milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (PA).
Issue: Problems caused by my funds being low

Complaint: In having a very hard month and being unemployed and searching for a job, I check my account balance on a daily basis. on checking my account on a Saturday. I saw that a scheduled charge had gone through on that day, which had made the account negative. I had checked the day before, on a Friday, and the account was not negative. on seeing that the account was negative on Saturday XXXX, for the first time, I proceed to borrow {$20.00}, from a friend to deposit, in the account to ensure that the account wont be negative. I never believe that any account should be in the negative, no matter how dire a situation is. 
This action on Saturday XXXX, removed the account from the negative. and all was well. the account was out of the negative. until the following Tuesday after the holiday, to my The bank to my dismay charge me {$40.00}. I am currently seeking employment and have no money to buy food to make. I checked my phone right after I saw the {$40.00} charge ( with no money ) and my account statement indicated incorrectly that I made the {$20.00} dollar deposit on that following Tuesday and not the Saturday of the XXXX. That 's a huge lie!. I have my deposit slip, which proves that the deposit was made on the Saturday XXXX. I then walked XXXX mile to the bank ( no car ) to get an explanation, and they humiliated me, because I am an XXXX XXXX man. any opportunity to humiliate an XXXX XXXX guy who doesnt look " correct '' is most welcome. talking loudly so everyone could here, afterwards then pleasantly dismissing, me. My deposit slip, and they refused to see it. They said the bank ordered them to do so. They didnt care what I had to say. Bank personel must have repeat that they couldnt do anything almost 5+ times. I need my {$40.00}, back as it is all I have left for the next couple of weeks. I am not a liar as they made me out to be. I have my deposit slip.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/15/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Other transaction issues

Complaint: Funds were taken from my XXXX XXXX XXXX savings account without my consent. ( XXXX entries on XXXX for {$89.00} each. ) These funds were sent to a fraduulanet Paypal account. I spoke with XXXX, they sent me to Paypal. After waiting over three weeks, PayPal still has not resolved the issue and even tells me that XXXX should reverse the fraudlent ACH.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: After  XXXX  years and  XXXX  months,  XXXX  sold our 15 year, fixed-rate mortgage to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  effective   XXXX   XXXX   XXXX    .  XXXX  sent us a NOTICE OF SERVICING TRANSFER dated  XXXX / XXXX /  XXXX   and we received it the following week.  XXXX  sent a SERVICING TRANSFER NOTICE dated   XXXX   XXXX   XXXX   that we received on or about   XXXX   XXXX  . Both the  XXXX  letter and the  XXXX  letter indicated that ACH payment arrangements would continue without interrruption. Our payment arrangement with  XXXX  from the time that the loan was originated until the sale date was half payments deducted by  XXXX  withdrawal from our checking account on a biweekly basis. After being unable to register our account on the  XXXX  online system between   XXXX   XXXX   and   XXXX   XXXX      XXXX  , I called  XXXX  Customer Service on the afternoon of   XXXX   XXXX   The recorded message said that the account information for newly acquired mortgages would not be availble on the online system for  XXXX  days but that payments must still be made in the interim as their   XXXX   letter also said. However,  XXXX  did not provide any information about the amount of the payment due or the due date. The customer service agent was able to look up our account in a separate system for newly acquired mortgages. He told me that this transition would be " smooth '' and specifically that my payment arrangements would continue as with  XXXX . He specifically told me that the first ACH transaction that  XXXX  would have processed on  XXXX   XXXX , would be delayed until approximately  XXXX   XXXX  and that regular biweekly ACH withdrawals would resume on  XXXX   XXXX . He told me that no action was required on my part to authorize this. The agent also told me that we would receive a phone call about  XXXX   XXXX  orienting us to  XXXX  and its customer service, but did say that if we had n't heard from them by about  XXXX   XXXX , that I should call back. By  XXXX   XXXX , no ACH withdrawal had taken place and no phone call had been received. On that date we received a letter from  XXXX  informing us that  XXXX  did not offer the payment plan that we had with  XXXX  and that we would have to authorize a new ACH withdrawal. We were able to register our account onine on  XXXX   XXXX  and authorize a new ACH transaction, the only option was a single monthly transaction, contrary to what I was told directly by the agent on the phone on  XXXX   XXXX . I believe that  XXXX  has deliberately provided false and misleading information and is acting in bad faith. I advise anyone whose mortgage was recently acquired by  XXXX  to document all contacts and retain all written correspondence. Consider hiring an attorney if you think that is warranted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Fifth Third Bank holds our mortgage. We refinanced several years ago and have paid our mortgage monthly, in a timely fashion. It is important to note that although we are given a grace period until the XXXX of every month to become current on our mortgage, this company would immediately start with robo calls on the XXXX or XXXX of every month. It was n't worth it to me, so I started paying my mortgage roughly on the first of every month. On XXXX XXXX, 2015 there was a change with my escrow account. I was not notified of this change in any form, so I made my regular payment in good faith. XXXX came and went without a single courtesy call, or letter to inform me that the amount I had submitted was n't enough to satisfy the account. I made my XXXX XXXX payment, still unaware of the escrow shortage. On XXXX XXXX I received a letter stating that I had not paid enough to make the account current. I immediately called the number provided and was told of the escrow discrepancy. I paid the amount due XXXX {$100.00} XXXX and was assured that the account was not in danger. I then received a letter dated XXXX XXXX, 2015 stating that my " mortgage payment is now past due and the loan is in default ''. Fifth Third Bank had already gone ahead and reported this late payment to the credit bureau on XXXX XXXX as a 30 day late!!! My credit score has now dropped from XXXX to XXXX!!!!!!! To make matters worse, I received yet another phone call from another branch of Fifth Third Bank stating that I had also missed my XXXX XXXX payment. Not only had I paid my XXXX XXXX payment, but I had also submitted XXXX payments of {$100.00} in order to satisfy the XXXX XXXX shortage AND the XXXX XXXX shortage. When they looked into the matter, FTB apparently did not apply my payment to my mortgage, but counted it as an additional payment to the principal because the payment was paid on XXXX XXXX, 2015. I have tried several times to reach the 3 people at Fifth Third who have vowed to help me, but no one answers their phone. I am still receiving daily notices that my mortgage is in default even though I have not missed a single payment, and I have satisfied the 2 additional escrow shortages. 

To add insult to injury, I was notified by XXXX XXXX that the terms of my Business Platinum account had changed. This is my business account that I run XXXX dollars through every year! My business grosses over 2 Million Dollars of business a year and we heavily rely on our credit to finance equipment, extend lines of credit and other needs. Thus the " trickle down '' of this credit nightmare begins! HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ).
Issue: Other transaction issues

Complaint: I have initiated a MoneyGram " send money '' transaction ( where they take the money from my bank account and give the money to a recipient abroad ). They found a problem about the transaction, some recipient middle names order not matching the recipient ID, and told me that they can not release the money to the recipient because of this reason and advised me to cancel that transaction ad do another one. 
I went on MoneyGram website and cancelled that transaction on XXXX/XXXX/2015. Regardless, they still took the money from my bank account, {$520.00}. No information was available on the status of this cancelled transaction on their website until eventually they shown a cancellation date for that transaction of XXXX/XXXX/2015. When I asked them why the difference between my cancellation ( XXXX ) and their posted data ( XXXX ) they answered that they needed that time to " properly process '' the cancellation. Hilarious. Their web site states, when cancelling a transaction, that it should take between 3 and 10 business days to get the funds back in the bank account, so one would think that it should start counting 3-10 business days when they do the cancellation. No clue that, before that, there is an arbitrary number of days that MoneyGram takes to " properly process '' the cancellation request. Hilarious, ridiculous, frustrating. 
Since I did not see my money coming back to my account I called them repeatedly, last time on XXXX/XXXX/2015. They keep transfering me form one person to another or let wait on the phone indefinitely ( about XXXX persons during the last call, until I had no choice but hang up furiously ) and can not give me a clear answer. When I asked them to be transferred to a supervisor they state that they have no supervisor ( which may be an explanation why they do n't know what they are doing ). Ridiculously, eventually someone advises me to check with my bank. Then I ask, OK then please give me the date when you sent the money back to my bank but they can not give me any specific date, keeps telling me that it can take time for the cancellation to be processed. Last person that I talk with states that it can take up to 45 business days to complete the refund. This statement seems inaccurate since what I have seen on their web site says between 3 and 10 business days, so I ask the person to direct me to the page on their site / policy where I can see that information but they are not able to do that. 
Bottom line, there is more than one month since I am waiting to see my money come back to my account and there is no sign that it will happen or that anybody at MoneyGram is capable to troubleshoot and give any valid information.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
Issue: Account opening, closing, or management

Complaint: My mother put me as a user for XXXX of her credit cards and I would like my name off them accounts. My mother stopped paying these accounts and left them neglected but now they 're showing up on my credit report and I never wanted to be a user.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2016 about Debt collection (Medical) with American Collections Enterprise, Inc. (VA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Amercican Collections Inc has repeatedly been harassing and intimidating when I have interacted on the phone with them. The manager whom I was transferred to after speaking with XXXX, threatened to call the doctor 's office I owe a debt to and tell the doctor 's office that I am not cooperating with the terms of the payment agreement. XX/XX/XXXX, I was told as long as I pay the debt prior to the last day of the month, my account will not change. I sent a partial payment using my bill pay XX/XX/XXXX and was waiting until I saw the payment post to my bank account to pay the difference. On the day the company received the partial payment, on XX/XX/XXXX, they called me and were telling me contradicting information regarding whether or not me giving them money to pay my debt was a problem. I started this payment agreement XX/XX/XXXX and paid XX/XX/XXXX. XX/XX/XXXX is not even over and they are threatening that they will have the doctor 's office collect the original amount. When they called on XX/XX/XXXX, I had already been planning on calling them to use my credit card after I saw the check post to my account, as I had done the previous month. Had they called me simply to ask me to pay the difference for XX/XX/XXXX instead of trying to berate me and pressure me, I would have paid right then. Instead they behaved discourteously. They kept using the word, " generous '' to describe the benevolence of the doctor 's office and I strongly feel the language they were using was meant to belittle me and to intimidate me and to make me feel guilt and shame, despite that I am paying this debt. They are behaving very badly while I am paying this debt. I do not deserve to be harassed and threatened because I am paying a debt. They have lied and misrepresented the information regarding the payment of debts. Also, my husband called ACEI after I called him at work and I was very distressed. When he called ACEI, he spoke with XXXX, who transferred him to the same manager. She disclosed sensitive personal information regarding the debt. She told him who the debt was from, how much it was and all information regarding the debt. To my knowledge, sharing that information is illegal and against confidentiality practices. They did not have my consent or confirm that he was my husband before sharing my personal information.

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 04/24/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am working with a credit consultant to better my credit and we have not received a credit report from Equifax. I have been doing everything I need to as far as getting my credit caught up. Just not sure why Equifax ca n't do their part. As far as I know my credit consultant has made many attempts to get this report from them. Thank you for your time!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Navient has called my brother, parents, and brother-n-law harassing them about my debt that is owed. I 've asked them repeatedly to not contact my family as this is an embarrassing subject. They call and harass me saying they will take legal action and that I need a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX  has  XXXX  accounts on my   XXXX   and Equifax reports that are over the seven year period.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/XXXX I ordered my credit report and I had no inquires on my report, and today I looked on my report and found that all previous inquires are back on my report and that made my score drop

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 03/16/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: I recently had all my XXXX credit card accounts ( Active since 1989 ) cancelled, without notice by Citibank. I discovered this, while attempting to make a purchase on XXXX of the cards. Upon calling the Citibank Customer Card Services XXXX #, I was informed that no information was available. I was advised to write a letter to their Security Services Division, located in XXXX XXXX, S.D. 
I subsequently received a written response, that stated Citibank was using their account agreement discretion, to close my accounts without prior notice. I had also asked about my points balance, averaging XXXX per card and they chose not to respond. 
What is my recourse if any at this point, as my account was always current with Citibank and will this have a negative effect on credit score?

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 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: Contacted TransUnion via telephone to initiate Fraud Alert. Automated system forced me to listen to extensive sales pitch for TransUnion 's identity theft product. After I declined product had to listen to another sales pitch to confirm I did not want my identity protected. I know enough about this product type to know this is not a good product for me but other people may be conned into purchasing TransUnion 's product. TransUnion 's imposition of mandatory sales pitches to customers trying to protect themselves from fraud is dishonest and manipulative because it preys on a vulnerable demographic.

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 01-05-2017 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I like to inform you that the judgement that is on my credit report should be removed it has expired. The court system is with drew the entire judgement out of their system. Therefore this can not be collected. In this case this judgement should be removed within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX claims that I owe them {$2200.00}. After two letters sent by me, XXXX XXXX failed to provide me with the document bearing my signature, showing that I have, or ever had some contractual obligation to pay them I believe tahat this is a violation of Fair Credit Reporting Act ( including, but not limited to Section 623-b )

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 01-09-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America, through their XXXX XXXX XXXX XXXX XXXX ( XXXX ), has or will cause to be recorded a Trustee 's Deed upon the sale of their XXXX interest held by the XXXX Deed of Trust to a third party. 

As dual tracking is prohibited, Bank of America and XXXX have no authority to record the Trustee 's Deed based on the unlawful recording of the Notice of Default ( NOD ) and the subsequent Notice of Trustee Sale ( NTS ). 

This property has been held by me under a claim of adverse possession upon meeting all requirements of law. Therefore, my property and home are not subject to foreclosure or Trustee Sale and no NOD or Trustee 's Deed should have been reorded. 

It should be noted Bank of America has made no default claim on the XXXX Modified Deed of Trust to date. 

On XXXX XXXX, XXXX the agent of the XXXX ( XXXX ) came out to my home and could see the published and posted Notice of Ownership through Adverse Possession which establishes the fact the XXXX may no longer claim lack of knowledge of my ownership of the property through adverse possession. Although not required, the Adverse Possession Declaration is still posted on the property to date and will remain until a court order is issued to remove the notice from my property. Additionally, upon being told they would have to put me out of my home, the XXXX agent replied, " We 're not trying to put you out. '' An indication there are no plans or intention to reside upon the property. 

All previously mentioned resolutions are desired and mandatory to include all fees and charges included under the XXXX Making Home Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) Modified Deed of Trust including, but not limited to the charges related to the XXXX XXXX Deed of Trust.

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