vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Berman & Rabin, P.A.
State: SD

Complaint narrative:
Have n't had a single phone call from this company in nine years. No letters no nothing. Found out a judgment was against me from nine years ago. Called to try to see what the judgement was for and why I have n't heard anything from them. The reresenative XXXX or XXXX was extremely rude would not work with me at all. XXXX talked over me would n't explain things. Was acting in a misleading manner. I tried to give auth for a third party authorization to speak and get information to help with this debt he was rude to her and hung up on her when she asked to speak with someone above him.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
Moneygram locked me out of my online account, which use to send money to my family, back in XXXX. When asked the reason, why I was locked out ; when i called moneygram i was told by a customer service agent, that its for security reasons. But i think its because of discrimination, based on whats happening with lottery scamming in XXXX, i feel i was targeted and locked out by moneygram, based on my remittance, destination.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
My home loan was with XXXX XXXX XXXX and I went into a slow pay with them and started paper work with them at that point. I was told that they would not work with me at all and I was told to wait till I was 2 months behind and maybe said they may want to help.. They did not do anything for me. Then a few months later they sold my loan to M And T bank and they send me a letter telling me that I was now with them and to start making payments to them ASAP. I called to make my payments and they told me that I could not make anymore payments till we sent in a modification package to see if they could help me. They would not take my payments then I sent all the information everytime that they asked me and then told me my documents were not current so they asked for info again and again and again and always at the 30 day mark. I was sent back again and again and never got help. Then I spoke to XXXX XXXX and he informed me that we would not have to make a payment and we would be review again. Do n't worry everything should be fine. I then revcived a letter stating that I got turned down for the modification and that I was going to lose my house. I called the bank and tried to make payments but they said they could not take them I was only 3 months behind. They told me that I could not make the payments. They then told me to re-apply and they said that I would not get approved but to try anyway. Then I went to find someone to help me but after 1 month they came back with a forbearance and they said that the payments would be XXXX per month and that the agreement was for 6 months and after the agreement they would reconsider for a additional term. I made all the payments on time and XXXX XXXX 2015 was the last payment for the forbearance and I sent the payment but 5 days later they started a forclosure sale date of XXXX XXXX 2015 and told me that they did not have to reiview me again unless I sent info 30 days in advance. I never received a forbearance agreement from the bank and I never signed XXXX. I have been requesting Info from the bank since XXXX/XXXX/2015 to show a signed forbearance and the terms but to this date they have not complied with my request this is now over XXXX days. I also contacted the trustee quality loan services and requested them to respond to QWR and they did not comply. I just yesterday XXXX XXXX 2015 reinstated my mortgage in hopes that someone would help me. This bank is really a mess and if not for many hours of work I would have lost my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC

Complaint narrative:
This is a summary and a full version will be attached to this complaint. I was victimized by a scam involving online sale of puppies. Perpetrator was sophisticated in the way they described their program and involved victim in their process. They started out with a beautiful puppy and great concern over well being of the puppy and got you to buy into how sincere they were. They convinced me to send {$750.00} -- {$500.00} for puppy, {$250.00} for shipping ( at a cost of {$11.00} to me ). Then they said they would ship puppy & I would be contacted by delivery company. Delivery company contacted me with elaborate delivery procedures & instructions then at the last minute the delivery company contacted us wanting {$1800.00} for life insurance on the puppy saying they would return {$1700.00} of the {$1800.00} at the time they delivered the puppy. The backed up the demand for the {$1800.00} with references to XXXX regulations. We did not pay the {$1800.00}. It is a pretty elaborate scheme. It works fast. I am afraid other vulnerable people are being defrauded by this scheme. I suspect that the breeder and the delivery company are actually the same person or people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 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:
My husband and I have been with M & T bank since they came to our area. We are deeply in debt, but have NEVER missed a payment. I was laid off XX/XX/XXXX and lost my Health Insurance.I then learned I need a new hip. I had to quit my job. While I have found a XXXX % discount on the Hospital bill, it will still be around {$10000.00}. ( Sorry about this info, it just explains our current situation. Our savings are gone. My husband 's XXXX is gone. We have figured out a way to regroup, but we need a couple months. In the course of communicating with M & T bank since XX/XX/XXXX, I have made 9 phone calls. I have gotten Numerous different responses about re-aging two months payments on our Home Equity Line of Credit payment. These calls are all recorded by them. I learned that it 's possible to get Two months payments re-aged. However we can only get one month. I asked why and was told by various people that XX/XX/XXXX payment did n't count, then that XXXX 's did n't count and finally today that XX/XX/XXXX does n't count. I want to know why we ca n't get two months re-aged. Mind you, we have Never missed a payment until now. I asked to speak to the Supervisor, XXXX XXXX I was told I was being transferred to her. Surprise, Surprise - I got her voice mail. I have been trying to deal with this since XX/XX/XXXX. I know we are n't important as customers and that it 's all about money. If I can only get One month re-aged, I at least deserve a clear and coherent answer as to why. Why are they doing this to us? They really do n't want our house. I 'm not a stupid person. I 've never been jacked around so badly in my life. This is hard enough to deal with without such nonsense. I truly hope you can help me.

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 2015-12-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: First Data Corporation
State: MA

Complaint narrative:
I received an alert on my credit report that a hard inquiry was made to my credit report by a company called " First Data Merchant Services ''. I immediately recognized this to be a fraudulent inquiry and attempted to contact First Data to alert them to the fraudulent activity and close the account if one had been opened. I found a customer service phone number and talked to a representative who told me I needed to speak to the Security Department. I was transferred. The call went to voicemail and I left a message explaining the situation and left my phone number. After receiving no call back for XXXX days I called again. Over the next week I called First Data 24 times trying to speak to someone who could address this potential fraudulent activity. I was always referred to the same " security '' desk who never answered the phone and never returned my call. It has been three weeks and i 'm still yet to be contacted. 
This company issues credit card processing machines to merchants. Someone has potentially opened a fraudulent account using my personal info and this company can not or more likely will not contact me to attempt to resolve. As frustrating as identity theft is, it isnt nearly as frustrating as a company like this who gives them the ability to perpetrate then gives no ability to the victimized consumer to address. Furthermore, I was unable to obtain an e-mail or mailing address to either the security department or legal department to send a letter with my concerns. I asked agents as well as their website. Not one email or mailing address is listed on their website. Please address this criminally negligent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
To Whom it may concern, My name is XXXX XXXX on XXXX,2015. I went to Walmart and sent my mother {$310.00} plus {$9.00} thru Money Gram. It is now XXXX,2015 and they wont refund my money nor give my Mother the money I sent to her. I have called continously with no avail and visited Walmart with no avail. MoneyGram employee 's have given me bogus names and agent id numbers and hang up in my face. The only thing I want is my refund. Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NE

Complaint narrative:
On XXXX/XXXX/2015, I received a phone call from an online computer service provider. They told me they were going to refund my fees paid to XXXX. After hours of trying to connect, they scamed me into allowing access to my bank account information. Showing me they had an account at the same credit union. Anyway they claimed to deposited excessive amount into my checking, ( which was transfered from my savings. ) And that i would have to send them a money gram for the excess. I did all this and realized what they had done and cancelled the money gram in time to get my funds returned. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX was a supervisor at this company. He ensured me everything was alright. and gave me a transfer id #. and showed me his account with XXXX XXXX XXXX XXXX. They requested funds be sent to a XXXX XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
In XXXX 2010 I got a mortgage through M & T bank on a home thatneeded some repairs so I took extra money out to do repairs thebank told me it would make my loan go faster if I got a contractorsquote I asked them several times if I could still do the work myselfwith a contractors quote they told me yes well needless to say itdid not turn out that way after the closing I never received any of theextra money. I could not live in the home until these repairs wheredone and the bank knew this. XXXX years ago the bank tried toforeclose on me I got a lawyer and we went to court the judge toldM & T they had to redo my mortgage at the original purchase price. 
My lawyer sent M & T everything they needed to redo the loan. 
A month later my lawyer calls me and says M & T sent him a letterstating that they did n't get everything they needed but did not tellhim what we where missing when he called no one got back to him. 
Now I have to go through this again and I must say I 've had enoughM & T to this day has yet to send me a mortgage statement. Now theysold my mortgage to XXXX and I have called them and left messageand no one calls me back. 
I have e-mails from M & T about getting the extra money I borrowedI have XXXX that says they mailed my check out when I did n't receive itI called the lady and she told me that e-mail should of never went outif that 's the case why was it even typed up and sent. 
At this time I have no idea of where to turn. Although I am sure I shouldbe able to sue M & T for predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had XXXX XXXX call me at home ( cold calls ) and offer insurance policies as I was not insured and I had been looking on the Federal Exchange. I asked specifically if they covered the doctors I was using as I am XXXX now and they said they " looked it up '' and answered absolutely YES. The insurance companies were from out of state. When I tried to tell this to Capital One the card I had charged the premiums to they said the companies submitted all their paperwork where I had signed up, although I never received anything from any of these companies. They told me not to use the policy for 30 days and directed me to a website to print up a temporary insurance card, nothing else. The card is refusing to credit me for the money I spent on these policies they blatantly lied about. I am XXXX and have no income. I believe they sold policies on fraudulent premises, lies. I have written several letters to Capital One explaining this to no avail. Capital One is siding with the insurance companies. I called and cancelled these policies within the required 30 day period which now the insurance companies are denying. I got no paperwork or confirmation numbers when I cancelled these policies which is what Capital One is asking for. Which is why I am guessing they did n't want me to file any claims for 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
When I was late with payment to Discover, a representative called and got me to schedule a payment on my next regular payment date. Still underemployed, I ca n't afford to make the payment this month. The Discover web site says " Payments made online or by phone must be edited or canceled by XXXX XXXX on the payment posting date for changes to take effect. ". Since I arranged this payment by phone, I assumed I would be able to cancel the scheduled payment on the payment posting date, but the representative claimed she could not cancel it. Now I 'll have to pay my bank {$35.00} to stop payment. The information from my bank details this payment as " Phone Pay '' The following is transcript of chat with representative : XXXX : at XXXXXXXXWe submit the payments electronically to your bank on the date the payment is scheduled for. Once submitted, your bank takes over the payment and depending on how they process the payment will determine when the payment will hit the account. We do not have control over this. 
you : at XXXXXXXXThe web site says " Payments made online or by phone must be edited or canceled by XXXX XXXX on the payment posting date for changes to take effect. '' I find it hard to believe this payment ca n't be edited or cancelled also, since today is the payment posting date. 
XXXX : at XXXXXXXXYour payment was scheduled by a representative, not through the website. 
you : at XXXXXXXXThat does n't explain why you, a repersentative, ca n't cancel it. 
XXXX : at XXXXXXXXThe payment has already been processed. Once processed, they can not be canceled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-02 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
on XXXX/XXXX/2015 at XXXX i visit XXXX XXXX # XXXX, they represent Money Gram, i send XXXX us dollar international to the XXXX XXXX under XXXX # XXXX, originator XXXX XXXX XXXX, to be receive by XXXX XXXX XXXX, the money until today XXXX/XXXX/2015 at XXXX shows as in hold by money gram, i try all possible options to comunicate with the company and they just place my call in hold, the XXXX XXXX XXXX XXXX me that they have no way to help me on this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
Collector states that a bill is due from the physician. According to the physicians billing group, no bill is pending nor did they send one to collection company. The credit people calling do not have my correct address, and are asking for payment by credit card over the phone. They have not provided any information as to who the exact person/company the debt is owed to. I believe this to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Skopos Financial, LLC
State: MO

Complaint narrative:
I reported my car stolen on XX/XX/2016 with the XXXX Police Department. When I called Skopos to let them know my car was stolen they said they repossessed it. When I asked why I was told I was 3 months behind - XX/XX/2016. When I faxed proof of payment and called back the next day I got XXXX the manager. She said she the gal I spoke to before told me incorrectly and I was 3 months behind. When I asked which 3 months, XXXX said she did n't know. I told her I reported it stolen with XXXX Police, and my insurance company and she said - you have insurance? I asked if I could get my personal items from the car and she would not tell me where I could get my personal items - coat, cds, or other items from my car. When the XXXX Police ran my information my car has never been reported as repo. Today I received a letter stating my car would be sold after XX/XX/2016. I have never received any type of payment coupons or notices from Skopos so I would still send in my payments. XXXX kept stating that I filed bankruptcy and that 's how my car was 3 months behind. I told her I filed bankruptcy over 2 years ago and asked why was n't I notified or why it was taken then. No response. I have an attorney that has been trying to contact them and will not return her calls. I have filed complaints with the XXXX Attorney General, XXXX Attorney General and XXXX. XXXX said they will contact the company but I have not received a response. NEVER get a loan from Skopos.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: PA

Complaint narrative:
They continue to contact my family members trying to get information about me saying they need to collect a debt. They were very rude to my parents and my brother on the phone. IT seems like a scam

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My mortgage servicing provider ( Shellpoint ) transferred my mortgage to another service provider ( XXXX ). This is a standard procedure and I went through the process several times before. However, this time I was not informed about the transfer from either company! Because Shellpoint had a wrong address on file I did not receive their notifications. Additionally, since the new service provider ( XXXX ) relies on the address from the previous service provider, I did not receive any communication from them either. 

I found out about the transfer a few months later via a coincidence. I checked my credit report and noticed that my credit score dropped. Apparently I had a mortgage with XXXX that was more than 30 days late. I was confused as I had been making timely payments to my my mortgage provider. 

I called Shellpoint and they informed me that they are not my service provider anymore and they referred me to XXXX. Both providers admitted that they had the wrong mailing address and that the mail they sent to me had been returned to them. When asked why they did not call me both service providers did n't provide an explanation. I still do n't understand why Shellpoint never tried to call me while they continued to receive my mortgage payments several months after the service transfer. 

I immediately settled my balance with XXXX as they were very adamant about the outstanding balance. Working with the XXXX service providers and all three credit bureaus is very stressful and frustrating as it all could have been avoided. As of today I am still waiting for Shellpoint to reimburse me for three months of mortgage payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My wife and I recently file for chapter XXXX bankruptcy, in an attempt to get a new start for our family. During the process, our mortgage company ; Shellpoint Mortgaging Servicing notified us that we were eligible for a loan modification. The paperwork came and we filled it out as accurate as possible, providing all the required documents that were needed to go forward with the modification approval. Several weeks went by and we finally heard from a representative stating that she was taking on our case, " the original representative is no longer handling our case ''. This particular case worker needed the same documents all over again, in which we complied. Several more weeks go by and she stated she needed additional paperwork, via fax, in which we complied. Once again we get a letter stating that our paperwork was handed to another case worker ; repeating the same thing the other XXXX case worker stated. Once again my wife and I complied. Finally, we received a letter stating that we were denied loan modification and loss mitigation. Please understand this has been several attempts over the past two years or so trying to get remodified, which lead us to other choice but to file for bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation