vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC
State: MD

Complaint narrative:
XXXX XXXX continues to report XXXX collection accounts from a XXXX XXXX that are not my accounts. I contacted a number that is listed for a XXXX XXXX on the internet and was unable to confirm that there are no accounts of this nature existing due to the faulty contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ

Complaint narrative:
I was a victim of internet and money-gram fraud. This scam Artist posed as an out of town homeowner with home for rent in XXXX, Arizona. He had a XXXX profile as well as a XXXX profile. I first contacted " XXXX XXXX XXXX '' on XXXX XXXX, 2015 @ XXXX via text message, stating that I saw his listing for a XXXXbdrm home. He responding back via text asking me to go by the home and see if i like the location. XXXX XXXX then confirmed my email address and emailed me an application on XXXX XXXX, @ XXXX. we continued to emailed correspondence back and forth until he had all of my information needed to rent. We also had been texting and and having phone conversations as well. on XXXX/XXXX/2015 I decided I was going to put down a deposit to hold the house until I received my paperwork to move forward. I made a hasty decision due to not wanting to run out of time. Plus I thought the house was lovely and it was centrally located. I put the deposit of {$400.00}, sent by money-gram on XXXX/XXXX/2015 @ XXXX. The customer service representative asked my for my social security number and my drivers license and a current bill with current address and stated that was normal protocol. I then started to feel like I made a mistake, something was just not quite right. By the time I made it home and did a little research, almost an hour had passed. I then called Money-gram to flag this person which he had already picked up the money and It was too late for me to intercept payment. they stated that He would be flagged in all of money-gram and national database.I then kept in touch with this person and his 'Attorney '' XXXX XXXX XXXX for another 2 days until the contact ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
My mother is a victim of financial fraud. 
Someone contacted her via XXXX and managed her into sending {$1000.00} to XXXX. 

My complaint that Moneygram service ( located at XXXX store ) actually helped the fraud to happened. The elderly person ( she is XXXX ) walks in to the store ( and she does not look like she owns a fortune ), and send {$1000.00} cash to someone in XXXX. And she is from XXXX and obviously does not have any relatives in XXXX. Please review the practices and policies that Moneygram uses when they deal with an elderly persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: The Law Offices of Barry J. Gammons, PLLC
State: TN

Complaint narrative:
debt was in dispute, but still passed to another debt collector, who advanced to file an illegal action

Company response to consumer: Closed
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
Issues wereXXXX. M & T Bank requested our credit report without our approval. 
XXXX. M & T Bank dispersed out property tax payment on XXXX XXXX, 2015, however the did not actually pay our taxes to the XXXX XXXX County Tax Assessor. Eventually we were able to have them pull our payment from their pending wire transfer and refund us. They did not pay us interest until we complained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DataMax Corporation
State: NC

Complaint narrative:
Interstate Credit Collections was sent a debt validation request letter and in it I requested the information which is allowed by FCRA and FDCPA. The info they sent me was a barely legible print out copy of a statement which did not even have their company name on it. This company claims I owe them money and they have been falsely reporting this on my credit files with the XXXX major bureaus. I have always sent my correspondences to them certified mail return receipt request but they have yet to provide me with any debt validation but then the company verifies with the credit bureaus, but not me. Not to mention the paper copies they have in their posession list my entire medical history, diagnosis and treatments which is a violation of my HIPAA rights. I never gave Interstate credit collections authorization to have access to my medical history. They are a collection agency that I did not sign a contract to do business with. They claim I am using a credit clinic and they are not going to put up with any more of my requests but I am not using a credit clinic and they are refusing to validate the requests I sent them, Under the law if the collection agency can not validate then the negative information needs to be deleted immediately. They are reporting un-validated false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
On XXXX, I was speaking to a young lady by the name ofXXXX XXXX about a business venture where I would pay her {$50.00} to get started and she would " run '' some numbers and send the profit back to me. This conversation happened Thursday of last week and I ended up sending {$50.00} to her by XXXX XXXX on XXXX/XXXX/2015. Then I got several calls and texts from someone name XXXX XXXX and when i tried to call XXXX back, no answer. Every since then this XXXX XXXX has taken over stating that XXXX did n't complete the transaction correctly. Yesterday I ended up having to send anther {$50.00} to XXXX XXXX by MoneyGram and still no profit. I called last night and today asking and demanding my money and his response was " these NUTS. " I just want my {$110.00} ( Money sent plus fees )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
I used a trusted web page. XXXX and verified the information obtained with a consultant, them proceded to contact XXXX XXXX XXXX XXXX acting landlord of a house on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He asked me some questions and send me an e-mail then I sent to see the property and contacted trought text message. Then I sent him a money gram as a deposit to the house and he sent me the lease. Today I received the call saying I was a victim of a scam. I called money gram customer service to stop the payment and They put me on hold while Been on hold the money was picked up. After i learned that i asked the costumer representative to help me put a fraud and scam complaint. He said I needed to call the police in XXXX and the police said i needed to call the police in XXXX XXXX XXXX. The police in XXXX XXXX said i needed to get information from money gram on the pick up store, id address, birthday, expiration date. Money gram refused to dscolose information and said the police needed to call them and ask for that information. Besides that i had a security question/anwser inlace for anyone picking up this payment which i never shared with XXXX XXXX XXXX the person Who picked up the money gram

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
My name is XXXX XXXX earlier this year I filed a complaint against M & T Bank CFPB Case No. XXXX, my request was denied because the Bank said I never sent documentation supporting my refund request, in email I will prove I submitted proof not once but " twice '' to XXXX XXXX email address XXXXXXXXXXXX. Attached is copies of XXXX emails sent to XXXX XXXX employee of M & T Bank in XXXX XXXX Maryland email address XXXXXXXXXXXX on XXXX XXXX, XXXX @ XXXX and again at XXXX on the same day. Based on the fact that I did send in proof of me informing XXXX XXXX over and over again that I was being over charged and also asking them over and over again for my refund in writing, meets the requirements that you asked me to submit to you in your letter dated to me XXXX XXXX, XXXX. Therefore, I would like a full refund of my previous request to all fees put back into my account effective immediately. 
Thank you!

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 2015-08-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
The owner of XXXX XXXX XXXX XXXX offered a XXXX month membership for the cost of XXXX months if paid in full. I paid the amount on XXXX XXXX, 2015. The owner closed the business on XXXX XXXX, 2015. I disputed half the amount with my credit card company since I was only able to use the gym for less than XXXX months, being that the owner was in breech of contract of the XXXX month deal. I feel I was deceptively charged since owner knew he was closing gym in XXXX months time as evidenced by the realty company filing an eviction suit against him for non-payment of rent, and settling with him on XXXX XXXX, 2015. My membership was cancelled and I was then sent to collections XXXX week after the gym closed for triple the amount I disputed with my credit card, which is still being investigated. The owner has done the same thing to many other members of the XXXX XXXX gym, and XXXX other gyms he has abruptly closed in the past year. I 've also received immature, nasty emails, texts and messages on social media from the owner. My credit card company recently called me and informed me that the owner rebutted my dispute by saying he was still open for business and I cancelled my membership. I have to now prove that he is indeed out of business to my credit card company. I have several letters proving that XXXX XXXX XXXX XXXX is closed and has been since XXXX XXXX, 2015. Also, new memberships were sold to people after the settlement date with the realty company on XXXX XXXX, 2015, which is fraud since he knew he 'd be closing the gym on XXXX XXXX, 2015, permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
" double tagged '' on my credit report ... .Collection Associates has XXXX collection accounts listed on my credit report, all of which I owe and I am paying, the " public record '' on my credit report is the same XXXX collection accounts that are listed, and undisputed. That is double reporting, and totally should not be legal. The XXXX collection accounts should be removed, as the public record can not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
I was a victim of fraud. Was leasing a home through XXXX. I sent a deposit of {$100.00} to the person leasing the home but the more I verified the more I realized he was a fake person. Moneygram needs to have better verification and require IDs. I lost {$100.00} to this person who listed a home on XXXX. The address is XXXX XXXX XXXX. XXXX, WA. The man claimed to be named XXXX XXXX. His phone number is XXXX. The man says he lives in XXXX and was renting out his home. But the home is not his from what I can tell.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Dear Sir/Madam : Loan # XXXX I am asking for your assistance with resolving multiple issues with M & T Bank. The attached letter to M & T bank lists the issues that remain unresolved despite several attempts to resolve them with M & T bank and XXXX Mortgage services who is the mortgage service company. 

The loan defaulted and foreclosure proceedings was stopped when a modification agreement was offered by XXXX and was accepted and successfully completed. Now M & T Bank is not honoring the modification agreement monthly payment amount. M & T has suddenly increased the monthly payments from {$3100.00} to {$5200.00}. Also, I believe that M & T bank is not deducting the legal and other fees discharged in my bankruptcy discharge obtained on XX/XX/2015. 

Your assistance will be greatly appreciated in resolving these issues with M & T Bank and hence saving my home.

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 2016-06-20 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION
State: DC

Complaint narrative:
On XXXX/XXXX/16 my bag was stolen containing all of my bank cards as well as my ID. I filed a police report with the XXXX XXXX police Dept. in XXXX. On XXXX/XXXX/16 in filed a claim with M and T bank making them aware of a number of fraudulent charges which had placed my account into a negative balance ( XXXX ). After several days I inquired with M and T Banks Dispute Claims Dept. and they informed me that the claims were denied. I asked the phone representative why they were denying the claim and they said I needed to write, sign and submit a statement saying that I did not make nor was I aware of the charges stated in the complaint. I immediately yet still the claim is being denied. In the interim my direct deposit from my employer went into the account which was immediately consumed by the existing negative balance. M and T did initially issue a credit for XXXX of credit card transactions however the bulk of the charges were ATM cash withdrawals. My PIN was not on the card however all my cards use the same PIN. Any review of the ATM cameras associated with these transactions should easily show that I did not make nor was I aware of these withdrawals. Your help in resolving this matter is greatly appreciated. 

Case ID XXXX and continuation of the Case ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
Per DSG Collection response on CFPB claim number XXXX. They have not taken the {$60.00} off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from Financial Control Service I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Financial Control Service in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My current mortgage servicing company is fraudulently placing my mortgage in a forbearance payment status after being advised verbally and in writing of my non-agreement to a modification XXXX. Further, they have not updated their system as to the payment process only allowing for a reduced payment to made online and subsequently threatening foreclosure and negative reporting to the credit bureaus for non-payment of the full amount of mortgage. All paperwork being received from Ocwen Loan Servicing states my current payment due is {$650.00} when in actuality the payment should be {$880.00} and I am being threatened by employees with foreclosure and negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: FL

Complaint narrative:
After being hospitalized and losing income I was evicted from XXXX XXXX in XX/XX/XXXX. I paid a settled amount in XXXX XXXX that was agreed on via a money order. I was told the item would be removed from collections and I would receive a letter from them showing a paid in full. Neither happened. 5 years later this continues to show up on my credit report and I ca n't rent an apartment because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I had hardship due to divorce and becoming a displaced worker. I contacted OCWEN prior to my last day of work t start modification process in XXXX. The home is underwater and I have exhausted my savings during this stressful process. OCWEN sent me an informal appraisal dated XXXX/XXXX/16 and sent me a copy of the underwater values I have provided everything they have requested. They have lost information effecting correct NVP, missed phone appointments XXXX I have only spoken to my relationship manager on inital call. XXXX/XXXX/16 in the 7 calls following I have a different Agent ID #. I was told by an agent that the phone appointments are completed by an automated system so that calls are on time. However the first available agent will take that call. I have never spoken to the same person twice.I have the right to correct values on my denial ( they said I was denied because was n't behind and had enough assets to pay ) According to HAMP qualifications you do not need to be behind to apply. The homeowner Bill of right says we have the right to one point of contact. It also states that we have the right to appeal denial. I am at my wits end I have gone through every hoop and I DO qualify. They have show great negligence in the handling my request for modification. I have a paper trail including every ID # of agents and every communication. I have confirmations of scans sent and OCWEN stating they did not receive it.. They have missed phone appointments, lost paperwork, drained my savings and I am at the point I can not make further payments at the unmanageable rise in both XXXX and XXXX starting in XXXX from {$1100.00} to {$2400.00}. I have retained part time work at the school district but only get paid monthly. I have providied my first paystub and I have a long term supplemental assignment and sent them a copy of assignment from school district. I have waited an average of 2 weeks wait time to speak to my relationship manager and every time it is someone different. Please look into this matter I have sent my denial appeal package they lost and it was not accepted because my email was restricted ( have copy ) So I resent it again tonight using my other email and it went right through. ( have confirmation ) I complained they lost corrected values and I was actually blocked from sending additional information to XXXXXXXXXXXX. They are breaking every rule for customer service I have every experienced. 
I am highly organized and I have a foot of paperwork from last three months I need help because they are not responding to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I was renting an apartment at XXXX of XXXX in XXXX, FL XXXX. Upon leaving I verified that the account was paid in full. Now, 5 years later, a collection agency is posting gative information. 
Ideal Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I disputed but the information was not removed. I called Ideal and they gave me the run around and are not immediately forthcoming with any information. I called XXXX at XXXX and it was sold thus they have no information. 

This collection is false. I paid on time every month and was fully paid upon leaving. The Ideal agency is not forthcoming with information. 

I want this information off my record. 

Being as it was 5 years ago I no longer have receipts or any such thing. 

My XXXX and I are XXXX and this is very stressful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
I fell behind on a payday loan due to I.D . theft and having to close my bank account. I setup a payment arrangement to settle the debt in full on XX/XX/XXXX and since that time I have received constant letters from Americash increasing the balance and threatening legal action. Even after setting up the agreed arrangement. I called Americash several times about the issue. they advised once the first payment was drafted all activity would stop. But it did not, it seem to escalate. I continued to call and even advised my representative as in every other call ; I did not ant to continue to receive these communications. They were confusing especially as, I was currently making payments. My representative XXXX was very dismissive of my concerns and very uneducated about debt collections practices. My last phone contact on XX/XX/XXXX I advised the company I would submit a complaint as they seem to not care about continuing to abuse their role in collecting debt.

Company response to consumer: Closed