vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am having an issue with Ocwen. We requested a short sale and sent a complete package and Ocwen acknowledged receipt of the package on XX/XX/XXXX. With a sale date of XX/XX/XXXX, the package was received prior to the 37 day deadline. Ocwen keeps asking for a rental certification ( the house is NOT rented ) We have repeatedly told them the house is not rented. Then they asked for a Social Security Awards letter. The homeowner has been getting social security for 25 years and does not get a " awards letter '', just a XXXX. We have sent this to Ocwen three times. They are just trying to delay so they can take the house to sale. They have unclean hands. 
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Ocwen verbally advised that they would review the buyer 's cash offer for closing before the foreclosure sale and also stated that they could request a postponement on the foreclosure, however have not done to to date. 
Also, the note was rescinded on XX/XX/XXXX and Ocwen is not honoring this recission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen has been very hard to deal with. There is no communication between their different call centers. My home is at stake and I still have no clue who is managing my case. 

As per final order. 
1. Ocwen has not provided a SPOC2. Ocwen has not facilitated loan modification NPV values. 
3. Ocwen removed access to online e-submission portal4. Ocwen did not provide an independent reviewer. appeal is directed to ocwen. 
5. Ocwen did not provide NPV values on denial letter. 
6. Ocwen has very limited communication between its parties including law firm, law firm was called for contempt for missing and ignoring my communications as per judges orders. 
All I want is my modification approved and be able to keep my house for my family at a reasonable payment schedule. My hopes are on the ground in dealing with Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Complaint number XXXX was filed with your office regarding a new loan that Ocwen disbursed on my account that was requested by me, I never signed the loan documents and apparently did not get the credit for the loan disbursement dated XXXX/XXXX/XXXX in the amount of XXXX. When Ocwen responded to complaint number XXXX they did not address the loan disbursement or the new loan number XXXX. We have asked Ocwen 's foreclosure attorney to validate the debt that it is attempting to collect on Ocwen 's behalf and they have failed to do so to date. The only response that was received was a copy of the XXXX Mortgage Promissory note a copy of the deed of trust and the order permitting the XXXX XXXX, XXXX foreclosure. We asked for amounts claiming owed to the foreclosure attorney and we did not receive a response. The foreclosure attorney, through a XXXX XXXX XXXX notified me that the sale scheduled for XXXX XXXX, XXXX will be held. To date XXXX and XXXX 's website shows that the sale will be be held tomorrow XXXX. We have no information regarding the validity of the loan disbursement and requests for payments related to loan number XXXX. A representative in Ocwen 's office informed us today that the Ocwen as the servicer is the same as the creditor and that the loan disbursement was paid by the previous servicer when the loan was transferred.

Company response to consumer: Closed
Consumer complaint received 2015-12-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XX/XX/XXXX we were having trouble making our mortgage payment of {$1500.00} to Ocwen Servicing LLC. The interest rate on our mortgage loan is set at 10 %, so Ocwen suggested we do a loan modification to bring down our interest rate to something more affordable. 
We were asked to send in our XX/XX/XXXX XXXX XX/XX/XXXX income tax returns along with bank statements, pay stubs, and a financial obligation questionnaire. All paperwork was faxed in XX/XX/XXXX. They called in XXXX and said they were missing the XX/XX/XXXX tax return so I emailed it and was told that the loan was under review and they would call in XX/XX/XXXX. In XX/XX/XXXX I was told it was still under review, in XX/XX/XXXX same story ... my loan is still under review. I asked in XX/XX/XXXX if I could make a payment and was told NO that they could not take any money until the paperwork for the modification had been decided upon and completed and was told they would call again in XXXX. In XX/XX/XXXX I am told a decision still has not been reached and they would call in XX/XX/XXXX XX/XX/XXXX I am told they have no decision and will call again on XX/XX/XXXX. On XX/XX/XXXX I am told they are missing the XX/XX/XXXX taxes and will need me to resubmit this and will call me again on XX/XX/XXXX. Again I asked if I could make a payment and was told NO, not until a decision has been reached. In the meantime I am now 6mns behind and am not allowed per Ocwen to make any payments while the interest on my loan and the amount I owe towards payoff continues to rise and my credit score continues to drop as they report to the bureaus that I am late on my payments. I am worried they are pushing me into foreclosure by not moving on a decision and I am not understanding why.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 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: Asset Recovery Solutions, LLC
State: MN

Complaint narrative:
I would like a verification and itemization of the debt that I owe to Asset Recovery Solutions for an apartment lease with XXXX XXXX. I dispute a portion of this debt and would like a detailed break-down of what I am being charged.

Company response to consumer: Closed
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
Contacted Ideal Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX to settle a debt. Company withheld offering a settlement to the original creditor ( i.e., did not even present the offer ). Even once I/consumer disclosed that the original creditor would accept a settlement of at least XXXX if presented ( per their agreement they should at the very least present an offer ) XXXX XXXX and another female debt collector of the company said they would not uphold their agreement with the account holder because I should have paid the bill, and not wait until the bill was stopping me from getting something. Filing this complaint due to harassment and request that my debt is settled with another collection agency or the original creditor or they uphold the agreement made between the original creditor and debt collection agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Please see my attached legal action letter sent to IndyMac Bank back on XXXX XXXX, XXXX. At that time, they had wrongfully entered my investment property, changed the locks, winterized the property, boarded windows, and then sent me a bill for all of the work. The property was vacant ( tenant evictions months prior, then then copper piping damage resulted in this vacancy for a few months ). They deemed the property was " abandoned '', which is entirely false! This letter was never addressed, and instead my loan was sold to Ocwen immediately. I am writing now, because come XXXX/XXXX/XXXX, my loan will be converting from a Interest only into a full amortizing 20 year fixed mortgage. At the time in XXXX, I took a XXXX ARM XXXX, with the plan of selling the property within those 5 years. As you can imagine, the market crashed and I am not longer able to sell. I still have not gotten back the equity that was lost. Especially the equity needed to refinance the home as a XXXX family investment. I do not qualify for XXXX, a rate and term refinance or a consolidation refinance. Additionally, I have a 2nd mortgage with XXXX, formerly XXXX XXXX XXXX, which is a 30 year due in XXXX. I have an additional 5 years on this mortgage at 9.75 % until it Balloons on me. With no options to get out of either of these mortgages, due to lack of product or assistance, I feel stuck. I am a mortgage broker myself, and have been for the past 14 years, I can not find an option to get out of these mortgage. I can not refinance and I can not sell. Additionally, because my mortgage license is tied to fiscal responsibility, there are no options for me to short sell, deed in lieu or allow foreclosure. This would all impact my mortgage origination license and ultimately harm me and my family even more. I need help. I need assistance. I am a responsible person with good income, good credit, XXXX children and a career. I have no options, and come XXXX of this year, XXXX, I am going to be put in a situation that I simply can not afford. There are no options out there for people like me who pay their mortgage on time each month, but do n't have the required equity to better their situations. Neither Ocwen or XXXX can refinance me. I have tried to Modify, but make too much money. I have been contacted by companies telling me they can get me a modification, but only If I do not pay the mortgage for 2 months. Im not willing to do this either, as that is not the right thing to do. Please let me know what options I have so I can continue to hold onto this property until I have an opportunity to sell it. 

I have attached a timeline of communications in which IndyMac bank simply refused to take responsibilty

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 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: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I rented an apartment at XXXX XXXX in XXXX, Florida for over two years. I always paid my rent on time. I gave over sixty ( 60 ) days notice that I was moving out. This was over a year ago. XXXX XXXX is trying to claim I owe them money. I do not owe them any money. They never refunded my deposit. I did not damage the apartment in anyway. XXXX and XXXX XXXX will not remove the item from my credit report. I spoke with the office manager at XXXX XXXX, and XXXX XXXX at XXXX XXXX XXXX. They told me good luck on ever renting another apartment if I did n't pay them money. They are trying to blackmail me and extort money from me that I do not owe them. They even agreed with me that I was never late on any rent payments, and that I gave them sufficient notice when I moved out. However, they will not remove the item from my credit report unless I pay them money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: OK

Complaint narrative:
I have been in my home close to XXXX yrs. I have refinanced at least XXXX times, we have also added room on to the house. We have never missed or been late on a single payment in all these years.My Mortgage co. is M & T Bank. They require me to pay MIP/PMI payment of XXXX included in my monthly payment. I 've been paying this for years and I feel that when you look at my payment history this is wasteful and unfair. Is there help for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: OK

Complaint narrative:
I negotiated down a debt with the original creditor that I owed from XXXX separate dates of service, The creditor agreed to accept a total of {$620.00} to clear entire account/ both dates of service. The creditor sent the payment to IMC Credit Services along with the statement " account paid in full '' ; however IMC Credit Services only applied the payment to XXXX account. I have sent them proof along with forwarded emails from creditor and they still have not removed this from my credit report after 27 days after proof sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Suburban Credit Corporation
State: MD

Complaint narrative:
This debt was paid through XXXX XXXX XXXX in full in 2013. Some how with the large load the medical centers have with all their patients my accounts was turned over to Suburban Collection Agency. I contacted the hospital concerning this debt and they stated this account was paid in full and they will contacted the collection agency to have this item removed from my XXXX credit report.

Company response to consumer: Closed
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
On XX/XX/2016 XXXX CST, I recieved a call from XXXX, claiming to have a " collection matter '' that was placed with Statewide Credit Corp , in XXXX IN. The femaile caller refused to indicate " who '' the creditor was, and demanded me to verify who I was. I still demanded to name of the " creditor '' and was refused. The female caller became very abusive, and I terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: ME

Complaint narrative:
Moneygram refused to release emergency funds for medications that I had transferred to my daughter until after I had ruined a dinner engagement, been disconnected after almost 15 minutes on hold on the first phone call, been placed on hold for over 20 minutes after being transferred to another department during the second call., and treated like I did n't know my own daughter. My daughter also wound up waiting about 2 hours in the store parking lot for us to clear up the issue. Their treatment was offensive and bordered on harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
i had a very bad experience with Money Gram co. 
three days ago i send money from USA to XXXX they ask me for first and last name as required i did provide all the information same as my receiver ID the min i finished they took the money from my account. i checked their web site they said money is ready for pick up my receiver went to their location the next day they told her money is not ready for pick up yet!!!! after three days when she went back they told her we cant give you the money because there is no middle name in her order ( which is OPTIONAL!!!! in their web site you can check it ) AND SENT HER BACK so i, however she has their confirmation e-mail ID matches the first and last name i sent her my confirmation e-mail too.!!!!!!!! so instead of send her back they should notify me when i set up the transaction because the information they requested matches the receiver ID and confirmation ID. 
when i called the customer service here they told we cant do anything for you go online CANCEL YOUR ORDER WAIT UP TO 10 DAYS FOR REFUND AND U CAN SEND BACK THE MONEY WILL BE READY FOR PICK UP IN 3 DAYS. 16 TO SEND MONEY WHICH DECADE IS THIS ITS 2016!!!!!!!!!!!!!!!!!!! 
so either they do n't have the money available at that time or they want to keep it longer. i cant see another reason because i dealt with different co. and this is never happen to me before. 
hopefully you can help me now my money stuck with them i cant get it back before 10 days so i can send it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Atlantic Credit & Finance, Inc.
State: OK

Complaint narrative:
Atlantic Credit and Finance calls my personal phone multiple times per day. They started calling my husband, now calling my job. I have asked them to no longer contact my job and family. They also leave messages on the voicemail claiming they are a debt collector trying to collect a debt from me. I have spoken to them and they have started telling me if I do n't pay, the will take legal action and that my case is being turned over to a lawyer. I have asked for proof via mail and to only contact me via email or mail. They still call my family, my job, and myself. I have explained to them the reason I quit paying the original debt is because I have become very ill and have medical bills from XXXX and such XXXX. They still say I need to pay or I will be turned over to a lawyer.

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 2015-11-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I told the bank to stop payment for a mortgage i was going to pay at a later date because I knew i had insufficient funds. They told me that i have nothing to worry about and that they 'll take care of stopping the transaction.I told them again as a reminder 2 days before the trancsaction. I gave them 5 days notice total of the transaction, I later found out they had let the transaction through not once but XXXX, since i didnt have enough funds i was charged XXXX insuffiecnt funds fees for XXXX dollars each. And now they are telling me its my fault for not having the funds even though I gave them a notice to not allow payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
This is to inform you that on XXXX/XXXX/XX/XX/2015 I send {$1000.00} to XXXX for a relative, when she tried to withdraw the money, they told her the money was not under her name but under a male named XXXX XXXX. I do not know this person whatsoever. After many tries they told her the reference number was correct but the name was different, immediately I called Money Gram Payment Systems to stop the transfer. The operator simply just transferred me to another department, and then to another, and by the XXXX operator they tell me that the money had been withdraw-ed minutes ago. I let them know that they are wrong because my relative is n't being able to collect the money. And they start a case and say that they will need two weeks to investigate. After two weeks I called Money Gram Payment Systems and no one knew anything regarding the case, they had no information to give me. When I demanded answers the operator simply ignored my questions and at XXXX point hung up the phone on me. On XXXX/XXXX/XX/XX/2015 I went back to the Money Gram Office I had used to sent the money from, and the employee contacted the Money Gram Main Office, and after being transferred to many departments as usual, they had no answers and now they need 90 days to investigate. In my opinion they are playing games, or ignoring me, because they can simply open files on their system and find out which employee, and which office authorized to change the name, just by a XXXX of clicks on the computer. I simply sent money to a relative and some stranger collects it? That seems fishy to me. I 'm not understanding how that happened. After a conversation with my relative she says that the bank manager in XXXX told her that they can not change anything on the orders, not even a name once the sender sends the money. If that 's the case then how did a random stranger with a different name than the recipient 's name collect my money? As far as I see it Money Gram Services is at fault for not taking care of the money and giving it to the correct person. I really think they violated my trust, broke a contract and simply stole my money. I want and need my money back as soon as possible and an explanation what happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
Multiple time we have faxed the Authorization to Release Loan Information, Listing Agreement and the Offer multiple times to no avail to M & T Bank, at the time, date and fax numbers below. I have proof that the faxes we successfully transmitted. One successful email was sent as well. 
Here 's the date, time and fax number or email : XX/XX/XXXX at XXXX mst at XXXX XXXX at XXXX mst at XXXX ( successful transmission return email ) One must wait 3 days to call back to verify to they received it, which is wasted time because they said they did not receive it. 
Called back in to find out they have no record of such and re-faxed at the below fax number. 
XX/XX/XXXX at XXXX mst at XXXX XXXX at XXXX mst at XXXX ( Delivered/Confirmed via XXXX ) You have to wait 3 days to call back to find out if the fax/email were uploaded into their system. 
XX/XX/XXXX at XXXX mst at XXXXXXXXXXXX ( Delivered/Confirmed via XXXX ) XX/XX/XXXX at XXXX mst at XXXX ( Delivered/Confirmed via XXXX ) My assistant also faxed multiple times, but she is out of town and could not supply that information to me at this time. 
Here 's the challenge - because we needed to get the Authorization, Listing and Offer in within 37 days of the foreclosure sales date to M & T Bank, which we could have done had they acknowledged receiving the faxes and email. The XX/XX/XXXX foreclosure sale would have been postponed giving us time to get whatever else that may have been required. We are now a week away from the sale on XX/XX/XXXX.

Company response to consumer: Closed with explanation