vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-22 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I used to have an account with M and T. Over XXXX years I closed the account and cut up my bank card. XX/XX/XXXX or XX/XX/XXXX I cleared up all my debt which also verified that I had no open accounts or outstanding balance with them. Just today I received a call from them stating that my bank card was used and they wanted to verify that I was the one who used it. This means that the bank reopened my account and issued a new card under my name without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
My debit card was stolen from a restaurant/bar in XXXX and the suspect spent almost {$600.00} before I noticed and cancelled the card. Their purchases also caused my account to go negative. M & T credit the money back to me and now after their investigation they advised they are taking the money back out my account on XXXX. After. Multiple calls and associated they told me it was denied because suspects do n't usually steal cards and go use them at gas stations and car washes and XXXX XXXX Department store. I asked multiple times to speak to someone who could help me and there has to be some way I can fight this because if a proper investigation was done, it would show it was n't me using the card. I work hard for my income and am a single mother of twins. Taking this money from me was devestatipng enough to have to work with for the two weeks it took them to refund it and now to take it again is wrong. This is my hard earned money. I 've been a customer for years with that bank and have never been through this before. The fact that XXXX different reps just all said well it is what it is without any real help is not right. To say that the area where the card was used are places I have used before as a reason to deny is not acceptable. Of course when a card is stolen from the area you live in they 're going to use it at the same places. XXXX is not that big! The fact that I 've been in tears for two days and have had to repeat my story repeatedly to the different reps who all say the same thing " sorry claim was denied there 's nothing else to do '' is so demeaning. This money being taken means either my children wo n't eat or our rent will not get paid. I just do n't understand how a company that prides themself on customer service could treat me this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Atlantic Credit & Finance, Inc.
State: NE

Complaint narrative:
They have somehow contacted my mother although she has no connection to this debt and harrassed her calling multiple times per hour. I called them back, they were looking for another name other than my own and I told them to not use this number again to contact me and they told me they would n't and called me an " XXXX ''. The person on the other line is called " XXXX '' and she is extremely unprofessional, rude, lewd, and harrassing. I am being called multiple times per day starting XXXX XXXX up through today XXXX XXXX thus far.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I had a checking and savings account with M & T bank in XXXX. My account experienced some overdraft due to how M & T was posting ACH 's and due an unauthorized merchant charge in which an investigation was launched and M & T was sent correspondence that the charge was in fact not authorized by me. I have tried on multiple occasions to no avail to rectify this negative balance M & T says I owe to them of {$230.00} in overdraft fees. They have told me that there is nothing they can do I have to pay the money. I do n't owe this money no XXXX will help they will not allow me to speak to a manager. I need assistance in getting this account cleared. I received a refund check from M & T bank last year for another account due to a lawsuit so I do n't understand why they would issue me a refund but will not handle the issues with this account. Its very unsettling that no one at M & T will do anything to help me and they have acknowledged on several occasions that they received the correspondence from the merchant and that at the time the way my items were being posted was incorrect. Its just ridiculous how much the ball has been dropped on my account even at the branch I went to see a branch manager in XXXX XXXX, MD and she was going to work on this for me and never got back to me I called her for weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 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: CA

Complaint narrative:
I settled the debt and needed the balance to be XXXX on my credit report so I can gain security clearance for my employment. I paid the as debt off on XXXX/XXXX/2016 and received a letter outlining the settlement. My employer pulled my credit on XXXX/XXXX/2016 and I now show a balance past due of {$82.00}. This is the difference of the settlement and the original amount. Portfolio Recovery mislead me, provided false information to the credit agency and used deceptive practices to collect more money. In the screen shot of my credit report for this account dated XXXX/XXXX/2016, Portfolio Recovery undated my credit report with the balance and shows XX/XX/2016 as the date for the update after I made the agreed upon payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: M&T BANK CORPORATION
State: MI

Complaint narrative:
I was debt free with a paid for house when I got married. My wife 's name never appeared on the deed to the house. Yet she fraudulently obtained a {$97000.00} loan from XXXX XXXX XXXX in 2007 by forging my name on the mortgage application. The notary seal is n't even on the same page as the signatures. I am currently making {$780.00} payments to M & T Bank. 
My wife took out several credit cards in my name and opened an account at a big box store. She also removed {$21000.00} from her XXXX retirement account without my required signature. In total she stole {$250000.00}. She was charged with identity theft and XXXX counts of credit card fraud. She pleaded guilty of identity theft and the other charges were dropped. In total she was ordered to pay me {$5000.00}. 
My divorce lawyer called me a liar concerning the mortgage fraud and continually told me to shut up and stop whining. I do not have the money for an appeal. I have filed a complaint with the Attorney Grievance Commission of Michigan but I am not optimistic on that course of action. 
Recently M & T Bank contacted me to offer a reduced mortgage rate loan to lower the 7.75 % I am currently paying. Then they told me that they could n't give me a loan because my credit is so terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Herbert P. Sears Co., Inc.
State: AZ

Complaint narrative:
XXXX XXXX was paid in full years ago. My insurance covered most of the amount and I paid the rest. I have cancelled checks to prove it. 

Last year they sold the amount I had already paid to a collection agency. I disputed it and it was removed from the credit reports. Now, today I am notified that they have sold the same amount to another Collection agency. My credit score dropped over XXXX points in one day. 

This affects my interest rates. Do I need an attorney? It can take months to resolve this and I will be paying higher interest until it is solved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On M & T Bank 's official website, it was offering a {$150.00} bonus when you open a MyChoice Checking account by XXXX XXXX, 2015. Since this is a public offer so there is no mailer required to open an account. I opened my account on XXXX,2015 and also set up the direct deposit with amount of {$100.00} to satisfy this bonus requirement. I sent a message to M & T bank online customer service to check my bonus status on XXXX XXXX, 2015. M & T bank 's CS confirmed that I am qualified for the bonus and all I need to do is wait for 90 days after the initial direct deposit which was XXXX,2015. 

I waited to XXXX XXXX, 2015 and I did not see any bonus on my account. Therefore, I messaged M & T bank CS again. To my surprise, the CS declined my request by saying I am not qualified and I need to have a mailer with the bonus to bring to a branch to verify my status. M & T bank always puts up this type of promotion on its official website and no mailer is required to open on account online. For example, if you go to XXXX, you can see the current promotion they are running. NO mailer is required. 

I strongly believe the customer service from M & T bank was lying to its customer and tried to avoid fulfilling the promise they made to award the bonus. I have attached the confirmation message sent from M & T confirming that I am qualified for the ongoing bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-14 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO

Complaint narrative:
Moneygram refused to refund me for the money that was NOT collected by my family over a year ago. I have n't gotten anything from then for almost 3 weeks of complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I fell behind in my FHA mortgage due to unemployment and could not afford to make payments since XXXX XXXX. My servicer, M & T Bank, refused to accept partial/late payments so the missed payments continued to accrue. 
On XXXX XXXX, XXXX they sent me a letter saying I qualified for their special unemployment forbearance program. The requirements were as followed : - Sign the agreement - Pay {$25.00} due XXXX/XXXX/XXXX -Pay the total arrears, {$11000.00} to bring my account current on XXXX/XXXX/XXXX I signed the agreement and paid the {$25.00} forbearance payment in late XXXX XXXX, well before the XX/XX/XXXX deadline. 
I sent a certified check with a tracking number on XXXX/XXXX/XXXX for the rest of the money, {$11000.00}. My tracking number reports they received the check on XXXX/XXXX/XXXX. I called the bank on XX/XX/XXXX to let them know that the check was coming. At this time they told me that my home was already sent back to the foreclosure attorneys, it has a sale date of XXXX XXXX, XXXX and I would owe a new amount of {$11000.00} due by XXXX/XXXX/XXXX. 

I complained that my home should not have been sent to foreclosure before the XX/XX/XXXX date because I was still doing the forbearance plan and I followed through on the agreement to pay the {$11000.00} on time. They said they had the right to send my house back to foreclosure because I was late on my mortgage payments since I first fell behind in XXXX XXXX. I called them back today to inquire again and they said they rejected my check and sent it back to me on XXXX XXXX, XXXX. I am still waiting for the check in the mail, but I wanted to be caught up because I could resume monthly payments in XXXX XXXX if only they 'd honored their word and accepted the {$11000.00}. 
What is the point of any program if they can change the amount I owe right before it 's due and put my house into foreclosure even while I 'm participating in the program? This feels so unfair because I did what I agreed to do and worked very hard to catch up. It feels like they want to force me to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
Portfolio Recovery Services called my home this XXXX before XXXXI had left the houseMy ( soon to be ) ex husband ( we are still legally married ) answered the phonethe Caller Identified herself as XXXX XXXX from Portfolio Recovery Services and asked my husband who he was, he answered " her Husband '' the debt is in my name only but she then proceeded to share all the information about the debt with him ... .. 
the account number - who it was owed to and the amountHe then texted me immediately and I called him - he had written all the info down and said she was more than happy to share all the info with him about the debtthis is a prohibited practice by Portfolio Recovery Services

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-12 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: MI

Complaint narrative:
I became aware that Portfolio had multiple entries on my credit report. I initiated a dispute via the CRA and received a form letter with a dollar amount and name of original creditor. I wrote back and referenced Michigan Fair Debt Collection Act Sec 918 which states that Collectors must furnish : Verification of the debt or any disputed portion of the debt shall include the number and amount of previously made payments and the name and address of the original creditor, if different from the current creditor, or a copy of the judgment against the debtor. 

As I was not notified that Porfolio assumed this alleged debt and only became aware of this claim through a review of my CR I requested the information that is to be furnished to me under Michigan Law ... specifically the number of payments and statements from the Original Creditor. In response to my request Portfolio has indicated that it feels that it has furnished the information ( form letter with amount owed ) and has stated that it will not investigate further and will not send any additional information. Portfolio further states that it will not consider any future requests and considers the matter closed. As Portfolio refuses to provide me with the information requested I am forced to file this complaint rather than trying to resolve it with them. Assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
Hello : This is in regard to Portfolio Recovery. They claim, and have entered on my credit report, I owe them and/or XXXX XXXX, {$1400.00}. 

I believe this to be false, as I 've had many accounts with XXXX XXXX, and have paid them in full. Also, a date of XXXX delinquency of XX/XX/2008, which I 'm sure is wrong. 

Therefore, I 'm requesting validation of this account. Including but not limited to, a signed contractual agreement, with my signature, indicating my intent to pay this alleged account, plus proof of last payment date. In order to ensure true validation of last payment date, they are to include amount and bank on which last payment was drawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 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: TN

Complaint narrative:
I have advice Portfolio Recovery that I have never had a XXXX account and request that validation be provided showing proof of my signature, Portfolio Recovery ca n't provide the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
We purchased a Lexus in XX/XX/XXXX with XXXX miles allowed on a 2 year lease. XX/XX/XXXX, my family encountered a hardship which we realized that we would need to use the car more than anticipated. We walked into the Lexus dealership and spoke with a financial rep. We explained our situation and asked if it would be possible to purchase extra miles or negotiate the contract. The rep told us that it will be possible to purchase more milage and to continue driving the car. So we drove the car and are now at XXXX miles. I called Lexus financial and was advised that buying milage was not possible and that there is nothing they can do to help. I attempted to speak to a supervisor and was hung up on 3 times attempting to be transferred. The last rep stated that they have been having trouble with their phone lines and the last rep XXXX had notated that the line had hung up. I am still waiting for a supervisor to call back. I understand we had a contract but we would have never gone over our miles if we had known that buying milage was not an option. I keep telling Lexus that I want to buy another Lexus and would like them to work with us with the overage on the milage. All they say is that we do n't have the capability to negotiate anything. I cant believe how they treat their loyal customers. I really want to purchase another Lexus since my lease is up in XX/XX/XXXX but if were being lied to about our options and playing the he said she said game then i will never step foot into another Lexus dealership. This is fraud and misrepresentation. Please help us negotiate our overage, I am a XXXX and do not have the money to afford what has happened. I am willing to pay half and get this nightmare over with. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have been for many months receiving multiple calls daily ( without any message being left ) from a company that identifies itself as Portfolio Recovery on my answering machine. I have not spoken to them, but after checking the Internet for information about this company, I learned they are supposed to be a debt collection company. I am quite sure I have no outstanding debts, but nevertheless prefer not to engage a robocalling agent over this matter. If this were a legitimate claim against me, I believe the company, or its attorneys, would have contacted me in writing. Instead, they choose to harass me at all hours of the day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-21 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: TX

Complaint narrative:
I requested debt validation per Texas Finance Code Section 392.202 which requires a debt collection agencyor credit bureau to provide the alleged debtor with specific information concerning their debt. 

They received by request via certified mail on XXXX and as of today, XXXX, I have not received any response from them. 

According to Texas Finance Code 392.202 ( b ) ( 2 ) the this debt collector had XXXX days to respond to my request and they have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Company says they are Portfolio Recovery and calling me at work about a debt I am not familiar with. Continues to call after I requested they not call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: GA

Complaint narrative:
I have received numerous phone calls from Portfolio Recovery Associates over several weeks. I spoke to them once and found they are seeking payment for a credit card balance due. I have no such debt and told them so. They continue to call, but I do not answer. I know there is another person with the same name as me living nearby. I hope you can resolve this issue on my behalf as they did not listen to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JAMES B. NUTTER & COMPANY
State: HI

Complaint narrative:
I am the authorized representative for XXXX XXXX. XXXX XXXX is the consumer who they say owes the alleged debt. 
XXXX XXXX, XXXX first communication was an introduction of who she was, her appointment, threat that she would be taking my mother 's property to sell, threat that if I do not agree with holding open house she would seek permission from a court to sell my property, threaten if I do not agree with her demands the house would be sold at a lesser price because of my non compliance and last she urged me to call her if I did n't want those things to happen. 
On or about XX/XX/XXXXI did call her to ask her what she was doing, she said another debt collector had all the right to foreclose on the property. I told her I did not agree with her open house. She threaten me again and said I will get a court order to sell your house without open house. I told her she had no right. 
XX/XX/XXXXI sent dispute letter, irs, and copy of rescission no response. 
Second communication from debt collector, court order allowing sell of property without open house. 

XXXX XXXX, XXXX sent cease and desist letter. 
XXXX XXXX, XXXX Third communication from debt collector, commissioner 's fact sheet. 
XXXX XXXX, XXXX and XXXX XXXX XXXX. Foreclosure notices with private information advertised in the media.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
I have been contacted multiple times via Phone and email during work hours after instructing many times to not call me during business hours. I have been contacted from XXXX through XXXX by this company who has no regard when people are working. I no longer have the car, have advised more than once that the car has been traded in, only to be harassed via email and constant calls through out the day by this horrible business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation