vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: First Associates Loan Servicing LLC
State: NY

Complaint narrative:
I have attempted to contact Peaks Private Loan over the years. They have wanted me to pay {$350.00} a month which I could not afford and the time and I still can not as I have XXXX other loans that I am trying to pay back to the best of my ability. At first they told me that they are not able to decrease my monthly payment. As time when on I was told that nothing can be done now as I owe a {$5000.00} Balance to bring the loan current. Last time I reached out to them they said that there was nothing that they can do because that private loan was sent to a collections agency. I have looked back into this from the paperwork I have. I have never signed for this loan it appears that XXXX took it out with out telling me that it would be a separate loan from my Federal Loan. The few sheets of paperwork that I have show that the money was sent directly to XXXX XXXX XXXX and not for my classes that I took. I was never sent paper work stating what Classes that the loan paid for. I also have my Federal Loan that shows that it paid for all of my classes except for 2 semesters that a XXXX {$10000.00} loan was taken out that was informed about. I believe that I am a victim of an XXXX Fraud Scandal, I remember signing for and giving permission for my federal loan and the {$10000.00} loan for when I was not able to get finical aid but I have never and would never sign a {$40000.00} private student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have just received a foreclosure notice from Ocwen LLC they have not honored the loan modification took all my payments, did not apply them extended my loan to XXXX months and have told me repeatedly that it was being " taken '' care of but the modification department needed time to review everything and that it takes time. They went from " we are on your side '' to " sucks for you '' my Loan was at XXXX and despite payments they have increased it by XXXX to XXXX and not applied XXXX penny to the account, in addition I sent them proof of every payment made and cleared and they have not updated their system. I have at least XXXX equity in my property, they are basically trying yo steal it from me. They have made me complete at min, of XXXX loan modifications, because they messed up the paper work, giving different amounts to be paid, some as small as XXXX they sent me paper work for a payment of XXXX each month to XXXX then would not cash my check and returned it to me because they mad an error and the new amount was XXXX. A XXXX dollar difference. I have complained to XXXX and Ca department XXXX oversight and they have done NOTHING! I have ALL documentation and correspondence. I have bank records and even had XXXX bank call with me and they are not acknowledging my PROOF of payments and could care less.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I have ocwen.they have been XXXX with me for years.my interest rate is over 10 % .every time I ask to talk to someone I get a person I cant understand.now and and not not for the first time they r saying I did not make payments and I did.i send what they ask and hear nothing till they say I have to do it all over again.they have XXXX up m my credit so I cant get any any one else to take me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have a property in contract for sale scheduled to close by XXXX XXXX, 2016 to a qualified buyer. At the same time, there is a Trustee Sale on the property scheduled for XXXX XXXX, 2016. I requested Ocwen ( the lender ) to postpone the TS for XXXX weeks. I told them they will be paid in full ( this is a line of credit on the property ). They said they ca n't do anything about it at this time and ask me to call the attorney 's office who is handling the sale to see if they can do something about it for me. I talked to the attorney 's office and they said it is up to the lender to decide and sent me back to talk to the lender. I was given a Relationship manager name of XXXX XXXX and a phone number to contact her at XXXX XXXX XXXX. Unfortunately, no one by that name ever answers the phone. I have been calling several times and each time, a different person would tell me to do this and that but no one seems helpful. I understand the lender wants to be paid as soon as possible so I do n't understand why they are not interested in helping me out so they can get their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Asset Recovery Solutions, LLC
State: IL

Complaint narrative:
I am getting at least two calls per week for the last month at my place of employment from a company in the XXXX area. Their direct office phone is XXXX but also have a toll-free number at XXXX. They are not trying to reach me on my cell, simply, calling at my work and it 's embarrassing if it is for real. They will not say what they are calling for or who they are but they keep calling. I have to take several calls per day across the country and this is tying up my line and negatively affecting my workflow.

Company response to consumer: Closed
Consumer complaint received 2015-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Attached please find all my supporting documents of regular payments, ON TIME, and the escrows accounts in question. I have been trying to rectify this situation by calling the phone number furnished on the Ocwen document, XXXX. I have spoken numerous times before I started to take names and employee ID 's. Those names are as follows ; XXXX # XXXX XXXX # XXXX and their supervisor XXXX # XXXX. I requested a supervisor when I was not getting a comprehensive answer to any of my questions and concerns. I also kept giving my cell phone number when speaking to them and asked for the information they have on file to be changed. That never happened even when XXXX said, " I will email my supervisor and give him that information to return your call '' only then did I get a call back because I told them that I had to get a lawyer involved. When XXXX did call me back it was on my HOME phone number which I specifically asked them NOT to call me on, just the number I gave XXXX and XXXX. When I asked XXXX why he called me on that number he just said, " Sorry ''. Really? Am I supposed to have faith that the people in charge of my mortgage will do it right when they can not even get a proper phone number? I had asked him to explain the shortage and he tried to tell me that it was from XX/XX/XXXX. I keep all the paid bills and cancelled checks along with my balanced check books regularly. As you can see I keep accurate records of all my mortgage and tax bills along with my homeowners insurance. When I asked XXXX to fax my lawyer over the documents requested he tried to tell me that he would email to me. I had told him that it was too late because now my lawyer would like to look them over. As of today, XX/XX/XXXX, my lawyer has not received anything from Ocwen. I find this a disgrace of the company and complete disregard for a loyal customer. I told XXXX that I will pay the amount that was previously billed and that if Ocwen wanted to increase that amount that they would have to provide me with evidence of such an increase. 
I had no choice but to file a complaint against Ocwen and their employees because of such disregard and incompetence. I have an outstanding line of credit and it will NOT be ruined by a mortgage company that can not do their job correctly. I am OUTRAGED to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I have a roofing company that is not being paid because Ocwen Financial insists on using a monitored claims AFTER the roof was completed! I was not informed of that process initially and it is creating many problems. The Ocwen process does not fit the remuneration process required to pay the contractor and they have offered no means to resolve to actually handle the problem. I ca n't finish all the claims work needed during the winter to adhere to their process. The roofing contractor is a small business with a dozen or so employees and needs the funds to pay its workers. Ocwen is telling me they pay at a 30 % of claim, 60 % of claim and 90 % of claim after an inspection. There are XXXX parts to my insurance claim. Aside : Ocwen is loan servicer and not an insurance company. The insurance company has already seen and accepted the new class XXXX roof completion and sent the remaining funds to pay off the contractor. The problem is the insurance claim has XXXX parts : the roof, windows, deck and painting due to hail / wind / water damage. Ocwen 's process treats is all as XXXX claim. The wo n't release enough funds for me to pay the roofing contractor. They will not resolve the problem and are unresponsive to the real problem. Very concerned I will have lien on my property based on Ocwen 's processes which do n't fit this claim situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
My mother-in-law is in the process of selling her house. In 1999, Option One Mortgage had erroneously discharged a loan that they had already assigned away to XXXX, acting as Trustee for XXXX XXXX. I have been attempting to get a new discharge for over a month so she can complete the sale of her property and have been unable to. XXXX claims that Ocwen services that loan for them and Ocwen claims they do not - both sides have been claiming the other is responsible for the loan for a month straight. I am sick of tired of this and my mother-in-law is unable to pay rent at her new apartment or pay the movers or afford regular expenses while this title issue is ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a new Chase checking account at the XXXX XXXX, FL branch on XXXX/XXXX/XXXX. I had an offer for {$150.00} incentive for a new account. Yesterday XXXX/XXXX/XXXX I received a new coupon for a {$300.00} incentive for the same account I opened. I called customer service today to see if this can be credited to my account and the representative told me she did not handle that I had to go to the branch directly where I opened my account but XXXX did not foresee any issues with my request. I called the XXXX XXXX branch where I opened my account and spoke with the branch manager who said I was unable to get the additional incentive as I am past a 21 day period where this change is allowed. I find this to be wrong as I am a new customer who wishes to have an ongoing relationship with Chase and they can not override this issue? This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NE

Complaint narrative:
Hello good day XXXX, this is XXXX XXXX XXXX XXXX, i tried calling your consumer care number regarding a transaction that i carried out me XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DATE..XXXX XXXX XXXX .I sent {$840.00} to my son XXXX XXXX XXXX XXXX for his school fees in XXXX and the next morning he went to the agent location to collect this money and he found that the money was already picked up by somebody else over there who faked his ID and used another face to collect the money. 
After carrying out investigation on what happened over there the authorities explained to me that XXXX has just XXXX zip code that is XXXX meaning that you can pick up money in any city so far as the money is paid inside XXXX 
My son 's leave in another city called XXXX which is the XXXX and the money was picked up in the XXXX called XXXX but now the authorities over there in XXXX asked me to call XXXX over here to get the proof of payment and forward it to them to financial institution that paid out this money over there because this transaction could only be carried out by the Banker that controls that financial institution that has XXXX services and the Cshier in charge. 
So after calling XXXX for several days now they ask me to contact your bureau so that you people can call XXXX customer care of which i have their phone number here with me and the details of the transaction. 

They said they could only release this proof of payment through you people as im gone to XXXX now to meet my Grand Father if he can help me to get some money while following this investigation because school has already resumed in XXXX and my son is still stacked at home because the hacker faked his ID and use it in collecting the money with the complicity of the banker and cashier in charge, So im writing you people to help me out in order to get this solve and the the XXXX direction will give you people the NAME OF THE XXXX STORE THAT PAID THE MONEY, THE STATE, CITY, THE CODE OF THE BANK AND THE NAME OF THE CASHIER THAT PAID THE MONEY, ,This can be in form of a receipt as they said. 


Here are the details of the transaction that i sent to my son that day. 

Amount .. {$840.00} Reference Number ... ... XXXX Sender ... XXXX XXXX XXXX XXXX ... .XXXX XXXX XXXX XXXX 


My phone number is XXXX XXXX XXXX XXXX XXXX ... XXXX Thanks and waiting

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery is knowingly reporting false information on my trade-lines ( XXXX and XXXX ) to all three credit reporting bureaus.They have an account in there possession and is reporting as an open, revolving account. According to Federal law, Portfolio Recovery is not allowed to report a factoring account and report a past due balance reflecting an installment loan. This account was not purchased in good standing, which would then entitled them to report as is. I have disputed this account, and asked for verification. They failed to respond in the required days with the information that was requested. This account is further negatively affecting my credit report and score due to this company 's false reporting. I demand that this tradeline be removed from all XXXX Credit Reporting Agencies due to violation of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA

Complaint narrative:
I was a victim of internet fraud. I ordered a vehicle and the sale/payment was to be handled through XXXX. This turned out to be a phony company posing as XXXX with their logo and everything. They had me do a cash transfer through MoneyGram to an " XXXX agent '' who would hold the money in escrow while the vehicle was delivered from another state. I had 5 days to review the vehicle and then if not satisfied could return it. 

I have subsequently contacted XXXX, MoneyGram and the local authorities and all have told me that it was a scam and that XXXX and MoneyGram are not responsible. I accept that but thought I would try to let others know of the scam and register the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Road Runner Collection Services, Inc.
State: WA

Complaint narrative:
I never received any notice to verify I owed or am responsible for this debt. I noticed this debt was in collections from XXXX XXXX only once I reviewed my credit report on XXXX XXXX, XXXX. I contacted the debt collector via phone, requesting verification and notifying the debt collector that I dispute all claims that I owed the debt reported on my credit report. The collector viciously argued with me and hung up on me twice, the first time when I was disputing the claim that owed the debt and the second time when I called to inquire the contact information of the original creditor and claims. The debt collector mentioned I did not receive bills or other information in regards to the debt because they did not have my information. The only information that the collector had was my name, date of birth, and SSN, which makes no sense and is not sufficient proof that I owe this debt or why I had not been contacted in XXXX, if I am so responsible for this debt. I have been denied of my rights to promptly, adequately, and sufficiently defend myself from such illegal, and inappropriate tactics used by this debt collector in recovering a debt that does not prove to be mine. I had never received any notice of this debt prior to me investigating my credit report on XXXX XXXX, XXXX and is when I found this debt on my credit report. I have never received any communications in regards to this debt, which has been illegally reported and misrepresents any debt in which I owe or am responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I contacted the FTC in regards to a credit reporting which I disputed, FTC was able to get it removed from my credit report, my credit report confirmed the removal, and now it 's back. Under XXXX XXXX for XXXX dental in the amount of XXXX, I want it removed again, I 'm disputing this claim as well.and is this legal for them to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Key 2 Recovery, Inc.
State: IN

Complaint narrative:
I received a letter from a company called Key 2 Recovery , Inc. in regards to a debt that I owe. The amount this so called company says I owe is {$5500.00} because of an unpaid student loan with XXXX College. 
Now I called this collection agency about this so called amount and they said its for a student loan. Yes I did go to XXXX College, but the money I took out was through FAFSA which deals with the DEPARTMENT OF EDUCATION. 
So all the student loans that I owe will be repaid through and to the Department of Education and not through a collection agency. This agency made a mistake by saying that I owe them money that I took out from FAFSA ( which goes through Department of Education ) for my college courses at XXXX College.

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 2015-07-27 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NE

Complaint narrative:
My money transfer was put on hold, due to a " need '' for additional information. Tried to call them was put on hold for almost XXXX hours, so I disconnected the call and redialed their number. Then after refusing to let them transfer me again, I told the lady whom I was speaking to that she needed to help me out, and that even though it was unfair of me to wait, I told her that she could put me back on hold, instead she disconnected the call on me. So at XXXX I decided to call them back. I got through to someone almost immediately, only to be place back on hold and that was XXXX minutes ago. Money gram is refusing to let me cancel the money order also, placing it on " A hold ''. I feel like this is against my rights because they had no problem taking my money but now I ca n't seem to get it back. I do personally know the receiver of the money, so I have no worries about it being a scam. I am still on hold after XXXX minutes on this phone call. The representatives on the phone were also very hard to understand as they did not speak clearly and understandable. They were also asking very personal questions, I understand they are just trying to make sure nobody is getting scammed, but after I have personally confirmed that I knew the receiver and there was no way at all it was a scam, they should have had no problem sending the money through. I am very displeased with this company and will no longer be dealing with them, and the same goes for the receiver of the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
I had reached out to XXXX over an outstanding debt of {$100.00} that they did not respond to my attempts to clarify if it was actually owed. They gave the debt collector my information yesterday, he called me 4 times today, my husband twice at work, and sent 3 emails one stating how disappointed he was that I did not pay my debt! I said I already settled it with XXXX and sent them a check, and he is repeatedly checking with them and telling me I paid nothing. I had to block his number. I received nothing before today from Caine & Weiner out of XXXX prior to this afternoon when I got so many phone calls and harassment, he then started sending all capital letter emails clearly stating that he was getting angry. This is NO way to treat a debtor, I was a XXXX and did XXXX for 7 years and I would never treat someone this way, let alone over a debt of {$100.00}!!!

Company response to consumer: Closed with explanation