vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC
State: WA

Complaint narrative:
I purchased a car in XXXX, which was financed with Flagship. When my first payment was due I established a user name and password on their website to process my payment. I processed the first 4 payments online without any issue. Then sometime after that I missed my payment by 5 days, which I requested to have my payment changed to the last day of the month, as that is when I get paid, and Flagship informed me that it is their policy to not accept any payments between the XXXX and XXXX, as I tried to login to make a payment I received a message that my login for online banking did not exist and I needed to call customer service. I called customer service and was informed that customers that are 1 day late are locked out and have to call customer service to make a payment. The caveat to making a payment with customer service, is you have to pay a {$10.00} processing fee. Now I realize I was late, however, most banks do give some type of grace period and even if there is a late fee you are not locked out of online payments. Recently Flagship changed the way they allow you to process payments. Now you have to login through the XXXX portal ( one option anyway ) and pay {$2.00} to process any payment. You no longer can just login and make a payment online with out some type of processing fee. It seems unfair that Flagship charges a fee regardless if your payment is on time to use they online system and if you call to make a payment, you no longer have to pay {$10.00}, but you have to pay the {$2.00}. If you elect to have reoccurring payments automatically out of your account there is no processing fee. So basically unless you sign up for reoccurring payments, you pay a fee to make a payment. 

Is it legal for Flagship to lockdown the XXXX - XXXX ( XXXX ) for payments? 
Is it legal or fair for Flagship to charge a fee for online and telephone payments? 
Is it legal or fair for Flagship to lockdown access to online payment processing when you are one day past due? 
Was it fair for Flagship to remove the option of making an online payment without having to pay any fee? 
I would like Flagship 's policies and procedures and reviewed for appropriateness. I feel this is unfair and deceptive acts and taking advantage of consumers with less than perfect credit.

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 2016-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been try to communicating with this collection agencies by asking them to provide proper documentation by validating that the account belong to me by showing the proper documents with my signature on it and make sure this account was opened by me and know one else. They refused to they just send print off stuff that im not aware of. I am willing to take care of account if it get validate properly

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: FC HoldCo LLC
State: FL

Complaint narrative:
Flagship calls me every day up to five times a day every time I am late on payment. Even, after I advise them I can not make the payment until a specific date ( the day I get paid ). Last week they contacted me at work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I renegotiated a mortgage wth M & T Bank during a bankruptcy proceeding.I have made prompt payments for over two and a half years on the new loan. The Bank refuses to send any information to the credit reporting bureaus depriving me of any credit rating. The bank during this time tried to collect illegal fees of over {$6000.00} that I had to hire an Attorney to get them to rescind. They now want a recommitment agreement which would put that fee back in play in order for them to report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I intended to sign up for a bank account with M & T Bank and all online materials indicated that all I needed to do was make a deposit from my debit card from another account. Once I did this, I was informed that they needed much more information. I asked to be refunded the money. They refused and replied that they could not release the funds without account verification. I replied that I did not want an account and they had no trouble taking my money therefore it should not be any trouble to return it to the card from which it was deposited. They will not give me my money back and are not assessing service charges monthly to systematically steal my money. My money is being held hostage by them. They took my money under false pretenses and now refuse to return it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-26 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: Kelsting Group, Inc.
State: CA

Complaint narrative:
In XX/XX/2014 XXXX evicted me from my low-income, subsidized unit -- the eviction was murky, and the reasons ultimately given, which I have in writing, was " other than non-payment of rent -- behavioral concerns. '' Still might seek legal action against this shady landlord ... 

XXXX thing they did was send me a bill for expenses that are by all rental laws I 'm aware of THEIR RESPONSIBILITY -- they own and manage the unit, and whatever they have to do to prepare it for the next tenant is their expense. Instead, they billed me, then, when I did n't pay them, immediate sold the bill to the first gullible collections agency ( not that I care for collections agencies, either, lol ) they could find. I 've tried disputing the bill, and have gotten no answer. Please help me resolve this.

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 2016-02-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
We recently bought a house. closed on XXXX XXXX. Our mortgage is serviced through M & T bank. Our first tax bill was taken care of by the title company who collected that money at closing. Our bank paid the tax bill as well resulting in our escrow being negative balance. We callled immediately telling them what happened and that they need to get a refund from town. A week later they received the refund, but are still telling us that we owe them the money for the negative escrow. we are NOT paying this. it is completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
Paid this XXXX for assistance to help with business credit and she never provided the service that was included in her invoice. She received my money and then stop responding to all calls, emails and text messages from me. I found out later that she is a fraud and uses fake ID and names so people will not find her. She also makes fake XXXX and a list of other fraudulent things. The number she uses is XXXX ; email addresses : XXXX & XXXX ; business address:XXXX , NV XXXX ; company name : XXXX or XXXX ; home address : XXXX , NV XXXX and Other names : XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: OH

Complaint narrative:
We have been scheduling our mortgage payment through our bank ( XXXX XXXX for scheduled payment prior to the due date each month. For XXXX out of the last XXXX months M & T has failed to cash our check in a timely manner and has blamed us for the late payment. They have charged us late fees and refused to remove them XXXX even when we have offered to take a picture of our XXXX account information showing the payment was debited from our account in timely manner ). We believe they have unethical practices and are just trying to cash payments late or say they " lost '' payments in an effort to make more money and collect late fees. They have even gone so for as to have there " mortgage assistance and debt collection '' department call me at work. This is beyond unconscionable. I have never been late with a payment and have never had trouble with making online bill payments with any other payee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
i was called on XXXX/XXXX/16 on my cell phone i returned the call to XXXX and they stated that i had a medical bill from XX/XX/XXXX, i tried to explain that i havent been to this place and XXXX insisted that i was the patient and they would not provide me with validation of the debt because the 1st collection notice was already sent and i must dispute and request this in writing. they called me again on XXXX/XXXX/16 i tried to explain that i have not received the validation of this account still as i did n't have a debt with them. they said they dont have to send me this and threated credit reporting my call was transfered to XXXX XXXX the manager and he said they wo n't send me anything unless i put it in writing the dispute. I 've tried to explain several times that i was n't the patient and had no idea

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JP RECOVERY SERVICES, INC.
State: NY

Complaint narrative:
JP Recovery Services contacted my XXXX XXXX XXXX in laws my husbands employer my XXXX sister and my daughter regarding a debt with a local hospital that I had a payment plan with - their unethical practices including telling my I laws and my husband employer that they were going to show up with documents - when I tried to contact them they refused to give their company name and at a second attempt I was put on hold and then sent to voice mail

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
On XXXX XXXX, XXXX I received a call form a lady pretending to be with the office of pretrial of investigation. The lady said her name was XXXX XXXX, she received case from attorney XXXX XXXX, who was attempting to collect a debt for a loan from XXXX XXXX. XXXX XXXX said, they had me on surveillance camera, they were coming to arrest me, she used the words felony, fraud, promissory, it would cost my family more to bail me out of jail. She then told me the best way to send the money was thru money gram. I went on the morning of XXXX XXXX, XXXX to the Walmart on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ; wired {$1000.00} to XXXX XXXX, to some XXXX XXXX, whom assumed to be some attorney working on behalf of some loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC

Complaint narrative:
This company XXXX contacted me on the phone. Ask had I applied for a loan? I said yes I had. They told me they could help and put me in contact with XXXX XXXX, the senior finance mgr., who then ask how much loan I need and what for. I told him to repair my car and pay some bills. I ask for {$1500.00} and he said no problem. Just go to my nearest Walmart. I went there thinking he would transfer money into my account after he took my banking information and personal things of my work and so forth. After getting to Walmart, he informed me that I had to pay the insurance amount of {$190.00} before getting the money in my account. I figured if I had to pay insurance to guarantee he get his money back, I may as well get {$3000.00}. He told me that would be {$290.00}. He ask me to stay on the phone while we made the transaction to Money Gram. After this was done he said he would call me back in 20 min., which he did to tell me XXXX would be giving me the loan. A person from XXXX called and asked me to verify my information. Then tells me that this is a loan company I 'm borrowing from and there will be a {$480.00} fee to pay before I can get this money transferred to my account. I refused and called back to XXXX XXXX XXXX for a refund because that is not what I was told from the beginning. XXXX XXXX continues to tell me if I pay this {$480.00} they will deposit money in to my account. This is the information given me. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Fla. XXXX, loan confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
approximatley 3 yrs. ago my mortgage loan with Indymac was sold or transferred to ocwen debt collection-loan servicing company. it has been a consistant battle with them since then, regarding payments i send on time and then they will hold the payment till it 's considered late so they can collect late fees, then indicate they will foreclose on my home. i have documentation of the paper work they send re : this. i have documented all the phone calls of when, person 's name and id # & time of calls. i ask if it will be recorded. they say it is. i had to miss a payment in XXXX 2015. i called XXXX, told them it was just for XXXX, explained why, asked if it was ok and if there would be any penalties or issues of foreclosure. cust. service said a XXXX time XXXX month payment would not have any effect and my account was in good standing, and that it would be fine. so, i did not make XXXX payment. i made XXXX and XXXX 2015 payments on time and have been harrased by collections dept. @ ocwen, recieved paper work from them giving me options to short sell, give deed in lieu of and foreclosure. i call them about this and am told to disregard it because it is automatically sent by their system. then i am sent more paper work re : foreclosure issues. and they applied XXXX payment to XXXX and then they applied XXXX to XXXX. more foreclosure paper sent to me. i sent the funds required to them on XXXX XXXX and then XXXX XXXX 2015 to be caught up and they withheld paymenys till they were considered late again. this is my complaint.. i am very concerned they are sabotaging all the payments i send so they can foreclose on my house. indymac did this as well just before they gave my loan w/them to ocwen. i had to hire attourney 's to stop foreclosure then. please instruct me on how to get ocwen from doing what they are doing. Thank-you. Sincerely XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Ocwen continues to report to my credit bureau erroneously. In XXXX I purchased a condo on what I now know to be an XXXX purchase loan package. The condo foreclosed in XXXX XXXX. Under XXXX. XXXX XXXX, I am protected from anti-deficiency on purchase loan. After repeated efforts to clear this since XXXX, Ocwen continues to report it as owing and delinquent. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UMPQUA HOLDINGS CORPORATION
State: OR

Complaint narrative:
On the morning of Tuesday, XXXX XXXX, I received a call from my homeowners insurance company letting me know my annual payment was overdue. This payment should have come from Umpqua Mortgage and was due XXXX XXXX. 

I called Umpqua to find out what had happened. I waited on hold for a long time, than eventually opted for the " get called back without losing your place in the queue '' approach. I finally received the call back at XXXX. The rep I spoke to made no attempt to investigate or solve the problem, merely telling me that she 'd pass my information along. 

On XXXX XXXX, I received a notice of cancellation from my insurance company. I checked on their website to verify that the insurance remained unpaid. It was, so I sent an email to Umpqua via their website. On XXXX XXXX I heard back from XXXX XXXX. Her email stated, in part : " I have taken care of the insurance issue. '' I asked to know what had happened and she said she would send the information in the mail. The premium remained unpaid, however, until I finally paid it myself late in the day on XXXX XXXX. Or maybe I should say I " re-paid '' it, since I had already paid the money to Umpqua as part of my escrow. 

Today, XXXX XXXX, I received a letter from Umpqua stating that they mailed the check on XXXX XXXX. There was no information concerning why they failed to pay prior to XXXX XXXX, why it took two hours to connect to a customer service rep on XXXX XXXX, why my phone call on XXXX XXXX resulted in no action, or how they intend to regain my confidence. As I write this I 'm out the {$640.00} insurance premium twice. I expect to eventually receive a refund of my payment from the insurance company, but in the meantime this has cost me money, time and aggravation. And now I feel like I ca n't trust Umpqua to do their job.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CITYWORTH MORTGAGE LLC
State: GA

Complaint narrative:
CityWorth Mortgage refuse to give or sign the release form for my apprasial I have sent a formal letter of request which is enclosed in the documents and this company refuse to do it.

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 2017-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I have owned and lived in my house for 44 years and never had a problem making the mortgage payment. However, a few years ago my loan got sold to Ocwen Loan Servicing. they randomly sent out an inspector to my home in 2014 and he claimed that I had to redo my roof. Ocwen used this to try and justify cancelling out my insurance and forced me to use their insurance company, which cost way more. I could barely afford my payments when they did that, and in that same time period my wife had to have XXXX. I had a large co-pay and was not able to keep up and fell behind on the mortgage. Now Ocwen is dragging their feet and refusing to negotiate with me and pushing me into foreclosure. 

I tried on many occasions to make some progress with Ocwen to try and get them to remove their force placed insurance so I could get back to my more affordable policy but made no progress. I also tried to get Ocwen to work with me to restructure or modify my mortgage loan, but feel that I have run into a brick wall. I ended up hiring a third party to assist me with Ocwen, but after a year of providing documents over and over it feels like no progress has been made. I am semi -retired but still do electrical estimating work and my wife is receiving XXXX, so we have the means to make a fair mortgage payment. Our issue is that our mortgage company Ocwen created a problem when one did not exist and put their greed and profits ahead of the people who live in the homes they financed. My father built this home and I have lived here over 40 years. I never thought it would come to this. I just want to get back to making regular mortgage payments and put this behind me but have been unable to do so because of Ocwen 's failure to communicate and negotiate fairly.

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: Ocwen Financial Corporation
State: SC

Complaint narrative:
failure to provide mortgage statements for the past three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc
State: IL

Complaint narrative:
I have been contacted by them numerous times and each time I have asked them for an itemized bill to verify the amount owed. I keep getting different responses from them from " we do n't have to give you XXXX '' " well why do n't we just settle the debt so you do n't need XXXX '' " just pay your bills you do n't deserve XXXX ''.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Mortgage was sold to a new company ( XXXX partnered with XXXX ) and old collector ( OCWEN ) never informed about the transfer. We do n't know if transfer is legitimate or not. We do n't want to send payment to a false collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am not receiving a statement of any kind for our mortgage. Have contacted their customer service dept by phone and email the last few months but have been unalble to get the matter resolved. Not sure if they are being deliberately obtuse or are just poorly trained/uninformed. Would appreciate any help you can give us to resolve the matter. I do n't like paying my money but not having any info on how that money was applied!

Company response to consumer: Closed with explanation