vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-16 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
I had send {$3300.00} .XXXX through money gram I want to get that money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 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 XXXX A lady name XXXX XXXX with XXXX XXXX XXXX treating me with jail time of 5 years if I do n't send her {$4100.00} by money gram then they had me running around town to a walmart and I was supposed to be in phone checking the them every minute if the phone call got disconnected I would be arrested. They demanded not to tell any one and send XXXX money grams to XXXX XXXX in TX for {$670.00} and XXXX XXXX in TX for {$600.00}. that was XX/XX/2015. Today XX/XX/2015 call me from another phone XXXX But my husband cussed them out and they stop. Now they stole from me {$1300.00} I was afraid for my life it was so disturbing. They yelled at me and it sound so real.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Receivables Management Partners, LLC
State: MD

Complaint narrative:
I contacted Berks Credit and Collections and was told I owed {$63.00}. I paid them with my XXXX debit card and provided them with my new address. I then received a letter stating I still owed {$63.00} and the account still remains listed open on my credit report. This is not accurate. The account is paid in full

Company response to consumer: Closed
Consumer complaint received 2015-05-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
I submmited a fully document Request for a Loan Modification with mortgage company M & T Mortgage XXXX Investor XXXX XXXX XXXX to reduce my mortgage payment ; instead to consider my case for a HAMP review, they approved me for a Streamline Loan Mod that reduced my mortgage payment to 43 % of my monthly gross income ( {$2200.00} ). Also they decided to charge me {$980.00} modification fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Client Financial Services of Michigan LLC
State: MI

Complaint narrative:
My medical insurance paid the bill, and I was then subsequently billed again for the full amount. My insurance provider then opened an investigation, and it was decided that I did not owe the amount that was billed. I have now been contacted twice by a debt collection agency for this amount, despite sending them a letter asking for proof of the debt upon receipt of the first notice. I have yet to receive proof of the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AR

Complaint narrative:
My dad lives in XXXX and I live in XXXX. A few weeks ago he sent money from Walmart through Money Gram, but before I could pick it up the next day he was hospitalized. I was told by the cashier at my local Walmart that I would not be able to pick up my money because the message she got on the system said that " the money must be picked up in the state designated by the sender. '' I said what do you mean? She said well there is no state listed here. So I called the Walmart where my dad sent it from and they informed me they could n't help me either, and they gave me the number to money gram. I have called money gram and they said '' It does have a state specified it is listed as XXXX. '' But it 's our policy that we do n't allow one to receive money in the same state that is sent from. '' OK so that should be a no-brainer right? It was obviously a mistake on the cashiers part -- no luck. They say my dad has to personally go back to the Walmart where he sent it and fix it. HE IS IN THE HOSPITAL AND CAN NOT BREATHE on his own, so that is not possible!! I emailed a complaint to MoneyGram and in their reply they tell me that HE must CALL an XXXX number they provided on the email. What?? I could have ANY MALE caller to do so if that is so true. Sounds to me like this is their way to make money. Wow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
Death in family occurred. Prior to her death, our mother had requested that her IRA to be closed with XXXX XXXX and funds to be sent to her. While waiting for her request to be processed she passed away and the requested funds where received at her current address, which was the address of her daughter who was taking care of her. Additionally, her daughter was executor of Mothers estate/affairs. The previously request Check was received in her name and due to her death was deposited by daughter into her primary account since her mother had passed away. Initially the deposit was reflected in the account, however several days later M & T fraud called with questions. After further explanation we were told by M & T bank that an estate account would need to be opened and the now frozen funds would be moved into account upon all correct documentation being provided. Daughter went into local branch and provided the requested documentation to open account ( short certificate, death certificate etc. ) the new account was opened as requested. We then as requested, notified Fraud Unit of the successful opening of the Estate account. After several days we again contacted the Fraud unit as the account still did not reflect the funds being released and deposited. We were now told that the Bank decided they wanted to take different route and refused to release funds. The Bank demanded that we provide the contact information for the now closed XXXX XXXX account so the information we had provided could be further verify. Verification was completed and our information that was provided was validated and upon the check being issued per the deceased request, the account was now closed. M & T still holding the issued funds had now changed process again for funds to be released and deposited. They were now requiring XXXX XXXX to request the check back after it was deposited and cashed. XXXX XXXX was willing to do so with a letter request from M & T stating " deposit was made in error without proper endorsement. " Additionally, XXXX XXXX would redeposit the check in question back into the now closed account to force the account to be reopened and re-send the check however M & T needed it to be sent to be deposited into the account. To date, there still has been no movement for the funds to be deposited back into our account in which we are currently at over 3 weeks with no resolution. Multiple calls made to Fraud area with request for update and we continue to be given a different story or I ca n't speak for the " Retail Bank '' and where they are in the Resolution of your situation. 
We simple would like our funds to be deposited as they should be so we can pay for the burial expense of our Mother. We have been extremely patient but our patience has come to an end. We are turning to the CFPB for help with resolution of this issue before we will need to get our Attorney involved. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I spoke with my branch of M & T bank on XXXX XXXX in XXXX XXXX. I was told that I could not add more than one beneficiary to any new account. That in order to have my husband and XXXX children as beneficiaries as I had done in the past when the bank was XXXX XXXX, I would have to open XXXX separate accounts whether they be checking, money market or cd. I called other M & T Banks in XXXX XXXX and XXXX, XXXX and they do not have this rule. I called the M & T Service hotline and they connected me to XXXX XXXX XXXX in XXXX, XXXX who is the VP of XXXX branches XXXX XXXX XXXX. He said that this was true as an internal decision and there was NO written confirmation for account holders and he would n't give me internal memos. The bank claims that ALL banks in the US will soon be doing this. Not only is opening XXXX accounts cumbersome record keeping, it prevents me from accessing higher interest rates that vary with the amount of money held in a single account. This internal rule would also require me to make XXXX withdrawals every time I did to keep the accounts even to be fair to my beneficiaries. I argued with XXXX XXXX that this was an account change and should be in an account agreement and he said no it is an internal change. There is NOTHING in writing for consumers. Needless to say, I will not continue to bank at this M & T branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Other financial service — Credit repair
Issue: Fraud or scam — 
Company: AE Tradings Inc
State: FL

Complaint narrative:
XXXX XXXX at XXXX offered to help to improve my credit score by having his company cancel some of the negative items, and mostly apply a Tradeline. He explained that his company would have obtained from a bank or financial institution a so-called Tradeline, equivalent to a credit line for XXXX $ which would have post on my credit and would have significantly improve my debt-credit ratio with credit bureaus boosting my credit score. Such Tradeline cost was XXXX , only for the Tradeline. After months of several follow ups and no signs of such Tradelane nowhere, no improvements in my credit score, to the contrary a decrease without any negative actions from my side that may have caused that, or receiving official document proving such tradeline posted on my account for XXXX $ I asked refund. He emailed saying his company policy states 'no refunds ' and admitting several times he had a delay and he even offered to raise the amount of such credit line if it would not being posted in the following 30 days. All in writing. He of course never delivered what he promised and he disappeared. I think we have here several grounds for a financial fraud. I have in my possession several written communication proving all that. I wish to have full refund of my XXXX $ ( XXXX $ were discounted and paid to my boyfriend as referral fee ), and make sure that no other consumers will be duped by this individual. Please look at the attachments where my boyfriend is trying to have proof for the service paid XXXX . XXXX XXXX, the company owner sent a cropped photo ( see attached ) presumably of a fake credit card opened in my name retroactively in 1998. I have also more contracts and written proofs if necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
RMP SERVICES LLC has placed an unauthorized derogatory, harmful, and damaging account/item on my Consumer report. XXXX XXXX XXXX ( a ). RMP SERVICES LLC has violated my federally protected consumer rights without causing injury, harm, and damages to my pursuit of happiness and right to utilize consumer credit. 

I have included an attachment requesting XXXX XXXX to respond point by point with verifiable facts and authenticated documentation validating that I owe them any alleged debt. XXXX XXXX XXXX ( a, b : " until debt collector obtains verification of the debt '' ). Failure to do so will result in Civil Penalties according to Consumer Protection Laws and other laws that may apply. 

RMP SERVICES LLC has no proof of claim with verified, validated authenticated documentation. RMP SERVICES LLC has violated the FDCPA 1692 and is Civilly Liable according to XXXX Civil Liability [ XXXX XXXX XXXX ] and other consumer protection laws. 

RMP SERVICES LLC has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Consumer Financial Protection Bureau Case # XXXX This is an ongoing case in which I have submitted a letter to First Niagara Bank in response to their letter detailing that the information they provided was not in fact proof of fraud and that actual proof needs to be submitted. I have attached a copy of the letter. 
Please help to get this matter retified. This was originally submitted to the Attorney General 's Office and they submitted it to you. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I was contacted by Portfolio Recovery regarding a charge account that was delinquent. They called my cell phone repeatedly each day and sent the information to XXXX XXXX XXXX where I was informed I had to pay the amount or I would be sued in court. During this time I was going through a tough financial time as well as recovering from a divorce but felt pressured to comply or fear going to court. ( I have never been to court so that aspect scared me to death as I was n't sure what the Judge would order. I did n't want to go to Jail and not be able to see my son ). I had to borrow the money to satisfy the outstanding debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: F.H. Cann & Associates, Inc.
State: FL

Complaint narrative:
I received three phone calls today from a debt collection agency, but I do not nor have I ever owed them any money. Since I got my new cell phone ( XXXX XXXX ), I have received many phone calls from debt collectors and scams. I tried changing the number once already but the debt collectors and scams keeps calling. I have never had such a bad experience with a cell phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
My boyfriend received a call at work from XXXX XXXX XXXX XXXX asking for me. He asked who it was and they would not give him any information. They asked if I was there to talk and he said, " No. '' Then, they hung up. I searched out the phone number and found it was for a company called " Portfolio Recovery Associates, '' which is a collection agency. There are also several reports online about this company trying to scam people out of money by claiming that they have an unpaid debt owing. I am not aware of anything that I might be owing to or through this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: AC AutoPay LLC, Denver, CO Branch
State: FL

Complaint narrative:
I want to file a complain, against AC Auto pay. I least a vehicle with this company in the past.. 
Back in XX/XX/XXXX I decided to terminated my lease and return the vehicle. At the time I only owed {$7000.00} on the vehicle. This lease was a option to buy at the end of the lease. And so every month when I make a payment. Money was put a side to buy the vehicle. At the time when I return the vehicle I have {$3000.00} save to but this vehicle. AC Auto pay sell this vehicle and put on my credit report that I owed {$5400.00} dollars. Which is wrong. 
Today I call and trying to settle this account. The representative and I came to a settlement of {$3500.00}. We divided it up into XXXX payment XXXX payment on XX/XX/XXXX XXXX payment on XX/XX/XXXX and the XXXX payment on XX/XX/XXXX I tell the representative that I need something in writing that we settle fro this amount plus I will not make any payment before this letter. She said If I do n't give her my checking account are credit cared this offer is null and void and so she hang-up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 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: CO

Complaint narrative:
An account is listed under Portfolio Recovery. I have attempted to dispute this debt, and no steps were taken on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 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: MN

Complaint narrative:
Portfolio Recovery Associates , LLC, a collection agency failed to validate an account. They continue to report the invalidated account to the XXXX credit reporting agencies. 
In XX/XX/XXXX I requested my free annual credit reports. On my credit reports I noticed an entry by Portfolio Recovery Associates , LLC. In XX/XX/XXXX I mailed Portfolio Recovery Associates LLC a letter requesting validation. The information I requested in my validation letter were as follows:1. What the money they say I owe is for. 
2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what they say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Show me that they are licensed to collect in Minnesota ; 7. Provide me with their license numbers and Registered Agent. 

They received it around the end of XX/XX/XXXX. In early XXXX I received their response. Their response was a computerized printout on their own letterhead. Furthermore, they were n't able to provide the information listed above. 
I allowed XXXX months to pass by giving them sufficient time to send me some actual validation. In XX/XX/XXXX I mailed them a follow up letter to the response they mailed me in XX/XX/XXXX. In the letter I informed Portfolio Recovery Associates , LLC that they did not validate the account according to the Fair Debt Collection Practices Act. I included a copy of the FTC 's Cass- XXXX Opinion Letter. I wrote them that according to this opinion letter when a collection agency reports an account to the credit reporting agencies, this constitutes collection activity. The Statute of Limitations on the alleged account they are trying to collect has expired. 
Furthermore, I included a copy of the FTC 's XXXX Opinion Letter. According to this letter a computerized print out if a debt does not constitute debt validation. Again their response was a computer printout on their own letterhead. I received this response in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Associates ( Debt Collection Agency ) discharged a debt they claim I owed to them on behalf of a previous merchant on XXXX XXXX, 2016. I recently received a XXXX form from the IRS showing that this company discharged this debt on XXXX XXXX, 2016. In doing so, they charged it to me, whereas I must now report this onto my 2016 Tax returns. Furthermore, Portfolio Recovery Associates LLC has continued to attempt to collect this throughout the year ( 2016 ). The latest written correspondence I received from this company attempting to collect a debt was on XXXX XXXX, 2016 ; nine ( 9 ) months after discharging it. This appears to be misleading, and undermining to their credibility as a business. They claim to have discharged this debt to the Internal Revenue Service, yet they are still trying to collect it months later. 

This is not the only time that Portfolio Recovery Associates has violated the FDPA. In fact, it seems they have a pattern of doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They bought a debt pennies on a dollar and continued preying on me to repay or else.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 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: VA

Complaint narrative:
I have Portfolio recovery trying to collect a debt that is not on my credit report because it was removed and determined not to be mine over 14 years ago. They continue to harass me about it. I made the mistake of paying them on a debt by using my checking account and now they have it on file. They have filed a warrant in debt on me after I agreed to pay them and they still sent my debt to court. It was a waste of my time and court because it was dismissed because it was paid. They are threatening to send the paperwork to court. I explained this debt is not mine and it was determined years ago. They said we do n't care you got to pay us. XXXX person name was XXXX and the other name XXXX (? ) she said it so fast and when I asked her to repeat it she refused. They are calling me about old debt. I do have XXXX debt I am paying on with them but I feel like they are adding stuff that does n't belong to me because I have paid other debt that I was behind on. The debt is from XXXX XXXX, who i think maybe another collection agency for {$8500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 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: NC

Complaint narrative:
This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter

Company response to consumer: Closed with non-monetary relief