vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
Hello, I opened my account with M & T Bank on XXXX XXXX. I have a mortgage with this company as well. I went to a trip to XXXX XXXX recently and use the app " XXXX '' I did not know that I had linked my M & T Bank to the app, and I used the service. I thought I was paying from my XXXX XXXX account. They online banking website had been down for a while so I could not check my balance for M & T bank. When I checked on XX/XX/XXXX, my account had a overdraft balance of {$370.00}. I am being charge XXXX ( so far no sure if they will assets more fees ) overdraft fees at {$38.00} each for transactions as small as {$3.00} the largest {$8.00}. As of today ( XX/XX/XXXX ), I have not received a notice of overdraft. When I opened the account online, I was not ask if I wanted to " opt-in '' to overdraft services. I called M & T Bank to ask for an explanation and for refund of the over {$300.00} dollars in fees I am being charged on fees alone in the meter of 3 days for transactions the added up to {$60.00} dollars. The customer service rep said that there is nothing they can do and that I have to pay the fees. This is a violation of the " H.R. 1261 Overdraft Protection Act of 2013 '' approved by the 113th congress. Specially, SEC 4 " 140B.secition ( i ) OVERDRAFT COVERAGE LIMITS - I should not be charged more than one overdraft fee a month and no more than 6. Also, " the amount of any overdraft coverage fee that a depository institution may assess for paying a transaction shall be reasonable and proportional to the amount of the overdraft '' M & T bank is essentially trying to steal my money by charging me all of this unfair fees and in violation of the " Overdraft Protection Act of 2013 '' Please any help you can provide will be appreciated. I am not willing to pay the abusing and excessive fees that M & T bank is trying to make me pay. 
Thank you and please let me know if you have any questions

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: MO

Complaint narrative:
On XXXX XXXX, 2016, I sent by certified mail/return receipt requested a request for information of the identity, address and other relevant contact information about the owner of my mortgage loan. The certified main was delivered to M & T Bank on XXXX XXXX, 2016. M & T Bank acknowledged receipt of my information request on XXXX XXXX, 2016. I have not received a response to my XXXX XXXX, 2016 request for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO

Complaint narrative:
DO NOT USE MONEYGRAM. I sent XXXX to CA to a friend. I had the transaction go to review on a very time sensitive transfer even though I was told the transaction went through and the money was available. I had to answer 20 minutes of interrogation questions to finally get the transaction approved. This was MoneyGram. I voiced my concerns. My friend had to send the money back and again was told it went through but instead went to review. I found this out when I tried to get the money. I called 3 times, she called twice and was told that the transaction was in review and she had to return to the same Walmart for unknown reason. Worse consumer service I have ever worked with. Suspect they capture a lot of people 's money and never release it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I had a boat loan with M & T bank and was making on time payments. I received a letter from them stating the loan had matured XX/XX/XXXX and I owed a Principle balance of XXXX and late payments of about {$2700.00}. They never sent me anything previously and I was making on time payments at the time payments that they were stealing them and putting towards the late payments. Because they stated I could no longer make payments, I had to pay the balance off. This caused the 60 delinquency which shows on my credit report for XX/XX/XXXX and XX/XX/XXXX. Further, they refused to let me pay off the principle of {$820.00}, stating they would take nothing but the full amount, principle and late fee, which I had disputed several times and do not agree with. They forced me to make a deal to pay off the principle and half the late fee or else they would continue to report this as delinquent every month. Again, I was making on time payments and have no idea how they could say the loan matured and force me to pay not only the principle but late fees I do not believe I owe.Please find the bill they sent me XX/XX/XXXX which only had the principle on it and find the release which is dated in XX/XX/XXXX, but they state I made no payment that month even though I paid them {$2100.00}, much of it that I do not feel I owed. I only paid it because they threatened me with continuing late payment charges, late payment reporting to the credit bureaus and then repossessing the boat. All threats they made to me and told me my only option was to settle the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
validation of debt-Ask for cease and desist of phone calls. Have kept records of calls. Continue to call on daily basis. Have explained husband is on XXXX and I am on Soc. Sec. Only income. have XXXX XXXX. Unable to work. They will not send a validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 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: NV

Complaint narrative:
Portfolio Recovery Associates has been calling me constantly on XXXX different phone numbers, maybe other numbers as well as my phone never stops ringing. I 've called all XXXX numbers back asking why they keep calling me. They want my name which I wo n't give them. I ask them who they are calling and the woman was very nasty and would not give me a name. She said she had to have my name. I know for a fact that I have nothing in collections and asked again why she was contacting me. She would not give me the name, she kept asking for my name. This company has been calling for months, several times a day. I do n't understand how they can call me and not tell me who they want to talk to. This is my house. I am tired of all the phone calls, they are harassing me and it has nothing to do with me. I never received any kind of letter in the mail regarding collections. I want this stop and do n't know how to get them to stop calling. I had another debt collector who continually called me. When I called them back asking why the calls they said they were looking for someone with the same last name as mine, however no one by that name lived here. They said they would stop calling. I ca n't believe debt collectors are allowed to contact people with the same last name on a constant basis and not even know they live there or not. Could you please assist me with stopping these phone calls. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I went on XXXX and found that XXXX, XXXX XXXX, is also Portfolio Recovery which ALSO calls XXXX a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
o My wife opened this account over 15 years ago when we lived in the XXXX area and I was working XXXX jobs. 
o We moved back home to XXXX, Texas in XX/XX/XXXX when the company I was working for let all the XXXX go & bought a XXXX. 
o I XXXX for 8 years until I had a XXXX XXXX and was forced to retire. 
o My wife XXXX has XXXX, o I have XXXX. 
o We both take many medications and I can no longer work so I can no longer make payments. 
o For the last several years we had this account we paid {$200.00} to {$250.00} dollars each month and regardless of many calls XXXX XXXX refused to apply any part of the payment to the principle. 
o We are XXXX years old and own no property or vehicles. 
o We are constantly being harassed by Port Folio Recovery both on my Home Phone and my Cell Phone I have repeatedly asked them to stop calling as we will never have any funds to make additional payments on this account. 
XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
This inquiry/complaint is to Wells Fargo. XX/XX/XXXX, my husband began a reverse mortgage loan with your company. At the time, he was in his seventies, and no one ever explained to him that he would be responsible for paying the annual property taxes and insurance : as a result, these fees were paid by Wells Fargo. He passed away XX/XX/XXXX, but XX/XX/XXXX, I became eligible, by age, to take advantage of the non-borrowing spousal law. When I was told about the payments made by your company ( XX/XX/XXXX ), I offered to pay the amount due, but was told " hold '' my payment until I was notified. I was notified XX/XX/XXXX -but I was notified that my home would be sold at foreclosure on XX/XX/XXXX. On XX/XX/XXXX, I was informed that XXXX now owned my home, and I have been trying to negotiate ( unsuccessfuly ) with them for a equitablbe solution. At present, I am expected to vacate the home by XX/XX/XXXX. I am a XXXX year old widow with XXXX and XXXX and I have no family and nowhere to go. Please re-consider and 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 2015-08-21 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TriVerity, Inc.
State: NY

Complaint narrative:
I am filing this complaint against CU Recovery Inc. because of their lack of reply to my debt validation letter. Dating from XX/XX/XXXX to recently I have been trying to negotiate a settlement to payoff my debt with CU Recovery, originally from XXXX XXXX XXXX. After several attempts to do so, I began to worry that they were scamming me or that they were stalling progress in order to add fees to increase the original debt. On or about the week of XX/XX/XXXX, I contacted XXXX XXXX XXXX ( the original creditor ) to ask them to validate my debt, they refused to talk to me in XXXX attempts, instructing me to make all contacts with CU Recovery Inc. I was then in contact with the collection agency ( CU Recovery Inc. ) and sent the attached debt validation letter on XX/XX/XXXX via US Postal Service Certified Mail ( ATTACHED ). The collection agency received the letter on XX/XX/XXXX but has not responded to my request for original documents and have since stopped contacting me. 

I am concerned that CU Recovery Inc. is not a legal entity or that it is trying to stall the process to settled in order to hike fees and other interests, specially since they have not responded to my debt validation request claims and the amount they say I owe does not reflect the amount reported in my credit report by XXXX XXXX XXXX this month. 

According to the Fair Debt collection Practices Act ( FDCPA ( section 1692g ) and XXXX Administrative Code ( section XXXX ) the agency should verify my debt and send me the following, in writing, within XXXX days of receiving my letter ( it has been over XXXX days now ) : proof of my agreement to pay the original creditor, a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, showing principal, interest and other charges and for all other charges, the date of and basis for each charge. Please help me obtain this information that is due to me by law from the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have continuously received several phone calls from Portofilo Recovery in regards to my XXXX XXXX credit cards. I have been unemployed since XXXX 2014. I receive no income. No employment. I currently reside with someone. I have made several efforts in retrieving employment by going on interviews and applying for jobs daily. XXXX XXXX can vouch for me when I say before my unemployment I was paying my credit card faithfully. Each time this agency contacts me I have to tell them each time nothing has yet to change with my income. I am then being asked can I borrow them money, am I married so that my spouse can help me pay out the money. Do I own or rent. I HAVE NO INCOME! While it is not my intentions to allow my debt to go unpaid at this current time I am unable to pay it. Once I am established it is my goal and duty to pay off my debts. It 's becoming a bit to much to receive calls as frequent as I do. Limit the calls some to at least once a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NOVA Financial & Investment Corporation
State: AZ

Complaint narrative:
XXXXXXXX XXXX of NOVA Home loans is running this ad. It 's steering. Any house is eligible for a {$0.00} down through Home plus program or Home in XXXX. He is steering people to that particular website saying that all those homes are eligible for {$0.00} down which is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio continues to call my home. The calls are generated from various areas the United States, causing my telephone to ring continuously and repeatedly with the intent to annoy, abuse, or harass any person who answers the telephone at my home. Portfolio, thru a 3 year period, has made no less that 3000 phone calls to my residence. There are XXXX XXXX people living in our home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Portfolio Recovery Associates , LLC sent me a collection notice XX/XX/XXXX on an account they purchased from XXXX XXXX. I then requested verification of this account due to the fact that over the past couple of years I have had XXXX previous groups attempt to collect on this same account, which I attempted verification, and neither company was able to provide verification on this debt. I explained to both of these companies I did not have a problem paying for my debts but I did go through a horrible financial divorce in which an ex husband frequently charged on several accounts in my name, and several years after the divorce I am still finding accounts in which I owe. If one were to view my credit report, there are no accounts in jeopardy except those from several years ago. Portfolio Recovery Responded with a letter stating they would verify this account within 90 days which is not satisfactory. During the 90 days, I was sent a collection notice from them requesting payment without verification and the payments or balance was due on the account by XX/XX/XXXX, which is in violation. I then received a verification from them on XX/XX/2016 which only included a few copied statements from the account but none of the other information requested. I then in return submitted another request for verification via certified mail dtd XX/XX/XXXX ( certified mail rcpt number XXXX ). On XX/XX/2016 I received a letter which I have enclosed from Portfolio Recovery Associates Dtd XX/XX/2016 requesting payment no later than XX/XX/2016 also stating account has been transferred to litigation WITHOUT providing proper verification once again!! This is ridiculous and I have dealt with this company on another occasion and the same thing happened. I have asked for items to verify the account and they have not been provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Account currently being reported to credit bureaus and I have yet to receive information regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Have made previous complaints regarding Portfolio Recovery. 
They received cease & desist order XXXX/XXXX/16. They violated order twice. Today call I missed ans. machine picked up, hang up. 
I called the # back, Phone answered " Thank you for calling Portfolio Recovery, this is an attempt to collect a debt ... an operator will be with you shortly ... '' Spoke with a person named XXXX, advised her that I was recording the call, She informed me that she had no record of my name & ask if I was sure that that this was the phone that I received the call on? She stated that perhaps they were trying to contact someone else ( that is their tactic ) they always ask for someone other than myself ) I informed her that this was the 2nd violation since cease & desist order was in place & to take me off their list, also that I would file report w/ CFPB. Have also filed complaint w/ " Do Not Call Registry '' Since they have no record of me, it is not a debt collect. This is Phone harassment that must not continue! I keep a phone log of my calls & have a sound file of last conversation. The # I was called from was XXXX. Reporting these violations alone does not seem capable of stopping them, they are breaking the law not only w/ me but other consumers across the US ? Stronger enforcement is needed. I plan to seek an attorney to represent me in this matter. Here I am again one more complaint filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Associates LLC., Had received a default judgment for {$1500.00} on an old XXXX credit card that was sold to XXXX XXXX XXXX. XXXX XXXX XXXX reported the debt as in good standings with a {$0.00} dollar balance on my reports. Portfolio Recovery Associates refuses to acknowledge or validate that this debt was paid. They have a detrimental default judgment listed on my reports as well as a balanced owed listing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 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: CA

Complaint narrative:
I do n't know who portfolio record is, I ca n't find anything about it regarding debt or where it came from. This is really hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
False representation and information given. Did not received verification or notice of right before paid to both account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-04 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: CA

Complaint narrative:
Portfolio Recovery continually calls my home number. I have informed them repeatedly that the debt they are pursuing is not my debt. I have informed them that the last XXXX SSN # digits and the birthdate they have on record of the alleged debtor is not mine. I have a common surname and first name. I have given Portfolio Recovery express orders to not contact me yet they continue to do so. They will not answer query 's from me about who they are and why the still call my home number. I do n't know if Portfolio Recovery is even their legitimate business name. It is the name that displays on caller ID. They are rude and uncooperative. Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Good morning, I have been back and forth with this debt collector asking them to please stop harrasing me with this debt that is not mine. I asked them to please submit and validate that the debt is mine and till this day they have n't. I asked them to please remove it from my credit report and they still have n't. I explained to them that I had a problem with another account with XXXX XXXX. Someone was using my information and opened an account. Thank XXXX I noticed and had it removed and closed. I have attached a letter of what I received. I know it doesnt have to do with this particular company, but I wanted to let you guys know that I have been having problems with my identity being falsely used.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 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: FL

Complaint narrative:
Consumer disputed debt and requested proof to validate alleged debt ( Collector to provide original creditor 's contract with consumer 's signature ). Collector 's response was a statement of bill.

Company response to consumer: Closed with explanation