vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T Bank attempted to foreclose on my family 's property. I believe that the fees, legal expenses, and interest were excessive and the accounting inaccurate. My family hired an attorney to fight these charges and avoid foreclosure. The bank made no effort to correct its fees. 
On XXXX, XXXX, XXXX, I paid off the entire amount of {$61000.00} to avoid the foreclosure. 
With the foreclosure stopped, I reached out to M & T Bank about the excessive fees. 
M & T Bank agreed that some of the fees were excessive and issued a refund check in the amount of {$1300.00} in the name of a deceased relative who has not owned the property since XXXX. The check can not be cashed, as the estate of the relative has been dissolved. 
I contacted M & T Bank to re-issue the check in my name, As I had paid off the mortgage. I also indicated that it would be acceptable to issue the check in the Name of XXXX XXXX, who was the current owner and who was also named in the Foreclosure lawsuit. 
M & T Bank refused to re-issue the check, nor would they consider refunding any additional fees. 
I want the CFPB to examine all of the fees charged and instruct M & T Bank to refund all of the fees in a check that is written to an actual, living person. The check can be made out to me, XXXX XXXX XXXX, as I paid off the mortgage and now own the property or it can be made out to XXXX XXXX, who was a party named in the foreclosure lawsuit, and who owned the property during the foreclosure process. 
I have attached copies of the original payoff letter with the breakdown of fees, and deeds showing the chain of ownership. 

The

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-25 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Reporting wrong information to credit bureaus as far time of debt and last payment made is from XXXX when I lost my job account opened in XXXX. They are reporting account opened in XXXX XXXX so it will stay on my credit report and a recent payment made the last payment made XXXX XX/XX/XXXX.The debt is time- barred and harassing phone calls more than XXXX a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MT

Complaint narrative:
Toyota Financial reported a late payment on my credit in XX/XX/2017. I have no late payments and after speaking with them, they said they have no record of it in their system so they ca n't do anything about it. I am in the process of purchasing a home and this error by them caused my credit to drop below the acceptable rate to acquire a home loan. After repeat calls to Toyota they still wont correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 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: MN

Complaint narrative:
This is concerning a debt I found on my credit report last summer ( attached ). I tracked down this debt as a bill from a joint account before I filed and went through an ugly divorce XX/XX/XXXX. There are XXXX anomalies on my credit report concerning this debt. I attempted to resolve this debt XX/XX/XXXX when I started a debt management program with XXXX and was unable to locate the owner of this account. I have not received any written correspondence regarding this account save the return of the letters I 've written this year. ( I received almost no mail XX/XX/XXXX due to it being forwarded by the person XXXX I was divorcing ). I have tried calling this creditor at least four times last year - leaving messages that were ignored, and wrote letters on XXXX XXXX, XXXX XXXX, and XX/XX/XXXX trying to resolve discrepancies on my credit report regarding this debt. With each letter I included a check for the full amount beyond the discrepancies. Each of my letters and checks were returned without any response save an enclosed sheet with their address on it ( attached ). The XXXX discrepancies I need addressed are : * ( 6 monthly payments of {$94.00} from XX/XX/XXXX-XX/XX/XXXX not deducted from the balance principle. 
*A difference of {$340.00} between the amount claimed I owe you and the high balance of the card listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
XXXX XXXX is when I first saw Portfolio Recovery show up on my credit reports. I had not received a letter telling me who they were or why they were reporting on me. They continued to report for months to include another time that just showed up this week but shows that they added another account in XXXX?! This is a disgusting company that nobody would want to do business with for a number of reasons. The first is that they report on your credit before you even know we 've m who they are which seems unfair, they have been sued SEVERAL times die grimy reasons, and upon reading reviews when people so agree to pay them they do not send them the proper documentation or follow through on anything on their end. In addition the numbers they call from may them sound like a fake! I attempt to call back and it sounds like fraud. I do n't even know how they got my cell phone number to begin with! I do not have the bad accounts on my credit and have moved on for the better with that company. I have tried to dispute for the same reasons in explaining and all they did was quote a letter that they sent which does not address anything I 've said was n't fair! This company is a scam and I want all history of them removed from my credit report. I 'm young and trying to do right and these fakes are bringing me down with their unfair practices. I 've filled with the XXXX as well but please help me!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
They refuse money orders, harass me daily via phone you to open a checking account, and refuse to mail statements showing money is going towards account. 
I was contacted about three accounts I have with Portfolio, I made arrangements to send {$50.00} per month towards the accounts via money order and sent it in the mail and now I 'm told that apparently money orders are n't good enough and I must open a checking account. I do not have a checking account and I will never get one because I do not need one and I know they will just automatically take money out without authorization and overdraw any accounts, you would think they would n't care how you get the money and just be happy to get it at all. 
I also asked was for a paper bill, so I can verify that this is not a scam company and see the balance going down, but I 'm being told that I ca n't get a paper statement unless I open a checking account. I absolutely will not open a checking account and now since my money orders are n't good enough, I guess they prefer to just get nothing then? 
They are committing fraud by taking my {$50.00} and not providing me any statement that it went towards anything or to verify who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX XXXX robo-called my number XXXX Sunday XXXX/XXXX/2015 indicating an attempt to collect a debt and directing me to call them. There are no outstanding debts whatsoever in my name. This action was in violation of numerous conditions of their XXXX/XXXX/2015 CFPB consent order ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XXXX XXXX, 2015, I was served papers from Portfolio Recovery Associates , LLC assignee of XXXX XXXX. RE : XXXX XXXX XXXX. Please see previous complaints. They were filing a claim that I owed them funds in the amount {$3600.00}. My court date was XXXX/XXXX/2015. I pulled transactions page from my previous complaints that was provided by XXXX XXXX XXXX. This showed exact charges that were given to me by the original name of company. I also, counter sued this company stating that I over paid on this account. I showed up to court. However, Portfolio Recovery Associates , LLC assignee of XXXX XXXX ( name changed from XXXX XXXX XXXX ) Their claim was dismissed. However, they now have a judgment to pay me the over payment of {$2200.00}. I am filing this complaint because I am unable to contact this company by phone or by mail to get them to pay money that I overpaid and was reviewed by a judge. The numbers provided do not send me to any person that can help me in this manner. 
I would also like to include copies of this judgment against this company in hopes that I might retain over payment sum of XXXX. 

Thank You, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
My previous Mortgage Servicer sold my loan to Carrington Mortgage Servicing in XXXX 2013.Prior to the transfer, an Escrow Analysis Report was completed and my payment lowered as a result.A few months after the loan transfer was complete i received a new Escrow Analysis that was completely different from what i had been given by my previous servicer.Carrington Mortgage Services or CMS stated i had an Escrow shortage, and as a result my payments would go up.I immediately knew something was not right, but after reading and hearing how poorly this company was rated in customer complaints/reviews, i decided to send in the entire shortage amount to keep my payment from going up.I called CMS service number and was u nable to reach anyone after XXXX.After XXXX days, i spoke to XXXX of their reps to get instruction on sending the amount in.After speaking with the person, i wrote a check and mailed it to their stated address with all information requested.On my next statement i noticed it had been received, but instead of applying my money to the so-called " shortage '', they put it as being in a suspense account.I called them only to get a very XXXX girl on the phone who blatantly lied to me, telling me she had requested it to be moved into the Escrow account to correct the shortage it was sent for..Needless to say, this did not happen.After calling them XXXX different times and being told the same false information, I am furious at this company for refusing to process my Escrow payment.They had the nerve to send another Escrow Report this month telling me there was now a XXXX shortage, on top of keeping the previous amount i sent in.This Mortgage Servicer is crooked, dishonest and determined to force people into account issues, even if they have current status.Their Customer Service is poorly trained, expected to lie and ranks at the bottom of the list with consumers.Some have had terrible experience with this company, and i fear enough that i am searching for a way out from under this company.Their practice of frauduently increasing mortgage payments through bogus Escrow analysis claims must be stopped.I want my previous servicer back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have been repeated called by Portfolio Associates after changing my number XXXX times and making my number unlisted. They have pestered me to death several times a day. I am a day sleeper and the constant calls are driving me nuts. This bill was to be paid by my ex-husband as a part of my divorce. That was over 5 years ago. Please help me to get these people off of my back. I have no intension of paying them. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: Gotham Collection Services Corp.
State: NJ

Complaint narrative:
This company is supposedly collecting on an auto loan which was paid. The company they are collecting for is in the name of Sharon Holding Corp. which I have no idea who this is. They and the attorney have harrassed me in so many ways. They have threatened to garnish my wages, have me arrested and levied upon my bank account before a set court date. They will not supply any paperwork to me regarding this debt after many attempts to have them submitted to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 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: NY

Complaint narrative:
While reviewing my a XXXX, XXXX and XXXX that a collection notice was placed on my report. I attempted to contactXXXX and PORTFOLIO RECOVERY SERVICES, LLC, arguing that I dispute the validity of the debt without success. I personally contacted PORTFOLIO RECOVERY SERVICES, disputing the validity of the debt. I requested that they provide me with an original signed contract of obligation with the XXXX as a matter of law and PORTFOLIO RECOVERY ASSOCIATES has failed to do so but insist on continuing collection action that a s a direct result of ID THEFT and knowingly with intent to cause me economic harm placed collection status on my credit report making it very difficult to secure a meaningful job and obtain new credits. 
Upon belief and Information, this debt is/was as a direct result of ID THEFT, therefore, I`m not to be liable for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
A formal request for validation of debt and a cease of communication was sent via certified mail with return receipt. However, the company has continued to send mailings and place calls after receiving the letter, but no validation of debt has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates is currently reporting a debt of {$620.00} on behalf of XXXX. XXXX has recently deleted the account from my credit report as of XXXX XXXX, XXXX after the first original 30 day delinquency was reported in XXXX XXXX and was never brought current during the 7 year period. Portfolio has contacted my former employer and myself after being advised not to. I have disputed this account with XXXX and I was informed that Portfolio continues to re-age the account which would allow them to report inaccurate information until XXXX XXXX. Under the Fair Reporting laws, Portfolio can not re-age the account and must list the original delinquency date of XXXX XXXX just as XXXX did before they stopped reporting. I have spoken with representatives at Portfolio regarding their reporting as well as reported them to the XXXX. Portfolio is within violation of the law and they are not allowed to report accounts after the seven year deadline. I have also had this information confirmed directly from XXXX therefore there is no reason for Portfolio to continue with their illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
On XXXX at approximately at XXXX. I received a call from XXXX ( which is the name that appeared on my screen ). This man asked to speak to my daughter ( he did not identify himself ) and I proceeded to tell him that she did not live here. He asked if there was a better number to reach her at and I stated no. He paused for a moment and then said " XXXX '', it was very plain and loud. He then hung up. I called the number, XXXX and it was identified as Portfolio Recovery, a debt collection agency. I asked to speak to the Operations Manager or Compliance Manager. I spoke to XXXX XXXX, Ops. Mgr. I told her what had happened and she apologized. She asked that I call her back at her direct line to ensure she had all the info she needed. I called her at XXXX ext. XXXX and she answered and advised me that she had all the info to investigate. I asked if she pulled the call and she stated she had all the info. I asked that my number be removed and she stated that it already had been. At XXXX the same day I received another call from the same number but no one identified themselves and after a moment of me saying hello they hung up. I called XXXX XXXX back and advised her that they had called again and that she did not do what she stated. I advised her that I would need to contact my attorney and also file a CFPB complaint. Not only is this a FDCPA violation, but totally unacceptable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 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 have repeatedly told portfolio recovery that this debt is not mine and have received numerous phone calls and letters and have requested copies of charge slips or original agreement with XXXX bank or XXXX XXXX bank which is supposed to be the original creditor, and as of this writing have not received anything

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
A year ago XX/XX/2016 the car was in crash was totaled. The car place in impound by choice cause the body shops would n't take the car. My grand son did n't get ticketed and the car was n't impounded. This was told to Toyota financial and Toyota guaranteed auto protection claim dept # GAP XXXX to payoff the car. However, all Toyota did give permission without me knowing to XXXX XXXX XXXX the impound to buy the car themselves from Toyota as total loss vehical. As of XX/XX/2016 the Toyota GAP has n't payoff the car. I contacted them as usual they give me round around that the recovery department has to apply for the claim. They transfer me to recovery transfer me customer service and they did n't know why I was transfer to them. I do n't know what do about it at this point. Also the car had recall do to " Accelration '' malfunction and that was accident as well they wont do anything about that either and they do n't answer the letters either. I bought this car joint with my grand son XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-28 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery calls me 2 to 3 times a day even after I told them the case was dismissed in court and I asked them not to call me anymore. I was told they would keep calling me until it is resolved. 
It was a credit card debt and I went to court, it was dismissed XX/XX/2015 because I am XXXX and on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX recently helped in getting my mortgage payments and to help avoid foreclosure. I signed the agreement and recently got notified that my pension would decrease {$760.00} in XX/XX/XXXX when I turn XXXX. Caliber did help me in trying to keep my home but the payments were changed from the trial amount to {$760.00}. Since I am loosing almost the amount of my mortgage payment I will still be facing hardship. XXXX said I qualified for a $ XXXX payment. Will u please work with me and lower my payments. I bought the home in XX/XX/XXXX when my daughter was a baby so she could have a place to call home which I never did. I worry always about having to move and need your help desperately. Please help me.. Bless you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
Portfolio Recovery continues to threaten me with legal action if I do not pay a debt that was written off by XXXX Bank and XXXX well over 10 years ago. They continue to insist on their right to report it as an unpaid debt on my credit report. 
They call me at work, and are verbally aggressive and discourteously harassing me, even when I tell them I can not talk at work. 
They refuse to send me documentation that proves the origination of the debt as well as their explanation for why they are allowed to collect on this debt that is well past the statute of limitations I do n't know what to do or how to stop them from call me. I have blocked their numbers on my phone, only to be called from yet another number. It 's quite distressing. 
The debts written off were from the economic recession when my husband and I had a XXXX business that failed. We lost everything including our home. Now, he has terminal XXXX and we are living off social security. I do n't want these people calling me for an old debt but they wo n't stop. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company is calling my work. I notified the original caller that I am not sure about if this debit is mine as I was going through a divorce at the time of the debt in question. I asked them to mail me information. I have not received information and I continue to get phone calls. I can not continue to receive call during my work hours.

Company response to consumer: Closed with explanation