vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JAMES B. NUTTER & COMPANY
State: HI

Complaint narrative:
Debt collector falsely represent that they are attorneys and continues to harass and take illegal actions to force payment of an alleged debt. 
Debt collector is a replacement of a previous debt collector who withdrew from an illegal court action, after being demanded to validate the alleged debt in which they could not. 
Present debt collector has not validated or verified the debt. I have repeatedly demanded validation and verification to no avail.. 
Debt collector has been demanded to cease and desist but continues to use private information, nonjudicial action to dispossess consumer of personal property, communicate harassing letters threatening to evict and take property, and mail communication with envelopes printed with law firms return address. 
Debt collectors has been demanded and noticed of a lawsuit to compensate consumer for violation of FDCPA, till today I have not receive a response or any communication in regards to matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
Misleading and deceptive use of XXXX services to induce customers to buy or lease Lexus automobiles by Lexus Financial Services by promising XXXX months forgiveness of lease payments if a new vehicle is lease or purchased. While they encourage buyer to continue to make payments and providing written assurances that the coupon mailed is valid until XX/XX/2017. Not so and thus consumers are being double charged for XXXX or more monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 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: OR

Complaint narrative:
Portfolio Recovery calls regularly from different numbers. Last night they called from XXXX. I answered and no response on the other end. I have no debts. I pay credit cards within 30 days by auto-pay from my bank. I have no mortgage. Portfolio Recovery should send me written validation of any claim they think they have and stop harassing me on the telephone. 

If they come back and say they ca n't do anything because they do n't know what my phone number is, that is a sham. Your instructions say not to include contact information in this field. Separately you have my name and address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-27 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I leased a vehicle from Toyota in XXXX. In XXXX the vehicle was shot while sitting in my driveway. The damage was small, but I filed a police report and opened a claim with my insurance company. In XXXX, I was told by the XXXX registered lease turn-in inspector that the damage was too slight to qualify as excess wear & tear, but I kept the insurance claim open just in case. I turned in my lease, fully paid, in XXXX. In later XXXX I received a bill from Toyota for excess wear & tear due to damage from the gunshot. I called Toyota and my insurance company. I was assured by my insurance company that they would take care of it, and Toyota was well aware that I was not responsible for the payment. However, in XXXX I received a collections letter threatening litigation on behalf of Toyota for the same bill. I wrote the collections company a letter and immediately contacted an agent at my insurance company. I was told they were still working to resolve the claim, and they apologized that I had been contacted by a collections company. I eventually had to conduct a three-way call between my insurance company and the collections company in order to authorize the collections company on behalf of Toyota settle the matter with my insurance company. After it was resolved I spoke to Toyota and was assured that this would not have any impact on my credit, and Toyota apologized for placing the bill in collections in the first place. Nearly 2 years later while applying for a loan I discovered that I had a Toyota account reported to the credit bureaus as a collection, which lowered my credit score by over 100 points, and disqualified me from loans. This account never should have been marked as a collection, and never reported to the credit bureaus as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I leased a XXXX XXXX years ( XX/XX/2013 ) on a lease term of XXXX per month for 36 months or XXXX miles. Since I used up the miles in XX/XX/XXXX this year, I returned the car to the dealership where I leased the car. I asked the dealership " I am not early terminating the lease but I have used up the miles and I do n't need the car anymore ; what should I do? '' The dealership checked the car and let me signed off the mileage, and told me I just keep paying the monthly lease payment until the end of the lease and I will be done with the contract. 

So I returned the car to the dealer and I continued to pay my monthly lease payment on my Toyota Financial Services account. Up until I paid my XX/XX/XXXX lease payment, everything was fine. My account showed I have XXXX more payment of XXXX left on my lease and I owed XXXX balance in XX/XX/XXXX. 

When I went to pay my last payment of XXXX in XX/XX/XXXX, however, my account vanished. The website says I do n't have an account with XXXX. 

Next I received a horrifying bill of {$3300.00} from XXXX, claiming that as an Early Termination Statement. They charge XXXX times of what my last month payment because I " voluntarily early terminated '' the lease. 

I called the Toyota Financial Services, they refused to either make adjustment or let me contact with whoever responsible to make adjustment except trying to throw me to a collection agent. 

I went to the dealership, they are willing to help but they say they can not make adjustment so they need the financial service to tell them what they need to do to help us. So I called XXXX XXXX again asking what they need the dealership to do to prove that I never early terminate the lease and the dealership instructed me to keep paying the lease monthly as usual then I will be done.XXXX Services again refused to provide any information except throw me to a collection agent. 

I hope to get in touch with Toyota Financial Services so they could provide me the correct bill that I could pay. I am not responsible for a {$3300.00} early termination bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery continues to call my cell phone multiple times a day from different numbers. The only thing I have on my credit report is something from 5-6 years ago which is beyond the statute of limitation in Texas. They have done this to me XXXX in the past year and even had me served. They made me so scared and nervous that I ended up breaking down and paying what they asked for ( XXXX ). Portfolio Recovery even took a 5 year old debt, sued me for it and then re-reported it on my credit report as a new debt. Can they do this? This company is relentless and will not stop. Even this morning the calls have begun and will not stop. This is harassment and against the law. They should be allowed to harass people and collect debts that are so old. 
Can someone please assist and help? I can not afford a credit attorney. I 'm being threatened by Portfolio Recovery they will sue me again and harassed by threatening phone calls. 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: GA

Complaint narrative:
I applied for a loan through NACA in XXXX of XXXX. They pulled my credit three times that I can see on my credit report. In XXXX, the mortgage officer said that he was working on getting my loan approved but there was some policy change that was about to come into effect that may affect the amount I was approved for. He assured me that he had a copy of the NACA policy stating that unreimbursed employee expenses should not reduce the amount approved for. In XXXX, he provided me with a qualification l letter for the amount requested ( attached ). In XXXX, after searching two months for houses and finding the one, I reached out to get an approval letter for the property to start the contract process. He responded back with the letter, but said that new policies are now an effect requiring the employee expenses to be taken out and this will affect affordability ( email attached ). But he still provided me with the letter ... also attached. I reached out to the National NACA director, XXXX, via XXXX, and he responded back that there should be an exemption process. When I provided this information to the XXXX Office director ( After camping out in the office when he would n't return my calls/emails ), he said that XXXX XXXX was incorrect and that the policy had been in effect for years. I showed him the email from the mortgage office in his office saying that it was a recent policy, showed him the letters, my income, etc. He said that I should have never received a letter to begin with for that amount and that he 'd call me the next day. That was in XXXX. I have not heard back since. 

I want all NACA inquiries removed from my credit. I went through NACA before to get a home in XXXX, and it was not like this. Something shady is going on in that office.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA

Complaint narrative:
My daughter in law recently answered a XXXX add for a used car. The seller said that he was a XXXX ( which is theft of valor and a federal offense! ) and if she sent the first half of the money ( {$2000.00} ), he would have his XXXX drive the vehicle to her. She sent the money through money gram ( who only has a 30 min. Guarantee ), a week later when she did n't receive the car, all of the sellers information was gone and money grams guarantee period was over.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
The reason I am complaining against sage stream is because I have on several occasions requested for my file to be frozen and they have not frozen my file or responded to my request. I need my file frozen.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XXXX I had another late charge for an insurance payment ; the funds were not available because of a previous illegal INSUFFICIENT FUNDS. 
On XXXX I had {$200.00} so I made a few purchases for the month from XXXX and XXXX. 
On XXXX my car payment hit that I forgot about through all the confusion ; this should have been the only INSUFFICIENT FUNDS FEE. 
Once again M & T placed this before all my XXXX purchases and I am facing another XXXX INSUFFICIENT FUNDS FEE or {$230.00}. 
The grand total since XXXX n they place the {$54.00} out of order starting this planned snowball effect will be {$340.00} for XXXX. 
Since I am on SS I keep track of every penny with XXXX and I did not do this. If M & T are going to jockey transactions around outside the normal bank ledger then they should provide the software to keep track.

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 monetary relief
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JP RECOVERY SERVICES, INC.
State: FL

Complaint narrative:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by JP Recovery Services , Inc. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-16 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: LA

Complaint narrative:
this person act like they work for federal government pirvate grant foundations and they said to send them {$500.00} and they will send me XXXX grant check I do n't have to pay it back 100 % federal government guarsntee they stole a photo picture of her and they said that she was one of they beneficiary that won {$50000.00} federal government grantthey told me to be honest with them to get help.this is the number that they are text me XXXX XXXX XXXX XXXX XXXX locate the number XXXX, va

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
Somebody called from XXXX posing as police and threatened to arrest and XXXX despite having XXXX status. Then transfer the call to saying XXXX officer calling from a number listed on XXXX website as toll free number ( XXXX ). They took our all identity information including SSN. Then the posing officer said we were tracked and all our bank passport were frozen now and bank account were frozen. Then he said he talked official in our home country and as our background clear in US he ca n't put us behind bars and the XXXX govt has to do the background check and let them know within 3 days. But to do the background check XXXX govt wanted {$2400.00} as refundable security deposit. We were told to deposit the amount within XXXX hour as office is going to close and only moneygram can make it possible to transfer within XXXX hour. We panicked and did XXXX transfer. After depositing we realized about the fraud and complained to police in XXXX. The complain DC # XXXX. I called moneygram to cancel the transaction ( ref # XXXX ) and report the fraud, but they could not do anything about it as money has been picked up. Please help us to get the money back or bring these criminal people to trial. 
There are many cases like this involving moneygram. They should change their policy in favor of senders.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
My IRA was due in XXXX so I wanted to rollover the account to a different bank. I had another IRA due in XXXX so I suggested I put the IRA into a term to coincide with the XX/XX/XXXX IRA. I can have only one rollover for IRA a year. When they were due, ( XX/XX/XXXX IRA ) and XX/XX/XXXX ( grace period 10 days ), I suggested a transfer of one into the other to meet the one rollover a year Internal Revenue rule. They let me do that, but would not let me have the money since they said it was XXXX AND THE SYSTEM WOULD NOT LET IT GO THROUGH. I waited 2 hours to get that answer. I WAITED till XXXX XX/XX/XXXX, since the previous XXXX ( bank closed ) and XXXX the system would not go through ( they said ). When I went to the bank on XXXX, they said because it was a transfer of one IRA into another IRA I had to wait a period of 7 more day ( XX/XX/2017 ) or incur a penalty. I said because of the delay I would incur another penalty since the IRA ( due XX/XX/XXXX ) had transferred into the ( 13 month due XX/XX/XXXX ) instead of closing in the 10 day grace period because of their delay. They assure me they would waive the penalty, but I am not so sure. I am not so sure I will be getting my check for the total the coming XXXX ( XX/XX/2017 ) at all.

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 2015-06-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Northern Trust Company, The
State: SC

Complaint narrative:
Subject : XXXX XXXX XXXX am the beneficiary of a trust an aunt established at the XXXX Florida. I received notice from the bank that " tax preparation and filingfees will increase to {$900.00} for the XXXX XXXX hours and {$300.00} for each additionalhour required. Most irrevocable trusts on extension will require more than XXXXhours. '' This caused me to review income versus fees for the past years. Thetax preparation fee for the past XXXX years has been {$320.00} ( my share ) per year. 
For XXXX 2013, I had income of {$5700.00}, while XXXX collected {$170.00} for a '' Investment Solutions fee '' each from Income Cash and Principal Cash, and $ XXXXXXXXfor " Account Mgmt Services Fee '' each from Income Cash and Principal Cash. 
Bottom line, while I received {$5700.00}, XXXX received a total of {$4300.00} infees PLUS {$650.00} for tax preparation. Am I the only one who thinks thisexcessiv? Also, with the increase in tax preparation cossts this year, XXXXfees almost equal my income from the fund. What avenues are open to me tocontest these fees?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
To Whom It May Concern XX/XX/XXXX Dear Sir/Ma'am, I have been trying with no success in endeavoring to obtain a loan modification since XX/XX/XXXX. I am in the XXXX ( I am a XXXX ) and thus, am very knowledgeable on what a successful loan modification submission should entail. That said I have now definitively learned that no matter what my financial where wherewithal is ( and it is very, very solid currently- I can easily make my full payments even if no modification is offered ) I now learn that OCWEN , through their investor, XXXX XXXX `` does not have the contractual authority to modify ( my ) loan because of limitations in our servicing agreement. '' It is worth noting that such disclosure relative to XXXX XXXX 's lack of loan modification participation was not disclosed to me prior my purchase XX/XX/XXXX, a clear RESPA violation XXXX nor was this non-participation disclosed to me during the over XXXX loan modification submissions I have submitted since XX/XX/XXXX. It is also worth noting that XXXX XXXX has retained this loan since the time of inception- it was not sold to any other third party nor has it been serviced by any other lender than XXXX XXXX XXXX XXXX . In addition I 've tried everything to get this mortgage company to help me keep my home. which they informed me they are retaining, and also that they are moving forward with the foreclosure sale. 
They humiliated me and compelled me to reveal all of my financial dealings, knowing full well that at the end of the day, what I was seeking was impossible. So they take my money, they take the Obama money, and bulldoze my rights. If it was impossible for me to EVER obtain a loan modification, why act like it was feasible. It is and was cruel on their part, time consuming, and conduct one would not tolerate from a XXXX year old, much less a fortune XXXX firm. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
hi im XXXX i have a loan with M & T BANK las year XX/XX/2016 the bank said i did not pay my real state property taxes with i did directly to the XXXX city real state tax property department but they insist i did not and they add my real state property taxes as a scrow taxes & insurance so i paid the bank againg because the put me on the credit report agency as a delincuet payment i call them on XX/XX/XXXX and they said they did an invetigation and they found out that i pay the taxes to XXXX real state departemnt so they said i was right now everything its clear but they said i have to contac the credit report borou a fill a complaint to be removed from the bad credit report

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