vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery called my work disrupting patient care. They call around XXXX or before when I was very busy working for the patient when they call. My coworker gave me the name and return number. I work in a XXXX and somehow they found my department from someone. After work I called them back and informed them they cant call my work by the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I have sent several requests to Portfolio Recovery per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Ocwen is not a trusted company. 
I have heard about wrongful business against home owner in all United States. 
Unfortunately, I 'm another victims on their hands. 
Unless you 're rich, and have money to sue them, so they will learn the lesson in Connecticut State too. 
Below is list of my complaint:1 ) On my XXXX/XXXX/2015 Statement advised me of payment amount from {$620.00} to {$670.00} ( {$42.00} increase ) and said the further detail regarding the reason as going to be included in the separated letter ; 2 ) It is noted that on the same statement on XXXX/XXXX/2015 Ocwen received a {$5000.00} payment:3 ) On my XXXX/XXXX/2015 Statement advised the same ; 4 ) On my statements XXXX/XXXX/2015, and XXXX/XXXX/2015 they increased already to {$670.00} with no previous justification why. 
5 ) On XXXX/XXXX/2015 I accepted the offer for re-cast and sent the paper offer ; 6 ) As for now, they refuse to re-cast, they lost the previous acceptance, they opened and investigation, and they refuse to give credit for that the same they received the {$5000.00} that 's on XX/XX/XXXX. 
XXXX ) Ocwen is charging too much for escrow {$400.00}, a year is {$4800.00} ( {$400.00} x XXXX = {$4800.00} ) a price for a single family home, I have a town house, and the yearly taxes is not more than {$2500.00} ; 8 ) Ocwen plans to raise the escrow ; 9 ) On my XXXX/XXXX/2015, Ocwen raised already the escrow to {$440.00} a month that 's {$5300.00}, double of XXXX, CT required taxes ; 10 ) Also Ocwen is trying to receive a fee of {$490.00}, that has no sense and is not listed on their charge list.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TN

Complaint narrative:
In XX/XX/XXXX I purchased a vehicle. Within 6 months I turned it in to avoid repossession. It was XX/XX/XXXX and I received a notice from Professional Bureau of Collections of Maryland , Inc that I owe XXXX for an old debt. I requested a letter of validation in XX/XX/XXXX. I just received it dated XX/XX/XXXX. It shows loan date of XX/XX/XXXX and then XX/XX/XXXX I believe is the turn in date. It shows no activity for 5 years then in XX/XX/XXXX it shows a payment of XXXX was made ( which I did not make ). Then no activity for 3 years and then it shows payments of XXXX each for 23 payments until XX/XX/XXXX. I made none of these payments. I believe they made these payments on my behalf in order to extend the statute of limitations. This account is 11 years old and should be well past the statute of limitations. It shows XXXX as the balance on page XXXX but on the letter it shows I owe XXXX for a vehicle I turned in after 6 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
I have disputed this account twice, I have not had services from this creditor in at least ten years. So even if it was XXXX of my old bills, it is past the statute of limitations in Illinois to be on my credit report. But, it is not my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On Thursday XXXX/XXXX/16 I attempted to sent {$200.00} to my Fiancee in XXXX on line by MoneyGram. I received an email saying that I should call MoneyGram to complete my transfer. I call an spoke with a lady who asked me many personal questions about myself including questions about my fiancee. I was told the reason why I had to call was because it was my first time sending money on line. I told her that was wrong it is my second time because I went through the same thing the first time. After answering all of the questions asked I received an email at XXXX XXXX saying : Your transfer has been sent. Give your receiver the reference # : XXXX and she will need the reference # and their Photo ID to pick up money. At XXXX XXXX I received and email from MoneyGram saying : Your transaction has been canceled and will no longer be processed and if I have questions to call them. I called them and the response was Money was not comfortable sending the money to your fiancee. What does that mean?. For the record I send the money from my bank account using my debit card. Why do I have to wait for XXXX to 10 days when the money was immediately debited from my bank account? What happens to my personal information that the employee of MoneyGram who was in another country asked me? What is the real reason for the cancellation?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I was charged over {$15000.00} in bank fees in 3 months. My cash deposits were held as pending and fees accumulated due to the timing of the deposits. Holding deposits caused negative balances, NSF checks and many bounced check fees. A detailed review of my account listed the time of many transactions as " time not available ''. 

My account was set up for XXXX transactions. All transactions over XXXX are charged {$1.00} per transaction. I made several requests to have my account changed to an account that would accommodate more transactions, but the account was never changed. In one month I had XXXX transactions. 
Information about my account was provided to third parties without my consent, which proved damaging to my reputation. 
Requests for reimbursement of the fees were ignored and then finally denied with out any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
I have an FHA loan with M & T Bank that my husband and I used to purchase our home in XXXX. We paid as agreed for 5 years until my husband suddenly passed away in XXXX. He was the sole breadwinner in our home, and I am in dire straits as M & T Bank is moving to foreclose on me. My daughter lives in the home with me along with XXXX granddaughters and she does contribute towards the bills, but not enough that I am able to keep up with the mortgage payment. I have applied for XXXX and survivor benefits and have a hearing coming up soon, but will not receive any benefits until AFTER the hearing. I have tried to explain this to M & T but they have been very heartless. Their agents have called me wondering where the payment is, and threatening me with foreclosure and eviction. I then applied for help through the government FHA programs but M & T has not willing to work with me or consider me for any options. 

I have been told that M & T should be offering some type of " grievance forbearance '' due to the death in the family, where no payments are due for a few months in order to get my family affairs in order. However, M & T has not offered this option. I also know there are other types of programs including modification, partial claim and special forbearance, or even " suspended payments '' that could assist me during this difficult time. Once again, M & T Bank has not been willing to give me any help or any consideration for assistance. I assure you, once I have the XXXX hearing and benefits are awarded I will be able to resume making payments. I ca n't believe that M & T is moving so aggressively to foreclose on me instead of giving me a grace period or some consideration for my situation. I ca n't believe that this is allowed. I am sure this situation has happened before, I know they need to get paid on their loan but would expect some consideration and a fair negotiation.

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 2016-07-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ClosingMark Financial Services, LLC
State: NV

Complaint narrative:
My mortgage company has been paying the premium on my homeowners insurance per the initial terms of the mortgage. I have been receiving communications since XXXX of XXXX that there was a lapse in homeowners insurance coverage from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and I am being asked to pay the mortgage company over {$4500.00} to obtain coverage for the same period. I have tried to resolve this with the mortgage company through written ( email ) and phone communications yet I have not been offered a proper resolution to the issue. I do n't understand being charged an excess of {$4500.00} to cover homeowners insurance for a less than XXXX months period of time. I have tried to obtain coverage for the period in question on my own, but I am unable to get an insurance company to write a policy for a period in the past.

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 2017-03-22 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IN

Complaint narrative:
MONEYGRAM FAILED TO SIGN US UP FOR ALL VICTIMS FUND FOR FRAUDULENT MONEY ORDER AND SCAM TRANSFERS TOTALING {$100.00}, XXXX IN REFUND REQUESTED. 

SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from Financial Control Se I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Financial Control Se in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. My husband is a veteran and we 're looking to buy a house in the next year..Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
On saturday XXXX/XXXX/15 I recieved a phone call from ( XXXX ) XXXX claiming they were with XXXX and that I had been approved for a loan. They told me I needed to send XXXX $ cash through Moneygram and they would deposit my loan into my account. I was told the loan was for XXXX dollars and i would pay XXXX a month back.. I went to cvs in XXXX ohio and sent the money to a person named XXXX. After i sent the money i was told i was being placed on the line with XXXX of their account specialists. I recieved a call from another Texas number and they said i needed to send XXXX more dollars for the wire transfer insurance. I was and am still under financial pressure and these people scammed me out of my last penny. i called moneygram and they basically told me that the money had been picked up and there was nothimg they could do. Please help my father and I. Things are hard enough without this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
KelKris ( XXXX Credit Bureau Associates ) drafted a Stipulation to Set Aside Default and for Settlement and Entry of Judgment to discharge a debt filed against me. The company 's attorney negotiated an amount of {$4200.00} with my attorney, I accepted it, and sent them a check in keeping with their instructions in the Agreement. Now they are reneging on it saying the {$4200.00} was in error. Now they are saying they want {$6700.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
On XX/XX/XXXX I sent XXXX to a person in XXXX XXXX via " MoneyGram '', on XX/XX/XXXX the person attempted to withdraw the money at XXXX different location and He was told that the full amount was not available for withdraw, the XXXX places in question are " XXXX XXXX '' and " XXXX XXXX XXXX ''. I call " MoneyGram '' and they say the full amount was ready for withdraw and gave me the name of another institutions where the money could be withdraw, this creates an issue for both the sender and the receiver because more time is wasted on phone calling and to figure out a way to withdraw the funds. 
Situations like the one mention can discourage persons like myself to continue using " MoneyGram '' Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
I have requested that Ocwen ( Mortgage Company ) stop calling me at my Job. I gave them my cell and home phone number but they continue to call my job. I work at a help desk with XXXX other individuals and all have answered the phone and knows who they are. My boss has answered the phone in the past and also asked them not to call the work number again. Every morning I still get two ( 2 ) phone calls. I do not mind them calling mine or my wife 's cell or my home phone but they really need to stop calling my job. Is there anything that can be done to stop them from calling my work place?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kansas Counselors, Inc.
State: KS

Complaint narrative:
In XXXX I injuried my XXXX 3 times. I 'd seen multiple doctors, surgeries, pt 's. I ended up with XXXX 's of dollars in debt, and zero way to pay it. I lost my job, I lost my entier life savings. I was living off my daughter ssi of XXXX dollars a month, and in massive physical pain. About a year later in XXXX. I 'd be reported to collections by XXXX. For over XXXX dollar. I send them XXXX dollars. I think got a bill for XXXX dollars. I never called them and worked out a payment plan. I did n't do payment plans because I could n't honor them. My mom every 6 months would send me some money for medical debt. I sent them XXXX dollars, in XXXX, and that was the last I heard of them until yesterday. 5 years. When the filed 5 years of non payment collections on my credit. They never called me, they never billed me. They made zero effort to bill, call me, never sent it back to collections. Until XXXX/XXXX/XXXX. My money problems never got any better. I since been dx with possible XXXX, and I live off I and my daughter XXXX, at XXXX dollars a month.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Received Chapter XXXX Now years later mortgage company is posting on my credit XXXX BalanXX/XX/2016 Account Number XXXX Creditor Name OCWEN/LITTON LOAN SERVIC Industry Type Mortgage Companies Street Address Line XXXX XXXX XXXX XXXX XXXX City XXXX Zip XXXX State TX Amount Delinquent XXXX Payment Status Unknown Creditor Preferred Contact Other Consumer Statement Chapter ce but has effected my score why would they do that Litton Loan co

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
We have been trying to work with Ocwen for XXXX years now on keeping home after a job loss, bankruprtcy and a Loan Modification process which included XXXX trial payments made by us with Ocwen implying they would grant us a Modifiation, we filled out final paper work for a modification and then Ocwen proceeded to cancel it without notice despite the fact that we followed through on our end and they are now implying that they are proceeding with foreclosure process. We have had numerous certified letters returned to us as undeliverable even though we mailed them to address given to us directly by ocwen. we have had telephone conversations with their " agents '' who promise a solution us long as we continue making our payments and these " promises ' are turning out to be just spoon feeding us that thee is a solution. We were told they would give us a loan modification only to then be told that due to some technical difficulty it was cancelled and we were never notified of it? Who does business like this? We have stopped trying to deal with them by phone because it becomes he said, she said. We have been doing every thing by certified mail and keeping documentation of such. No one at that company seems to know what the other person at that company if doing. We receive numerous correspondence from them that come after letters that tell us one thing only to be told something else. they are impossible to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
This complaint relates to unresolved complaint # XXXX. 
The response submitted to me by Ocwen is not responsive. After spending approximately two hours on the phone with the Ocwen Ombudsman person assigned to my case, her response is still the same as when I filed the initial complaint. Her response still concludes that I am behind XXXX payment, which is precisely what my loan status was at that time. Despite confirming with her that every payment required by Ocwen of me - that being the regular principal and interest payments and repayment of outstanding escrow balance amounts - have been paid by me. The principal and interest payments due each month have been paid by me on time in the month due. The payments to repay escrow balances were fully paid by me once I became aware of the outstanding balance. There has been no outstanding escrow balance since XXXX XXXX, XXXX. 

After two hours spent, there was no dispute about this with her. 

I received a XXXX page response letter detailing Ocwen 's servicing procedures and accounting rules, which I do not care about. She concludes I am still delinquent by one month as of the date of her letter dated XXXX XXXX, XXXX. 

This simply can not be the case. I still need CFPB help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Ocwen Loan Servicing bought my loan from Litton Loan and since then, I have had nothing but problems from this servicing company. On many occasions I was told the wrong amount due, had my payments sent back to me, some payments were applied to principal rather than the monthly payment due and my escrow account always stayed in the negative, even though escrow was included in my payments to them. I had payments held in suspense at times and unjustified added fees, with overall poor payment processing of my accounts. When I would call customer service, I was always given someone in XXXX to help me. I never received any answers to my questions or complaints, for the representative seemed to be reading only by a script. 
Now, I have yet another problem with Ocwen. They are reporting to the XXXX credit bureaus excessive late payments ranging from XXXX and reporting the XXXX mortgage with a charge off on XXXX bureau and a collection on the other XXXX bureaus. There was never a CO in XX/XX/XXXX as they are stating.These mortgages were paid in full and I find their reporting to be severely inaccurate in every stage of the mortgaging process!! I can provide my attorney 's information, if needed.

Company response to consumer: Closed with explanation