vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
US Bank acquired my mortgage from Concorde XXXX. I originally had a mortgage for {$96000.00} with Concorde but US Bank has added so many erroneous fees that now US Bank says I owe {$100000.00}. I have been assessed fees for force placed insurance, property inspection fees, legal fees, late fees, etc ... The mortgage servicing company is XXXX XXXX XXXX. I have been working with XXXX to come to a resolution about my mortgage. According to the FDCA, Foreclosure proceedings should have been haulted while XXXX and I were in negotiations. I am constantly being harassed with correspondence from XXXX XXXX, US Bank 's attorneys. I feel this company is abusing its power by just adding these fees to my loan and trying to foreclose on my home even though I am working out a resolution with XXXX. I have been denied employment and affordable housing because of US Bank. The loan was predatory from the beginning and has become completely un-manageable for me to bring the account current. I am asking that all collection and foreclosure activities stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc
State: GA

Complaint narrative:
I recieved a called from Hunter Warfield claim to be a collection Company. Said that i had i had a debt with XXXX XXXX for XXXX. Guy was very rude never identify me with the particular debt or even said is this your account or not just began talking. Told him thats not my account. I want to dispute it. Told me i couldnt dispute it. They continually call my phone at XXXX at night. Their not following correct procedure on collection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
approximately 2 years ago I was approached by someone from our bank where we had personal and company accounts for the last 8 years, namely wells fargo, to open a credit card account. at the time I thought that they were very helpful because 8 years ago I had filed for bankruptcy, and it was very difficult to restart my credit worthiness. 
they opened my account with XXXX credit line, 6 months ago they increased it to XXXX. 
in the apprx 2 years that I had the card I never went over my limit. I never was late in payments and always paid in full. the card has a 1 % reward and I was able to amass a total of XXXX which we left in the account ( what a fool I was ). 
on XXXX XXXX 2017 we received a letter from wells fargo stating that the account was closed immediately as of XXXX XXXX. I called customer service and after having been passed to XXXX different depts. I was told that XXXX account was closed and they did not have to explain why and that the XXXX that I had as rewards were also not available. 
I believe that 1. they should have given me the possibility of claiming the rewars 2. been able to tell me why they closed the account since my credit is at XXXX with no negatives other then the bankruptcy of 8 years ago..

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: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Duncan Solutions, lnc.
State: TX

Complaint narrative:
I found that I owe {$130.00} to a company named " XXXX '' when I checked my credit report. I do n't know what this debt is for, what this company is. No type of contact was made or attempted by this company to let me know why I owe this money and how I can pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My mortgage company sold my mortgage but failed to make the required tax and flood insurance payment as required by law. My taxes are late and interest is being charged and my flood insurance has lapsed. This is especially distressing as a XXXX victim. I currently am not covered for flood and only found this out because I received a late notice from my municipality regarding my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
My mortgage loan was illegally sold by GMAC mortgage to Ocwen Loan Servicing to attach credit card default judgement debt without my consent. My interest rate and insurance remains too high though I continued to pay regularly for more than five years. I receive offers to refinance to lower monthly payments but I do not want to refinance because I do not want additional debt. Rather, I want my mortgage loan to be paid down much faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Flood insurance claim check being held too long from Ocwen mortgage services, LLC. 
Over 2 weeks. 
Am I allowed the interest made on my claim money?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
CFPB Case XXXX Ocwen 's XX/XX/XXXX response does not respond to the facts and is a continued falsification of the facts. First, Ocwen 's claim of having received our mortgage is FALSE and could not have happened as they claim based on XXXX documentation and facts. XXXX transferred our mortgage to Homeward/Ocwen in XXXX KY and not Ocwen Loan Servicing LLC in FL. Second, we never made any claim to being untimely as the Ocwen letter XX/XX/XXXX claims which is an additional new false statement. Even if Ocwen Loan Servicing LLC in FL and Homeward/Ocwen KY are the same company or affiliates a new RESPA Notice would be required to change the mortgage payment name and address from XXXX different names and XXXX different addresses XXXX in KY the other in FL. I believe the CFPB should compel Ocwen FL to prove they obtained servicing from XXXX in XX/XX/XXXX or leave us alone. Where is the RESPA Notice changing XXXX in TN to Ocwen Loan Servicing LLC in FL? Where are the Transferor and Transferee RESPA Notices showing the same information? The XXXX XX/XX/XXXX Notice and the Ocwen XX/XX/XXXX Notice has entirely different information which means it is invalid and false. I could n't find Homeward/Ocwen in XXXX KY anywhere in the Ocwen correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
M & T Bank is reporting a foreclosure on my credit report which is incorrect info. 
I had an account that XXXX incorrectly started foreclosure proceedings but we went to court and they lost and we paid off mortgage balance. I have disputed this matter with credit report agency 's as well as M & T Bank however they refuse to send the verification info as to what they are reporting and why.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX. I had a loan no XXXX with M & T Bank ; I requested a payoff by e-mail because is one the option I have to get the pay off. Bank e-mail me back asking me to submit my request in writing. I fax my request in writing. When I received the payoff the fee for the letter was a {$100.00}. I called customer service and request fee to be waived because I was not informed for cost to produce the letter. Under Fair and Responsible Lending and Servicing I was not informed of any fee so I could not make an informed choice. I am a XXXX with thick accent, when I called customer service ; I was treated like a second class citizen for customer service representative making me feel like a second class person. I believe that customers have the right to be informed of any fee that we have to pay before our request is completed. I really believe that M & T bank do n't like to deal with people with accents or other ethnicities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-04 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA

Complaint narrative:
I used the money gram money transfer to send money to an account directly on the XXXX/XXXX/2015 but my receiver did not get the funds.I got in touch with money gram to find out why the money was not transferred but they insist that from their records the transaction was successful which of course is not the case since no funds have been delivered in the account I sent money to.I requested for the proof of the transaction and they promised to send it to via email within the week but they didn't.I called again and they are still telling me the same thing to wait another week with no grantees.I got the impression that they did n't want to be bothered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23 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:
A couple years ago, I was in College and had to go to the emergency hospital due to feeling very XXXX. I was n't aware that my XXXX had kicked in but I could no longer wait. Later on I ran into some big XXXX issues and had no where to live. I had to drop out of college due to these issues. I was then stuck with this XXXX bill I could not afford. After a couple years and pushing myself to get my life back on track, I paid off the debt. I am now XXXX years old and very responsible. I 'm trying to purchase a little house that my little brothers & I can live in. But unfortunately since this is on my credit report I believe it is effecting me. Please help me get this off even though this debt is paid off. I have not let anything else be remotely close to going on collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: OH

Complaint narrative:
I applied and received a mortgage on a bank-owned house in XXXX Ohio last XXXX 2016. I also received a XXXX loan with this home. I had a contractor, who arranged for the work, and I signed the contract, not aware that things were missing. The basement and crawl space has frequent water, has damage, and was not listed on the original paperwork. I was not present to ask about those things at the time. Contractor turned out to be unsavory, even though vetted by my local mortgage company. Mortgage was then sold to bank in New York. I have not drawn on the loan, but keep paying. Bank seems 'stuck ' with what needs to be done, even though I have tried to express to them importance with their forms and XXXX info, that I can change things to ensure my Health and Safety in that home. They do not say yes/no, they merely re-state I must do things by a certain date, or I am out of compliance. I want to rearrange loan monies to fix the basement. It still requires $ XXXX to fix everything, and I will have to find a way to financially do this. This is before things can be done like replacing exit door and tiling area, which is on the original list. The house has foundation problems with accompanying moisture and mold issues and lower level can not be made habitable until rectified. Submitted paperwork to do same, but bank is telling me for the past 6 months or so, that I need to stick to the original plan. I question bank 's rendering of this loan process when things need to be altered. I have been transferred to at least XXXX staff for administration to no avail. I am tired and can not afford a legal representation at this point ... I also have a house to sell in order to move, but can not do that until I have a new place to live ... I 'm XXXX and have animals and work full time for my XXXX. It has not been easy to deal with M & T Bank, because they do not seem to listen. Please assist me as you can. I welcome ANY helpful information. I would like to refinance the entire loan and start over, if possible. Preferably with a LOCAL BANK I can deal with. Thanks.

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 2015-11-25 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC

Complaint narrative:
On XX/XX/2015 I made a payment of {$60.00} through MoneyGram to put on my XXXX for my cell phone bill. I have been with XXXX now for over 4 years and I never had any problems until now. However, money gram transferred the money to my XXXX account but, XXXX said that they did n't receive any funds. Soon as I loaded the money on the card I called my phone company to pay my bill and they said that it was declined. Now that is impossible because Money gram verified that they immediately released the funds to XXXX and now the card says declined. So I immediately called Customer Service for XXXX and they had me on hold for a little over an hour. So once I finally reach a representative to tell them my situation they instantly tell me the system is down and that they 're having technical difficulties and they wont be able to access any of my information. So every day I called them and the same thing kept happening, either no answer or the line goes busy and the phone shuts off. Finally I reached a XXXX representative exactly 1 month later on XXXX XXXX 2015, and she accessed my account and told me that she actually saw the transaction that was made on XXXX XXXX 2015, but she could n't provide anymore information because they were still having technical difficulties with their system. But however she assured me that within 3 business days my money would be back in my account, and now here it is XXXX XXXX 2015, and still nothing has changed my account is still empty. Could someone XXXX help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Suburban Credit Corporation
State: MD

Complaint narrative:
this company has continued to try to report this debt when I have sent them copies of the information that they have requested such as the police report and notarized copy of id theft affidavit. I have and will again send/attach with this complaint the police report and id theft affidavit - notarized. so that the cfpb can see for yourselves the information that has been sent and is being ignored.

Company response to consumer: Closed
Consumer complaint received 2017-02-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I have had m & t as my bank for many years. Every year 2 times a year they take from my account {$14.00} for direct deposit. My checks are directly deposited very month. I called them yesterday about it and they refuse to reimburse me. So for over 10 years they did this and it cost me XXXX dollars a year. It 's due to their computers. Not my checks.

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 2017-02-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
i applied for a car loan and the auto dealer received 2 credit reports, one from XXXX, which gave me a score of XXXX, and one from sagestream , llc which gave me a credit score of XXXX. i called sagestream numerous times to discuss the score i received but they failed to return my call. The address for sagestream is XXXX, california XXXX. The telephone number is XXXX. 
I would like this company to respond to my inquiry.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 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:
THIS DEBT WAS PAID BY THE VIRGINIA INJURIES COMPENSATION FUND XXXX

Company response to consumer: Closed
Consumer complaint received 2016-08-19 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
I have an issue with a transfer that was completed when I left the Ace Cash Express on XXXX/XXXX/2016. The receiver stated that the money was not available when promised and today after checking the money gram website it no longer exist. I did not cancel the transfer nor did I receive a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Key 2 Recovery, Inc.
State: VA

Complaint narrative:
I have a parment arangment for my student loans that were owed to the educational facility that I attened. I have authorized and setup a automatic set payment monthly on what I could afford with in my budget, the company key XXXX recovery is the company the arangment was set with. They Continue to call and harass me about this arrangements, stating that at first it was okay but they need more now. They inappropriately tell me to seek childsupport because I 'm a single parent or to borrow the money for me to make higher payments each month. Threatening wage garnishments if I ca n't make a large percentage payment. In the matter of XXXX day between XXXXXXXXthey called me XXXX times leaving XXXX voicemails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery has been calling me since 2002. At first they told me I owed almost {$2000.00} on a closed out XXXX card and had to pay it, I asked what was purchased for that at XXXX and when. The could not tell me when it was purchased but the cost was {$79.00}. I then asked how it became almost {$2.00} and they said that it was never paid and that was the interest that accumulated until the account was closed. I told them it was paid for and they said I had to show them proof of payment. I told them I closed the account XX/XX/XXXX and had no more proof since I had gotten rid of all my old bills. Since then they keep calling me and telling me I have to pay them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
We have made this complaint earlier this year. First Niagara has been taking out NSF fees when they were not supposed to. 
Their policies and procedures seem to change between each person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
For years Toyota finance has reported a late payment on my former account that never occurred. I have attempted to address it directly with them and through the credit bureaus, but the matter has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I returned the car at the end of my lease. A charger that came along with the car was returned later to the nearest dealership. Toyota wants to charge me a ridiculous {$950.00} for forgetting to return the charger. They did n't even call me about the charger. As soon as I noticed it lying in my garage, I went to the nearest Toyota dealership to return.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
In XXXX, I had a vehicle repossessed due to a late payment. They just came and took the vehicle so I thought that the matter was closed. Now, XXXX years after the fact, this 'collection agency ' continues to call at all times of day, all days of the week. I 've blocked their number and all they do is use another number. They 've used at least XXXX different numbers and my block list is now filled. I 've even gone so far as to have my number changed and had it unlisted and unregistered. Despite this, they somehow were able to get my new number. The statute of limitations has long past and I 've told them directly that I have no intention of paying them a dime. Checking their record on 'reverse yellow pages ', apparently mine is not an isolated case. Their practice extends to XXXX of people in nearly every State. Please SHUT THEM DOWN. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
The agent who called, identified herself as a collections agent from Portfolio Recovery, and proceeded to release information about a debt I allegedly still owe, to a person who clearly identified themselves as not me. This is a violation of FDCPA, and CFPB. They are also trying to collect on a debt that is more that 10 years old.

Company response to consumer: Closed with explanation