vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Despite providing evidence of flood insurance coverage, responses to prior mailings requesting such evidence, a myriad of phone calls to their horrible customer service line, and my condo association providing evidence on ongoing coverage, Ocwen continues to threaten to place lender purchased coverage for almost $ XXXX. 

As a consumer who pays perfectly and always responds to any inquiry, how do I protect myself against these unwarranted and fraudulent threats?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX, XXXX, I visted the M7T Bank Branch located in XXXX PA. after expecting fraudulent charges were made against my account. Initially the bank gave me a provisional credit ; however, on XXXX XXXX, XXXX they reversed the credit. I was supplied with the name of the person who made these charges and immediately filed a police report, and supplied M & T Bank with the protection from abuse order filed on XXXX XXXX, XXXX against the individual and the police report number. M & T will not let me speak to the someone in the fraud department, nor will they refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Ocwen Loan Servicing LLC is reporting two mortgage late payments on XX/XX/XXXX & XX/XX/2011. I made those payments on time via XXXX, XXXX XXXX XXXX on line payment system did n't work so the payments were posted late. XXXX XXXX XXXX, corrected the problem and deliver the funds to Ocwen, but they were posted as late payments, even thought it was not my fault at all. They can check my record and I have a perfect record payment thru today. I am applying for a Mortgage and this issue is affecting my credit. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
i just found out that my name was primary on mortgage loan for at XXXX XXXX XXXX, XXXX, SC with Owcen Financial Corporation that was awarded to my es wife. A Quick Claim Deed was to be record with the divorce agreement, which give her ownership of property 100 %. This property went into foreclosure this month XXXX XXXX, 2015 after being 9 months in rear. 9 months ago my ex wife purchase another property. Her Loan to Value ratio would allow her to purchase another property with debt of the first property. After talk with XXXX, i was the point of contact for first property but. I dont own the property anymore. I strong believe that my signature is on document release her from debt to purchase another property and clear her from the first property. I have made complaint with SC XXXX XXXX XXXX XXXX, I have inform the Fraud Department at Owcen and XXXX XXXX XXXX, LLC of my concern due to Quick Claim Deed not being filed, record and attach to note. There has been some Fraud in the purchase and with debt being left on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
M & t bank has been charging me overdraft fees XXXX i have done the math where the deposits an credits only equal XXXX there math says that it is XXXX. There math is wrong an shaky also i was sent a letter about a substitute check policy where u can claim a refund for a returned check i did the legwork sent the letter to the XXXX new york office i got a letter today that is untruthful. Whst can i do

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 2015-07-20 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
XXXX Collection Associates XXXX XXXX reported misinformation on a bill. 
The actual amount, that were paid, the actual amount of the bill, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
I am a customer with M & T bank ... I tried purchasing a car back in XXXX 2014 ... however after realizing I was no longer interested I decided not to proceed with the purchase ... I disputed my payment and was issued a credit ... later on during the investigation my bank decided that they would honor the auto company and give them my money ... Even after I tried numerous times to prove that they sent M & T bank fraudulent paperwork and forged my signature on a receipt document ... so I feel discriminated against because I am poor and XXXX ... they treated me like trash and I 'm their customer ... they did n't try assist me or even check the documents even when I requested and begged them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 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: MI

Complaint narrative:
Allied is reporting an account on both my XXXX XXXX and XXXX credit reports in the amount of $ XXXXfor a former account with XXXX. This account was paid directly to XXXX in full. Therefore, Allied does not have any legal right to try to collect it from me, including reporting it on my credit report as unpaid and derogatory. Allied has an obligation under the FCRA to report truthful and accurate information and because they have no legal right to collect this account or report it they are in violation of the FCRA. Further, I have never received any mail communication from Allied notifying me of the account or my right to dispute it as per the FDCPA and although Allied calls my cell phone repeatedly with their automated dialing system, they never leave any voice messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: M&T BANK CORPORATION
State: DC

Complaint narrative:
On XX/XX/2016 I purchased a XXXX XXXX from XXXX XXXX in XXXX XXXX, Maryland. I told the salesperson XXXX to pull my credit for XXXX XXXX XXXX, he replied ok and proceeded to give my loan application to the Sales Manager. XXXX returned and stated that the Sales Manager stated that XXXX XXXX XXXX XXXX was offering me a lower interest rate then XXXX XXXX and that will keep me in the price range of my car payments that I am seeking. I responded yes and instructed him to inform the XXXX not to pull my credit no more after he pull it for XXXX XXXX XXXX. He proceeded to the Sales Manager desk to inform him that I agreed to be financed with XXXX XXXX XXXX XXXX. After everything was done. I went into the finance officer 's office to sign the contract. The signed paperwork stated XXXX XXXX XXXX was my finance company. As time progressed, I did not hear anything from the dealership or XXXX XXXX XXXX so I decided to contact them on XX/XX/2016 since my 1st car payment was to be due on XX/XX/2016. I learned on that date from the finance manager that my car loan was financed with M & T Bank and not XXXX XXXX XXXX. I informed the dealership that I have not received any phone calls from them telling me that the lender changed from XXXX XXXX XXXX to M & T Bank. The finance manager provided me with the number for M & T Bank. I contacted M & T Bank and spoke with XXXX, Bank Manager. She apologized and stated that I can make a payment over the phone. I told her that I was not aware that they were my finance company and that I had no paperwork stating such. She said my simple contract has my signature with their bank name on it. I asked her to send me a copy due to my simple contract stating that XXXX XXXX XXXX is my finance company. To date, I have not received any information from M & T Bank and feels very uncomfortable with giving them any monies without seeing some type of paperwork from that bank. My car payment is already past due from them not sending me no paperwork. I am concerned about XXXX XXXX stating that my paperwork was a typographical error and they were not doing anything deceitful. At the present moment I am in limbo because I do not know where to turn to go to get this matter resolved. I was seeking legal advice. I contacted Maryland States Attorney Office and await a return call. Could someone please assist me in this matter?

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 2016-01-29 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AL

Complaint narrative:
An individual called my XXXX year old stating he had won the XXXX prize and asked him to send a certain amount of money to insure what he had won via a money order. Him not knowing better had sent x amount of money to this individual cleaning out personal accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
I used money gram to send my mother in XXXX XXXX XXXX $ she never recieved the money. Someone else got the money the day b4 she went to get it she had waited because she did not have any transportation at the time when she went to pick up the money she was advised someone had takin the money already and that it was n't in her name which I have the receipt showing its was sent to my mother. So I called money gram they advised me someone had gotten the money witch I already new someone did a couple days later they called back and provided me a name of someone 's name who I have no idea who it is but told me that 's the name that it was sent to I have the receipt showing it was not in that other persons name and they keep fighting with me not trying to figure out if it was error in there system I even offered to send a copy of the receipt to the and they just ignore the fact I have proof who it was supposed to be sent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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:
We opened a checking account for my daughter at M & T Bank in XXXX XXXX prior to her going to college in XXXX. On XXXX XXXX, XXXX they charged her XXXX separate insufficient funds fees. She contacted them and told them that she had not made the charges, that her account information must have been compromised as she had been using the debit card for some electronic transactions for school text books. 
M & T Bank concluded that since the card was in her possession she must have made the charges and refused to acknowledge any possibility that her account had been compromised. 
They are now attempting to collect the " debt '' of insufficient funds fees AGAIN. 
1. I can not find any indication that we had signed up for them to overdraft the account in case of insufficient funds - THE CHARGES SHOULD HAVE BEEN DENIED RATHER THAN PASSED THROUGH. 
2. The bank charged NSF fees 4 times in the same day - again, the card should have been declined!!

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 2016-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I 'm writing to you in need of help because foreclosure complaint has been filed against me. I here by submitt the facts for your review and assistance for my loan modification pending with M & T Bank. Here are the reasons why : 1. Failure to respond to Foreclosure complaint within the time frame with advice given to me by my servicer 's XXXX XXXX XXXX XXXX, XXXX, representative XXXX XXXX stating the Modificiation would be approved in the immediate future, which was totally misleading and has jeopardized my standing and rights in the Florida Judicial System. 2. Plaintiff violated Federal Law when filing Foreclosure Complaint, a violation do Federal Government Dodd Frank Act, known as " Dual Tracking. '' You can not file a Foreclosure Complaint or continue foreclosing on a borrower who is in the Loan Modification process. 3. Plaintiff and Servicer, both are negligent in allowing such action to take place knowing borrower was in The Loan Modification process. 4. Borrower, single parent raising ( XXXX ) children has been exposed to undo stress, anxiety and threat of losing home as a result of Plaintiffs illegal action and not to say the emotional distress the children have been exposed to. 5. XXXX XXXX, Plaintiffs Servicer continually subjects Borrower to poor servicing, asking multiple times for same documentation, and threatening Foreclosure as they say I am NOT in " Compliance '' with the HAMP Guidelines which is a total fabrication. 6. XXXX XXXX continually fails to answer or return calls, answer emails and subject me to more stress, frustration and sleepless nights. 7. Plaintiff fails to provide proper oversight of Servicer and their Federal Violations as outlined and required by " The Consumer Financial Protection Bureau '' enacted by Federal Regulations Act under Dodd Frank Law. 8. Borrower is writing a Formal Complaint to the Consumer Financial Protection Bureau asking for assistance and intervention with both M & T Bank and XXXX XXXX XXXX XXXX to ask for sanctions against both entities for these Federal violations and the approval of my loan modification. 9. Plaintiff and Plaintiff 's Servicer have failed to follow " Consumer Fair Debt Practices '' also a Federal and State violation. 10. Plaintiff for weeks and weeks has stated the modification is with the unwriter and borrower will be notified any day and that day has yet to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I opened a " Pinnacle Checking '' account on XXXX XXXX, XXXX, after reading an advertisement for a {$200.00} promotion. The terms of the offer are as follows : " To qualify for the {$200.00} cash bonus, within 60 days of opening your new Pinnacle checking account, you must receive direct deposits totaling {$250.00} or more. Your direct deposits need to be an electronic deposit of your paycheck, pension or government benefits ( such as Social Security ) from your employer or the government. The cash bonus will be deposited into your new checking account within 30 days from end of month in which direct deposits totaling {$250.00} or more are made to your account. Account must be open and maintain a positive balance in order to obtain the bonus. 

Can not be combined with any other promotional rate or reward/bonus programs. Valid only for individuals who have not had any consumer checking relationship with First Niagara in the previous 365 days. Customers may only receive a bonus on XXXX account. Customers must be residents of XXXX, XXXX, XXXX or XXXX to participate in this offer. Bank employees and members of their household are not eligible for this promotion. The cash bonus will be reported as a payment of interest in accordance with Internal Revenue Service regulations and will appear on your IRS XXXX for the year in which the bonus is paid to you. Promotion runs through XXXX/XXXX/XXXX and can be withdrawn at any time. Account must remain open for 180 days to avoid a {$25.00} Early Account Closing fee. All accounts subject to approval and applicable fees. '' I received a direct deposit of {$250.00} from my employer on XXXX XXXX, XXXX. I have not had any consumer checking relationship with First Niagara in the previous 365 days. I am a resident of XXXX. I believe all requirements of the promotion have been met, but I have not received the bonus yet. Per the terms of the offer, it should have posted by XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I financed the purchase of my Toyota Corolla XXXX in XXXX XXXX through Toyota Financial Services. I paid off the loan at the end of XXXX XXXX and took delivery of the Certificate of Title from Toyota Financial Services on XXXX XXXX, XXXX. I was however, shocked to read their attached letter which clearly stated that " We encourage you to re-title the vehicle immediately upon receipt of the title/lien release document since all records maintained by your state of residence will continue to reflect our lien on the vehicle until you do so. '' I called Toyota Financial Services to complain that they should re-title the vehicle and not pass the cost to me. The representative who took my call ignored and was informed that I would lodging a complaint with the CPFB. In fact, I even finished paying for the vehicle over four ( 4 ) months before its original maturity date and deserved not to be treated rudely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates has claimed I owe them {$680.00} on a charged-off XXXX card. A ) the account was charged off, B ) They have never provided legally sufficient proof of this. Further, they remove then reinstate the debt WEEKLY on my credit reports in order to extend the time it stays on my credit report. This has the effect of keeping my scores artificially low, and negatively impacts my financial status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery is reporting on my credit reports a debt they say I owe of {$430.00}. After two letters asking them to validate this account with viable evidence, bearing my signature that this account is mine, they have not complied and repeat saying the debt is mine. I requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them and they ca n't come up with any documents. Furthermore, I have requested they make this account disputed on my credit reports but they have not ( copy attached ). If they can not validate this debt then it is a violation of the Fair Debt Collection Practices Act and they must delete all reporting of this account to all credit bureau agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Portfolio debt management calls from multiple numbers have been informed to cease and desist, and that they are past both Oregon state statue of limitation of 6 years and federal FDCPA statue of 7 years, they keep stating that they can collect " as long as i am alive " that the statues do not apply to them, they called again today after another cease and desist from a new number XXXX, the harrasment has to stop the debt is no longer enforceable, and the do not care about the consumber protection laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a VA home loan with Chase. I had made every payment on time. We got a mandatory job transfer to CA and our child with XXXX needed medical treatment in California. We tried selling and short sale but could n't sell the house. In order to be considered for short sale or deed in lieu, Chase said we could n't be current on the mortgage. Once we went behind on the mortgage and moved. Chase keep transferring our paperwork between departments, losing paperwork, requesting paperwork we had already provided, etc. It took Chase a year and 5 months to finally say it was done. We now found out 3 years later nothing was recorded properly and it was still showing incomplete with the credit reporting agencies. I have been petitioning Chase to try to fix this and got some resolution. Chase now is reporting the Deed in Lieu took a year and reported us as behind the whole time. A law has been passed because of instances like this saying the process needs to be complete within 90 days. I have asked Chase to remove these late payments from my credit report and they refuse and have stated the process can take whatever time they need to complete it. I wish Chase had worked with us without forcing us to go behind in the mortgage and that the process was completed within a reasonable amount of time. Secondarily as I am looking into the laws on a Deed in Lieu it states that the lender can just accept the house in a deed in lieu and that the lender is supposed to negotiate this with the customer. Dealing with Chase was very confusing and they did take money from the VA and the deed to the house. As someone who served our country and is raising a child with a terminal illness I wish this had been more clear and that Chase had not taken my VA entitlement as well. I can provide more details on all of this if needed. This whole situation has been horrible and has affected me negatively much more than it should. Chase has even admitted they messed it up and were even showing incorrectly in some of their records that they had foreclosed on the house. I do n't think they even know what is going on with this account. I am trying to buy a house now in California and these issues are making it impossible.

Company response to consumer: Closed with explanation