payment arrangement otherwise they will serve i said please serve me to stop the harassing phone calls and everyone in my place of employment being harassed by their phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
XXXXComenity Bank XXXX/XXXX/16 I took out Comenity Bank Credit Card and purchased XXXX swimsuit. {$100.00} Too small so I returned it to the store XXXX XXXX XXXX in XXXX XXXX, XXXX, WA XXXX/XXXX/16 Order a size larger. {$100.00}. Did not fit, ( too short ). So I returned it to XXXX XXXX. 

Comenity Bank is charging me {$400.00} Total fees charged in 2016, {$320.00} Total interest charged in 2016, {$76.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
Mortgage Servicing Company refused to acknowledge timely receipt of loan modification application for HAMP review due to their failure to timely upload documents in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 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:
They originally called stating that they were representatives of a federal agency and that my file was subject to a criminal complaint. They would call from different numbers and use different tactics to get me to think i was in trouble with the law. The debt remained on my credit report months after i paid it. I have disputed it and talked to the collection agency. They indicated that because i disputed the account, they had to send info on the amount i previous owed without stating that the account is paid off.

Company response to consumer: Closed