vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-25 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
My family members and I have had a terrible experience with this company. This company has proven that it does not care about its customers. Since it is obvious that I am not going to get any assistance from this company I am writing this in every place that I can think of to help other consumers avoid the mistake that my family made. There are similar companies like XXXX XXXX that will offer you the same services but with a much better outcome. 

My mother sent me a money gram and it was impossible to pick it up. She went to the store and told me that I needed to pick it up within 90 days and that I should pick it up yesterday. At the store she sent it at, they told her that it would not be a problem for me to pick it up yesterday and even if it was after 90 days I could just call MoneyGram and they would assist me with picking it up at whatever time I needed it. 

On yesterday, I went to CVS to pick the money up. I used the kiosk and spoke to a money gram customer service agent ; he was rude and so were all of the other agents I spoke with. Furthermore, he purposely took down my license number incorrectly. He repeated the things that I said so I know that I gave him the right license number. He told me that I would be able to receive the money and to pick it up from the CVS cashier. The CVS cashier told me that I could not receive the money because there was a block on the money and because my license number was written down wrong. So I went back to the kiosk to call the money gram customer service officials again and the individuals kept hanging up. This kept going on for over XXXX hours. I would call, they would hang up immediately, put me on hold, transfer me, give me the wrong information, yell at the CVS store clerk and blame the problem on him, and/or eventually hang up with no assistance to me. There was XXXX guy who was exceptionally rude and he refused to give me his name. He constantly kept hanging up on me. I think his behavior is extremely unprofessional and he should be fired. Basically, I spent hours trying to reach customer service agents and they refused to assist me. The store clerk was there to witness this. I was in a store alone until XXXX and I had to walk back to my apartment by myself ; my elderly XXXX mother who is in a different time zone was up until XXXX in the morning worried about everything. 

I know that this was very unprofessional and just plain rude and they just did not want to release the money. I think that this is unacceptable and something should be done about this. MoneyGram it would be very considerate of you if you realize that your consumers are human and you treat them as such. Furthermore, consumers please be wary of this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: CSO Financial
State: OR

Complaint narrative:
I have been and still making payments on my account. Every month. 
The company is not reporting my payments to the creditors. 
I have to call or write to the creditors myself to update the account and I requested that the company I deal with to send me a statement. Regarding my account with the full balance it is not on the statement. and now my account is in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
Someone called my XXXX grandmother ( XXXX years old ) on the phone pretending to be me needing help with money to get bailed out of jail in XXXX and XXXX. This was clearly not true ( I 've never even been to XXXX and XXXX ) but she was scammed into sending {$5800.00} through MoneyGram at Wal-Mart through multiple transfers. The person on the phone convinced her that they were me and told her not to tell anyone else. She was frightened and complied. After finding out what happened, I collected all receipts from her and would like to do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I am the employer and the bank continues to make calls to employee at place of work, directly to Management 's phone line.

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 2015-07-27 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO

Complaint narrative:
I have been banned from using MoneyGram. 

I have had a MoneyGram account since at least XX/XX/XXXX and maybe longer. I last used my account on XX/XX/XXXX and received an email from MoneyGram on XX/XX/XXXX regarding the new and better services they offered. 

I tried to use my online account XX/XX/XXXX to make a bill payment and was unable to " log-in '' to my account. I tried to reset my password on-line and was direct to call MoneyGram customer service. I did this and was informed that MoneyGram would no longer allow me to use their services. I was told that If I wanted to send money, I would have to use another service. Thereby effectively banning me from their services. They would not give me an explanation. 

I called back XX/XX/XXXX hoping someone with more authority would be in the office on Monday, that way my issue could be escalated. My concern was escalated to the " highest possible level ''. I was informed that my account was indeed " banned '' without any explanation and that I could file a complaint on " their '' web site if I had one. I told them I thought I was entitled to an explanation. They said they did not have to provide one for security reasons. I told them with the current attitude that filing a complaint on their website would be futile and that maybe someone with more authority, like the federal government should look into it. I also said I felt threatened and discriminated against for no reason. 

I thought maybe it was a fraud issue, so I contacted XXXX and asked them to check my identity theft account and to upgrade my account to their top level of security. They said they could find no reported issues with MoneyGram and me. I related my story to the representative. I asked them how I should handle the issue. He stated that he had never heard of such and issue with MoneyGram. He recommended that I contact the FTC. 

I would appreciate any assistance in resolving this issue. I feel I have the right to know why this happened. 

In summary, I have been banned from using MoneyGram with no explanation as to why this occurred or if this is permanent. I have done nothing wrong and have never been accused or convicted of any crime. I am a retired XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
XX/XX/XXXX I took out an auto loan with regular payments being made on time. As of XX/XX/XXXX I missed a few payments due to changes in my work hours. XX/XX/XXXX M & T Bank granted me an extension on my auto loan which took my two months that I was late and pushed them to the end of my contract agreement. Which in most if not all cases XXXX out those months and XXXX out any late fees that may have been calculated for those months. Well in my case they did not do that the company just added those fees to my next months bill. XX/XX/XXXX through to XX/XX/XXXX over {$1000.00} to get everything caught up to date. This company has attacked my credit score status stating that my account is delinquent and no payments are being made ruining my credit score. Their account system is very inaccurate 7 months out of my account are dated incorrectly. M & T Bank also claims that they are a debit collection agency which seems to be a conflict of interest if they are a bank. The harass you by calling multiple times a day within a week. It seems like no matter how much money I try to put on my account it does n't seem to get caught up to date. It also seems like no one knows the TRUE POLICY when a customer sends money in early. The also do not let you state where you wish your money to be sent or disbursed. I do not know how to attach copies of all my paperwork but I can mail it to you if want a copy. M & T Bank also makes it very hard for any other banks to buy out my loan they either do not answer the phone or they hang up on the bank that is trying to buy out from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: M&T BANK CORPORATION
State: IL

Complaint narrative:
I received a letter stating Wilmington Trust holds the note on my mortgage I believe this to be false, the originator of the loan is XXXX which went bankrupt a month after I closed on my home, currently it states they still own my XXXX mortgage yet XXXX XXXX XXXX serviced my XXXX mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CALIFORNIA RECOVERY BUREAU, INC
State: CA

Complaint narrative:
I was reviewing my credit report today. I saw there is a medical collection on my credit report from a visit in XX/XX/XXXX. I called both the collection agency and the hospital and they stated that the office mailed the XXXX invoices to my ex-husband 's address, in stead of to mine. They called my ex-husband 's number instead of mine. My ex-husband and I have not lived in the same home since XX/XX/XXXX. I have never lived at his current address. I was never notified of the debt. While this was an innocent mistake, the account is now in collection and on my credit report and I never knew about it. In fact the collection agency never contacted me. I contacted both XXXX and California Recovery Bureau to have this removed from my credit report and while they admit it was a mistake, they have not offered to remove it from my credit report. I have offered to pay the bill in both cases. XXXX will be calling the collection agency tomorrow to see if anything can be done. What is my recourse if they still will not remove the tradeline from my credit report?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Synerprise Consulting Services, Inc.
State: AR

Complaint narrative:
My XXXX credit report indicates that Synerprise ( a collection agency ) reports that I have a {$300.00} in collections. XXXX reports that I do not owe this Bill. My insurance provider XXXX XXXX XXXX reports that I do not owe this bill. XXXX XXXX ( original creditor ) reported that the billing was in error and that I am not liable for the bill. I have been trying to get this matter cleared up since XXXX 2015. The erroneous information reported by Synerprise to the Credit Bureau is having an adverse effect on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Since my last complaint, number XXXX, The XXXX at Ocwen have started collection efforts in the form of harassing phone calls to collect my XXXX XXXX payment which was received by them on XXXX XXXX and immediately misappropriated. I have called them and they claim that they have corrected the problem, but my account page on their web site STILL shows the XX/XX/XXXX payment plus late charges due. They have NEVER DONE WHAT THEY SAID THEY WOULD DO ON THE PHONE. They blame their " system '' but I pointed out to them that there 's a human somewhere who owns and operates their " system '' AND THAT PERSON IS NOT DOING THEIR JOB. I am deeply concerned that Ocwen is mismanaging my money and my mortgage, and I do not want to get screwed when someone takes off with all the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen has not followed the CFPB rules regarding setting a sale date of my home while my modification application was under review. Ocwen claims that XXXX streamline modification offers were sent to me, XXXX XXXX/XXXX/XXXX and the XXXX on XXXX/XXXX/XXXX, offers I did not received. However, I did receive a denial letter for XXXX of the streamline modification offers on XXXX/XXXX/XXXX, it took Ocwen six months to send a denial letter in response of the second modification offer, I did not received any denial for the first offer. ( Please see attachment XXXX, a letter that discusses XXXX different issues, please read the second part of the letter ) At the same time, a sale date for my home was scheduled for XXXX XXXX, XXXX. I filed bankruptcy on XXXX XXXX, XXXX and somehow, the sale date was canceled. 
Ocwen never sent these XXXX offers, anyone can see the discrepancy that there is between the XXXX of them : First, the time between the XXXX offers, the XXXX offered on XXXX/XXXX/XXXX with scheduled trial payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX with a non-approval note on XXXX/XXXX/XXXX. The first trial payment scheduled less than a month after the offer was made. The second offer sent on XXXX/XXXX/XXXX with scheduled trial payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX with a non-approval on XXXX/XXXX/XXXX. There is no way, that streamline offers were send so close to each other. Then the amounts on the first offer {$800.00} and on the second {$1200.00} the difference of {$420.00} is quite high. At that time they did not know anything about my income, even if I did the trial payments there was no way that I was going to be approved for permanent modification. 
In addition, I can prove that the XXXX modification offers were never send to me : First, on XX/XX/XXXX I sent a complete modification application package with the help of my attorney XXXX XXXX XXXX, why I will be sending complete modification packages on the same month that a trial payment was offered to me? Second, I have received mail belonging to another homeowners since Ocwen bought my loan, most recently ( please see attachment XXXX ). When I called Ocwen to let them know, the representative who answered the phone stated that " was a computer mistake ''. 
Also, Ocwen keeps reporting that my home is empty, even that I have proven occupancy, many times. Inspectors have been ordered to go to my home and change locks, I have talked to them and they promised to inform Ocwen, but still they force an insurance on me, canceling the hazard insurance that I had in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Hello I would like to file a formal complaint against my loan servicer in regards to my mortgage. On several occasions over the past 3 years Ocwen has continuously ignored my complaints to prove or show cause that they have a legal right to seek any results based on my mortgage. I have sent several request for QWR 's, complaints, dispute of debts and validation of debt letters as well as TILA request. All of which have gone ignored as Ocwen can not prove the validity of the debt or there compliance in this matter. Ocwen has failed to meet any of the " QWR '' under 12 USC 2605 or " RESPA '' request for validation of debt under 15 USC 1692 of the " FDCPA '' 15 USC 1641. All of the above actions have been recorded in the last certified letter that was sent to Ocwen. in this letter it was clearly stated that my mortgage allowed me via contract right under Regulation X ( 24 C.F.R Part 3500 ) to request information from the Servicer. The Servicer ( Ocwen ) has never complied with any of my request and as the letter reads there have been several request over this time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
I had 18 missed phone calls from Thunder Bird Collections within like fifteen minutes. XXXX would call and go to till voice mail and then immediately called back. He also called my grandfather and utilized the same tactics. This was also done after I had told him not to ever contact anyone besides my cell phone number that I provided. Today he even called the place I work when I told him to only contact my cell phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
My loan was sold by XXXX XXXX to Ocwen in XX/XX/XXXX, I was granted a Non-HAMP modification by Ocwen signed and notirized XXXX XXXX. According to the language of the modification I was to have a 4 % interest rate for the life of the loan. There was no indication of any increase. XX/XX/XXXX I received a notice that my interest rate was to increase to 5.125 % as of XX/XX/XXXX, a few weeks later I received notice my loan was being tranfered to XXXX XXXX and all future payments and correspondance would go to them. No action could be transacted until the transfer of documents had occurred. After being assigned a loan specialist I brought to his attention my grievance concerning the increase of interest rate an oversight error on the part of Ocwen. He informed me after reviewing the modification documents it did appear to be an error however his supervisor and or the underwriter 's would investigate. Shortly after that I was informed contact with Ocwen would be necessary and they would have to make any adjustments in the loan interest rate increase. To date I 've been told no contact has been made with anyone who is authorized to make those adjustments as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
There was a tradeline on a 2011 XXXX credit Report from " GMAC XXXX '' I never had a mortgage with GMAC. 
I called a number for what I thought was GMAC and was told it was Ocwen and that they had just bought out GMAC. 
The person I spoke to asked me if I had a mortgage go into foreclosure. 
I told them I had not, but there was possibly a mortgage in foreclosure on a relative 's house who had died, but the loan was not in my name. 
He claimed to have nothing under my name, SS number or that of my relative 's. 
He could not explain why MY credit was pulled then. 
He suggested I send a copy of my credit report with the inquiry on it. 
The address I was given is similar to another address for a XXXX account that was an another of my credit reports, also not mine. 
I never sent it because something just did not sit right with me over this situation. 
I called another day and was told it had something to do with a checking account-not clear what it was. 
I have on my notes " XXXX XXXX '' and " XXXX XXXX '' but not sure who they are-reps maybe? 
Was also told to call XXXX XXXX-they were of no help either. 
The address on the inquiry is GMAC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA I put down GMAC as the property address because I do not know the property address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
My loan was sold to Ocwen Loan Mortgage Servicing. When I fell behind in my payments, I told that I did n't qualify for XXXX and yet I am now more upside-down than I was before they refinanced my loan. Now I owe about $ XXXX more than it 's value and there is a balloon payment so I will never get out of the loan. I tried to give it back to them and rented another home for two years- they let it sit, knowing it was empty and the pipes froze and when I did return, there were XXXX or XXXX leaks in the pipes and walls/ceiling to fix. Now they call and tell me that the call is NOT an attempt to collect a debt as it was included in my BK in 2011, but I do n't know how to get out of the loan and move on. The house is falling apart with holes in the ceiling and walls from the pipes bursting. When I ask them about the disclaimer, they say that they can not hold me accountable for the loan due to my BK- so can I walk away? Last time I tried, they left it in my name so I was on the deed, liable for all XXXX charges of sewer and trash, and XXXX taxes. Help, what can I do to get out of this situation? Also, now I have had XXXX separate instances where a call coming from their number is a person trying to get me to send several hundred dollars for 'fees ' XXXX in Florida- they threaten me and they berate me and yet when I originate a call to them, they say that there is no record of this person or the contact telling me to update my taxes, and impounds and to send money to their lawyers. I feel threatened and antagonized by them. So can I walk away and if so, how do I get the liability for this property out of my name? Am I just renting??

Company response to consumer: Closed
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I applied for a loan modification with Ocwen loan. I was approved and all through the process I made sure I was not going to have a balloon payment at the end of my loan. 
They assured me that I was not going to have a balloon payment. 
We paid the XXXX ( XXXX ) trial payments of {$1400.00}. All through the process they assured me no balloon payment on my loan. 
When I received the final modification documents the payment was {$1300.00} adjustable. 
When I questioned them about the modification terms and the balloon payment they told me that theyXXXX decided to put a balloon payment on even through they said they were not going to.. 
Then I refused to sign the modification documents and then they sent me a delinquency notice with payments of {$2000.00}. I sent the payment and they sent it back. 
Please help with Ocwen. They batted me and then switched.

Company response to consumer: Closed with explanation