vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I was making payments to this third party company for my visa credit card balance and they called me to demand that I give them my bank information so my payment would be taken out automatically. When I refused to give them the information they became hostile and threatened to take legal action. When I asked for a supervisor I was disconnected. I called many times and they hung up on me repeatedly. I have seen many complaints against this company and a pending lawsuit. I do n't even know if they own the debt. When I request information they hang up on me. They continue to call daily after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I have been complaining about Ocwen loan servicing for a year now, they allowed a mortgage to be forged in my name, I contacted them about this, the dispute was resolved and Ocwen released me from the mortgage and bond, my name was removed from deed via a quit claim. Ocwen sent me a letter saying they would no longer report anything to my credit accounts with credit beurea. I have been seeking a mortgage and home for me and my kids and Ocwens now put the loan on my credit as a foreclosure, thus preventing me from obtaining a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I was granted HAMP XXXX mortgage modification by XXXX XXXX in XXXX of 2014. I have made XXXX trial payments plus have continued with the payments. XXXX XXXX can not finalize the agreement because M & T Bank will not subordinate the home equity line they hold. M & T claims their interest is not covered because of the property value. They said they will do another valuation, however the period to resolve this issue with XXXX XXXX has expired and they have put my property back in active foreclosure status. M & T has thus jeopardied over XXXX months of negotiations to reach an agreement and will force a new application for relief to be made or worse. 
M & T Loan XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I purchased my townhome in 1999 and the loan servicing since changed hands to Litton and now to Ocwen. I received a letter from Ocwen stating that flood insurance is now required. Please note it is now 17 years later. 
I contacted the holder of the master insurance policy for the entire condominium property and they advised that there is no flood insurance on the property because only some portions of the property were in a flood zone, others were not. She further sent a document stating that my unit was not in a high-risk flood area. I sent this documentation to Ocwen. 
I received a letter from Ocwen stating that their research shows I am in a flood zone. I think they need to provide me this " research '' specifically the designation of my unit # XXXX as being in a zone in need of flood insurance. 
The response I received was from XXXX XXXX in the Ocwen Office XXXX XXXX XXXX XXXX. I am sending this complaint because I should n't be getting a demand for flood insurance 17 years after purchase. Furthermore, Ocwen was not my original servicer. This seems to me that the demand is outside of the original requirements for my mortgage since flood insurance was not a requirement to initiallyl establish the mortgage. I 've read where mortgage companies are praying on homeowners in this way because they 've receiving kickbacks for the flood insurance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc
State: NV

Complaint narrative:
I have a debt from Hunter Warfield ( bad reviews ) - I need to see proof of this debt - their telephone # XXXX - address XXXX XXXX XXXX XXXX - XXXX FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My Mortgage lender, OCWEN, has escalated my monthly mortgage/ESCROW payment from {$2.00}, XXXX to {$2700.00} ( a {$300.00} a month or {$3600.00} per year increase ). In addition, OCWEN has charged my bank account, XXXX, the increased amount without my authorization. ( Please note : Nothing has changed with my loan..I have been paying the same amount for XXXX months until OCWEN drastically increased my monthly payment ). 
I have called OCWEN repeatedly ( each time is an average of a 1-hour wait time ). Each time the representative indicated they could not provide an explanation over the phone ... they will need to do " research '' and they will call me back within XXXX time!. In XXXX, I finally got a hold of an OCWEN rep who indicated that " OCWEN has the right to increase my ESCROW payment if they felt it was too low '' without authorization from me. I did not agree with this explanation and indicated that I will not pay any extra amount until I get a satisfactory explanation. As of XXXX XXXX, OCWEN automatically charged my account the extra {$300.00}! There was no statement or anything that indicated they were going to charge my account this amount and certainly no written explanation. I spent another 2 hours on XXXX XXXX with an OCWEN " escalation representative '' who also could not provide an explanation over the phone. She attempted to indicate that it was my insurance that increased -- this is completely incorrect. She also said she would call in XXXX hours and I still have not heard from her. 
In addition, I called my back XXXX to indicate that my account was illegally charged by OCWEN and will be filing a formal complaint with XXXX as well. 
OCWEN is known to be corrupt and has several lawsuits against it. I did not choose this mortgage company, my loan was sold to this company -- certainly not a choice I would ever make on my own. I feel I should not be forced to do business with a corrupt company who is " KNOWN '' to implement illegal and unethical practices. 
I am writing to request assistance in stopping OCWEN from getting away without arbitrarily exacting unexplainable monthly increases and then charging my bank account for this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
OCWEN Loan Servicing , LLC, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXXXXXXHas Month after Month POSTED Principal ONLY payments as XXXX monthly payments. 
Charged a late charge of XXXX when I have proof ( XXXX ) of timely payment. 
OCWEN REFUSES to POST payments AS PAID, Principal and interest. This is a on goingmonth after month problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
in XXXX 2014 I made my mtg. payment. it was n't until XXXX or XXXX they informed me that I missed my XXXX payment. I have since spent months trying to resolve this. I have sent my bank statement showing I made the payment and they took my money. my bank even sent them proof of payment. but Ocwen 's response is they are trying to find out what they did with the money. in the meantime i 'm receiving late notices still, my credit has been trashed, and they are taking late payments. they refuse to fix my account. why am I paying for their mismanagement of funds. I informed them I am filing a lawsuit against them and will not play their game any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
Greetings, My wife incurred medical bills from her XXXX ; our insurance was late on paying a number of the claims. However, IMC Credit Services, obtained some of our accounts receivable that were inaccurate, had incorrect itemized statements, or for items that our insurance had already paid. I was confused with what to do with IMC, as they used tactics that made me think I would be sued if I did n't pay them. 

Recently, I received a demand letter from them that stated balance owed of {$0.00} and it had my wife 's named spelled incorrectly. My wife and I reviewed our credit reports and there is a collection account listed under both of our social security numbers. I 'm unsure how my name is listed if I did not incur any of the services. 

We would like IMC to remove any reporting of this bill on our credit reports. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KY

Complaint narrative:
I was buying a car on XXXX for XXXX, and the suppose owner was to ship yhe car though XXXX XXXX.I sent the money thru moneygram to a XXXX XXXX in XXXX, XXXX, and the moneygram was diverted to XXXX XXXX, without my promission.XXXX did not vet the ad, as it was a total scam, and they knew it, due to the fact that in their bylaws they with XXXX.XXXX is part of XXXX, and XXXX XXXX says that in order for XXXX to take responsibility for car, it can only be listed on XXXX XXXX site.XXXX had the responsibility to flag the post, and Ifeel that they were in on the scam, because they still have cars on XXXX XXXX site that are scam cars.I hope you can help me, to shut them down, because according to websites, they are many people that has been victims of such a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
M & T Bank has refused to address our issues. M & T Bank has refused to provide a Power of Attorney for XXXX to act on their behalf, as required in our XXXX office. XXXX is either M & T Bank 's agent or not. M & T Bank refuses to state as to whether or not XXXX is acting on their behalf. This is despite an assignment and discharge recorded in XXXX XXXX -- 14 years after our payoff - by XXXX, on behalf of M & T Bank, without the required valid and legal Power of Attorney ever being recorded in our XXXX. We demand that M & T Bank simply answer our question, provide a valid Power of Attorney recorded in our XXXX -- or say that M & T Bank can not provide a Power of Attorney. This request is simple, and M & T Bank has failed to respond - multiple times. It has also been requested that M & T Bank explain the discrepancy in " loan '' account numbers. We request that M & T Bank immediately respond to our request. M & T Bank 's response is for us to hire an attorney. We should not have to hire an attorney until M & T Bank properly responds to our requests through the CFPB. 
Thank you, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 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:
Northern trust of XXXX XXXX representatives habitually fail to respond to letters, certified or otherwise, about concerns with open issues in relation to my father, XXXX XXXX XXXX 's estate, turned over to Northern Trust of XXXX XXXX in XX/XX/XXXX. 

An E-Mail was sent to Northern Trust headquarters in XXXX on XXXX/XXXX/XXXX, asking if there would be someone who would be willing to discuss my concerns before a complaint goes public with the Consumer Financial Protection Bureau, the only response to which was an acknowledgement of inquiry, copy attached. 

There has been no response to a certified letter, addressed to the executor of my father 's estate at Northern Trust of XXXX XXXX, a copy of which would be attached, again documenting the open issues with the estate, as well requesting specific documentation required to perform an accurate accounting of my father 's estate. 

Consultation with several Florida estate attorneys resulted in complete assurance that as a beneficiary of the estate I have the full legal right to such documentation. 
Are you aware of any national investigative journalists who are, or might be interested in, investigating estate management companies such as Northern Trust? 

The idea that so much effort must be applied to simply request Northern Trust of XXXX XXXX to perform according to their legal responsibility would be oppressively offensive. 

My father who was an estate lawyer all his life must be rolling over in his grave after surrendering authority over his assets to Northern Trust of XXXX XXXX. 

The transfer documents for the sale and distribution of my father 's portfolio would have taken me less than a week to process. 

The sale of his condo could have been easily handled by a real estate agent. In fact the condo was sold to the only person who ever showed interest in the condo for {$60000.00} below appraisal value, without ever being publicly listed. 

That this matter drags on for sixth years would be an abomination.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I applied for a modification over a year ago at M & T Mortgage Company. It was a long and grueling process, but I patiently and cooperatively did EVERYTHING THEY asked me to do, and I was approved for the modification. I made my XXXX trial payments on time, as required. Then I got the final modification documents to be signed and notarized. I did just that. I did n't notice that they were requiring my wife to sign on the documents, due to the fact that she is not on my loan nor Deed, so I did n't think I needed to look for a place on the documents for her to sign. So I signed, notarized, and returned documents to the bank, and I also continued making my payments as required. To my surprise, almost 3 months later, M & T Mortgage informed me that they have cancelled my modification because my wife did not sign the documents. PLEASE TAKE NOTE ... THEY NEVER SENT ME ANY NOTICE OF AN OMMISSION OF ANY SIGNATURE, OR IT WOULD HAVE BEEN DONE, and sent back in a timely manner. They had the documents for months and never bothered to contact me about the missing signature, instead, they went ahead and cancelled my modification, JUST FOR A MISSING SIGNSTURE OF SONEONE WHO IS NOT EVEN ON THE LOAN, AFTER I WENT THROUG SO MANY MISERABLE MONTHS TO GET THE MODIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Capital
State: UT

Complaint narrative:
It is a debt collector ( Direct Capital XXXX ) who claims that I owe for a payday loan. I asked for all their contact information and the man I spoke to hesitated to give me all the information. I asked for a verification letter and he said they could n't mail XXXX out and the best they can do is email it. I pushed for a hard copy to be mailed to me and he reluctantly agreed. It 's been 2 weeks and I have n't gotten a hard copy mailed to me. I finally got an email today but it does n't look legit. I looked up the address he gave me and it is a business called XXXX XXXX. It 's not Direct Capital XXXX like they claim it is. They called my sister looking for me and she got an automatic message that said they were looking for me and there was a complaint filed with my SSN and I need to contact them. They left that same message for me and when I contacted them, they said they were about to send my information to a legal party and sue me for triple the amount if I do n't pay. He also stated that they had mailed out letters. He told me which address they mailed them to and I had n't been at that address for 6 years or so. He said they tried to find my current address but were unable to. I told him I do n't know why that is since I had changed my address with the post office to my current XXXX about 3 years ago. I would like to send them a cease contact letter but I do n't know if it would do any good since the address they have listed and the address he gave me seems to be for another company entirely. I have been called from various numbers by them. XXXX number was local and the other numbers have been out of state - Florida I believe. They never leave any messages.I am trying to take care of my legitimate debts but this XXXX I really believe is a scam.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
Credit bureau Collection Associates XXXX XXXX reported misinformation on a bill. 
The actual amount, that were paid, the actual amount of the bill, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Herbert P. Sears Co., Inc.
State: AZ

Complaint narrative:
Just recently I had the opportunity to retrieved a copy of my credit and a consolidated credit search was conducted and as a results there was rrightigjt away identifing what debt I hadhad and were actual mine. One of the account from the list is unfamiliar and I have no recollection of this HERBERT P SEARS CO for XXXX. I believe this is not a debt that I have owned or recollect. I should have received calls, or mail. I have contacted all accounts of debtdebt and have set up arrangement s, and payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: FL

Complaint narrative:
Many calls to my cell phone number XXXX XXXX XXXX from Professional Bureau of Collections of Maryland , Inc XXXX 
I do not owe anyone anything.

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: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc.
State: NY

Complaint narrative:
This company is calling and harassing me on my personal cell and calling my work, which is explicitly prohibited by The Fair Credit Reporting Act. He mentioned some credit card I had never heard of. Furthermore, they have no standing to contact me about a debt, they also have not verified what debt they claim I owe. I want them to seize all communication and drop this frivolous collection attempt.

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 2016-07-04 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: MO

Complaint narrative:
I have asked Financial Control Service to validate a collection they are reporting on my credit reports on XXXX, XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
The debt in hand is duplicated and should 've been covered by insurance.

Company response to consumer: Closed with explanation