vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
In XXXX of 2016, my husband and I renewed our investment property insurance with ( XXXX XXXX PA, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX ) ( XXXX. Company is XXXX XXXX XXXX XXXX ). 
On XXXX XXXX, 2016, my husband and I received a letter ( see attached ) from our investment property Mortgage Company ( M & T XXXX. XXXX XXXX, XXXXXXXX XXXX, phone # XXXX ) stating that we do not have sufficient flood insurance and that our investment property is in a [ Special Flood Hazard Area ]. And the letter went on to state that if they ( the mortgage company ) did not receive updated flood insurance, that they will obtain another flood insurance policy on the property. 
On XXXX XXXX, 2016, I called the XXXX of XXXX XXXX where the investment property is located and inquired as to what type of flood zone our property is in. According to the letter sent by the City of Sunrise, our investment property is not located within a Special Flood Hazard Area based on the Flood Insurance Rated Map ( FIRM ). [ See attached letter. ] On XXXX XXXX, 2016, we faxed a copy of the above letter to ( XXXX XXXX XXXX Insurance Agency ) and emailed a copy of the letter to M & T Mortgage to their offered website in their letter XXXX XXXX XXXX. 
Approximately on XXXX XXXX, 2016, we received a letter from M & T Mortgage stating that they had placed another Flood Insurance Policy ( see attached ) on our Investment Property, knowing that my husband and I already have sufficient flood insurance on the investment property. 
The mortgage company needs to have more respect for laws, policies and for us as property owners. M & T Mortgage does not own us and we are not someone to push and kick around. 
M & T Mortgage has falsely placed another flood insurance policy on our investment property causing us the responsibility of XXXX insurance payments. I hope you can inform M & T Mortgage that a federal policy/law is in place on this matter and they are not abiding by it, so they need to. We actually do not have to carry flood insurance because the property is not within the flood zone map, according to the XXXX of XXXXXXXX. But, M & T Mortgage Company goes and force place flood insurance on our property like we are some type of insignificant individuals. And took the flood money out of our escrow already, which I hope you inform them that they need to replace it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
I initiated an online money transfer with MoneyGram Online services on XXXX. The money was deducted from my bank account on XXXX. But the transaction was never processed by them. The normal time to process a transaction with MoneyGram is 1 to 3 days so I called on XXXX to inquire and was passed to XXXX different people. Finally I was transferred to " MoneyGram Escalated '' department. The young lady named XXXX refused to give me her title. She told me the problem was with my financial institution. When I said there was no problem there then she said she could n't tell me. She did offer a refund in 3-10 days which I found unacceptable since they had already had my money for 13 days. When I asked for a manager they told me there was n't one. When I asked what federal agency regulated them they told me they could n't tell me. I am mostly reporting this because I find it irregular and suspicious behavior and should be noted by consumers and the regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CT

Complaint narrative:
hello, I send money from Walmart using money gram, international transfer to XXXX, bank deposit, the receiver never got the money. I call every day to money gram to find out why the money was not deliver, the answer is please wait 24-48 hours we will investigate and we will call you back, the never did, I call again asking for refund, and again please wait 24/48 the say, with no answer where is the money? today I call again and the did n't want to transfer me to escalating department the just told me to wait for the answer .but is 2 weeks since I send the transfer, and the ignoring me over and over the have no answer!!! please help,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO

Complaint narrative:
On XXXX/XXXX/2015 I went to MoneyGram at XXXX XXXX XXXX in XXXX XXXX, XXXX for transfer {$890.00} plus fees for my friend in XXXX, over the weekend he contact me for telling me that he ha been transfer to a XXXX on XXXX he never got the money that I send it to him, when I contact XXXX few days ago a female told me that the money was paid to my friend 1 hr. later on XXXX, she told me that she will sent a compliance for an investigation to my email, of course I never received, Today I call again and the person over the phone told me that they do n't ever request id for pick up the money, he does n't offer a solution, his a supervisor his name is XXXX and he refused to give me his last name but he offer me his phone # XXXX XXXX, he finish telling me that I was a victim of fraud. what make me upset is the way they manage the money transfer, is unsafe, I will never going to use this service again, I do n't have my money back and neither my friend, we do n't know who has it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I was never contacted about this debt. I 've had a decent credit score for the past couple of years, and all of a sudden this {$15.00} debt pops up out of nowhere? It says that it 's from 2012! That 's 4 years ago, and I 'm JUST NOW hearing about it. It 's gashed my credit score and I want it removed and my credit score reversed back to how it was. I would GLADLY have paid {$15.00} if I knew about it! I was never contacted about any {$15.00} debt, and it 's from 4 years ago! My credit score should not be this low because of some tiny debt that I had no clue about!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Atlantic Credit & Finance, Inc.
State: CA

Complaint narrative:
XXXX and XXXX attorney office had contacted my siblings and my mom regarding my credit card collection prior to contacted me. They have disclosed my confidential financial information to my siblings and my mom. They used scare tactics to my siblings and my mom that they will use legal action against me if I do n't pay back the small amount of credit card debt. I called the XXXX and XXXX office to work on the payment reduction and payment plan. But the guy named XXXX only gave me very short time frame XXXX months and each payment is over {$1300.00}! That is a such high monthly payment in addition to my other family expenses! Despite the current bad economy, they do n't give you a chance to catch up and they said it will be a legal action if missing the payment. There is no room for negotiation nor longer time frame such as XXXX months or XXXX months like XXXX XXXX gave me. These are XXXX are taking advantage of us during the bad economy. If I could come up with extra {$1300.00} after all my family expenses, I would not be in this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Hi, in XXXX of XXXX, I was looking to sell my house and purchase a new one. My loan officer said that I was behind on my mortgage payments on my second lien. I told her I did not have a second lien because I had refinanced my loans in years prior. I had not received a bill or even a phone call on the second lien since XXXX of XXXX ( around when I had refinanced ). I contacted Ocwen and they told me that I did still have a second lien and that they were sorry that I had not been contacted in 2 years and that they did not know why I had not been. The guy told me not to worry he was going to offer me a deal and that I could pay XXXX dollars and be cleared of my second lien. He said it was a new thing they could do after the housing crisis. I repeatedly asked him, " what 's the catch? '' He reassured me that there was no catch and that everything was going to be ok but I had to move fast before the offer expired. I sent the money and signed a notice that made no mention of this being a short sale. I thought a short sale was when the house was being sold. The letter did mention that I would have to claim it on my income tax and I did. Well, this was XXXX of XXXX. We sold the house in XXXX XXXX. I thought everything was fine and my husband and I decided to wait to buy a house. This summer we started the process of buying a house and that is when I found out that Ocwen was reporting this to the credit bureau which was showing it as a charge off ( short sale ). Now we can not buy a house until XXXX or XXXX. I had absolutely no idea that this is what the agreement meant. I feel like they were deceptive in their practices. In fact, they have been issued a judgement against them for similar issues. I asked the man several times if there was a catch and he kept saying no. The letter I signed did n't say anything about a short sale or that it would impact my credit like that. We made more than enough on the house to cover that second lien and I would never have agreed to these terms if they were explained in that way. I would have just paid it in full. I also do not understand how a mortgage company can stop sending bills in XXXX and never call or let me know I was behind. This company would call if you were paying on the XXXX of the month so when I did not receive any bills or phone calls, I figured that the loans were consolidated in my refinance. I do not think it is fair or non deceptive to tell a client that they only have to pay a certain amount and not inform them of the credit repercussions. I had no idea. I as the consumer depend on the lender to be open and forthcoming because they do this everyday. This is my first house and I just trusted them. This house was paid for under the terms they offered me and was sold free and clear so there was no way that I would know that a year later, I would be facing this problem of not being able to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Someone fraudulently accessed my identity and opened XXXX credit cards using my name but an address I have never been to or resided. I subsequently contacted the credit card companies and closed the accounts. I also put a 90 day fraud alert on my information. 
I have tried every channel that I can find, both via phone and finding an email address to remove improper addresses and inquiries resulting in fraud using my identity. 
Can you provide me with the phone numbers or email addresses that I can communicate with the XXXX credit bureaus to inform them of this and have them remove this data that should not appear on my credit reports. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
I had a XXXX mortgage loan from GMAC that was bought over by OCWEN. OCWEN now claims that during the transition ... .I owe them one months payment because the GMAC payment was never reflected to their account. I have bank statements to prove I 've never missed a payment. They ( OCWEN ) have been constantly calling me 3 times a day ... .XXXX, XXXX, and XXXX for the last 3 months. They ( OCWEN ) have an accounting problem with GMAC and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
The mortgage we currently have with Ocwen is horrible. We have been making regular payments on time for the last 4 years and the loan amount is the SAME! How can that be? Every time I call them I get transferred several times and when I finally get to someone they state they have no record of the loan. So, where is my money going? And if there is no record of the loan ... then who am I paying? And are the embezzling the money? I have had mortgages before and the amount I owe tends to go down at some point. This is horrible and I ca n't seem to find anyone willing to help! Can you?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Subject : Regarding Loan Number XXXX Ocwen Loan Servicing, I just received a notice that my monthly payment will increase to {$2100.00} on XXXX XXXX that is a whopping 117.05 % increase in my monthly payment!!! 

this loan was not originated but Ocwen but IndyMac Bank which was shut down then the loan servicing was transferred to Ocwen. 
the dishonest loan officer at IndyMac Bank inflated and falsified my income to qualify for the loan. 

it was my understanding from the loan officer that the interest only payment is 10 years but my payment could only go up 7.5 % after that. 

I am XXXX yrs old and have lived in my home for 26 years. I was recently laid off my job and looking. 
My only income is SS and a small pension. 

I might need a loan modification to continue if I can not find work. 

How can you help me? 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Loan XXXX

Company response to consumer: Closed
Consumer complaint received 2015-04-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: First Associates Loan Servicing LLC
State: AR

Complaint narrative:
I attended XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During this time, I was pressured into signing documents in which I did not have adequate time to review or discuss with a financial advisor. I was told to sign the papers or I would be kicked out of school. They stated that all my loans were through XXXX XXXX XXXX or through Federal Loan funding. Now in XX/XX/XXXX, I have received a phone call from a collection agency stating that I owe them money in the amount of {$2400.00} to a XXXX XXXX XXXX. My wife called and spoke to XXXX XXXX and they state the actual amount of the loan is {$24000.00}. I have never received paper work in regards to this private loan. I am currently working with XXXX and another company to get my federal and XXXX XXXX loans out of default, it came as quite a surprise that I am being told I owe an additional {$24000.00}. I did not receive a job upon graduation from XXXX XXXX, nor did they assist me in job seeking as advertised by their financial aid department and admissions departments. I am at a loss as to my next step with this school as they have ruined my credit and any hopes of owning a home, car or not having wages garnished.

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 2015-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: GA

Complaint narrative:
On XXXX XXXX, 2015 I drafted a letter requesting debt validation in writing of XXXX accounts ( Account Numbers : XXXX and XXXX ) Hunter Warfield claims I owe within 30 days via mail. I discovered these accounts were being reported on Equifax, TransUnion, and Experian. This letter was sent certified mail and signed for on XXXX XXXX, 2015 by XXXX XXXX. I have not received any information from this company regarding these accounts. My complaint is one of noncompliance on this company 's part. Also, these accounts are being reported to all three credit bureaus without providing validity of this debt to me. This is harmful to my credit scores. Not to mention, horrible business practices on this company 's part.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: NH

Complaint narrative:
Since XXXX 2013 that is win Ocwen mortgage co. took over my account from IndyMac bank.ocwen hasnot reported my payments to the credit bureau. they told me that I needed to refiance my mortgage

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

Complaint narrative:
Due to a loss of income i have reached out several times to HSBC to reduce my mortgage rate. all they have been doing is extending the term which is putting me in more and more death. i can not understand why as a consumer trying to do the right thing and not fall behind on my mortgage they are not able to assist me. All i want is a permanent fixed low interest rate. I have even hired lawyers spend money, and all lawyers tell me is that its difficult with HSBC you have to fall behind for them to reduce your rate. My credit is already not good, i have credit deaths so why would i want to increase that i also have a kid that i have to show some sort of example for. Why when im trying to do the right thing and not fall behind i am unable to get the necessary to have a roof over my daughter head. I am sure im not the only consumer having this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc
State: FL

Complaint narrative:
Upon vacating our former apartment complex, we were sent via certified mail a list of charges due. We found that the charges related to the utilities are fair and accurate, but we are disputing the charge for carpet replacement. After contacting property management we were instructed to dispute the charges in writing explaining our position on the matter. 
The dispute letter was delivered to property management in person. While waiting for a response from property management, we were contacted by Hunter Warfield via telephone for the purpose of collecting the debt in its entirety. We explained that we were in the process of contesting certain components of the debt with property management and were not really certain as to why a debt collection agency would be reaching out to us. We do not feel as though we are responsible for replacing the carpet as it was left in the same condition in which we received it. We have pictures and a move-in inspection that notes that there were stains on the carpet at the time we took occupancy of the apartment. The carpet was not new when we moved in. This was the point made in our original letter to property management. We were merely informed that a notation on the account would be made. We contacted property management who said it was now out of their hands which we found shocking being that we were waiting on a response from them. They then informed us that they responded to our letter via certified mail, but acknowledged that they had not received notice from the post office that their response had been received. We never received a response from property management by either letter or phone call. Since then, Hunter Warfield has repeatedly phoned for the purpose of collecting the entire debt without formally identifying themselves, sending anything in writing for the purpose of debt validation, or explaining the process of disputing the debt. During every phone call, we 've simply repeated the entire story to each Hunter Warfield associate that has called. During our last exchange with Hunter Warfield, we found the associate to be very rude and condescending as she threatened actions that would have adverse effects on our credit reports. It was then we began to feel harassed and quite stressed about the situation. I have repeatedly called XXXX XXXX at XXXX to open a better line of communication. I was sent to her voicemail only after being hung up on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My mortgage lender is claiming I owe considerably more than I believe I actually owe. They can not document the additional charges they claim I owe. I do owe something, but they are grossly overstating the amount. The spreadsheet they provide to document the amount ( s ) due has an arrearage column that makes no sense. 
Additionally on numerous occasions, I have requested the lender to send me copies of the original loan documents with my signature and my husband 's signature to verify amounts due. They can not produce these documents.

Company response to consumer: Closed
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Since XXXX, we have been asking American Home Mortgage Servicing , Inc, now known as Homeward Residential ( servicer prior to Ocwen ), to provide evidence that XXXX XXXX Bank, XXXX as trustee for Option One Mortgage Loan Trust XXXX was the owner of the note. Each time they sent us a copy of the note, it never included an allonge. But in XXXX, AHMSI presented an allonge that was blank and a later allonge that was stamped. Once Ocwen became our servicer, we asked Ocwen to validate the debt. In a response from Ocwen, Ocwen states that they " would not be able to provide us with the original wet ink signature loan documents '', but an attorney for Ocwen claims to have the original wet ink signature loan documents.

Company response to consumer: Closed with explanation