vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Berman & Rabin, P.A.
State: CA

Complaint narrative:
After the account was settled in full per the settlement agreement dated XXXX XXXX, 2016, the attorney offices representing the creditor failed to file an Acknowledgment of Satisfaction of Judgment with the court. This non action on their part is causing hardship and additional expenses. This office is non-responsive most of the time or provides untruthful information : it was communicated that an Acknowledgment of Satisfaction of Judgment will be filed with the Court within 30 days ; it 's been 90+ days since they cashed the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CSO Financial
State: CA

Complaint narrative:
CSO Financial sent me a debt collection notice on XX/XX/2016, claiming that I owe XXXX for " XXXX XXXX Overdraft & XXXX ''. 

I have never had an account at XXXX Bank, and I do not owe this debt.

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 2016-08-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
Name of Creditor : Financial Control Services Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, TX XXXX Re : XXXX Amount : {$330.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlantic Credit & Finance, Inc.
State: TX

Complaint narrative:
A debt collection company that I send payments to is claiming that they did n't receive a payment that I sent in XXXX 2016. However I 've made payments in XXXX and XXXX which have applied to my account correctly. I 've tried to rectify this matter and two months later and still has n't been resolved. It is very difficult to speak with someone about my account, because staff are rarely available. At this time I still have n't been informed about the company 's status in tracking the payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 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: OH

Complaint narrative:
This collection agency failed to communicate with me clearly via their website and through their customer service department during a time in which I set up automatic payments of my debt. This lack of communication resulted in payments not being withdrawn and the company reporting this to my credit without cause. They provided me with NO documentation so I have nothing to back up claims. It then took 3 weeks to get someone to call me back so that I could pay off my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
i sent money threw XXXX XXXX XXXX the receiver in XXXX was told the money was paid out. I went back to the store n the manager said it takes a few more minutes.could you please help get the money paid

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AL

Complaint narrative:
I sent {$1700.00} and it 's been under review since XXXX I 've been on hold since XXXX and it 's now XXXX

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: PA

Complaint narrative:
I just got scammed, I had received a couple calls from an XXXX XXXX phone number XXXX on XXXX/XXXX/15 ( XXXX ), XXXX/XXXX/15 ( XXXX ), XXXX/XXXX/15 ( XXXX ) & XXXX/XXXX/15 ( XXXX ) stating I was approved for {$2000.00} and I even asked them and was approved for {$5000.00}, so all I had to do to get my loan was transfer the first payment of {$260.00} through MoneyGram to a XXXX XXXX in IL United States with no account info and would email me the confirmation # when it was transferred into my account and never emailed me a confirmation or text me when the money was in the account ; they ended up calling me back to ask if I was at the MoneyGram location and would help me thru it and I 'd get the money as soon as 30 minutes and as late as XXXX on XXXX/XXXX/15. The whole process took me an hour and half from work. I get a call when I got back to work saying the US government needs me to pay the taxes of {$420.00} ; that they deposited the money into my account but it was on hold from the government until I pay the {$420.00} but I 'll get it back ; I should 've known it was a scam because why would I pay out money if I did n't have money and was borrowing money and then pay out money again then they 'd give me my money, so now I 'm out {$270.00}. I finally went thru my bills last night and totaled up all I have due with store cards and all and it totaled {$4000.00} plus over an {$800.00} water bill from when we had the leak in the water pipe, I had a vet appointment for {$130.00} and I had borrowed the {$260.00} from a friend for the down payment thinking I 'd get the money back right away. I found this website : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO

Complaint narrative:
I friend XXXX dad sent me a friend request on XXXX last night and I accepted. He started off by telling me if I had heard from the XXXX and I said said no what is that? He said he had seen my name on the list and to text them at XXXX. I did because I know and trust him. He stated t he had received money and that since he seen my name on the list I need to contact them. I was connected to a XXXX XXXX and he asked me some questions and said I indeed was eligible. I had XXXX XXXX 's dad telling me me what to do through XXXX. I did what he asked and I sent XXXX through Money Gram this morning. Come to find out XXXX 's XXXX account had been hacked and I was not speaking with him at all. I did not know this at the time. I have made copies of all messages between both men. I was deceived and scammed by these men! I am on Social Security XXXX and can not afford to lose XXXX. I was up until XXXX researching this and did not feel right, but thinking XXXX was XXXX I trusted him. I am now out of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Cooper Hoffman Klein Associates
State: TX

Complaint narrative:
My wife, employer and I have received multiple calls daily for the last week regarding a legal matter. Messages state that court papers would be filed in my County of residence. When I return calls no one will give me specific information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 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: AL

Complaint narrative:
I attended XXXX XXXX and did not qualify for an certain amount of aid so I was told they would provide a private lending loan. I was not fully aware that these loans can only be put into deferment for only six months after me graduating. I am currently in school and can not make these payments. This degree that XXXX offered does not qualify for any jobs these days.

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 2016-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
XX/XX/XXXX we received a mortgage modification through the federal making homes affordable act. Later that year we had to file chapter XXXX. Because we were in bankruptcy our mortgage company stopped sending us statements. We continued to pay the amount specified in the modification and everything seemed fine. 

XX/XX/XXXX I logged into the banks website and the payment due had doubled. We had no idea why so we contacted them. Their help was minimal only saying there was an escrow shortage. We demanded an accounting of the account and a month later we received it. 

The document showed that XX/XX/XXXX some {$2400.00} had been pulled from our escrow account marked as 'POS escrow shortage '. When we contacted them to ask what that was for they could n't give us an explanation. 

It should be noted that XX/XX/XXXX we converted our chapter XXXX to a chapter XXXX. 

From XX/XX/XXXX until now we have continued to pay the modification payment while attempting to get an explanation for this missing money. They continued to demand double payments and continually put the payments we sent in into 'suspense ' all while demanding this extra money. 
XX/XX/XXXX their attorney filed a motion with the bankruptcy court to allow them to file for foreclosure due to us supposedly being late. When our bankruptcy lawyer sent a letter to their attorney demanding a accounting of the missing money they got nothing. Their attorney eventually tried to get the motion he had filed dismissed stating to my attorney that the bank had ignored his request for information about the missing money. 

My attorney brought this up with the judge today but the judge stated he would n't rule on it since the bankruptcy was going to be finalized within a week. He told my attorney he could bring this up in a state court ( during another foreclosure case ). 

So now we are stuck and within the next two weeks the mortgage company will be able to file for foreclosure even though they outright refuse to tell us where this money went. I have done an escrow sheet without the {$2400.00} removed and there is literally no shortage whatsoever. 
We have almost no means to fight this and especially since the mortgage company refuses any and all requests to account for the missing {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My home mortgage company Ocwen Loan Servicing , LLC took over our account from XXXX XXXX. They changed our online account access and we are no longer able access our account. We followed the enrollment process and they have made it impossible to access our account. We discovered they were pulling from our account almost 30 % of the need escrowed value. This is being done fraudulently. We have made repeated calls and got no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
WHAT DOES RACIALLY DISCRIMINATION MEAN TO A BANK / SERVICER / LENDER AND EVEN THE ATTORNEYS THAT REPRESENTS THESE AGENCIES? 
I got my mortgage loan from XXXX XXXX through a mortgage broker on XX/XX/XXXX. The loan that I agreed initially was not the terms that I signed during the closing. But before I signed the document, I called to the mortgage broker to get him to correct the errors. But the broker assured me that due to time restrain, we should proceed to closing and get he would get the pre-payment penalty restriction to be removed and Interest-Only changed. After closing I called several times but to no availed. Meanwhile I was still making my pay and hoping that the error would be corrected ; but to my surprise from the Servicer at that time ( XXXX XXXX XXXX ), I could not refinanced the loan without paying for the prepaid penalty. 
On XX/XX/XXXX, since XXXX XXXX XXXX was handling the file, I decided to request for the Beneficiary of my house Note. These requests continued until XX/XX/XXXX, when XXXX produced a fake name of a Beneficiary ( XXXX ) and address of which a certified mail was returned undelivered. 
On XX/XX/XXXX, the Servicing of my loan was transferred to Ocwen Loan Servicing. I continued to request the same Note Holder 's information and the title information, but always receiving partial documentation ; hoping that I would stop my requests. 
On XX/XX/XXXX, Ocwen handed my file to XXXX XXXX XXXX XXXX XXXX for trustee sale. I tried to contact the trustee by both telephone and a fax within 20 days of Notice of XXXX to talk to them, but they refused to answer my correspondence. 
On XXXX XXXX while the trustee was preparing to auction the house, I found a House Bill Report XXXX XXXX which proof that I was within my legal right to request all the documentations and also meeting to resolve the issue before even the Notice of Default could be issued. Even though, the Trustee stop the foreclosure for the " meet and confer '', it was for a short time. It was my understanding that Notice of Default could not be issued until " meet and confer '' had been satisfied. But, Ocwen Loan Servicing and XXXX XXXX XXXX XXXX had teamed up and turned a deaf ears on my requests since I 'm XXXX and having a house in a most sought for in a XXXX XXXX XXXX, had blindly ignore the law and continue to harass me with their premature foreclosure notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Healthcare Financial Services, LLC
State: LA

Complaint narrative:
I 'm disputing this account because this bill was paid to the originator XXXX XXXX XXXX XXXX XXXX, this account was paid in full on XXXX XXXX, 2014 in the amount of {$130.00}. I have contacted Healthcare Financial Services LLc and XXXX XXXX XXXX XXXX XXXX, asking them to remove this collection from my credit report but they refuse. 
XXXX XXXX XXXX XXXX XXXX, says that they never received my payment therefore forwarded this account to collection. I know I made this payment but not sure what might have happen in-between leaving my home address and reaching XXXX XXXX XXXX XXXX XXXX. I have the canceled check to prove that I paid this account. My goals are to show excellent credit worthiness to all my lenders and to have no doubt. I 'm hoping that XXXX XXXX XXXX XXXX I, can see pass this and delete from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
My name is XXXX. I keep getting calls from XXXX of TCS, phone number XXXX. The problem is this woman keeps calling me for a medical debt my daughter, XXXX has. My daughter does not live with me, and has n't since XX/XX/XXXX. Both myself, and my daughter have asked his woman REPEATEDLY to stop calling me. I work graveyard shift, and she wakes me up every time. She told my daughter the second time my daughter called that she completely removed my number from the file. I received another call yesterday, and I am fed up. This woman has threatened my daughter about ways to collect the money, and she has no business calling me. The only connection I have to my daughter 's car accident that this medical bill has come from, is that I had to watch my daughter in XXXX. Please do something about this woman.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Cooper Hoffman Klein Associates
State: IL

Complaint narrative:
Continuous calls from Cooper Hauffman & Klein. I have been ignoring their calls for months after my request for a debt validation letter was ignored. They continue to call and harass me multiple times per day. They use foul language, threatening tactics and will not stop despite my verbal request that all communication be by postal mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My mortgage payment was due on XX/XX/XXXX. Ocwen has not been willing to do a loan modification on our account. As a result, the payments have been due on the first of the month and I have been making my payments on the XX/XX/XXXX or XX/XX/XXXX of each month. The FCRA says that an account should not be reported delinquent unless you are XXXX calendar days past due. It appears that Ocwen 's logic does not comply with the FCRA requirement in XX/XX/XXXX that only has XXXX days this month. I made my payment on XX/XX/XXXX and they reported me as XXXX days past due ( XX/XX/XXXX would actually be day XXXX )

Company response to consumer: Closed
Consumer complaint received 2015-03-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: HW Holding, Inc
State: CA

Complaint narrative:
XXXX was hired by an apt complex that i had moved out of, with the rent fully paid, during this time they had mangement change, an they reported that i still lived there. i did n't i was living in XXXX.when i return i tried to rent an apt , to my suprize i had to pay this company off and i did, they said if i did n't was committing crime, an would go to jail.if i paid the money they would remove the debt and remove all trace of it from my credit records.i payed, they did nothing but cash the check.i have all there letters and phone calls.they then started to write bad remarks on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Computer Credit, Inc.
State: NY

Complaint narrative:
I filed a hardship charity request with XXXX Medical Center and they told me the debt would be forgiven

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Ocwen Loan Servicing took over my loan from Litton Loan Servicing XX/XX/XXXX, my contract with Litton Loan shows a deferment of $ XXXX which was documented for removal within 12 months if I stay on the property. After the 12 months when Ocwen Loan Servicing took over my mortgage they rolled the XXXX into my current principal balance of $ XXXX bringing my total mortgage to $ XXXX during another modification that took place in XX/XX/XXXX. I have called, written letter and shown proof that the XXXX removed from the principal balance under the legal agreement signed and notarized by Litton and myself. However, I am unable to speak with anyone that speaks English clearly, or that will respond to my claim. Letters have been sending to the research to remove the deferred under the Dodd-Frank agreement that was signed with Litton ; however, they refuse to acknowledge. I am not sure where else to go to to get help with the organization.

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 2015-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I made two payments in XXXX the first was taken out of my account on XXXX/XXXX/15 for the current month. The second they posted on XXXX/XXXX/15 and went through my bank on the on XX/XX/XXXX and was supposed to pay my XX/XX/XXXX balance but of a {$2200.00} payment only {$100.00} was posted to XX/XX/XXXX and it was listed on their web page as a suspended payment. They still show {$2100.00} still owing for XX/XX/XXXX. There is no where on their web page to pull a statement to see how the money was applied and we NEVER receive one in the mail. I called the customer service line, and he seemed as confused as I was and admitted that I was never behind. He told me it would be fixed but could not tell me when.

Company response to consumer: Closed with explanation