vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Ocwen loan servicing did not response to my qualified written request for verification of debt over the past year or so I sent countless letters asking for proof of Debt that I indeed Ocwen and should be paying Ocwen loan I loan was with XXXX then Litton loan in XXXX the loan was paid as agreed and then Ocwen out of the blue sent a coupon statement asking me to start paying them. I never got and letter stating the transfer or what happen to my last lender. I ask Ocwen to provide proof of debt and if they did n't have proof to cease collection but if Ocwen had proof I would continue to pay. On XXXX/XXXX/XXXX Ocwen sent me a letter stating they would opt to stop collecting instead of showing me proof. XXXX XXXX I sent another letter asking them to stop reporting to the credit angency Ocwen removed the loan from Transunion but reported to XXXX and XXXX that forclouse processing have started Ocwen is not the note holder and has no right to collect. They also never respond to my letters. They have no legel right to forclouse on my property the loan was already paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I 've been making my mortgage payments on time, but in XX/XX/XXXX was unable to pay my taxes. I set up a payment plan with my county and on the last payment, Ocwen set up an escrow and paid the remaining XXXX {$790.00}. I contacted Ocwen, explained the situation and sent them {$790.00} to get my escrow balance to XXXX and then faxed a letter requesting Ocwen close my escrow acct. And, I would make sure to pay my taxes. In ~XX/XX/XXXX Ocwen, sent my county XXXX from my supposedly closed escrow, and sent letters saying that I then owed them this amount. My taxes are XXXX. Freely admitting and in line with my intent to pay, I sent Ocwen XXXX ( my actual tax liability for the property ). Ocwen assured me that I owed them the remaining XXXX and would n't be attributing my mortgage payments to the loan until the escrow was paid off. Their research department was supposedly on it though. After more harassment, I discovered on some of the paper work they had sent me, that the XXXX was attributed to XXXX different PIN number XXXX was my property and the other was my neighbor 's property. I pointed this out to their effective research department and assumed that this would resolve the issue in short order. Not so, though they see it on their paper work, there is nothing they say they can do until the escrow balance is XXXX???? So, they 're moving along with harassing letters, some phone calls, notices on the door, beginning the foreclosure process, marring my credit, all they while they are cashing my monthly mortgage payments and the county tax balance is XXXX. I 've talked to several escalation specialist over a period of months. No resolution. I 've requested to talk to their supervisor, was told I would be contacted in XXXX. It 's been a week, no response and the letters keep coming. I been paying timely on this mortgage for 15yrs. I 'm beginning to pay down the principle and I think they may be trying to bully me out of my house. Or, some internal embezzlement at Ocwen? Some sort of funny business or bad business practice are afoot. I certainly patently tried to work out this issue with them that is clearly their mistake. Is there anyone else experiencing similar treatment with Ocwen?

Company response to consumer: Closed
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 XX/XX/XXXX, XX/XX/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 one 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 2015-07-23 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
Allied Collections has been reporting inaccurate account information for years. The original outstanding amount was {$50.00}. Allied Collections has reported the collection amount of {$160.00}. In addition, I was not aware that I had an outstanding account bc I have n't received any notice of this amount being owed. Contacted the original service provider, XXXX on XX/XX/2015. Spoke with XXXX in the billing department. She informed me that the balance due was {$50.00} not {$160.00} which was paid in full. Two weeks earlier, Allied Collections, I provided my credit card information to pay the balance of {$160.00}. The account specialist was to email me a receipt which I never received. Not maintaining appropriate account information appears to be habitual in this industry. I would like a refund in the amount of {$160.00} in addition to all negative remarks and removal of this account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
i posted an ad on XXXX selling a XXXX. the person responded from XXXX and i was told that i would be making a payment through XXXX using money gram to pay for shipping of an item. when i called XXXX with the information they informed me that the email was not real and that i should contact XXXX and file a fraud complaint. when i contacted XXXX they informed me that the money was already acquired so i am filing this compliant to receive a full refund seeing that the person has scammed in more ways than XXXX, lying about shipping and creating fraudulent XXXX emails and accounts to gain access to me. i feel very used and want to do anything and everything to get back my money. i have filed a case with local law enforcement and will be contacting my attorney as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I found a puppy to purchase out of state - XXXX XXXX, Minnesota. The ad was on XXXX. After several conversations/emails/texts with the seller, I decided to purchase the puppy. She said she would handle the shipping. The only thing I needed to do was provide the crate rental fee - {$650.00}. This was through a company called XXXX. 
The shipping company representative contacted me and asked for payment. He then told me that their credit card machine was n't working and that I need to go to MoneyGram and send the money if I wanted the dog shipped. They provided me the form for renting vs purchasing. I chose to rent with 95 % of fund returned when they received the crate. I receive a tracking number that I could place on their site to see where the puppy was. 
The next day, I received another email from XX/XX/XXXX stating that the puppy was at the XXXX XXXX ' airport and that the paperwork for the puppy was insufficient. They needed {$450.00} to get all of the health approval and shots before they would ship to our home. The email also had a threatening Gov. Reg notice on animal abuse saying I could be subject to prison. I was suspicious and checked their website. The site said they made sure that all paperwork for pets were approved before shipping. I asked the XXXX Rep to speak to a supervisor. He hung up on me and I never heard back from them. 
The seller responded to my texts asking us to pay the money and she would pay us back. We told her to pay the money since it was part of the agreement. She said she did n't have the money but was trying to find the money. Then we did n't hear from her. 
I do n't know if this is XXXX big scam or XXXX ... sounds like it 's XXXX big scam. 
I lost {$1000.00} from this scam. I realize now after writing this that there are so many indicators that should have been red flags for me but I was so excited about the puppy. 
Here is the name of the puppy seller - She provided us with this info for the MoneyGram payment : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN XXXX Phone : XXXX email : XXXXXXXXXXXX XXXX Ph : XXXX XXXX XXXX Email : XXXXXXXXXXXX Website : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I signed up to M and T auto draft on XXXX/XXXX/2015. The purpose of auto draft was for M and T to automatically draft my payments for my mortgage. M and T sent me an email thanking me for signing up for the service on XXXX/XXXX/2015. The email stated that I did not need to reply and I received no further correspondence in regards to the auto draft. All bill notices I receive from M and T indicate that if I am signed up for auto draft, the bill will be automatically paid. I have attached those emails. 

On XXXX/XXXX/2015 a letter was sent to me indicating that I could lose my home due to failure to make payments. I immediately contacted the bank after receiving the letter and made the payment of the phone. I wanted to dispute the late charges as I felt it was due to an M and T error/ miscommunication. I also wanted confirmation that it was not reported to the credit bureaus as the late payments were due to M and T not auto drafting. The person on the phone said they could not do that. I asked how I could follow up on that and the rep on the phone stated I could write a letter or go to a branch. 

I went into the branch at XXXX XXXX XXXX, XXXX NY XXXX on XXXX/XXXX/2015. In the branch I reviewed my concerns and made the above requests. This was escalated to the branch manager and they said they would look into it. I also asked to file a formal complaint and for documentation on M and T banks complaint procedure. The representatives stated that they could not provide this to me and that I could not file a complaint in person in the branch. 

I am at an absolute loss for what to do and I feel bullied by misinformation and apathy by M and T bank. They have a large amount of control over their customer 's lives and must be accountable for their actions. It is a simple case of an error that they made and they have done nothing to help fix it. 

I am requesting the fees to be waived, documentation that they did not contact any of the credit reporting agencies and for them to make filing a complaint easy so that issues can be identified and addressed. I would also like to be pointed in the direction of where I can locate my rights as a consumer when it comes to being able to file complaints with banking institutions. I have dealt with an unnecessary amount of anxiety over this issue with no assistance from the bank holding my mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-25 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
XXXX XX/XX/XXXX I was served summons XXXX. XXXX Weltman , Weinberg & Reis these companies are n't licensed in Pennsylvania checked on sec. states. I did find XXXX XXXX XXXX XXXX Entity Number XXXX. 

Sued By XXXX XX/XX/XXXX through its servicing Agent XXXX. XXXX Weltman , Weinberg & Reis judgment {$6800.00}. Kept paying WW & R until XX/XX/XXXX discovered not Licensed. 

Magisterial District number XX/XX/XXXX XXXX XXXX XXXX docket Number XXXX Plaintiff XXXX Bank through its servicing Agent, XXXX XXXX Weltman , Weinberg & Reis CO. , LPA XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX. Attorney Name XXXX XXXX XXXX Attorney ID XXXX. XXXX XXXX or WW & R Ca n't find on Pennsylvania Sec. StatesOn NMLS Debt Management and Debt Settlement licenses, Found XXXX Bank XXXX XXXX, DE XXXX NMLS I .D XXXX, MLO XXXX does n't specified Debt management or settlement found XXXX Bank License/Registration # : XXXX Mortgage Lender License Weltman , Weinberg & Reis licensed in XXXX XXXX FL. XXXX XXXX XXXX OH. XXXX XXXX XXXX OH., and XXXX for Debt Management or settlement not in Pennsylvania. 

XX/XX/XXXX Checking account Garnished in RE : In the court of common Pleas of XXXX XXXX, Pennsylvania Case XXXX of XXXX Bank through it servicing Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX. attorney XXXX XXXX XXXX PA Attorney ID : XXXX XXXX XXXX XXXX XXXX XXXX was served with a writ of execution and interrogatories to garnish checking account. XXXX XXXX Bank on XXXX charged {$190.00} for legal Fee. 

Hearing on XX/XX/XXXX In the court of Common Pleas XXXX XXXX, Pennsylvania XXXX Bank, Through its service agent XXXX Plaintiff XXXX XXXX XXXX, XXXX PA ID XXXX Attorney vs defendant XXXX XXXX XXXX Civil Action XXXX of 2013. Ca n't find XXXX XXXX XXXX, XXXX or XXXX on Pennsylvania Sec. States. 

I have been lied to for 3 years from this SO Called Law Firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Mortgage was taking out in XXXX with XXXX. Due to divorce and declared bankruptcy. I have been trying to work with XXXX since XXXX to have my mortgage modified. I also made payments and applied for modifications. After being denied modification I stopped making payments on the loan. 
Currently I am not sure who owns the loan or services. As I have never gotten a formal letter notifying me. I receive a bill from M & T and Service request from XXXX XXXX Servicing on mortgage refinancing. 
I also searched my loan and noticed XXXX XXXX may own my loan.

Company response to consumer: Closed
Consumer complaint received 2015-06-18 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
AD for a car on craigslist for XXXX. Contacted them about the car the dealer said to give address so he can contact the XXXX dealer and the XXXX dealer contacted me and gave me the steps to make the payment through money gram. I did. A day later I found out it was a scam. When I asked them for my money back they refused and continued to say that the car will be here today and there has n't been a car delivered here. The dealer also said he was a soldier and he needed to sell the car quick

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I received the check in the mail for secret shopping opportunity to evaluate the customer service at a MoneyGram location. After I completed the job a couple days later my bank said it was fraud. And they froze my account and would n't let me access my funds in order to pay my rent. I could be kick out soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: CSO Financial
State: OR

Complaint narrative:
I received a copy of a writ of garnishment from XXXX XXXX XXXX XXXX that was issued from CSO Financial. I had no idea that CSO financial had a judgment against me. A few days after receiving the copy from XXXX XXXX, I got a Validation Notice from CSO Financial, stating that I should dispute within 30 days and they would obtain copy of the judgment and if there was no dispute they would assume the debt was vaild. A few days after that, within the 30 days, I received a Writ of Garnishment from CSO Financial, which states I can not dispute the validty of the debt but can only challenge the Garnishment. 
I tried calling and so did my sister, who is an authorized user on my account and neither XXXX of us was ever actually able to speak to a person. It is my understanding that sending those XXXX different notices within the 30 days of each other is in violation of the FDCPA because it sends confusion to the least sophisticated consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I signed a promissory note that required 60 payments of {$570.00}. All 60 payments were made as agreed and on time as I had my account on ACH. I am now being pursued for an additional {$26.00}. They are harassing me at my POB for payment of this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I had met with a senior mortgage consultant in XXXX of XXXX to fill out enrollment paperwork for the XXXX XXXX XXXX program. She opened the account that day and said I was all set and we made the first deposit. She told me follow the instructions and to contact her when I was ready to start looking at homes to buy. For the next 10 months I made my monthly deposits. When I started to look at houses I emailed my mortgage consultant and made sure I had all of the deposits made and was on track. She then had me attend a first time home buyers workshop. I completed that and sent her the certificate again making sure I was all set with the XXXX. When I went for a preapproval in XXXX of XXXX she said I had 24 months to use the XXXX grant. I did not end up purchasing a house then. When I emailed her again this past XXXX, I did not get a reply so I emailed another mortgage consultant. She proceeded to tell me the original lady was not with the bank any more and that I was not enrolled in the XXXX XXXX XXXX program. I sent all of my enrollment paperwork to prove that the account was open and was told that the bank had made a mistake and my paperwork was never filed. I was told that when I applied for the actual mortgage the bank would make it up to me as I was losing {$8000.00} in the grant. I just went in last night to talk to my new mortgage consultant to fill out an application because I had found a house and put an offer in, she told me that the best they could do was to maybe reduce my interest rate by XXXX of a percent and that i would not get any where near the {$8000.00} that I lost from the grant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
On XXXX XXXX, I observed that a collection debt was placed on my credit report by a Portfolio Recovery Associates. Never received any communication from this company nor did I have any idea what this debt was. Had to call XXXX credit bureau to even find out that it was Portfolio Recovery supposidely attempting to collect on behalf of XXXX. My ex-wife received a call yesterday requesting me to call back a number regarding a " final attempt by XXXX to deliver me some important documentations. '' I called back the number and got XXXX minutes of hold music but nobody ever answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I disputed the debt. I am not sure if the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
This debt was originally from XXXX XXXX credit card. I disputed charges with them on multiple occasions and my issues went unresolved. The debt was disputed with the credit bureaus. Removed and then on XXXX/XXXX/16 the debt was added back to my credit report but through Portfolio Recovery. Portfolio recovery has now illegally re-aged the debt to appear current even though the debt is old and from XXXX XXXX charges, that they still have yet to resolve. In addition, XXXX XXXX did not provide any information that the debt was being sold and/ or any update to the investigation regarding charges before putting on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: AC AutoPay LLC, Denver, CO Branch
State: NY

Complaint narrative:
On XXXX/XXXX/15 I went online to research car refinance rates in my area. I used XXXX and found a site that I understood would provide me with the prevalent rates in my area. They required some personal information to identify the best rates. I completed the form and submitted the information. In no way did I request or apply for a car loan as I only wanted to research current refinance auto loan rates. Unfortunately this site uses deceptive messaging and serves as just a marketing gateway to lenders which consequently ran my credit XXXX ( XXXX ) times thus affecting my credit report/score. Unfortunately I deleted my browser history and do not have the name of the deceptive website but i do have the names of the XXXX finance companies that deceptively acquired my personal information and ran my credit report resulting as a hard inquiries on my credit report. 
I have attempted to contact the XXXX companies in question to no avail as they all have stated they are not responsible for the deceptive practices of the original website. I disagree and would like them to remove the inquires in question on on my credit report. 
I 'm respectfully requesting assistance to have the companies in remove their respective inquiry from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation