vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: TriVerity, Inc.
State: OR

Complaint narrative:
THE COLLECTION AGENCY IS CALLING OTHER PEOPLE ( FRIENDS, FAMILY ) TRYING TO REACH ME

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
there are debts on my report that have been on my credit report for twenty years. But they are not my debt. XXXX, XXXX, XXXX XXXX and other company popping up with different Social Security Number

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Offices of Stein and Meyer
State: OR

Complaint narrative:
My wife received a call from an unknown woman saying they were trying to serve papers. My wife called # they gave her. A man named XXXX answered & stated he was with Legal Offices of Stien & Meyer. Told my wife that I owe money on an old account & am being sued. Told her account #, amount they are suing for and tried to get a settlement from her. Original amount was {$430.00} and trying to collect over {$1800.00}. This account was disputed through credit bureaus over a year ago and removed from my credit because creditor never replied with valid information. Man told my wife that he was looking at my credit report and it was placed back on there. I have not yet checked my own credit to verify but this is absurd! Not only are they threatening to sue, they are giving my wife information that by law they can not and trying to collect money from her. I can not find ANY information on this so called law firm and when I google the phone number ( XXXX ) it comes up with a marketing company

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 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: TX

Complaint narrative:
Every Day Portfolio recovery services calls to collect a debt for a Mastercard that is not mine. Every day they ask if the last XXXX of my social security is XXXX or something like that. Every day I say no it is not. They say we will call back tomorrow or are rude after that. Then hang up. Every single day. It is not my debt. I will never be the XXXX XXXX they are looking for. It is harassment to call me every day and I am tired of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I closed the credit card account and left the country. I lived in XXXX for the next 5 years and come back to realise that I have debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery has been reporting a collections account with the XXXX bureaus for quite come time without my attention. To my recollection, I have never been contacted about this debt - with validation or to pay. I recently sent them a letter on XXXX XXXX for verification of debt. PRA did not respond within 30 days, therefore, I sent a letter to all XXXX bureaus PLUS PRA on XXXX XXXX to delete the account due to no verification of debt/no response within 30 days. PRA is now re-reporting the collection on my account as of the most recent check on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15 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: FL

Complaint narrative:
I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me.. Please verify this account and the information used to open this account My credit files report an address that is not known to me and there have been attempts to open accounts from an address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harley Davidson Financial Services Inc
State: PA

Complaint narrative:
still reporting on my credit from XXXX saying missed payments and refuse to remove comments that are damaging my score

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 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: IL

Complaint narrative:
I disputed XXXX debts posted by this collection agency to my credit reports, as they are not mine. However, when I disputed them, the company re aged the debts and posted them to my report as if they were new. Please have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
called my news wifes cell phone number ( got married 2 months ago ) on a debit from 2004 ( credit card ). I did n't even know her then and this is the XXXX call to her in XXXX month. They should n't even have her phone number. The XXXX call she asked to have her number removed and not associated with this. and today they called again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-03 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
A EFT was taken out of my M and T bank account in the amount of XXXX on XXXX XXXX, 2015 by XXXX XXXX XXXX. I called the bank on XXXX/XXXX/15 to have the payment deauthorized. I was refused and told M and T that I could ONLY file a dispute. I filed a dispute. I was denied. I called XXXX XXXX XXXX and they spoke to the bank after speaking to XXXX supervisors I was turned away again. I was advised that I had up to XXXX days to deauthorize any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
Tried to send money to my niece in the XXXX XXXX XXXX XXXX for XXXX -- did it last year through MoneyGram.com. This year, I tried to send and got a message : " We 've encountered an error. '' We are unable to process your request at this time. The message says call XXXX. I did an spoke to a low-level customer service representative who indicated that my online account was " blocked '' and I could only send money if I go into a Money Gram location. ( Right. 3 days before XXXX and I am going to get out in the midst of crazy crowds to wire money -- really customer-oriented! ). My biggest issue is that she could not ( would not? ) tell me WHY!! There 's no fraud, the account I used is legitimate. She had no information and said " no one else would have any information either. '' First she offered to " escalate '' my inquiry and then she refused. I called a second time and spoke with an " XXXX '' who told me the same thing except this time she said the account was closed for " security reasons '' but could n't tell me why. I had her put me to a supervisor ( XXXX ), who said the same thing. Their ONLY remedy is to " send me to location. '' Total waste of my time -- I will do business with XXXX XXXX from now on. The documents I attached show : a ) an advertisement from them on XXXX/XXXX/2015 asking me to do business with them again and on XXXX/XXXX/XXXX where they RESET MY PASSWORD only to close my account! Perhaps they are the fraudulent ones and I am should be glad not to do business with them...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
i had call from impersonating irs and XXXX state police ( i found out the later ). XX/XX/XXXX when i return that call they told me i own {$3500.00} back taxesXX/XX/XXXX, it did not make sense. they told me send me latter XXXX, i never got it and told them. but i know mail does not come to me in the past. but if i hang up, warrant will be issue in XXXX. will have criminal records, even i am innocent it will cost me {$80000.00} later to fight, and need criminal lawyer. so they told me you have to send money asap by moneygram. so i sent {$1700.00} + {$35.00} ( fees ). Once they want me to send another half right away, i went to police and hand my phone to police officer then i learn it was scam. by the time i reach out to moneygram it was too late money has been taken away. if they really want to i know they can track it down, but the do not seem to care much. i am sure there is camera and can track it down who took the money but do not see any effort at all. ALSO moneygram does not do anything at all incidents like this or say you should never send money to government this way or mentioning scam like this which seems to be common, accepting money in limited info, example of extortions. so they do fail to explain the rules i think they are responsible as well for my {$1700.00} + {$35.00} ( fees ). they are part of scam. However credit card, XXXX are more strict. but this Moneygram ... all the numbers on receipts are not helpful. it is scary business like this exists! i do not want anyone to go through this. Please please help, thank you very much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: AE

Complaint narrative:
I received XXXX to the XXXX in XXXX 2011. We started the process of listing our home for sale and were unsuccessful. In order to attempt to be compliant with our XXXX XXXX report date the agent and lender advised on attempting a short sale. In order to start the short sale process we had to show hardship and stop payment for several months. Prior to our departure of XXXX XXXX we had late payments past due and no clarification on a short sale. Over the course of the next year we were advised to apply for a deed in leiu. Obviously during this time our credit rating was destroyed and on final outcome our home was given back with an appraisal of more than XXXX less than purchase price XXXX years earlier. As I am returning to the states in a few short months we are trying to purchase another home and are having trouble. I have just now learned of a retro action from DOD HAP that may assist our past situation. Unfortunately i do not recall receiving and information about actions via mail as nothing was formal and may have appeared to be " junk mail ''. In short my service requires my family to move short notice and has caused financial hardship over the past years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Homeowner has been under review since XX/XX/XXXX. She is awaiting XXXX and waiting for a XXXX. XXXX. The daily ongoing stresses of loosing her home are a factor in her Health failing with no answer. They approved her for a Modification on XX/XX/XXXX but she missed making her payment due XX/XX/XXXX because she was hospitalized. She got assistance from XXXX XXXX XXXX, which covered all 3 trial payments XX/XX/XXXX and the Lender did not accept it. Since then her Financial circumstances have improved, she now receives SS XXXX. With the information we have submitted for a year reflecting affordability and with the decision they already made agreeing that it is affordable and in range should conclude the same decision with the increase, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Atlantic Credit & Finance, Inc.
State: GA

Complaint narrative:
I obtained a non-secured loan from XXXX in XXXX after being forced shaped out of the XXXX XXXX. I was unemployed for 9 months and had to relocate XXXX but was paying $ XXXX/month on the debt. The loan was sent to Atlantic Credit and Financial where I continued to pay $ XXXX/month due to extended unemployment. In XXXX XXXX, while checking my credit report, I noticed that the debt was now a judgement. I had never been notified of potential legal action. I NEVER received any type of notification from Atlantic Credit ( or the law office ) informing me of the judgment. I NEVER received any type of documents from the XXXX XXXX XXXX allowing me the opportunity to respond to the claim. I DO NOT deny the debt. The debt is my debt ; however, I dispute the fact that it was placed as a judgment especially since I was paying as agreed. I am a Veteran of the XXXX XXXX XXXX and have endured many obstacles in the last few years and was just starting to recover until the judgement was placed on my credit report. Again, I am responsible for the debt ; however, I do not agree with the debt being placed as a judgement and I believe that I did not receive my consumer rights to respond prior to the debt being placed in judgement.

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 2015-03-24 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: TN

Complaint narrative:
I checked my credit report and found this collection on my report. I have no knowledge of said debt and would like documentation to back up their findings. I assume this is medical by the name and MED in the creditor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-08-25 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: DataMax Corporation
State: IL

Complaint narrative:
This debt was already paid, however it was n't mine, and it 's on all XXXX of my credit bureaus saying it was a paid collection. They never removed it! A {$96.00} debt!!!! Seriously?!!!

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 2015-05-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION
State: IL

Complaint narrative:
paid off my vehicle XXXX/XXXX/XXXX to M & T Bank and I still am unable to obtain my car title from the state of XXXX. When I purchased this vehicle, I resided in XXXX XXXX but moved to XXXX in XXXX of XXXX. 

When I paid my loan in full, I did not receive my title. I did provide a change of address when I moved to XXXX. I called M & T and was only provided with a lien release letter but no title. M & T stated I needed to obtain the title myself. 

In XXXX XXXX, I received a notice from the XXXX stating that there is an error with my title work. I contacted them via email and they advised me of the following ( see attached email from XXXX XXXX XXXX : It appears as though you brought the vehicle in from the state of XXXX and applied for registration and title, but had a lien holder on your vehicle. We produced your registration and then sent a letter to your lien holder asking for the title but they never responded. 

If you are still making payments on the vehicle and your lien holder is still in possession of the title, please contact them and ask them to either send the title to us, or provide us with a better mailing address so that we can send them a XXXX request for your title. 

If you 've completed your contract for the vehicle and are now in possession of the out of state title, then please send us your out of state title with either the loan stamped paid on the face of the title or the title along with a letter of lien release that includes:1. ) The company 's letterhead2. ) The vehicle identification number3. ) Names of all owners4. ) Signature of an authorized representative of the company. 

What we will need to process your transaction is:1. ) The original out of state title. 
2. ) A current odometer reading for your vehicle if the model year is XXXX or newer. 
3. ) A statement with your current address. 

In addition, they stated the following ( see attached ) : Now that you 're an XXXX resident you 're going to need to get your XXXX title produced. If you have paid off the vehicle but do not have the out of state title then you 'll have to apply for a duplicate out of state title. The XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is showing that the last state to issue title was XXXX. You 'll need to contact the XXXX XXXX about obtaining a duplicate title from their state and then surrender that title to us to produce your Illinois title. When you apply for their title, use the lien release that your lending institution sent but keep a copy because we 'll need one as well because your lien was recorded in both states.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Lender not willing to postpone scheduled sheriff sale to allow us to work on a short sale. We currently occupy the property and have a buyer interested in our home

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I owe this company nothing and they keep harassing me and reporting items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KY

Complaint narrative:
I submitted {$380.00} to an XXXX XXXX who claimed he could help recover monies paid but not remitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Horizon Lending services, LLC
State: CA

Complaint narrative:
We are working with a Mortgage Broker, Horizon Lending Services LLC NMLs # XXXX, that has changed the terms of our loan the business day before we were to close. I will attach later the email chain in which we are told that we are locked as well as the GFE that shows an increase in the points they want us to pay. Because this is so last minute, we stand to lose a deposit of {$21000.00}. I asked several times for a GFE, and now realize the reason she sent the information in a different format was just so she could change it at the last minute and expect us to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
To whom it may concernI am having an issue with my mortgage company M & T Bank. I have had some family issues that involve my some medically that made us have to pull him out of daycare. My son now XXXX care of our XXXX sons. Now this has made us loose an income. So we have started a loan modification with M & T Bank. Here is where the problems start. The bank approved us for a loan modification. We had agreed on a price and I am already began paying the agreed to price. Now M & T Bank is telling me that there is a lien on the title and they can not do the loan modification. This so called lean they are saying was put on the title back in 2008. I did not even own any property back in 2008. I did have a judgment on me back in 2008 and a bankruptcy that followed that. I had the bankruptcy discharged in XXXX of 2008. Now M & T wants me to take care of this before they can move forward. This is just not possible. The judgment was part of the bankruptcy and is non collectable. After trying to go to the court house both the XXXX XXXX and bankruptcy courthouse there is nothing to be done on the case. I have already sent the final decree and the list of creditors that was on the bankruptcy to the mortgage company. I even went so far as to try and contact the original creditor that filed the judgment ( XXXX XXXX XXXX ). That resulted in a run around. XXXX XXXX XXXX said that the case was closed and is showing that it was involved in the bankruptcy. Furthermore the case was not even in their files any more. The number on the judgment for the attorney does not even have that file anymore. So after all that I spoke to an attorney who stated that the only thing I need to provide M & T Bank is a copy of the petition and the final decree and talk to M & T Bank and ask to speak to a supervisor on who is reporting that there is a lien on the title. Well that also is not being furnished to me by M & T bank. The supervisor I spoke with told me it is a M & T supplied title company and they can not tell me who it is. M & T has been very frustrating in giving me information and also asking me to do an impossible task. Even if I had the XXXX dollars to pay this lien off its uncollectable and no one even has the case. Furthermore the attorney that I consulted with told me I do not need to hire an attorney that they get this all the time with title companies. That they do n't understand that a lien that was discharged in a bankruptcy can not be put on a title on a primary residence that was purchased at a later date as M & T Bank is saying that this is what happened. There is no way that a lien can be on the property from 2008 that I did not own until 2 and half years ago. Anyway I can not be the only person that this has happened to and being denied for a modification because of a personal non collectable judgment that is out in the county clerk.

Company response to consumer: Closed with explanation