vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Midwest Recovery Systems
State: IA

Complaint narrative:
I am a victim of identity theft and someone stole and used my personal information to open up an unauthorized and fraudulent account with XXXX XXXX XXXX. I have never applied for an account with XXXX XXXX XXXX. I have been receiving harassing and threatening telephone calls and death threats from Midwest Recovery Systems representatives in regards to the unauthorized and fraudulent account that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Hillcrest Davidson & Associates
State: LA

Complaint narrative:
I have had more than one agent from this company call me with a rude tone concerning the debt. I told the first agent that called that I did not owe the debt and would like to dispute the debt. He told me that I had to do the dispute on my own. I informed him that I would call my lawyer concerning the matter. He told me that I should n't waste my money and learn to pay my bills. I told him that was n't his concern. He stated that if I had enough money for a lawyer, I should pay them. Then he hung up the on me. I called back and spoke to XXXX different supervisors who told me the same thing and also hung up on me. I called back a 4th time and was told not to call back. About a week ago, I received another call from the company. This Representative told me that he would cause my credit score to go down XXXX points if i did not give him {$440.00} to restore the service or {$800.00} to cancel the debt. I told this agent that I wanted to dispute the claim and their agency has been very rude. He again hung up on me. I called back to speak to a supervisor. I explained to him all of the problems that I had in the past with this debt. He said well it sounds like you just do n't want to pay the debt. He then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters started collecting {$100.00} per month for a debt that was owe to Rise credit. National Credit Adjusters stop collecting the {$100.00} per month, called me XXXX XXXX, 2016, to inform me that {$100.00} per month was not acceptable any more after they were collecting {$100.00} per month, I ca n't afford to pay any more at this time. If they could not accept please send my money back. My wife was not included in this loan, just me.,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Service Finance Holdings, LLC
State: FL

Complaint narrative:
My husband and I signed a " Retail Installment Contract '' with Service Finance Company , LLC for the purchase of new laminate flooring for our property in XX/XX/XXXX, with a set payment amount each month. When we began the process of selling our home in XX/XX/XXXX, we discovered that a lien had been place on our home for a past due payment to Service Finance in XX/XX/XXXX. We never received paperwork or notification of this lien. The loan balanced was paid in full when we closed on our home in XX/XX/XXXX. Service Finance, LLC ensured us that this loan was only an installment loan and was not tied to a mortgage on the dwelling, however, the credit bureaus have this loan classified as a mortgage account. Service Finance, LLC will not appropriately reclassify the account after multiple attempts to resolve this error at the consumer level.

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 2015-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
A man called and said he was with Dynamic Recovery Solutions ( he called my cellular telephone ) did not identify himself 'only that we wasnted to discuss a personal issue. 

I did not call back -after I read Ripoff report and all of the other compliants on line. They did not even say who they were calling for. 

Seems like a scam

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
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 resulted from identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from MERCANTILE ADJUSTMENT BUREAU I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MERCANTILE ADJUSTMENT BUREAU in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
For the past five years Ocwin has what we believe is an effort to lose our payments so that they could annul our loan modification. If we get behind on our payments we lose several benefits that must be paid by the lender. They been successful by changing our payment amounts then charging the difference the next month, on several occasions simply rejecting our payments without notification. However this complaint is about Ocwin scrambling our payment history when we decided to push back against the most recent lost payment. Please see attached reported current history from Ocwin. We can not make a determination of our owed payments with Ocwin because they refuse to give us an accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was in the middle of a loan modification when Ocwen Loan Servicing sold my house. The stated that they notified me by mail but in reality the notice had been mailed to XXXX, California which is nowhere near XXXX, California. When I had been going through bankruptcy last year they had tried to sell it as well. I had been in contact with my relationship manager and even had an appointment for a few days after it was sold. I do believe my loan was robo-signed previously because none of the names that was on the paperwork were real people at any of the companies. 
The other day when I had called XXXX XXXX to get information about my loan I was told they did not carry the note. That I was nowhere in the system neither was the loan number. The next day I received a XXXX letter from XXXX XXXX stating they did carry the note. I also believe they may be somehow part of Ocwen as the gentleman, out of nowhere, stated they were not sister companies he had already asked that. 
The gentleman who bought my home said he understood my dilemma and would allow me until XX/XX/XXXX to find a place to live and move out. On XX/XX/2016 he served me with a 3-day notice and then on XX/XX/2016 he served me with an unlawful detainer. I have told him I am willing to move but due to the holidays and due to my lack of rental history it has been a problem. This gentleman told my XXXX year old tenant and her caregiver about the house and it has cause my tenant very bad health issues. He has been harassing and bullying me as he wants in the home to go through it and already wants to get a pool person over here to look at the pool. 
Accoring to the Homeowners Bill of Rights, this mortgage company needs to be put on notice that they have done a dual track foreclosure and that is against the law. I would also like to know that the bids were as the house was sold for much less than what was owed. Why were n't we guaranteed a single point of contact from Ocwen? Why was the Notice of Sale mailed to XXXX, California? I would like to readdress the violations of this company. There are tenants in the home and according to the Homeowner Bill of Rights, they have at least 90 days before starting eviction processes. Ocwen has copies of the rental agreements and past rental receipts as they were part of the modification paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: HW Holding, Inc
State: CA

Complaint narrative:
I submitted a complaint regarding the debt collection agency, Hunter Warfield to the CFPB because they were giving me great difficulty in resolving my debt. When I initially contacted them they offered me a repayment rate that I initially could not accept. Later they changed that rate and then refused to negotiate a repayment rate of any kind saying that I had to pay in full. After contacting the CFPB, Hunter Warfield agreed upon a repayment rate. They then responded to the CFPB saying that we had successfully resolved the issue. Although we agreed upon a repayment rate Hunter Warfield refused to provide me with an agreement letter stating the terms of the repayment. They also refused to provide me with a receipt for the each payment that I made. In my mind this is not full resolution. I would like a letter stating the terms of the new agreement. My original complaint number is : Case number : XXXX. 

Thank you for your help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
We sold our house in XXXX 2014 and we received the FULL RECONVEYANCE along with a check for the money we made from the sale of the house. We did n't know until now when we are trying to buy a house that OCWEN destroyed our credit because they said our house was paid for less than the balance. I have been fighting with them for months and they now say we owned them almost {$10000.00} and they refuse to clear our credit report to show the house was paid in full. The title company and the Escrow company has even been involved and does not understand. OCWEN claimed they voided out the payoff quote and gave a new one however, no one ever saw it and it was done after the house was paid in full and we received our FULL RECONVEYANCE. Again, they refuse to change our credit reports and they claim we owe them almost {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: MI

Complaint narrative:
On XXXX XXXX, 2015, I called M & T Bank to inquire about options to assist me because of a family emergency and may have trouble making my Mortgage Payment that month. I spoke to a Representative named XXXX XXXX at ext XXXX. She proceeded to tell me about options that were available to assist. However, in the in depth conversation with her I asked several times that if I accepted XXXX of the options, would it negatively impact my credit. She insisted that because I had never missed nor had a late payment that this was a service available to me based on my excellent payment history. She was deceptive in explaining the options and led me to believe that I could skip a payment and add it on the next XXXX months payments without any impact to my credit report. I felt confident in accepting her offer based on inaccurate information. I indicated repeatedly to XXXX XXXX that if it would impact my credit score negatively, then I would prefer not to take the option. I let her know that I have never made a late payment on anything and did not intend to start now. XXXX XXXX assured me that I had nothing to worry about as long as I successfully complied with the payment plan. I made my XXXX payment on XXXX XXXX, 2015 according to the agreement, however, because I check my credit regularly I discovered a XXXX day late payment reported by M & T Bank. I contacted XXXX XXXX to try to resolve the matter and opted out of the payment plan making all scheduled payments as originally agreed. No one has tried to listen to the recorded conversation to rectify this matter. I have called insistently without a resolution or reply. I feel that this is a discriminatory act and a violation of the Fair Credit Reporting Act. I wish to have this matter resolved and the late payment corrected with all XXXX credit bureaus. This has reduced my credit score by XXXX points and negatively impacting my life. Please help to resolve this matter, I take my credit very seriously and due to false information, I was tricked into jeopardizing my excellent credit rating. My loan is in good standing and I am not in danger of losing my home. I simply want the late payment removed because it is tarnishing my good name which could possibly result in higher rates and negative actions from other companies that I have credit with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NV

Complaint narrative:
My son used MoneyGram to wire some money to me. I provided all reference numbers, I also sent a copy of my driver license. This was done because " MoneyGram '' put a hold on the funds, stating as per a " XXXX government watch list '', they had to check my name against possible names that they do not do business with. I XXXX attempted to retrieve the funds on XXXX XXXX 2015 at XXXX PST., it is currently 8XXXX PST. and all the customer service person has been able tell me is the matter is under review. This in spite of the fact I was able to retrieve money from the same company on this very same day. I informed them this was an emergency and the delay in processing this matter would be and has been injurious to me. I made XXXX different trips to the store to get these funds, because I was informed by MoneyGram customer service the funds were available only to discover there was yet still a hold, in direct contradiction to the conversation with the agent on the telephone. 
They however insisted the matter is under review, without disclosing what matter needed to be reviewed, other than my name. So I can only conclude they, under some authority can with withhold funds simply because of my name, for I have done nothing wrong, and they would not provide an intelligent answer, when I asked why ... other than the matter is being reviewed. This unseemly delay has caused great distress for me, and I fail to understand why this matter would take XXXX hours or more. In addition to the fact that they provided the funds for the other transaction that was presented to them, at this point I am without the money that my son sent or a reasonable explanation. I am an XXXX citizen, born in XXXX XXXX, CA. Please help me regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Adding money — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
moneygram refuses to refund money sent on a masterd walmart prepaid card of XXXX and also XXXX did not receive my loan on XXXX XXXX XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 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: TX

Complaint narrative:
After noticing a medical collection debt that I did not recognize reporting to the credit bureaus, I disputed it through equifax on XXXX XXXX, 2016. On XXXX XXXX, 2016 it was returned as verified. On XXXX XXXX, 2016 I mailed a Texas Debt Validation letter requesting proper verification of the debt under the Texas Finance Code. I have not received any type of response verifying the validity of this debt, however Financial Control continues to report this debt to the credit bureaus blemishing my credit history. I have pasted the contents of the letter below : Financial Control Services XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX/XXXX/2016 via XXXX mail Re : # : XXXX To Whom It May Concern : I dispute the validity of and request verification/validation of this debt per Texas Finance Code. This letter is not to serve as acknowledgement of the debt, rather a request for further information. 

For the purpose of validation, please provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. XXXX ( a ) ( XXXX ) Texas XXXX bond information as required by Sec. XXXX Furthermore, I request immediate notification by mail if this alleged debt is sold or transferred per Sec. XXXX ( a ) ( XXXX ) Please reply with your response via XXXX Mail. 

Sec. XXXX. CIVIL REMEDIES. ( a ) A person may sue for : XXXX XXXX XXXX injunctive relief to prevent or restrain a violation of this chapter ; and XXXX XXXX XXXX actual damages sustained as a result of a violation of this chapter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: NV

Complaint narrative:
Payments are not being applied the same way they were in the past since my loan has been purchased and moved on. ( I have not refinanced )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I had not known that the fraudster over at IDA had changed companies to XXXX, and as such I have been unable even through the CFPB to insure that the Freeze that was in place while IDA was handling my case was still in effect when XXXX took over. However I have been unable to even receive verification of this, and even XXXX of the CFPB asked me to obtain this and I AM UNABLE TO DO SO. This is a clear violation of the law.

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 2016-02-28 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO

Complaint narrative:
we where trying to buy a dog, after agreeing on the dog to buy we transferred them money as payment for the dog and shipping. after they received it they told us that they needed more money for shipping, we told them no. ( they asked for {$1400.00} ) after talking and came to no agreement we asked for a refund and that we are no longer going to buy the dog, they told us that they can not refund us the money cause they had already spent it. i have contacted money gram over this, but do to language barriers it was hard to understand them, i be leave they are making a report on this and going to email me about it, i will fallow up with them more.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 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 HP sears for XXXX 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 2016-12-07 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:
The M & T online banking website was updated around XXXX XXXX 2016. The new online banking software would not allow me to login because the website requested my location. I have used my same laptop to login to this website since I had these accounts for around a year and a half. I have used this laptop for all my banking and bill paying and still do. I currently use this lap top to login to XXXX other online banking accounts and they all work fine. I have only had a problem with M & T online banking website allows me to put in my ID and password then gives me an error saying that I need to turn on my location services on my lap top. Why does M & T online bank services need to know my location now? Does it matter? This is the reason that it gives, for me not being able to login and transfer my funds. M & T login banking did n't need my location for the last year and a half. Not being able to login for this reason has caused me to be charged horrific fee 's. I had money in another account that should have been used to cover the debits and checks that I usually debit every month. This bank continually charged my account multiple times for the same incident for insufficient funds when I had money in another account, that had not been transferred. XXXX XXXX 2016, my system of banking was upset by the new M & T online banking software failing to let me login because it did not know the location of my laptop, when in the past it did n't need to know the location of my laptop. I have been a excellent account holder, never any charges for insufficient funds or anything, never. I have excellent credit. I am an educated consumer whom follows the rules and avoids fees and charges by the bank on accounts. I really think the M & T updated website was designed to create this location error so that they can get rid of consumers whom they do n't make much money in service fees. I would like to present my laptop to your bureau to show how they used this deceptive practice to extort money out of smart consumers. I worked for 40 years in the technical industry. I build computers. Please allow me to show you my laptop.

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