vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I have received numerous phone calls on my cell phone and home phone from the following phone numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX among many, many others! Upon researching these numbers I found that they belong to Portfolio Recovery Associates, XXXX XXXX, and XXXX XXXX XXXX. They never leave messages. They just continue to call from different numbers to deceive people into answering their calls. I have no idea why they would be calling. When you call the numbers back you are placed on hold forever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Leased a 2013 Toyota Camry from Toyota/XXXX Toyota XXXX for 3 years, then purchased same vehicle. I was charged a total of {$560.00} for retitle of this vehicle, it was already titled, registered and insured XXXX, but dealership insisted that it be retitled first XXXX, then again XXXX resulting in fees totaled {$280.00}, but {$560.00} was added to my new loan. I have repeated requested a refund of the overcharge of almost {$250.00}, but still want to know if it was legitimate to insist on a whole new title and tag, or could it just have been a transfer of some sort. Toyota still maintains title to the car

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovey filed law suit, my attorney requested pfoof of ownership of the debt, validation, the failed to validate the debt, previously and reporting debt to XXXX Credit Bureau and refuse to remove it. 
Law suit was dismissed because the Plaintff, Portflio Recovery, failed to appear. Sent email and letter to Portfolio Recovery XX/XX/2016 requesting removal based on the fact that they failed to validate debt and the statute of limitations had expired. No response from Portfolio to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I opened up a money market account at First Niagara Bank in XXXX XXXX CT on XXXX/XXXX/2016. I was told that the APY interest rate was 1.01 % based on the advertisement in the XXXX XXXX as well as a verbal discussion. There was no mention that the rate was related to compounding and this was confirmed verbally with the bank officer. And that taking out the interest monthly would not affect the rate that I was to receive. After 33 days of " interest '', from XX/XX/XXXX to XX/XX/XXXX, I received not XXXX of 1.01 % but rather XXXX of 0.81 % and my printed statement says that my APY is now 0.81 % not the 1.01 % I was expecting. 
The interest I received was XXXX % LESS that I was expecting. The difference in the amount of money is not very much but First Niagara, in my opinion, lied to me with false advertisements and false verbal discussions, apparently to get me to put my money into a seemingly high interest money market account. Multiply this by XXXX customers and XXXX dollars and the amount of money they defrauded consumers could be very substantial. In my opinion, First Niagara deceived me and its customers and violated honest banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 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: TX

Complaint narrative:
A debt on my credit report that is handled by Portfolio Recovery Associates, I disputed by letter. They responded that they were investigating. When I got their result, I asked for verification of the debt. They never provided final proof of the debt. 

I sent a certified letter to them in XXXX and they did receive it. However they have failed to respond to my certified letter or further communicate regarding the debt. 

This is a violation of the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
just got off the phone with a representative named, XXXX. I explained that I received a fee and that it was unfair that I got such fee having requested for overdraft protection and that since my account was new if she would be willing to check into it and possibly refund me over the phone without having inconvenience to go in the branch. I ca n't just take off from work when I please for personal business. Nonetheless, she said that she would try and link the account but, turns out she could not since the account was so new. This is really a shock to me and I do not have money to give away. The money was there and I do not have a debit card yet, as it was promised 3-5 business days. I have never experienced such poor customer service for a mistake that was clearly not mine. I am sure policy does not require such treatment be this was as well. EFT was only used because I did not have a temporary card of some sort to use to have come out right away. Lastly the check was written in hopes of overdraft taking affect and now they want to keep my money, where there was no intentional wrong doing on my behalf.

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 2017-02-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I have recently joined M & T and love the bank but the fee 's are outrageous. I have received over XXXX dollars in fees since I have been with them and I have called to request a few fees back and nobody will help. I have always received assistance with other banks. They wont help at all. In addition there fee 's are XXXX each. I just asked for half of my fee 's back. I dont know why they dont try and accommodate there members

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 2016-10-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I had a checking account with M & T bank. Had an opportunity to make some extra cash doing what most like to do and that is shop. An evaluation compamy contacted me to evaluate companies close to my home. Well I fell for it and they sent me a check to make purchases and it was fraudulent. but I did n't know that so I deposited it ( never touched it ) and they closed my account and told me the decision was made due to past history. do n't have past history. all I want is my account back.

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 2015-09-30 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
supossedly I was sent a text message from an attorney telling me that if I did n't pay XXXX via money gram I would be arrested they said I owed money to a company called XXXX but I was lied to and do not owe any money to them what so ever

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 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: TX

Complaint narrative:
I contacted XXXX, XXXX and XXXX in XXXX 2014 about random medical collection accounts on my credit report. XXXX, and XXXX deleted them. XXXX closed them and never deleted them. I went back to dispute the XXXX accounts with XXXX and they only took off XXXX of the accounts. XXXX of the accounts stayed. I contacted XXXX again due to the collection agency not answering any of my questions or returning my calls. I finally got a letter of so called proof. However they are typed up documents stating I saw XXXX ER physcians however XXXX different doctors yet they all have the same TAX ID. That ca n't be legal or ethical. The address on the so called proof of debt is n't even legit. It says the address belongs to XXXX ER physicians but it is to XXXX. They typed up proof of debt and ca n't send me legitimate proof of debt and that it is me the patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
I wrote M & T Bank this letter on XXXX XXXX, XXXX and mailed it the same day. As of today, XXXX/XXXX/XXXX there is no response. 

This letter is in regards to the Mortgage Insurance on my loan. This loan was originally done in XXXX by XXXX Bank. It was sold to M & T Bank within the past year or XXXX. When I originally got the loan, I was told the PMI would go away after 5 years OR after reaching 80 % LTV on the home. 

As of today, the home value has increased enough to be at 80 % LTV and the 5 year mark will be this XXXX XXXX. I did a XXXX Refinance to lower the rate, which I was also told would not affect the timeframe. I was also told if I wanted to get rid of the PMI sooner, I could have an appraisal done proving the equity was there. 

I just got off the phone with a representative today ( XXXX/XXXX/XXXX ) who told me I would not be able to get rid of PMI until XXXX. According to this representative the guidelines are different. She mentioned I have to be at 78 % LTV AND 5 years with the property. According to your system the 5 years started after the XXXX ( I was told it would not make a difference due to the type of loan ) The balance on the mortgage has to be at 78 % LTV from the purchase price, around {$120000.00}. 
In this case, there is enough equity in the home to meet the 78 % and this XXXX will be 5 years. The PMI should go away in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Direct Capital
State: CT

Complaint narrative:
I am submitting this complaint to an unknown collection agency that continues to contact me at my employment and refuses to give information about this supposed debt I owe them. The contact person that continues to harass me is XXXX XXXX XXXX. XXXX XXXX has also went as far as providing this so called debt information to my co-workers in a harassing manner. This is not only wrong but humiliating. I believe that as a tax payer I have the right to file a complaint. If someone can assist me, I will definitely appreciate it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 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:
I made several purchases again from XXXX. ; XXXX posted as normal and for some reason XXXX posted late and caused a bank charge of {$38.00}. There is another bank charge for a car loan that I missed a deposit which is my fault but they charge another late fee {$77.00} total. I have no control over when items post. I understand that but there has to be exceptions. The money was there but the posted thing is hard to understand. I am on a fixed income and there is no more until XXXX. How about stopping this {$3800.00} until then so I can have some money to live with for next month? You have made plenty in fees this month. This is my last not to customer service : " Regarding account : XXXX - I understand that but there has to be exceptions. The money was there but the posted thing is hard to understand. I am on a fixed income and there is no more until XXXX. How about stopping this {$3800.00} until then so I can have some money to live with for next month? You have made plenty in fees this month. ''

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 2015-09-22 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
The reason I am submitting this form is I fell for a scam for modeling. On XXXX I was contacted by a man or woman named XXXX XXXX they claimed they were the XXXX. After we exchanged a few emails, he or she told me they are sending a check from XXXX bank in the amount of XXXX dollars. After the check was received I deposited it and proceeded to follow their instructions which were to send XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX. Today I received a notice in the mail stating that the check has bounced and that my account is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
A guy named XXXX called to offer me a refund for a computer program I purchased, {$290.00} on XX/XX/2015. I had to have it returned to a checking acct. with a debit card.He made the refund and then said it was to much the bal. after the refund was XXXX. He said I would have to go to a XXXX and return the difference.I sent him XXXX on a XXXX, and that was all the money I had in my acct.The deposit he made was a fake transaction.The firm he gave me was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JP RECOVERY SERVICES, INC.
State: OH

Complaint narrative:
I have received calls from JP Recovery Services Inc, XXXX XXXX Ohio at my home, work and cell phone for months in attempt to collect on a debt I do not owe. I have asked multiple times over the phone and twice in writing to send me an invoice as according to my insurance company I do not owe any balance. 
JP Recovery Services has ignored my instructions and has called me at home multiple times a day, on my cell and at work leaving a message on general voice mail for everyone else to hear regarding my personal credit and collection issue. 
I have submitted XXXX letter on XXXX/XXXX/16 and another on XXXX/XXXX/16 requesting supporting document/invoice which I have not received to date. 
This impacts my credit report, my interest rate and ability to borrow by lowering my credit score and I am requesting assistance with this ongoing negligence of consumer protection rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NC

Complaint narrative:
PCMB company deceived my mother Monday XXXX XXXX 2016 in the XXXX. stating I left them her number to reach me at. which is a lie I spoke with them on XXXX XXXX 2016 stating I will resolve issue on Monday XX/XX/XXXX once I move money and that I will call them back. I know its against the law for debt collectors to call my mother she has nothing to do with my accounts. I think the should pay debt owed themselves to card company on my behalf for deceiving my mother which has nothing to do with this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXThis place stated that I owe {$1500.00} for braces that were not supposed to be placed in my mouth. If anything I should have sued them for XXXX. This dental company quickly threw some XXXX to get a cut of my XXXX benefits, knowing that my XXXX strongly advise me to wait until I got all my XXXX taken out. When I went for my monthly visit I was refused dental treatment due to non-payment. I left the office upset and rejected. I had to walk around for months with XXXX that became painful and disfigured my mouth. Months later I get a bill for {$1500.00} stating I needed to pay in full. I actually tried to work out a deal and even thought of giving them another chance to redeem themselves, but instead they said they would have to charge me the full amount for XXXX, which was close to {$4000.00} after I paid the {$1500.00} that I supposedly owed. They even wanted to charge me for taking the XXXX off, due to their wrong doing. After hearing this I knew this was not the place for me, nor did I trust the practice. A year later I went to a different XXXX office and they helped fix my teeth. We started over and took the XXXX that were put on my teeth by XXXX XXXX. I have talked to other consumers and they agreed that XXXX XXXX is running a very bad business. I did n't report this sooner due to not wanting additional stress. I want people to hear this story, because I am sure I am not the only XXXX that has experienced such poor treatment through this facility. A few years later I check my credit report and not only did they sell my account to a collection company, but they changed the date of service, so the bill would look recent. I am shocked and appalled by this entire thing. Not sure what to do or who I should contact. This has ruined my credit and affected me physically and emotionally.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC

Complaint narrative:
I recently sent {$100.00} to a guy who I sort of know and he told me in writing and over the phone that I would get paid XXXX in return. Now that I have sent my share he has not sent mine in return. I am highly upset. His reason for not sending it is because he went out that night. Which is not business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I completed a modification and my credit was never adjusted to reflect payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
Please help my family stay in our home. I have tried to work out a modification agreement with Hudson City Savings Bank. The loan servicing department does not have any interest in being reasonable. Clearly now that they have been given approval for their merger they no longer care about the homeowners that they are servicing mortgages for. I am sure a bank like XXXX XXXX XXXX does not condone this type of behavior. I have proven without a shadow of doubt that I am back on my feet and able to make a mortgage payment. All I ask is that I be afforded a modification to get out from under the arrearages I have accumulated. I am not trying to run away and I know it is late but it is only now that I can afford this. We paid for on this loan for years, this is not a case of a XXXX payment default or early payment default. I am even suggesting that a mod be put in place that is completely beneficial to the bank. I am asking that you extend this term which will bring you more in interest income. I am sure once your stockholders read this they will be confused as to why you would not want to create income for the bank. We had problems, like many others, in our lives. I have shown my income versus the monthly debt obligations and I am well below the needed DTI or XXXX requirements that Hudson City has in place. Please help me do something here, I can afford the original mortgage payment again but I can not bring all the back due amount to the table right now. I am asking that you place the arrearage on the end as a balloon or even as an extended term. My family lives in this house and I have a sheriff 's sale in a few weeks. I do not have the ability to move everyone somewhere else. How can Hudson City, in good conscience put me and my family out on the street knowing that I can now afford the monthly payment. They intend to make us homeless in time for the holidays. What can we do? Please, we ask that anyone that can, help us!! 

Regards,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
This matter revolves around a medical bill from XX/XX/XXXX that insurance after a lengthy battle did not cover the cost. I paid the XXXX bill in full XX/XX/XXXX. When I paid it, I inquired about having it removed from my report as it was hurting my score and it was medical related, not like a car repo for example. The manager was very nasty on the phone and claimed since I inquired with them about the bill when they put it on my report XX/XX/XXXX that they did n't have to provide any verification of said debt in writing as required by law and requested by me more than once.Her exact words were " If you dispute this file or complain about us we will make it very hard on you. '' ( This was after payment made ) For the last 2 years this collection read on my report as ND ( no data ) causing damage, but minimal.upon payment it is now listed as a fresh new collection dated XX/XX/XXXX under reported since, payment history and account history where it now is causing considerable damage to my score. on top of all that they keep updating it to say Collection account instead of medical as it really is, they list it as delinquent from the date I was in the hospital. They also list the terms of agreement as 1 month. all these should be marked n/aThey also refuse to remove the comments from the account calling it a collection in dispute, making me unable to get a mortgage because of those comments and them making it look like a fresh collection.

Company response to consumer: Closed with explanation