vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cooper Hoffman Klein Associates
State: TX

Complaint narrative:
Cooper, Hoffman, Klein and Associates contacts me multiple times a day leaving threatening voicemails regarding debts and bank accounts I have never had and do not owe on. Every call that is made, a different case number is given. When I contacted the company, I was threatened with legal action and prison if I did not pay although the representative threatening me can not supply any evidence of a debt owed. When asked for address to come to the company to discuss, I am given the run around. Representatives of this company have contacted me falsifying themselves as actual XXXX XXXX Process Servers stating that they are employed by the XXXX XXXX Police Department. Each time this company calls, it is under a different phone number with a different representative, with a different case number regarding a variance of criminal offenses that I have not committed. This company has threatened to garnish my wages, sue me, come to my home, and have me sent to prison. All searches for this company only show as being a fraudulent company attempting to squander money from innocent people where it is not due. Cooper, Hoffman, Klein, and Associates do not have a website. They are not affiliated with XXXX. They are a complete scam and do not stop harassment at any cost.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
An assignment of deed of trust was filed in XXXX County land records office in XXXX XXXX. The document was signed by XXXX XXXX as Assistant Secretary of XXXX XXXX XXXX, formally known as Option One Mortgage Corporation. Since XX/XX/XXXX, we have been asking American Home Mortgage Servicing XXXX Inc, now known as Homeward Residential, to provide evidence that XXXX XXXX XXXX, NA as trustee for Option One Mortgage Loan Trust XXXX was the owner of the note. Each time they sent us a copy of the note, it never included an allonge. But in XXXX, AHMSI presented an allonge that was blank and a later allonge that was stamped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Ocwen issued a Notice of Default, through XXXX XXXX XXXX XXXX, without granting the " In Person Meet and Confer '' provided by the WA State Foreclosure Fairness Act. I have made XXXX formal requests for the meeting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
Debt collector XXXX, as trustee for XXXX XXXX, Asset Back Certificates, Series XXXX ; is attempting to collect on a stale, alleged debt which is more than 3 years past the Statute of Limitations. OCWEN alleging itself to be a mortgage servicer, who is in fact a non bank creditor, is attempting to file suit, to obtain the home of the consumer which was obtained for personal family household uses. Both parties were served a notice of dispute pursuant to the Fair Debt Collections and Practices Act, both parties have either not responded or not properly responded. They have within 5 days of the receipt of this complaint to respond per request of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Recovery Corporation
State: TN

Complaint narrative:
i recently pulled my credit report and discovered that this company has placed this item on my credit report. I was never notified that I owed them a debt and therefore my rights under the FDCPA were violated. I was not allowed to request validation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: HW Holding, Inc
State: GA

Complaint narrative:
Mail company stating do not call work number. Also, call them to stated to not call work number. They still calling my work number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Ocwen has taken several payments and took over 3 months to refund them they take more than the payment due each month and then call multiple times telling me i am not current i have contacted managers and no response i have had over XXXX issues with this company and no resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Emmett L. Goodman, Jr., LLC
State: GA

Complaint narrative:
Someone has the same name and birthdate as me- they are using my address to run up debt. Our social security numbers are not the same- the debt is not mine. I get calls all the time and now I received a settlement letter from Emmett L. Goodman Jr, LLC out of XXXX representing XXXX XXXX XXXX as assignee and purchaser of XXXX XXXX , XXXX and Co. When I try to dispute the information they claim name, address and birthdate are the same- it has to be mine- even though last XXXX of social are NOT the same. I do n't know how to fix this and the Goodman office wo n't do anything. If its not me- then this is harassment. I have great credit and have worked hard to keep it up- I am an upstanding citizen in my community and I find it very stressful- the calls and letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
My mortgage is currently being serviced by Ocwen and we have been trying to modify our mortgage with them for XXXX plus days now. The reason for the modification request is that our Ocwen loan was previously an interest only arm and was reset to a 20 year amortization starting on XXXX XXXX XXXX. My mortgage payment went from {$880.00} to $ XXXX+ dollars ...., just based on the amortization rescheduling. This has put a tremendous financial hardship on my family which we are trying to work through .... ( currently working XXXX jobs to cover the extra monthly payment ) We were notified in late XX/XX/XXXX on the change and by XXXX XXXX had submitted and application for modification. From that time on, it has been a weekly struggle regarding new items that are being ask for and/or items that are sent in, supposedly cleared ( confirmed by " relationship mgr '' ) then asked for a few weeks later as if nothing was ever reviewed. Multiple requests with multiple customer service individuals to escalate to a manager or someone to help explain goes ignored and put in " comment '' screens with no return calls for 3 months ... only being allowed to speak to the " relationship manager. '' Having bad service is one thing, but the incompetence of this is so bad it, ... it almost feels like there is a strategy behind this process. ( I have been sending in information to them since XXXX XXXX XXXX, XXXX or XXXX complete list of items have been sent in ) I have also been told that this reconditioning of items is just the beginning and my loan file has not even been sent to an underwriter for full approval which is baffling to me since a property valuation was done XX/XX/XXXX or XX/XX/XXXX ... Financials, disclosures and all sorts of letters of explanation have been submitted for 2 months .... ( We also get confusing information requests in the mail asking for things from 2 months ago that our relationship mgr tells us to ignore since we have already submitted it .... ) We are not asking for any special treatment, just wanting our mortgage servicer to be anything but atrocious at this point. Our mortgage history has been perfect for almost 10 years, even through some pretty rough personal issues. ( One being that we got the first modification in XX/XX/XXXX and had to basically rebuild our house during the XXXX XXXX XXXX. ) We are extremely frustrated with Ocwen 's ability to work through this on their own and feel " trapped '' with limited options based on how Ocwen has treated us so far. 
sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting negatively on my credit report XXXX XXXX XXXX is reporting negatively on my credit report and I was n't aware of the reporting until I checked my credit report and saw it. I have n't received any type of bill or notification of the past due amount but yet the company felt the need to report it negatively on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Suburban Credit Corporation
State: VA

Complaint narrative:
THIS DEBT WAS PAID BY THE VIRGINIA CRIMINAL COMPENSATION FUND TEL:XXXX

Company response to consumer: Closed
Consumer complaint received 2016-08-22 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WI

Complaint narrative:
I received an unsolicited call from an XXXX sounding man stating that my internet security company is now out of business and wants to refund the amount I paid. After much information was exchanged he requested that I allow him access to my computer to see what banking deposit info was needed to refund my money. After that he told me that he had input the wrong amount and he would lose his job if I did n't refund him back the extra amount he had deposited in my account. I went to the bank and had the deposit confirmed and withdrew the extra amount and sent it to him via MoneyGram which he gave me info for. He said send to country of XXXX to person named XXXX XXXX. After some second thoughts and checking with my bank I found that he had transferred money from XXXX of my other accounts into the one he said he was depositing my refund to. I also then checked and found my supporting internet company was not out of business and stated I was definitely scammed. Now I am searching for a way to reclaim my money and prosecute the perpetrator, and am working with local police, MoneyGram my bank and credit card companies of which he has also fraudulently obtained money. You can request any more information you may need by e-mailing me at : XXXXXXXXXXXX or calling my phone and/or leave message at XXXX Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I called MoneyGram on XXXX/XXXX/2016 in reference to transaction # XXXX to ensure that their would be no problems with the money transfer due to previous denials of transfers. I was told that the transaction would n't be denied, however ; it was denied after funds were sent. MoneyGram will not provide information to why the funds transfer was denied and MoneyGram will not immediate refund the money so that I could use another service to send the money. MoneyGram holds the funds for up to one week which causes a financial hardship for the customer and the recipient which further delays the necessity of the transfer of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Law Offices of Benjamin Woo
State: CA

Complaint narrative:
I purchased a vehicle from XXXX XXXX in XX/XX/XXXX. I paid XXXX XXXX {$2500.00} as down payment and leased the vehicle from XXXX XXXX. Some time in the future, I was involved in an accident and the vehicle was totaled. I had thought I purchased gap insure but was advised I did not. XXXX XXXX gave the outstanding of approximately {$9000.00} to XXXX XXXX who garnished my wages at the time until the debt was paid in full. Sometime in XX/XX/XXXX, I was served documents to go to court from another attorney who advises I owe his client XXXX which purchased the {$2500.00} Debt from XXXX of XXXX ( who had filed Bankruptcy a while back ) that they have a court judgment asking for approx. $ XXXX. I have had communication with the attorney and we came to a settlement of {$4000.00}, however, I have advised him that this debt is untrue and have asked for verification. He has not responded period and is unable to verify the debt. In fact, he stated that he only knows what the client has stated and that I owe this money. The attorney has threatened my business and to subpoena all my investors and I did not want this embarrassment and agreed to a settlement. I am reconsidering my position and would like verification of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: WA

Complaint narrative:
Receive continues calls from Professional Bureau Collections of Maryland. I told them I could pay off the debt in XXXX because I was XXXX from the XXXX. They keep checking how much I have on my credit cards and telling me to barrow money. Today at XXXX and XX/XX/XXXX I informed them that I could pay it off in XXXX once I receive my final check. I am constantly being harassed by them and I have not refused to pay at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XXXX/XXXX/16, I went to the ATM located at the M & T bank at XXXX XXXX XXXX XXXX, XXXX, VA around XXXX. I use this ATM on a regular basis usually every other Thursday when my payroll has been directly deposited into my account. I attempted to get {$310.00} from the machine. The ATM made a long grinding noise and did not complete my transaction. No monies were dispersed to me. I left and went to work. I checked my online account for verification that my account was not debited. However, my account had been debited for the {$310.00}. I immediately contacted M & T bank to inform them of the situation as well as the branch where the ATM is located. M & T bank issued me a provisional credit of {$310.00} pending their investigation. I received a letter from M & T bank dated XXXX/XXXX/16 informing me that they determined that the transaction in question was processed correctly and no error had occurred and they were denying my claim. They then erroneously reversed the provisional credit of {$310.00} on XXXX/XXXX/16. I immediately contacted M & T regarding this matter and they informed me that I could submit a letter requesting that they re-open the investigation, which I drafted and faxed to them on XXXX/XXXX/16. As I informed them in my letter they should pull the film and look at it and they will see that no monies was dispersed to me when I was at the ATM on XXXX/XXXX/16. M & T bank wrongly debited my account for {$310.00} and I want my money to be correctly returned to my bank account. My payroll check is directly deposited into my account every other Thursday and a deposit was made on XXXX/XXXX/16 so there was no issue with the funds being available. Given my stellar banking relationship with M & T bank which spans approximately 20 years I strongly disapprove of their handling of this matter. This makes me very uneasy as a consumer that a banking institution can incorrectly take monies from my account. No monies were dispersed to me from the ATM on XXXX/XXXX/16 and M & T bank wrongly took monies from my account. I want and need my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I noticed this debt on my credit report. The debt is XXXX and the company is forcing me to pay a much larger amount. They refuse to offer me a settlement when I am trying to make good on this debt.

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 2015-05-19 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
About a month ago, a XXXX analyst from M & T called to verify my identity. The rep swiftly gave out my entire SSN, DOB, and XXXX without my permission. Not long after there was fraud on my debit card, and prior to the transaction posting i called M & T to advise them. They placed a fraud status on my debit card, and assured me my auto billing would still go through, i would receive a card quickly, and the credits would appear quickly. A week later- no card, no credit, billing was declined. I called on XXXX different occassions and was told " no card since you are overlimit due to fraud '' - which makes no sense. Then they said they are allowed to wait 10 days to post a credit so they are waiting 10 days. Manager after manager failed to be helpful and provide a reasonable solution for me to access my checking account. I was told it was not their problem with my bills being declined, and they refused to give out the Executive office phone number. They allowed me to go almost 10 days from the reported fraud to send a card and provide a provisional credit, and only when prompted did they apologize. To add insult to injury, i jsut received a letter from them stating " Let us manage your account '' and inside it informed me that i was over my credit limit- which was due to fraud!!! Such a terrible experience for a customer from over 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
This debt was discharged in a chapter XXXX bankruptcy, however the collection company does not own the debt, and they continue to report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
My home was reposessed on XXXX/XXXX/2013, by M & T bank out of XXXX NY.XXXX after years of stalling. by M & T Bank non help on refinancing my loan, they kept asking for the some old paperwork over and over till they foreclosed.can you look into this Company for lapse in judgement, to help struggling home owner

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I did a debt validations and they fail to provide me with proof that I owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX 2016 I sent {$910.00} to my little brother XXXX XXXX for the family at Walmart on XXXX XXXX XXXX Ohio, the reference number given to me read error ( unable to look up reference number, transaction can not be received now, have customer contact moneygram..Ac error XXXX ) but moneygram system was reading that the money has been picked up which is not TRUE!!! 
I contacted moneygram over here ( CASE NUMBER..CRM XXXX ) ... .but all they keep saying they looking into it ... they have n't gotten back to me for once to tell me how the issue is being dealt it..now all I want is for moneygram to solve the issue by making sure my recipient has received the money since I was charged for their services ..so they need to hold their end of the contract and deliver the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Suburban Credit Corporation
State: VA

Complaint narrative:
Continued phone calls and now letter from Suburban Credit Corrp. of XXXX, VA, to collect a medical debt THAT I DO NOT OWE.

Company response to consumer: Closed