milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (PA).
Issue: Problems caused by my funds being low

Complaint: I have multiple checking accounts with M & T bank and have had accounts there since I first opened an account with a local bank as a child. The bank was bought several times and has been M & T for many years at this point. I am aware that they have an excessive fee structure, so I take painstaking steps to avoid any kind of possible fees including keeping the bulk of my funds in credit unions and online accounts such as XXXX XXXX in order to avoid their extensive ATM fees and lousy savings account interest rates. I have even opened up lines of credit for almost every checking account I have with them in order to avoid overdraft fees. I basically only deposit enough money in my M & T account to pay my monthly bills via web bill pay and checks. Their web bill pay is the only financial service of value to me. Their rates and service for loans, credit cards, etc are so poor that I never even consider them when shopping for other financial products such as a vehicle loan. 
This week I happened to overdraft my account by {$1.00}. Fortunately I have a line of credit attached to the account so they did me a huge favor of transferring {$1.00} from that line instead of charging me the typical $ XXXX dollars for an overdraft. I watch my accounts constantly via XXXX so, seeing the transfer, I logged on the following day and transferred some money from XXXX of my other accounts ( I had over {$1000.00} on deposit with the institution at the time ) and then transferred the {$1.00} back to the line. For the service of providing me the {$1.00} for less than XXXX hrs, they decided to charge me {$12.00}. I work next to an M & T and have a great relationship with the manager, but as I 've learned from previous experience, the branches have no control over fees associated with the automated system, so I figured I would just call their customer service line and discuss this with someone there since they have effectively removed customer service from the branches. I discussed the situation with the customer service person who also had no ability to do anything at all. I understand the policy, I know what the fee is, and honestly I would care less about paying {$12.00} if they had to advance even {$50.00} on my behalf. But to have no money at all of their own at risk and to charge 833 % percent does not seem at all reasonable. I know it is within their rights per the agreement of use or whatever miscellaneous fine print I had to agree to in order to use web banking, overdraft lines of credit etc, but this is extremely usurious and many of their clients do n't have the means to absorb these kinds of fees routinely. If I could find an institution with equal web banking capabilities, I would close all of my accounts tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Made each monthly payment ; however did not get credit for six payments in XX/XX/XXXX and none in XX/XX/XXXX when I was sending in cashier checks by certified mail ... ... treat foreclosure from Ocwen ... 
Had an attorney that did not help only insisted on modification ... .now we are out major money, credit destroyed ... .Help needed what are the options?????

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Checking or savings account (Checking account) with ZIONS BANCORPORATION (TX).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: On XX/X/17 a wire was sent to my Amegy Bank account by mistake from a customer. When I tried to transfer the money out of the account into my current bank account at XXXX XXXX XXXX, Amegy, refused to do it. They said that the account was not current because it had been dormant for so long. So Amegy told us to come back the next day because they had a hold on our account and that we could sign a form to send the money to our XXXX account the next day and close the account. However, in that same day, they tried to transfer our money back to our customer. But because I made a credit card payment from that account, because it did not show a hold and my payment went through, they told us the next day that they would release the hold. We wrote a check from the account to our current account for XXXX the next day and then Amegy transferred XXXX to our XXXX account. We had a balance in the account of XXXX. A few days later, I wrote a check to close out the account and deposited it into our XXXX  account. I was not told that there would be a wire fee between banks. So by writing the check, it put the Amegy account in INS Funds. I was then charged a XXXX Ins funds fee and a daily overdraft fee of {$5.00} per day until we paid it off and closed out the account. This is all confusing to me since I also received a letter from Amegy stating that if I wanted to keep that account open I needed to sign a form and send it back. I figured if I did not send the form back that they would consider the account NOW closed. But they did not. I am out XXXX, from this situation, it is not much, but it was enough for me to believe that what Amegy is doing is not right. When the wire was made for the XXXX they should have told us a fee would be charged and we would have added it to the wire transaction. Also, I have never ever been charged {$5.00} a day for insufficient funds in my life. Please look into this for me. 

I have the letter that was sent to me from Amegy Bank about the account status which I did not get until after this matter. I also have a copy of the bank transactions which I can send to you if you need them. Just let me know

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 monetary relief
Consumer complaint received 09/20/2016 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit card company states I owe them, yet I have proved to them that my credit card bill is paid in full every month. 

The harassment by the credit card company, its representatives and Or agents have been relentless. I sent notices to them certified mail and telephonically that each violation after a certain date would incur a charge for each violation. They agreed and they have the recorded phone conversation along with the certified mailing they signed for. 
To date they now owe me in excess of {$2500.00} for these violations. They actually think it 's a joke. 

I have detailed records available for review.

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 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: TransUnion File # XXXX Date XX/XX/18 TransUnion has on my credit file Cash Advance Inquiries from cash advance companies in which I have not applied for or owe. TransUnion has yet to provide any proof of any document of any kind of me applying for a cash advance loan. TransUnion has committed fraud or sold my information with out my permission. TransUnion has not provided any proof of no kind and committing fraud under my name for cash advance loans inquiries.

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 11/24/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX added a collection account to my three bureau credit reports for {$1000.00} in XX/XX/XXXX. It lists the original creditor as XXXX. I closed my XXXX account in XX/XX/XXXX. I never received written notification of a presumed debt from XXXX XXXX and I never had a debt from XXXX. I have been XXXX with the military since XX/XX/XXXX and under SCRA protection. I believe XXXX XXXX 's practices to be illegal but they wont remove the items and it has dropped my credit score 40 points.

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 09-12-2016 about Debt collection (I do not know) with ERC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ERC has called my mom and husband regarding my contact information stating that I have outstanding debt that needs to be paid. They have also called me. I do not have any outstanding debt and my credit reports are clean.

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 10-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: While checking my personal credit report, I noticed an Employers listed as XXXX and XXXX on TransUnion credit report. I have never been employed by these companies. I am requesting that TransUnion immediately remove the unknown names of Employers listed on my credit report. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to correctly identify me in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: remove the judgement from my acct it has been vacated enclosed is a copy of the judges order

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Mortgage (FHA mortgage) with Home Point Financial Corporation (RI).
Issue: Loan servicing, payments, escrow account

Complaint: We closed on our fixed rate home loan at the end of XX/XX/XXXX. Our monthly payment, based on debt-to-income was approximately {$1400.00}. In XX/XX/XXXX we were notified of an increase of approximately {$300.00} per month due to a projected shortage in escrow. There was no significant increase in annual, local property tax or in homeowner 's insurance. The lender chose to pay both in full between late XX/XX/XXXX and XX/XX/XXXX, reducing escrow from close to {$3000.00} positive balance, to approximately {$2000.00} negative. After extensive communication with an attorney from the lender, we were able to reduce the monthly payment to about {$1500.00} per month. This was difficult, but manageable. In XX/XX/XXXX in spite of requests to pay the property taxes in quarterly installments ( as is recommended best practice and, as is easily demarcated by the tax bill, itself ), a notice was sent to us indicating the projected monthly payment based on escrow shortage was to increase to over {$1800.00}, as both the tax bill and the insurance bill were paid in full, again immediately before the annual projection was calculated. My income has neither increased nor decreased significantly. Therefore, the initial agreement in good faith, as well as the XXXX loan agreement, both based on a debt-to-income ratio calculated with full transparency of what we are able to pay, bears little resemblance to the monthly payment now owed, at a rate XXXX % higher than what we agreed to just XXXX years ago. We have been late in payment because of the financial hardship a {$400.00} dollar per month increase has caused. Now, we are receiving XXXX and XXXX default notices by mail each day. I have spoken with representatives from the lender, mailed them evidence of income, as they requested, and emailed them requests for modification. I have spent hours trying to rectify this situation and, when I have received a response, it is as if they are hearing this for the first time and are completely unaware of the situation. Or, I receive contradictory information, dated after they have processed a payment, indicating they still have not received a payment. Furthermore, they are requesting documentary evidence that has already been sent. Not only is this causing financial hardship, extreme anxiety, and personal frustration, it is also taking hours of time during which I should be performing my job duties to earn the extra money we so desperately need. It appears that the lender is exploiting a loophole in an otherwise fiscally responsible fixed rate mortgage in order to utilize projected escrow shortage to raise rates such that we are unable to meet timely payment and, thereby, default on our property. We have no intention of foreclosing.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Management Systems Inc. (OR).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I did signed as a grantor for a lease to one XXXX XXXX who longer longer live on the property [ he did told before he moved out that he has paid all outstanding debt ] until a collection agency [ Southern Managmentent Systems-+XXXX XXXX XXXX ] contacted me saying he not honored payment to an amount {$1000.00} and told me all their attempts to get XXXX failed.I did provide them with XXXX phone number and they confirmed he has acknowledged the debt and will make first payment on the XXXX/XXXX/15.Before this, southern management has gone ahead to place the debt on my records, their reason-they called me several times and could not reached me.When XXXX failed the honor the XXXX/XXXX/15 deadline one XXXX southern management systems called that, since XXXX failed I should start paid.I did paid {$120.00} with him agreeing to contact XXXX for payment of the rest.In XXXX I did not hear from XXXX of his efforts to getting XXXX to pay the rest of the money, I did paid {$220.00} anyways.Today XXXX/XXXX/15 I did respond to a missed calls from XXXX, in our talk I asked XXXX to tell me what efforts has has made so far to get the money from XXXX and also to removed the collection from my records since that collection report has made it difficult for me to make money [ can not longer trade stocks ] to paid off the debt.He told me he was not ready to do that and therefore report will remain in my records-he does n't care and hang up on me.Prior to this XXXX XXXX has always used verbal threats as mode of communication when he does n't want to answer my questions.He told me once his company does n't accept cheques ( which was my prefer payment option ) as a mode of payment, my checks on the company 's website proof this not be true-I have since told him he liar and any future liar to me will not be taken lightly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Problem with fraud alerts or security freezes

Complaint: It should not cost to freeze and unfreeze credit. With the recent breach, freezing all three should be free. Even giving one free freeze/ unfreeze a year would be good.

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 05/14/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I was made aware of a signup bonus of XXXX XXXX XXXX AAdvantage points for opening a Citigold Checking Account at CitiBank. I opened the account in-branch, having confirmed verbally with the banker that I was eligible, and had the promotion attached to the account. He specifically checked for the existence of a Citi AAdvantage Mastercard on my account and noted that had I not had one, I would not have been eligible. I further confirmed by email with the banker that the bill pay I set up would meet the requirements of eligibility, and received a response in the affirmative. Having completed the eligibility requirements, I inquired with Citi about when I would receive these points and was told they would not be honoring the offer. I appealed this decision, and then escalated it one more time, each receiving the same form response that I was not eligible for the promotion. There are widespread complaints about Citi also doing this to other people, and I believe it qualifies as deceptive and misleading. I would not have signed up without this promotion.

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 non-monetary relief
Consumer complaint received 06-08-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MI).
Issue: Account opening, closing, or management

Complaint: I opened a citigold checking account with a bonus offer of XXXX Thank you points. 
Before opening it, I confirmed I was eligible for it. 
I completed the requirements and waited 90 days for the bonus points. 
I chatted with a Citi rep named XXXX who confirmed I 'll get the points. 
Now Citi is saying I 'm not eligible for them.

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 non-monetary relief
Consumer complaint received 08/27/2015 about Debt collection (Medical) with Med-1 Solutions, LLC (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call using a different number sometimes.they call everyday sometimes 3-4 times a day. I asked them to stop with repeated calls .they said they are in their right by law to make repeated calls til debt is collected.I asked if I submitted a letter to cease the constant calls would they then stop. I was told yes but then I would be sued immediately. I told them what hours my kids go to bed to please refrain from calling past XXXX if they felt they must call and if I had to tolerate the constant calling to keep from being called. I was informed they were in compliance with the law they could call me anytime they wish between XXXX and XXXX, I have a few bills on my self and my husband and could receive calls on each separate account that it was legal to do so.my daughter used my address so I now receive calls on her. I told them she does not live here. I was informed til they had a working number and proof of her address I would be receiving those calls.my daughter was homeless at the time bouncing from home to home giving my home number was for emergency contact only not for billing calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: DEFAMATION OF CHARACTER Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617. Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file. Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: On XX/XX/XXXX, I called into make my payments to Capital One on accounts ending in XXXX, XXXX, and XXXX. The agent who was taking a {$80.00} payment on account number XXXX, put in {$760.00} instead causing my bank account to be drained of all money and causing other items to bounce the account. After spending 3 hours on the phone with capital one and talking to 2 different Account managers all I received was " sorry, you will have to wait the 3-5 days for the bank to give you back the money. '' Meanwhile, they have left me with no money at all and my account now XXXX overdrawn for their mistake. Notes are all in the computer to what has happened. So, once again I ask for a credit increase. The accounts have been as follows : XXXX since XX/XX/XXXX,  XXXX since XX/XX/XXXX, and XXXX since XX/XX/XXXX with none of the accounts receiving credit increases. The account manager says, '' I do n't understand why you ca n't get a credit increase because I 'm looking at your pay history and you have excellent pay history with us. You even have paid everything off several times. '' But, unfortunately, I ca n't get you a credit increase until the accounts are current and that wo n't be until you get your money back from us and then there is no guarantee then that you will get the increase. ''

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This does not belong to me. It must be an error. I 've never used XXXX XXXX. XXXX XXXX XXXX Closed : XXXX XXXX, 2017

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 01-10-2017 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep receiving calls from a company called American Medical Collection Agency several times a day. The number they are contacting is my business line. Every time I pick up the phone, no one responds and then they hang up. In addition, if I am unavailable to answer, my voicemail will pick up. However, they will not leave a message. I am not sure who they are trying to contact and I do not believe the call is for me. My number was registered to another person, but I am unable to verify who they are calling for.

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