vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Dear CFPB : I am writing because my home mortgage loan is a heavily-securitized loan owned by XXXX Bank, which has been refusing to modify my loan since XXXX, thereby causing me to struggle greatly financially to make the monthly payments as well as have a greatly underwater home loan due to the mortgage banking crisis. My home is currently in pre-foreclosure with what appears to be a XXXX XXXX, XXXX sale date. 
I am concerned that the recently announced settlement between XXXX Bank and the XXXX may allow XXXX Bank to give monies earmarked for consumers to private equity firms instead, such as XXXX. I am writing to ask that the CFPB and Department of Justice make certain XXXX Bank must provide loan modifications and principal reductions to the mortgages they own in the U.S. The media is currently falsely reporting that XXXX Bank no longer owns any U.S. mortgages, which is not true. My home is currently owned by XXXX Bank, while serviced by Nationstar, and is in pre-foreclosure, as well is still greatly underwater. I am working to submit yet another loan modification request this month, but if XXXX Bank is not made to provide actual consumer relief in this mortgage settlement that was just announced, then XXXX Bank will just turn down my request again. I have greatly suffered financially and have been much abused by XXXX Bank 's criminal mortgage banking processes and should be given a loan modification and principal reduction immediately as this settlement is finalized this month of XXXX XXXX. Please work on my and others ' behalf whose mortgages are still owned by XXXX Bank to compel them in the settlement to provide relief directly to consumers and not to private equity firms, such as XXXX. Thank you for your help! XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I have recently accepted a trial mortgage modification with Nationstar Mortgage. They are a XXXX company, although they did not disclose that in the initial offer. The three month trial period is over and they have sent me the final documents to sign. The letter that accompanied the loan document offered an extension if necessary. I have made two attempts to request an extension due to business travel. They gave me a deadline of XXXX XXXX, 2016 and I will be away from XXXX - XXXX for business. I was unemployed for almost five years, working jobs that kept me below poverty level to get by ... it was so bad, I was on food stamps. In XXXX, I finally got a permanent job and now would like to get back on track with my payments. I need to focus on this business trip and keep this job. I also need to speak with a family friend who is an attorney who will review the document for me, without charge, but he is busy with court dates and it will take time to connect with him. 

When I called to request the extra time, I was spoken over, yelled at, and never given a straight answer as to whether or not I may have the extension I requested. The document is ambiguous and I need time to have it explained to me and understand fully what I am signing. I kept asking for a simple yes or no and the rep just kept talking over me, arguing with me, asking me why I need so much time. I need time to research what I am getting into and it is not unreasonable to request the extension, especially since they allude to it in the letter. The last two reps have been male and very aggressive. The conversations were recorded ( so they say ). It certainly does not make me feel confident about entering into a business transaction with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
Duplicate mortgage payments were sent into Nationstar this month, rcvd XX/XX/XXXX and XX/XX/XXXX. 
Called on XX/XX/XXXX while second transfer was showing as still processing, Nationstar advised unable to stop/reject, would flag account & once received would be returned with 1-2 days ( next Monday ). No refund received, called back & was advised I needed to submit bank statement to rep 's e-mail showing the XXXX debits even though they could see the credits on their end & they would send out via XXXX. No refund rcvd, called them, was told sent on XX/XX/XXXX but no tracking #, told them XXXX has tracking # & I needed before business close, placed on hold for XXXX, I hung-up need to get back to work. They call and left msg they needed statement faced to them before they could send out. No one there can get their story straight! Credit vs check, e-mail vs fax, sent / not sent. By the time I get my refund the next payment wil be due & all my other bills will be delinquent! Either a bunch of idiots or liars, take your pick!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc.
State: AL

Complaint narrative:
I subscribe to XXXX XXXX XXXX XXXX and received a notice that AR Resources had sent non-payment claims to both XXXX and XXXX. When I called AR Resources to find out what this was about, I was treated with complete disrespect. After making several inquiries, I was finally told that XXXX XXXX XXXX had turned over my account to them. AR Resources refused to provide contact information for their client. They insisted that I would have to " google '' their client in hopes of contacting them. 
When I contacted XXXX XXXX XXXX, they advised that they did not have a mailing address for me and rather than trying to locate it, they simply turned it over to collections. I asked them how I was expected to pay a bill that they never sent. They agreed that it would be impossible to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Daniels Norelli Scully & Cecere, P.C.
State: NJ

Complaint narrative:
they took money from XXXX differnt bank accountThen they called the bank again without my authorization and tookmore money after the Settlement amount was satisfied. 

They are dishonest, rude, and been harassing me on the phone for weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
The Bank of America signed a settlement agreement with the DOJ in XXXX of 2014 regarding Countrywide mortgages. According to the Settlement the Bank of America was to suppose to modify all the Countrywide loans shown on XXXX XXXX of the Settlement. Currently Bank of America is keeping it a secret which mortgages are being modified. The only mortgages being modified are the ones Bank of America still owns. As a result Bank of America is violating HUD and CFPB 's regulations. See the attached letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Turning Point Solutions LLC
State: PA

Complaint narrative:
On XXXX XXXX, 2015 at XXXX, I received an call marked as unknown on my cell phone from a woman named XXXX that I had to call her back at XXXX ext. XXXX by XXXX that night regarding the account I have with them. First, this is Advance Capitol Solutions which is a debt collection company that I have NO relationship with. This company needs to stop contacting me immediately and I am filing a compliant with every organization I can to get this illegal company shut down.

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 2017-01-30 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: Credit Management Control, Inc.
State: TX

Complaint narrative:
On XX/XX/2016, this debt for {$98.00} appeared on my credit report. I have no knowledge of this debt and why they frivolously put this item on my credit. This item is unverified and has not been validated by me or my consumer rights attorney. This company did not send notice that item would be placed on my credit before letting me have the opportunity to verify that this item is even mine or belongs on my credit.I have never even heard of the original creditor to which is listed. I will sue if this item is not removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Collection Bureau, Inc.
State: NJ

Complaint narrative:
constant calling and threatingin

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
i send the money from United States to XXXX but the person to whom i send lost his ID now i want to change the name of the recipiender

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Atlantic Credit & Finance, Inc.
State: NJ

Complaint narrative:
The original debt was filed as a judgment in XX/XX/XXXX, the statute of limitations on this debt has expired according to NJ state law. I just found out they are utilizing a third party XXXX, XXXX, XXXX who has refiled this judgment as a State Tax XXXX with the Plaintiff as State of New Jersey not as Atlantic Credit. Spoke to XXXX County Special Civil Law Division ( XXXX/XXXX/XXXX ) ext. XXXX, they verified that it is Atlantic Credit but as you will note they did not file it as such, it is filed as State of NJ, State Tax Lien. I contacted ( XXXX/XXXX/XXXX ) XXXX XXXX for an explanation and verification as have not received a response as of yet.

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 2015-05-05 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I recently had a very troubling experience with Mand T Bank. There 's a long history with XXXX accounts in my children 's name that was started about XXXX to XXXX years ago when they were in XXXX school. They 're young adults now. I had XXXX accounts with M and T, but the trouble is only with my XXXX minor children 's acounts. 

These accounts were originally XXXX seperate CD 's, started with XXXX XXXX. The starting principle was {$1000.00} in each account. These were idle accounts where money was simply " parked ''. About seven or eight years later, XXXX XXXX was taken over by M and T Bank. The XXXX accounts had grown to about {$1200.00} because of the accrued interest. At some point, M and T Bank started charging and auto-debiting {$10.00} per month from my XXXX children 's accounts, that were now M and T " savings accounts ''. I was never made aware of the charges, had no idea this was going on. No one from M and T called to alert me to the monthly drain on these XXXX idle accounts. Just a yearly " sign to keep active '' notice. 

My wife and I have or are responsible for roughly XXXX-XXXX small accounts in savings/checking/education/401k 's, and IRA 's with various banks. They include my wife 's ageing and ailing parents accounts, who are/were at poverty level income ( XXXX now deceased ) and maitaining their meager property, and caregiving as well. We have much to deal with on a daily basis. Although we received sporadic account statements from M and T Bank, the charges and declining balances on these XXXX accounts were not noticed. 

I only became aware when I saw my XXXX year old son 's name listed in the local news paper that had a listing of unclaimed property held by the State just last week, XXXX 2015. M and T Bank closed that account which I believe is now about {$820.00}. 

I was stunned that this could happen to anyone, let alone a minor. I am still waiting to here from M and T Bank on this matter. 
I appreciate any help or guidance you can give Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
M & T bank is profiteering and gouging its customers by charging fees for basic industry standard services that are available elsewhere for free. The current industry standard way to connect XXXX software running on a customer computer to a bank 's system is via XXXX XXXX. This is replacing the old XXXX method. All the other banks have changed over to this method and is offering this industry standard method of connection for free, except M & T who wants to charge $ XXXX/ month to use this industry standard method of connecting and downloading my banking transactions with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Today, XX/XX/2016. I visit the M and T bank in XXXX, XXXX MD often. There is only XXXX tellers working and sometimes XXXX which cause the. I went in there one time it was a teller working the drive thru and window. The line was extremely long today and there were only XXXX tellers working. XXXX teller was working the drive thru and the window. The lady behind the glass said it is the first of the month, that is more reason they should have more than XXXX teller at the window. I understand that it is the XXXX of the month, but I have gone to this bank at other times and it only XXXX teller working the window and the other at the window. It is frustrating and others complain as well. I am considering doing my banking at a different bank. This particular bank happens to be closer to my job. For better customer service it is worth it. I am writing for those XXXX people, and working people that my not have a choice but to use this bank. I hope something can be done soon. I hear this particular bank is always like this. I told the bank manager, I assume that 's who she was, that this is not right. Then she began waiting on customers. I hope this helps and hopefully M and T bank will employ more tellers.

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 2016-06-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: DataMax Corporation
State: TX

Complaint narrative:
XXXX XXXX in North Carolina submitted my account to a collection agency Interstate Credit Collections before sending me a final bill after I requested services be discontinued due to moving out of state. My next bill would have been due on XX/XX/2016. The collection notice arrived with a date of XX/XX/2016. A XXXX representative verified that they did have my forwarding address, but that it is their policy to turn accounts over to the collection agency within 72 hours of the date due. The date of my bill from collection agency is the same date the bill would have been due, not 72 hours. XXXX did not mail a final bill to me prior to submitting it to collections. This would appear to be an illegal practice. I have paid the bill in full, but XXXX indicates that it is not their responsibility to remove it from collections. I notified Interstate Credit Collections today that the bill has been paid in full to XXXX directly. They have assured me that this will not affect my credit. However I have no reason to believe this. XXXX XXXX should not be able to submit consumers to collection before providing them a final bill. I hope that something can be done to curtail this practice as I am sure it has a negative impact on consumers ' credit! 
I will now have to chase this with the credit bureaus to ensure that it has n't affected my credit. Both businesses have assured me that it wo n't. However the collection agency could not verify that I 've paid XXXX XXXX because they say XXXX needs to submit it as paid to them. XXXX tells me they ca n't remove the account from the collection agency even though it is paid in full. So where does this leave the consumer? 
I hope you can help me confirm this is n't on our credit as we are purchasing a home!

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 2016-05-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC
State: CO

Complaint narrative:
i sent a request pursuant to the fair credit reporting act demanding the said company prove they have the legal right to collect said debt even if debt exists. they ignored the request and let the statue of limitations expire. I then sent a final demand to remove the item and cease and desist. They intern sent a validation of debt in response. All documentation will be included. I followed up with then and their response was to hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Herbert P. Sears Co., Inc.
State: MT

Complaint narrative:
I contacted the debt collector to find out who I originally owed the money to. I spoke with a representative and a manager. Neither would provide me with contact information for original doctor 's office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX I opened a checking account at M & T Bank. This account was supposed to include a {$200.00} bonus at the end of 90 days with direct deposit. After XXXX emails and a phone call I was sent an email on XXXX that I would be receiving {$200.00} in my account on or before XXXX. I never received the bonus so I sent another email. On XXXX, XXXX, I received anther email that they were looking into the matter. They are clearly stalling and I suspect fraud. I am sick of this back and forth stall. I want this settled now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: IA

Complaint narrative:
On XX/XX/XXXX our mortgage was transferred by XXXX XXXX XXXX M & T Bank/XXXX. Since that date, I have made every payment on my mortgage. I have not received a statement from either entity acknowledging my payments or telling me how the money was allocated. I did get an incorrect statement from M & T in XXXX, with a corrected statement regarding what I had paid in interest and property taxes that actually indicated what my mortgage balance was. I applied for mortgage modification last XXXX and made the indicated trial payments on time. When I got the information for modification, there was NO reduction of the 6.375 % interest rate, simply the offer of a new 40 year mortgage. This was not at all satisfactory and our bankruptcy attorney said to not return the document. ( we filed for Chapter XXXX bankruptcy XX/XX/XXXX ) I have received several calls from XXXX re. the modification and told each person it would not be signed or returned XXXX weeks ago I had a letter from XXXX telling me that the modification had been denied since it had not been returned on time. This letter also said we had been " conditionally approved for the following liquidation options : Sell the Property, Short sale or Deed in Lieu of Foreclosure. It also indicated that if I did not complete a list of documents within 37 days, foreclosure proceedings would be taken. I am NOT behind in my payments nor have I missed any. I do NOT know where I stand with my mortgage and I now feel very threatenedby what these XXXX entities have done and not done. This has seriously affected my health because my XXXX had to increase my XXXX XXXX meds. I have formally send requests to both entities to send me complete accounting of my account - they have ignored the request. I need help. I do have documentation of times of phone calls and can make copies of all paperwork that I have received. Thank you for your help What I want is a reduction of my interest rate and I want a full accounting of every bit of money I have paid them and a stopping of letters that threaten foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 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: MD

Complaint narrative:
Berks credit and Collections continues to report on my credit files that I owe XXXX different amounts as XXXX different collection accounts. I have made numerous attempts to communicate with Berks to inform them that these accounts do not belong to me as Berks are unable to provide verification that I own the debt : ( ie. my signature )

Company response to consumer: Closed with explanation