vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-02 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: Duncan Solutions, lnc.
State: GA

Complaint narrative:
XXXX XXXX claimed they had a parking ticket for XXXX of my trucks. I wrote letters to the collection agency that contacted me and the City of XXXX. I expressly told this collection agency NEVER to contact me again. The City of XXXX gave me a court date. The ticket could not be found in the system and they dismissed any so called tickets. 2 days later the collection agency sent me a letter claiming I need to pay the ticket.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
Ocwen has not responded to our request to validate our debt. Specifically, our mortgage was bundled in with several fraudulent activities including, Robo signing, improper disclosure of interest rate calculations prior to closing, illegal handling and reporting of escrow account payments and credits, and improper crediting of payments under federal modification agreements. 

All amounts said to be calculated or previously owed have not been accurately reviewed or proven to be correct. 

A request was made in writing disputing the validity of the debts, calculations or interest, subject to federal and settlements and legal proof to continue to be able to report all facts represented in the consumer credit report. 

This request was certified return receipt and has yet to be answered with any proof or mere correspondence, but continues to be an adverse action on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Asset Recovery Solutions, LLC
State: AZ

Complaint narrative:
Private Loans requesting repayment after XXXX years default. 2001, Chapter XXXX, relief with private student loans listed. I thought these were discharged but they keep contacting me with pay requests. Do I pay even though private loans listed on bankruptcy?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Ocwen/Homeward Residential continues to use fraudulent assignments of mortgage in legal actions. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Revenue Recovery Corporation
State: TN

Complaint narrative:
I have an account on my credit report for a bill for utilities company who was paid in full and now apparently still showing open and sold to a collection agency. I did n't have any knowledge about that before I check my credit report currently.

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 2016-06-13 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Kingston Financial, LLC
State: TX

Complaint narrative:
Kingston Marketing LLC a company I never heard of contacted me through a automated system leaving voice messages on my cell phone on today XXXX XXXX XXXX. I received these cell phone calls of a collection scam department leaving me a bill from my account and last XXXX digit of social being scammed by this Company customer service team at their LLC phone number XXXX. The lady transferred me to a Manager who caught the lie of the worker saying this Company have a 2011 payday loan in my name. They brought up I owed XXXX XXXX and XXXX XXXX so their Manager said Kingston XXXX will be taken off file I disputed but I just told this Company their scamming me so I need this Complaint documented I do n't know how many Companies do this but I have been scammed and had to pay collection companies that I do n't know about and a affidavit did not help me recover thousand of dollars I had to pay just to not be harassed but after this Company I am explaining got my personal information through the Government I need to send it over to Consumer Finance which is this Company to get rid of this Company having my Government and telephone information on their recorded line. They stated my information I did not provide it so I can only get this Complain in so it stop today this year not next week.

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 2015-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We believe that Ocwen Loan Servicing used " unfair and deceptive acts '' while servicing our loan. That Ocwen did not have " reasonable '' policies and procedures in place.That Ocwen did not reply to us in a timely matter, if at all, when we sent them concerns or information on our account. That Ocwen charged us for an escrow account that we did not need. That Ocwen never provided us with an escrow account analysis or an escrow account statement. That Ocwen started a foreclosure process against us without proper procedure. That Ocwen imposed improper fees against us. That Ocwen 's bookeeping is very confusing, if not questionable. That Ocwen, with all their negative reports on our loan, have destroyed our credit. 
We are including a timeline of events for our loan, some comments pertaining to our loan, and exhibits to verify our claims. These items are on the attachment connected to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT This is a new complaint written on XX/XX/2017 addressing Ocwen Loan Servicing 's illegal attempt to sell my home scheduled for XX/XX/2017. 

For the fourth time, Ocwen Loan Servicing is attempting to illegally sell MY home. I have had to file previous complaints to address the previous three illegal sale attempts of this entity. Once again, Ocwen Loan Servicing is in gross and blatant violation of CFPB regulations, federal and state law, and a consent judgment governing their behavior. What is it going to take to stop the illegal behavior of this entity? 

We have been struggling to have our mortgage modified with Ocwen Loan Servicing for a number of years now. We have always qualified easily for a modification, but this company has done everything they can do to avoid modifying the mortgage. They have instead continually attempted to foreclose on us illegally, in clear violation of CFPB regulations. Because of a consent judgment against Ocwen Loan Servicing, this company is required to follow a very specific modification process and they are required to modify the mortgage. Ocwen Loan Servicing is completely out of control and we desperately need protection against their endless unlawful attacks. It is likely that the activities of this company are negatively affecting many Americans. 

Specifically, through their haphazard implementation of a fictitious modification process, Ocwen has continually disregarded numerous provisions of the Home Affordable Modification Program ( HAMP ) enacted under the Troubled Asset Relief Program ( TARP provision of the Emergency Economic Stabilization Act of 2008, Pub.L. No. 110- 343 ; 122 Stat. 3765 ; 12 U.S. C. 5201, 5211-5241 ; 5219 ( a ) ), Regulation X, 12 C.F.R. 1024.41 ( g ) and ( j ), Regulation X 1024.35 ( b ) ( 10 ) and other laws over and over again. 

In addition to the modification problems, they have also been dual-tracking me by continually attempting to foreclose on me while I have been in the active modification process the whole time. We clearly and easily qualify for a modification, and these people know that. Blatantly attempting to foreclose on and steal the home of someone who clearly qualifies for a mandatory modification is a grossly criminal act. This complaint should be referred to the appropriate authorities for criminal prosecution.

Company response to consumer: Closed
Consumer complaint received 2015-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I received a letter from my Chapter XXXX Trustee that stated that Ocwen was paid {$530.00}. I reviewed my payment history, and it does not look like Ocwen Credited this amount to my account anywhere. I am attaching a copy of the letter so that you department can review it to validate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I recently received a letter with a refund check from M & T bank. It said " On XXXX XXXX, XXXX, the Consumer Financial protection bureau published an order related to certain M & T free checking and totally free checking account open between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. '' And based on the order, I was eligible for a refund of {$56.00}. But {$41.00} has been applied against the overdrawn balance currently outstanding on the account. BTW, this account was closed in XX/XX/XXXX and I was n't aware of overdraft status. Based on a phone call with a bank representative, this overdraft status was resulted by the charges that the bank was order to refund me ( there was {$14.00} charged four times ) and the account was n't closed properly. I feel that it is unfair that they charged me with unfair charges to begin with, then took the refund away from me due to the overdraft charges resulted by these charges. I called them and they deny any of their wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 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: MI

Complaint narrative:
XXXX XXXX XXXX is reporting under 3 credit bureaus duplicate accounts that they have not verified

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I have paid the debt. It was already removed from my XXXX but has not been removed from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: GLOBAL SOLUTION BIZ LLC.
State: PA

Complaint narrative:
The third party company XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX for XXXX XXXX contacted my daughters cell phone in order to contact me for a Debt that over XXXX years old well exceeding the statue of limitations in XXXX of XXXX years. When I contacted them they threated by stating to sue for an amount triple of the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Berman & Rabin, P.A.
State: GA

Complaint narrative:
About 10 days ago I was contacted by a law firmBerman and RabinThe collector asked if I was XXXX XXXX I said yesThey did n't verify my first name at allThe collection representative began to tell me that I had an outstanding balance from finger hut for over XXXX dollarsI told her I did n't have that large of a balanceShe asked if I was XXXX XXXX I said that is my wifeshe continued to tell me about the debt I then told her in the state of Georgia the spouse is not to be contacted and if was state law that her information was confidential and this is XXXX party disclosure she continued as if she knew the lawI then asked for her Supv she hung upI called back to ask for the manager they started acting like they could n't here me on the phoneI called the next day to have a manager to complain they said a manager would call backAs of today I have n't heard from any managerI would like the recordings of all of the conversationsto my number XXXX and all of the calls as wellI am filing a lawsuit for third party disclosure and anyother Udaap and Fdcpa violations this firm has committed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
The M & T Bank sent me a letter offering a pre-approved personal loan up to $ XXXX which I did not reply, later it sent me an email with the same offer and again I did not reply, then the Bank gave me a phone call with the same offer and I accepted based on the offer declaring that it was to be based on no collateral and that it was to be for my own personal expenses with a very easy criteria. As it declares for using the money like this = " ... or simply be prepared for the unexpected. '' Then after I met the criteria including a XXXX credit score, and this Bank refuses my request of a small loan for {$2000.00}. ( the lowest available amount ) based on this reason, quote = " Ineligible Purpose For Loan Request. '' If I had wanted to buy an old used car for $ XXXX then I would have got a car loan, and if I wanted to buy a product then I would have used my M & T Credit Card which has a {$2500.00}. limit, but the offer was for a " personal loan '' and the Bank refuses the loan when I am doing exactly as their pre-approved offer asked of me. As such the Bank lied to me from the beginning through till the end as the loan rejection is a lie too because I met the criteria in full. I can not say if this breaks a Banking law but it was a breach of contract with myself, because the Bank broke its own words, broke its agreement to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
My Loan was transferred from XXXX XXXX XXXX XXXX M & T bank on XXXX/XXXX/2013 after never missing a payment but we had applied for Modification and they did n't tell M & T, I had perfect credit or M & T would not have bought the loan. We sent the first payment in XX/XX/XXXX from my billpayer company at my bank. Which I have the check and the statement proving it cleared. They have reported the payment as a bounced check and ruined my credit. I have a letter from them stating XXXX took the money from them. Because of XXXX mix up. Does a bank get to lie about you make up lies about your payment charge you thousands in fees and ruin your credit due to an error in paperwork between the to banks. I am XXXX and being bullied by this bank Is there anyway you can help??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I never received a statement for a payment, when notified I immediately made a payment by phone. Upon completion of making the payment the representive demanded my insurance companies name even after I declined to provide. I was advised my husbands place of employment was called twice in XXXX day via auto dialer reading the mini XXXX via recording to his employer. This call was placed prior to the call on his cell that we answered on the first call from the auto dialer. After I requested a cease and desist and made the payment, both my husband and I received a call with in 20 minutes regarding the account. I was denied copies of the original statements and was denied by XXXX associates to speak with a member of their compliance team.

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 2015-07-16 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
Hi, I have cancelled an online money transfer using my debit card & after the 10 business days refund time frame according to their terms & conditions they did n't refund my money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: TN

Complaint narrative:
I have a collection agency trying to collect a debt that was paid for by the insurance I had at my job. I am now XXXX and the collection is on my credit report with XXXX. XXXX has eliminated it, and as far as I know so has XXXX. I submitted a statement to XXXX. I called the collection agency and was told if I came up with proof they 'd take it off of my credit report. However, I was homeless from XX/XX/2015 until XX/XX/2015. I lost my home because I fell behind in rent, due to my XXXX XXXX. The proof I had that the debt was paid is gone because I was unable to carry all my paperwork in my car. My car 's transmission went out and I no longer had nor do I still have any transportation of my own. I 'll keep fighting this because I was told the insurance company took care of this in the paperwork I no longer have due to circumstances beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: M&T BANK CORPORATION
State: DC

Complaint narrative:
The law firm of XXXX have contacted my family members in an attempt to reach me to collect a debt. This has upset my family, and me, especially after they are trying to collect a debt that is more than five years old, and after being requested to submit any correspondence and contact information in writing.

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 2015-10-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
i bought a puppy from an online site XXXX last night and the whole thing was a scam. We agreed on {$270.00} for the dog and the seller said he would pay all traveling expenses including flight ticket and delivery agency. At first he said i would pay the agency in person with cash when the puppy was delivered to my apartment but then a few hours later he requested that i pay using money order. After i sent the money order of {$270.00} a got a confirmation email saying they had received the money and the puppy was on the way. Within the next few hours i got another email saying the flight was delayed and would n't arrive until this morning at XXXX The owner said he would pay me {$30.00} because of the delay. This morning i got an email requesting that i pay an additional {$500.00} for insurance of the puppy 's delivery. The owner insisted i pay this or the puppy would n't be delivered. I replied with " I 'm not paying anymore money until i can see the puppy with my own eyes. He got very frustrated and began threatening me by saying he is going to press charges against me for animal cruelty. i told him how could i have done that when i have n't even seen the puppy? After all of this was over I realized it was a complete scam and they had taken my money. I have emails and texts from the seller and from the delivery agency to prove my case. I just want my money back. That 's it!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I 'm selling a Minivan on XXXX, and guy text and says he will take it, but can only use XXXX. Get email from XXXX to wire fee thru XXXX XXXX and then I would receive payment. Called XXXX this morning and they said they would never ask for fees and to call police to file a report, plus contact XXXX to file fraud charges with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: IN

Complaint narrative:
I made a mortgage payment to M & T bank on XXXX/XXXX/15 on their online website. On the same day, I made another payment for our escrow shortgage on their online website. I received a confirmation number for XXXX transactions and made printouts of the same. Now I am told I am behind a mortgage payment because I made XXXX payments on the same day so it cancelled out XXXX! The funds were in my account on the day I paid it, I have the confirmation of it and I do n't feel I should now have to pay it. There is NOWHERE on their site that it mentions not being able to make more than XXXX payment a day! What can I do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NY

Complaint narrative:
My name Is XXXX XXXX XXXX today I was informed by my wife that she was in contact with a debt collection company named XXXX recovery because she requested my credit report and this account appears in my credit report. I was shocked and upset at the fact that they never contacted me to dispute this debt in writing because they are not the only debt collection company who is trying to attempt to collect this debt. Another debt collection company name Professional Bureaus of Collections of Maryland Inc is trying to collect the same debt. I believe that XXXX XXXX has violated the FDCPA, first failing to send me a debt collection notice in the mail to give me the chance to dispute this account, reporting this account to the major credit bureaus without a validation of the debt, improper sharing information with a third party my wife, trying to collect a debt that other debt collector allegedly own. I am filling a complaint with Federal Trade Commission and Attorney General Office as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation