vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The " servicing '' of my mortgage was transfered from IndyMac to Ocwen XX/XX/XXXX. I was invited to and was sent forms for an HAMP mortgage modification from Ocwen at that time. I was subsequently denied a modification, but Ocwen continued to accept my payments from the modification agreement made with IndyMac XX/XX/XXXX. When I was denied a modification, I requested from the agent in charge of my application a response in writing that would spell out what the terms were for the denial. I was verbally assured by that agent, XXXX XXXX XXXX XXXX that I would be sent the information but instead, about a week later I received the formal notice that I did not meet the " eligibility guidelines '' for XXXX. I suspect my income information supplied to Ocwen was fraudulently adjusted and I was hoping I would be given a chance to rectify this situation. The fact that the information requested was never forthcoming from XXXX XXXX or Ocwen suggests that my assumption of their illegal and fraudulent actions was justified. I believe I am qualified for a mortgage modification under XXXX guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I have asked Ocwen for loan payoff release documents i.e. XXXX and they say that because there was no XXXX continuation they did n't have to file a XXXX. 
However, how does my loan receives a lien clearance without this document?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
This now my 3rd complaint and the XXXX previous times OCWEN has told me they have addressed the issue when it has not been addressed. I have received partial answers and submitted my responses view this portal yet my complaint gets closed out with no resolve. My biggest issue is proving my actual debt yet every history I receive somehow does not include critical transaction like my misapplied payments and when they have been reapplied. I would like to have that addressed. I have also asked about the negative reporting against my mortgage. My issue is that negative reporting continues even while the debt is in dispute despite the fact that negative reporting is to cease when the debt is in dispute. I am a service member and was moved out of the home when I received orders but was trapped do to my developer going under. The reporting and the lack of transparent, clear answers is having a financial impact on me and now runs a risk of impacting my job through my clearance. I am being damaged because I am dismissed and have been dismissed while fighting this issue for years now. While things have improved as OCWEN has begun to come into compliance with the National Mortgage Settlement it still fall short. I am also still receiving collection calls while the debt is in dispute which is not supposed to happen and it has taken 3 months and several phone calls just to get an ESCROW analysis when I have n't received on in years. I appreciate what has been done thus far such as finally providing a case manager while falling short of the legal requirement for years but things are still not being met.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have tried to settle my account with XXXX Hunter Warfield for the last 6years.. and they have refused to accept my releting fee for the amt of {$580.00} and has been decline by several agents including Management team..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Revenue Recovery Corporation
State: KY

Complaint narrative:
It shows on my credit report I owe {$530.00} to Revenue Rec. I called to find out what was going on since I never received a bill the guy on the phone told me it was through XXXX XXXX hospital and I owe another {$500.00} and something for a hospital bill to XXXX XXXX XXXX. I told him I didnt get a vill for either one and I have medicaide and medicare he insisted he talked to me in XXXX 2015 I tols him he didnt talk to me and that I have Medicaid and Medicare. He said I would have to take that up with the insurance company but it was probably to late. I told him yea because no one ever gave me notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: M&T BANK CORPORATION
State: SC

Complaint narrative:
My mortgage account was transferred from XXXX XXXX XXXX to M & T Bank a few years ago. In 2015, I was experiencing some income challenges and fell behind in my payments. From XX/XX/2015 through XX/XX/2015, with XXXX grace, I was able to pay off the agreement with them. This was to clear ALL debt due and I was to start fresh for the new year, per their Mortgage Assistance Department. This never happened. My XX/XX/XXXX bill included additional " past charges '' that there Customer Service Department insisted were still due. 
To make matters worse, I changed mortgage insurance from XXXX to XXXX in XX/XX/2015. I contacted all parties ; bank and both insurance companies however, the mortgage still reflected the higher XXXX premium for XX/XX/XXXX. I paid that month, hoping that the corrections would be made the next month. They were not. I called and was told that whichever department that processes insurance changes had not done so. In the meantime, I was to pay the excess charges, since the bill was sent already, and I would be reimbursed. I told the young lady, to whom I was speaking to, that that made no sense to send money that I do n't have or owe. She stated that there was nothing she could do. I sent the payment with the new premium amount for XX/XX/XXXX. Later that month, I received a check from M & T Bank for the XX/XX/XXXX overage that I had paid. The next month, my bill still carried the old premium and again, I did not pay that portion in XX/XX/XXXX. Since that time, the bank has been carrying that old premium as something I owe, which I do not. I have not spoken with the bank as each time I had in the past, the person receiving the call speaks to me as though I am at fault and gave no credence to anything that I have tried to explain. 
I discovered yesterday, in checking my credit report, that they have been reporting to them, 30-day late payments ever since XX/XX/XXXX despite my monthly on-time payments! This has reflected negatively on my credit rating and has caused me to be declined for a car loan, which I now desperately need!

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 2016-11-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
Sent a letter to verify debt to Financial Control Services for XXXX. They sent a letter with only XXXX lines as a verification. The letter is not its.used but just shows the total THEY say I owe. The letter says they consider it accurate. I believe this does not meet the requirement and need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
I created an ad on XXXX looking for a room. Someone named XXXX responded back stating he had a studio and to send his uncle ( who supposedly owns the home and lives in XXXX Illinois ) {$280.00} for this month. We were then supposed to meet up in XXXX to sign the lease ( I can provide the address ). I kept calling him and no answer. I called MoneyGram Customer Service and they said it was too late and they took all my money and there was no point going back to the store called XXXX XXXX XXXX XXXX XXXX where it was purchased. Grand total was {$300.00} w/ fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Atlantic Credit & Finance, Inc.
State: MA

Complaint narrative:
Dear Consumer Financial Protection, I went to a XXXX office in XXXX ... my XXXX. The XXXX office applied for a loan out of XXXX XXXX ... for {$1000.00}, to XXXX and make XXXX. I agreed in good faith to the loan ... I had no other way of repairing my XXXX. I am living with a fixed income and I did not have insurance. 

I had my XXXX. During the XXXX, I thought they were going to make me have a XXXX XXXX ... I was upside down in the chair as the XXXX 

XXXX. XXXX. XXXX. 

I contacted XXXX and explained why I could not pay ... XXXX. 

XXXX 

The collection agency is bringing me to court on XXXX/XXXX/2016 ... what recourse do I have?? 

It appears as consumers for XXXX health we are being taken advantage of with the high cost of XXXX care combined with those XXXX places who do not provide quality care and as a consumer, XXXX. 

Current collection activities ... XXXX and XXXX Atlantic Credit and Finance Special Finance Unit, LLC File number # XXXX XXXX XXXX, MA XXXX Stating amount owed as {$1300.00} plus {$50.00} court costs ... adding insult to injury! I am indigent! 


Court hearing ... XXXX/XXXX/2016 XXXX District Court Court Docket number ... XXXX XXXX MA XXXX Thank you for your attention to this matter. 
XXXX XXXX XXXX

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 non-monetary relief
Consumer complaint received 2016-03-30 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NH

Complaint narrative:
On XXXX/XXXX/2016, I submitted XXXX transactions on MoneyGram International site. XXXX of them succeeded, yet there was network connectivity issues between MoneyGram and my bank via through me. Due to the first transaction, it became an error, yet my bank still saw the hold amount against my account as authorized transaction. XXXX one was canceled in my choice due to the first error. The XXXX transaction, I choose to post ACH money transfer through my routing and checking account, and that too was successful attempt, and due to the present errors I found after the fact of calling MoneyGram, I canceled the third transaction. On XXXX/XXXX/2016, I see a debited amount charged on my account of {$99.00} against me, and now caused overdraft charges to other amounts I posted besides this charge, that I did cancel was posted by XXXX XXXX and paid MoneyGram, yet they insisted and denied that they did not receive any monies from due to it 's cancellation. I have documents to suffice and prove this is the later and is contrary and untrue, and was still charged and my bank institution still accepted the payment and debited other fees due to my in the negative balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: SC

Complaint narrative:
My XXXX mortgage ( account number XXXX ) closed XX/XX/XXXX I have been paying XXXX with my monthly payments but as of XX/XX/XXXX or earlier my XXXX ratio became was less than XXXX %. XXXXs letter of XX/XX/XXXX states when this principal balances wa reached, they would not longer collect XXXX. On numerous occasions in XX/XX/XXXX I spoke with their customer support staff. They would not stop the XXXX collection. I have received a XX/XX/XXXX escrow analysis that appears to indicate that the XXXX will not be billed. But there is not definitive wording to that effect..

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 2015-04-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T bank put a hold on a bank to bank transfer for {$9000.00} and are holding my money in limbo for almost three weeks. I have call to release the funds or transfer back. No response from them on calls and messages. No explaination. They sent me a form again with no explaination. I need funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
My personal and business accounts were suddenly closed for no apparent reason at my bank. I was given less than 30 days to respond to this action. See attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I am a customer of M & T Bank for my home mortgage since they purchased my mortgage in XXXX. I have always paid my mortgage payment online through M & TBank 's online system. In XXXX XXXX, M & T Bank unlawfully locked me out of my account, in spite of my repeated entries of my valid username and password. I was unable to make my payment on time and was unable to receive any help from M & T Bank customer service to make my payment on time. Now, M & T Bank is insisting I pay a late fee, as well as a fee to pay with a representative, because their own online and phone automated systems did not work correctly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Atlantic Credit & Finance, Inc.
State: MI

Complaint narrative:
I do not have a case # yet as I have not received notice of any pending action. The collection company seized my bank account leaving me with a {$0.00} balance for a debt that is too old to sue on without properly notifying me and from a bank account that has exempt funds on it. It is in the XXXX XXXX XXXX in XXXX XXXX, MI. This is the second time they attempted this and were ruled against last time which was about 7 or so years ago. This debt is about 12 years old. I have collected unemployment on this account and I do have food stamps and am considered indigent. Please help me. The law firm representing them is XXXX - ( XXXX ) XXXX and ( XXXX ) XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI. ATTNY : XXXX XXXX XXXX.

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 2015-06-23 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: WA

Complaint narrative:
We relocated to XXXX and want to close our bank account in XXXX NY. We call them to let them know that we no longer need the accounts but they ( M & T ) reps wo n't close the account. On top of that they keep charging service fees and other fees on the accounts. 

This is rediculous please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XXXX/XXXX/2016 I deposited XXXX XXXX $ dollar bills via the atm at the M & T Bank in XXXX Pa. XXXX. I could clearly hear the machine malfunction. It kept the money and dispersed a slip telling me to come into the branch during business hours the next day. I did and they told me they would have a technician look at the machine and have someone from their security department view the surveillance video, they issued a provisional credit for the XXXX of XXXX/XXXX/2016 nothing has been done and I was told at the bank yesterday that they would reverse the provisional credit on XXXX/XXXX/2016 I 'm out the XXXX. I was also told that no technician has looked at the machine or the video as of yesterday. M & T has had a whole month to investigate this matter and they have n't I was also told yesterday that on the day of the deposit that the machine balanced out so they do n't know where my money is. At this point the only conclusion I can come up with is that there is a theft involved here.

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 2015-11-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This debt is not mine I am a victim of ID theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I HAVE HAD NUMEROUS CALLS FROM PORTFOLIO RECOVERY ON A DEBT THAT I AM NOT SURE I OWE. WHEN ASKED MULTIPLE TIMES TO SEND ME IN WRITING THE ORIGINAL FACTS THEY REFUSE AND THREATEN ME WITH JAIL. THEY HAVE CURSED AT ME AND SAID I HAVE COURT DATES AND SUBPEONAS THAT IVE NEVER SEEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KS

Complaint narrative:
When the lease agreement with Toyota Motor Co. ended XXXX XXXX, XXXX, I chose to purchase the XXXX XXXX XXXX, & TMC received payment from XXXX XXXX XXXX by or before the XXXX date. As of today ( XXXX/XXXX/XXXX ) Title for the vehicle, naming XXXX as lien holder, has not been received. As a result, when the registration expired in XXXX. I was unable to register the vehicle, so I am unable to drive my car. XXXX was, and is still, expecting to see the Title & has been co-operative, so far, while payments to them have been timely. Numerous contacts to TMC, beginning early XXXX, have been made, & each time I have followed the advice of the representative & in return, advised them of the pending registration end date. A lien release was sent to XXXX, KS XXXX XXXX. XXXX KS DMV has joined in contacting TMC regarding need for Title-not a lien release. I was informed on my last inquiry ( XXXX ) that the title had been sent to both the DMV in XXXX, KS & to me at the home address on XXXX XXXX. Neither I nor DMV have received the much needed Title. When I asked if TMC had overnighted the Title, I was told it went out in the regular mail. I also requested, during that same phone contact, a written explanation & apology from TMC-not received-no surprise! XXXX holiday may have caused some delay, but almost 2 weeks-unacceptable! When I phone TMC today, I will tell them I have filed this complaint in the hope that CFPB can get resolution to this frustrating & unnecessary delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Improper contact or sharing of information probably best describes what happened. 

I received a call asking for someone who is n't me. I let them know I was not who they were looking for, but I wanted to know how my phone number was on their call list. 

The only response I received was : I 'm sorry, we must have the wrong phone number. To which, I asked, how exactly did my number end up in your system. 

I was escalated to a manager, and again, the only response I received was that if it was a wrong number, they will mark it as such. But they had no explanation for how they received my number. 

The manager tried to feed me some XXXX by telling me that it 's probably just a leftover reference from the old owner of my phone number. I informed him that I 've had my phone number for over a decade, which should put the debt they are trying to recover for beyond the statute of limitations in most states in the US. 

The manager offered to pull up the record and saw that the first time I was called was in XXXX 2015. That pretty much exposes the flimsy explanation the manager provided me in the beginning. 

In addition, a cursory google search shows that Portfolio Recovery Associates has been guilty ( and fined for ) of attempts at recovering debts beyond the statute of limitations in NY. 

I am writing this complaint to say that it looks like Portfolio Recovery Associates may not have changed their behavior and are likely continuing to try and recover debts outside of the legal limits. 

I do not feel their tactics are honest, and I am further in support of reform of the debt recovery industry. People should, without a doubt, pay their debts, but debt recovery agencies need to be held to greater accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery Associates continues to send me collection notices for I debt that I do not owe. I 've advised them numerous times to stop sending me letters and they continue to send them to me. They were also calling me on my cell phone multiple times a day without my consent. I advised them at least twenty ( 20 ) times to stop and they did not. I ended up blocking their calls so I am not sure if they are still trying to call me. The latest letter is dated XXXX/XXXX/2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates just called me today on a 11 year old debit that was off my credit report and they did try by mail in 2012

Company response to consumer: Closed with non-monetary relief