vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-22 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: Receivables Management Partners, LLC
State: KY

Complaint narrative:
Dsg Collect keeps calling me stating that I owe money for tuition from XXXX XXXX XXXX a former employer of mine ). I have consistently stated that I do not owe the money as the training was required for the job I had with XXXX XXXX. I finally received a letter from XXXX XXXX in XXXX 2015 stating that I did not owe any money and that any debt collection agencis have been notified that I do not owe anything. I received a call from DSG collect again XXXX XXXX, 2015. I told them again I do not owe any money and now have a letter from XXXX XXXX stating that fact. They gave me an email address to send a copy of the letter to which I did that day. I received another call from DSG collect on XXXX XXXX, 2015 stating again that I owed money. This time the person tried to tell me they were an employee of XXXX XXXX. I quickly found out it was DSG again. I told them I already sent the proof I do not own but they stated they did not have that record and that they have made a negative report to my credit rating. I asked where I could send the letter to that I do not owe and was given the same email address as before. I sent the proof that I do not owe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Goldstein, Cruise and Smith LLC
State: TN

Complaint narrative:
Started receiving calls back in XXXX stating we had an outstanding payday loan that we needed to resolve before they charged my husband with writing fradulant checks where I cut them off and told them that if it was indeed a payday loan it was not a criminal matter, it was a civil matter and do n't try to hustle me. Told them I would call them back in 24 hours and we could discuss. I still received multiple call on XXXX XXXX. Called multiple family members saying they were looking for my husband in regards to a serious matter, continue to contact my mother-n-law even though her number was put into the do not contact website because she just had a XXXX XXXX. Call from XXXX, XXXX, and XXXX numbers. Requested validation of debt on XXXX XXXX, 2015 only received an email with wording from a gmail that said we owe the debt but no proof or attachment of loan documents. XXXX a local County Clerk 's fax number and said they were a process server coming to serve my husband but I could call to make a payment to stop further action. I contacted the XXXX County Sheriff 's and Clerks office and they never heard of the process server and stated the number was a fax number she called from and calls could n't be made from it but scam artists are known to XXXX lines. I have send XXXX requests to the XXXX account requesting proof of the debt and I get no replies ; however I get voicemails left over and over again. Both on cell and work numbers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XXXX/XXXX/15, my car was vandalized and my purse was stolen out of my car, including credit cards, checks, my driver 's license etc. The incident has been reported to the police, and my insurance company. I cancelled all of my cards that day, and I notified my bank, XXXX XXXX XXXX XXXX. Please refer to attachment C for the police report, and attachment F for the report from the autoshop. 

On XXXX/XXXX/15, the thieves took out XXXX money orders with Money Gram over the internet using my license and my checking account information. This took place while I was physically at the bank. The bank immediately reversed the money, and credited it back to my account. My bank also notified Money Gram that this transaction was fraudulent on the XXXX of XXXX. 
Please see attachment D for the transaction records to Money Gram, and charges made XXXX. 

On XXXX XXXX, I recieved a letter from XXXX XXXX XXXX indicating that I owed money. I responded to XXXX explaining the situation, and that this had already been reported to Money Gram on XXXX XXXX, 2015. I included a dated letter explaining the incident, I included the police report, the records from the autoshop, the bank records showing all of the fraudulent charges, and the letters from XXXX for verification purposes. 

On XXXX XXXX, 2015, I recieved another letter from XXXX explaining that I owed money, even though I had responded on the XXXX of XXXX explaining the whole scenario. 
I am usure of where the money was transferred, but XXXX and Money Gram should follow up with the recipients. 

I am officially filing a complaint against Money Gram and XXXX XXXX XXXX for irresponsibly sending out collection notices after being supplied an official explanation of events.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I have a home loan with M & t bank. I 've never been late. Even now. 
Part of my loan had a requirement that I open an M & T bank account and the loan payment is pulled from there into the loan. 

For XXXX yrs I 've had an automated transaction from my XXXX XXXX account to move {$580.00} into my M & T account. The loan payment is about {$570.00}. 

I always check my digital email receipt of the wells transaction and my physical loan mailing update to make sure all is ok. 

A week ago, M & T calls me to tell me I have overdraft charges. I assumed my automatic transfer of {$580.00} from XXXX XXXX to M & T failed. But it worked and my loan was paid up to date. I asked " how do I have an overdraft then? ". Them " well you did n't pay the fee '' Me. " what fee? 

Basically, they created a {$15.00} " under {$500.00} '' fee on my account that I was required to have. They may have sent snail mail to me but I have a XXXX ratio of junk mail from them so I only read my mortgage mail. My mortgage was up to date. 

I had been paying {$2.00} more a month and they took the fee out of that. When that was all taken they gave me an overdraft of {$80.00}. They say they ca n't refund it and I owe them {$5.00}. They " changed '' aka fixed my account so I is only for transfers but they ca n't " undo '' {$80.00} fee. Working with databases and CC transactions I know that is a complete lie and it 's just a rule to screw over customers. 

I have never been late. I want my money back. 

I was paying them on time for XXXX years. They make a profit off that. They charged me a fee on an account that I was required to have ( profit on profit without extra work on their side ). They did n't properly alert me to the fee ( not thru email possibly hidden in junk snail mail offers ). They took my money and then fined me for the unpaid fee that I was n't alerted about on a required account for a profitable transaction. 

Again, I have never been late. I have never used that account for anything other than my loan transfer. 

What can I do? They said a manager would call me back after they called back and told me my request was " declined ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: M&T BANK CORPORATION
State: AK

Complaint narrative:
Paid off mortgage in full on XXXX XXXX, 2016, received a deed of reconveyance which was incorrect according to the State of Alaska Recording office. The Recording office sent it back with instructions on how to do it correctly on XXXX XXXX, 2016. I have still not received the corrected deed of reconveyance from the mortgage company and neither has the recording office. It has been almost two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
When my ex wife, XXXX XXXX and I were divorced about 10 years ago, we closed our joint checking account at Bank of America in XXXX XXXX. My ex wife moved to XXXX XXXX and opened a checking account with BOA in her name only I continued to live on XXXX XXXX About 3 years ago, I opened my own checking account with BOA in XXXX XXXX.. 
When ex wife over drew BOA checking account in XXXX BOA activated a line of credit account my ex wife and I opened prior to our divorce years and forgot to close My ex wife overdrew her checking in 2015 activating the line of credit account. BOA sent notices of past due overdraft account to my wife 's a ddress in XXXX The letters were addresses to XXXX XXXX and XXXX XXXX I was never notified about this overdraft problem at my home in XXXX XXXX ( see attachment ) My ex wife mailed copies of BOA letters about the overdraft account, my first knowledge about the problem, I went to BOA in XXXX XXXX, they explained to me about the overdraft and they filed a bad credit report with credit bureau. BOA told me that, my ex wfes XXXX addfress showed as the official address in their records for both of us. Even though I had seperate BOA account in XXXX XXXX, Bank of America made no arttempt to notify me at my XXXX address. Bank of America just used my ex wife XXXX address because my ex wife over drew here account and since we were both on the old line credit account, they just put my name on the collection letters sent to XXXX I was never notified about the problem BOA refused to restore my credit be cause their official records showed that we both lived at the XXXX address, which is a phoney excuse. 








































fl boa

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 2016-01-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: M&T BANK CORPORATION
State: WV

Complaint narrative:
This Lender was stopped from reprocessing my Vehicle ( an RV ), because I got them satisfied but they picked my RV earlier ( repo ) than they agreed, and in the process of driving/towing moving my RV they they ruined my RV. I got it back because it was drivable but ... I did not realize they damaged it so severely but they did ... .The wheel came off at XXXX MPH and destroyed the rear axle, I then SAID I DO NOT WANT THIS ITS RUINED They take it and have had it since XXXX, no auction yet they say its awaiting ( Fixed or Still Damaged ) They Send me this email..telling me I still owe the entire amount of the original contract on a vehicle they rendered worthless. Below is their email to me. No auction I want an almost as nice RV as I had before they ruined it, or all of my over {$30000.00} already paid to this Bank, and my credit rating corrected. 

Installment Loan Collateral : XXXX XXXX XXXX repossessed/at auction Status : charge off Good afternoon XXXX XXXX XXXX Please be advised that my records indicate this collateral was repossessed XXXX/XXXX/XXXX, and is at auction awaiting sale. Your current balance is {$31000.00} good through XXXX/XXXX/XXXX with a daily per diem of {$6.00}. 



Please contact me directly @ XXXX if you have any further questions or concerns. 



Thank You, XXXX Last name removed XXXX Last name removed XXXX XXXX XXXX XXXX XXXX XXXX Management Dept. 

XXXX XXXX XXXX XXXX N.Y. XXXX Phone # XXXX ext. # XXXX Fax # XXXX email : XXXXXXXXXXXX M & T Bank- '' Understanding What 's Important. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
For the past 4 months, my mortgage company has returned payments for XXXX accounts I have with them because there was a past due amount that I did n't know about and therefore my payments were not enough to cover. I spoke with a rep with the mortgage company on XXXX XXXX to try to come up with a plan to get caught up. We set up a 5 month payment plan, verified the first payment amount, and he made sure I had the receive code to send the first payments through verified funds. When I was having trouble sending the payments, I called OCWEN and was told that the payment plan was not actually set up, that a manager call back was scheduled ( that I was not told about ) and that both properties are now in foreclosure status. In addition, there has been someone going to the property I rent out and harassing my tenant, telling her about the mortgage being behind, and telling her they would go out there every month until the debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
1. My deceased husband 's property that he owned with his parents who are also deceased was foreclosed on XXXX XXXX 2016. According to the court records the foreclosure process was filed on the same date as when the paper work was supposedly served to my deceased husband. However, my husband was never served as he was hospitalized prior to his death during this time frame. 
2. Prior to his death, my husband, and our son tried multiple times to resolve the debt, but were mis-led by the debt collector on how to resolve the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: GA

Complaint narrative:
I have a new phone number and the last person that had this number apparently had several debt issues. I have notified the company several times that I am not the individual they are looking for and to please remove me from their lists, however, they have not done so and continue to keep calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I called Ocwen today to ask them for a HAMP modification. I spoke to XXXX, agent ID # XXXX who told me that I did not qualify because of the delinquency. I disagreed with him because according to the government guidelines, the unpaid balance has to be less than {$720000.00}, the loan has to have originated before XXXX 2009, the property has to have not been condemned, it has to be my primary residence - at risk, and imminent default, have experienced a financial hardship and be able to show a pay stub and tax return, and not convicted of a felony within the last 10yrs. I stated that I meet all of the criteria specified by the government but was still told I do n't qualify because of the delinquency. I stated that my delinquency is still less than {$720000.00}. I was told that I still did not qualify and that the modifications are account specific and that I should not get my hopes up. I requested a modification package and was refused and was told that I had to pay my loan in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
This is for a HELOC which became due in XXXX. However, the company had sent me a misleading letter in XXXX, telling me that the term would expire in one year, meaning XXXX of 2015. Even though I have requested them to stop calling me every day, and sent them a certified letter to that effect, they continue to harass me with a robotic call every day at XXXX. Our situation has not changed - we are trying to refinance our house in order to pay off the HELOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have a home loan that is serviced by Ocwen. There is a large descrepancy between the loan balance reported by Ocwen, and what the amortization schedule indicates it should be. I complained a couple of years ago by way of a phone call to Ocwen. They could not explain the large descrepancy. I emailed an inquiry to Ocwen a couple of weeks ago. They still have not explained the error, but they did get back to me about 10 days after I sent the email request. They claimed my initial request to not include enough information, which I do n't believe is true. I called the phone number the provided me with, and I provided Ocwen with requested account details. A weird thing that happened after my email request, concerning the large descrepancy between Ocwen 's reported balance the amortization schedule 's stated balance. The amortization schedule was removed from the Ocwen website. I do n't trust Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I pulled my credit report on XXXX/XXXX/XXXX and noticed some collection accounts that I have never heard of before. The collection company in question PORTFOLIO RECOVERY ASSOCIATES claims that I owe money to them for a bill that I have had in the past. I demanded that they validate the debt under the FDCPA on XXXX/XXXX/XXXX via a letter sent regular mail, they never replied. They continue to keep this account on my credit report to this day after several rounds of letters to them demanding that they validate this debt. Now that this has gone on this long I am filing a complaint to have this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
OCWEN loan mortgagee used deceptive practice for communication purpose in order to foreclose my property and extract money from me. They used fake address to show that they have send all communication and those fake address not related with me in given period. i HAVE MADE SEVERAL ATTEMPTS WITH THEM TO RESOLVE the issue but they failed to resolce issue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
We asked Ocwen to provide us with the correct amount owed on our Mortgage. We did not sign modification or make trial payment because the amount they claim we owe is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen Loan Servicing, LLC- took over GMAC Loan Servicing the prior servicer of my Mortgage. Ocwen sent a Loan Modification form to me to be completed as of XX/XX/2013. 
However, Ocwen does not live to the promise of the modified document. 
1. Ocwen increased our principal or the balance owned from {$58000.00} to {$84000.00}. 
2. Ocwen does not waive the past late fees, past balance and all the attorney fees as promised during the modification. 
3. Even we made 39 payments after the modification documents, ocwen have already file for foreclosure on us. The Interest rate is higher than the current rate. 
4. I called Ocwen Ombudsman office I spoke with XXXX XXXX and I have explained to him that " Ocwen did not sign the Modified document and did not respect their promises so ; we need a new modification with accurate amount. But, Ocwen fails to do it. 

I do need help to resolve this issue before Ocwen repossess my property Please Help. 
Thanks, XXXX XXXX, XXXX and XXXX XXXX XXXXXXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX TEL. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
We think our mortgage company is asking for too much escrow money. Our escrow balance is currently XXXX. They are increasing our monthly escrow payment to XXXX. Which means my escrow balance after my XX/XX/2017 payment will be {$2100.00}. My total taxes and insurance are XXXX. XXXX of that is {$920.00} per month ; however, the bank is asking for XXXX per month. After I make my XX/XX/XXXX payment my escrow balance will be XXXX so even at the inflated amount of XXXX per month they will have more than 2 months worth of escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
Proof never received and I made many attempts to settle and pay half and payment was returned to me after they agreed to accept it. I disputed from the start and this is on my credit report. Florida statutes state that I am entitled to proof of the fees and issues. I am being charged appox. {$200.00} interest on a disputed collection account. I moved out of the apartment and was charged for water drip marks under the stove top, XXXX approx. {$40.00}, cleaning bathroom counter ( approx. {$40.00} XXXX {$600.00} for carpet cleaning. I asked to provide proof of expenses and issues they are claiming. I have pictures that show I left it in " clean '' condition and carpet cleaning was done by me prior.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation