vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
Due to losing my job we have had to apply for a customer workout to try and keep our home. 
Having never to go through this before, I filled out the paperwork and on the paperwork it indicated approximate and verified. I did not fill out the verified amount because I sent in all our bank statements. I thought the bank will verify the actual total. We were given a ridicously amount to payback, I spoke with their representitive XXXX ID XXXX and was told that is the amount we need to pay to keep our home. I asked how is it possible for a family of XXXX to live on {$500.00} left over a month. I said I can not even buy food for that amount. He said I did not list spending any money for food. I advised that I thought they would verify the amount from our bank statements and he said no. I said isnt that a little ridicously to believe that a family of XXXX would not spend money on food? He said no for all he knows we grow our own food. I said that is far fetched he said its my fault I did not feel out the verify amounts. I am furious that I have been calling and calling to give all information needed and have been trying to get this resolved to no avail. M and T received XXXX XXXX in tax bailout money and they will not help with an FHA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NM

Complaint narrative:
This website claimed to be selling XXXX ( XXXX ). They requested a money gram transfer but never delivered the puppy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
Agency rep called my place of business and pretended to be a customer calling to " confirm an appointment '' when I indicated I could help confirm that appointment, she asked my name and then asked my name and date of birth, I knew then that she was not a customer at all, just lied to extract information. I told her not to call me at my workplace

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Atlantic Credit & Finance, Inc.
State: CO

Complaint narrative:
I had recieved a call from a debt collector in regards to a piece of furniture I co- SIgned on for my roommate and I at the time. We had parted ways 3 months after purchasing it and the other party kept the couch. In XXXX, I reviewed my credit score and saw the account on the couch was closed and {$XXXX} balance. Now a debt collector called, did not say what company he is working for and said if I did not pay right now I would be sent to an attorney and sued. I tried making payment arrangements but he would not work with me, He said this company has tried reaching out to me so I asked him to tell me when the last couple of times they tried and he told me " I am not wasting my time pulling up that stuff '' After that, he went silent and kept asking when I can pay and telling me " I don ; t want this sent to an attorney because I have no idea how bad it was going to get '' He would not tell me what attorney and if I paid something today we could set up payment arrangements in the future which seemed fishy. After that, I tried to calm him down and see if he would work with me but everytime I questioned something he said he would become aggressive and start asking for a payment again.

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 non-monetary relief
Consumer complaint received 2016-09-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
2 years ago I went to M & T bank to open a Bank deposit box -- I was told at that time I had to open a checking account to have the box. I disputed it but they insisted- we signed the basic paper work and since I need the box to store valuables belonging to my son while he was in XXXX I agreed. I started to wonder why I was getting charges greater than the cost of the XXXX XXXX XXXX When I accumulated the records I took it to the office and they told me it was a combination of insurance fees and late penalties-even though I paid for the box usually XXXX4 months in advance at the $ XXXX cost. I told them I never buy insurance but they insisted I did- I requested they show me the documents- they said they did n't have them and stalled so I reported it to the state XXXX office- all of a sudden they produced a document that had my initials stating I agreed to the insurance. I did n't but it was XXXX of those just initial here and here and here- and I did n't read the documents so I blamed myself for not being more careful, but I said I should n't have been charge late fees because the took the insurance payment out of my checking account and then my payment was short about XXXX or XXXX dollars causing what I assessed at approx. XXXX {$90.00} over all. I requested a refund and forwarded it to the XXXX 's office -- the bank eventually sent me a letter reiterating the information I already had-and basically said- this was the reply, have a nice day- notify our customer service dept if you have any issues. I replied that the initial complaint was to the customer service dept and that the letter was inadequate because all it did was state I had a box and resolved the insurance issue. However they did n't address the fact that I was lied to about having to have a credit account and that there were any late fees- No fee information was given to this date. I responded to the Banking industry and XXXX office again- but to date nothing and I believe they just logged it away. I am located in XXXX- the bank has its main office in XXXX so XXXX would do nothing- and XXXX just placated me with a 'have a nice day '' letter- Never did they address the failure to inform issue or the fees that I requested to be refunded. So unresolved issues are Denial of failure to disclose- unpublished fees for late payments- what constitutes a late payment and confirmation information of insurance that I had no idea I had, plus the fees that were charged that were never reimbursed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
THIS IS A MEDICAL EXPENSE COVERED BY MY EMPLOYER HEALTH INSURANCE - MY WIFE WAS PRESSURED INTO MAKING A PAYMENT & WAS TOLD IF SHE PAID HALF NOW THEY WOULD WRITE DOWN REMAINING MEDICAL BILL - SHE PAID HALF OF WHAT THEY WERE ASKING FOR & DID STOP THIER HARASSING CALL BUT DID NOT UPDATE CREDIT REPORT. NOW AFTER 7YRS SINCE SAID XXXX IS STILL SHOWING UP ON CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
My M & T Bank check card has had several security breaches in the past year. I had several foreign and out of state parties steal my check card number to make online purchases. I contacted my bank to report the transactions as fraudulent. One of the purchases appeared to be for this company XXXX and XXXX internet AG. There were several months of charges from this company made by this fraudulent individual ( s ). I contacted my bank as soon as I realized the fraud occurred. M & T bank replaced my card and resolved many of the charges. However, XXXX and XXXX com did not cease the fraudulent action. I contacted them directly to advise that this was fraud and to cease billing me. I asked them to tell me what the service was form what name was used to open the account etc. They refused to verify the debt with me and they refused to refund my money. I explained again that I dispute the charges and they are fraudulent and they refuse to cease collection. They now call my cell phone, a number that they never had until I called them. And they are even sending collection notices to my place of work -- -an address that I never provided to them. My name is not affiliated with my work address at all and my work address can in no way be construed as a residence. The company is willfully skipping my place of employment and disclosing my debt to my employer by sending collection notices to my place of work. They have refused my request to verify the debt and they have been advised that this is disputed and fraudulent debt. I am at a loss for how to make this company cease and desist their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Atlantic Credit & Finance, Inc.
State: MD

Complaint narrative:
XXXX at Atlantic credit and finance threatened to send our account lawyer if we did n't make a payment today or set up an payment agreement and then wanted our debit card and account information. She would not allow us to send payment via money order or checks and keep threatening us with lawyers

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 non-monetary relief
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: National Account Services, Inc.
State: MN

Complaint narrative:
XXXX XXXX, XXXX Hello Attorney General 's Office, Inspector General, Federal Trade Commission, Consumer the Minnesota Department of Commerce, Consumer Financial Protection Bureau, and XXXX XXXX XXXX : This is a formal complaint against National Account Services, XXXX XXXX XXXX XXXX, XXXX XXXX Minnesota XXXX -- -- for breaching our verbal contract with XXXX XXXX XXXX XXXX, and me. My case was referred to them on XXXX XXXX, XXXX. After being unemployed since XX/XX/XXXX The breach is supported by FDCPA and the Consumer Credit Protection Act of XX/XX/XXXX. There are also violations of Minnesota XXXX XXXX. There are many reasons why my bill was sent to collections one of the being that XXXX XXXX and I could not agree on a set amount to pay every month. Originally she wanted XXXX a month while I was unemployed, and I did not get unemployment. There was no income. Now I am working but also paying back bills from XX/XX/XXXX which has contributed to my economic hardship. 

My daughter 's experience as a child XXXX at that dance center was less than desirable and she was pulled from dancing XX/XX/XXXX. I refrained from making payments since XX/XX/XXXX because of the treatment she received and also because of the added cost for competition fees when XXXX was not attending. 

I had a verbal agreement with National Account Services to what I could each pay period after I started working XX/XX/XXXX after not being employed since XX/XX/XXXX. The collection balance was sent back to her on XXXX XXXX at her request. The effects of my collection account being taken back by the dance studio and being threatened for conciliation court by the owner XXXX XXXX of I do not pay according to her terms, is also another violation brought by National Account Services. I really on have XXXX a month to pay in addition to paying for competition fees when my daughter did not attend. This is causing harm, undue hardship with malice for me and my daughter. Therefore National Account Services has violated the FDCPA by causing undue financial harm or personal harm to me and my daughter, as well as violating an agreement verbally with their office. 

Now that the case has been taken back by Stage Left and the owner, XXXX XXXX, I can not have reduced payments that fits my budget as of XXXX to XXXX a month, but will have to pay XXXX a month, my food and grocery money, and have been threatened with conciliation court if I do not agree to her terms. I am waiting for XXXX XXXX to send me her revised contract. I would like to get this resolved. 

XXXX CC : The XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-16 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
I pay my rent by mailing in a money order. I was told by my landlord XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that he did not recieve it. This is my last payment to him and only payment that was " lost '' and I 've had previous issues with his management.Thus, I am concerned that I am being mistreated and money is being stolen from me. I am trying to cancel the money order but was told that I am unable to. My landlord is also asking for me to give him a cancelation reciept for it. My lease is up XXXX XXXX, 2015 and I contacted him to do my rental verification form that my new landlord provided me to give to him. He then stated that he did not recieve my payment. I asked him why was n't I notified that he did not recieve my payment. He stated that he did via mail but it was returned to him unable to send. Keep in mind that I have my address set to change XXXX XXXX, 2015. Thus, my address is still current and have been recieveing all of my mail. Can you please help? The money orders are through MoneyGram. The serial number for the {$100.00} money order is XXXX and the other for {$500.00} is XXXX that XXXX were purchased on XXXX XXXX, 2015 form XXXX XXXX store # XXXX and mailed off the same day to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Direct Capital
State: TN

Complaint narrative:
I think the debt is too old. It occured in 2011.The payday loan was XXXX XXXX Armands XXXX XXXX I do n't recall if I pay them. They sold this debt to a collection agency called Direct Capital Associates.XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. 
They call me numerous times a day. They called relatives I did not give permission for them to call. My mother, brother and sister-in law. They threatened me to my family telling them I am going to court and going to prison. This has caused me so many problems and I have XXXX. I am so upset and ca n't handle this. 

Please do yourself a favor and learn from me. Please do not take out payday loans. They are expensive and the companies will torment you, by calling continuously, even before it is time to pay. I truly believe they should be outlawed. I know people need money. Please try to learn strategies on managing money. This has been a big lesson for me. I do n't care if I have to do with out food, I would never do this again. This was in 2011 and I thought I paid them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
I was unaware of a insurance deductible bill for {$200.00} for XXXX of my adult children that had gone unpaid. I am primary on the insurance and normally would received a bill in the mail from hospital. However the first time I became aware of {$200.00} bill was after it appeared on my credit report. I found collection company immediately paid item and I do not disagree with amount however I received no mail or any calls from company. They stated a letter was sent in XXXX but I never received it and they had a house phone listed and I do n't have a house phone so no messages received. The hospital visit was in XX/XX/2016 I believe an no attempt to collect just added to my credit report, I was n't even the patient that was an adult. I called immediately paid but disputed collection as a bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC
State: MD

Complaint narrative:
I have been contacted by a doctor 's office and now a bill collector for collection of a " missed appointment '' fee that is not mine. I called the doctor 's office and sent them a letter XX/XX/XXXX to tell them that they have made an error. The bills kept coming. Now the bill has been handed to a collection agency. My daughter ( who is taking care of my bills while i live out of the country ) contacted the collection agency to dispute the claim and demand proof that i made this appointment, however they returned a copy of the bill as " proof ''. This is NOT proof of anything. I stopped using this doctor in XX/XX/XXXX after they wanted to order unnecessary tests. I have also moved from the US and now live in XXXX with my husband. I only come back to the USA in XX/XX/XXXX and XX/XX/XXXX which is when i make my doctor 's appointments. The appointment in question was from XX/XX/XXXX or XX/XX/XXXX. Further, i have had another doctor who i am happy with and have no reason to need to use my ex doctor 's services. Obviously the doctors office made an error when booking this appointment and expect me to pay for it, which i will not. The original fee for this " missed appointment '' was {$25.00} and now ballooned to {$27.00} due to added interest. I just want them to either prove to me that i actually made this appointment ( do they have " my call '' recorded? ) or STOP harassing me for a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
( 1 ) What happened : On XXXX XXXX, 2016, M & T Bank honored a {$700.00} fraudulent " digital check '' against our joint checking account. On XXXX XXXX, I found this check in an online review of our account and immediately notified M & T Bank of their negligence. We were told that the withdrawal was made against a " digital check '' which the bank was permitted to honor although it contained no signature and no endorsing signature on the back. The check number was higher than any check we had had printed for this account. We did not authorize this check or provide our bank account and/or routing number to the payee- or to anyone else- in writing, by phone, fax, or online. We visited our local bank the next day, as instructed, where we filed an Affidavit of Forgery and where we were advised to freeze the affected account and open a new account- which we did. 

Freezing our account meant that Social Security checks, which were automatically deposited, would not be available to us until the SS Administration is able to reroute the checks XX/XX/XXXX. 

For many XXXX, all of this could have been an impossibly time-consuming process and a catastrophic financial situation, perhaps affecting access to funds for medications and other living necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I signed a contract for alarm service through XXXX, via their contracting company XXXX XXXX XXXX XXXX XXXX, in the contract, it simply stated a credit bureau would be ran. For clarification I asked the representative XXXX XXXX if it was a soft or hard inquiry & he assured me it was soft. The company then messed up on all kinds of things including the running of my credit. They ran my credit on XXXX/XXXX/16 & XXXX/XXXX/16 ( 2 days after the first time ). I contacted my rep XXXX XXXX again & told him they ran it twice and it was a hard inquiry not a soft as her assured me. He apologized and said he woudl try to get it straightened out. This was all via text on XXXX/XXXX/2016. Nothing was done. I spoke to XXXX at XXXX approximately 3 weeks ago, and was told she requested a deletion of the inquiry from XXXX but they will only remove XXXX inquiry not XXXX. I pulled my credit again today & XXXX inquiries are on there. 
I believe that it is only fair that XXXX inquiries should be removed, as I was given false information by XXXX 's authorized provider XXXX. I never would have agreed to the contract if I was told it would be a hard inquiry. The company should be accountable for the information their employees provided me and the inquiries should be removed from my credit. The XXXX inquiries dropped my score XXXX points on Equifax. The damage to my score is not my fault and they should be removed as I was deceived by the company 's representative. I have all the texts should the company like to see them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA

Complaint narrative:
I went onto XXXX to buy some XXXX XXXX game tickets. I found a guy to buy them at the price I could afford. HE agreed. I had been texting with him and also talked to him on the phone before sending the money. I used Money Gram to send the money, and he is n't sending the tickets. I 'm out {$300.00} and {$11.00} for the Money Gram fee. I would like help in making sure this does n't happen to someone else.

Company response to consumer: Closed with explanation