vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-11 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I recently opened an account with M & T Bank, and my debit card was stolen, and used to take out money. It happened at work, so any co worker could of seen my pin standing behind me at an atm any of those days. It is sad that you ca n't even trust your own coworkers!! I called M & T Bank to cancel my debit and order a new one, and I had trouble just ordering a new card, and they could n't process it, so told me to call back in a week! I have no money now and no card! How am I suppose to eat, pay bills, or anything?! The first time I called the representative was so nasty and hung up on me! I just want this bank to help me with this problem. I switched my bank to join the M & T family, and I have gotten no help! They have not given any response or resolve. Not even a provisional credit to get me by! They hit with fees from every angle, but ca n't help a customer in need. SAD!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ

Complaint narrative:
A woman in XXXX XXXX advertised a house for rent in XXXX XXXX. 
I responded, wanting to rent for the month of XXXX 2016. Her " husband '' handled the initial exchanges, including a contract, certificate of ownership, etc. I filled out an online application. It was all done online. 
After I sent the {$1000.00} security deposit he requested, his wife texted me saying he had died XXXX. She wanted the rest of the payment - {$1500.00}. 
At this point I realized I was in deep trouble, so I refused. I got to MoneyGram Inc only 1 hour before she picked up the {$1000.00} and blocked it. I now have my money back but do not want this woman to scam another person. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CSO Financial
State: OR

Complaint narrative:
self employed, hit hard times and mistake in checking account resulted in NSF checks, which after bank fees amounted to {$1700.00}. tried to set up payments, but account was sent to credit services of oregon. after they included all their fees the amount is now {$3500.00} ( I believe outright usury ) anyhow they continue once a year to garnish the checking account, but this year they hit it twice within 4 months. I called to try to set up payments, {$25.00} a month, using the company debit card and was told there would be a {$15.00} to {$25.00} fee for using the card. We want to make this go away, but ca n't seem to get ahead Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
I contacted my mortgage company in XXXX 2013, M & T Bank, about a making home affordable refinance because I was under water with my mortgage. They took me through a process whereby they led me to believe I would be getting a lower mortgage, meaning they would resolve the fact that I am underwater and reduce my principle. In a nut shell, they told me I was ineligible for the program because of my income and said that they could still refinance my mortgage under the program and that I would not need an appraisal or would not have to pay any closing costs. They worked with me to get all my information and refinanced my mortgage. I thought I was getting a making home affordable refinance whereby my principle would see a reduction down to the market values in my neighborhood and that my payment would in turn be lower, which is what I needed due financial hardship of my mortgage. All in all, I found out when the dust settled and all the paper work was complete that they they did what is called a streamline refinance and that it was not in fact a principle reduction through making home affordable. I was left in the same situation I was in and still am struggling to make the payments. I am now in the situation where I have to either short sale my home or do a deed in leiu of foreclosure because they didn ; t help my situation. What they did was to talk circles around me to lead me to believe that what I was getting was apart of the XXXX XXXX program and all they did was line their own pockets by keeping the same principle so that they didn ; t lose money off of the large mortgage I have. They only reduced my rate, which did not reduce my payment at all. I feel like they cheated me out of the rights to get my underwater mortgage principle reduced and now I am in the same situation with little to no recourse and I want something done to investigate what was done to me and probably hundreds of thousands of more people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I had XXXX in XX/XX/XXXX due to being laid off. I incurred XXXX XXXX bills. The facilities an, but not the physician billers. When i received collection bills for these visits from IMC Credit, i sent letters to the debt agency and the billing company ( XXXX ), asking them to detail the status of the debt ... date of service, had insurance been billed and if so, what did i owe as a remaining balance. I received no response. Until, I received notice from an attorney that a judgement had been filed against me for the bills. I called the debt agency asking why a lawsuit was filed versus responding to my questioning the debts and was told that if they received a letter questioning the debt and did not feel the questions were specific enough, they would not respond to the letter. I guess they did not feel my questions were specific enough, because i received no response. Just notification of lawsuit. I spoke with the biller ( XXXX ) of this debt and they said they never attempted to bill my insurance for XX/XX/XXXX and XX/XX/XXXX, but somehow was able to bill for XX/XX/XXXX. I was told by them they did n't have the insurance info, likely due to " electronic systems not being reliable ''. I was also told that i would have been better off calling in to ask for status, than sending a letter, as I received no response to my written requests from them either. I do not feel that having a judgement filed against me is fair at all. I 've sent them letters asking for info that went ignored. I 've told them during collection calls to send me info in writing. I made necessary attempts to get clarity so that i could figure out how to resolve. 

I would like to make note that, I have not received anything notifying me of the judgement from the court yet. I received a letter from XXXX bankruptcy attorney 's advertising their services because they saw that a judgement has been filed. I confirmed the filing with IMC via phone on XX/XX/XXXX. However, I feel that there is no need for a judgement or any court proceedings because I provided the proper insurance information to the hospital each time I was seen and i have attempted to contact them via writing with no response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
XX/XX/XXXX, Ocwen Loan Servicing sent a notice regarding a settlement that I was eligible to participate in. The claim form was returned before the deadline. I spoke to someone who confirmed that not only was the form received, but they also gave me the amount I 'd be receiving. 
XX/XX/XXXX, I called to check on the settlement payment. I was told that the check had been mailed. It 's now XXXX, a year later, and I still have n't received the check. 
I 've called Ocwen a few times, the last time being XX/XX/XXXX. I keep being told that I 'd have to send a written letter to Ocwen 's research department. 
If a check was mailed in XX/XX/XXXX, why do I need to write a letter to the research department. Either the check was sent or not. This is unacceptable! This mediocre way of doing business is exactly why Ocwen was in violation of so many things and a settlement was reached in the first place. 
This issue has lingered on long enough. As a XXXX-year veteran XXXX, I 'm highly offended that this issue is still continuing and I 'm still getting the run around. Any assistance provided would be greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
This all started back in 2013 my mortgage company lost two of my payments we submitted our bank statement when they bought our mortgage and said they never received them which put us behind then they started foreclosure they charged us {$8400.00} to get out of foreclosure we are now still fighting them because they say we still have {$3300.00} in foreclosure fees which it 's been 3 years now which has made us three payments behind again every time we make a payment we have new charges they 're trying to charge us {$570.00} and late fee charges and certified mail charges which we have not received any certified mail they are charging of property inspection fees nobody has come and inspect my property and now we have made an insurance claim and we had to mail them the {$17000.00} for our garage check and they are with you using to release that to us we are just trying to get what is belong to us to us if anybody could help us this would be wonderful wonderful

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 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 asked from the collection company to provide me the contract they have for XXXX, with my right name and my SSN on the contract, they refused. 
when i asked from them to varified with me the information on the contract over the phone, the lady i spoke with her she insisted 3 times that my correct name on the contract with SSN. i asked from her to read for me the name on the contract, she read it wrong and when i asked form her to read my SNN on the contract, she said there is no SNN on the contract. 
so how they reported me based on the contract they claimed that belong to me if the name on that contract does not match my name and they have not even my SSN on the contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: TX

Complaint narrative:
I keep getting reported on this debt, company claims I am a cosigner on a debt from a known acquaintance. They claim I lived in a address that I do not know. 

My address since I moved to Texas is XXXX XXXX XXXX XXXX tx XXXX. 

I have requested a verification of debt and have not received and they keep raising charge on my report to this day. They have offered to settle with me for something that is not mine my fax number is XXXX and my email is XXXXXXXXXXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen, the " debt collector/mortgage servicer '', is taking money in escrow for flood insurance but refusing to pay the flood insurance on my property. Additionally, they refused to close my escrow account saying that my flood insurance is n't paid, yet I have faxed to them twice my current/paid flood policy declaration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
OCWEN LOAN SERVICING LLC has stolen and used my identity to purchase insurance and pay property Taxes using my Name, Identity and property without my Consent or Authorization. 
They Claim that a Foreclosure happened XX/XX/XXXX by XXXX. so why is their an account # XXXX XX/XX/XXXX with my name, social security number and Private information being used to pay Property taxes and Property Insurance?

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: MA

Complaint narrative:
I have come into difficulties paying my mortgage. The cost of living has gone up. Also my wife has been receiving help for a drug addiction problem. I have a XXXX year old XXXX daughter and a XXXX year old son. Since my wife has gone for treatment a lot of things fell on my shoulders. Finding out that she was not paying pills during active addition. Having to take care of my children on my own. And my hours were reduced at work. There has not been any over time availabile. Ian very afraid to have to move my daughter to another home or worse even another school. My daughter becomes XXXX when her environment has had to many changes. I simply need 6 months to get caught up. I asked my mortgage company for help and they said no. That I have not been in the home long enough. ( I 'm sure it has more to do with the fact that they are selling my mortgage in 30 days! ) they say I have to pay {$700.00} in 30 days or get forcloused on!!! The one thing they said they could do is accept {$300.00} and RAISE my mortgage to {$2400.00} for the next 6 months!!! Is that suppose to be helping me in any way!?!?!? I just want to keep my family in my home!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: ID

Complaint narrative:
XXXX servicing I sent a complaint about this mortgage company about removing my credit report from the credit reporting companies. This is the second time i tried to get a response from them but I think they are no longer in business so i think that is why i did not get a response to have them remove my credit report from the XXXX reporting credit companies. 
I had my mortgage sold to a different company with a XXXX balance owed there for i should fell my credit report from them should be removed please help me to figure out how to have this done thank you ....

Company response to consumer: Closed
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cooper Hoffman Klein Associates
State: MD

Complaint narrative:
I took out a loan with XXXX XXXX in XXXX California. I only owe {$310.00}. I have been contact by XXXX XXXX XXXX, Cooper Hoffman Klein and Associates, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX about the same {$310.00}. I was coerced by XXXX XXXX which claimed it was located in Ohio to set up a payment play of 6 months paying {$110.00} from my Social Security monthly check. XXXX XXXX XXXX threaten to file paper work with XXXX XXXX XXXX in California to garnish my wages. I set up the payment plan and the first payment of {$110.00} and it was debited from my Social Security check account card XXXX XXXX, XXXX. I requested that XXXX XXXX XXXX send me a bill so I can see the exact charges and they would not produce a bill saying they do everything via email or electronically. By law XXXX XXXX XXXX or Cooper Hoffman and Klein Associates has five business days to send me an itemized bill and a requested to send me the copy of the payment plan I set up with them. I contacted XXXX XXXX and found out {$310.00} was all I owed and that they XXXX sold the debt to XXXX XXXX on XXXX XXXX, XXXX. Then XXXX XXXX sold the {$310.00} on XXXX XXXX, XXXX to XXXX XXXX XXXX. I was harassed over the phone by the legal team of XXXX XXXX XXXX Cooper Hoffman and Klein and Associates saying they could not send me an itemized bill stating I had to set up a payment plan plus pay the entire amount prior to getting an itemized bill and my payment plan information. I never denied that I owed XXXX XXXX {$310.00}. I would like to pay my debt of {$310.00} to XXXX XXXX directly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen Loan Servicing , LLC and I entered into a loan modification over a year ago. And have been making regular monthly payments for over a year now. However, Ocwen only choses to credit the payments it decides to deposit on the dates it decides to deposit or in some cases returns back the funds. I send a payment but they never credit it to the account. Ocwen also does not report payments that were made and credited to the account correctly or at all to to the credit agency 's. Ocwen now wants to try to foreclose on my property, but will not except payment from me. Then a new modification Ocwen sent just over a month ago, was signed and sent back with payment. Ocwen accepted the funds only to return them ten days later and file a foreclosure. 
Furthermore Ocwen since the original modification was completed over a year ago has been holding {$45000.00} in my escrow account. Two months of ecsrow is all the that can be held in an escrow account by law. Ocwen is holding over ten times that. 
Ocwen needs to credit my account the escrow overage amount of over {$40000.00}. 
Ocwen is also holding a {$10000.00} insurance claim check they refuse to endorse and mail me for Hurricane damage to my roof. Finally Ocwen is also charging me {$2300.00} a year in flood insurance I do n't need because i am not in a flood zone. And refuses to credit back the insurance payment even though Ocwen has acknowledged the property is not in a flood zone. 
I have been dealing with Ocwen for a number of years and have found them to be XXXX of the most corrupt financial institutions in the nation. I have every intention on continuing to pay my mortgage, but how can i do that if Ocwen will not except my payment. I hope to resolve this problem and the many other discrepancies on my account as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
My mortgage company, XXXX XXXX - now sold to Ocwen mortgage, has been trying to steal our house from us since 2008 through a modification. They did not apply payments for over 6 months, reported us as late, destroyed us financially & basically made our lives XXXX for the last 8 years. Currently the attorneys for the mortgage company are using lies to continue to try to steal our home. My full complaint is lengthy & detailed and will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My mortgage lender keeps " holding '' our monthly payment to apply a late fee. 
payments sent through the bank or mailed always post between XX/XX/XXXX-XX/XX/XXXX regardless what day the payment was mailed on. Their investigation department took all of 5 minutes to review and determine that the payment was late and imposed the {$110.00} late fee. 
They continuously call my cell during work hours leave messages on my cell contact my husband every day to make the payment using their automated service- which they charge {$19.00} - I get 3 calls a day beginning on the XXXX of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
This complaint is against Ocwen Loan Servicing. 

I have been overcharging by escrow, my annual XXXX City tax assessment {$3400.00}, and Ocwen was charging {$400.00} together with my Mortgage, it totals {$4800.00}, there were {$1300.00} overpaid every year. 

I made a complaint with Connecticut Attorney General already and they advised me report to your agency also. 

On XXXX XXXX Ocwen was already ready to increase my escrow charging {$450.00} every month, that makes {$5400.00}, so I cancelled, my escrow and decided to pay my taxes myself starting XXXX XXXX. 

But on XXXX I received a letter from City of XXXX, stating on an unpaid tax assessment date XXXX/XXXX/XXXX and the due date XXXX/XXXX/XXXX. 

When I reported to the CT General Attorney, they replied that, I had to pay, since I had no escrow anymore, but this letter is from XXXX and not XXXX, the due date is XXXX, but was from XXXX. 

What did they do wit the money they collected from me? 

This is an unfair practice, and Ocwen is raising every excused to cover their mistake, and XXXX Home Owners in the United States, are about to lose their homes because of these scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
My mortgage company, Ocwen Loan Servicing, has continually charged me late fees for payments that were made on time. I have sent documentation to Ocwen from my bank confirming that my payments actually cleared my bank before the past due date, but they ignore my attempts to receive a credit. I have been trying to resolve this issue for several months. I have written to Ocwen multiple times and they continue to do the same thing.

Company response to consumer: Closed with explanation