vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-29 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: MI

Complaint narrative:
I had medical insurance at present time 2014 by the State they made an error that I did'nt have medical coverage when I did. The State sent me a letter showing error and that medical bills will be covered I submitted the proof to the debt collector and they are still trying to hold me liable for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO

Complaint narrative:
I sent in money for a money transfer and got the reference order # and went to XXXX different Walmart locations to receive but both tellers were acting very strange and said i could n't receive the money order. They did n't explain why and frustrated me in front of the other customers. They did n't apologize and both left me hanging. Now I ca n't track the order it says the order does n't even exist but I have all receipts and the order information itself still for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
We sent money through MoneyGram. I was told that this was a secure way of transferring money because it required them to have a photo id along with the reference number. It says this on the website and this was confirmed at the store. However, this was not the case they picked it up without me ever sending a reference number. I called and spoke with MoneyGram and told there was nothing they could do. I asked to speak with a supervisor who basically said I was out my money and all he could do was file a report. He was then very rude saying that he would just sit there on the line until I either hung up or said yes to the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 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:
I 'm not sure where this debt is from and who is the initial party

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I recently opened an account with M & T bank, and I was excited to join their family, but I recently called to get help with fraud transactions of almost {$500.00}. My debit card got stolen and my cell phone at work. They must of got my pin from when I took out cash at an atm and saw what I punched in on the keypad. Its sad when you ca n't even trust your co workers, and at that your bank to help you with this and get all this money back. They treated me nasty over the phone, and gave me no help M & T bank. Horrible customer service so far! Please help.

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 2015-09-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
I sent {$1000.00} via XXXX to XXXX XXXX XXXX, XXXX with the understanding I would get a return of {$10000.00} in 14 days. They asked for fee after fee that I paid and never paid me what they promised. Many of the fees were sent via XXXX or money gram.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
I had a problem with my hazard insurance earlier this year. M & T Bank said they resolved the issue by refunding my money. I just received a notice from M & T Bank that they are AGAIN trying to put hazard insurance on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
Hi, I sent {$470.00} ( included {$10.00} service fee ) to my relative in XXXX through Moneygram on XXXX/XXXX/2015, which makes XXXX XXXX. My relative in XXXX went to collect this money from XXXX of the authorized place and he was informed that it is already collected. I asked Moneygram about who took the money they never answered me with complete detail and put my money into investigation after taking some info regarding the transaction from me. Moneygram told me that it will take 90 days to give me answer. Whne I asked them that tell me from which place moneyis collected and what kind of id had beed taken while releasing money to the collector, provide me that info so that my relative can go there and fond out about the reality. Moneygram refused to give me answer. I sent this money to my realtive and it is not received by him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Kelsting Group, Inc.
State: KS

Complaint narrative:
Credit Bureau Assosiates has been contracted to settle an auto loan debt I had with XXXX XXXX XXXX ( a CA banking institution ). Over the past 4 years I have made continual payments to them between the amounts of $ XXXX {$200.00} per month, most of which were requested by me to auto withdrawal from my account. I have not received a statement showing pay history in over 18 months. When agreeing on an amount due, the notes in " the system '' are different from what was said from a previous collector. And in 4 years I 've yet to see the amount the Bank sold the debt for to the collector. As of today they are saying {$2400.00} is the Bal ( due to interest ) with the amount owed to XXXX ( Bank ) as {$870.00}. They refused my settlement of {$900.00}. Sir/Ma'am what can I do? I am a XXXX and My Wife and I are working really hard to settle this debt. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I sent money to my cousin who is in prison, I do not have the reference no. of the first transaction but it was back in XXXX back then I had confirm all the information concerning my relationship with beneficiary. On XXXX XXXX and XXXX of XX/XX/XXXX I sent him money ref no. XXXX & XXXX my cousin was waiting for the funds and he had not received it ref no. XXXX, I contact the customer services which informed a representative informed me that the transaction was under review. She ask mw what was my relationship with beneficiary and then released the funds.after informing that beneficiary was my cousin. Now on XXXX XXXX, XX/XX/XXXX the same thing happen, the whole day pass and my cousin had not received the funds. I called customer services again and the representative informed that the received had to call them. I told him that if had receiver my money transfer and informed in that this was going to someone in prison. He asked me to be placed on hold and the informed that funds were released. I do n't know what money grams employees are doing there is no reason for my transaction to be on hold if they have confirm the information with me. this is a frustrating situation. I will NEVER use money gram again. bad services and made me waste my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: TN

Complaint narrative:
M & T mortgage required me to send my Fire and Casualty claim check to be held in escrow for home repairs. My damages were XXXX XXXX and they hold my money even though i have been displaced. I am not going to have a place to live due to the amount of time it has taken to get started on my home repairs. They have my check for {$44000.00} and are in no hurry to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 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 trying to work with Ocwen since XX/XX/2016 to secure a loan modification. After many phone calls I noticed they were asking for the same information over and over or just not listening to what I had to say about my hardship. My work schedule is very irregular I work nights and may be away from home for several weeks at a time, also get paid from several different companies, since I was having a hard time explaining this to Ocwen, I asked my former Real Estate Broker to help me. With help of my brokers staff which includes people very familiar with the mortgage industry we have emailed and faxed over XXXX pieces of documents, including over XXXX very detailed letters of explanations, and signed and dated HR verifications, which it seems like Ocwen does not read at all?? or their staff does not understand English, as I would repeat almost the same exact thing in each letter and then was asked to send it again. 
My Broker and I both kept very detailed logs and noticed they kept on asking for the same documentation and they kept on asking us to change dates on the same documents add signatures at the bottom or re-send the same documents, which they admit they have but they want us to send in a different order?? I am now FULLY convinced that Ocwen is a scam and playing deceptive games and plain lying and just trying waste my time. If you look up the definition of " FRAUD and DEPECTION '' in the ENGLISH dictionary, this exactly what Ocwen is doing. We have asked for a supervisor to assist us on 4 different phone calls and sent the documents directly to XXXX different supervisor via fax and after each follow up phone call we are asked us to sign the same documents. Now after 6 months we have been asked to re-send the entire package to them again, why is this company allowed to lie, deceit and falsely advertise that help homeowners in getting a loan modifications? Is n't this type of action again the law now? I am formerly asking the CFPB to investigate these actions and ask Ocwen to get a supervisor that can actually do something for me, not just ask for the same documents week after week and then ask me to start this process over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: First Associates Loan Servicing LLC
State: OH

Complaint narrative:
Attending XXXX from XX/XX/XXXX XX/XX/XXXX. This was the first time I had ever attended college. It came down to the last quarter of my XXXX degree and was told had no student loan funds available. Next thing, all of sudden funds were available if I signed to continue degree. After I graduated I received notice that I owed {$46000.00} in federal student loans and have XXXX private loans through XXXX totaling {$18000.00}. The peaks amounts were due immediately upon graduating. And when I went back to school at XXXX University were not deferrable unless I returned to XXXX. They can not be consolidated with all my other student loans. In addition, they require that I send separate payments for each loan in separate envelopes. When I try sending them together as XXXX check the payment only gets applied to XXXX loan even though I have the invoice stubs enclosed with the amounts indicated for each loan, and the one they did n't apply it to I 'm hit with a late fee of {$10.00}. When I called about it that was when I was told had to be separate check / separate envelopes. 
After Graduation XXXX repeatedly called me wanting to know where I was working, even though I have worked in the same job as when I started school. The many times I went to the school Career Counselor, for potential job prospects my information was filed in a cabinet and never received a call on anything. Several times they called and wanted to take credit for my position at XXXX which I had long before even starting school. As a friend still works for XXXX, a couple of times she has overheard the Career Counselor state to potential students that she got me the position at XXXX. I have worked there for 28yrs now and in way shape or form did XXXX ever do anything for any of the positions I have held there. I would not recommend this school to anyone ... .EVER!!! And XXXX Private Student Loans is a bunch on bull also ... ..if it would n't ruin my credit I would tell them what they can do with their separate checks/envelopes.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
I have a mortgage loan with Ocwen Loan Servicing , LLC . On or about XXXX XXXX, 2014 I sent a check to OCWEN. The payment, sent in the form of a check by XXXX XXXX XXXX XXXX 's ( " XXXX '' ) bill pay provider ( XXXX ), has never been applied toward XXXX XXXX 's account. However, the check cleared on XXXX XXXX, 2014. I fear that Ocwen is posting derogatory information to my credit reports and that Ocwen will erroneously begin foreclosure proceedings based on their failure to properly credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: American International Finance, Inc.
State: IN

Complaint narrative:
I got a car from Carplex in XXXX XXXX it was financed through American International Finance a in-house finance company. I traded in a vehicle which was paid for as part of down payment, i was to give the AIF {$1500.00} which they called a deferred down payment on XXXX XXXX with tax refund, I contacted the company to inform that my return was being reviewed and would not receive in time and ask for an extension of time to pay it, my car payments were up to date, i was told I would get a call back to let me know, no one returned by call instead they came and got my car without telling me. after finding out that AIF had picked up the car I was told that they would refund some of my money back and would forgive me of the loan, myself and a representative from the company signed off on a letter which is attached forgiving me of the loan and that it would not be reported as negative or repossession on my credit report. It has been very hard for to obtain another vehicle because this account is still showing as open, they have not reported since XX/XX/XXXX. I actually had to get a co-signer so that I could get another vehicle because Carplex/American International Finance refuse to report to the Credit Bureau that the account is now closed, I have contacted them numerous times regarding this matter.

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 non-monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: First Associates Loan Servicing LLC
State: IN

Complaint narrative:
I went to XXXX for my education, and the cost was so high that when a federal loan would n't cover the cost XXXX used a company by the name of PEAK Loan which runs a 13 % interest rate.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
The OCWEN LOAN SERVICING account XXXX Date of First Delinquency has been re-aged on my XXXX credit report as of XXXX. This account has been delinquent since XX/XX/XXXX. The account has never been brought current and in direct violation of Fair Credit Reporting Act 623 ( a ) ( 1 ), Ocwen loan servicing knowingly and willfully reported inaccurate information to a consumer reporting agency in order to extend the reporting period of the above account. On several XXXX credit reporting disputes Ocwen loan servicing maliciously 'verified ' the fraudulent information to the consumer reporting agency as being correct in order to have it remain on my credit report. 
I have enclosed a letter from the last creditor acknowledging FDO as XX/XX/XXXX, as well as a copy of my original loan payment history from XXXX ( original loan holder ) with the clear first date of Date of First Delinquency as XX/XX/XXXX, and a copy of my Chapter XXXX bankruptcy from XX/XX/XXXX, making it currently XXXX old. This account has continuously been sold and resold. XXXX loan & gt ; XXXX & gt ; Ocwen & gt ; XXXX then re-added to my credit report and now re-aged. This is a fraudulent practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In XXXX of 2007, I signed an adjustable rate note with XXXX XXXX XXXX, XXXX. As part of that Adjustable Rate Note package, XXXX XXXX had originally included a document that said my rate would become fixed after six months. 

Approximately three months after I signed the note, XXXX XXXX went out of business and XXXX became my servicer. As soon as I received notice in the mail that XXXX had taken over my loan, I went to see someone in person to inquire about the changes. 

When we discussed the change from adjustable to fixed rate, the XXXX employee said he knew nothing about that. XXXX then said they would refuse to honor my agreement with XXXX XXXX, and never honored the interest rate change we had agreed on. 

Now Ocwen is attempting to foreclose on me, and is charging interest and fees based on rates that do not reflect the original agreement and grossly overcharge me based on incorrect interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
I ordered a payoff on XXXX and the company has not provided within the required XXXX business days.

Company response to consumer: Closed
Consumer complaint received 2016-02-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Buffaloe & Associates, PLC
State: TN

Complaint narrative:
I paid for as long as I could on a {$6000.00} loan. I lost my job, and now I am on Social Security. 

The debt was apparently bought/sold to a new company, and I believe they have violated the FDCPA by : 1. Refusing to validate the debt, and instead trying to serve me and sue me 2. Collecting past the statue of limitations for TN, which is six years from the date of the last payment. They claim I made a payment in 2012, I did not, and they will not provide ANY proof that I did. I need the Federal Government 's help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: DE

Complaint narrative:
I applied for a mortgage at a XXXX XXXX branch on XXXX, XXXX XXXX, loan number XXXX, I was approved and received a good faith package in the mail. A week later I called XXXX XXXX to get details of what documents they would need from me but was told the loan was denied due to a pre-forclosure from American Home Mortgage, that was on my mortgage credit history, however when I pull my credit I do not see this so it 's somehow hidden when the cosumer pulls a copy of their credit report and only showsup when creditors pull a mortgage credit report. Also, American Home Mortgagechanged their name form this to Homeward Residential, which my account number was listed under # XXXX, and is now listed under Ocwen Mortgage Servicing, Acc # XXXX. Please note that I have never been in pre-forclosure for this mortgage.. It is my strong belief that Ocwen is allowing this to be reported to keep me from refinancing my current loan that has a high 7.5 % interest rate. I do not see this information when I pull my consumer report, but mortgage companies see and inquirer about it when I apply for credit and have previously asked for an explanation. American Home Mortgage Homeward Residential and Ocwen all have a history or unethical mortgage servicingpractices along and AHMSI and Homeward faced a a class action law suit, one of the reasons they keep changing their name and reorganizing their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen survices my Mortgage Loan and they have the worse customer service I have ever seen. I have had my loan on automatic payment since I have had my loan and last year I a got a past due notice that I had not paid my payment. after many hours of trying to get someone & answers they finally discovered that they had just deleted the ACH from my loan. I finally got that resolved and then on my statement a {$5.00} charge showed up for something I did not request. that was never resolved. and now yester day I got a late notice for my payment and when I looked it up on their system this payment was credited to my account with them on XX/XX/2016! I also discovered that the amount I prepay them with that payment is held until the XXXX of the month and applied. that is just wrong! I have been in banking for 25 years and we apply any extra amount immediately. I have been calling for 2 days and have yet to get anyone. also if you just call the customer service number you get someone in XXXX, XXXX, or the XXXX and all you get is their standard responses. THIS IS NOT RIGHT! I have looked into refinancing just to get my loan away from them but why should I have to pay closing cost again because they ca n't or want handle business properly! I paid closing a few years ago to get it away from XXXX XXXX and this is not right!!!!!!!!!!! I had not choice about my loan being taken over by someone else and winding up with these horrible, incompetent people handling!!!!!

Company response to consumer: Closed with non-monetary relief