vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-26 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I opened this CD account ( along with XXXX additional ) approximately 5 years ago. I now wish to close this account, but M & T Bank is making it impossible. When I opened this account I was adamant that I did not wish to have these accounts renewed automatically, I was told at the time I opened the accounts that it would be not be a problem and it would be noted on the account, this was not true. 
I sent my son to the bank on my behalf, I am XXXX XXXX XXXX with a XXXX XXXX and XXXX, and have difficulty getting around. He was told at the branch that the power of attorney that he possessed was not valid and the institution would only accept their own power of attorney form. 
I feel that M & T Bank uses deceptive methods and is attempting to take advantage of a XXXX. 
I am attaching a copy of the power of attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 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:
I have documentation that I can fax or upload to you. Also, the XXXX businesses that I have dealing with ( XXXX XXXX, XXXX, and Synerprise Consulting ) have all verified that the XXXX HAS been paid. This can potentially cost me thousands of dollars with a mistake that was not mine. Please help. Nobody can explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: DataMax Corporation
State: NC

Complaint narrative:
I have never been contacted by INTERSTATE CREDIT COLLECTIONS. However, they appear on my credit AS A PAID ACCOUNT. I have never been contacted by them nor have i ever made a payment on this account. 

I have contacted them 5 five times. They continue to ignore me and report the erroneous account on my credit. I have also filed a complaint with the AG office.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I had a checking account with M and T bank. I had an overdraft line of credit with them as well, just to be used if my account was overdrawn. I had this for several years with {$0.00} in fees and a low APR - since it would be a charge of {$10.00} or less and paid off at the end of the month kind of thing. 
After the XX/XX/XXXX subprime credit crisis, the terms on the account change. I learned quickly that there was an exorbitant fee ( {$40.00} ) and 27 % APR on the card, compounded what seemed to be daily because I could n't even pay off the balance without more interest showing up. 
I moved my checking account to XXXX, and kept my M and T checking account with overdraft line of credit open in case of an unforseen issue. 
In XX/XX/XXXX I did a credit check, and got suckered into the " enter your CC number for a free credit report '' scam. I then got seriously ill for 3 months. 
During this time the " free credit report '' agency billed me twice for 40 dollars, and then again for 40 dollars which I got reversed. 
This ended up hitting my overdraft since it was an empty account no one was supposed to use, for a total of 120 in principal,?? in fees, and then the 28 % APR. By the time I recovered and was able to log back in ( the paper statements went to my old address I no longer lived at ) There was a balance of {$270.00} on my overdraft. Instead of trying to fight the bank since M and T has treated me so badly in the past, I transfered the balance from my XXXX account, and paid my overdraft account. However unknown to me - because of the insane interesting compounding in the 3 days it took to transfer money from my XXXX account just under {$9.00} dollars accrued in the MTB overdraft account. 
I called and said close all my accounts, and never spoke with them again. 
2 years later when I applied for a car loan, I look at a copy of my credit report and find out MTB sent a delinquent notice to all the credit agencies. 
They never called me. 
They never sent the NINE DOLLARs to collections. 
I was furious, I called M and T and they refused to do anything except let me pay the 9 dollars and stop reporting the delinquent account. 
My credit will be impacted for 8 years because of this travesty, please help me. 
Because my accoutn is closed I have no paper records of this - maybe if I file a lawsuit with the bank I can subpoena them?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau of Columbia, Inc.
State: KS

Complaint narrative:
I have disputed with XXXX and Accounts Management Svcs several times this account does not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I fell behind on my mortgage and applied for a refinance/bailout with M & T bank. I was approved, signed/notarized all the documents, and returned them to the bank XXXX 2015. I apparently missed a signature page and M & T resent the documents without informing me. Someone signed for the documents that does not belong to my household. I have personally experienced mailmen and UPS people switch the numbers of the house and deliver other peoples mail to me. I tried to express to M & T that it was not me who signed for the documents. but they will not resend the documents to me. Instead, I need to reapply.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION
State: GU

Complaint narrative:
I acquired a vehicle loan in XX/XX/XXXX through XXXX car sales with M & T bank. Even though my interest was sort of high I wanted to have a chance to establish a better credit history than I had at the current time. My loan was for $ XXXXXXXX7.29 % interest. I started making my payments on time the XXXX few months. My payments were due on the XXXX of the month around XXXX I was making payments later than the due date but I called every time to talk to a representative and asked what my payment was and if I owed any late fees. I was told that my payment is {$530.00} which is my monthly payment and that I had no late fees because of the grace period. I got a bill XX/XX/XXXX stating that I owe {$320.00} in late fees. I called them and was told that since I did n't ask about the how much late fees when I called to make the payment they do n't have to tell me. I was also told that I needed to read the bill and not depend on the customer service for information pertain to my bill even though I asked every time to ensure that I was squared away. I was also told that if I did n't catch that I owed {$320.00} then it would have kept rolling over until the end of the loan then I would have owed a crazy amount to them in late fees. My point is when I asked I was told different and if I was reading my bill and not understanding then I cant depend on them because its not their responsibility to help me understand or inform me after I asked them the question. After I talked to XXXX person I called back to get the number so that I can make a formal complaint and I feel like the person on the phone was very disrespectful and was not concerned with the issue that I was having. Not once did any of the representatives ask if how we could fix the problem or what could they do to help. All they did was point the finger at me and I am definitely pointing my finger at them because I believe as a customer trying to keep up my end of the deal I am being wronged and taken advantage of. This is the only service that I know that handles business this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 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: DataMax Corporation
State: NJ

Complaint narrative:
I have a rental property in XXXX that was empty for a short period of time in XXXX 2015. The utilities were supposed to never be transferred in my name ( due to an incoming tenant ) but apparently were because XXXX XXXX billed utilities to my account. XXXX XXXX has both my phone number, email, and address but I received no calls, no emails, no letters at my address in XXXX and the tenants have stated they received no letters for bills or collection notices in my name. 

On XXXX XXXX, a derogatory remark hit my credit. I called within the hour to XXXX, who directed me to the debt collection agency. I still have not verified the debt is valid ; however, given that despite having my phone number, email, XXXX and XXXX address -- - and no notification being received on my behalf, I would pay a legitimate debt owed within the hour of notification, but I need the derogatory remark removed since I was never informed of this debt. 

The debt collection agency claims they mailed letters to my XXXX address ( however, both my tenants have affirmed they never received any mail in my name ), and I even pointed out they had my email and phone number and could have contacted me. They did not care, claimed that regardless what I said or what I did, they put a letter in the mail and they would not be removing it from my credit report. 

I have never even paid late on a single bill that I have been notified of, let alone had something like this happened. If XXXX XXXX or the collection agency had conducted any level of due diligence into proper notification ( utilizing email, phone #, multiple addresses ), and notified me that I owed them money and why this would have been paid and settled within hours. 

This should not be on my credit nor remain on my credit report as a derogatory remark given the circumstances ; however, the collection agency has notified me that regardless what evidence, what information I provide, or what I can prove they will not remove it from my credit. 
The company 's phone number is ( XXXX ) XXXX, the lady that I 've mostly spoken with is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
i got a call from a random number talking about my brother hit someone by the way this is false whatever so yeah they are on the phone yelling at me telling me that i cant get the police involve that i need to find money and they will let my brother go so i did i found money and they sent me to star market so i can do a money gram so that when they get the money they will let my brother go so i did and come to find out it was a scan none of this was true.i filed a police report but i was told to bring it to the fbi so here i am

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: GA

Complaint narrative:
American Education Service sent me a collection email 3 days before my account is due. Please advise.XXXX XXXX XXXX. 
Here 's the text of the email : This message has been sent to you based upon your existing relationship with American Education Services ( AES ). If you are not the intended recipient or received this e-mail in error, please contact AES by calling XXXX, and then delete this e-mail from your system. 

This message is being sent to inform you that a student loan, serviced by AES, for which you are the cosigner recently became delinquent. 

If payment has already been made, please disregard this notice. 

Please be aware you are equally responsible for this debt and the situation must be resolved immediately to avoid negative credit reporting for both you and the primary borrower. 

To protect your credit rating and avoid collection calls it is important you resolve this situation today. You may do so immediately by clicking the link below to make your payment : XXXX/signinAmerican Education Services Payment Center XXXX, PA XXXXXXXXPlease do not reply to this e-mail as this e-mail account is not monitored. 

You 've received this e-mail because you previously provided AES with your e-mail contact information. If you want to be excluded from future e-mail messages, please unsubscribe here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN

Complaint narrative:
I recieved a call stating that I had won XXXX XXXX XXXX XXXX dollars, from publisher clearing house. I needed to go right then an send money for the taxes, {$1000.00}, then it would be you need to pay {$1500.00} for storage, it kept on for 2 months before I was pawning everything, about to lose everything, owe everyone because I thought it was true, an they believed in me an then when I could n't give their money back, one wanted to serve papers on me, so now I have checks bouncing, so I get her part of her money. I ended up giving them XXXX dollars, i asked for a refund but that is not going to, happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Immediate Credit Recovery
State: OH

Complaint narrative:
I received a Notice of Proposed Wage Garnishment dated XXXX XXXX, 2016. The letter indicates that I have 30 days to request hearing and/or agree to a voluntary payment arrangement equal to XXXX % of my " disposable income ''. In an effort to avoid garnishment on XX/XX/XXXX, I contacted Immediate Credit Recovery, the current servicer of the loan. I spoke with an agent, XXXX at extension XXXX. Initially I was advised that my loan did not qualify for rehabilitation. I inquired why I was eligible two months prior but not eligible now, she double checked and determined that the loan was eligible for rehabilitation. She proceeded to capture financial information ( gross pay less taxes, insurance and expenses ) and calculated a potential monthly payment amount, contingent on confirmation of the financial information provided. The proposed plan amount {$920.00}, my calculated disposable income is $ XXXX/month. I was also provided an option to settle the balance for approx. $ XXXX however am unable to settle the balance. On XX/XX/XXXX I reached out to XXXX to confirm how the proposed rehab/plan amount was calculated, she indicated that it is based on XXXX % of my AGI. She also indicated that there was another repayment plan which takes expenses into account, she referred to this as a " reasonable and affordable calculator '' however again, is not based on XXXX % of my disposable income as indicated in the letter. I asked XXXX to clarify that the option which was written in the letter, 15 % of disposable income, is not an option for repayment - she confirmed. On XXXX/XXXX/2016, I called the Dept. of Ed and spoke with someone in customer service who referred me back to Immediate Credit Recovery, Special Assistance Unit, explaining my concerns and requesting a call back. I called again on XXXX/XXXX/2016 and left message. To date, I have not received a response to either message and indicated in both that I am attempting to respond timely to avoid garnishment as indicated in the letter, action is required by XXXX. My concern is that the letter is clear, I have an option to avoid garnishment and by agreeing to repay XXXX % of my disposable income. I wish to repay XXXX % of my disposable income however Immediate Credit Recovery is not providing this as an option and is non-responsive to escalated calls. Either the US Department of Education has provided false, misleading or deceptive information in the letter dated XXXX XXXX or Immediate Credit Recovery is unwilling to honor the option written in the same communication to pursue wage garnishment which is abusive and/or deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc.
State: FL

Complaint narrative:
The company is calling my work number to collect a debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Northstar Location Services, LLC
State: MS

Complaint narrative:
This individual has called me almost every single day in regards to credit card debt that I have been unable to pay due to unemployment. He leaves numerous messages. He has called my parents, my brother, and most likely other individuals that share my last name. I called him today and he threatened me by saying that if I did not pay a certain amount that legal action would be taken. He hassled me to ask family members for money. I told him NOT to call my parents as I have not lived with them for 15 years and they would not be paying this debt on my behalf.

Company response to consumer: Closed
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: NV

Complaint narrative:
I had a mortgage on property in moundhouse Nevada the mortgage was sold to M & T bank, XXXX XXXX XXXX XXXX Maryland from XXXX XXXX XXXX number XXXX On XXXX XXXX th I called and asked for a payoff total on this loan, I was told the amount was {$72000.00} I then wired this amount on the same day from my bank. They told my Daughter several days later that they would not post this payment until XXXX and We owed another {$350.00}, I sent the money, is this legal they would not post the transfer money until they could charge another months interest. Thanks for your help..XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AR

Complaint narrative:
my father XXXX XXXX from XXXX XXXX XXXX sent me XXXX through Money gram and the reference number did not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: MI

Complaint narrative:
I have asked numerous times to have Money Recovery Nationwide remove my collections off my credit reports. To which they respond they do not do removals. 
I made a payment arrangement to have these collection tactics stopped and reported every month. I am disclosing why Money Recovery Nationwide is wrongfully posting these collections on my credit reports, and also how MRN is collecting on accounts that are not valid. 
First off a new balance is added to my credit report as a " New Collection '' instead of updating a current balance. When I have contacted MRN they tell me they are new accounts that are going into collection and they have to report them. 
I only have XXXX accounts with XXXX XXXX Hospital ( See attached documents ) The letter of verification MRN sent me has numerous account # 's and none of these numbers are matched up to my XXXX XXXX XXXX account #. ( Attached are documents ) My accounts # 's are XXXX and XXXX MRN has Different Account # 's on the Verification of accounts all XXXX of them. 
Also I am attaching a Bill MRN says is from XXXX Hospital ( who the debt they are collecting on ) As you see, it says Guarantor account # is one of the numbers with my XXXX account. Which is how my account is setup through XXXX which I verified with the XXXX XXXX. The other discrepancy in this bill is that it is fake, I will find the original bill and show you if needed that XXXX Hospital Billing and accounts are in XXXX Michigan and not XXXX Michigan. This was verified by XXXX XXXX themselves. They do not have any offices in XXXX Michigan. MRN is out of lansing they explained. 
If MRN continues to argue that my accounts are separate and do not remove my collections. I will have to take further legal action and I want to avoid this. 
I was never notified that MRN was going to collect on these debts, I was only notified when my Credit Report showed them. 
I want all these debts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I have a mortgage and a home equity loan both payable to Ditech. Every month, I would receive XXXX bills with payment stubs. I would mail XXXX check with both stubs back and payments were allocated correctly. Until this past XXXX when allegedly Ditech got a new system that electronically read checks and stubs. They apparently applied XXXX check to the equity loan making the mortgage appear in arrears. I started to receive collection calls and each time I would explain and receive assurances the payment would be reallocated. That never happened. I have received XXXX calls, XXXX sets of collection letters, XXXX sets of certified letters, instruction on filing for government assistance. In between all this I get letters telling me they 're investigating. 

I 've spoken with several service reps, XXXX supervisors who never return voicemail messages and I 've attempted to reach an executive in Ditech 's headquarters in XXXX PA only to be dropped from their IVR system. I 've attempted to email Ditech at an email address in their statement only to have it bounce back. I 've mailed outlining payment check numbers, amounts, date of issue, date the check cleared and no response. I 've paid every. Bill in full and on time. Ditech have been completely unresponsive and inept.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation