vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hunter Warfield is collecting a debt i have requested validation of the debt and not received it as of yet. The letter I received from them states the client is XXXX XXXX at XXXX XXXX, I do n't owe XXXX XXXX at XXXX XXXX. 

Also the initial request was made XXXX/XXXX/2015 and follow up request made XXXX/XXXX/2015 and XXXX/XXXX/2015. I have been ignored. 

The only correspondence received from Hunter Warfield was on XXXX/XXXX/2015 stating they would investigate and remove the reporting ; however that never happenend

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My name is XXXX XXXX, I submitted a complaint previously against Ocwen Loan Servicing, my loan # XXXX. My complaint to the CFPB is case # XXXX, Ocwen replied to my complaint stating that they offered me a proposed mortgage modification with a balance reduction in XX/XX/XXXX and that I did not respond to the trial payments offered to me. Attached to the response was a copy of great offer that I never received by mail. I would have taken that offer! According to the response, I missed my chance and now my home went to sale XX/XX/XXXX. I objected to the sale and I am awaiting a hearing. Since XXXX XXXX XXXX, I disputed Ocwens response on the CFPB portal and I have not received a response to my dispute as of today, XX/XX/XXXX. My case is currently open and certificate of title has not been issued back to the lender. In my dispute, I explained to Ocwen that I never received the offer, and I wanted to know how they can say they sent me the offer without any proof of certified receipt and how they can give me a modification in XX/XX/XXXX when at that time I did not even fill out a modification application? I called Ocwen direct, and they had no record of an application that was filled out by me, and they have no certification of proof it was sent to me because they claim it was sent by regular mail. In my initial complaint with CFPB I also posted theemail exhanges I had with the plaintiffs attorney regarding a resolution by loan modification days before my trial on XX/XX/XXXX. The Plaintiffs attorneys asked me how I would like to resolve the matter and gave me a choice of loan modification. I immediately responded that I wanted a loan modification the same day on XX/XX/XXXX to XXXX XXXX, Contested Paralegal to XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I never got a response back since then. All I want is a fair modification to keep my home, but I am not getting any responses regarding this matter from Ocwen or Attorneys for Plaintiff, XXXX XXXX XXXX case XXXX XXXX. I could not respond to a loan modification offer I never received and I would like to get that offer from Ocwen again. 
Please respond on this site. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fl. XXXX, phone XXXX. XXXXXXXXXXXX

Company response to consumer: Closed
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
I am being sued in a foreclosure by the loan servicer Ocwen XXXX. My loan was closed with XXXX XXXX and they are no longer in business, then XXXX assumed the loan and placed in a trust and the trust no longer exist now Ocwen sent me a letter stating they have a lien on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My home was foreclosed XX/XX/2014 & we had modifications through a previous lender Homeward when it was sold to Ocwen. I believe out modification, loan, payments, & foreclosure was mishandled. 
We have contacted Ocwen on several occasions with no response to the information we requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I am filing a complaint against Ocwen Loan Servicing/XXXX Bank for utilizing BWW law group Attorneys At Law to use intimidation to force me to contact them while I was reporting their misconduct to OCC and Consumer Financial Protection Bureau. I recieved correspondence from this firm which had my complete history of my promissary note and deed of trust. In the correspondence that I signed for through the United States Post office XXXX VA. The letter stated, " This is not a demand for payment and this firm has not been retained for a lawsuit against you. '' This type of intimidation and bullying is a part of the abuse I have recieved from OCWEN Loan Servicing/Deutsche bank. XXXX XXXX XXXX XXXX requires financial institutions - companies that offer consumers financial products or services like loans, financial or investment advice, or insurance - to explain their information-sharing practices to their customers and to safeguard sensitive data. I never gave XXXX and XXXX attorneys or XXXX to have authorization to me or my ex husbands information. Will attached documents. My original note and deed said that the loan had to be kept as a VA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NV

Complaint narrative:
I was scammed into buying a puppy over the internet which I paid by Money Gram {$700.00}. Then the shipper contacted me and demand {$1500.00}, then the next days demand {$1300.00} which I paid XXXX of those by Money Gram and when he demanded yet another payment of {$2400.00} I refused. Now I have no dog and no money. The dog breeder was XXXX and the shipper was XXXX Pets XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Direct Capital
State: IL

Complaint narrative:
On XXXX XXXX XXXX, 2015 around XXXX, someone called my sister n law 's phone looking for me and she told them that they have the wrong number. I called them back and spoke to a man who said that I was being accused of fraud for writing multiple bad checks and that I owed around {$5400.00} in fees. He said that I probably just made a mistake and that could settle this for about {$1000.00}. I told him that I needed him to send me something in writing to verify this and he told me that he did not have to because it was past the point of collections. I told him that the conversation would be over if he could not provide this information to me and he began yelling at me and hung up on me. When I came home i also received a voicemail from this same number just stating that there was a claim in their office and I needed to contact them back. On Tuesday, XXXX XXXX, 2015 at XXXX, I received another call from this number. I called this number back and spoke to a woman who identified this company as Direct Capitol and stated that she was not a debt collection agency, but a mediation agency. She stated that I was being accused of fraud for writing bad checks as well and I explained to her that I would need something in writing stating what I was being accused of and how much I owed. She said that if I did n't resolve this issue that I would be referred to the county for fraud. She told me that they had me on camera walking into a loan store and writing a bad check and that is considered fraud. I then told her that I did have a payday that I took out in the past that defaulted and that I tried to make a payment arrangement with that company and the company did not want to accept my arrangement. She told me that I could settle this for about {$1000.00} and I told her that I needed to see what I was being accused of in writing first. She kept insisting that I make a arrangements with her and I kept insisting she give me something in writing. After going back and forth she said that she was just going to send this in and that I needed to get an attorney and that I would be liable for about {$4000.00} and hung up on me. I have this conversation recorded on my phone and can email it to any party that needs this or I can replay it. I tried googling this company and found no results. This woman did have some information about this debt but was not accurate. I believe that this company has violated The Fair Debt Collection Act for accusing me of a crime for owing a debt and accusing me of writing multiple bad checks because I took out a payday loan that defaulted. They also are not representing themselves as debt collectors which is also fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: ClosingMark Financial Services, LLC
State: CA

Complaint narrative:
I lost my job of many years in XXXX 2016, my wife and I began living off our savings and making our mortgage payments to South Pacific Financial from a account which was depleting fast. In XXXX 2016, I contacted my lender for mortgage assistance wherein, I completed a application and sent it in along with the documentation requested. In a letter dated XXXX XXXX, 2016 I received a denial for not being in imminent default. My current employer pays me Per Diem although my wife is still working our household income has been affected by this. My entire savings is less than {$4000.00}, currently I am using over 50 % of my income to pay my mortgage I can not go on. On XXXX/XXXX/2016, I sent documents to XXXX XXXX XXXX the supervisor to support our need for mortgage assistance and to appeal their prior denial, On, XXXX/XXXX/2016, a email was sent to XXXX XXXX following up on the status of my appeal, I heard nothing. When I contacted South Pacific Financial on XXXX/XXXX/2016, I was told that my documents never reached anyone within South Pacific and my denial stood. This is outrages! I am fully aware that the XXXX program ends on XXXX/XXXX/2016, I believe that my documents were held on purpose hoping that I miss the deadline. However, I contacted South Pacific executive office, specifically, XXXX XXXX XXXX who stated that he would look into the matter. Below is the message sent to XXXX XXXX on XXXX/XXXX/2016 : XXXX Good Morning XXXX, Thank you for reviewing these borrowers in order to confirm their status as being in imminent default. Please find attached documentation which supports the employment status of both borrowers past and present. The attachment includes their entire savings and checking accounts as it stands currently, I am sure you and or your underwriters will concur that these borrowers are unable to continue to pay the current mortgage and are eligible for mortgage assistance. 
Thank You XXXX There has been absolutely no communication from XXXX XXXX or from South Pacific regarding our appeal for mortgage assistance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have disputed several items on my credit report with Equifax over the past year. Equifax continues to allow items on my credit report, that has not verfied and has not provided verifiable proof of alleged debt, nor did Equifax receive the information from original source. If Equifax would have conducted a proper investigation as per Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) and605. Requirements relating to information contained in consumer reports XXXX - Equifax would noted that the Bank XXXX XXXX XXXX Account # XXXX is still reporting after 7 years. 
Equifax has not allowed me to dispute nor allowed me to provide any information via there website to prove that XXXX has been paid and XXXX has agreed to remove this account off my credit report. XXXX is also reporting after 7 years. 

I have disputed ALL XXXX judgement requesting that Equifax provide me with verifiable proof of said judgments which they failed to comply as per Section XXXX and Section XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Atlantic Credit & Finance, Inc.
State: CA

Complaint narrative:
I could not find the exact " describe the issue '' choice, but Atlantic Finance threatened me that unless I made my payments via a monthly electronic payment system, they would sell my debt to a company that would add more interest until the debt was paid off, therefore dramatically increasing the amount of my debt when I agreed to payments but only wanted to pay by USPS money order. 
Said my credit would get a negative report if I did n't pay electronically. 
XXXX XXXX and his " supervisor XXXX '' Harassed me and used threats of credit harm if I did n't open up some kind of electronic XXXX card payment system to make my monthly payments. So, at much hardship and more expense I did open a pre-paid credit card and made my first payment. The very next day I received hard copy correspondence from Atlantic Credit and Finance that included a payment form for paying with a money order or check??? OR electronic CC payment IF I CHOSE. 
I am a XXXX year old totally and permanently XXXX Veteran, my total monthly income is from my VA XXXX pension which is less than {$1100.00} ANY extra expense is a extreme hardship on my financial abilities, and I explained this to Atlantic Finance when I stated that I only wanted to pay via money order or check to avoid any electronic fees or give any of my private financial information to a collection agency because of all the reported harms done by collection agencies to others when they provided personal financial info unrelated to the debt. 
I agreed to make the payments to protect what little credit I have, even though I felt in principle that the original debtor XXXX XXXX, had broken a agreement with me for payments when I was ill and could't keep up with the full payments but offered " good faith '' payments until my health would allow me to catch up. I fulfilled my part of the agreement with XXXX XXXX, but the reneged just before XXXX causing me to not be able to purchase the gifts for my grandchildren I wanted to. I admit I was so angry and upset XXXX, that I just did n't care and told XXXX XXXX this. But after contact by Atlantic, I did agree to pay off the debt if they would n't harm my credit as long as I was current. They said they could n't but convinced me that as long as I was paying that 's all that would show, that I was paying a monthly obligation. But they insisted that they could only accept a electronic payment, otherwise they would sell my debt to another company that would continue to add interest charges and that I would incur much more debt! 

I was harassed, demeaned for my original debt to XXXX XXXX, coerced and outright threatened with more debt added, unless I agreed to make electronic payments and incur the added expenses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
7 years ago I started re-fi with my mortgage company. 5 years later and XXXX refinances that they constantly squelched, they sold my loan to another bank when we were at the end of the XXXX modification and it was a paper away from being finalized. The new bank than attached an additional {$84000.00} to my loan. XXXX offered me 2 % for 30 years, XXXX bank 2 % for 5 years. Totally XXXX on this one. Of course during the 5 years XXXX XXXX would not let me make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I had/have been trying to get a modification of my mortgage since XXXX. I kept asking and asking to no avail. Hudson City Savings Bank said that since they did not take any " XXXX '' money I ( and every homeowner through HCSB ) was not entitled to any of the government programs that COULD AND WOULD have SAVED my house. I 've now spent {$15000.00} on an attorney for the past 2+ years ( and I am on XXXX and get a small amount ). My house is now up for Sheriff 's Sale. I am now trying to get a modification through M & T Bank who bought out/merged with HCSB I do not know what will happen with M & T. But I should not have suffered all these years with calling and writing letters every month asking for HELP.Through all these years HUDSON CITY SAVINGS BANK did NOT offer any alternative programs to HELP save my home. They never even responded to any of my numerous letters or phone calls to discuss options. It was as if I never existed. This is NOT how a BANK that profited during the financial crisis should treat their customers. When the " late '' CEO XXXX XXXX got an average salary of $ XXXX a year ( over a 5 year period of time ) during XXXX, see Forbes article, and overall $ XXXX in stock options. 

" The Financial Crisis Inquiry Commission Report '' XXXX says and concurs that the Banking/Financial/Investment institutions WERE at Fault and caused this economic collapse ( and they benefited in the millions of dollars ) so why do I and every other home owner now suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI

Complaint narrative:
Trying to get my money refunded. Sent money through MoneyGram, receiver did not get paid. Walmart tried to help but their call with MoneyGram was cut off. The only reason MG gives is that " it is under review ''. It takes about XXXX mins to get a live assistance on their XXXX number, IF lucky to get someone, the call is cut off after a few minutes. Money was sent using the " XXXX minute '' delivery service on XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-02 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I spoke with a representative named XXXX. He said I owed {$120.00} but I disputed the amount. I owed {$96.00}. He spoke fast, he changed the amount on the debt 3 times during the call, and he lied and said they were a paperless company when I asked for a print out of my bill. XXXX did not direct me to the web site where I could put in my account information and see the correct amount. XXXX said they were a paperless company but they had sent me a paper invoice a week before.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
XXXX relied on credit information provided by a company called SageStream LLC which incorrectly indicated that my credit score is XXXX. All XXXX of the reputable and actual credit reporting agencies ( XXXX, XXXX and XXXX ) all show my credit score from XXXX to XXXX. The incorrect info from SageStream resulted in XXXX requiring a {$500.00} deposit for each account which made it prohibitive to have service for what I needed. SageStream provided my credit report upon my written request but they had absolutely no account information on their response so I had nothing to dispute. They are giving out false and inaccurate info which is causing damages to me and they are not providing supporting information as to how they came up with their credit score. This is very detrimental to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Over the past few years, we have had a difficult time paying our Mortgage with Hudson City Bank due to loss of employment. Note : Hudson City does not fall under the US HARP program. During this time, Hudson City would not lower our mortgage interest rate despite numerous attempts to work with them. We also requested help from other financial institutions, but as we were current on our mortgage we could not qualify. Due to this situation, we could not be current on both our taxes and our mortgage. Over the course of a few years, we regained stable employment and our incomes have increased and however, Hudson City rolled our back taxes into our mortgage and rendered the monthly mortgage payment impossible to pay, despite the fact that we can now pay our taxes plus mortgage and a small portion of our back taxes. With new funds now coming in and increased salaries, we can make it work, but not under this new monthly payment. We attempted to send our mortgage payment + taxes into Hudson City, and they refused to accept this payment as they deemed it partial. Our actual mortgage was {$2200.00} our taxes appx {$900.00}, our check was for {$3300.00}. We are desperate for a resolution, be it rolling the back taxes into the final sale of the house, lowering the interest rate of the mortgage, or longer terms ... every time we discuss this with Hudson City Bank, each person states that it is not their department. We can not get to the correct department to find a resolution to this problem. We now will have to spend money seeking legal counsel for a foreclosure lawyer, rather than this bank working with us to assist in a better solution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: WA

Complaint narrative:
I fell behind on my mortgage, tried forever to modify it. Then it was sold to another bank. Again I have tried to modify it. These banks have n't sent me statements. I have no idea where there balances are coming from. They tell me they do not have to give me anything. I know I am being ripped off. Now on XXXX16 my home of XXXX yrs is being foreclosed and were homeless. I feel like I had no rights. Its wrong how these mortgage lenders treat people.

Company response to consumer: Closed with explanation