vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MD

Complaint narrative:
In XXXX XXXX, American Medical Collection Agency ( AMCA ) reported to XXXX Credit Report Agency an amount due of $ XXXX for an invoice from XXXX XXXX XXXX 

This amount was a billing error on XXXX 's part. They submitted the invoice to the wrong address for my insurance company, and when they resubmitted it, they failed to include necessary information. They continued to bill me in excess of {$900.00} for these services instead of billing me the reduced amount agreed to and contracted with my insurance company. 

It took me months to have them correct the invoice. I began communicating with XXXX at XXXX in XXXX XXXX, but the amount was not corrected until XXXX. During this time, XXXX XXXX told me that a removal of the disputed item from my credit report was impossible without rebilling my insurance company and starting over. XXXX eventually acknowledged their errors and reduced my invoice on XXXX/XXXX/XXXX to the correct amount of {$35.00}, and I promptly paid. 

I called AMCA on XXXX and spoke to XXXX, who said it was their policy to remove the item from Transunion within 45 days. I advised XXXX this was not a PAID bill issue ; it was an INCORRECT reporting issue from XXXX. She agreed and stated the company policy of a 10 business day period to remove the item from my credit. I confirmed that the item should not be marked as PAID, but should be completely REMOVED from my report. 

As of XXXX, the item was still on my XXXX report. I called AMCA and XXXX apologized and said she would investigate. As of today 's XXXX/XXXX/XXXX XXXX update, this item still appears as {$910.00}. 

Reporting a false amount to a credit reporting agency is a violation of the Fair Credit Reporting Act. I believe that XXXX XXXX as well as AMCA both violated this act. 

Today I will contact Transunion to begin a dispute process. 

For your information, there are XXXX complaints on the Better Business Bureau against AMCA for unfair billing practices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Business & Professional Collection Service Inc
State: NV

Complaint narrative:
XXXX XXXX XXXX sent my account for {$240.00} to collection without notifying me they would do so. In fact, I paid {$310.00} of an initial {$550.00} balance that I negotiated down from the original {$780.00} which proves I communicated with them. I had sent a total of five payments and had the sixth check written to go out in the mail when they sent this to Hospital Collection Services whom I also contacted to say I would fight this and their response was to simply send it to collection. XXXX XXXX XXXX have failed to show proof I requested by letter and by telephone that they sent me XXXX consecutive statements of any sort of warning that I would be sent to collection. I had an array of hospital bills for this visit in 2013 and paid them all off ... .some of which were much larger. These included XXXX, XXXX XXXX, XXXX 's hospital, etc. Why would I ignore such a small bill when I paid all the other 's? Neither company was willing to work with me when I telephoned, sent letters, and after repeated phone calls explained they would leave this in collection and not accept payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I received endless telephone calls at home and at work from Ocwen saying my mortgage payment is past due. I also received XXXX Initial Due Diligence Letters from the company saying they might initiate possible foreclosure proceeding. I arranged automatic biweekly mortgage payments with Ocwen since the inception of the loan. I never missed a loan payment. I try to understand from them why my mortgage loan payments is past due but they did not provide any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
I am lodging another complaint against Ocwen Loan Servicing , LLC because they are committing fraud, submitting fraudulent debt and loan information and pretending to be a bank, mortgage lender, etc. The Office of the Comptroller of the Currency assigned me a case number on XXXX XXXX, 2015 and transferred the complaint to the appropriate supervisory agencies which are The Consumer Financial Protection Bureau ( CFPB ) and The Mississippi Department of Banking and Consumer Finance. The Mississippi Department of Banking and Consumer Finance, State of Mississippi phone number is XXXX or XXXX ( XXXX ). However, The Mississippi Department of Banking and Consumer Finance have not contact me nor did they acknowledge that they ever received the complaint. More importantly, I did a follow-up by calling to The Mississippi Department of Banking and Consumer Finance on XXXX XXXX, 2015 to try to find out about the progress of this case. An attorney with Mississippi Department of Banking and Consumer Finance stated that they would be contacting me about this matter. However, no one from this agency has contact me.Resolution : I am seeking compensation, legal responsibility fees, indemnity fees, pain and suffering fees and other legal remedies from Ocwen Loan Servicing , LLC because they are acting as a bank, mortgage and finance company, lender and they are illegally operating in the State of Mississippi and USA. I need The Mississippi Department of Banking and Consumer Finance to allow me to know what steps have been taken to prevent Ocwen Loan Servicing , LLC from acting as a bank, mortgage and finance company and illegally operating in the State of Mississippi. I need to now if any steps have been taken to prevent Ocwen Loan Servicing , LLC from committing fraud and operating in the State of Mississippi as a bank, mortgage company lender etc. ( See the enclosed exhibits ) Resolution : I am seeking compensation, legal responsibility fees, indemnity fees, pain and suffering fees and other legal remedies from Ocwen Loan Servicing , LLC because they are acting as a bank, mortgage and finance company, lender and they are illegally operating in the State of Mississippi and USA. I need The Mississippi Department of Banking and Consumer Finance to allow me to know what steps have been taken to prevent Ocwen Loan Servicing , LLC from acting as a bank, mortgage and finance company and illegally operating in the State of Mississippi. I need to now if any steps have been taken to prevent Ocwen Loan Servicing , LLC from committing fraud and operating in the State of Mississippi as a bank, mortgage company lender etc. ( See the enclosed exhibits )

Company response to consumer: Closed
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My mortgage was taking over by a bank in XXXX and someone reported it to the credit bureau for XXXX and I have document from the court stating it so, what can I do about it?

Company response to consumer: Closed
Consumer complaint received 2016-10-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: NV

Complaint narrative:
I chose continued attempts though no attempts to contact me have recently been made. But this seemed the most fitting for my situation. I have recently been monitoring my credit on XXXX and I see this debt on my report. I was contacted about damages to the apartment I stayed in after I moved out from the manager. I made a payment and to my knowledge I paid the amount due from verbal conversation through the supervisor at the time, XXXX. So, I recall paying the full amount that was due. I believe it was paid online.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
I signed up to check all XXXX credit reporting bureaus on the " Score Since '' website on XXXX XXXX XXXX. On XXXX and XXXX I noticed a negative report that I was n't notified of by phone or mail on this negative account. It was reported to both credit reporting as being Reported Since XX/XX/XXXX Date of Status XXXX/XXXX/XXXX Last Reported on ) @ XX/XX/XXXX for the amount of {$570.00} Terms 1 month. Reported from Kansas Counselors Inc. XXXX. XXXX XXXX XXXX XXXX, KS. XXXX # XXXX. I have never received a statement by phone or mail. I have resided at the same residence for 6 years XXXX XXXX and the same phone number. I called K.C.Inc. on XXXX XXXX to file a dispute with them was told " I could n't file a dispute '' ... '' I might as well just pay it '' ... '' who pays my bills? " .... It was a very humiliating and demeaning response!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
My mother and I purchased a home together. My mom got sick and was XXXX. We fell behind on our mortgage. We have tried to save our home by trying to get trying to get a modification with no avail. When we first started trying to modify, XXXX XXXX XXXX had the Mortgage. I faxed all the forms and necessary documentation to them at least 15 to 20 times and was always told they did not receive the faxes I sent, even though I had the fax confirmation sheets. I finally took all my forms and documents to the XXXX XXXX XXXX Branch that I got the mortgage from and provided them with the fax # and they faxed it for me. ( XXXX-then said they received the fax. ) They were about to do a trial modification in " I believe XX/XX/XXXX " per a phone conversation I had with one of there Customer Service Representative at the XXXX phone #. About a week later, I received a letter from XXXX stating they will be putting my mortgage with a company called OCWEN. I called XXXX and OCWEN and was told that I will have to start the modification process all over again. ( I started the modification process in XX/XX/XXXX. ) I did just that and OCWEN also started off with saying they were not receiving my faxes. In the mean time to save my home, I had to file Bankruptcy, Chapter XXXX. I paid on the Bankruptcy for about 18 months in the about of over {$38000.00}. The bankruptcy court dismissed the case because I did n't make enough money to make the entire payment every month. The whole time the home was in Bankruptcy, I was still trying to get a modification and also XXXX Grant that was available XX/XX/XXXX to help people that were having trouble and facing forcelosre. I have actively tried constantly to get this situation resolved and have not been able to. OCWEN would say that I made to much money or not enough money to qualify and my income did not ever vary.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
On XXXX XXXX, 2015 at XXXX, I contacted Owen Loan Servicing in reference to my account. I spoke with XXXX XXXX XXXX and asked about some documents that were being requested ( Form XXXX ). The complete package has been faxed over twice and the form XXXX was faxed along with the package. It is very difficult to get assistance when calling to the company because not one understands or speak English well. Ocwen continue to ask for the same documents repeatedly although the package has been sent twice.

Company response to consumer: Closed
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Attempted to work with Ocwen Loan Servicing for a loan modification while on XXXX due to injury at work. Months in, i have sent every shred of evidence that i have and they keep playing games. They will never accept it and now the window is closing in 3 days. I even got a letter from work and still nothing is good enough. Every rep that call does 0 homework and reads off the same script every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc
State: FL

Complaint narrative:
The bill should only be XXXX. XXXX in XXXX, FL stated a payment was late and added a {$50.00} late charge. DO Not Let Your Kids move in those apartments. This is a bad place for students to live. Please have them to give you a detail of payments from my son account. Never late paid 4 months in advance. I tried for 3 months to speak with someone in management. This is 3 hour away from where I live. I never received a call back. They have students running there office. I will pay the amount that is owe of {$92.00}. I have a credit score of XXXX it dropped toXXXX do to this. Please remove off my credit until this dispute is settle. You should look into XXXX adding extra on each bill. Please look into this matter so that I can settle it once and for all! Thank you for your time!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: First Associates Loan Servicing LLC
State: MA

Complaint narrative:
I attended XXXX XXXX in XXXX MA. Now I have Federal and Private Loans. The Federal I was able to consilidate XXXX loans into 1. But I still have XXXX private loans each with large interest rates. I 'm struggling to pay these debt off now.

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 explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
1. county taxes went up. 
2. insurance went up. 

escrowed mortgage payments went DOWN (??? ), and since I 've dealt with ocwen they have yet to actually service my mortgage, I service my mortgage through ocwen who tries to steal my home by hook or by crook. 

PLEASE SHUT OCWEN DOWN. 

I 've submitted an escrow analysis, but without help from CFPD & the states attorney general, I 'm dead in the water. ( meaning I have n't the 40+ hours in a month for XXXX XXXX XXXX & the fear of losing my house & incompetent service representatives. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Loss job and was unable to pay mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
Did not get my sky miles

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Ocwen has taken excessive amount of time issue a modification. We 've been told clients are approved but have yet to receive the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I recently missed a lot of work over the past 4 months due to XXXX and other Medical issues. 
At the time I missed I had no PTO ( Paid Time Off ) and could not get FMLA approved. 
So I felt as if the only thing to do is take out XXXX payday loans with XXXX different Institutions. 
Due to the fact that I am in a Chapter XXXX, with only 7 Months to go things could go really bad for me. 
I could be evicted if my rent is not paid and at XXXX become homeless for I have no family or friends that can help me. 
The first was Advanvced Financial for {$1600.00}. 
They charge % 279.50 APR. My payments are XXXX per paycheck ( bi-weekly ). 
The second was with XXXX ( XXXX XXXX XXXX ) This place charges % 519.22 APR. There was also a finance charge of {$860.00}. 
The loan was for {$1200.00} the payoff is {$5000.00}. 
They will be taking {$250.00} out of every check ( bi-weekly ). 
With my current rent, utilities, gas, groceries, Insurance ext .... 
There is no way that I will be able to make the money to pay what they are asking. 
I have a meeting tomorrow XXXX/XXXX/2016 at XXXX with my Chapter XXXX Attorneys. 
If they can not help me I do not know what I will do. 
If there is any way that you can help I would greatly appreciate it. 

Thank You, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Union Adjustment Company, Inc.
State: ID

Complaint narrative:
I am exempt under the federal laws protecting XXXX veterans. This company had a change to collect the fees for the hospital bills via my VA XXXX Veterans Administration XXXX health insurance and it did not provide enough information to the VA in a timely manner and now they are trying to collect from me and ruining my personal credit, even though I am exempt from their levy 's and liens and process thereof. I sent them the Federal laws, Title 38 Part IV chapter 53 section 5301a, b, c, d and they still continue to harass me by not stopping the collection procedures. They know that they can never collect this debt, but they said that they would continue to report and collect until someday I pay, they say it is a debt my kids will have to pay. I gave the hospital personnel all the information I had on me at the time and the information I had access to at the time. They seem to think I can call the VA and make them pay. I can not do that and I told them many times. I think this is a third-party debt from one of the doctors and he did not collect from the VA properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NV

Complaint narrative:
American Medical phone # XXXX calls every single day Monday through Friday at all times of the day for the last 3 months. They have been demanding payment for a {$25.00} debt from an unknown medical expense. They refuse to provide any information or details describing the debt e.g. date of debt, company owed, and for what services. American Medical has refused to send any documentation of the debt in writing to me. They have refused to provide any information about their company. I do not feel safe with providing anyone my personal credit card information or making a payment without knowing who I 'm sending it to and what I 'm paying for. 

I have never left any debt unpaid to avoid hurting my credit, therefore I need information of the debt to avoid paying a debt that I already paid for, or paying for a debt charged to me by mistake. If that is the case, I wish to dispute any wrongfully charged debts. 

I have requested for them XXXX different times to stop the harassing phone calls, and they have continued to call everyday. The last representative 's name was XXXX and I asked her to remove me again from their calling list. I have photo documentation of all the calls they have made to my phone. 

I would like the harassing phone calls to stop immediately. They have been disrupting me while in school or while still sleeping.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
I have transferred funds to XXXX using Remitly. I used their EXPRESS Service which promises to transfer funds immediately. As promised funds have been transferred Immediately but at the same time they were Reversed the very next minute. When I contacted Remitly about this, they speak so negligently that its not their fault, its a issue with bank in XXXX and Remitly says that its job is done. Are they kidding.? How is their job done without completing the deposit? They say they are not sure of when funds are available.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commercial Acceptance Company
State: TX

Complaint narrative:
This debt collecting agency reported this debt to XXXX credit bureau and the debt was deleted per violating the FCRA as well as I did not owe this company. They have now reported this debt to another credit bureau without any legal rights to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Remitly, Inc.
State: WA

Complaint narrative:
We arranged with Remitly online for {$100.00} to be transferred to a family member 's bank account in the XXXX. The money was removed from our bank account but never transmitted to our family member. Remitly had vague answers over 6 days about the status of the transfer. We contacted our bank to dispute the charge and will make other financial arrangements for the transfer. We will not use Remitly again and advise anyone else to avoid this company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation