vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!

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 2015-07-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I have delinquent mortgage that is being serviced by M & T Bank ( " M & T '' ). M & T placed forced insurance on the underlying property. An insurance claim was filed by me and XXXX checks sent to me with certain specific instructions from M & T as to how the insurance funds would be disbursed ( i.e., M & T wanted a proposal from a contractor, a lien waiver from the contractor, a contractor 's license as well as a signature on teh XXXX checks and an endorsement to M & T of the checks ). All documentation M & T requested was forwarded to them with the XXXX endorsed checks ( XXXX check for $ {$990.00} and aonther for approximately {$5900.00} ). Funds were expended by me for the repairs in order to protect the property ( a rof that leaked very badly and thast was causing additional dmage to the subject property ) and reliance on M & T 's representation that a " reimbursement '' would be forthcoming. After the checks were endorsed to M & T ( each check was written to both myself and M & T ) and forwarded to M & T they refused to pay the claim, notwithstanding significant documentation sent from M & T to me indicating that the insurance would be applied toward the claim if certain procedures were followed, which I did follow. 
As a second part to M & T acting in bad faith, they separately provide ( not in insurance documentation ) a letter on their letterhead ( not part of the forced insurance ) called an '' Acknowlegment of Term '' and thereafter indicated to me because I signed said document, and that because the insurance was paid by them and the loan was seriously delinquent and/or in foreclosure that " M & T could apply any and all insurance proceeds related to the subject property to the delinquent mortgage, as they saw fit. 
I indicated to M & T that I did not sign an " acknowledgment of terms '' upon which they used that fact to deny reimbursement to me for the insurance claim. Thereafter, a manager at M & T ( XXXX XXXX ) was put on the call where I informed him that the phone call, which he was recording, was going to be used for purposes of litigation, as well as several prior calls where M & Tindicated that they " did not have to pay over the endorsed insurance checks under any circumstance '', again, " since the property was in foreclosure ''. I thereafter indicated to M & T that I was filing a complaint with the CFPB and that I was an attorney and was filing a lawsuit against them and that this issue was ripe for a class action. I find it highly likely that M & T is doing that to many borrowers in default and are doing so in contravention to the documentation being sent to the consumer, XXXX various " red herring '' excuses not to pay over the claim but to apply the insurance funds toward the delinquent mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: TRUSTMARK CORPORATION
State: NY

Complaint narrative:
A company has called myself, my wife and my mother. All three times they have threatened a pending civil lawsuit against me.They have given me a case number and phone number to Trustmark Corporation. I called Trustmark and asked them to send me the information regarding the debt and pending lawsuit. They have never done so, yet the original company continue to call us threatening a pending civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 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: The CMI Group, Inc.
State: MI

Complaint narrative:
Credit management company has called multiple times in the past 3 weeks alleging that I owe money ( apprx. {$300.00} XXXX to XXXX. When I inform them that I do not have a XXXX account they ask me for the last XXXX of my soc. # to 'verify the account '. I refused and said you give me the last XXXX digits, and I will tell you if you have the right person. They said they could n't do that. They said well perhaps it 's identity theft and we need to verify that. They said have you ever lived on XXXX, and I told them no. I told them I would run a credit report to see if I had any fraudulent information and to stop calling me or I would inform the attorney general of Michigan. They have called back 3 more times, and I have put a block on my phone for their number. I ran XXXX credit reports and there is no XXXX account or any other suspicious activity. The number they are calling from is XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-01 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Professional Claims Bureau, Inc.
State: NY

Complaint narrative:
This business has called my job twice after I specifically asked them not to. 

These people also refuse to reveal who they are when they call. When they call they do not leave a message and just hang up. I am being harrased,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
I was in the process of opening a savings account with XXXX XXXX XXXX XXXX and was informed of a previous account with them from 6 years ago ( XXXX ), the status of which is outstanding. 

I was referred to a company by the name of Bonneville Collections. 

Please consider this a formal Qualified Written Request ( QWR ) to Bonneville Collections ( BC ) for a full and complete account transaction history along with a transaction code guide, a copy of all Transfer of Ownership/Service Transfer/Charge-Off documentation ( I do not recall recieving this ), copies of all Monthly Statements, and copies of any County-recorded lien documentation as well as copies of all legal notices provided to me regarding said lien-documentation. 
Please also include a current Payoff Quote with interest, principle, and fees itemized ; in addition, all Collection Notification and/or Settlement Offers sent to me. 


BC, I intend to work with you to settle this account as soon as possible. 
I understand you have 30-days to respond, and that you will likely recieve this dispute forwarded to you by the CFPB on Monday XXXX/XXXX/XXXX. As it is a business standard to respond to regulatory disputes within 15-days, I expect my dispute to be forwarded to ( and handled by ) your Executive Response Team within the appropriate time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
debt was discharged when home was foreclosed on over 8 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: EdFinancial Services
State: AZ

Complaint narrative:
After completing my XXXX degree, I consolidated my student loans in 2007 and my total was $ XXXX. 9 years later without missing a payment, I have paid over $ XXXX! My student loan has changed companies multiple times and as a result of a recessed economy and poor business practices, which were totally out out of my control, my loan has also restarted multiple times and I still owe $ XXXX. I am currently paying {$670.00} per month of which {$520.00} is going towards accrued interest NOT my principle. I have already paid an incredible amount with nothing to show for it but a 'generous ' offer from your customer service representative XXXX ( Edfinancial Services Case ID : XXXX ) to pay more! Is this how the American education system works for honest citizens who strive for higher education and learning? 
I would like to make a cash offer to buy out my student loans for {$20000.00}. That will give your company a total amount of over $ XXXX in repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 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: The CMI Group, Inc.
State: IN

Complaint narrative:
Hi, I have got calls/Letter from Credit Management XXXX to collect debt. I have disputed the debt and requested details of the calculation as I do n't own any debt for XXXX. Credit Management XXXX is not able to provide any details of the debt verification. 

I will appreciate your help in resolving this issue ASAP. 

Thanks

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PMAB,LLC
State: NC

Complaint narrative:
I noticed that my credit score had dropped precipitously from XXXX to XXXX due to a negative report. When I ran my credit report I found a false report had been made. PMAB LLC is a collection agency employed by XXXX XXXX XXXX. PMAB LLC reported an account balance of {$440.00} as not paid to the XXXX and other credit bureaus. PMAB LLC had good reason to know the account was not mine. When I telephoned PMAB they admitted the charge had been made by my XXXX year old son, not by me. They identified my address as a former address where I have not lived for 8 years. When I complained I was told I should get my son to pay the bill. I am not responsible for the bill. I am not responsible for getting my son to pay his bills. When I telephoned XXXX XXXX XXXX to complain, they told me they had no balance due on any account from me. That leads me to believe the collection agency is an unscrupulous agency which preys on the elderly by engaging in extortion. Please assist me in regaining my rightful credit score by the elimination of this unlawful report. I have attached a copy of the PMAB item as shown on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Since XXXX XXXX, I was in an active modification review with XXXX. As of XXXX/XXXX/XXXX, XXXX had a full package with the underwriting team and prior to that we were informed that the loan would be transferred to Shellpoint on XXXX/XXXX/XXXX. Prior to the transfer from XXXX, XXXX assured that I had a full package which meant that the sale date would postpone and that Shellpoint would take on the file just as it left. After speaking to XXXX in XXXX, they stated it would take time for the documents to be reviewed and only on XXXX XXXX, XXXX were we told that ALL documents had to be in on their forms. We provided Shellpoint all new documents with corresponding proof only to be told on XXXX XXXX, XXXX that more docs were needed. I provided all documents and today I was told tht my income of {$10000.00} does not qualify for HAMP?! HAMP is not even an approved program then the point of contact said I do not qualify for any programs, so I mentioned will I receive a DENIAL letter so I can appeal the decision and he stated NO. This is classic example of dual tracking how cn this servicer take a file from another servicer as a full package then take 4 weeks to review and just on the eve of the sale state I dont qualify for any programs including a NON-EXISTENT program like HAMP? Please help I have over XXXX equity in my home and they are not playing fair I have complied with all that was requested of me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I Have been under a chapter XXXX bankruptcy plan since XXXX 2014 and have paid regular monthly payments to Shellpoint and the trustee. This company has promised several times to send me an account history but nothing happens. I have no idea how my payments are applied since I am not getting any monthly statements either. No one responds to me from their bankruptcy department and I do have a letter on file with them from the Attorney Authorizing them to talk to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Bronstein & Weiss Arbitration
State: IL

Complaint narrative:
For the past two days I have gotten a call from XXXX from a woman who claims to be named XXXX XXXX who says she is calling from the litigation department XXXX ( maybe Weiss ) Law Offices who says I am under investigation for finances and that they intend to prosecute me in court for damages and compensation. They said they have already filed a citation in court, but that if I call, we can resolve this matter without going any further to avoid any criminal charges. They identify me by name and the county I live in but offer no other information about me nor any information about what this matter is about. I have received this call twice in the past two days, XXXX via voice mail. I have no idea who this is nor can I get any information on the phone number or am I sure this is a real law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
Received a letter thru regular post office mail dated XXXX/XXXX/16 addressed to the wrong name and about a license plate I 've never owned ; letter states " If this matter is not resolved immediately you will be commanded to appear at an administrative hearing where a determination may be made that you owe substantial additional fees and fines, registration of your vehicle being refused, and the use of your vehicle being prevented until the amounts due are paid. '' Letter states the matter has been referred to this firm ( Linebarger Goggan Blair & Sampson , LLP ; XXXX TX ) by XXXX XXXX XXXX XXXX XXXX which is continuing to record XXXX XXXX XXXX violations by a vehicle with this tag & state records say I am the vehicle owner. They do not explain how they arrived at the large amounts due for the tolls listed. 
I 've never received any toll notice from XXXX. I have driven through there infrequently and have gone online and paid minimal tolls that I have incurred, AFTER the dates of these tolls. There is an error in my name on the letter. This is not and has never been a license plate I own. The tolls are from 9 & 10 YEARS ago. 
Contacting the company resulted in the response that the file would be reviewed and a letter sent. 
I am concerned about getting a future notice to appear in court ( where I do n't live ) and improper research to determine this is not mine. Proper research would have quickly ruled out that it does n't belong here. Others online state that this company has been ruthless harassing other people, and that one tactic is to demand a court appearance and to receive a favorable decision when people do n't show up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I had a medical bill from XXXX XXXX / XXXX XXXX XXXX for XXXX. Enough I was making monthly payment, XXXX XXXX / XXXX XXXX still sent my account to a collection agency. My account was referred to XXXX. I continued to make monthly payments and paid off the account in XXXX, 2016. All payments were made to XXXX. I actually over paid by {$14.00} at which time I called XXXX regarding my credit on XXXX XXXX, 2016. I was informed by XXXX that I did have a credit and I would receive a refund in the amount of {$14.00}. My refund was processing and I should receive my refund by XXXX XXXX, 2016. I did not received my refund. I called XXXX to inquire about the refund and I was informed that my account was transferred to Credence Resource Management and given the phone number. I could not get an answer from XXXX as to why my account was transferred or on my refund. I called Credence regarding my refund. I was informed that Credence had to research further and to call back. I waited a week to call. When I called back, I was informed that no research was done regarding the refund and more time was needed. Again, I waited about a week. When I called back, I spoke to manager " XXXX '' and although there was credit on my account, Credence needed to research and contact the " customer ''. As of today, still nothing has been done. XXXX and Credence both verified that I am do a refund. I am being refused my money back. 
XXXX XXXX XXXX / XXXX XXXX ; accnt # XXXX / Credence XXXX

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 2016-05-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
My mortgage was sold from XXXX XXXX to Shellpoint Mortgage. My account with XXXX is under direct debt and the payment comes out of my account for the last XXXX years with no issues. After the transfer to Shellpoint my account was not being debted for the payment. 
I was never told until XXXX months later when I got a call about being XXXX months behind. I paid the back months right there over the phone to make my account current. I did not know at the time that Shell point would report my account as delinquent for XXXX months. I went to purchase a commercial property when the loan offer told me I had credit issues that would prevent me from buying my business property for up to XXXX years. I never got a letter or a call from anyone telling me that I would have to do something about the debt because my account was sold. I never asked for my account to be sold. I was perfect and happy with XXXX. Now because my account was sold, my business will suffer for XXXX years. This is not my fault. I simple call telling me I had to do something with the direct debt would have prevented the issues. I called Shellpoint and they told me there is nothing they can do to fix my credit. They had no other explanation. This is just wrong. This big banks make money off taking my loan and then turn around and hurt me and think nothing about. How is it my fault. I called Shellpoint and asked them to remove the lates from my credit. I was told that they agree with me and are very sorry but they can not remove anything from the credit. They told me to write a letter. I wrote the letter and sent it on XXXXXXXX/16 explaining my issues As of XXXX I still have not had a single call or letter from shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
Included in bankruptcy which was dismissed on XXXX XXXX Belongs to bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
On XXXX XXXX, 2016, the credit bureau XXXX notified me that potentially negative information had been posted to my credit report. I checked my credit report and found that JH Portfolio reported my account as " seriously past due date/assigned to attorney, collection agency, or credit grantor 's internal collection department, '' with the information " Terms '' of " 1 Month, '' and that it is an installment of {$410.00}. This company has not provided me with notification of the right to dispute before reporting to the credit bureau.

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 2017-04-09 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: The CMI Group, Inc.
State: OH

Complaint narrative:
I have an unverified account from CMI. I had previously disputed this account. I have never done business with CMI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CMI Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CMI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief