vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: UMPQUA HOLDINGS CORPORATION
State: OK

Complaint narrative:
The loan was made XXXX 2015 for around XXXX. However when I received the loan instrument It reads in bold letters at the top LEASE WITH OPTION TO PURCHASE however after reading the loan it was my interpretation to purchase the full XXXX would have to be paid then you would have an option to purchase for XXXX. Subsequently I refused to sign the lease. However Pacific Financing XXXX called me at least 30 times swearing the lease did n't read that way. So I agreed to sign the lease and supplemented it with an addendum clarifying the loan amount the interest rate and I had the option of paying the lease at anytime with the loan amount plus interest minus my payments. After I signed no copy of anything was provided to me. I contacted them in XX/XX/XXXX to finish paying the loan off and was told {$24000.00} at that point I stopped making payments. I am a XXXX person and they have sent men threatening me with bodily harm unless I paid. I contend the contract is void because they intentionally told me the contract said what it did '' t because the essential part of any contract is understanding. Furthermore they are using extortion methods to enforce a contract they swore they were not presenting. I feel this is a fraudulent contract with extortion to insure payment.

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 2015-08-16 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: WA

Complaint narrative:
I financed a XXXX from a dealer in XXXX, XXXX in XXXX, I was making payments to them every XXXX weeks, in XXXX I went in to make a payment and they told me that they had given the loan to another company and that the company would be in touch with me. I received a call from a company called XXXX XXXX in XXXX XXXX, CA, they said they were the new finance company, and I should start making payments to them, which I did. After making payments, I asked about the title and they said they would send it to me, but, I never got it. I moved back to XXXX State in XXXX, I was still making payments, then one day I went to make my payment and I was locked out of my account, I contacted them and they said they had changed and to use XXXX at XXXX. I was making payments that way, but something did n't feel right, so I wrote the State of XXXX and the response from XXXX that they had bought my car at auction while I was driving it and would n't send the title until the car was paid off. After that I never heard from them, no statements or calls and I could n't make payments to the account. Last month I got a call from a collection agency in XXXX saying that they wanted payment for the car and to send it to them. I told they woman who called that I wanted something in writing from them and I was n't going to talk to them until I received something in writing. I never got a letter from XXXX that they were the new lienholder, my title has someoneels'e name on it. I also have never gotten a contract from they, they just sent statement whne it was time to make payments and since XXXX I have n't gotten a staement. So what do I do? 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
letter Sent XXXX XXXX, 2016 XXXX XXXX - CEO XXXX XXXX - CEO, US XXXX XXXX - CEO, International Wal-Mart Stores , Inc. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subj : Money Laundering by Walmart partner, Moneygram Payment Systems XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Gentlemen : We 've never met, but I 'm taking the time to write this letter on behalf of a customer, in the hope that you personally, and not just administrative staffers, will become more aware of the blatant fraud and money laundering activity occurring daily via Walmarts via Moneygram Payment Services. 

This story relates to my mother, XXXX XXXX XXXX of XXXX XXXX XXXX, age XXXX, for whom I have registered FPOA. Last week my mother was the unfortunate victim of a phone and internet fraud involving the loss of nearly {$8000.00}. Walmart was not strictly at fault in the several transactions that originated at your XXXX XXXX XXXX store via Moneygram. But nevertheless the transactions were fraudulent, aided and enabled by Moneygram, operating out of your store. 

I wo n't take the time to relate the entire sad story here. Suffice to say that via phone and Internet, my mother was induced to send cash via XXXX Moneygram transactions, to an unidentifiable name in XXXX. 

The Moneygram transactions, reported to law enforcement, were as follows : XXXX XXXX, 2016 XXXX {$1500.00} XXXX XXXX, 2016 XXXX {$1900.00} XXXX XXXX, 2016 XXXX {$1900.00} XXXX XXXX, 2016 XXXX {$1900.00} The series of incidents was first detected yesterday, XXXX XXXX. There is a XXXX XXXX XXXX police Theft report, # XXXX, and an FBI complaint, XXXX. It 's obviously quite embarrassing for my mother, but despite that we reported it to the appropriate authorities and are taking additional steps. 

I hope this letter has an impact on someone 's day at Walmart. Feel free to contact me at the address below. 


Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Cc : XXXX Department of Commerce Division of Financial institutions XXXX Consumer Protection Financial Bureau www.consumerfinance.com FBI

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
I have VA loan from M & T Bank. I refinanced it about a year ago. M & T bank held the mortgage for several years before I refinanced with them.The mortgage payments are current.Today I received a letter from my county. It is a NOTICE OF INTENT TO LEVY because they say I owe {$830.00} from XX/XX/XXXX for property taxes. This is the XXXX I 've heard of this. 
I 've been in this house over XXXX years and taxes and insurance have always been escrow-ed for VA loans. I must pay by XX/XX/XXXX or the property will be levied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-26 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I opened this CD account ( along with XXXX additional ) approximately 5 years ago. I now wish to close this account, but M & T Bank is making it impossible. When I opened this account I was adamant that I did not wish to have these accounts renewed automatically, I was told at the time I opened the accounts that it would be not be a problem and it would be noted on the account, this was not true. 
I sent my son to the bank on my behalf, I am XXXX years old with a XXXX XXXX and XXXX, and have XXXX. He was told at the branch that the power of attorney that he possessed was not valid and the institution would only accept their own power of attorney form. 
I feel that M & T Bank uses deceptive methods and is attempting to take advantage of a XXXX and veteran. 
I am attaching a copy of the power of attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
I no longer use my M & T account. I accidentally selected it to pay a bill online and it became overdrawn. M & T did not notify me via email, despite the fact that that has been their standard practice for fraud notifications and updated statement notifications. They deliberately chose not to use that standard form of communication to collect excessive overdraft fees. The bill was due XXXX/XXXX/15 the last time I had checked on the M & T account had been XXXX, and they are showing the bill in question coming out of the account on the XXXX, which is not correct or was outside business hours. I only found out about the overdraft because I could not see where the bill came out of my main bank account on the XXXX. I immediately scheduled a transfer of funds from my main bank account and called M & T they told me that since I was a good customer they would waive the overdraft fees. Despite this conversation which occurred on the XXXX, I was hit with a 5 day extended overdraft fee. I believe that M & T 's deliberate choice to not contact me via email when the overdraft occurred as well as charging me a 5 day overdraft the same day they told me they would waive the overdraft fees amounts to a UDAAP violation for deceptive practices. I would like the 5 day overdraft fee to be waived and for this account to be closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: PA

Complaint narrative:
They had been called at any time and any days including weekends. 
This bills should have been paid by my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NH

Complaint narrative:
an incoming call from XXXX keeps calling me ... .5 times today alone ... to tell me that I am the recipient of a {$9700.00} grant from the US Gov't. They offer XXXX options to receive the money. Transfer to your bank account, transfer to a prepaid debit, or pick up cash in person at any MoneyGram location. They were persistent that I choose XXXX, or secondly a Walmart location??? They gave me a grant confirmation # of XXXX and told me to immediately call the senior accounting manager at XXXX. They also inform you that it takes XXXX to 40 mins to complete this call and transaction to get the money " approved ''. No less than 15 times, they stated that the Gov't wants me to have this grant money and that because it Is a grant, I do not need to pay this money back ... ..I then decided this was getting too fishy and declined their offer. They have since called 3 more times ( I did not answer ) after I was adamant that they place me on a do not call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
There is an unknown item that appeared on my credit file that is brand new reporting for {$270.00}. I have no idea what this is and want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
On XXXX XXXX, XXXX I was contacted by Allied Collection Service regarding a debt with no explanation of what it was for so I disputed the debt right away through certified mail. It is my belief that they never notified the credit bureau 's of my dispute. On XXXX XXXX, XXXX Allied BUSINESS ServiceS contacted me again claiming to validate the debt. Allied COLLECTION GROUP waited until XXXX to report the account to the XXXX major credit bureaus. Upon learning of their false and erroneous reporting I disputed the debt directly with XXXX on XXXX XXXX, XXXX. After waiting 16 days I decided to call and let them know of my intention to sue for violations of the FDCPA, the FCRA and my legally protected interests. That day, XXXX XXXX, XXXX they removed their false and erroneous report. On XXXX XXXX, XXXX Allied Business Services sent me a letter stating they had removed all negative marks on my credit report. On or about XXXX XXXX, XXXX I had applied for a car refinance and was given a higher percentage rate due to their negligence. This has caused me much harm in the form of emotional distress, defamation of character and among other things. They also violated the FCRA and the FDCPA many times over including using XXXX different business names to deceive me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I have extended family in XXXX, XXXX. Currently between bombs and snipers, it is not a safe place to be. Everything is in short supply and utilities are intermittent. The banks have no money. The only way to send money is through moneygram. On XXXX XXXX I sent {$500.00} via moneygram. When my relative went to pick it up, he was told there was a computer glitch. I called moneygram and they told him to have the agent contact them. The agent then told him the money had been returned. I did not keep careful track of dates since I was not expecting a problem, but sometime after XXXX XXXX, money gram informed me that the money had been picked up on XXXX XXXX. My relative did not pick it up and since XXXX a reference number and ID are required, I ca n't see how anyone else could have picked it up. Money Gram opened an investigation. When I call I get the escalation department. No matter how I explain that they either have the money or gave it to the wrong person, and that this is a serious humanitarian crisis because the family needs money to buy food, they continue to give me the same line that they have up to XXXX days to investigate. On Monday I got someone named XXXX to say he would red flag it and call or email me back, but that has never happened. Today someone who also said his name was XXXX put me on hold for XXXX minutes to wait for XXXX, who just repeated that they have up to XXXX days to resolve it. People are going without food thanks to their error! XXXX told me XXXX that they do not have a supervisor, and then that he does not take calls. I am so frustrated! I thought Moneygram was a reputable business, but now I have lost {$500.00} and the family is still without money for food.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
MoneyGram, a money transfer company failed to protect me against fraud transactions. I was contacted by someone claiming to be from the IRS today stating that I owe back taxes and if I do not pay immediately, I will be arrested and detained for 72 hours. The caller was threatening to have me arrested if I do not pay within 40-45 minutes. As such, I made XXXX transactions to names in XXXX, IL through MoneyGram totaling {$5900.00}. I began to realize that this was a scam as I suspected that multiple transfers needed to be made. I called MoneyGram to stop the transactions but they could not refund me the 4 payments since it was already received. They did not have a process where they could have checked the background of the recipient or other preventive measures to avoid consumer fraud. I have complained to MoneyGram but they tell me they can not do anything about it. I am very upset, feel cheated, robbed and scammed. And I believe that MoneyGram is negligent and irresponsible by failing to protect the consumer. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
It appears Citibank is still up to it 's old dirty collection tricks. I used my Best buy credit card used issued by Citibank to make a purchase on XX/XX/XXXX the same day I was supposed to go on an XXXX trip. I discovered the same day that my SIM card would not fit the phone so I went to the trip without the phone. I came back to the US on XX/XX/XXXX and immediately returned the phone and placed an online order for the phone I truly wanted. The phone was shipped out on XX/XX/XXXX and I received on XX/XX/XXXX. In the meantime, Citibank had sent me a billing statement on XX/XX/XXXX for a bill due on XX/XX/XXXX. Since the phone was returned on XX/XX/XXXX, I did not owe them anything for XX/XX/XXXX. The next bill was generated on XX/XX/XXXX with a due date of XX/XX/XXXX. I have been getting phone calls morning, afternoon claiming my account was past due. I was told by the agent that the late fee they so loved to charge would be removed and he apologized the first time I spoke with someone but i keep getting calls as early XXXX and as late as XXXX. This company is terrible. You need to do something about them. While I do realize you have no real power I am lodging my formal compliant once 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 monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JP RECOVERY SERVICES, INC.
State: OH

Complaint narrative:
The automated message they leave in voicemail : " We have an important message from JP Recovery services , Inc . This is a call from a debt collector, please call XXXX. " I do not answer any of their phone calls. The only debt I have is the financing on my car, which I make all payments on time and there are no issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I went to XXXX Kia in XXXX XXXX, VA to find a new vehicle. My vehicle, XXXX Kia Forte financed by NFCU with a balance of {$6800.00} was in an accident and the insurance company delayed payoff. I am pregnant and need transportation. The dealership sold me a XXXX Kia Sorento and told me they would pay off my trade-in and that my total cost out the door would be {$22000.00}. I did not understand what was happening. Navy Federal provided me a blank check that I wrote out for {$22000.00}. I thought the dealership was going to pay off my trade-in as they had stated. The Dealership did not pay it off. The dealership documents did not show the negative equity on the paper work. The dealership wrote up XXXX deals. On XXXX they said they were giving me {$1500.00} as a down payment to help me. On the other they did not have the down payment. On XXXX they indicated that there was no negative equity and the balance due at delivery was {$22000.00}. I recorded the conversation at the dealership where they said what the actually did. I was pre approved for the new car loan by NFCU for up to XXXX. The paperwork from NFCU indicated that my max loan amount could not exceed XXXX and that it would be in addition to the existing loan balance of {$6800.00}. The print from NFCU is really little and it did not make since if the dealership was going to pay off the trade-in in full. The dealership indicated that NFCU would not take checks on NFCU to NFCU loan purchase and trade-ins.

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 2017-02-17 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
My complaint is about Navient and in particular one of their collectors, XXXX. Several years ago my son applied for a student loan in which we cosigned for. He had been making payments until he was injured on the job and was fired. He is presently unemployed. He has tried to make payments, however small, in good faith, but because it 's not the amount they want they have refused them. They have contacted us on a weekly basis for payment, but we are unable to pay. My husband is very ill and we are struggling with our own medical bills and are heavily in debt. I understand it is their job to try to collect but it hit an all time low this week when they started calling my place of work. ( I only work part time because I take care of my husband and take him back and forth to his doctor 's appointments. ) The worse, though, is when I got a call for my boss last night that they somehow got a hold of her private, unpublished home phone number and harassed her XXXX daughter! This has got to stop! I 'm afraid it is going to cost me my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: IN

Complaint narrative:
on my credit report is a collection for EOS CCA XXXX XXXX XXXX XXXX XXXX 2012 {$1600.00}. first I have never received anything from the collection agency and did n't know anything about it until I pulled my credit report. 2. I sent a letter requesting they verify the debt and I still received nothing. 3. I called XXXX and asked them about it. They looked into it and said I did n't have an account with them. I already knew that because I had XXXX before switching to XXXX. 4. I 've have disputed it with the XXXX credit bureaus multiple times and it still shows on XXXX and maybe XXXX ( i have been unable to view it online ). I want it removed it have been more than the 30 days they have had to verify it. and its false information.

Company response to consumer: Closed with explanation