vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
This letter is to inform you of an issue I had while trying to make my XXXX 2014 and XXXX 2014 mortgage payments online with Ocwen Mortgage. My pay period is the last working day of the month and that is when my mortgage payments are made. On XXXX XXXX and XXXX XXXX, I tried to make the online payment at the website www.ocwen.com, and received a message that the system was down and to try again later. The system would not allow me to make the payment. Therefore, the payment was made via phone on XXXX XXXX. 
My credit report has since been pulled and I was notified that Ocwen is reporting two delinquent payments for XXXX and XXXX 2014. Once I was made aware of this issue, Ocwen Mortgage was contacted on XXXX XXXX, 2014 at XXXX. ; I spoke with a representative named XXXX. I explained the entire situation to XXXX and she informed me that I needed to write a letter explaining the situation to have this issue resolved. XXXX informed me since Ocwen Mortgage took over the loan on XXXX/XXXX/14, Ocwen Mortgage could not send any delinquent reporting 's to the Credit Bureau for 60 days. In addition, I called on XXXX XXXX, 2014 and spoke to XXXX XXXX # XXXX or # XXXX and XXXX stated when the loan is transferred, there is a 60 day seasoning and should not be reported. 
I take great pride in my credit scores and the information that is reported on my credit report very serious. We have been in our home for 17 years and have never had a problem until the loan was sold to Ocwen Mortgage. The mortgage has been sold several times ; however ; Ocwen Mortgage has been the worst. I sent a letter to Ocwen Mortgage to have the delinquencies removed and they would not remove them. It is imperative for Ocwen Mortgage to remove the delinquent payments from the credit reporting agencies as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen reports that I own them {$3400.00} in " Past Due Payments ''. History recorded below : INDYMAC sold my mortgage to Ocwen in XXXX 2014. INDYMAC told me to send my check to Ocwen, which I did on XXXX XXXX, 2014. Ocwen sends me my next statement dated XXXX XXXX, 2014, telling me my mortgage payment is due XXXX XXXX, 2014. I call Ocwen, and they just tell me the due date can not be negotiated, and that my next payment is due on that date. I sent a certified letter, no response. I tried several more times, but no response. I have been late ever since. There was no way I could turn another mortgage payment around in 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
We are ALWAYS current on our payments yet Ocwen continues to call EVERY DAY including SUNDAY to RE-DISCUSS that our payment is changing and that they received our insurance changes and all is well. this was discussed thoroughly with an agent over a week ago yet they keep calling to say the same thing! ENOUGH! 
Caller : OCWEN

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
I sent money to my relative but accidentally initiated it twice. I realized my initial error when the transaction came out of my bank account again, causing a overdraft, and it was returned. I called moneygram to fix the problem ( have the second item cancelled ), the representative stated they had no record of the second transaction, just the first. 7 days later the ach is processed again on my account, causes another overdraft and is returned again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
Recieved a call from a party claiming to be the IRS, party stated that there was a warrent out for my arrest, and that I had to pay {$5000.00} in order to satisfy XXXX tax evasion charges. I made XXXX MoneyGram transfers to people that I thoiught was the IRS. These transfers totalled {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
On the evening of XXXX XXXX, I attempted to use MoneyGram to transfer {$50.00} to a relative in upstate New York. After filling in all the required information ( including my credit card # ), I received an e-mail saying " We were unable to process your transaction online. '' I called the customer service number and was told that " security '' had halted the transaction. No further information was available. I was directed to go to a physical location to complete my transfer, which I did this morning. 
The physical location was a phone at a local CVS store. After entering my information, I was switched to a live operator who confirmed that the fee was {$5.00}, but that the ultimate fee could be higher. I asked how that could be and she gave the example that if I decided to wait another day to complete the transaction, the fee could be higher. I said I wanted to complete the transaction now ; would the fee be {$5.00}? She replied that the fee should be {$5.00}, but that they were required to read the disclaimer. I told her that I was willing to proceed, but that if the fee ended up being more than the {$5.00} initially indicated, that I would file a complaint with CFPB. 
A store clerk was needed to complete the transaction, and when XXXX was available, he told me that MoneyGram had n't sent the information to his computer. The MoneyGram operator did n't want to speak with the store clerk, insisting that he should know how to use the system. When I finally handed to phone over to him, the MoneyGram operator had hung up. I was unable to complete the transfer. 
As a final cap to this story, the CVS clerk told me, " They always charge {$10.00}. " I believe that MoneyGram 's practices are deceptive and that their fee disclosure is inadequate. I ask the CFPB to look into what, if it is not consumer fraud, is very close to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
This was an attempt to collect a debt for services that were never rendered. I was sitting in a dentist chair, had already been given anesthesia, and was asked to sign forms which I later found contained plans for work to be performed at future dates. I paid for the worked performed on the day I was there but was very unhappy with it so I never returned. When I began to receive bills for the anticipated work which was never performed I refused to pay. It would be like getting a bill from an auto mechanic for work he thinks he needs to do. The debt was turned over to collections so I paid it to avoid further damage to my credit. My credit report reflects the debt was satisfied but disputed, but remains on the report just the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Money transfer MONEY GRAM reference number XXXX, made in XXXX/XXXX/16, I request cancelation of this for {$650.00}, is XXXX/XXXX/16, they do n't refund my money to my debit card, I call they say was already credited to my account, I check to the bank online shows no credit, the money gran agent said, now my problem is with the banck, IM NOT agree with that, is bad service, this is not ok, they took your money in minutes then refund take long days, please investigate this..thanks

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

Complaint narrative:
I was approved for a loan modification through M & T Bank last year. After making the XXXX XXXX trial payments, I have been sending the modified mortgage payment to M & T Bank as agreed. However, M & T Bank has reported my account as delinquent to credit bureaus showing I have not made any payment since XXXX 2014. At the moment, my credit report shows I have n't paid my mortgage for XXXX months. This is not true, since they have been cashing the money I send them every month. My credit score has dropped dramatically since M & T reported the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: OK

Complaint narrative:
My wife and I co-signed on a mortgage for our niece and her husband. My niece had financial problems and was not making her mortgage payment on time. The mortgage company never once contacted or attempted to contact myself, my wife or my nieces husband. I only found out about the major delinquency when I went to check my Friday score. We have helped them get the mortgage up to date but the mortgage company refuses to reverse the negative data on myself and my wife 's credit. My problem with this is we were never notified so we had no way of defending ourself or helping get the delinquent mortgage up to date. When I contacted the mortgage company they had a hard time finding my wife and I information on the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Atlantic Credit & Finance, Inc.
State: TX

Complaint narrative:
Debt collectors have n't called outside of proper hours, however I am having an issue with debt collection companies not providing me with a receipt for my monthly payments. I 've spoken with multiple representatives and supervisors who always claim they 're going to resend it but they never do. A common practice for these companies is to only allow you to speak with XXXX person who is authorized to handle your account. The issue with this is very rarely is that specific person available to take my call and when I leave a voice message my calls are never returned. It is ridiculous that I have to make demands for something as simple as a payment receipt. These companies need to improve their customer service now!

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 2015-06-25 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: CA

Complaint narrative:
XXXX XXXX has sent a bill for services I never received to a collection agency ( DSG collect ). We have attempted to contact them to let them know that I never received any services for said debt.. After attempting to contact them XXXX times. We 've decided to file a complaint to settle this in a timely matter. and to get this of my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Atlantic Credit & Finance, Inc.
State: MI

Complaint narrative:
I was garnisheed by XXXX XXXX XXXX XXXX XXXX for a balance of {$150.00} and I never received a notice that I was being garnisheed until after the money was taken from my savings account with my credit union when they sent me the notice. I never even knew this debt still existed until I was garnisheed by XXXX XXXX XXXX XXXX XXXX. The notice that they sent to my credit union was supposed to be received by me within 7 days of filing and I did n't receive the notice until today which is XXXX XXXX, 2016. I never received any communication about this debt until I was garnisheed i.e. the only communication I received was from my credit union after I was garnisheed.

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 2016-06-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I made a deposit of {$10000.00} on XXXX/XXXX/2016. The deposit was supposed to be for {$9500.00} but i accidentally added {$500.00}. The teller counted the cash while i watched. She came up with {$10000.00}. She counted the money again with the counting machine and came up with the exact same amount {$10000.00}. I knew I had added {$500.00} by mistake and went through with the deposit. No problem. I got my statement for XXXX and noticed a " correction to deposit '' for - {$520.00}. I contacted the bank manager. She talked to the teller and her excuse was that she remembered that she did n't count it properly while i was there but apparantly she came up with a different figure after hours. Called M & T corporate and was told they could n't do anything about it. I still have not got my money back. The teller thought she saw an opportunity to enrich herself at my expense. She is a THIEF and should be prosecuted! I have a bank deposit slip that was forged and signed by someone at the bank. I did not sign it! The bank is at XXXX XXXX XXXX. XXXX, Md. XXXX. Phone # XXXX. The managers name is XXXX?. The tellers name is XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: GA

Complaint narrative:
This company has called several times for a XXXX XXXX and I do not know this person and I have told them repeatedly that they have the wrong number. I have received calls from XXXX, XXXX, and XXXX XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX respectively. These are only the calls I received this week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
On XXXX/XXXX/2016, I was contacted by someone trying to pose as XXXX, which is a legitimate company. They reached out via email to me and stated that they would send me a check for {$1700.00} which I was to deposit and and use for when I acted as a mystery shopper ( I have all of the email and text correspondence saved and can be submitted at your request ). ON XXXX/XXXX/2016, via USPS priority express 2-day mail, they sent me instructions on my role as a mystery shopper and a check for {$1700.00} ( I have the check, both in hard copy and electronic form that can be submitted ). The postage account was to a company called XXXX LLC with permit XXXX XXXX. They tried to cut off the return address but it is labeled as " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX-which is the address for the XXXX. I deposited the check into my bank account on XXXX. Due to my concern that this was a scam, I did not proceed until I saw the money in my bank account, which occurred on XXXX. On XXXX, I went to the Walmart on XXXX XXXX XXXX, XXXX IL to send {$1400.00} to XXXX XXXX, in XXXX TX, XXXX via MoneyGram. The reference number is XXXX. On XXXX, I was notified by my bank that the check was not real. I contacted Moneygram but the money had already been received. I spoke with my bank but they were unable to stop the payment or retrieve the money since it had already been distributed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I checked my credit report on XXXX/XXXX/XXXX and noticed a debt collection agency was on there. I have NO clue what this is, so I contact XXXX. They tell me to contact the agency. I have NEVER been given written or verbal notice that I even owed this debt. XX/XX/XXXX, I made a trip to my local XXXX. and was issued a bill. I was given a verbal arrangement via phone with the billing department that I could make payments. I was issued a monthly bill and paid regularly until XXXX when I stopped receiving the monthly statements. I assumed the bill was paid in full at that time. I contacted XXXX Hospital billing department on XXXX/XXXX/XXXX, since that is where the debt originated. I was informed that the debt was taken over by a collection agency called XXXX in XXXX. I had absolutely NO notice that this was taking place! I only learned about it yesterday, because I checked my credit report. I have NEVER been contacted by IMC, nor was I given notice by XXXX Hospital that they were giving my debt to a collection agency. Again, I thought the bill had been paid in full because I stopped receiving anything from XXXX Hospital. How can this happen and be placed on someone 's report without their knowledge? I have lived at the same address since XX/XX/XXXX and have had the same phone # for just as long. There can not be an excuse of not being able to contact me! Furthermore, it has apparently been sitting there for 3 years now. How do I go about getting this resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I received a money order from a tenant and misplaced it for over one year, but it was not three years old. It was purchased through Money Gram Money orders. Money Gram claims that it is no longer any good and needs to be reissued for a large fee. I understand that a money order in the state of Texas is not abandoned unless it three years old from the date of purchase under the Texas Property Code, Chapter 72 Sub chapter B page 4. It appears that Money order companies makes the own rules and regulation that does not coincide with state and federal laws to rip off consumers because of misfortune of an accident. 

I called Money Gram and they want a large fee to replace it. A fee had already been paid to purchase it so why would they not honor their check. Money Gram States on the back of their check, Not good after one year from date of purchase. There will be a non refundable service charge will be deducted from the face value of the check to be assessed where not prohibited by law. 

I called XXXX XXXX who the check was drawn on. They could not help. I called the Federal Trade Commission and they directed this matter to this office.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 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:
M & T bank has the worse communication, and customer service I have ever experienced! I have the response they sent the CFPB, and it states false statements about what I said when I called to file my dispute. I never said the person behind me saw my pin and took money out! I stated that my coworker stole my debit card, and has seen my pin before because I use the same pin for all my cards! M & T denied my claim, on a determination they made themselves and it was false, because I never said that! I want them to replay me that recorded conversation I had with their XXXX representative, and you will see if clearly state my coworker stole my debit! I have copies of all the messages and paper work I have sent them! This is crazy already, and this bank just does n't care, and make false statements too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION
State: IL

Complaint narrative:
I have a loan which I took out & have automatic payments set up. I went on a XXXX & when I went on a XXXX I had a payment that did not go through, which led to my payments being late every month after that. When I came back I called to see what I can do to take care of this issue & all they could say is that I could pay it off. They could n't change the fact that my credit score has gone down since I was not informed about the payment not going through. Now I am struggling with opening a new account, getting a loan, & other financial issues because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ

Complaint narrative:
We saw yorkies for sale on XXXX in XXXX. We texted to XXXX number that was in the ad : " Call or text anytime at. XXXX. : XXXX. :. XXXX ''. They responded by text that they relocated to Maryland but they could ship the yorkies. We transferred {$300.00} by moneygram to a person named XXXX XXXX, XXXX XXXX XXXX , XXXX, Maryland, XXXX. After we did this, we received an email from a shipping company asking {$850.00} for a crate to ship the dogs. We would get this money back at arrival of the dogs. 
We suspect this to be a scam.

Company response to consumer: Closed with explanation