vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Key 2 Recovery, Inc.
State: OH

Complaint narrative:
XXXX/XXXX/XX/XX/2015 I was contacted by a collection agency stating that I owe {$2900.00} to an online university. I stated that the claim was erroneous as I had applied for and to my knowledge received financial aid. I asked what the debt was for. They stated it was because I did not withdraw from my classes per the contract. They stated they had exhausted all efforts to contact me. I stated that this was the XXXX I had heard of this alleged debt. Collection agent stated that they had been contacting me at ( telephone number that did not belong to me ). Agent read off the telephone number. I stated that was not my telephone number. Agent stated that that was the information provided to her. On XXXX/XXXX/XX/XX/<YYYY> after having made contact with me and after I had advised the telephone number they had been calling was not mine, a collection agent from this agency again called the telephone number not belonging to me, it belongs to my mother, and left a phone message discussing the alleged debt on my mother 's answering machine. This same day this same agent left the same message on my answering machine and implied a threat that if I did not call them back by XXXX on XXXX/XXXX/XX/XX/2015 that my file would be moved to final determination and that " seriously, this is something you do n't want to happen ''. Previously, when I asked the collection agent to validate the debt, they threatened that if I request the validation of debt that I would not be able to work out any type of settlement, that all chances of working out a settlement at a reduced amount would be off the table. As I was trying to reason with this collection agent, she continued to yell and talk over me and stated " I 'm not playing your games, I 'm going to submit paperwork to garnish your wages ''. On XXXX/XXXXXX/XX/<YYYY> I contacted the original creditor, spoke to XXXX. of the university and advised that the collection agency was very abusive and illegally trying to collect on a debt. I stated that I wanted to work directly with the university to resolve this matter. XXXX. stated he would speak to Mgmt to pull my file from the collection agency. I contacted the collection agency to advise them of this. The agent with an exasperated tone asked why and " Are you going to resolve this? '' I stated I am resolving this as quickly as possible. XXXX. of the university emailed me XXXX/XXXX/XX/XX/2015 stating that he was speaking with the collection agency and would be back in contact with me after hearing from the collection agency. Received a call XXXX/XXXX/XX/XX/2015 from the collection agency again. I did not answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
My home was foreclosed on XX/XX/XXXX by M & T Bank. I had a " Get Started Loan '' with them I found information that they have a law suit against them with this same kind of loan and during the time my home was in foreclosure the lawyers that was handling case also had a law suit against them and I was not notified of this information, only that they changed there name, XXXX XXXX XXXX now The XXXX XXXX XXXX. I am asking for my loan to be looked into from XX/XX/XXXX to XX/XX/XXXX. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC

Complaint narrative:
On XX/XX/2015 at XXXX i sent a money gram of XXXX to XXXX XXXX . When the person that was suppose to recieve the money went to pick it up, she was told she could not do so because her name is on some federal govermnent list that prevents money gram from doing business with her. She was advised that she would need to return with more information to to identify herself. She then notified me that she had been denied receipt of the money that i had sent to assist with a family menber funeral. I then called and was given the run around stating that she need to return with more identifiation in order to collect this money, and was given a number for the agent there in XXXX to call in order for a money gram agent here in america to call her back. All of that was done and still the money was not released to her saying that money gram still needed more info but not able to tell her what more they needed. I then called Money Gram for the second time and at that time requested that my money be refunded to me since i was the one that sent the money to her. The money gram agent told me she could not give me back my own money cause this lady name is suppose to be on some Federal Government List. As a result i have not been refunded my money and they are still refusing to release the funds to whome i sent it to. Iam not a rich woman therefore i can not afford for Money Gram to not refund me my mone back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Wise Finance, LLC
State: IL

Complaint narrative:
I was issued an writ garnishment that indicated the wrong principal amount. Per the documents I have received from Wise dated XXXX/XXXX/2015 stated I owe XXXX, from a sale of the collateral that i voluntarily surrender. According to the paperwork I had an initial balance of XXXX they sold the vehicle for a XXXX, I was charged XXXX for storage in which the vehicle sat in a public strip mall up until the sale date. I do n't feel that is a legitimate charge. I then received a wage deduction notice stating the principle balance is XXXX. This appears to be fraud to get more money than owed. not to mention

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX was paid through a private trust account ; therefore the debt was satisified. Berks Credit & Collections, XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX has bought the debt for pennies on the dollar. I sent a debt validation letter to them in which they did not respond in XXXX of 2015. They are still sending letters. I did not sign a contract with them and they continue to harass me, attempting to extort monies and committing mail fraud. I would like you to investigate this agency because they have no legal or lawful ground to stand on. 
XXXX XXXX XXXX XXXX XXXX XXXX My contact information is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I was talked into a commercial savings account and a personal checking account when I had large cash on deposit with M & T Bank. I was informed that I would make more interest earnings this way and that was the best suited for my needs. It turns out that the combination of accounts was best for the bank manager 's bottom line. The " fine print '' was truly fine print that I could not read with reading glasses, but learned over months that the bank did not care about me as a customer. When the cash dwindled, bank treatment of me as an individual also disappeared. Now I do not access to the " secured '' correspondence on their website to prove the agreement I had with a regional vice president that would have solved this entire complaint back in XXXX 2015. This high ranking bank officer would not answer my follow up correspondence, by being absent on the solution, the wrongful fees were turned over to an in-house collection employee in addition to listing me with a banking industry credit " bad list ''. I 've been banking with M & T for close to 50 years and NEVER got such bad treatment or this kind of threatening action that other financial institutions ( if not credit bureaus ) will deny me checking & savings accounts, when they see my name. I want M & T Bank to come back to the agreement reached by the Regional Vice President and me back in XXXX, remove the bank fees that are outlandish by nature of the types of accounts forced into, and the Bank being prohibited from listing me with that all credit bad lists. When evidence is shown that their employees misled me on the advice I sought for following the account rules, I should not have any charges fee against me on the multiple accounts. I would also request that some of bank employees be coached or reprimanded on their mis-information and their non-action on my requests to cancel ACH 's that seem to only benefit the receiving vendors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Ocwen Loan Servicing. Where do I begin? I have been harassed by Ocwen from the duration of when they began servicing my loan. Actually I would say they are a dis-service, not a service. Recently they have started harassing me about my payment. I have made my payment on the XXXX of the month for over 5 years. I have NEVER missed a payment, yet I continue to get harassed by Ocwen. Additionally I have never been 30 days late on my payment. This even as they could not determine what my actual payment was/is as they continue to mess my loan payment up. XX/XX/XXXX I received a letter from them every week with a new payment amount. They could not get my escrow amount correct or figure out if my rate was increasing and to what amount. Yes I am on an ARM. I spent long hours on the phone trying to find a resolution with Ocwen.This loan was my first mortgage loan I got back XX/XX/XXXX. The property secured by the loan is now an investment property. Unlike many others I have been fortunate and been able to maintain this property and not let it go into foreclosure during the credit crisis. I am in the mortgage business so I understand how everything works. I have been a mortgage professional dating back to XX/XX/XXXX and like many others endured several hard times. I am currently a VP at another Mortgage Company. I would tell anyone that listens that Ocwen Loan Servicing is one of the most unprofessional companies I have ever dealt with. Do whatever you can to ensure your loan is NOT serviced by them, but their service is more of a dis-service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I tried to see my free credit report and I could not see it because you asked me questions about my wifes credit reports and theres no way I can answer her questions because we have not been married long and it stuff from her first marriage and she wont give me the answers, Why are you asking me questions about her on my report and not asking me questions about me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I have a old mortgage loan showing up on some title work on a property I am trying to sell. The loan was originally GMAC mortgage company which is a defunct mortgage company now. The property securing this mortgage was lost in a foreclosure and sold, the debt was discharged in a Chapter XXXX bankruptcy. In the research I have done Ocwen Loan Servicing has taking over for GMAC Mortgage company but I have tried contacting them via email and regular mail and have not received any return communication from them. This lien needs to be released so the sale can go through. My only recourse as of now is to file a " quite title '' law suit which could take a couple of months and cost thousands of dollars in attorney fees. There has to be a way I can get a executed lien release on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 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: TX

Complaint narrative:
In XX/XX/XXXX, I contacted Financial Control Services about accounts on my credit report. A trade line in the amount of {$840.00}, an account which was paid in XX/XX/XXXX through a settlement from an automobile accident, reflected as a collection account. This account was settled in XX/XX/XXXX by the attorney that handled my case. The trade line continues to reflect on my credit report, The company still has not removed the trade line from my credit report.. The line should be deleted from my credit report as this should have never been reported as a collection account. This has damaged my creditworthiness since XX/XX/XXXX. 

Additionally, this company also reflects other accounts I have no knowledge of. Therefore, on XXXX XXXX, XXXX, I mailed a letter to them requesting verification and/or proof of debts showing on my credit reports as being owed by me. To date, they have refused to provide me with proof and the company has refused to delete the trade lines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: OH

Complaint narrative:
I instructed provider to submit to XXXX. Provider said that they would. Provider was instructed to resubmit by XXXX the correct way but provider never did. No communication with provider until I received collection letter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Northern Trust Company, The
State: FL

Complaint narrative:
This would be my response to Northern Trust based on further documentation provided by Northern Trust in response to Consumer Finance Protection Bureau case # XXXX filed by myself XXXX, which was closed, in relation to my ability to perform an accurate accounting of my father 's estate performed by Northern Trust XXXX XXXX XXXX with XXXX XXXX as the executor.

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 monetary relief
Consumer complaint received 2016-04-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: ID Analytics, Inc.
State: IL

Complaint narrative:
It is a credit reporting agency I never heared of ( Sage ) XXXX.XXXX Sage reporting to companies, but when calling them up to get a copy of the report, no one answers the phone, instead I got a recording message.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: DataMax Corporation
State: TX

Complaint narrative:
Bills is displaying on credit reports. I was not given opportunity to dispute, no validation of debt, or opportunity to identify debt as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Mortgage lender Ocwen. Forced Hazard Insurance on loan despite XXXX notices sent to them by me and declaration of Insurance sent to them by Insurance carrier. Ocwen has sent backdated notice that current mortgage because of forced insurance and other undecipherable fees will increase by over {$1200.00} in XX/XX/XXXX. I need help to resolve this recurring issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I paid off my mortgage the beginning of last XXXX. I can not get them to respond with my request for copies of the loan paid documents nor have the deed transferred to my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I am submitting a complaint against Ocwen for failing to fulfill their commitment to proceed with the short sale of my primary residence. 

I am requesting a short sale of my primary residence. I have XXXX mortgages. The XXXX position mortgage is with XXXX and the XXXX position mortgage is with Ocwen. My representatives for the Short Sale are XXXX XXXX and XXXX XXXX with XXXX XXXX. 

My representatives contacted Ocwen on my behalf to request a short sale. Ocwen initially denied my short sale request. However, after further negotiations, Ocwen verbally indicated they would honor a short sale should we obtain HAFA approval with CitiMortgage. We have since secured HAFA approval with CitiMortgage. However, Ocwen is now denying the short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
i have been fighting for over year to find the law enforcement agency that enforces these laws, and this is not the first time i have written you. 
this will be the last, letter i write searching for just, and you can do like the XXXX outside my home and find the rest of the story or make up the rest like they doa conversation with the F.B.I. 
still no answers or call backhttps : XXXX is a letter from a brief i sent to then Attorney General XXXX XXXX. 
all consumer issues, and back story of state XXXX actionsXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 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: HW Holding, Inc
State: NC

Complaint narrative:
A leasing agent that I am attempting to use states that there is an outstanding balance showing due through XXXX for an Apartment complex. I have attempted to contact XXXX but no one seems to know what I am speaking of. Apparently the debt is being reported to XXXX but everyone I have spoken to does not know what I am referring to. This is technically not my credit report but it is affecting my ability to rent and I have not way to view the report so I am unable to dispute the charge.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I was told by XXXX that my daughter could not get a loan because she had no credit established so they offered me a PLUS loan to get her started. At that time they did not tell me that I could decline the loan and that my daughter would have still been able to get a school loan without my help. I was a single mother and struggling financially so I deferred these loans as much as I could only paying here and there but still trying. My payments stayed pretty much the same for years. Then Navient took over. After struggling through a very expensive divorce I got behind in my payments to them so I deferred once more. So starting in XX/XX/XXXX I started paying on my loans and my payments were {$200.00} which I could do. Then I started getting notices that I was behind on payments. I went back and looked and from XX/XX/XXXX to XX/XX/XXXX I had made {$1200.00} in payments ( I started at the end of XX/XX/XXXX and was making {$200.00} payments every XXXX weeks ) but when I would look up my loans online it showed I was still behind by almost {$800.00}. I started looking at my statements and realized that they increased my payments In XX/XX/XXXX from {$200.00} to {$350.00} and then starting in XX/XX/XXXX my payments would go up to {$370.00}. I called Navient and told them I could not afford to pay {$370.00} and why did my payments increase and they could not give me an answer. They said my only solution was to file for forbearance and they would cancel out the money I owe for back payments. I told them I did not want to file for forbearance again because that would only increase the interest that I would owe. They told me that was my only way to catch up on my payments. It is so totally unfair that you try to help your children get a good education and try to help them out but end up paying for the rest of your life because the interest on school loans. Navient is so uncaring and they are liars and need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Ocean is currently servicing my loan ; I have had a loan with them since 2009. I had a substantial hardship, I fell behind on my mortgage payments. I visited the website and saw that they offered assistance or loan modifications. I have been completely unable to get in touch with Ocwen. I have called and sent countless certified letters which goes unanswered. When I call each representative tells me something different. I have sent the Request for Loan Modification which also went unanswered. I am currently working and my financial hardship is corrected. I believe I can afford my home and I do not want to lose it. I have heard of the mortgage settlement in the news however I have not heard anything regarding my loan. I am desperately trying to keep my home for me and my children and I do not want to foreclose. I want to resume making payments and coming up with a modification for the arrears. Please please help me

Company response to consumer: Closed