vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PR

Complaint narrative:
I was contacted by XXXX XXXX XXXX license # XXXX he said he was a lawyer representing XXXX XXXX in XXXX, XXXX XXXX and stated that my cel # was chosen as a XXXX place winner for a promo for the new dealership. I did not provide personal info, except for what he already had which was my full name and cel #, I did give them my address because he said they would deliver my prize personally. He then said that in order to complete the process they needed XXXX for license, insurance, etc via money gram. He said when I receive the car I was to give him the Money Gram receipt that contained the reference # so the money could be claimed ; when I filled out the Money Gram it was sent to a woman named XXXX XXXX in XXXX, RI whom he said was the promoter for the dealership. According to Money Gram 's website when a person picks up money sent to them, they are to provide a valid ID and the reference #. I never provided anyone with a reference #. So, an hour after realizing this was all a sham I went back to the Money Gram store where I made the transaction to request a refund, but the money was already claimed. The woman at the counter told me that not all Money Gram stores are alike, some do n't need the reference # in order to pick up money, they only need the name, tel # and $ $ to claim it. So, I contacted Money Gram I made a complaint and the only info they could provide me was with the city and state where it was claimed and that I had to file a claim at my local police station and that they will provide the police with all the information requested. I need help in stopping this sort of thing happening to someone else and have all Money Gram stores change their policies to have everyone picking up money to provide a reference # in addition to a valid ID like a license or passport. Thanks in advance for info or help provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 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: Kelsting Group, Inc.
State: CA

Complaint narrative:
I received a notice from Credit Bureau Associates ( CBA ) on XXXX XXXX, 2015 regarding a debt that is not mine ( {$3000.00} ). I checked my credit score, and it already had shown the negative mark for this debt. This is the first time I had heard of the debt. The debt is not mine, and I had no knowledge of the debt or the service prior to the letter from CBA. The letter references a XXXX XXXX, in XXXX CA, which I had never heard of. I first called the Federal Trade Commission ( FTC ) to find out what to do. They said to dispute the debt, and that the company would have to produce evidence within 5 days, or I could file a complaint. I called CBA on XXXX XXXX, and no one answered, so I left a message, with details and disputed the debt. XXXX XXXX ( from XXXX ) returned by call on XXXX XXXX, at approximately XXXX ( the call was recorded by CBA ). I confirmed my dispute of the debt, and requested their evidence. XXXX said that their evidence was from DMV, and that it would be sent to me within 5-10 business days. I told her that I expected it in 5 days, because that is what I understood to be the law. I confirmed my current address and phone number to CBA on that call. Since that time I have received, or heard, nothing from CBA. I sent a letter to CBA on XXXX/XXXX/15 describing the above, and again requesting evidence of the debt. 
I also called XXXX XXXX, in XXXX CA, on XXXX XXXX, regarding this notice. They said that they had sent all of their files regarding this account to CBA, and that they would call CBA on the same day and get back to me. They said that it would be faster for them to contact CBA, and hear back, then it would be for me. They said that their evidence was from DMV that I owned an XXXX Suzuki motorcycle that they had towed and still had in their possession. I have never owned an XXXX Suzuki motorcycle, never had a motorcycle towed, and never heard of their company, and I told them that. I called XXXX XXXX two days later to follow up. I never heard back from XXXX XXXX either. I sent them a letter on XXXX/XXXX/15, describing the above, and disputing the debt and requesting evidence.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
My wife and I walked into the XXXX XXXX M & T Bank branch in XXXX XXXX, XXXX NY to close all of our M & T accounts on file ( for myself and my wife ). We clearly stated our intentions to close all accounts and move on from this bank. After a half hour or so, we had exchanged cash where applicable in order to zero out each of our XXXX accounts. The banker told us we were completely closed out. We left the branch that day under the impression all accounts were closed per our discussion with the bank rep whose name is XXXX. A few weeks later we discover my wife 's " overdraft line of credit '' was in fact left open ( against our wishes ) and was now showing a negative balance of XXXX {$60.00}. The banker only actually closed XXXX out of XXXX of our accounts ( left my wife 's " overdraft protection '' line of credit open, even though the checking account it was linked to was closed ). So we immediately call the branch and we 're initially told its not possible to close the line of credit without coming into the branch. My wife explained to the rep its extremely difficult for us to come to this branch as its not close to our residence. Finally the rep says she will close the account and mail us a bill for the remaining balance on the account ( telling us that they waived a late fee ). 3 weeks go by and we do n't receive anything so we call again. This time we speak with a third rep who tells my wife to mail in a check for XXXX {$30.00} which will close out the account and we 're assured the account will actually be closed this time. We leave for a one-week vacation and when we return theres a letter from M & T Bank which is dated 3 days before our previous phone call and states that there 's an overdue balance of {$1.00} which at this point is 50 days past due and that this has been reported to credit bureaus. Sure enough we check my wife 's credit report and now see XXXX delinquent account on her report. This is the first and only delinquency on her credit report and her score has already dropped by XXXX points. We 've spoken with the branch manager named XXXX who is currently researching the issue has told us he 's not exactly sure if this is the bank 's fault and can not promise a reversal of the negative reporting to the credit bureaus. We firmly believe if the first banker ( XXXX ) had simply closed the overdraft line of credit the first time we visited the branch ( as we had asked for and assumed had happened ) there would be no issue and nothing negative to report to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA

Complaint narrative:
I was working for a man who sent me a check. I deposited the check, and he asked me to make XXXX payments to an " art supplier '' by the name of XXXX XXXX XXXX, address is XXXX XXXX XXXX XXXX # XXXX XXXX, OK XXXX. I sent her {$1500.00} and {$1200.00} through MoneyGram on Saturday, XXXX XXXX, 2015 from XXXX separate locations. The following Wednesday, XXXX XXXX, 2015, I looked at my bank account and the check that my alleged employer sent me had been returned, thus putting my bank account in the negative balance. Once that had happened, I received another check for the same amount, so I took it to the bank to see if they could call and check the validity of the check, and they called the other bank and without even providing the checks information, the other bank told my bank ( XXXX XXXX XXXX ) that it was most likely a fraudulent check. After seeing that, I went to the police department and gave the Officer all of my documents, emails, and texts. They told me this has been happening more than you would think, and that the bank should work with me so I do not have to pay for the fraud. The bank submitted a dispute of the charges to MoneyGram to try and get some, if not all of the charges back. They also told me to contact MoneyGram and see if they have the information from the person that picked up the money as well. I will also upload the receipts from both MoneyGram money transfers as well as the Police 's Case #.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
City of XXXX. property tax dept. notified me of a refund for XXXX prior years available to me. I was given by the city all the steps to obtain this refund and notified M & T bank/ mortgager and obtain all needed documentation from M & T Bank and sent everything to the XXXX . Property tax revenue dept. I obtained lettered permission for the refund to be sent to me by M & T bank. Followed up to find process/and check was approved but notified that the check will no longer come to me but to M & T Bank per a petition filed by M & T Bank on their own after my petition was submitted. Per the city the check was made out to M & T Bank and has already been sent to them. The bank denies the submission of an alternate refund request and denies of any change in payee. M & T states they will keep the check and not sent it to me but place it into my escrow account and will do a 2017 review and lower my mortgage payments for just one year instead of returning the refund. The bank continues to deny why the switch happen and continues to deny any check received from the City of XXXX Revenue Dept. I have documentation of the approval letter from M & T giving the Dept. of Revenue permission to send the check to me. I believe this is a fraudulent move by the bank to obtain funds for property taxes for a period of 3 years totaling over XXXX dollars that has already been paid through my past and present mortgage payments. I suspect that I am not the only person to expeirence this bate and switch. The City of XXXX Dept. of Revenue and M & T bank are blaimiing each other for this event. Numerous calls to Bank and Dept. of Revenue for the City of XXXX. has not fix the issue above. I need assistance to get the full amount issued to me. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Hello, In XX/XX/XXXX after the fall of the Mortgage business, my second mortgage loan was charged off by the servicer XXXX due to my bankruptcy filing in XX/XX/XXXX. After being unemployed for XXXX years, I was no longer able to keep my BK payments of {$2500.00} per month and my chapter XXXX was dismissed but not prior to my unsecured debts being charged off in bankruptcy. I then request that my XXXX mortgage loan be modified by Litton Loan. However, Litton Loan Servicing company was closed down at the end of XX/XX/XXXX and my loans were transferred to Ocwen Loan Servicing. Ocwen modified my first loan and invalidated my second mortgage. I have been paying on this modified loan now for over 4 years. I am now being contacted by XXXX XXXX, a collection agency, in an attempt to collect on the charged off XXXX mortgage debt under the name of Ocwen Mortgage. Ocwen Mortgage said that they have nothing to do with that debt. I 've asked both Ocwen and the collection company for the name of the investor they are collection payment for and I can not get an answer. The leins are recorded in the name of XXXX Mortgage, the company that fund my mortgages, however they filed chapter XXXX bankruptcy in XXXX and the bankruptcy case was closed in XX/XX/XXXX. I have attempted to contact XXXX Mortgage with out any success. I have also contacted the trustee that handled the bankruptcy and they have no contact information. Through MERS I found the investor listed on my first mortgage as XXXX Bank as Trustee for XXXX Mortgage and the second was listed as XXXX XXXX XXXX for XXXX Mortgage. I contacted B of A and they could not find an active account for the second mortgage and was not able to help me any further. If the debt of the second mortgage still exhisted in the name of Ocwen, why was this not address at the time of the loan modification. I do not have proof that either Ocwen or LCS Financial has any rights to collect on my mortgages and I am asking that they prove that they have the right to collect on these debts. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: CA

Complaint narrative:
The company did not send me notification of a balance after i had completed all payment arrangements and had been cleared of my debt.They sent me a paid in full letter on XX/XX/2016 stating that i was paid off and then after reported my account to XXXX as a collection account in the amount of XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc
State: SC

Complaint narrative:
Hunter Warfield ( Collection Agency ) is attempting to collect a debt that is unknown to me. On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I received collection letters from Hunter Warfield on behalf of XXXX XXXX and XXXX. These letters were the first and only contact received by me. It appears that XXXX XXXX is attempting to collect {$430.00} and XXXX {$500.00} ) for what? I do not know. I moved out of XXXX XXXX Apartments upon proper notice ( 60 plus days prior ) on XXXX XXXX, XXXX. I began living there XX/XX/XXXX. During the signing of the lease I was offered a Surety Bond ( I assume XXXX ) it was explained to me by the employee who signed me, as a way not to pay a deposit, which was subject to be returned at the termination of my lease. However, if I were to pay {$86.00} for the bond with no expectation of refund then all I had to do was end the lease. Any damage, or other expectation would be covered by the bond. I agreed to pay for the bond. I paid my rent on time for the next three years. Then, I get these letters this month demanding payment for the above stated amounts. There was no prior written notification nor explanation for these requests. Just the collection letters with the threat of debt reporting to the national credit bureaus. 
I do not owe these people money and am requesting that they STOP these attempts of collection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
I am LIVID with Ocwen Loan Servicing. My father died XXXX leaving no Estate. My mother passed XXXX. Since there was a house and no will, I had to go through Probate which was completed about XX/XX/2015. I sent Ocwen the personal responsibility form notarized by the XXXX XXXX XXXX Probate Court naming me as the ONLY party to the Estate. I 've been trying to get Ocwen to change the mortgage to my name as deceased people can not own real property. They refuse. Any contact with them has to open with giving my ( deceased ) mother 's ssn. This is ridiculous and stirs up emotions I just do n't need. Now for the ultimate insult. I got a fat envelope from Ocwen last week ( their date XXXX ) stating I 'm in default ( 2 months when letter was created, now XXXX. It also threatens foreclosure! I know foreclosure proceedings can not begin until 4 months in arrears. I tried calling and got the typical XXXX accent which I can barely understand. After explaining everything, he said that he could n't help as he 's not my 'personal ' mortgage assistant. I could n't understand his name or employee number at the beginning of the call. It 's time Ocwen actually showed some customer service! My brother is helping with mortgage due to a financial crisis. I 'm sure we can make 1 or 2 payments before XXXX ( four months behind ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Dear XXXX, my complaint against Ocwen has XXXX issues : A ) No paper statements for several months in various episodes, B ) No online access to my account, C ) Late fees charged several times on purpose and for no reason/excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I applied for a home loan and a bunch of accounts listed on my credit report are not mine. They are only listed on Transunion and not on XXXX or XXXX. I have called Transunion 5 times and 4 times I am told that there is no record of my previous calls and 1 respondent " XXXX '' said that they sent out letters to the bank and the banks responded that the account are mine. I finally got the representative ( all in XXXX ) to transfer me to a USA representative who again responded that there is no record of my calls, but figured out that my social security number is incorrect in their system and would take 2 to 3 weeks to fix. I started this process on XXXX with them and it is always weeks away for a fix and then they claim that there again is no record of anyone calling. Can someone please help me get the numerous accounts ; which are actually in great standing, taken off of my Transunion Credit report ; so that I can buy a home? The bank says that I am paying out more than I am making on these accounts and reportedly own a few homes. I never owned a home. The Transunion people told me that I was supposed to contact the banks listed on the credit report and dispute the incorrect information with them. I called all 7 banks and they all said that I am not listed on those accounts and nothing to do with them and redirect me back to Transunion. Again, some of these accounts list {$200000.00} homes ; XXXX fully paid off and another with half of the loan paid ; no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: ND

Complaint narrative:
Ocwen failed to pay my homeowner 's insurance on time for the 2nd year in a row. 
The employees of Ocwen could not figure out which address to mail the payment to, and chose to send the payment to the " Automotive '' address. The company sent them a warning letter saying the insurance was lapsed and asking for the payment. According to the agent here in town, Ocwen called him between 5 and 9 times today trying to figure out where to send the payment to. The Automotive branch of my insurance company sent a check to my home for the payment they were sent, so I now have the funds meant to pay my lapsed insurance on hand, but have not HAD insurance because Ocwen waited until the last minute to pay it and it lapsed already. 
If Ocwen expects consumers to PAY them on time, then surely they can PAY the required bills out of the escrow funds reserved on time as well, so that I, as a home owner, do not have to chase around trying to reinstate my insurance due to NO fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 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 has be unable to provide proper documentation validating this account. 
I am seeking immediate action and for them to remove this inaccurate and negative information permanently from my credit report. I have asked for the company to send me verification of my original lease and all I have received is a copy of a lease without signatures from XX/XX/XXXX-XX/XX/XXXX. I have sent Validation Letters on XX/XX/XXXX ; and XX/XX/XXXX for this company to provide proper validation and I have yet received a response. This company has constantly called my personal phone lines and this is prohibited in the State of Texas. This account is effecting negatively on all XXXX credit reporting agencies. I have already notified all XXXX credit bureaus regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
The main issue aside from payments being applied late and incurring late charges is that I have sent OCWEN Loan Servicing LLC copies of my homeowner 's insurance policy, as had my insurance company, as has been the case in the past 13 years since having this mortgage and yet they claim they do not have proof of insurance and now have added XXXX insurance. Secondly, I have no evidence of who even owns the mortgage since it has been sold several times with no transfer documentation being furnished to me.

Company response to consumer: Closed with explanation