vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
This company contacted me in XXXX @ XXXX. The gentleman that contacted me identified himself as XXXX XXXX. He said this was a business matter and began harassing me to tell him my personal information. He told me that he needed my date of birth and my address. I said to him that I had no idea who he was or why he was calling and I was NOT going to give him my personal information because I did n't know who he was or why he was calling. 

He never XXXX time identified himself as a collection agency, he refused to tell me what company he was working with, he just kept pushing me to give him my personal information. And told me he would n't tell me who he was and why he was calling unless I gave him my personal information. 

I called the company back to speak with a supervisor, and the operator hung up on me each time I called back, XXXX times in a row. The XXXX time I called back the transferred me back to XXXX XXXX who again only wanted to take my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
Attempted to send money to someone. Had to cancel the transfer. Received the cancellation notification and it indicated I would have the money back in 3-10 business days. It has been 12 business days and I have not received the money. 

When I contacted MoneyGram concerning this, they stated I needed to check with my bank after giving me conflicting information that I had to wait another 3-10 business days since it was not processed properly the first time. After contacting the bank, additional calls to MoneyGram indicated they have no good method of tracking the money on cancellations and are just quoting the date that I cancelled the transfer. 

When I requested to esculate this internally, I was hung up on repeatedly and was still unable to get a straight answer or my money back from them. 

I actually have cancelled XXXX transfers that were {$200.00} each on the same day and have not received back money from either one of the cancelled transfers..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Suburban Credit Corporation
State: VA

Complaint narrative:
SUBURBAN CREDIT CORPORATION has attempted collecting on {$120.00} of medical debt claimed to be incurred during my visits to XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. The collections company states that i failed to make the {$60.00} co-payments during each of these visits. However, I have paid every bill presented to me by the Doctor 's office and the collections agency can not or is not willing to prove that i have not made these payments. 

The Doctor 's office never billed me for these co-pays or mentioned during my many visits to their practice even month 's after these claimed unpaid visits. I would have definitely paid if they had asked me for co-pays for these visits ( which were by the way follow up visits requested by the Doctor ) either during or after the visits. 

I have a spotless credit history and have pay every bill that I owe. However, I wo n't be bullied by a collections agency into paying debt that i do not owe and which they can not provide evidence of non-payment off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
Financial Control Services , LLC ( FCS ) is in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, FCS has violated the following provisions of the FCRA and FDCPA. 
FCRA : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) 15 U.S.C. 1681s-2 ( a ) ( 3 ) FDCPA : 15 U.S.C 1692c ( c ) 15 U.S.C 1692e ( 2 ) ( A ) I originally received correspondence from FCS of an alleged debt dated XXXX XXXX, 2015 ( Attachment : FCS Debt Notification ). I replied to FCS in regards to this correspondence on XXXX XXXX, 2015 asking for validation of the alleged debt ( Attachment : Debt Validation Letter to FCS ). I also requested that FCS " cease and desist. '' This correspondence to FCS was sent via United States Postal Service ( USPS ) using certified mail receipt and delivery confirmation. My correspondence was received by FCS on XXXX XXXX, 2015 by FCS 's employee XXXX XXXX ( Attachment : FCS Dispute Letter Receipt ). FCS provided correspondence dated XXXX XXXX, 2015 ( Attachment : FCS Dispute Response ) in response to my dispute notification. In the correspondence, FCS stated that they were ceasing collection efforts and removing the account from all consumer reporting agencies. 

On XXXX XXXX, 2015, I received a notification from my credit monitoring service, Identity Guard, that a new account had been placed on my credit report. This account was an alleged collection account reported by FCS with a balance of {$620.00}. This is after FCS stated that they were ceasing collection on this account and that they were not reporting the account to the consumer reporting agencies. 

FCS is in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) because they are reporting information that they know is erroneous. FCS is also in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) because they are reporting information after I sent them notice of the inaccuracy of this debt and they confirmed the errors. Additionally, FCS is in violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ) because they have not annotated the account as disputed and are still reporting this disputed account on my credit reports. 

FCS is in violation of 15 U.S.C 1692c ( c ) since an employee named XXXX at extension XXXX contacted me several times after I provided written notice to FCS to cease communication. FCS is also in violation of 15 U.S.C 1692e ( 2 ) ( A ) by falsely representing the amount and legal status of the debt. 

As per evidence presented above, FCS is in violation of multiple provisions of the FDCPA and the FCRA. I request that FCS delete this tradeline from all consumer reporting agencies including, but not limited to, XXXX, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC
State: MD

Complaint narrative:
I have made repeated attempts to inform Berks Credit & Collections that the account that it repeatedly reports as delinquent on my credit report is not my account. I have contacted the originator of the account and was unable to receive any form of documentation that the account is my reponsibility

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
M & T Bank refuses to call me back regarding my request to modify my home mortgage and remove PMI. I 've followed their requests to pay for an appraisal of their choosing, and when the appraisal was completed I received an autonomous letter signed " Sincerely, Insurance Servicing ''. When I call the only number provided, there is no choice for the topic of my inquiry, and I have had to spend excessive time navigating the automated system that has no mechanism to direct me to a human M & T representative. When I go thru an option that is not why I 'm calling, I finally speak to a customer service rep who is not even allowed to provide me their complete name. They have no authority, they just put me on hold and eventually I speak to a person who just reads me back verbatim what is contained in the autonomous letters signed XXXX XXXX. When I ask to speak to someone in XXXX XXXX, I 've been told it 's not a department. I 've never felt less regarded for my business and my existence as a fellow human being. I 've been waiting two weeks now for someone with direct knowledge of the letter 's I 've received to call me back and discuss my account. M & T has no regard for me as a customer, and I would never recommend doing business with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN

Complaint narrative:
I 'm the victim of a scam. You probably ca n't do anything about that, but the used a MoneyGram Payment Service so I believe I should make my complaint here. The scammers found a piece of property I own and made an offer for it on XXXX which we agreed to. I ( stupidly ) sent XXXX as processing fee and, of course, I was never contacted again. The numbers used are XXXX ( XXXX XXXX ) and XXXX ( a bank employee ). These are probably burner phones, but I encourage you to try to find the scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
Hello, This is not the XXXX time I have submitted a complaint about OCWEN home loans but this is enough! As of right now they have people coming out to the property address and taking pictures. 
I have submitted docusments for a modification and I still havent gotten any word from them. I tried calling several times and cant understand anyone who answers the call. Its impossible to understand what they are saying except they are transferring my call and it disconnects. I have had it! Not only are they not sending us any of our information- this violates ALL consumer laws. Nothing has been sent to us except a big packet of paperwork showing they send everything to our previous address. I am not getting XXXX shred of documention. 
I requested a modification and they legally are supposed to work with us modifying before they foreclose ... however someone coming and taking pics of our property is usually a sign that a foreclosure is near- we have not been notified- or given paperwork or a chance to save our home. I am sick about this. I work for a lender and this would NEVER happen or we would have been sued over and over again. Ocwen needs to get their stuff together, I cant contact them because its a dead call and I tried to email them and got a return email. I am at a loss as I cant contact anyone and they are trying to foreclose on a home that was violated by many laws as well as RESPA- years of paperwork hasnt gotten to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen Loan Servicing , LLC ( " Ocwen '' ) incorrectly denied me a HAMP modification and instead completed an in-house loan modification on XXXX XXXX, XXXX. The new payment amount was {$2000.00} ; however, on or about XXXX XXXX, Ocwen changed my mortgage payment to {$2600.00}. I was informed that this increase was due to an escrow adjustment. Upon further discussion, Ocwen admitted that at the time of the modification they had failed to accurately calculate the total escrow due. It appears that Ocwen purposely failed to accurately calculate and/or include known escrow in order to provide a falsified loan modification. By knowingly failing to accurately incorporate the historically known escrow, Ocwen avoided making the necessary interest rate adjustments and/or principal foregiveness necessary to provide a true and accurate loan modification. I have raised these concerns on at least 4 occasions ( the most recent with the Ocwen Office of the Consumer Ombudsman ) and in each instance my concerns have gone unaddressed. In each case Ocwen has failed to address that the XXXX XXXX loan modification was materially flawed and has failed to address my request that the XXXX XXXX loan modification be recalculated using the correct escrow amount which have been available to Ocwen since before XXXX XXXX. Once again, my concern is that Ocwen incorrectly denied me a HAMP modification and then intentionally failed to include total escrow in order to provide a false loan modification which they had no intention of honoring. I believe that a review of Ocwen in-house loan modifications will reveal a similar pattern among it 's customers. A pattern of incorrectly denying HAMP modifications in order to steer its customers to it 's in-house loan modification program and then purposely omitting key information ( i.e. escrow amount ) so that they can provide false loan modifications which they intend to immediately adjust upon completing an updated escrow analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
THE FACTS : 1. I defaulted on my GMAC mortgage payments XX/XX/XXXX due to job loss. 
2. Now bankrupt GMAC ( superseded by OCWEN Loan Servicing LLC later on ) issued a repayment plan. 
3. I complied with repayment plan - paid all requested amounts to GMAC through XXXX XXXX for 8 month. 
4. On XXXX XXXX, XXXX, GMAC approved my Mortgage Modification Request and set the monthly payment amount based on new loan amount that contained all the default amounts from previous months. 
5. I have been making payments every single month starting XXXX XXXX without missing a single payment and without being late till Present, all according to GMAC/OCWEN requirements. 

Now, comes XXXX XXXX, and more than 5 years after my Mortgage Modification with GMAC I am suddenly informed by OCWEN that I am past due 7 month?! 

Even assuming that GMAC/OCWEN were not calculating monthly payment correctly or having any other reconciliation errors - it is still not acceptable consumer lending practice to suddenly inform the customer about 7 months default and engage in behavior that OCWEN is engaging ( when all I did is complied with their requirements at all times for 6+ years ), namely : Start charging me late and other fees, as shown on your recent statement. 
Refusing to accept my regular payments that I have been paying for years. 

OCWEN 's Customer Service is in XXXX and I can not get any meaningful answers from there. Meanwhile OCWEN is pushing to foreclosure. So I had no other choice but to apply for additional Mortgage Modification with OCWEN ... and now am waiting for them to approve it. 

It has been a month of them supposedly " researching '' but meanwhile they are charging me late and " other '' fees and pushing for foreclosure. So far I did not get a meaningful documentation and accounting on the loan according to Section 2954 of the California Civil Code ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have been dealing with Ocwen loan servicing for sometime now. I am currently in the loan modification process with a full complete package. While in the modication process Ocwen has a current sale date for XXXX. This is the XXXX sale date put on my house while trying get a modification. This is a violation of my CALIFORNIA XXXX. California XXXX Foreclosure Law. An attempt again to try to commit a Wrongful Foreclosure. There is no excuse that Ocwen can come with to justify this. The foreclosure notice is by a Duly Appointed Trustee. XXXX XXXX XXXX. Which does not own the debt who I would make payments to. CALIFORNIA XXXX SUPREME COURT RULING Feburary XXXX 2016 quoates that in its ruling. A BORROWER DOES NOT OWE THE WORLD AT LARGE ONLY TO A PARTICULAR PERSON OR INSTITUTION. ONLY THE PERSON OR INSTITUTION THAT OWNS THE DEBT AND PAYMENTS ARE MADE TO CAN FORECLOSE. PLEASE STOP BREAKING THE LAW NOW. No excuses. I am very for my life because of the great amount of STRESS OCWEN HAS PUT ME UNDER. I am currently under medical care for my XXXX XXXX. STOP BREAKING THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Refinanced in 2013, and another mortgage co.bought that mortgage contract. They raised my monthly payment from? XXXX a mo. To {$1600.00} a mo..they say I was behind in my escrow. Never missed a payment and had to pay XXXX months of escrow when I refinanced.they said if I payed the extra {$160.00} a mo. For XXXX months, it would go back to {$1400.00} a month. Now I 'm paying {$1500.00} a month and I want the money back. I also want them to honor the original contract and make my payment {$1400.00} again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I ordered my credit reports from all XXXX agency 's. I noticed XXXX 2014 payment was showing late and I contacted Ocwen to see why and they said I did not pay it till XXXX XXXX, 2014. I began disputing this. I also hired XXXX XXXX for some stuff I was cleaning up on my report. I cancelled with them as I never thought to pull my bank statement to see when it came out of my XXXX account. When I pulled the statement online it is showing the money came out of my account on XXXX XXXX, XXXX not on XXXX XXXX, 2014. Ocwen is saying they can not do anything as far as updating my credit profile and I have my bank statement showing that it did come out of my account on XXXX XXXX, 2014. They said prior that if I sent the statement to the research department it would be adjusted. I called and they said there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am on a Trial Modification Program, which started with an XXXX letter stating that if I made my XXXX payments in a timely fashion I would receive a modification interest rate of 3.97000 % for XXXX years. 
The payments were made on time. However, the most recent loan modification letter from Ocwen states that there is a " beginning '' interest rate of 4.5000 %. That is inconsistent with what was XXXX promised and the verbiage " beginning '' leads me to believe that this is an adjustable rate. 
We requested they honor the original terms they proposed and they recently came back and said that was a misprint. 
We ask how is it that a financial institution finds it acceptable to send out a binding document, XXXX that we both have been following for the past XXXX months, and when it comes time to confirm the final agreement, renege on the originals terms proposed by saying it was A MISPRINT? 
We would like to request that Ocwen cease the unjust practices with us and follow through with the original terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Since i dont use my citi thankyou premier card much, i decided to downgrade to citi double cash back card to avoid the annual fee. I contacted citi and asked to downgrade my card. They did it and told me that they would remove the annual fee since there is no annual fee for the new card. After 1-2 weeks later, I found out that the fee is still there and called them again, asking to remove. They told me they would do it. Now, it has been more than a month, they still did not remove it yet. They made me have to pay it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Emmett L. Goodman, Jr., LLC
State: GA

Complaint narrative:
yes I have tried several times to settle this mater witht the company as I was paying them insurance in case I lost my job. Instead of the company honoring their end. They are not falsely suing me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Late XXXX 2016, I was inquiring with my lender - OCWEN how best to payoff the loan without any problems, since I was planning to do this by XXXX 2016. In addition, I inquired about the payoff amount ( {$38000.00} ). I mentioned by phone to my lender - OCWEN that I would be paying off the loan in XXXX 2016 and that I needed to hold off on paying that month, since it would throw-off the new lenders payoff calculations. My lender - OCWEN was aware that I was about to payoff the loan in full in XXXX 2016, but there was a delay with my new lender and I ended-up paying off the loan on XXXX XXXX, 2016. I did n't think it would be a problem on my credit, since I discussed this issue beforehand with my lenders support staff and they agreed by phone to that affect. I 've always been in good standing with my lender OCWEN, up to this point, where I was paying off the loan and they gave me wrong information in terms of my credit being compromised. My track record shows that I 've always paid on-time and that has never been a problem. I was planning to retire on XXXX XXXX, 2016 after 24 years of service to the military and I was refinancing this loan before getting out. My credit score before this issue was approx. XXXX. My score dropped XXXX points because of this error. As a retiree, this is a major issue and I addressed this issue to their Research Dept. with no success. BTW, there were recorded phone conversations about what we discussed. I hope you can have my lender retract this credit report error so as a retiree ... .I 'll have peace of mind.

Company response to consumer: Closed with explanation