vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My home loan was transferred from XXXX XXXX XXXX to SLS Services effective XXXX/XXXX/16. I have spoken with customer service representatives half a dozen times and sent repeated communications. 
1 ) They changed my monthly minimum when transferring my loan as they require 2 months reserve escrow rather than one month. This increases my monthly mortgage without my agreement and now creates a difficult situation to be able to pay the monthly amount. 
2 ) The continue to fail to credit my account for the monthly mortgage and rather apply it direct to principle despite paying timely payments and communications. They transferred the loan on XXXX/XXXX/16 and I did n't find out about the transfer until XX/XX/XXXX. Two payments were made in the original loan amount to my original mortgage company in the amounts of XXXX ( pay XX/XX/XXXX and XX/XX/XXXX effectively ). I spoke repeatedly with customer service and was told to pay XXXX XX/XX/XXXX and that will cover both the XX/XX/XXXX and any missing funds due to the change in monthly minimum due to the increase in escrow funds. I then paid XXXX XX/XX/XXXX which was intended to cover XX/XX/XXXX. They are still disputing that I am missing an entire monthly payment.

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 2017-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
M & T Bank and XXXX XXXX have fraudulent foreclosed on my XXXX property in Florida with out bring in me in the case. They actually listed my property for sale in XXXX. XXXX started the foreclosure with out bringing me in, and when I filed a complaint against them, they immediately sold the loan in the middle of foreclosure to M & T Bank who finished the foreclosure. These XXXX banks had put a cloud on my title & Now XXXX is washing their hands and passing it to M & T Bank.

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 2015-08-20 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
I contacted TD Solutions LLC at XXXX XXXX XXXX address being XXXX XXXX XXXX XXXX XXXX, IL XXXX and I spoke with a representative by the name of " XXXX '' I reached out to the agency after viewing an amount owed on my XXXX I contacted the agency to resolve the debt and to setup a payment arrangement. I was not advised that the call was monitored and or recorded by the representative until after she had asked me for numerous pieces of personal information nor was I advised of the Miranda warning. I was only advised " this is an attempt to collect a debt '' I had stated to XXXX that I am currently unemployed and in severe financial hardship and I can only afford {$25.00} a month but that I am willing to pay, the representative then told me that in order to accept that I had to give them {$250.00} as a down payment I told her I was not able to afford that, at that point she said she could n't accept {$25.00} and I would need to pay what she was telling me and I would need to call back when I can afford that. I then asked to be transferred to a manager she said I would have to leave them a voicemail I advised her I wanted to speak with a live manager or a team lead if a manager was unavailable she told me my only option was to leave a voicemail then she continued to speak over me cut me off when I was talking and then hung up on me. I attempted to contact the agency back to speak to a manager but was unable to get ahold of anyone.

Company response to consumer: Closed
Consumer complaint received 2015-04-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
When I purchased an automobile ( a XXXX Mercedes-BEnz XXXX ) I took out a loan with M & T Bank. When I received my vehicle title from the Maryland XXXX XXXX it reflected a lien. The loan was paid of in the beginning of XXXX. I expected that I would receive a document thet reflected the termination of the lien. This reflects my experience with my other vehicle. After some time has lapsed, I called the general service number for M & T to inquire about this process ( on XXXX XXXX, XXXX ). At that time, a service superviser identifying himself as XXXX said there may have been a error on the bank 's part and the title continued to reflect the lien in error. He said someone might get a hold of me about the issue. Since no one has done that as of now, I called again. This time XXXX responded ( on XXXX XXXX ). After hearing my information, she said New York XXXX places the responsibility for clearing a lien on the customer. After pointing out that I live in Maryland, she offered to turn me over to another superviser. Clearly, I am getting a different story each time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
to whom it may concern on the XX/XX/2015 i sent XXXX dollars cash through money gram at a Wal-mart store XXXX ca, XXXX and to come to find out that my money never got to the person I sent it to and i have kept in contact with Moneygram and I was told that it would take 10 days and then they told me 15 days and now the 15 days are up and now they are saying to wait another 15 days and I don't know what to do. please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I have setup payment arrangements with a couple of my collection accounts. I have noticed on my credit report that it does n't show I make any payments. I make the payment on time and it still shows XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XXXX/XXXX/15, I opened a checking account ( {$150.00} cash ) with M & T Bank XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/15 a direct deposit of {$4500.00} went through as well. On XXXX/XXXX/15, I was reviewing my account online and it had a {$150.00} bonus for a new account with direct deposit added. I called customer service and they said that although my direct deposit was new and went through on XXXX/XXXX/15, that my account was opened on XXXX/XXXX/15 and not new. They told me to call the local branch. I called the local branch and spoke with the XXXX XXXX XXXX XXXX XXXX who said although the person who helped me open the account new about the upcoming promotion, she could not tell me. I asked if I could close my account. She said I could not get any money out of my account. I told her she was mistaken. I called customer service back and they told me that I had to call XXXX back and ask for her XXXX XXXX XXXX XXXX. I immediately called XXXX back and she did not even remember me. I said XXXX 4 times XXXX, please just have XXXX call me. XXXX kept asking why and was I mad with her. I asked again XXXX XXXX time ) please have XXXX call me. XXXX called me 2 days later and said she could not help me, but XXXX was incorrect about not being able to access money. She said she would have someone call me back. The next day, XXXX XXXX called me and he said he would waive a {$50.00} closeout fee. This upset me, for no one ever mentioned that. He was rude, I immediately e-mailed customer service and after another week, XXXX finally called. XXXX was rude and said she would do her best to waive the {$50.00} fee and that I was not entitled to the bonus. I asked her for XXXX and afer asking 3 times, she gave me a business address with their e-mail address. She was rude and of no help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I purchased a XX/XX/XXXX Acura TL on XX/XX/XXXX at XXXX XXXX, NJ. The dealership stated that the bank charged me {$1500.00} in acquisition fees to get approved. The vehicle had some problems but I never drove the vehicle off the lot. The dealership made XXXX attempts to repair the vehicle and I told them I just wanted to cancel the deal. The owner of the dealership told me if I called the bank he was going to keep my money & the car. I called the bank on XX/XX/XXXX to cancel the deal of a vehicle I never took possession of and they told me that they could n't do anything on their end because the loan was n't in the system. The representative told me that I needed to call back in a couple of days. On XX/XX/XXXX, the dealership called me and told me the bank had sent the funds to them and they refused to cancel the deal. I called the bank to confirm this information and they told me I needed to seek legal counsel. If the dealership mislead me the fraudelent bank fees, car history, and bogus destination fees. I wonder what measures they went to get me approve and it needs to be investigated. I informed M & T Bank of fraudulent deal that I wanted to cancel and they would not assist me. I was scammed out of {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC

Complaint narrative:
On XXXX XXXX 2016, I made XXXX money transfers through Money gram from XXXX to XXXX, the XXXX was for USD {$5.00} to receive XXXX {$17.00} ( XXXX XXXX ) under reference XXXX, the second one was USD {$520.00} to receive $ XXXX XXXX, when I delivered this money I ask to money gram agent in XXXX that if there was a time limit to receive the money and also I if there was any a problem with the amount of USD {$5.00} and the teller told me that there was no problem. 
On XXXX XXXX 2016 the receiver and I went to Money Grams agent in XXXX and tried to receive my money and the agent named XXXX XXXX, we were told that we were not able to get the money because the transfers were blocked, and after two days of visiting XXXX offices from XXXX different Money Gram Agents and calling customer services phone it was impossible to have an agreement between Money Gram, the agents and me as the customer, on one side at money Grams customer service line they answer always was that there was not any problem to perform the payment that I was able to receive it when I want that I should go to another office and on the other side the XXXX different agents were not able to make the payment, finally at the headquarters of one of the agents ( XXXX XXXX XXXX XXXX XXXX ) there was a settlement between the agent and Money Gram customer support that the only way to pay me was to divide the transfer of $ USD XXXX in two different payments, but I would receive COP XXXX instead COP XXXX, because there was an extra cost for dividing the payment, finally I accepted because I was afraid to lose my money signing in the papers that I will submit a complaint ; for the USD {$520.00} transfer I received the money completely. 
After I received the money I submit a complaint through Money Grams web site, asking why they were charging me for dividing the payment, they answered me that the difference of the values was not for an extra charge but it was because they used the exchange rate of the day that was divided the payment which is under the rate when I delivered the money. 
The complaint is under case number XXXX since XXXX XXXX, Money Gram asked me some detailed information about which offices and agents I visited. I have asked about updates for this case number and they have answered me that the investigation is still under process, but after almost two months I am noticing no progress at all. 
From my point of view I have been a victim of the lack of communication between Money Gram with their agents and customers therefore I should receive the amount of money initially agreed, when I delivered the money. I did not request to divide me the money therefore I should not to assume difference of the exchange rate values, for that exchange rate deviation I received XXXX XXXX less than it was initially settled in our contract

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
IMC Credit Services in XXXX, IN has reported on my credit on behalf of XXXX XXXX XXXX XXXX XXXX without me being contacted in regards to settling the bill. They report a balance of {$320.00} on all my credit reports which is incorrect because I have made several payments on their website and asked to be contacted to offer a settlement amount since they have never tried to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
THE DEBT WAS INCLUDED IN A CHAPTER XXXX FILED ON XXXX XXXX 2016 FILIE NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
Well I sent money to my husband in XXXX and the person that we use to pick up the money never got to pick it up someone else made a Fraud ID and picked it up the cops were called into the picture. I have documents to show that it was improper of that bank to even accept this like it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
M & T Bank is giving us a difficult time in rolling my deceased mother 's IRA 's over into a beneficiary IRA at XXXX. It is one road block after another and continuous mistakes and negligence on their part. We completed the necessary forms over 1 month ago and M & T kicks it back to XXXX either saying there are no accounts ( when there are actually XXXX of them ) or they never received the forms ( we have email proof from the XXXX branch manager directly to the M & T Branch manager sending the forms ). They do n't return phone calls to us OR our branch manager at XXXX and we are at our wits end. They are making it impossible to move OUR money from M & T to XXXX. We are dealing with the branches of both banks located in XXXX, Maryland. Please ... we need help! We are being stonewalled and believe it is not just incompetence on M & T 's part, but their intent to hang on to our money as long as possible. I would never EVER keep one single XXXX at M & T.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Receivables Management Partners, LLC
State: SC

Complaint narrative:
I received a notice from DSG Collect, dated XXXX XXXX, XXXX, notifying me that they were attempting to collect a debt. In response to their letter and repeated auto-dialer calls to my cellular telephone, I sent a letter, dated XXXX XXXX, XXXX, instructing DSG to stop all communication. The letter was mailed to DSG Collect, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX, which was the address clearly listed on their collection letter. Tonight, XXXX XXXX, XXXX, I received a missed call and voicemail on my cellular telephone from " XXXX, '' advising me that he was calling on behalf of DSG Collect and that this was an attempt to collect a debt. This company has already violated the XXXX by using an auto-dialer to call my cellular telephone. Now, they have violated the FDCPA by contacting me by telephone after I sent a written cease and desist request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 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 have previously expressed my concerns to the CFPB about Moneygram 's discriminatory policies against latinos & received several phone calls from moneygram assuring me that they would not select latinos for extra scrutiny when sending money back to our home countries. Today, I went online to send money & again moneygram refused / declined my transaction. When I spoke to the customer service department, I was told that there is nothing else I can do & that their system security has flagged me as a money launderer. Really? Is this because I am XXXX or because I send money to my family in XXXX? This is news to me, since I have a great paying job & make several transactions a month wiringsmall amounts of money to my wife & children in XXXX. This company needs to be shut down or be forced to pay a very large civil penalty for what they are doing to XXXX & people of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
I have had an auto loan with M & T since XX/XX/2014. The payment date is no later than the XXXX of each month. If the payment is made after that time then my loan would be assessed a late fee. I have made every payment for this loan prior to that date. The loan is issued to myself and another individual however I am the person who makes payment on the loan. Last month I made a cash payment to a teller in XXXX New York. At that time I had a issue in which the teller harassed me. I asked to speak w a manager and the conversation ended with her expressing to me that M & T would contact the people listed on the loan every day until necessary information was updated. I made a call to M & T customer service and filed a complaint. I explained that the representative at the branch made a verbal threat. They advised they would file the complaint and forward it to the proper party. Neither of us who are listed on the loan have ever been contacted about lack of payment or late payment until today. The other individual on the loan was contacted by an automated system. They called back and at that time they were told that the reason for the call was in attempt to collect a debt and that the account was delinquent. Which is not the case as the payment is always made within the warranted time frame given. They also told him that they had no information to contact me as their computers do not allow them access to the same information as customer service. I called M & T to find out the issue. I expressed to them my concern as to why the call was made to the other individual on the account as the company was making it out to seem as though the loan was in a delinquent status. I also questioned as to why if all my prior payments made have all fallen within approximately the same timeframe was a call made to him for this month. My concern essentially was that M & T was using this as a way to harass me due to the complaint I made last month on the XXXX. If my payment in XXXX was made on the XXXX and Prior to that on XXXX XXXX why all of a sudden M & T feel the need to make this " collection '' call. M & T has never reached out to either one of us prior to this point. My payments have never been made late but in retaliation to my complaint I feel as though M & T made this call to the other person on the loan in attempt to humiliate me. They tried to make it appear as though I was not " paying my bills '' or holding up my end of the agreement which could not be farther from the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Following -up on case # XXXX which I disputed as follows : We have been going back and forth on the same issue : i.e. Ocwen does n't need to file a XXXX since there was no XXXX continuation ; however, Ocwen has been stating that did report the payoff to the county _ XXXX I know how did Ocwen did the reporting - letter, phone call, signs, announcements, etc ; whatever they did and in my estimate it could only be in writing therefore the need for a document - I request that Ocwen sends me a copy of 'the document ' they gave the county to report the pay off. 
With regard as your investor being XXXX XXXX, ( 1 ) please see your letter dated XXXX/XXXX/XXXX second page first paragraph in which you indicated that XXXX XXXX was the investor ; hence reason why you had shared related loan information with them. 
( 2 ) See my letter dated XXXX/XXXX/XXXX to XXXX XXXX who indicated that XXXX XXXX had assigned note to XXXX XXXX XXXX in XXXX ; hence reason for their filing of a XXXX which later got cleared. ( copies of UCCs attached ). 
( 2 ) How is it that XXXX XXXX who says assigned the loan to XXXX XXXX XXXX and files a XXXX in XXXX still owns the note with OCWEN servicing the loan on their behalf until XXXX and there is no UCC continuation ( by the way I never dealt nor did I know XXXX XXXX XXXX 's existence before XXXX when I close on another apartment ) and how is that Ocwen now has XXXX XXXX as the investor owner of the loan when you indicated that XXXX XXXX had assigned the loan to XXXX XXXX (? ) did XXXX XXXX assigned and the retrieved the assignments back and forth? 
( 3 ) With regard to late payments, my question was 'why did Ocwen held this loan in their collection unit ' when the loan as you pointed out had a minor late payment. ( which was, by the way, an error on Ocwen because I have never been late on paying this mortgage ). Please advise I also enclose copies of the XXXX originally filed by The XXXX XXXX Bank in XXXX which was cleared the same date. Your investor had taken over the note at the time but did n't file for a XXXX but decides to file XXXX in XXXX (? ) why I hope you understand my confusion and why your repeated same answers do not offer any clarification. Hopefully my questions are clearer and you can address them accordingly. I 'll be happy to clarify them for you should you need to.

Company response to consumer: Closed with explanation