vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Law Offices of Barry J. Gammons, PLLC
State: TN

Complaint narrative:
I have been making regular payments to the Law office that now owns the debt, after an acceptable payment arrangement was agreed to in court. The last XXXX payments I made to them, I asked for a receipt of payment, along with a written statement of debt, and a remaining balance. After 6 months of attempting to receive that information from them, I sent a certified letter to the company, again asking for the information. The signed and received the letter, but never supplied the information I asked for. Along with the certified letter, I stated that according to my records, the debt should be completed, and I would not be sending any more payments if I did not hear from them with valid proof otherwise. Several months pass, and with no warning what-so-ever, I started getting garnishments from my pay-check at work. I am now STILL attempting to contact them over the phone, and have left numerous voicemail 's with no response. XXXX time, a young lady did answer, but after I said " XXXX '', to myself ( and under my breath ), she said she was terminating the call due to abusive language. I did n't even get an opportunity to discuss anything with her. I should have the right to discuss my " supposed '' debt with the agency that is now forcefully taking my money!

Company response to consumer: Closed
Consumer complaint received 2017-02-16 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Regarding : MONEY GRAM On XX/XX/2017 at XXXX ; XXXX PST, I went to a Money Gram store to send money to my aunt in a rural town in XXXX, I sent {$100.00} Us dollars. I have the receipt and confirmation number which will be attached. My aunt XXXX lives in a rural area of XXXX, XXXX, XXXX which does not have a town market nor does she own a personal telephone. She was not given the the reference number for approximately 1.5 weeks ( because she had no access to a telephone nor ride to pick up the money ) when she was able to get a ride into the nearest town of XXXX, XXXX, XXXX. When she arrived to XXXX at the XXXX she was told the money was already picked up the same day the money was sent, at XX/XX/2017 XXXX. This was impossible since she nor anyone else had the reference # until the day she went to town. I immediatelty contacted Money Gram to make a complaint and get a refund or find out what happened to the money I tried to send my aunt to assist with her medical care. I was given a case # XXXX and was told they would do an investigation. Today XX/XX/2017 I was left a message by a XXXX at XXXX ex XXXX when I attempted several times to call back without reaching anyone or real person. I called XXXX and spoke to different staff to no avail I asked and reached a supervisor named " XXXX '' which refused to identify herself by a badge no employee number, she told me my aunt picked up the money she refused to tell me where, which, state, city or store. She told me it was Money Grams policy not to provide that information that if I wanted that info I would need to take them to court. My wife then got on the phone with XXXX and stated we felt " Money Gram '' stole this money because no one was given the access or reference number. XXXX stated your aunt picked up the money I asked her where? She then asked me where we sent it and we said XXXX and she said yes XXXX, she then asked what city and us knowing there was no store nor bank in XXXX we told her the name of the local village our aunt lives in and XXXX then said the money was picked up there in XXXX. We confirmed that she was indeed lying to us and decided to submit this report to the CFPB for assistance in obtaining our money back. Please feel free to contact us by phone or email

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
MEI Auto Finance, also know as XXXX continually reports my auto loan as delinquent. The payment in question is from XX/XX/2016. They submitted the corrections as of XX/XX/XXXX to all of the bureaus, which was temporarily corrected, but again reported the payment late and have done so for the past two months. I was advised by the agent that they realize my payment was n't late. She said the reason the payment reflects as late is because their website ( XXXX ) applied the payment to a late fee first, shorting my regular payment. I advised her that when I paid, there was no mention on their site of any late fee, or else I would have included it with my payment. I have never made a late payment to them. She said that due to the technical issue, I would need to call them to ensure it is applied correctly. I told her that sounded a bit unorthodox. I later spoke with another agent, who advised me that there is no one there that does credit reporting for them. He said that the prior individual had left the company and that they had a new director. He acknowledged that this was certainly an erroneous marking and that he would see what he could do to resolve it. A couple of days later, we received an email from the bureaus advising us that the erroneous payment had been removed. I monitor my credit report and decided to follow up on why it had recently reported a late payment. I discovered that the late payment was back on my credit report as though it had never left. It reflects on all three bureaus. Not only did all of the bureaus update the correction, but they also restarted this nightmare for me. Please help because neither party seems to be concerned in resolving their technical issues or complying with FCRA, despite knowledge of the inaccuracy and escalations from me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T Bank set up a set of conditions making it impossible to pay off a commercial loan I had without paying a {$3100.00} fee even though the loan was sold as no pre-payment penalty after 5 years. I am only allowed to pay off this note on 12 individual days during any given year AND I have to give 60 days notice for that day. Here is an exert from the letter I sent them outlining the issue. ; I received a payoff letter from you on Loan # .... dated XX/XX/XXXX for an upcoming closing on the subject property. On that letter was a fee marked " Other Funds Due '' totaling {$3100.00}. I am disputing this charge and request that it be removed prior to my closing on XX/XX/XXXX. I was told in a phone conversation on XX/XX/XXXX that if I closed after XX/XX/XXXX, thereby satisfying the 60 day notice requirement, there would be NO PENALTY. This new charge did not appear on the previous payoff letter and was never mentioned during that lengthy conversation with several bank officials. 
To evoke a " 60 day notice '' clause AND a " close on one particular day '' clause is completely unreasonable and probably undoable. The closing date is mostly dictated by the buyer. To be able to predict 60 days PRIOR that we will be able to coordinate buyer 's attorney, bank attorney, seller 's attorney, title company, buyer, and seller to all be available on one particular day 60 days forward is ridiculous at best and certainly highly unlikely to be attained. 
I also feel this is tantamount to usury, robbery, and using a license to steal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 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 have been scam on a XXXX scam. I was selling my guitar for {$200.00}. A person contacted me said his name was XXXX and wanted buy my guitar. He sent me a Cashiers Check for {$1400.00} saying the extra money was for his movers. He requested I send the extra money {$1200.00} to his movers via XXXX. He had me send it to XXXX Maryland XXXX. XXXX number he was texting me on is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OR

Complaint narrative:
was issued a check via mail, to deposit into account for a sale made through internet- the check cleared - on request have a XXXX made for amount of fee to be sent to XXXX party. - on doing so ( XXXX XXXX Me ), the purchasing party pulled/ declined payment on their check - taking from my account amount paid out on money gram.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
My son was talking to this man, XXXX XXXX XXXX, on the internet who was claiming to sell sneakers on the internet. He had a XXXX profile and group. My son and him established a relationship. The man had people send money to my son 's XXXX account, so then when my son had this money in his account that was n't his, the man asked him to transfer him the money via Money Gram and because the money was not my son 's we transferred the money on XXXX/XXXX/16. He asked for it to be sent to his alleged finance XXXX XXXX. Her information will also be included. This man was exposed on Friday, XXXX/XXXX/16, as being one of the biggest sneaker internet sales scammer. The XXXX people that sent my son money have or will charge him back on his XXXX Account. I 'm working with XXXX, and I will contact Money Gram during their open business hours to report all of the contact information we have on this scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: JP RECOVERY SERVICES, INC.
State: LA

Complaint narrative:
XXXX ( my family 's insurer ) pays XXXX % for any visit that is preventative or wellness related. My wife went for routine preventative procedure as me and she is being charged unwarranted medical fees because the doctor miscoded the visits. We have notified the doctor to code the visit properly and the office has not recoded and this constitutes professional negligence, something we should not pay for. The doctor 's office has now engaged a collection agency ( JR Recovery Services , Inc. ), Tel XXXX, XXXX XXXX XXXX, XXXX XXXX, Ohio to collect on a false debt and they are harassing us with letters. Please help! 

per conversation with XXXX at XXXX, on XXXX/XXXX/2016 at XXXX and am quoting her response verbatim " XXXX : It looks like our department has been actively working on getting the claims for the doctor office and the lab resubmitted. We have placed several calls to the lab and the doctor 's office requesting the doctor to resubmit the claim with a well visit code, however we have not yet received any corrected claims.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I applied for a refinance through M & T Bank. Everything went well till they stopped complete communication with me. The last email i received was one stating that everything was good and that we should be closing within 24 days approximately. As of today, I have not been provided with anything in writing, other than emails as to why they are denying my refinance. According to emails, they claim that the value of my home is too low, but i would think they would have known this since the very beginning. They charged me {$780.00}. I feel that i was mislead since they were the ones that insisted for me to refinance. They are my current mortgage lender, so I think them being in this business would have known that my home would not qualify. I currently owe about {$190000.00} and value came in at {$290000.00} which i also questioned since most homes in my area are currently for sale at {$350000.00} prox. I sent our original loan officer 4 emails asking for status and never received a response from him. I had to request management who finally reached out to me, but never received any assistance and just proceeded with denying my application. Not sure if i have a case or not. But, after researching them online it appears that they have been sued in the past due to overcharging customers. they also have very negative reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
M & T bank inherited my mortgage from XXXX on XXXX the time of the takeover, I had a modification agreement with XXXX to pay {$1600.00} per month.I was led to believe that this agreement continued with M & T and paid timely per month.On XXXX/XXXX/15 M & T sent a letter indicating that they were holding {$13000.00} of unapplied funds for me.This was later followed by another letter on XXXX/XXXX/15 indicating that {$15000.00} was past due.The letter further indicated that they were refusing my XXXX payment of {$1600.00} and stated that they were starting foreclosure proceedings.I have been making unsuccessful attempts ever since to resolve this matter with them.They have refused my payments and my house is schedule for a sheriff sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: JP RECOVERY SERVICES, INC.
State: FL

Complaint narrative:
This company has been calling me several times a day and harassing me about a dept that I discussed with the hospital that they sent to collection anyway. I get several calls a day in spite of any arrangements that I have XXXX with the reps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-14 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:
Dear Sirs in XXXX when the economy crashed, I was advised because of lack of work to file Bankruptcy. I held out until XXXX. 
In XXXX All credit was taken away and I had an Equity Line of credit ( Heloc ) and used XXXX, I went bankrupt and discharged all debt in XXXX. I was then advised that even though It was discharged I still owed the money because of the equity in my home. I am willing to pay the XXXX, through refinance but no one will let me due to the lien. Ocwen tried to foreclose, I hired a lawyer to stop them and paid XXXX to do that. Now Ocwen is foreclosing again while adding XXXX to the original bill. They will not communicate and when you call you get XXXX. I feel the first Lawyer made mistakes and the Second Lawyer bait and switched me.I am aXXXX year old man living on Social Security and my only nest egg is my condo. Can you help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
I had a second mortgage with Ocwen and in 2012 I filed a Chapter XXXX Bankruptcy. During the Bankruptcy they continued to report negative and inaccurate information stating that I was over 150 day past due, which is against the bankruptcy laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: ID

Complaint narrative:
We have already filed a complaint against Ocwen and altisource. # XXXX. We have just found out from a XXXX XXXX our mortgage with Ocwen was closed with XXXX balance XXXX 2014. If that was the case how could Ocwen offer a modification with a falsified appraisal from XXXX? We have sent all this info on to Senator XXXX XXXX. This mortgage was a securitized/ robo signed paper trail. Ocwen attorney as of last month told our attorney our case was closed. this was right after we contacted the U.S. consumer protection and other parties. Someone is trying to pull a fast one. In our story we have been stateing our property has been damaged by rock pit operations. in Idaho there are NO LAWS to protect us from the blasting damages. As of this last month we won the court case with the county that the blasting devalued and damaged our property. The judgement set the value at XXXX XXXX other appraisals were at the same amounts including XXXX Idaho state property tax appeals rulings and wins. After Ocwen couldnt find a appraiser that would match their value they hired XXXX. XXXX value was exactly what the modification was offered, without even looking at the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
This property has been in and out of foreclosure since 2010. Because of this, the owners refuse to pay any of their HOA dues and/or maintain the property - citing that its the banks problem. They still live there and owe over $ XXXX. There are now holes in the side of the home and the property is a complete eyesore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
The mortgage in question was foreclosed on in 2013. This just happens to be the time where my identity was stolen and I could not use my credit to secure refinance. Anyhow, Ocwen mortgage is reporting to XXXX that the payment status is " LATE '' while reporting a XXXX balance, today. I have been denied credit based on this late status and would like to pursue damages in court. I have contacted Ocwen several times verbally and in writing and all attempts have failed. Here is the stupidity of the matter, on XXXX they are reporting me paid in the exact same column that they are reporting and defending on the XXXX report as late?!?!?! One way or the other they are wrong at least on one report! The credit bureaus are useless and claim to report what they are given regardless of any fault or error, they simply report no matter what. This has adversely affected my life and my future. I want the status of the report to be paid as it is on the other bureaus and I would like a list of attorneys skilled in this matter. The account number is XXXX, this is all I have. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Paid OCWEN mortgage payments based on last statement received ( and on website ) XX/XX/XXXX stating the XX/XX/XXXX payment due. Payments commenced on XX/XX/XXXX, with a total of XXXX payments made. Now we are getting generic statements saying we owe differing amounts every month. Yet the website states we owe for the XX/XX/XXXX payment and are in the arears for {$9900.00}. Monthly payment is {$870.00}. Even if I am behind, since XX/XX/XXXX which I do n't believe I am the total past due is {$3500.00}. This is a far cry from {$9900.00} they say I 'm in arrears. Also sent a RESPA request to OCWEN in XX/XX/XXXX, certified letter, with a signed receipt and still have not heard from OCWEN. 
Looking at their accounting of our payments, it shows reversed payments, the suspense payments being made. When calls are placed to customer service dept, you never get the same answer twice from OCWEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
Hello, my name is XXXX XXXX. This is part of complaint # XXXX. 
My complaint is actually regarding Ocwen and XXXX XXXX, Ocwen for slandering my credit since XXXX and preventing me from aquiring an auto loan, high insurance rates and lowered Fico score. Ocwen has offered no information regarding the source of the {$99000.00} debt that was reported as LATE on XXXX report and UNKNOWN payment status on another. XXXX account number ( XXXX I have never seen nor has any relation to a loan or credit card ) and XXXX reports ... XXXX for a credit card and XXXX for a real estate loan. I asked for the proof and received nothing except that this was acquired by another debt collector in XXXX. I want to know who the original creditor was and an explanation for this balance. I have damages from this, I did not scroll far enough down on my reports last year to view this unfortunately. 
I have no idea where they came up with a XXXX balance. I assume it has something to do with a deficiency balance, however, all was discharged in bankruptcy in XXXX. Also, I was never at any time aware of any {$99000.00} debt nor contacted at all. My property was in Arizona, it was a non judicial foreclosure and deficiencies are not allowed with the type of property I had. Ocwen had no business in this continuation of harm. Enough is enough and if they are doing this to me I think many people need to be warned so they can check their reports. Please stop these barnacles. 
I will file another complaint regarding XXXX XXXX, I think it is more efficient to separate them although they are related. Thank you.

Company response to consumer: Closed with explanation