vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-29 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
I am currently unemployed, so I am looking for work. I received an email about a XXXX XXXX position on XXXX/XXXX/XX/XX/2015. I requested more information and and received additional details and some paperwork to complete from XXXXXXXXXXXX. After I performed some research on the company and not finding anything negative, I completed their paperwork on XXXX/XXXX/XX/XX/2015 and awaited further instructions. On XXXX/XXXX/XX/XX/2015, I received an email advising that I had been chosen as a XXXX XXXX. I next started to receive calls from XXXX XXXX XXXX XXXX XXXX XXXX who started the training process of me initially processing checks for their customers as well as funding loans. I was also contacted from XXXX XXXX XXXX XXXX. They wired funds to my account on XXXX/XXXX/XX/XX/2015 and XXXX XXXX to Money Gram this to XXXX of their customers. This was done today XXXX/XXXX/XX/XX/2015 and the Money Gram reference # XXXX. Shortly after the funds were sent, they reversed the initial funds from to my account. The amount of my loss is {$990.00}. Please let me know if you need additional details or if you have questions. This company is still in operation doing business as usual. I would like to see them taken down as they stole my hard earned money and are still using the same website, phone numbers and email addresses. I would like to help out as best I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA

Complaint narrative:
Went to pay for a car using MoneyGram. I was to send {$1400.00} to an XXXX XXXX XXXX and according to the XXXX XXXX XXXX XXXX ID # XXXX email I was to call when I finished filling out the MoneyGram transfer form for further instruction. Once the payment was complete, I was to call them back again. Needless to say they received my funds on Friday, XXXX XXXX, 2016 XXXX CST ( XXXX XXXX, OK ) and the car that was suppose to be delivered on XXXX XXXX, 2016 did not arrive. I emailed the XXXX parties this morning and actually received emails explaining I have to send another {$1000.00} for insurance purposes. I explained I no longer want the car and said I would appreciate a refund via a MoneyGram transfer since it has not been 72 hours. I am still pending an answer. Further, I started looking up addresses, emails and the phone number realizing the emails have been used for a couple of years on this XXXX car scam. I already called MoneyGram this morning and they said I should have called within 30 minutes of making the transfer. I said the car was n't going to be delivered until yesterday. So how was I suppose to know to cancel? I gave MoneyGram the reference number and they said the money was received. Sorry that is all we can do. The MoneyGram was sent through WalMart and there is nothing anyone can do to refund the money. This is a true scam and thousands of people have had their money stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Collaborative Resolution Group
State: WI

Complaint narrative:
On XXXX/XXXX/XXXX XXXX from CRG phone number XXXX contacted me. She claimed I had taken out an online loan with XXXX on XXXX XXXX, XXXX. I did not. She claimed a reference listed was a person I had not met until the summer of XXXX. 

This woman knew the last XXXX digits of my social security number, my date of birth etc. I have never taken out an online payday loan. I believe it was a scam. My concern is she called to verify my personal information and will use it for fraudulant purposes.

Company response to consumer: Closed
Consumer complaint received 2016-06-04 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
My mortgage company, OCWEN Loan servicing, tried to foreclose after approving me for a modification of my loan. They contacted the bankruptcy court stating they had not received any payments on my behalf when in fact I sent my trial payment for XX/XX/XXXX on XXXX/XXXX/XXXX. I provided their attorney with print outs from their Webb site with payment verification and therefore their attorney had to withdraw his motion. This resulting in my bankruptcy judge approving my modification later on XXXX/XXXX/XXXX. My mortgage company went back and back-dated my payment history in my record showing a motion to relief stay filed on XXXX/XXXX/XXXX. By this date the mortgage company received payment amount $ XXXX.for XX/XX/XXXX from me., {$240.00} from trustee in XX/XX/XXXX, {$240.00} from trustee in XX/XX/XXXX, {$240.00} in XX/XX/XXXX from trustee, and XXXX {$340.00} from me. I spoke with several relationship mgrs for my account whom assured me all payment would be applied to current mortgage. Now their saying I 'm 3 months behind and sent me a reinstate quote, via email. can someone please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
This is regarding our XXXX mortgage ( home equity? ) ; primary mortgage is in good standing. Spouse retired because of XXXX. Contacted lender before default occurred to seek remedies. They refused to assist. Default occurred. Additional financial assistance obtained through SSA. Lender refuses to accept any payment until entire default amount is paid in full. Foreclosure imminent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen has done XXXX things I would like reviewed. However, I did agree to XXXX of them. The following are my complaints:1 ) Credit Reporting - Ocwen promised, verbally, that negative reporting information would be removed from my credit reports. They cleared up a portion, but they are still reporting several months as 180 days delinquent. 
2 ) Foreclosure Fees - Ocwen promised, verbally, that they were waiving the foreclosure fees. They have not and it is more than {$3400.00}. 
3 ) Interest Rate - Ocwen offered and I accepted 4.25 %. This rate is still too high and I have requested multiple times that Ocwen reduce the rate to 2.0 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
began a home building process in XXXX XXXX, deposited {$18000.00} with XXXX, home was built, closing occurred XXXX XXXX and {$18000.00} deposit was added back to amount. 
False appraisal of home was $ XXXX for a $ XXXX note. Closed then and moved in, one year later GMAC became servicer and jacked up {$1800.00} monthly payments to {$2700.00} based on false appraisal.XX/XX/XXXX, AHM went bankrupt, XXXX rejected {$80.00} XXXX in XXXX XXXX trusts, XXXX XXXX XXXX XXXX [ XXXX XXXX of XXXX ] bought those XXXX garbage trusts made by XXXX and serviced by GMAC for a mere 1 % .This is called RE-VENUE not a real purchase, he got only rights not full equity claim. I Filed TILA claim in XXXX XXXX against XXXX and GMAC, one month later XXXX XXXX as " trustee '' of voided bankrupt trust, filed a foreclosure suit without standing as trust was voided.Still in my home and I have filed several complaints to you, and agency created from my complaints. See case # XXXX filed XXXX XXXX in Fl. XXXX. can be seen on pacer.gov So now, XXXX XXXX was behind trying to foreclose on me all along, and OCWEN is and has been committing fraud, by not revealing the true party in interest.OCWEN claims to be " servicing '' a bogus trust for XXXX XXXX, all who are hiding behind XXXX XXXX. See attachments. The BK court in my case, duscharged all debts leaving only a " creditor with a valid lien '' and there is no creditor only fraud based debt collectors trying to get their 1 % investment plus another illegal 99 %, this is how the corrupt 1 % rich get rich, but XXXX for 1 % and collect 99 % from the 99 %, who dont know what is going on.Then there is me, smarter then all others. I want you to file an amicus breif on my behalf and know that they tried to make XXXX trusts from XXXX home documents.FRAUD. the case is in XXXX county florida XXXX circuit [ XXXX ] case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I have a residential mortgage with OCWEN, and apparently the are skipping months of reporting my over 5 years of on time payments. This is the same mortgage company that were reporting my information religiously monthly when my payments were late over 6 years ago. I have contacted OCWEN prior about reporting my on time payment to the credit bureau. I believe this practice is unfair to consumers.

Company public response: Company believes complaint is the result of an isolated error
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:
I applied for loan modification in 2010 which granted per attached approval notice from lender. Later, the lender applied rates not according to the approved loan modification notice. 
I request correction and full compensation from lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Duncan Solutions, lnc.
State: CO

Complaint narrative:
When asked for verification of debt, I was presented with a printout that did not include the name of the creditor or their contact info. The letter did not state that they are an authorized agent. The printout had codes and information that I could not readily understand. 

The best I can see at this point is that I was issued a parking ticket XXXX with a penalty of {$20.00} - XXXX years old. I threw away accounting records in accordance with the IRS suggested 7 years, so I can not verify using my own records. It must have been paid because the printout has the account go from & lt ; XXXX & gt ; to & lt ; XXXX & gt ; XXXX. On XXXX, it is changed & lt ; XXXX & gt ; to & lt ; XXXX & gt ;, but changed again XXXX to & lt ; XXXX & gt ;. In another area, it says the late fee is {$5.00}. And yet another has the late fees waived " based on effective payment. " The debt has not been shown to be valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tri-State Adjustments, Inc.
State: MI

Complaint narrative:
Oxygen company failed to submit claim to insurance company in a timely manner. I asked for the company to pick up equipment they said they needed an order from the doctor. The doctor provided it and they ignored it. I finally took it to the company myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Meyer & Njus, P.A.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX encourages questionable practices from debt collectors because they get XXXX for each claim whether it is true or not. they have questionable practices and my attorney XXXX XXXX stated that since this was already registered on my credit report as a judgement they can not take the case. XXXX XXXX XXXX employed Njus Myeres who constaly called at odd hours and threatned to put a lien on my house when I paid XXXX. IT is documented that I paid and noone wants to provide my statements! XXXX XXXX XXXX XXXX or this Njus Myers. The judge did not get proof of my statements and the ignored my letter that was sent before the summoned date since the debt was under XXXX. What kind of practice is this!? And when you are in front of a judge you can not even speak because they are in cahoots with the debt collectors.This debt has been paid. How do you have a corrupt judge just stamp a judgement without proof I want my statements dating my last payment of XXXX now from XXXX XXXX XXXX XXXX XXXX XXXX and Njus and Myers from XX/XX/2010 to XX/XX/2010

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: NC

Complaint narrative:
My lease was coming to an end at the XXXX. I submitted my 60 days notice 90 days ahead of time to then property manager. He honored the notice and filed it along with my lease information at that time. 30 days before my lease was up I get notice telling that my lease is up in 30days and I had n't submit any notice as to if I 'm renewing my lease or leaving. I then contact the rental office and told advised them that I had already turned in my noticed not to renew. I was then advised that the office staff is new including the manager but they would check everything and I could disregard the letter. They did contact me and informed me that they has my notice the next day. Upon move out day I was told I didnt have any balance and my account was clear and closed. But then 1 month following that I get a phone call telling me that I will need to pay for a prorated month and a whole month for the unit not being under another lease agreement upon me leaving. So there trying to make me pay the monies loss while they waited for another tents to rent the unit. When I refused to pay and cited that I submitted timely and proper documentation to be let out of my lease. That excused me for having to pay any loss monies for the unit being empty. They then stated that I would be sent to collections because of it. And now I have a account in collections with fraudulent charges all because this complex wanted me to pay for a unrented unit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Good Afternoon, Loan # XXXX My name is XXXX XXXX XXXX and my mortgage company is Ocwen Loan Servicing , LLC . I am in the process of short sale on my property, XXXX XXXX XXXX, XXXX, MD XXXX. My mortgage company scheduled a foreclosure date on XXXX XXXX, 2016, after my documents were forwarded. All literature that was forwarded indicates that there is a thirty day time frame allotted for the short sale process. 
They have a short sale scheduled for XXXX XXXX, 2016 but the documentation deadline was XXXX XXXX, 2016. I faxed my documentation prior to XXXX XXXX, 2016, therefore, the turn around time should be XXXX XXXX, 2016. 
My real estate broker is XXXX XXXX of XXXX XXXX and his contact number is XXXX and my title attorney is XXXX XXXX of XXXX XXXX and her contact number is XXXX. My broker and title agent have been trying move forward on the short sale, however, Ocwen seems more interested in foreclosing on the property. The property is on XXXX and there is an offer on the property but Ocwen is not counter offering, there is no BPO being done, nothing. 
My contact number is XXXX and I appreciate any assistance that you can offer regarding my situation. I know time is of the essence and I have been utilizing all my resources. My hope, counselor ( XXXX XXXX ) suggested that I reach out to you regarding this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Husband lost job on XXXX XXXX, XXXX. Last payment made was XXXX XXXX. Unemployment ran out in XXXX. We moved to XXXX to find jobs near daughter. Home was on the market since XXXX XXXX and we were working with OCWEN for Short Sale. Husband obtained job in XXXX, XXXX, but payments were severely in arrears. We have had two offers on the property ; first buyer backed out, second is still waiting. We have submitted everything OCWEN asked for and they have confirmed the receipt of these documents. We are still waiting for an answer to our buyer 's offer. We were served with foreclosure paperwork XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I have filed numerous complaints since XXXX of 2014 concerning OCWEN loan service and still they have not taken this issue serious. I believe they are in collusion with my condo association and XXXX XXXX and/or the law offices of XXXX XXXX XXXX XXXX. Ocwen paid XXXX XXXX {$21000.00} from an invoice from XXXX XXXX XXXX which they, should not have. I had no notice of this until, Ocwen sent me my monthly mortgage invoice showing I now had a escrow of approx. {$21000.00} and in effect doubling my mortgage payment. When I called Ocwen I, was connected to their office in XXXX. They told me that they paid XXXX XXXX County for back real estate taxes and asked then why? They had no idea why. I called our county government to find out if they had in fact received any money from Ocwen for back real estate taxes and why. They lady I spoke with had no idea what I was talking about because I was never late on paying my real estate taxes and not owing anything. I then called Ocwen again and told them of my encounter with our county government and claimed they did not know who was paid this money. After weeks of speaking to people from XXXX and trying to understand them I finally spoke with someone who could speak understandable English and he explained that Ocwen had paid my condo association that money because of an invoice my condo association had sent to them stating that I owed them money for fines and fees associated with me alter my condo. This was in litigation at the time and no settlement had been approved yet. Ocwen knows this and still will not acknowledge that fact. 
Ocwen has ruined my credit, threatens foreclosure and claims they did nothing wrong. This is not so. Ocwen has a record of foreclosing on people and has been sued by the federal government for over XXXX XXXX dollars and continues to be sued by individuals and class action because of their unethical ways of conduction business. I, myself am in the process of litigation against them the condo association and possibly others. I am seeking closure in this issue and for Ocwen to repay me for my pain and suffering. And, to clear my credit rating which has suffered because of Ocwen and others. I am also contacting my U.S. Senators of the State of Missouri to look further into this matter and see what action they can take against Ocwen. 
Because of Ocwen, XXXX XXXX, my condo association I, am unable to even list my property for sale. Ocwen is overcharging me with approx. 7 % interest. Because of Ocwen 's reputation they have suffered in the stock market. They seen an all time high of about {$65.00} to approx {$6.00} per share. 
Again, this needs to be resolved. I am afraid as long as Ocwen continues to perform as they do that, they will go bankrupt and not able to compensate me or anyone else and I will be left in the cold.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
i refinanced my mortgage and the company is now refusing to cancel my PMI on the agreed upon date, which was in my federal truth in lending statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I was in bancruptcy when my mortgage was sold back to Ocwen. They raised my payment which made me file for a modification. I was approved which also allowed me to end my Chapter XXXX. My modification was effective in XXXX 2015, my Chapter XXXX was dismissed in XXXX of 2015, and it has taken until XXXX of 2015 for them to straighten out the billing on their end. I have not been late but was still be reported as late. I was told that it would be corrected, however today I received notice from them that they were going to just " not report '' ( but already showing late ) for the time period of XXXX to XXXX and just report going forward. So was reported incorrectly while they did their clean up and now they are not going to fix it.

Company response to consumer: Closed with explanation