vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-29 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
I have got scamed this person called me on the phone to return XXXX dollars for trying to fix my computer. they were going to put in in my checking account. they recalled me to say they could not return that little amount so they informed me they were going to tranfer XXXX to my checking account and i was to return XXXX to them. while they were on my computer they transferred XXXX from MY savings into MY checking. they never did refund their own money into my account and they inform me to send the XXXX with XXXX to XXXX XXXX his boss. after that they recalled me to ask for another XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alorica Inc.
State: FL

Complaint narrative:
I have several hospital bills that went to West Asset Management so that they can collect from XXXX XXXX center. I have made payments straight to XXXX center every month, never missed a month of a sort of payment. West management contacted me in XXXX trying to get me to give them my bank information so that they can deduct monthly payments automatically. I denied only for the simple fact why provide that information when I 'm already voluntarily paying XXXX faithfully. The rep stated that the only other way it wo n't go on my credit is if I agree to pay the monthly minimum of {$25.00} a month for each bill which will consist of {$75.00}. I agreed to pay that which I did. Well come to find out they lied and still reported it to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Suburban Credit Corporation
State: VA

Complaint narrative:
Account was paid in full in 2013. After 2 years I received a notice that I still owed money. In an attempt to contact the company I was unable to resolve the issue because of the threatening manner of the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XXXX/XXXX/2016 I accidently sent a payment to M & T Bank to a closed loan ( XXXX ) from XXXX. This was my mistake. I called M & T Customer Service multiple times and was told it would be returned to XXXX XXXX Bank. It never was returned. On XXXX/XXXX/2016, I called M & T again and was told sorry the money was still at M & T. To speed things up they could put in a checking account at M & T within 48 hours. As of XXXX/XXXX/2016 I still do not have my money back, and they now refuse to tell me when I will have my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
Lien Release Request : My home of fifteen years is currently in " Foreclosure '' with a Conventional Loan that has a 15 Year Balloon Payment, which has reached it 's maturity due date. I have been, met with several challenges attempting to refinance and / or modify the Balloon Lump Sum Payment that has come due. So, I decided to listed my home for sale to avoid Foreclosure. 

After doing so, I did received an offer, and entered into a contract to close on the property within 45 days or less. 

However the Title Co. revealed XXXX Liens. A First & Second. The Second Mortgage Lien had been " Written Off '' XX/XX/2012 and has exceeded the Statute Of Limitations for collections in my State. 

However the Title Co. would not complete and close the sale of my home without a Lien Release for the " Written Off '' Second Mortgage Lien. 

Both the Title Co. and myself made separate requests and follow up requests for a Lien Release to be issued. Our requests went unanswered, and the Lien Release has yet to be issued which resulted in several contract extensions, and ultimately the buyer losing patience, interest, and confidence that the " Lien Release '' would ever be issued. 

Currently the Lien Release has not been issued, but instead a statement of the amount of debt that was due at the time of the " Write Off '' which has been time barred from collection based on my State 's Statute Of Limitations laws. The Lien holder 's lack of cooperation in this matter is hindering the success of any sale or closing and my ability to avoid foreclosure.

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 2016-04-01 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AL

Complaint narrative:
I have a daughter that lives here XXXX but works out of XXXX. I went to MoneyGram Payment System inside of Wal Mart XXXX to send her XXXX dollars which they charged me XXXX dollars to sent so that she could get her car out of the shop. I started this transition with them at XXXX. My daqughter went to Wal XXXX in XXXX XXXX on XXXX XXXX to pick up her money and they would not release it to her she had the reference number and the pin number XXXX made a call they put me on hold I was hung up on XXXX trying to get her the money before the car shop closed explain this to the operator XXXX with no help except getting a lost call w I then went back to Wal Mart to try and get a refund or to get the money push through and they had pit a block on my cash money that I had given them. I called and the Wal Mart employee called we were XXXX on hold until XXXX before we could get any help and then he ask all kind of questions by the time we got everything cleared the body shop was closed so my young daughter has to find a hotel for the night and now she has to find a way back to Wal Mart to try again to get her money and then to get her vehicle. This was the first time I ever used Money Gram and I promise you it is my last. remind you they charged {$54.00} just to go throught all this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-11 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: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from Synerprise consulting services I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Synerprise consulting services in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 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: FL

Complaint narrative:
received collection from Portfolio recovery XXXX XXXX XXXX, XXXX. I sent standard validation letter certified U.S. Mail # XXXX XXXX/XXXX/15 asking for the min. requirements according to the FCRA and FDCPA. 1. proof of debt with original signature saying i agreed to any such debt ( pretty basic ) 2. proof amount of debt is correct and legal requiring all credits and debits from original creditor. 3. proof they own the debt which will require the entire contract and terms between them and the original creditor. not just a bill of sale. 4 proof they are legally licensed, insured and bonded with business license numbers. I asked for this to be done according to the law within 30 days or please drop the collection and remove all derogatory markers from my credit report. Their response was an account statement with none of the burdens of the law being met. I received nothing that i had requested in accordance to my rights under the law. I also asked in my verification letter that there be no contact by phone according to my rights under the law of which they violated by calling me at my place of employment. When contacted by phone before speaking we both had agreed that the conversation would be recorded by both parties of which i have the recording. As of XXXX XXXX 2015 they still have not met the requirements of the validation letter and still are reporting this un validated debt to the credit agencies so I reached out to them and spoke with a gentleman named XXXX of which he gave me their fax number. I then faxed a XXXX page cover and a XXXX page validation letter ( the same validation letter i sent on XXXX/XXXX/15 ) again of which I have confirmation with still no response as of XXXX/XXXX/15. Today XXXX/XXXX/15 I called portfolio recovery and was on the phone with XXXX XXXX employee # XXXX for more than XXXX minutes he was a supervisor. I once again went over the letter i had send XXXX. I asked him if he could please meet the requirements of the law and the simple things I was asking for? His response was no and there was nothing he could do about removing the trade marker from my credit reports. Kind of disturbing his answer was to me about an account he could not legally verify. I know for a fact this is nonsense. This company 's actions and process 's are in total arrogance and violation to the law. There actions are a form of credit ransom where they believe they are the kidnappers and they play a game of pay and we will set you free. I am only asking that they be held to the letter of the law according to the FCRA and the FDCPA. If they can not meet the requirements then drop it and remove the marker and we both go on with our lives. I am currently contemplating pursuing legal actions against them if we can not come to some sort of compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-08 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Listed XXXX, XXXX Portfolio Recovery Associates, Portfolio Recovery A, original debtor : XXXX, listed as open account, charged off by original.debtor,, last pd XX/XX/2007. Different C/R removal dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05 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:
For about a year now, I continue to recieve multiple telephone calls on a daily basis from Portfolio Recovery seeking persons that I do not know, that I have no affiliation with, and nor do they live at my residence. I have informed Portfolio Recovery numerous times that they have the wrong number, and perhaps the people they are attempting to contact had this telephone number before myself. However, I continue to recieve multiple daily calls from this company. At one point someone also called me on my cell phone asking for the same persons, and also provided me with sensitive information about the person to whom they are seeking.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: FC HoldCo LLC
State: TN

Complaint narrative:
I have disputed a claim through XXXX through XXXX and claim number is XXXX and have not yet got flagship credit services off of my credit report I have spoke with flagship credit services and they said I have to file a claim through credit report. Anyways there was a XX/XX/XXXX XXXX XXXX I have let go back but it shows im 120 days last on a payment I have not had the car since XXXX and I am requesting that they remove it from my credit report because they ha e sold the car and have not contacted me since repossession I do n't know where yhe car is or how much it was sold for they have no right to report on my credit I am 120 days late so I request that flagship credit services be taken off of my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Checked my credit report 4 years ago saw there was a XXXX XXXX credit card in collection. Filed a dispute since then it has been reopened every year by the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NOVA Financial & Investment Corporation
State: CO

Complaint narrative:
Denied credit for exercising my rights under the Consumer Credit Protection Act ( Submitting ECOA complaint previously with CFPB ). Statement of specific reasons does not contain a specific reason as requiredSee ECOA 202.9 ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
I sent an offer in the form of a letter and check, I stated that if the offer was not accepted that I was advising that this is a cease and desist. They sent my check back and said that since I wrote in remarks in the memo of the check they could not accept it so that means the cease and desist is active.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XXXX XXXX of XXXX Porfolio Recovery Associates called me Attempting to collect a debt. While on the phone I spoke to XXXX XXXX who informed me that on XXXX XXXX,XXXX.I supposedly made a payment of {$100.00}. I proceeded to hang up. I did some investigating of my own and found out that my Account went into delinquency on XXXX XXXX of XXXX. I am only XXXX I only have had XXXX bank accounts so far XXXX and XXXX XXXX. I called XXXX and they said my bank account closed XXXX XXXX XXXX therefore there is no way I could have made a payment on XXXX XXXX of XXXX if my account closed on XXXX I also called my current bank XXXX XXXX and they said they have no transaction of {$100.00} on XXXX XXXX of XXXX. Porfolio Recovery Associates made a false payment on my account so that they could contact me because they knew that without that false payment being on file they would have violated my statute of limitations. I want to file a complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recover reps call like clock work every month and every month I tell them to stop calling me. They tell me they will NOT until I provide payment of the debt, even though I told them over and over that I will be filing bankruptcy. I block the number they call from and then it 's a new phone number they call from the next month and then they start all over again. They always tell me they will not stop calling until I pay even though I tell them I am reporting them for harassing me. I have filed reports in the past to Do not call.gov but nothing ever happens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-09 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: NY

Complaint narrative:
there is an unvalidated debt on my credit report that needs to be removed ASAP. please see the attached dispute letter from the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 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: CA

Complaint narrative:
I have contacted Portfolio Recovery Associates LLC on numerous occasions over the course of several years demanding they send me valid proof of the debt that it is mine, specifically by providing an application that bears my signature. They refuse to send anything except letters stating they will not provide anything to me. I then disputed with all credit bureaus. They did not provide any paperwork verifying the debt was mine but rather wrote a letter claiming the debt was valid. They are now refusing to communicate with me as they state I have not provided them with new information so they are under no obligation. It is obvious they do n't have any proof otherwise they would have sent it already.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 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: AL

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 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: MI

Complaint narrative:
keep getting odd numbers showing up on my WORK phone. When I look the numbers up on the internet, I find they are many different numbers for Portfolio Recovery. And I also see there are MANY complaints about this company. This is my WORK phone. My boss has even answered and told them it was illegal for them to bother anyone at work, and they still call, so I do n't answer. Any debt I have is being handled, so I do n't even want to talk to them, because from what I 've read on the web, these people take even answering the call to be some sort of admission of responsibility for the " debt ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23 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: PA

Complaint narrative:
I recently subscribed to XXXX, and received a phone number that previously belonged to someone else. The person who had this number obviously owed some company money. They keep calling my number, saying I 'm that person who 's liable for this debt, even though I give them my name, and tell them I do not know the person whom they owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota financials had incorrectly reported XXXX late payments on my account. 

when i called they removed XXXX late paymeents, another XXXX payments are still showing as 30 days late and were never late by 30 days. 

i mailed and called XXXX times and still its not reversed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio agreed to remove the debt and I sent the check they cashed which stated in the memo that the debt was settled and would be removed. Before then I also contacted them stating that the date of delinquency from the credit card company was to be used according to the FCRA. They continue to use the date they received the account and continue to state that I owe the debt even thought they cashed the check. They did not try and contact me about the debt for six months until I disputed it on my credit file. I received a letter from Portfolio stating the debt was too old to file a claim in civil court amd thus they would not be perusing. I also had to explain and notified them in writing that all communication would be written that no more calls would be accepted and would be considered harassment. In settling the debt they refused to send out the settlement agreement until I paid the portion we agreed. In a similiar situation this had happened and they tried collecting after we settled and refused to remove the debt. This time I put it on the check and refused to have them do an electronic check since last time they did not remove the debt and stated I had no proof of such.I also expressed that they had the wrong dates for the account and were not following the FCRA on the date of first delinquency.

Company response to consumer: Closed with non-monetary relief