vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: TN

Complaint narrative:
We purchased our home in XX/XX/XXXX. We were not sent a copy of our owners title insurance policy. I called the title insurance company for a copy and was told that she would work with the current title company in every way but never said anything else about me getting a copy. Now she wants to only give an indemnification letter not a copy of the policy. We are trying to refinance and have learned that the liens on the house are still outstanding. Liens to be satisfied at the time of closing. None have been released. The title company that closed on our loan is out of business and she is now working for another company and acts like its not her problem when she has the canceled checks showing where the liens were taken care of, Without a policy number I ca n't even submit a claim and am being stonewalled on all sides, ( the builder got in trouble and vendor liens were placed on the house, We knew this going in and were told it would be no problem. XXXX of the vendors said he did not get paid. Even the attorney of record is not available for me. Said she would not have any papers pertaining to our loan. I also checked out the title company that did the closing and she had not had an active business license in the state of XXXX since XX/XX/XXXX. Yet she closed my loan in XX/XX/XXXX. She now works for another title company as senior underwriter and told me I ca n't be calling her. She says my files are in XXXX and she ca n't get to them and her computer has crashed. 
What recourse do I have available to me? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX can fax you anything you need, I ca n't email at this time. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Atlantic Credit & Finance, Inc.
State: MA

Complaint narrative:
On XXXX/XXXX/16 at approximately XXXX a debt collector representing Atlantic Credit and Finance calls a third party ( my brother ) and shares confidential information regarding credit card debt that I allegedly owe to the company. The debt collector asked for contact information regarding me and my place of employment as well as a personal cell phone number. After he received my personal information the debt collector calls me without identifying himself.

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 2015-10-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I currently am a patient of the establishment in question. I have not received any validation of debt pertaining to a medical bill nor any record of the account. I paid the account in full based on the fact they stated it would be removed due to inconsistency in contacting me to resolve the outstanding debt in a timely manner. I was not made aware of the debt in order to make payment properly to prevent credit reporting. Per the law the debt collection company is required to within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debtThe name of the original creditor to whom the debt is owedA statement describing your right to dispute the debtthis was not done therefore hindering me from resolving the matter. They did not call or send letters to me to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: OH

Complaint narrative:
We are in the process of losing our home we built. Because of the bank stating after 8 yrs our loan matured. Even though we have signed legal doc. stating we have a 30yr fixed loan with at date of XXXX. The bank wants the payment in full but no one can explain how or why this is happening. They are forcing us into Foreclosure and the latest they ask if we would deed the house back to the bank. We have the house on the market trying to short sale it, our realtor XXXX had it on the market for XXXX. We had an offer but the bank refused the amount and counter XXXX. The buyer did not take that offer. We have had an mortgage specialist tell us we can afford that price but M & T bank will not work with us. After several attempts at a loan modification they approved us, but the payments were over XXXX a month. First all of that is unrealistic and totally unacceptable. They stated refusing our payment and would send the checks back to us. I had to file bankruptcy to stop them selling the house. Then they realized they did n't serve the paper and follow proper rules. I DID NOT go through with the bankruptcy but its showing up on my credit report and It will be a long time before I can provide a home for my family. I have a daughter that just graduated from XXXX XXXX and my other child is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
On XX/XX/2015 I sent a moneygram of the amount of {$200.00} to an indivdual to XXXX XXXX XXXX XXXX.It was not received when the recipient informed me it was declined by Moneygram.After numerous calls to Moneygram to refund me the $ XXXX.they refused and told me they have to interrogate the recipient! I Also requested a refund on there web site after filling out the form i received a blank page and they. never notified my e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Traditional IRA account opened with predecessor bank, XXXX, for a 60 month CD that matured XX/XX/XXXX. Upon maturity of the CD I requested that the proceeds be transferred to a new IRA Custodian. M & T Bank applied a {$75.00} " XXXX '' and deducted this amount from the transfer ( took the money out of my IRA account ). I was never told of this fee, I was never asked if I wanted to pay the fee separately rather than have it deducted from savings, and the original IRA agreement with XXXX made no mention of this egregious fee.

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 2015-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: WA

Complaint narrative:
My mortgage was bought out by M & T Bank XXXX XXXX XXXX XXXX, NY XXXX. I pay my payment through bill pay and it is set up to be delivered to M & T Bank by a certain date. If it arrives XX/XX/XXXX or after they will charge me a late fee according to their statement. They have gotten my payment before XX/XX/XXXX and charged me a late fee on several occasions. I brought this to their attention and they have failed to refund the fees for all of the times they have charged me a late fee when it was n't late, according to their terms. It happens often that they charge the fee regardless. I usually pay my payment between XX/XX/XXXX and XX/XX/XXXX the first years they had the contract, but now since they have been charging me a late fee regardless, and I ca n't get them to stop, I just pay it reluctantly with the late fee as part of my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XX/XX/2016 I used Moneygram to send {$300.00} to receiver XXXX XXXX, who was to pick up the {$300.00}. When XXXX tried to pick up money, Moneygram refused to give to him. I dont know why. Something about his I.D . They wanted him to come back to Moneygram. But when I told XXXX this he refused to go back. So I called Moneygram, on XX/XX/2016 and said to cancel transaction and refund my {$300.00}. They refused. They said they need to see XXXX. I told them he refuses to come back. I have written letters to Moneygram refund dept. called many times, only to be told they are still investiggating it. 
It has been 5 months. They transfer me from dept. to dept. and I get same thing, they are still investiating it. I just want {$300.00}. refunded. They can investigate until Kingdom come, but my {$300.00}. is not helping anyone investigate XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
About a XXXX and a XXXX ago, My Lady had come up with some medical issues and we had some medical expenses that were unexpected, we fell behind on our mortgage payment and we tried to catch up for about XXXX months, So after all the XXXX and anguish, not being able to sleep, and My Lady crying thinking we were going lose the house. We were only XXXX month behind all this time. So we decided to ask for a payment plan to catch up. At this point they granted us XXXX, So after XXXX months we were finished with the plan to catchup, So when we went to make our regular payment after the payment plan they said that we were a month behind, and I had asked them how could that be we just got off a plan to catch up, and to this day they can not give Us a Liable Reason for being behind a month " Again ''. This has affected our credit score in a really bad way, in which they said that it would n't while they would be investigating the matter. We have tried to refi the property but the result of their lack of responsibility to resolve this problem has put our credit score to where nobody will even try to help us. this has been a on going problem with them going on XXXX months, I call them at least XXXX a month to see what or where they are with the issue and all they want is the full payment of XXXX months, and when I ask about the matter that is suppose to be investigating they transfer me from XXXX department to another with representative that do n't know what to tell me or have no knowledge of what I 'm talking about and transfer me again, All we want is to get our credit fixed from this and have a local mortgage company carry our loan from now on, we can not go on with this, it 's unbearable and XXXX, We are not the smartest people in the world ... But we do know when things are not right. Please Help Us!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I paid my mortgage off that I had with Nationstar. I still have not received my release of loan documents. All I now is that they hav my money but no evidence that it is paid off. I want papers that state that I no longer owe money on my home. I called and went through all the menus finally was connected to a real live person. I explained what I wanted gave him all the information including my social security number he told me he told me that he would have to research it for me. I was put on hold for XXXX minutes and then was disconnected. I should not have to go through all this consternation to get loan release certification. I am so glad that I no longer have a mortgage with Nationstar this is not the XXXX incident I 've had with them. They are not a reputable company. They seem to be a little shady and not really professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
The collection agency is attempting to collect for XXXX XXXX XXXX. They are " balance billing '' after XXXX XXXX XXXX agreed and accepted payment in full from my insurance company for services. they have also contated my plae of emplymen and disclosed my debt to my coworkers who came to me and informed me that they did not think that was legal or right.

Company response to consumer: Closed
Consumer complaint received 2015-10-02 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
To Whom It May Concern : These people, the IMC Credit Collection Agency refuse to work with me to clear up a debt. I can only afford XXXX per month because I am a senior citizen on a fixed income. They then threatened to take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
M & T Bank allowed XXXX to charge my debit card in the amounts of XXXX on XXXX/XXXX/2015 ( XXXX late fee ) & XXXX on XX/XX/XXXX ( XXXX autopurchase ) I contacted the bank and advised these were unauthorized charges and disputed the charges. I was given a provisional credit for the charges only to have it reversed and M & T sending me a letter stating the charges were not in error. They also send me a invoice for a purchase my daughter had made on XXXX/XXXX/2015 for XXXX with her amozon account information and email address. Not my account nor did I made a purchase from amozon anytime this year. The book was purchased using my daughter account with amozon and other means as this was not a purchase with my debit card nor did I authorize the withdraws and still am disputing these charges. M & T Bank 's representatives stated many times because XXXX has my account information from a prior purchase they can withdrawn the funds from my account? How can they take money from my checking account and the bank allows this without my authorization just because they have my information. M & T sent me a invoice to show me the reason for the charges was a purchase on XXXX/XXXX/2015 using XXXX XXXX account at amozon in the amount of {$26.00} dated XXXX/XXXX/2015 and shipping slip for XXXX/XXXX/2015 and they reversed the credit for a book that my daughter must have bought with her debit card ( no charge on my account for a book on XX/XX/XXXX or XX/XX/XXXX for the initial rental. I do n't think because the company had my information they should take it out of my account because we have the same address and they assume I have a book? This is not my purchase. The bank should reverse the debit to my account from amozon and not allowed this to happen. I want my money taken from my account returned as they took it without authorization to do so just because they had my account information? That does not make it ok

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ID Analytics, Inc.
State: KY

Complaint narrative:
I applied for a XXXX XXXX XXXX XXXX Credit card and was denied. I received a letter dtd XXXX/XXXX/2016 stating the reasons for my denial was based on deliberate and egregiously inaccurate information provided by XXXX XXXX/XXXX. First they claimed by credit score was XXXX which is a complete fabrication, as my Credit score is actually XXXX from both XXXX and XXXX. Inadditon they provided Misleading information on my length of stay at my current home address, along with the fact that I had insufficient number of credit references and had limited deposits on file with XXXX XXXX XXXX. All information they deliberated fabricated was completely false, misleading, not even remotely accurate. It has cost me a significant saving on the purchase I was making at the time along with expenses of sending certified letters to the XXXX, the Credit Card agency and XXXX. As a reporting agency they failed to validate the information before denial or sending it to the bank.

Company response to consumer: Closed
Consumer complaint received 2015-09-03 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NY

Complaint narrative:
I contacted them to work on a resolution, and at that time advised them the only number to reach me at was my personal number, which they had, and asked them to remove a XXXX party 's phone number, which they verified was removed. The following day they called that same number they said they would n't..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-22 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
My transfer has not been available as promised according to my receipt since the XXXX of this month. I filed a complaint with money gram today since the receiver could not again pickup the transfer and XXXX XXXX from money gram wrote stating it was placed on hold without my consent. Online reference number XXXX. So I filed another complaint Online reference number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC

Complaint narrative:
Dear Team, Please intervene for money gram to give me my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
In XXXX, XXXX I was forced to relocate from XXXX to XXXX for my work. I was a single mother at the time and was purchasing a beautiful new townhome for my daughter and I in XXXX. I used the funds from my divorce settlement to purchase the home in XXXX. Before I moved out of state, I secured good tenants whose rents more than paid the mortgage on this home in XXXX. The mortgage was with XXXX XXXX XXXX. 
After my relocation to XXXX, the economy deteriorated rapidly and I was left with no choice but to file a Ch. XXXX XXXX in XXXX. As part of this filing, I surrendered my home XXXX and asked my tenants to move out. 
XXXX XXXX XXXX SOLD the mortgage to Ocwen who then SAT on the house until XXXX! In the meantime, I was sent to collections over and over again for past due XXXX XXXX dues for a property that I could NOT RENT and the bank WOULD NOT sell! 
When the foreclosure was FINALLY completed in XXXX, I was so relieved to be finished with YEARS of harassment and damaged credit that I had been trying to repair. 
I checked the XXXX XXXX XXXX 's office earlier this year and the bank did sell my home to another person in XXXX, XXXX. 
So imagine my surprise when I received a letter dated XXXX XXXX, XXXX from a collections agency for the XXXX XXXX stating that they had obtained a BANK LIEN against me in the amount of {$2300.00}. I was never even served! They do know that I live XXXX and could not have travelled to XXXX to defend myself. 
I have now been forced to retain an attorney XXXX to look into this matter. If I could sue XXXX XXXX XXXX and Ocwen for what they have put me through, I would do so. However, I know I would never win. This situation HAS to be illegal. How can I be pursued YEARS after paying a 5 year Ch. XXXX in full and losing my home in the process?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
None of the loan servicers/mortgage owners have produced one stitch of documentation, original or otherwise, regarding my mortgage. Currently, I am being bombarded by Ocwen Loan Servicing. They send me notices about everything in the world, except some acceptable resolution. Now that the real estate market has improved, they simply want the property for purely their own benefit. I was caught in a downward spiral as a result of the financial crisis. I have recovered somewhat, but these people refuse to even enter into a dialogue. Any assistance you are able to extend, would be welcome. I am XXXX years old, and find it difficult to fight a large financial institution, by myself. My E-mail address is : XXXXXXXXXXXX. Thank you in advance!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I am having a very difficult time dealing with my mortgage company, Ocwen Loan Servicing, after securing a modification that has encountered hurdle after hurdle. It appears that they have lost or misplaced many of the payments made to them. And even though they say that they are 'attempting ' to assist, Ocwen is known for their roughshod, rush to judgement, tactics. I have a very difficult, almost impossible time, trying to contacting them and attempting to work out anything that helps with the situation. 
I am physically XXXX on a extremely limited budget without the income arising from my residence. I need the CFPB 's assistance to impose surveillance and operational sanctions on Ocwen 's Ombudsman, regulatory and decision making processes that may very will result in a foreclosure and related type actions on us. We have been working on this for almost a year and as soon as XXXX issue is solved, another one comes to take its place. It is not only frustrating but most of all counter productive to preventing adverse actions and losing the home. We are not in formal foreclosure as of this day ; but that could change tomorrow without warning or problem on their part. If legal means are important, than we would like to have assistance in this area. Speed is of the essence. 
If possible, I would like someone to call me and assist in outlying a plan for success. I have many documents that can be sent to assist in this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
Please see complaint XXXX. The company 's response is erroneous in a few ways : 1. They never address my concern which was repeated calls ( 3x in one day ) which violate the FCRA. Please address this concern immediately. Violations of the FCRA result in fines payable. 

2. This debt is not mine. Please correct your records. There is no history of this on my credit report ; you are contacting the incorrect person. I apologize for your poor recordkeeping. Stop. Calling. Me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation