vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-03 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I had opened a CD XXXX account with XXXX bank here in XXXX ct, They have recently been taken over by M & T bank. I transferred my matured CD to another bank and was charged {$75.00} by M & T for the transfer. That was not in my agreement with the original bank XXXX. What gives them the right to charge me a fee that I did not agree to? Also what control did I have if they decided to charge me {$500.00}

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 2016-12-03 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Key 2 Recovery, Inc.
State: IL

Complaint narrative:
On XXXX I was contacted by Key 2 Recovery about owing money to XXXX University student accounts. I told XXXX XXXX that I did n't owe anything to this school because the money was from my student loans and grants. I sent her the paperwork where I withdrew from XXXX and enrolled into a different school. XXXX had signed all my paperwork stating I did not owe any money. Months after this I found out that XXXX had fraudulently took my grant money and student loans. I provided her with all my evidence of this. The account number for this account was XXXX. This account was closed. On XXXX 2016 I was contacted on my cell phone again by XXXX with account number XXXX about owing XXXX University money, this time the amount was extremly more than previously. This time I told them that I have already been through this before with this company. I was then told that they just got this account and have never had it before. I again told them that we have gone through this before and I have proven that this money was not owed. I told them to validate the information because I am tired of being harassed. I then found my original paperwork for the previous account and called them about that account number and was told again that it was closed. I am tired of being called on my cell phone. I am tired of proving over and over that I do not owe this and them then closing the account until they feel like opening another XXXX with a different amount.

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 explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Suburban Credit Corporation
State: MD

Complaint narrative:
I agreed to a XXXX procedure. I dispute the balance from the procedure because I did not get what I requested. The physician in question offered to repeat the procedure to give me the desired outcome. Why would I agree to pay XXXX for something that it is obvious the physician could not perform? It may be a good business model for the physician but in my opinion, it 's deceptive advertising. 

I offered to settle the disputed amount for less. Their response was to report a higher amount as a collection item to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
I rented an apartment for my daughter and after she moved out I received a {$5100.00} invoice from the rental agency 's credit collection agency. The rent was {$790.00}. per month and she owed for two months. I concede to that, but they tacked on a bunch of charges for various items ( see letter attached ). They also kept her {$790.00} rental deposit. I kept trying to contact the rental agency to try and work a settlement with them for the two months owed. However, they refused and put {$5100.00} on my credit report. I have attached all the correspondence that I sent to them trying to work this out. I also contact the collection agency thay they used and they would not correspond with me. I had my attorney send them a letter. When they finally responded, a month later, they gave me a $ {$580.00} credit but would not rescind any of the outrageous charges. After that, they dropped the ball and I have n't received any other correspondence from them to this day, XXXX XXXX, 2015. I want to work this out for a fair and equitable settlement. Transunion said that they checked with Credit Bureau Associates and they remain steadfast with their claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: SC

Complaint narrative:
sent money on money gram. ever time person went to pick it up they say money is not there. Every time I do this with this company it happens. This has happen on 5 different occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
We have a mortgage for our property located on XXXX XXXX XXXX in XXXX XXXX CA. with M & T Bank. I send mortgage payments from XXXX XXXX XXXX online payments regularly. The M & T Bank is asking for late chargers, even though XXXX XXXX XXXX processed ( delivered ) payment on XXXX XXXX, 2016. 
Please see attached report from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
We requested a reduction in our mortgage payment to our mortgage company in XXXX due to our fixed income. Our mortgage company put us in a trial period in XXXX and established an escrow account. We never agreed to the trial period or the escrow account. Once the trial period was over, they started foreclosure and began returning our payments. They sold our mortgage to another company end of XXXX. They removed the escrow account in XXXX but because of the late fees, returned payments, legal fees, missapplied payments, etc., they began returning payments also. Countless efforts of resolving this have forced us to be delinquent through no fault of our own. This new mortgage company has now started foreclosure. We always have and continue to pay the required payment every month and have been sending them certified return receipt. We are elderly and have been trying to resolve this. It is very taxing on our health and need some resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I entered into an agreement to pay {$30.00} each month until the balance was paid in full. After some time ( a year or XXXX maybe ) the company refused to acknowledge this agreement and reported it each month as " Failure to Pay '' even though I made my payment every month, often more than the agreed amount. It took 4 years to pay it but I paid every dime + interest that i owed per the agreement I entered into despite the fact that they failed to honor their end of our agreement. They are still reporting it as Failure to Pay on my credit report. Attached is a record of every payment made and when it CLEARED my bank as well as the interest paid each month ( final payment was not recorded but was paid in XXXX or XXXX 2013 ). I also have statements from the company if you need them showing my payment amount and the due date.The statements stopped coming I assume when the person I made the agreement with left the company 's employment. I do n't have immediate access to them but will locate them in our storage unit and have them available should you require them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 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: IN

Complaint narrative:
IMC CREDIT SERVICES are accusing me of a medical debt that was paid by worker 's compensation insurance. I was never given instruction that I would be charged, or that my insurance was not accepted, or that I would owe anything outside of what the insurance company already paid. I also have never received any written communication of any documents that I have signed regarding this and was never contacted stating that I owe any amounts of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Among all of the issues I had with our mortgage broker and being harassed, the XXXX issue that I am infuriated with is not being provided with our loan estimate details at any point during the loan process after we submitted our mortgage loan application and had to come up with a large sum of money 3 days before out closing. I was informed, later that the loan estimates should have been provided to us within 3 business days of submitting the application. We met with our broker on XXXX/XXXX/16, he wrote down figures on a blank sheet of paper, we signed some forms and met at my workplace the following week to provide additional requested documents to my broker, he told us to date all of the documents XXXX/XXXX/16 as that is the dare that we met. I followed up via email the following week and the broker confirmed the application was submitted on XXXX/XXXX/16 yet when I submitted my complaint to my bank, they are claiming that I received the loan estimates and provided me with a copy ( first time I saw this ) which was dated on XXXX/XXXX/16. I am confused how the loan details were already " generated '' before the loan application was submitted, why the broker scratched everything down on a piece of paper if the document was already created, why this document was never emailed, mailed or delivered to us in any manner at any point and I am now convinced that this was something was not just overlooked but was falsified. I was unaware that we were supposed to receive this document until I was reviewing our closing disclosure- and questioned the required funds with the broker and my attorney because it stated we needed to come with several thousands of dollars within 3 days. If I would have received the loan details within the 3 business days of submitting our application as mandated, then I would not have become stick, have XXXX, needed to scramble for answers regarding the discrepancy and for additional funds. Additional, I was later harassed by the broker and then he told me his job was in jeopardy- why would he state this if he did nothing wrong? We received our loan commitment, clear to close, closing disclosure and other documents however not the loan estimates " conveniently '' were never sent to us at any point.

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 2016-12-14 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:
M and T Bank- charged up to 3 times for insufficient funds for 1 description and anytime they feel like it, they manipulate your account so you will be charged added fees. money can be in my account and I will be pending for more than 3 days before they deduct my money.

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 2016-02-23 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
My bank M & t has allowed a unauthorized transaction to come threw my account knowing that we have never signed the paperwork with XXXX XXXX to run the card. Now we no why of get to are money because we donot do personal checks because someone has stolen my social security number. This has happened more then once. We can not just go get money we can only do it when they have banking hours. This is XXXX and do not know how the banks get away with it. This is called fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I have got no resolve from MT bank yet, and they just keep sending that same letter over and over. Their statements and claims are false, and I have a copy of my statement showing I did have funds at the time my money was stolen! I stated I had no funds when asked, because it was the truth! I had called to check my balance and that 's when I found out my funds were stolen and my debit was missing from my wallet. When I call I do not enter my debit card number, I enter my account number because i know by memory and do n't have to reach for my wallet all the time. The letter they sent states false statements that I made! It 's crazy they are still denying me my stolen money, and especially that I have all the proof I had funds and more! I need and want my money back! They have ruined the holidays for me and my family, but I refuse have them deny me my stolen money! This bank is the worse, and the people working there even worse. They are not there to help you, but make things even more difficult on you, and getting your stolen funds 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 2015-08-28 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: UT

Complaint narrative:
I received a phone call from the " FBI '' ( hackers must 've changed their caller id because the phone number they called from matched my local FBI office XXXX. They knew my name, had all my information such as address, school, school email, phone number, etc. They stated that a federal complaint had been filed against me, etc. Used a lot of legal terms, basically stated I had failed to pay {$1800.00} for an education tax. Told me that the case was on its way to court, I had an arrest warrant out for me, cops would show up to my door if I failed to comply with their orders. Since I did not have {$1800.00}, they said I could pay whatever I have and do the rest in monthly installments. 

In a state of panic and having been uneducated about how fraud and scammers work, I listened them and drove to my nearby Walmart to wire {$900.00} over to them using Moneygram to somebody named XXXX XXXX in FLORIDA. 

They then had me email a picture of the receipt with reference number, my license, and a picture of myself to XXXXXXXXXXXX. 

By the time I had realized I was being scammed, it had been already too late. I hung up and proceeded to call my family member. They continued calling me back ( I assume to try and get my bank information so I could do monthly installments ). After I blocked the number, they proceeded calling through an " Unknown '' number and left me many voicemails, all of which were just silent noise. 

The caller was male, around 20-30 years old, and had an XXXX accent. He uses a lot of legal-sounding terms and speaks very seriously. He tries to stay on the line with you the whole time and guides you through the whole process. 

I have reported this to my local police office, case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 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:
XX/XX/XXXX a collection account showed up on my credit report from the below company. I have no knowledge of this account. 

Account name PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$290.00} as of XX/XX/XXXX Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I turned in my lease vehicle and thought you should know about what I consider to be a deceptive and unscrupulous practice. About a month after turning in my vehicle I received a bill for something called a " disposition fee ''. Apparently this is a fee charged if the person returning the vehicle chooses not to purchase the vehicle. When I reviewed the contract with the finance person at the dealership he went through every line except this disposition fee line. To this day I still do n't know what a disposition fee is. I feel like the disposition fee line was purposely avoided by the dealer so as not to make me aware of it. Had I known about this fee I would have challenged it or refused to sign the lease. This practice needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: FC HoldCo LLC
State: NC

Complaint narrative:
XXXX made a error and send my ssn to different banks without my consent and flagship credit made hard inquires on my credit report with out my consent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 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: FL

Complaint narrative:
I spoke with an XXXX and XXXX XXXX and an operations manager who identified himself as XXXX XXXX, which is same voice and used different name? at Portfolio Recovery Associates. When I spoke to the representative I advised XXXX to not call me that I would like to place a verbal cease and desist and do not call me again. XXXX responded to me by telling me I have to send it in writing, he was extremely rude and condescending ( I have the call recordings in which I could prove it, plus they stated it is being recorded so they should be able to provide those recordings to me ) When I asked to speak with a supervisor I was transferred to XXXX XXXX who kept stating the same to me, was rude to me and terminated the call when I was not using profane language. I called back and that is when I asked to speak with a director and was transferred to XXXX. I kindly asked XXXX that I will like to not receive any calls and cease and desist my number and any other numbers listed, I verbally advised him to not call me he then stated I will need to submit that in writing other than that they will continue calling me. I asked if he would continue to harass me with calls after I requested to not call and manager responded yes collection calls will continue without Mini Miranda given. This representative/manager caused me to get extremely anxious and I am not having XXXX thanks to the rudeness and harassing condescending tone of these employees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Toyota Financial Services makes it extremely difficult to prepay principal forcing me to pay the full finance charge even when I make payments in excess of the amount due. I feel this is unfair and deceptive as I am paying interest on funds that they have the money to payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 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: MD

Complaint narrative:
I have an incorrect collection on my credit report without verification of debt. I asked for verification of contract and have yet to receive a response

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 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: CA

Complaint narrative:
PORTFOLIO RECOVERY AGRESSIVELY AND IN A VERY INSULTING MATTER ATTEMPTING TO COLLECT ON THE DEBT THAT I DO NOT OWE. I HAVE PAID THIS ACCOUNT OFF WITH XXXX BEFORE IT WENT INTO COLLECTIONS HOWEVER THEY ARE ATTEMPTING TO COLLECT, DISREGARDING MY NUMEROUS REQUESTS TO VALIDATE THIS ACCOUNT AND PROVING TO ME THAT THEY HAVE THE RIGHT PERSON AND RIGHT ACCOUNT. I KEEP GETTING AUTO/COMPUTER GENERATED LETTERS ONE AFTER ANOTHER, CALLS AND INAPPROPRIATE LANGUAGE IS BEING USED. I HAVE SENT THEM PROOF OF PAYMENT OF THIS ACCOUNT TO XXXX WHICH WAS IGNORED, AND I SENT THEM CEASE AND DESIST REQUEST TWICE WHICH WAS ALSO INGNORED. THIS IS UNACCEPTABLE AND MUST BE STOPPED

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery is attempting to collect a debt I supposedly owe from 2006. They have repeatedly called me, even when I asked not to. They tell me they do n't have to stop, even when I told them the Fair Debt Collection Practices Act prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from me. I told them to only contact me by letter, that further phone calls would be considered harassment. The first caller would never admit that they would stop. He also never gave a definite yes on a recorded line that they would cease phone communication. They dance around the legality and will hang up. These Portfolio Recovery people are XXXX. Preying on almost a XXXX year old debt that does n't affect a credit. I 've googled them and seen that they will not stop harassing people, even after letters. So I 'm filling all the things that I can, so this stops.

Company response to consumer: Closed with non-monetary relief