vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Dear XXXX Staff, XXXX bankruptcy filed in XX/XX/XXXX. Bankruptcy was dismissed in about XX/XX/XXXX due to falling behind on plan payments. My husband is XXXX became permanently XXXX in XX/XX/XXXX. I am XXXX, permanently laid off from my job of eight years and have filed for XXXX. Pennsylvania statue of limitations to collect a debt is four years. Portfolio Recovery Associates started contacting us by phone and US mail sometime after the bankruptcy was dismissed. I told them our situation and the statute of limitations in Pennsylvania verbally and also have sent them a letter to cease and desist. They continued to call us and send us bill statements in the mail. We registered our telephone numbers with the Do Not Call List several years ago. Their behavior is considered harassment to us. Just recently, they also placed a collection derogatory remark on both of our credit reports without notifying us of such action. They were asked to remove the derogatory remarks from our credit reports, but they have not complied with the request. They have been asked verbally and in written communication not to contact us and that we are on the XXXX Not Call List. Portfolio Recovery Associates is a debt buyer of old debt for pennies on the dollar and then attempt to collect the full amount plus fees for debts that are past the statue of limitations for collecting. Please try to stop them from harassing us anymore and please try to get them to remove the derogatory collection comment from both our credit reports. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 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: MO

Complaint narrative:
An account was opened unaware to my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
They leave messages telling me to call in re debt collection. I called them to find out what it was about ( the previous owner of my phone number incurred numerous debts ; I have had calls from collectors before ). They demanded my social security number in order to " reference my account ''. I naturally refused and told them " you called ME, so clearly you already know something about me with which you can look up my so-called account ''. They hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have been continuing to get harassing phone calls from Portfolio Recovery Associates. I do not owe them any money. It seems like they have purchased an old debt. I have not taken on any debt in over 10 years, and so anything they would be attempting to collect would be very old, from more than 10 years ago, and way beyond any statute of limitations. 

Each time they call, I tell them not to call my number any more. Recently, I told a XXXX XXXX that he and his company were no longer to call me when he called me on XXXX/XXXX/2015 at XXXX XXXX. 

Since then, I have received threatening telephone calls, in which the caller has refused to identify the company behind the call. These recorded calls have come multiple times a day at times, and have been very threatening against me by saying a complaint has been filed against me, and that I was going to be arrested. It is always the same woman 's voice on the recording, and it sounds like she is reading the threat off of a piece of paper. This has happened at times on an almost daily basis. I believe that Portfolio Recovery Associates is behind those calls also, because no one else has been trying to collect anything from me, but since it is a recording and they do not identify themselves, I can not prove it is from them. 

Now, today, XXXX/XXXX/2015, I just received another call from a representative of Portfolio Recovery Associates, at about XXXX or so. He did identify the company this time. He was very aggressive and demanding in his tone. This is after I have told them repeatedly never to call me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Service is a debt collection service that has been harassing me for quite some time, regarding debts I am unsure about. They contacted employers, friends, etc. When they call, they refuse to verify the debt without me giving up personal information, which I refuse to give to someone stating " this is a debt collector, that is all I can tell you without more information ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-20 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: CA

Complaint narrative:
CASE # XXXX. 
Portfolio Recovery has not called me for a while but has but has started again about a debt that I do n't owe. The most recent numbers that they are harassing me from are ; XXXX on XXXX/XXXX/15 XXXX and XXXX XXXX/XXXX/15 at XXXX. I have blocked XXXX phone numbers that have called at all hours of the day and night, most are from portfolio recovery. I do n't want them calling me a XXXX times a week as they did earlier this year to threaten to kill me if I do n't pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I currently have a vehicle loan with M & T Bank for my 2012 XXXX XXXX. Due to some unforeseen circumstances, my autopay was kicked back and I missed 3 monthly payments. My car was repossessed and since the morning it was taken, I 've been trying to make a payment to get it back. First I was told that the bank had n't received confirmation of repo and they would call me when they did ; that call never came. I called to get a balance due, including repo fees and still they had no definitive balance. Again, I awaited a call back that never came. Since then, I have called more than 10 times in the last 3 days to no avail. Now the bank is claiming that they can not give me an amount until they have the title of the vehicle because they are the lien holder. I do not have the title, it was registered with the state of Florida upon purchase and the bank is in fact listed as the lien holder. My vehicle has been moved to an auction house and I have yet to get any solid information on how, when, or where I can get my vehicle. I have the money to pay but this is absolutely ridiculous. Every time I call, I get told I ca n't be given a payment amount because if I bring the account up to date, they have to return my vehicle and they do n't want to do that in fear that I may sell it and they lose their money. I 've had this vehicle for 4 years now with no intention on selling. I purchased it with my hard earned, XXXX XXXX XXXX XXXX paychecks and to be toyed with is absolutely embarrassing and disappointing. To add insult to injury, the late fees assessed by this bank exceed the past due amount and have been dragged from a previous late payment and increased each month. I also am expected to pay the storage fees for days my vehicle was at the repo facility because the bank failed to request the balance and relay it to me in a timely manner. This is outrageous and unsatisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
This is a follow-up to case # XXXX. I read over all the bank had to say. What they forgot to mention is that they had put up the house for sale a week prior the court date. They listed our home one week before the court date that was established to cancel the sale. This is what I 've been trying to explain to the courts and the appeal courts, but it 's like they 're overlooking this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Direct Capital
State: PA

Complaint narrative:
A third party debt collector called my personal cell, my spouse, and then my employer. They disclosed false information to one of my coworkers that I was scheduled to be subpoenaed to court and demanded that he transfer them to me. They also told my spouse that they were being uncooperative because she would n't give me the message without knowing what the complaint was. 

XXXX with Direct Capitalgave the number of XXXX ext XXXXcalled from XXXXalso from XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA

Complaint narrative:
I was contacted by XXXX and told that they had a gas scooter I had been looking for in stock. I sent the money by money gram and was given a bogus tracking number. They later contacted me again wanting additional money. Scooter not sent -- -- {$1400.00} lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: JP RECOVERY SERVICES, INC.
State: MI

Complaint narrative:
They called XXXX times in XXXX minutes and a XXXX time XXXX minutes later. When I answered the XXXX time and tried to explain that I can not take calls of this nature during work, they attempted to keep me on the phone rather than just providing me with their contact information so that I may contact them when I am not at work. It took entirely too long to get this information from the representative on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: MORTGAGE FINANCIAL SERVICES, INC
State: MA

Complaint narrative:
Loan officer never told me about all of the requirements for getting a mortgage. Entered into an agreement t purchase a home that needed some work. Loan officer told me the requirements under the loan I was getting were, A room must a closet to be considered a bedroom and that home ca n't have any unfinished rooms. With that information a I agreed to continue and have an appraisal done. When the appraisal came back it was noted to have some minor peeling paint and a couple of loose roof shingles. Loan officer told me that in order for Mass Housing to approve this loan I would need to repair these items. Neither I or the homeowner were ever in a position to do this. Had I known that these items would have been a requirement I would n't have gone forward with this appraisal. This is just XXXX example of the deceptive and incompetent practices from Mortgage Financial.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I sent a check to XXXX for XXXX XXXX dollars and relieved a collections notice recently I did not think there was correspondance between the XXXX companies. I recently called XXXX and paid in full

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 2017-02-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In XXXX had several student loan with XXXX which were in repayment for years. Because I could n't meet the minimum payments my loans were transferred to numerous of collectors. I continued to pay my loans via these collectors who harassed me day in and out and realised my meager payments were n't helping the matter and ceased payments. Fast forward 7 years later i am now being sued by several collections law firms for an astronomical amount claimed to be owed by me. The accounts were charged off/ closed in XXXX and navient has recently updated information on my credit report stating my last payment was in XXXX which I have requested proof of, and have yet to receive. I do believe i am a victim of unfair practices. None of these firms have provided the requested documentation of all credits and debits made to this account. navient is constantly changing the amount of days past due on my account which is inaccurate and dishonest. these practices are unethical and must be stopped. thousands have been paid back and i am being held responsible for more that twice than what was borrowed and paid. furthermore the statute of limitations placed on private loans have come to term and is being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
Ocwen mismanaged our loan documents. When we went to sell our house, they could not find a lien for 3 Months. This caused us to be homeless and had to live with no income for over 3 months. We have had issues caused by the delay. We have lost a years income and have suffered tremendously since this issue began. The loss we have is tragic, but they have also left us with an unsecured attachment to a loan that is for {$24000.00} Anyone that wanted to lay claim to me for that amount could. I have no home as an asset, yet I could owe someone at any time. Because my lien was not properly entered into their system I was left holding a loan on my credit. They were responsible for getting the financial documents processed correctly. They have the ability to hold up someone 's life by their actions. This claim needs to be resolved. I do not believe I should have been treated this way by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
Was receiving calls from Allied Collections in XXXX, Mi for some outstanding medical bills. On XXXX XXXX, 2017 a settlement was reached for {$1300.00} to close all outstanding medical accounts. The amount was paid in full. Maybe two weeks later after my credit report was refreshed it showed the accounts closed, but NEW accounts were added from Allied Business Solutions ( same company ) all for the same exact dollar amount as the ones that were just paid off in the settlement. Unfair and deceiving business pratice plain and simple. This company operates under different names but are all the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion has not deleted a Tax lien that was filed in error. I disputed this XXXX times with the Transunion only for it to come back verified. I have provided XXXX letters from the original creditor ( XXXX ) explaining how it was filed in error. I have also provided a letter from the source ( XXXX County Recorder ) also indicating it was filed in error, yet it remains on my credit report. XXXX and XXXX removed this item immediately upon receipt of the documenation I have attached. I am asking requesting intervention by the CFPB to act for removal of this tax lien clearly filed in error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Unfortunately, I did not take note of every statement I have received, nor did I take note of all contact with XXXX XXXX XXXX. We received a statement dated XX/XX/2016 for {$230.00} from XXXX XXXX XXXX. I called my health insurance company, XXXX, on XX/XX/2016 and asked them about the statement. XXXX informed me that XXXX XXXX XXXX has a contract with them and as part of their contract, XXXX XXXX XXXX should NOT be contacting me for payment. I called XXXX and let them know that and I told them that I just want to make sure that this does not go to collections and hurt our credit that we have worked so hard to build. The employee at XXXX XXXX XXXX would not confirm with me that our account would not go to collections when I asked. Since XXXX was unwilling to help me in any way, I decided to call XXXX back on XX/XX/2016 to let them know that XXXX would not confirm with me that my account would not go to collections. XXXX put me on hold and called XXXX XXXX XXXX. The representative at XXXX spoke with XXXX XXXX at XXXX. XXXX confirmed with me that they already payed XXXX {$230.00} for the services rendered and that the bill that XXXX sent me was a double charge. XXXX gave me a confirmation number of XXXX. I called XXXX back on XX/XX/2016 to confirm that everything was taken care of, given I had not received another statement in about a month 's time. XXXX told me that they sent XXXX XXXX the Explanation of Benefits and that I am not accountable for the payment and to stop worrying about it. I felt at ease until I received another bill from XXXX XXXX XXXX on XX/XX/2016. The statement read : ****FINAL NOTICE**** YOUR ACCOUNT IS SEVERELY DELINQUENT. IN ORDER TO AVOID FURTHER COLLECTION EFFORTS, PLEASE REMIT PAYMENT UPON RECEIPT OF THIS STATEMENT. Today, I received a bill from a collection agency ( Synerprise Cpnsulting Service, Inc ). I am just too busy to be dealing with this. My mother just passed away. I just do not know what to do or who to contact to resolve this and to prevent it from hurting our credit. Please help! Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I received a promotional mailer from M & T Bank stating that if I opened an EZChoice Checking Account with a minimum monthly direct deposit of at least {$100.00}, I would receive a {$150.00} bonus within 90 days of account opening. I opened my account on XXXX/XXXX/2015 with a {$100.00} initial deposit and subsequent {$50.00} weekly direct deposits. 90 days came and went with no {$150.00} bonus. I reached out to the XXXX ( Delaware ) XXXX to speak with XXXX XXXX, who originally opened my account. She claims I am not entitled to the bonus, because it had to be {$100.00} weekly direct deposits. When I opened the account in XX/XX/XXXX, I told XXXX XXXX I was going to make {$50.00} weekly direct deposits. She said nothing to the contrary. This is false advertising, plain and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
I was sent a bill and the provider was in between XXXX accounting systems, they billed me on both for copays over a period of time, after we worked together to resolve it and I paid what I owed, they eventually sent me a bill asking for the same copays again off and on over a period of 18 months or more. I told them it was paid and showed proof several times. 

Then they billed me for office visits in the beginning of the year which went against my deductible, which under normal circumstances I would owe BUT I LOST MY JOB because the doctor inadvertently put XXXX different dates for return to work on my XXXX and work forms. When I called to verify I explained and they still gave me the wrong date, hence I lost my job! So I had to go back in for a televideo appointment to explain to her what happened so she could write a letter and I could get unemployment. Why would I pay for that??? 

On another account for my daughter they billed the wrong insurance even though I gave them the correct information each visit. She had double coverage which would have covered it except they did n't even bill me or ask for the insurance information until XXXX or more years later! Which now the insurance refused to pay because of the late filing of the claim which was their fault. The office has inadequate employees who apparently are confused. 

This office has a long history of administrative mistakes, the debt is n't mine.

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 2017-02-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC
State: NJ

Complaint narrative:
I was in the intensive care unit when the hospital brought in a XXXX for XXXX, I was diagnosed with XXXX. I had XXXX and XXXX for hospital coverage at the time. Why should I be penalized for this debt because the doctor was not in the network?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
M & T BANK PUT MY TAX MONEY IN SOME ONE ELSES ACCOUNT AND SAID THAY CAN NOT HELP ME THAY SAID THE IRS IS RESPONSIBLE AND THE IRS SAID THE BANK IS RESPONSIBLE I CAN NOT GET ANYTHING FROM XXXX XXXX IN WRITING I ONLY PUT XXXX DIDGITS ON MY TAX RETURN FOR MY ACCOUNT # BUT IT WENT INTO ANOTHER ACCOUNT PER LADY AT THE BANK AND THAY CAN NOT GET IT BACK SO I AM JUST OUT OF LUCK AND OUT OF {$1300.00} THE BANK WONT EVEN CONTACT THE PERSON WHO 'S ACCOUNT IT WENT INTO. OR HELP ME IN ANY WAY TO GET THE MONEY BACK EVEN THOUGH THE ACCOUNT DID NOT HAVE MY NAME ON IT OR XXXX # ON IT AND ONLY XXXX NUMBERS FOR AN ACCOUNT # WHO HAS ONLY XXXX NUMBERS FOR AN ACCOUNT # NO ONE THAT I HAVE ASKED HAS ONLY XXXX NUMBERS FOR AN ACCOUNT #.

Company response to consumer: Closed with explanation