vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
I have a mortgage loan that was sold to ocwen, and had fallen behind on payments after some employment issues. Our current payment is approx. XXXX. We called in to ask for arrangements and were told to apply for a loan modification ; we declined and did not fill out paper work, but instead started sending in extra payments to pay down amount owed. We thought we had successfully done so by the beginning of XX/XX/2016 when our outstanding past due amount was approx. XXXX for XX/XX/2016 payment. We sent in XXXX which would have paid past due amount and left only a balance for the current payment month, which was also what the Ocwen website stated up until the first of XXXX. Needless to say that I was ecstatic to be over this hump and done with the nearly 20 calls per day by ocwen 's agents trying to push me into a loan modification or a huge lump sum payment. I was going to make another payment which would have paid my current month, leaving the past due nightmare behind us only to find via Ocwen 's webpage, that this company has reversed all of my payments since XX/XX/2016 ( approx. {$5100.00} ) and is now showing the mortgage in default, with payments owed starting at XX/XX/2016. I called Ocwen and they have no clue what is going on, the foreign sounding rep named XXXX, placed me on hold for 45 minutes only to tell me they have to send in an inquiry to their cashiering dept. to find out why this is being done and that I would have a response in approx. 7 business days, which would put us into the last week of XXXX. They do not know what happened, they do not know where my funds are ( they have not been returned to us ), they do not know how to fix it, but I am accruing fees and interest until they figure it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Mortgage loan has been resold a number of times especially since the 2008 financial melt down. Request was made numerous times to remove the homeowners insurance from the escrow. After having no response, telephone contact was made at which time the bank refused claiming that they purchased the noted with the insurance in escrow and it must remain in escrow for the life of mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Western Mercantile Agency, Inc
State: OR

Complaint narrative:
Western mercantile is garnishing my wages. The judgment is no longer valid. It was never renewed. This was confirmed by an attorney I have talked with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PR

Complaint narrative:
I was engaged to an alleged XXXX, he established that he was going to transfer me {$100000.00} from his account in XXXX in XXXX to this email- XXXXXXXXXXXX I provided the transfer fee of {$1100.00} to a XXXX XXXX, Remittance Manager of XXXX . I used money gram to wire the money to XXXX with a reference number XXXX. I was later asked to pay {$8000.00} for a COT code. I was provided a fake internet account website to transfer the funds from said account to my personal account. 
Dear Value Customer, You can access our website ( XXXX ) Ma'am the best wayof transfering fund like this internationally is what you went for ( Internet Bank Tranfer ) and is the simplest means of transfer. You canalso log in your Online Bank Account through our Internet Banking platformit will take you directly to the site we gave you earlier to access youraccount*Our bank has a banking policy operating in Directives of job processingand customer satisfaction that we do have laws governing our Bank* Our bank is known for long standing Reputation in maintaining customerrespect and obeying Banking rules/Laws. Note this, as part of ourcontractual agreement with our partners with customers, that no amount canbe deducted from your fund, this is because the total amount has beeninsured to the real value. And this is in accordance with section XXXX ( XXXX ) ( XXXX ) of the international remittance act as adopted in XX/XX/XXXX and amended onXX/XX/XXXX by the constitutional assembly and it put in place toprotect Beneficiaries from Bank exploitation and to avoid misappropriationof funds. 
XXXX XXXX, Remittance Manager, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
synerprise has XXXX open accounts since XX/XX/2010. 
XXXX is for {$220.00} dollars an the other is for {$380.00} dollars. 
I have already paid to the hospital.

Company response to consumer: Closed
Consumer complaint received 2016-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: 1ST PREFERENCE MORTGAGE CORP
State: MD

Complaint narrative:
We sold our home in XXXX 2016. Painting on the outside was required. On XXXX XXXX, 2016 the painter completed the work. The lender was advised and they were to send an appraiser out to check the work. Several emails and phone calls later, an appraiser has still not checked the work. The painter has n't been paid and the remainder of our escrow funds have not been released.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 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: MI

Complaint narrative:
Money Recovery Nationwide is reporting to XXXX credit bureaus XXXX erroneous accounts that have not been verified

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Direct Capital
State: HI

Complaint narrative:
Keep receiving telephone calls from debt collectors for a person with the same name, but different SSN and date of birth. 

Received calls from XXXX XXXX/Direct Capital ( # XXXX ) and from an unknown caller ( # XXXX ). 

I never received a letter regarding a debt collection, but continue to receive telephone calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I wanted to pay off my XXXX loan so I contacted M & T Bank customer service email and they replied back saying it had to be paid by certified funds in order for the XXXX hold of lien release to happen so I paid with a certified check from Alabama XXXX XXXX XXXX ( XXXX XXXX XXXX ) in XXXX Alabama. and now the Bank M & T which in email stated nothing about a credit union certified check is n't accepted as a certified check but normal check and thus have to wait 10 days in order for the Lien to be released off Title. The email which I have and send states only that a certified funds and that I did and sent to the address they provided : M & T Bank XXXX XXXX XXXX XXXX, DE XXXX They recieved this on XXXX XXXX and I feel they are holding onto my title and lien for fraudulent reasons as I did everything they said. customer service number is XXXX and talked with a supervisor about this his name was XXXX and his employee number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: M&T BANK CORPORATION
State: TN

Complaint narrative:
Questioning possible fraudulent mortgage by XXXX. I was not working at the time. This mortgage should have never been written, according to several employees at XXXX, because of suspicious appraisal. I have attached a list of at least XXXX reasons why this should have never been done. I was told that I should sign the loan documents and the problems would be resolved after the signing. A manager told me this. The issues were not resolved. Although they did refund the appraisal fee because of major inaccuracies. ( The appraisal said there are no bedrooms in the house because there needs to be a closet for the room to be considered a bedroom- There is only one room, on XXXX floor that has a closet and the appraisal does n't mention that at all ) This loan was later sold to XXXX XXXX XXXX , then before it was sold to M & T Bank , I called and warned them that this was a fraudulent loan and they should not accept.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ClosingMark Financial Services, LLC
State: MT

Complaint narrative:
They locked me out of my house without notice. I am not in foreclosure. I am late on my house payment, but not in foreclosure. I moved out of my house XX/XX/XXXX and notified my bank that I was moving XXXX due to a job change ( a permitted reason to move and not occupy the home under FHA loan regulations ). XX/XX/XXXX, I received a letter stating that they just learned that my home was vacant and that I needed to call them within 10 days or they would take steps to ensure security of the home. I called immediately and reminded them that I previously informed them that the home was vacant and worked it out with a representative to XXXX XXXX 's satisfaction at that time. I traveled to the house XX/XX/XXXX and stayed in the home XX/XX/XXXX. I have a friend who regularly checks on the house and who is considering purchasing the house who went to check on it today and the locks had been changed on my house and a realtor box placed on the door. I did not receive any kind of notice that the house was going to be locked up, or I would have told them that I was using the house when I traveled to XXXX visit my mother. I called today to let them know that I can not get into my own home and they said too bad. They informed me that I could not remove the lock to get into MY HOUSE. I am not in foreclosure. I have not received any notice that the house would be locked and I would be locked out and not provided any access. This is a violation of the law and of my rights. XXXX. I understand the law and my contract and this chain of events is a breach on the part of south pacific financial. They have an obligation to inform me and can not lock me out of my own home without proper judicial authority. They also stated this was partially because the utilities were turned off. The utilities are off because I am having the house completely rewired and new electrical installed. I am ready to sue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I was approved for a loan modification. And on XX/XX/XXXX I was told that the modification was going to be rescinded due to the second mortgage company XXXX Bank would not move their lien position. I received and XXXX XXXX letter dated for XX/XX/XXXX and I went to XXXX on XX/XX/XXXX. I subsequently received a letter from M and T Bank on XX/XX/XXXX that my mortgage was forward to XXXX for foreclosure proceedings. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating they will be pursing legal actions. Based on the documents I received from XXXX and the XXXX XXXX with the dates provided, M and T Bank is in violation of this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
I have tried unsuccessfully many times to send money online through moneygram. 
I have spent hours on the phone, verifying my identity & having moneygram 's " security department '' verify my identity as well. I have yet been able to complete a transaction online, because moneygram continuously denies me services. On XXXX/XXXX/15 at XXXX EST is the latest example of moneygram 's discriminatory practices against XXXX. I tried to send money to my family in XXXX & was denied service. This has happened at least 6 other times with moneygram. As I said I have proven to moneygram who I am and that I have a need to send money to my family. MoneyGram has a long history of overcharging XXXX or denying services to XXXX. This practice must be investigated & MoneyGram must be held accountable for their actions/

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I have filed separate complaints over {$38.00} fees charged for insufficient funds. Now M & T is charging multiple fees for just XXXX order. I made XXXX order from XXXX. The order is processed as shipped so there may be XXXX or XXXX debit charges for XXXX purchase depending on how many box 's. How can M & T charge multiple times for just XXXX purchase? This theft of my funds.

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 2016-07-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
m an t bank they post transactions against my account at XXXX but post deposits at XXXX and I would get charges because I did n't have enough to cover after complaing about this I did notice last night a deposit was posted at XXXX frist time in 15 years also i deposited a XXXX dollar check they held XXXX the teller told me it would clear at XXXX for the full XXXX they also charged me {$45.00} in shipping on new checks it came by mail after fighting with them they did credit me back some

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
macys credit card -- when we moved we changed all to new address made a couple of purchases never recd a bill would never have known that they were sending my bills to old address how i found out was i get my annual credit report and seen this i called them and and asked what happened found out they were sending bills to wrong address we changed to correct they told me i owe {$170.00} dollars they said if paid would take off all credit reports they were paid in two days i called them after 3 days said didnot rec yet called back and next person told me they did rec two days later but will not take off credit reports they just wanted there money XXXX had an XXXX credit score i always pay my bills this dropped score down a lot and i did nothing wrong not my fault they did not do there job updating there system when i sent them change of address how is this my fault they could have even called me they have my number it has not changed can you please help they wont even honor there deal oaid in two days they would take off credit report

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 2015-04-27 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: Herbert P. Sears Co., Inc.
State: WA

Complaint narrative:
This is regarding the house we rent in XXXX. The XXXX XXXX XXXX is continued to collect money from us stating we owe them money. We moved out the house on XXXX XXXX, 2014 to moved to XXXX. I let the XXXX XXXX XXXX know that we will be leaving on XXXX XXXX, 2014. We let them know, that my brother is going to give them the key for the house and they said, it will not be a problem. My brother had asked him to go with him to to check and inspect the house with him but refuse to do it with my brother. 

The HP Sears Agency is collecting money from us stating we owe {$1000.00}. The house was in a good condition when we left, but they stating there 's some repair that they did in the house and plus the shampoo and cleaning. We had a deposit for {$1200.00} in that house that they never return to us. 

Now, the XXXX XXXX XXXX had pass bill to the HPSears collection and asking us to pay for this bill. 

I am writing to dispute this bill and we know they have intended to ruin our credit. I do n't know what steps I need to do in order to stop this collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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 Receivable Management 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 Receivable Management 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 2016-10-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
XXXX months, I called SLS Mortgage Servicing to find out why they were not reporting my mortgage payments to the credit bureaus. They stated that my husband and I were still in bankruptcy. We filed bankruptcy in XX/XX/XXXX and reaffirmed with XXXX Mortgage at the same time. XXXX is no longer in business and our paperwork must have been lost. 
SLS is now our loan servicer. So we wrote a letter and included a copy of the reaffirmation paperwork to SLS. 
However, we received a letter from SLS dated XX/XX/XXXX, that upon researching our account they found no errors. 
they failed to mention our reaffirmation. We submitted our reaffirmation and have been steadily been paying every month on time in full. We can not refinance we can not prove that we have been submitting payments and have no credit scores. We need them to report our payment history. We are not asking for much. PLEASE HELP US.

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 2016-05-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I have a Mortgage Loan which is currently being serviced by SLS. They got this Loan from XXXX, with whom I started the HAMP Loan Modification process XX/XX/XXXX - about 4 Years back. I have submitted tons of documents in the last 4 Years but am getting rejection after rejection for wrong reasons. A case in point is the latest rejection from SLS vide their letter dated XXXX XXXX XXXX ( copy attached ). They are saying that they are unable to create an affordable payment equal to XXXX % of my Monthly Gross Income which is totally wrong based on the figures they have given themselves in the attached report. The Unpaid Balance ( $ XXXX+ $ XXXX ) is about $ XXXX. 
If we apply the HAMP Standard Waterfall steps, at 2 % for 40 Years the Principal and Interest figure comes to about {$2100.00}. If we add the Escrow figure of {$790.00} ( $ XXXX+ {$630.00} ) they gave in this letter, the PITI come to {$2900.00}, which is well within the XXXX % ( {$2900.00} ) of the Total Monthly Gross Income ( {$XXXX} ) they have shown in this letter. In fact if you see the Escrow amount given in the attached Mortgage Statement, it is only {$610.00} and if we take this Escrow figure, then the XXXX % PITI figure comes to only {$2700.00}, which is well within the 31 % figure of {$2900.00}.

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 2016-07-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I submitted a dispute on XXXX/XXXX/XXXX and I have n't seen any movement Case number : XXXX Submitted XXXX/XXXX/XXXX Company responded XXXX/XXXX/XXXX Customer XXXX XXXX via Web XXXX/XXXX/XXXX XXXX The statement SLS made that " On XXXX XXXX, XXXX a phone call was placed and a message left for you by SLS, advising you that you needed to pay the difference of the payments from KYHC and the funds due, or the funds would be returned to the state '' is false. You and I both know the Fair Debt Collection Practices Act which prohibits any detailed information as such to be left on an answering machine. It was n't until my daughter called XX/XX/XXXX was when these funds were located, I than called that day or the day after to make the necessary payment and was denied. Where are these funds? As mentioned before Keep Your Home California has no trace of these funds. Please review all mine and my daughters recorded conversations with SLS and you will find that your company was trying to locate these funds for months. XX/XX/XXXX. I sent a written letter questioning my balance and asking where the remainder of the funds are. Your investigation in this matter is lackluster and does n't address either issue of the payment of the for XX/XX/XXXX or the missing funds and gives no direction, and did not include any steps your company has taken to find these funds or any solutions.

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