vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
My Husband and I are currently delinquent on our mortgage due a to long term financial hardship. Our Loan is serviced by Ocwen. We will soon have the ability to bring our mortgage payments current. We have made several requests to Ocwen to provide exact amount required to bring our loan current. Ocwen continues to provide conflicting amounts via telephone representatives and written correspondence sent to us. The amount Ocwen provide to our Attorney and local court overseeing foreclosure is also conflicting in reference to the total amount needed to cure the delinquent payments. We have yet to receive an accurate and confirmed amount needed to remain in our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I have filled out loan modification paperwork with Ocwen Loan on numerous occasions, trying to get my mortgage modified. I am upside down on the mortgage and have been having problems making payments. Every time that I fill out the paperwork and send it in, they always send me a letter back stating that " IRS Form XXXX needs to be resent ''. I keep sending it back in, only to get a letter back stating I need to resend it again. Is this their way of not wanting to do a modification and think that after time, I will get tired of constantly sending this in?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
WHEN WE SETTLED OUR LAWSUIT XX/XX/XXXX, WE HESITANTLY OPENED AN ACCOUNT WITH PNC BANK- AFTER A TURBULENT AND VERY HURTFUL EXCHANGE. AFTER A FEW MONTHS OF BANKING, WE HAD AN ACCIDENTAL OVERDRAFT AND THE ACCOUNT WAS CLOSED PRIOR TO US BEING ABLE TO CORRECT IT. WE EXPERIENCED EXTREME XXXX WITH THE BRANCH MANAGER AT THE OPENING BANK- MAKING COMMENTS SUCH AS SHE WOULD MAKE IT HER BUSINESS TO NEVER ALLOW US TO HAVE THE OPPORTUNITY TO OPEN ANOTHER BANK ACCOUNT THROUGH PNC EVER AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Case # XXXX I have been trying to get this matter resolved for over a year to no avail they claim that I have not paid the mortgage, yet they have accepted online bank payments and cashed checks, Then sent delinquency notices for the months that they cashed the checks for. they have repeatedly returned payments and I sent them back. 
There are payments that they did not return nor have been applied. 
They make collection calls yet it is a different person each time and they do not have my full account information. Many time it is very hard to understand them. 
They have falsely reported to the credit bureaus and HUD that I am not making payments. 
..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Recovery Corporation
State: TN

Complaint narrative:
Today I pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a contract with this company and they have never provided me a service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am a widow and this is stressing me out both emotionally and physically. 
XXXX of all, when I call them, I get this recording, 'your last payment of {$1500.00} was made on XX/XX/2016 and your next payment of {$1500.00} is due XX/XX/2016 ' RED FLAG! What I was calling about was on XX/XX/2016 my statement said payment due XX/XX/2016. I made a XXXX payment. Then the XX/XX/XXXX statement generated said my payment was due XX/XX/2016, and I did not make a payment for XXXX. The XXXX payment took over XXXX weeks to get there. The statement generated on XX/XX/2016 says that {$8200.00} was XXXX ''. They have CASHED these checks. And I have when I sent them and they allegedly got them. I am on XXXX and I do n't get my check until the third Wednesday of the month. My payment takes most of my check. I got my XX/XX/XXXX check back because I did n't put the XXXX cents in where you write the amount. They charge me {$6.00} for certified mail, when I mail my payments certified, it costs me {$3.00}. I have got XXXX with a certified tracking number on it. They also charge me for property inspection, {$13.00} and they are NOT in California. They also sent back my XX/XX/XXXX payment because it was n't the {$12000.00} plus due. I they pay my property taxes and I feel that they are OVERCHARGING me. When I called them I got that recording I mentioned in the beginning and the person I talked to was in the XXXX, a XXXX. They charge up to {$19.00} to talk to a customer service person. He said that " I '' would have to call back to get the results. 
I have sent letters to them and no response. 
If I have to get a lawyer I am wanting Ocwen to pay the lawyer fees. 
It was in foreclosure I resolved that and have been making payments since.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Due to medical issues and bills and a loss of job we filed for XXXX loan modifications with Owcen, but were denied. We were eventually forced to leave the house and relocate to another state. We notified the lender we had vacated the premises and completed XXXX short sale applications. Both were eventually denied, although I periodically receive letters from Owcen saying " Thank you for your short sale application it is being reviewed ''. It 's been over 1 1/2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 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: IN

Complaint narrative:
The company failed to provide me with a notice to request verification of debt or right to dispute, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
We stopped making mortgage payments starting in XX/XX/XXXX after my wife lost her job. Due to income setback we requested a loan re-modification with OCWEN Mortgage. We started working with a real estate agent who assisted with the paperwork. Once OCWEN was satisfied with the documents they kept requesting, they set trial payments of {$1100.00} for 3 months then the payments would drop to {$1000.00} till XXXX. OCWEN called stating the 3.75 % interest rate will be changed to 3.875 % and the payments will now be {$1200.00} and they have no knowledge of the {$1000.00}. When asked who required the change the rep stated it was the V.A. I checked with the V.A. and they stated they have nothing to do with this and that they have not had a report from OCWEN since they took over the loan from XXXX XX/XX/XXXX. We do n't believe OCWEN should be able to change things after documents were signed and notorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I have been trying to modify mortgage with Ocwen Loan Servicing LLC for 13 months. This mortgage claims, I have not submitted all the documents that was requested. Once documents are submitted that was requested. They waited over 30 days and request the documents to be resubmitting stating the documents need to be update or would request additional documents. 
I have even gotten assistant from New Jersey XXXX XXXX, they have submitted the documents on my behalf and they gotten the same result I have gotten. 
I have contacted my NJ XXXX and The NJ Attorney General Office informing them of the practices that Ocwen Loan Services , LLC is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
When Ocwen first took over our mortgage in 2012 the balance that was owed was {$71000.00}. 
We were approved for a modification with a lower interest rate with Ocwen. 
Ocwen now states that we owed a total principal balance of {$96000.00}. 
Ocwen Account # XXXXI have asked one of the representative that has been on our case for a few months, she has no answer to this question & states that is the balance that was in the modification agreement. 
We have contacted your company in regards to different questions regarding our account & have been able to get them resolved. 
Hopefully, someone can explain to us where the equity credit we should have went. 
Thanks for your assistance regarding this situation, we look forward to hearing from someone soon. 
-The XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
***This is my 2nd complaint against M & T bank for deceptive mortgage practices On XXXX XXXX, XXXX I filed for Chapter XXXX bankruptcy and surrendered my house located at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX as part of the bankruptcy. The mortgage was held by XXXX Bank. My mortgage with XXXX XXXX XXXX in the amount of {$150000.00}, Account # XXXX, was discharge in Chapter XXXX bankruptcy on XXXX XXXX, XXXX. The amount was reduce to zero and I am no longer financially responsible for the mortgage. On XXXX XXXX, XXXX, after the mortgage was discharged and I was no longer financially response for the mortgage, XXXX Bank transferred the mortgage to M & T Bank. After that date I started receiving calls from M & T Bank / XXXX XXXX XXXX that I need to make payments on the mortgage to them. I filed a complaint with Consumer Financial Protection regarding M & T Bank / XXXX XXXX XXXX. M & T responded that I was correct, the loan had been discharged in bankruptcy, and I was no longer response for the loan. On XXXX XXXX, XXXX I received a XXXX from M & T bank showing cancellation of debt in the amount of {$150000.00}, and a XXXX.However, since the debt was discharge in bankruptcy on XXXX XXXX, XXXX, no actual debt was transferred to M & T and I should not have received a XXXX. M & T need to correct their mistake. I have attached the following : copy of the XXXX & XXXX, response from M & T on XXXX XXXX, XXXX regarding my previous complaint, Florida assignment of mortgage document showing mortgage was transferred from XXXX to M & T after bankruptcy discharge, Schedule D from my bankruptcy documents showing the XXXX mortgage was included in the bankruptcy, page from the bankruptcy showing that the property a XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX was surrendered in bankruptcy, my bankruptcy discharge document dated XXXX XXXX, XXXX, letter from the bankruptcy showing that I completed all payments on my bankruptcy plan & the bankruptcy trustee 's report of receipts and disbursments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Direct Capital
State: CA

Complaint narrative:
Received call from ( XXXX ) XXXX and msg indicated call ( XXXX ) XXXX -- person answering did not identify the company I was calling and got testy when I asked what company I was calling ( interestingly, without my telling this person my name, they had my name ) -- I refused to give this person my name and asked at the get-go what company had called me. This person was yelling at me stating that " no one ever calls and not states who they are ... '' -- stated I was being sued for a $ XXXX debt and writing a bad check for over {$1000.00}. I am not the person they wanted : name was my first and last name, date of birth not mine, state of residence at time of " crime '' was in Louisiana. This person was very, very rude, yelled at me, and threatened to send case for me to be arrested. Finally after verifying the above name, date of birth, and state, the said would remove my name and number ; however, I have received several calls from this same number. Please do something about this. When I looked up both telephone numbers on the internet, there are complaints about a man named " XXXX XXXX '' -- I still do not know anything about the company or the company he is " representing ''.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AL

Complaint narrative:
My son lives over an hour away XXXX. He was out of money and needed to buy XXXX. I read on line that you could transfer money "In 10 Min." from your credit card. The local Walmart is 20 min. away but I thought to save time I could do it on line through MoneyGram. I filled out the info and submitted it. It said processing and I even rec'd a email saying it was processing. I called my son and he went to Wal-Mart to wait on it. It never processed after a hour Wal-Mart closed and he had to go until the next day without XXXX. Luckily with no major complications. I was never told it was denied... I was only sending XXXX and had 30 times that in my account. I believe they are using false advertising and even the Wal-Mart employee said they had a lot of trouble as well..They should have immediately denied it so I could have made other arrangements. I believe they could be putting the publics well being in jepordy by not providing TRUE advertising and Timely response to their transactions and request for info. After over 2 months they responded to my complaint... Here is what they said:
 PLEASE DO NOT REPLY TO THIS E-MAIL!


Dear MoneyGram Customer:

Thank you for contacting MoneyGram.  We appreciate the opportunity to address any questions or concerns you may have.
Unfortunately, the transaction request you submitted has not been approved.  For security purposes, MoneyGram Online is unable to complete your request.  Your funding source has not been charged for this attempt.
We apologize for the inconvenience.

Sincerely,
MoneyGram  
Electronic Operations Department   

Original message: My son needed money to buy his XXXX last night at XXXX as he lives hour away, Walmart was 10 miles from his home. I went on line to Walmart to see if I could send money from my account to him. Your website said send money in 10 minutes from a debit or credit card. I filled out the info and sent it. I rec'd a transaction notice via email saying it was processing. He was at the store and XXXX and waiting. At XXXX I am still trying to see what is happening. I called this morning and talked to your rep who started asking all kinds of personal questions. She said I would have to go to the store. I am very dissatisfied with A. Your service. B. Your lack of Communications that their need to be more information C. False advertising ( transfer money in 10 min.) This could have caused a serious problem for my son not being able to get XXXX.  I will figure out who in the goverment that regulates this and file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA

Complaint narrative:
Received a call from a XXXX XXXX and XXXX XXXX in XXXX IL about cash flipping. They took {$100.00} from me and never received anything from them. They have dropped all contact with me and all. This was a MoneyGram. 

Please look for these XXXX numbers : XXXX from XXXX XXXX. 

XXXX from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
XXXX merged into M & T Bank XX/XX/XXXX. In XXXX XXXX XXXX XXXX 's accounts were integrated into M & T 's system. XX/XX/XXXX, M & T cut the interest rate for My Premium Checking Accounts from .25 % from where it had been held during the proposed merger period to .001 % which is unconscionable. My local branch in XXXX, NJ stopped displaying the current interest rates so that customers were not informed until after they received their monthly statement which took up to several weeks after the rate change. M & T Bank is offering bonuses to new customers which appear to be paid for with the reduced funds they are paying to existing depositors. The impact of the interest rate change is greatest on elderly and XXXX customers who live on a fixed income and find it hard to move to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
XX/XX/XXXX/2015XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXTo whom it may concern : On Sunday XXXX XXXX 2015 I went to the M & T branch located on XXXX XXXX XXXX, XXXX, XXXX XXXX at about XXXX and made a {$400.00} cash deposit and {$40.00} withdrawal at the ATM at that location. I checked my account on Monday XXXX/XXXX/2015 as I routinely do to see which bills cleared only to see all of my money was withdrawn out of my account. I went to the M & T branch located on XXXX XXXX XXXX XXXX XXXX XXXX and spoke with XXXX XXXX about the fraudulent activities. She told me she was going to cancel my card and I needed to come back on Tuesday XXXX/XXXX/2015 when all the charges was cleared for her to file a claim on my behalf and that i was going to receive a refund within 24 to 48 hours. As of Tuesday XXXX/XXXX/2015 I have n't received a new card or a refund for the fraudulent charges on my account. I called XXXX and inform her on XXXX/XXXX/2015 that I have n't receive a refund and was told the bank is going over the videos and that I was going to be contact via a letter. I am very disappointed in the way my case is being handled M & T does n't not value or protect their customers from scams such as what I have encountered. I called and spoke to XXXX ID # XXXX over the phone on Tuesday only to be inform that a refund of this sort takes 10 business days and that M & T has sent a letter requesting more information I do n't have any other information to provide ; I 'm looking for M & T Bank to give me more information as to why it was so easy for someone to access my account and withdraw all of my money no one knows my pin number and the card was in with me how can someone be able to access my account ; I need M & T to tell me why all of their members do n't have a more secure and protected ATM cards. I 'm sure I 'm not the first customer to experience this kind of situation my question is why do we the customer have to suffer and wait two week for M & T to investigate fraudulent activities because they did n't not send all of there member a secure card with a chip when they are well aware of how advanced these scammer are. XXXX/XXXX/2015 I reach out to M & T again about my refund only to be told it was denied I have since reopened the case because they have to refund me all of my money and overdraft charges what is my next step do I need to file a court case against M & T bank to get my money back I need help. I 'm going to make sure to tell all my family and friends and anyone I come across to never bank with M & T bank they do n't value there customers and our money is not protected. 

XXXX XXXXRespectfullyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
My son found a car on XXXX and contacted a lady by the name of XXXX XXXX and we were sent pictures of car. We then contacted her again and decided to buy the car. She is in the service and we informed that the military would be sending the car to us because she was going XXXX again. The money was transferred to an XXXX agent in Tennessee and once the money was received we contacted them again. We have not heard from them since nor will they return phone calls.

Company response to consumer: Closed with explanation