vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
XXXX - XXXX Lien Holder - Specialized Loan Servicing is reporting late payment on my credit report after I provide proof that I was never late. 
Fixed Rate - XXXX Lien Holder - XXXX XXXX is also reporting late payments on my credit report after I was told they were n't going to report my mortgage payments late once I began my new trail payments plus the lender is showing my mortgage account as a foreclosure. 
Note, I also provided my bank transactions showing when my mortgage payments were drafted prior to the due date.

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 2017-02-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY

Complaint narrative:
I was covered under my parents insurance at the time of this happening. Therefore they should pay for the charges and not myself

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 2016-11-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
My mortgage loan was sold to Specialized Loan Servicing XXXX, 2016 from XXXX XXXX XXXX XXXX XXXX . I was not given the appropriate 30 day notice per Tennessee law My wife has had a XXXX XXXX, she is unable to work. My wife has to have medical care and medication monthly that is not covered by my insurance. I requested a mortgage modification from my previous servicer. I have faxed request for modification to my new mortgage company. Please assist in this urgent matter. 


Thank You

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 2016-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
SLS just started servicing my mortgage account effective XXXX/XXXX/XXXX. They are trying to raise my payment from XXXX to XXXX because of an escrow deficiency that is not there. My taxes and insurance are less than XXXX a year and they are requiring and escrow payment of XXXX, the current escrow balance is XXXX and my taxes are due XXXX/XXXX/XXXX and insurance is due XXXX/XXXX/XXXX. This new amount will cause financial hardship and is not necessary. With this new requirement, by Escrow account balance will be {$3700.00} on XXXX XXXX, XXXX. That is over a XXXX surplus by the time my insurance bills in XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Dear Sir or Madam, we are contacting you because we want to file a complaint with M & T bank out of XXXX, NY. M & T financed our XXXX XXXX, year 2013. The deal was lousy, a 15 year loan and that would be fraud. M & T took advantage of my sick and XXXX husband ( XXXX years old ). He is in poor health, has a terminal illness, XXXX besides other ailments. Please give him a call at your earliest convenience at XXXX. 
If we have to, we would be more then willing to also contact our local news station. Please advise us how we should proceed. We also have numerous other financial problems that would take to long to email. We appreciate you calling us back. My husband is housebound, he is always at home. 
Thank you A concerned wife our email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Atlantic Credit & Finance, Inc.
State: IN

Complaint narrative:
I received a call at my place of work, XXXX, on XXXX XXXX, 2016 from Atlantic Credit & Finance. The number used was an inter-departmental phone number used for Emergency Services only. The number is not a published number and is only use by the XXXX personnel for Emergency Information only. This an unacceptable debt collection practice from this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DataMax Corporation
State: NY

Complaint narrative:
I have a credit score of XXXX. Interstate Credit Collections ( a subsidiary of DataMax Corp. ) has filed a matter as being in collection, but I am not aware of any outstanding item I owe to anyone. ICC does n't answer its phone ; for three days in a row, I got a recorded message on their line that they are too busy to take my call. I have no way of knowing what this item is, and do not appreciate this company hitting my credit record without giving me any opportunity to find out any further information. I do n't know what to do, but I 'm leaving for vacation next week and do n't want this sitting out there. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: LA

Complaint narrative:
Moneygram short changed the exchange rate on money sent to XXXX by almost XXXX dollars. I caught it because I had checked the exchange the day before. I have send money previously but never paid attention. If they are doing this routinely they are profiting enormously off of people who can least afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: UT

Complaint narrative:
In XX/XX/XXXX we had tried to sell our house on our own but it was not worth what we owed. We have a first mortgage through M & T Bank and a XXXX with XXXX. SO we hired an agent and began trying to short sale our home. M & T said we were not past due so they could n't help us until we were. They made us go through a long XXXX month process to try and do a loan modification prior to allowing us to short sale. We needed to relocate due to how far our work is so we did not want a loan modification, we wanted to sell and relocate. So after about XXXX months it got to the next stage of moving to Short Sale. They APPROVED it to go to short sale. After doing everything they advised they finally APPROVED the short sale in XXXX. So we have been negotiating with the XXXX mortgage to move to close. It is now XX/XX/XXXX XXXX XXXX year later XXXX and the negotiator on the file, XXXX, tells us that he reviewed the numbers and they are getting paid off so we DO NOT qualify for a short sale. After 1 year of ruining our credit and doing what they advise and them APPROVING us for short sale etc.. XX/XX/XXXX they advised us we do n't qualify now and they send us a letter stating if we do n't respond by XX/XX/XXXX they will move to foreclose. So they tell us XX/XX/XXXX & only give us a few days to respond and we just got the letter XX/XX/XXXX. So we have XXXX day to respond or they foreclose. After all the XXXX they put us through and they dropped the ball. We could have been negotiating with the XXXX mortgage only and not ruined our credit if they had done their job. How did they not realize this when we started? before we went past due, before doing the loan modification and getting approved for a short sale. They have totally wasted our time and now they move to foreclose? This is horrible business practice!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC.
State: OH

Complaint narrative:
HMC, XXXX XXXX Attorney with HMC and XXXX XXXX XXXX from HMC XXXX treated me very unfailry, XXXX XXXX recorded our converstaion incorrectly with false statements leading up to them issuing a garnishment for my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NH

Complaint narrative:
As a mortgagor to XXXX XXXX Bank XXXX XXXX XXXX, serviced by Ocwen Loan Servicing , LLC, I suffered a substantial loss in income in mid XXXX and applied for a loan modification. Ocwen referred me XXXX XXXX and I paid it {$3000.00} to assist me in the loan modification process. My modification was approved XXXX XXXX, XXXX, and I made my XXXX timely trial payments of {$990.00} and thereafter XXXX more timely payments, when on XXXX XXXX, XXXX, Ocwen refused that monthly payment and indicated that the loan was cancelled. It told me that Ocwen had failed to provide a modification document to me and because it did not have it the loan modification was cancelled and claims that I must redo the loan modification process. If it failed to provided necessary paperwork. Why am I being penalized for its mistake? Further, Ocwen is reporting payments as not being timely made, when in fact, all loan modification payments were timely made until it refused the XXXX payment. It refuses to provide me with the information I need or the document that needed to be signed and is wrongly reporting to the CRA 's that I was tardy with my payments, even though I made each payment timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Google Compare Credit Cards Inc.
State: PA

Complaint narrative:
On XXXX XXXX, I transferred {$400.00} from my personal checking account ( XXXX ) to Google Wallet. The transaction ID is XXXX. Google Wallet is an app which is paired with a Google Wallet Mastercard. Its like XXXX except XXXX works as advertised. According to media reports, most of the funds GW holds on behalf of its account holders is held in FDIC insured accounts, but the GW TOC claims that GW is not FDIC insured. Several operators told me GW is not bound by FDIC regs. 

I transferred the money because the UI explicitly and unequivocally stated that the funds would be available in seconds. It stated " Money will be available in a few seconds '' " It may take a few days for your bank account to be debited ''. 

I immediately received an email that the funds would not be available in GW until XX/XX/XXXX. I immediately called GW customer service. The operator stated that this was a recurring problem. She cancelled the transaction, then warned that the money would still be taken out of the account, but that my bank could stop that from happening. She, and several other operators stated that this could not be stopped by GW once initiated. 

I called my bank and was told that stopping such a transaction was simply impossible. The problem is not with my bank. They always do everything right. The money was transferred from my account the next day ( XX/XX/XXXX ). It is now XX/XX/XXXX. I spoke with my bank and a GW manager and XXXX GW operators today. The transfer from XX/XX/XXXX is the only relevant transaction they can see. The transaction appears as failed in the GW dashboard, so my balance there is {$0.00}. The GW operator told me the money " should be '' in my XXXX account. My money is reflected nowhere. I am told it will reappear in a few days. I believe it will. The problem is the button said that the funds would be available in seconds, not weeks. Another problem is that the {$400.00} is not reflected anywhere in the observable universe. If a bank ( or even a small time payday lender ) did this, the FDIC would kick the doors off the hinges and have the place in receivership in an hour. They would be cuffing people. This same dilemma almost certainly recurring XXXX of times a day. I just checked and the UI is still promising " money will be available in a few minutes ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: SC

Complaint narrative:
XX/XX/XXXX - Initiated Short Sale with XXXX XXXX. XX/XX/XXXX - Spoke with XXXX to winterize the property. XX/XX/XXXX - Spoke with XXXX, short sale packet received & house confirmed as winterized. XX/XX/XXXX - Attempted to call XXXX XXXX, not at desk. XX/XX/XXXX - Received email from : XXXX XX/XX/XXXX - Offer received by bank and in review phase. XX/XX/XXXX - Spoke with XXXX, escalation clause submitted. Checked to see if house was winterized b/c recent showing by local agent said she noticed condensation on the windows. XX/XX/XXXX - Spoke w/XXXX. Appraisal done yesterday. 2nd mortgage on file that must be cleared. Negotiator : XXXX XXXX ( not helpful ). XX/XX/XXXX - Spoke w/XXXX.Lien is no problem.Offer still in " review. '' XX/XX/XXXX - Spoke w/XXXX.Property not winterized! First time I or the borrower was informed that it was the borrower 's responsibility to do so.Most short sales, the bank maintains the property. Short sale denied, home not in salable condition.It was when the offer went in.Moved to foreclosure status.Submitted all paper work a XXXX time, offer not accepted, no counter.Bank wanted home listed at {$97000.00} appraised value, when it was there was no interest.Price point it is now, there is a lot of interest.Moved to foreclosure status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On moneygram web site estimate for international money transfer fee showed {$18.00} but when the actual transaction took place it was {$32.00}. When asked why such a big difference in fees no answer was given except " an estimate is an estimate ''. When an actual fee turns out to be more than XXXX % of the estimate then it is no longer an estimate but a wild guess.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-24 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a mortgage account with Wells Fargo Bank. I had a overage in my escrow account which they sent me a check for. I do not have any other accounts with Wells Fargo Bank. I went into a branch to cash the check and was told I did not have an account with the bank and would need to pay a {$16.00} fee to cash the check which was made out to me and my wife drawn on Wells Fargo Bank. The branch manager got involved when I asked why a fee when I have an account and she told me the mortgage account did not count as an account for cashing a check. She suggested I could deposit it into my mortgage as a principal payment but would not cash it for cash. My wife has also signed the check but after discussing waiving the fee she refused to process the check without my wife present.

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 2016-12-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am being harassed by Ocwen Loan Servicing employees and litigation crooked lawyers. Ocwen XXXX are using levels of fraud to rip off my home. The system is so corrupt. I have repeatedly demanded CFPB enforcement staff to involve the authorities into my matter and kick in Ocwens front door to drain the smelly fishy swamp. I am not taking any XXXX from shady ocwen or its crooked fairly new licensed attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I applied for a mortgage modification in XX/XX/XXXX. It took two plus years for them to process all of my paperwork. The relationship manager said I had XXXX make XXXX payments in order for the loan to be modified, I made all payments and submitted all forms as requested. I never received anything from Ocwen saying the loan was modified, I sent several emails to my relationship manager as well as calling customer service, the last email I received from my relationship manager in XXXX stated the loan was being modified and I would be receiving payment coupons soon, what I received was a letter in XXXX stating I owed {$3000.00} dollars in back payments and the loan was modified as of XX/XX/XXXX. I asked how that was possible, I submitted all email correspondence to several relationship managers and the research department, I have proof of the payments made through XXXX as requested by the relationship manager, when requested by the relationship manager for Ocwen. My credit has been negatively impacted, my loan is in default again, and the company will not offer reasonable resolutions based on their errors, poor communication, several different relationship managers and customer service representatives handling the matter, and based on the fact I submitted all payments and documents when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Revenue Recovery Corporation
State: TN

Complaint narrative:
I am writing about an item being improperly reported on my credit report. The first company is XXXX XXXX XXXX collecting for XXXX.This information is inaccurate because I 've NEVER EVER been to XXXX XXXX XXXX and you MUST be referred by a physician to get imaging. I go to the VA and they 've only sent me to another VA or XXXX. I told the credit reporting agency this fact and after they saw that I go to the VA another item appeared on my credit report from Revenue Recovery Corporation for XXXX XXXX XXXX XXXX. I could have actually gone to an XXXX XXXX but it would have been prior to the dates being reported and hence not eligible to be on my credit report anymore AND IT WAS N'T until I pointed out the falsehoods of the XXXX XXXX XXXX. THE XXXX WOULD NOT SEND ME TO XXXX XXXX XXXX because XXXX do XXXX IN THE HOSPITAL! I was a XXXX AND a XXXX prior to getting my XXXX so I know XXXX. It is my honest assertion that XXXX XXXX XXXX attempted to disguise some expired earlier debt that was removed from my credit report based on FCRA LAW. After I pointed out that fact, the Revenue Recovery Corporation looks to have attempted to " re-age '' an old debt to help substantiate XXXX claim. It does n't ; it shows some type of collusion because if Revenue Recovery Corporation was due to be on my credit report until XXXX it would have been on my credit report in XXXX when I first checked it and IT WAS NOT THERE. In addition if I was delinquent in XXXX then it would have been due to be removed ANYWAY, however, I HAVE NEVER GONE TO XXXX which makes the XXXX claim a straight lie. If I went to the XXXX as is claimed by Revenue Recovery Corporation it would have been off of my credit report due to time and it was off. 
It appears that Revenue Recovery Corporation would have had to provide some type of information which allowed XXXX XXXX XXXX to add information to my credit report to a place that I 'd never been. The Revenue Recovery Corporation then took dates from the XXXX XXXX XXXX information in an attempt to " re-age '' a debt that had obviously been removed from my credit report based on FCRA Law.

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 2016-03-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Ocwen is holding my depreciation check for $ XXXXXXXXand I am current on my mortgage they first applied it to my mortgage I call ocwen they told me they would release it but instead I a call from an inspector for ocwen stating he need to make another inspection. This same person had done one inspection and then came out he did another one at that time he stated repairs was 90 % done and no followup would be necessary. A certification of completion was faxed to ocwen by roofer XXXX XXXX. So I want to know if ocwen has the right to hold my funds and take me back through another inspection.I feel ocwen is taking advantage of me. This is not fair to me. owcen has being a thorn in my side.

Company response to consumer: Closed
Consumer complaint received 2017-02-27 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: Duncan Solutions, lnc.
State: MD

Complaint narrative:
In violation of the FDCPA, Professional Account Management continues to send threatening letters, texts, and voice mails in an attempt to collect a debt that is not owed. They have ignored all cease and desist requests and refused to provide any evidence to support its claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
My mortgage company Ocwen Servicing sent me correspondence stating my Homeowner coverage was insufficient for the mortgage on my home. My dwelling coverage is {$88000.00} with XXXX XXXX XXXX. My mortgage loan balance is {$86000.00}, my coverage is insufficient per Ocwen. Ocwen paid a portion of the homeowner annual premium on my home and not the annual premium of {$1100.00}. Please Please address this problem with Ocwen I do not want my policy to cancel. See attachment Ocwen has been is a awful mortgage company and they do not try to assist their clients.

Company response to consumer: Closed with explanation