vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION
State: OR

Complaint narrative:
My name is XXXX XXXX and I work with XXXX XXXX XXXX. XXXX XXXX and her daughter, XXXX XXXX, have hired our firm to work on their behalf to recover stolen funds at M & T bank. I am acting as power of attorney. XXXX and XXXX have signed all necessary documents to assign power of attorney to our firm but M & T will not honor the power of attorney documents and so far has refused to speak with our firm about the issue. 

Someone stole checks from XXXX, forged them, and then cashed them. XXXX mail was diverted by the thief and the fraudulent checks continued to be cashed. The total is in the XXXX dollars. M & T refuses to reimburse the funds under the Electronic Funds Transfer Act and has only offered XXXX a very small amount of reimbursement. So far M & T has refused to put their denial of reimbursement in writing. The fraud was reported to M & T on XXXX/XXXX/2016. 

M & T made no effort to contact XXXX, or compare the signatures on the checks with XXXX true signature. The signatures differ substantially. The checks were also outside of her normal spending habits but M & T still continued to do nothing to protect the funds or verify the legitimacy of the checks. XXXX has not given M & T any permission or authorization to honor these fraudulent checks. 

M & T has stated to the victims that they would speak with our firm regarding this issue but has so far refused to return calls or letters. 

XXXX is XXXX years of age and her nest egg to live on has been cleaned out. We urge M & T to reimburse the full amount of the fraud and go after the perpetrator for restitution. The perpetrator has been arrested and is awaiting court proceedings at this time.

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 2016-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I am owing money to XXXX, XXXX. I am not sure why I have a debt of {$1100.00} or why this collections is open. I have not visited this dental agency since I was a child and had braces as a child. before my mother pasted I had my braces removed at the age of XXXX. I have not been to this dentist over several years now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Other financial service — Money order
Issue: Customer service/Customer relations — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC

Complaint narrative:
I periodically send money through MoneyGram International "housed" by Wall Mart XXXX
XX/XX/XXXX, I requested for a copy of my XX/XX/XXXX transaction with the company. The Wal Mart branch told me that it is the headquarter XXXX that handles such matters. I was asked to direct my request to:
The Manager/Supervisor, The MoneyGram International, XXXX Tel. XXXX.
I contacted it. The employee who attended to me by phone asked me to go on-line on their website to make my request. I did as required: 1.) a photo id,  and 2.) $XXXX fee. I sent the XXXX as required the address above XX/XX/XXXX.

When I did not hear from the company XX/XX/XXXX, I called. I was transferred from one employee to the other. When no one could produce an answer, I requested to speak to the supervisor. It was the most frustrating moment. I was put on hold for 0ver XXXX minutes with annoying music playing in my eyes. I had to hang up without answer.

I went back to Bank XXXX from where I bought the $XXXX money order. On around XX/XX/XXXX Bank XXXX confirmed that MoneyGram International cashed the money order XXXX XX/XX/XXXX and produced a copy of the endorsement by MoneyGram International.

When the company would neither refund my money nor produce the requested copy of my XX/XX/XXXX transaction, I , XX/XX/XXXX went back to their branch in XXXX to report what had happened. Once again, I was asked to direct my complaint to the XXXX headquarter. On the same day, I got on phone to ask why he company would get my money and not meet my request. The response was frustrating and disgusting for 45 minutes: it was a merry-go-round transfer from employees who identify themselves as XXXX assuming they gave my correct names. I told XXXX that I have had enough transfer and would like to speak to the supervisor. "Hold on," she said and left me on phone for another 30 - 35 minutes with the usual aggravating music. I hung up. 

I waited 40 minutes and called again. The same thing happened. This time, I was transferred XXXX, Before he could ask for another transfer, I asked him to let me talk to the supervisor. "Hold on," he said and started playing the usual horrible music  my ears. He neither came back to attend to me nor did any supervisor pick up the phone until I gave up after XXXX minutes.

This is my case. I have endured this unethical, irresponsible, and unprofessional treatment from MoneyGram International. The company gives me the impression that it is a bunch of cronies, operating a business to see how much dupery they could get away with  outside he XXXX headquarter. 

I will appreciate your intervention to right the wrong.

Thanks.

P.S I have a copy of the endorsed money order

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
I had an account with M & T bank ... I disputed a {$1000.00} charge in XXXX ... they gave me a provisional credit ... later reversing their decision in XXXX ... however I went to court in XXXX ... the judge ruled in my favor ... I feel like M & T bank wrongly released funds ... I now have a {$51.00} charge off my credit ... .which I feel I would n't have if they had n't been prejudice to my situation ... and me as an individual ... after working with the attorney general 's office ... they directed me to the bank to recoup my funds and M & T bank advised me that they can not help me to do so ... .even though they filed my dispute incorrectly. So I feel like M & T bank has failed me ... and now ca n't even help me..after they made a mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Dear XXXX XXXX. 

I am writing to you in regards to unsatisfactory resolution on the above mentioned disputed item on my M & T Debit Card. 

On XXXX XXXX, 2016, I attempted to make a purchase with XXXX. The transaction was declined for insufficient funds ( copy of decline enclosed ). A few days later, when reviewing my account online, I noticed the charge had posted to my account. I immediately contacted your Call Center and filed a dispute against the charge. I was issued a conditional credit while the investigation was conducted. On XXXX XXXX, I received a letter from the Disputes Department asking for supporting documentation, which was provided and immediately returned. 

On XXXX XXXX, I received a letter advising the dispute and been reviewing and was placed in the favor of XXXX and the credit was reversed on XXXX XXXX. That same day I contacted your Customer Service Group XXXX to discuss the transaction. I first spoke to a Representative, XXXX and finally had to ask for a Supervisor, XXXX. XXXX advised they would work with XXXX from the " Back Office '' and for me to also contact XXXX, this call lasted for XXXX minutes. Following his instructions, I contacted XXXX at XXXX XXXX ) XXXX and spoke to XXXX, which was a Call Center in a XXXX Country. She indicated an Account Specialist would contact me to resolve my issue. I received, the enclosed form, which had no bearing on the purpose of my contact. 

On XXXX XXXX, I once again contacted your Call Center and spoke to XXXX, a Rep and then to XXXX, a Supervisor, and finally to XXXX another Supervisor. XXXX advised me that this case is closed with M & T and that there is nothing that the Bank can do to help me with this issue. As I have indicated to each person I spoke with, I received a decline letter and no merchandise was shipped to or signed for by me at my address. I work for XXXX XXXX, Monday through Friday from XXXX until XXXX and your Disputes Department indicated I signed for this package. I am a single person living in a single family Home. I have asked for that " signature '' to be compared to my Signature Card on file with the Bank, and no one wants to take ownership for this issue. I ca n't absorb this {$1100.00} and subsequent Overdraft Fees that have occurred. I work very hard for my money day in and day out and other transactions, Utilities and Insurance Premiums have been returned and OD Fees charged to me as a result. 

I spoke to a friend over the weekend that works for XXXX XXXX XXXX XXXX and she indicated that this could be returned to XXXX as a " Good Faith Collections '' item?!?! 

I am looking for your personal interaction to please help resolve this issue and plead for mercy. 

I have been charged XXXX indvidual NSF @ {$38.00} for this transaction

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Northern Trust Company, The
State: IL

Complaint narrative:
I was told by letter from Northern Trust XXXX copy attached XXXX that my home equity line would not be renewed because I do not have a minimum level of assets with Northern Trust Bank. I have had this XXXX XXXX XXXX since XXXX XXXX, 2006 XXXX copy attached ) and have always been in compliance with its ' terms. I believe I have been discriminated by Northern Trust.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Other financial service — Money order
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC

Complaint narrative:
On XXXX/XXXX/2016 and XXXX/XXXX/2016, I have used the services of Moneygram XXXX to send " XXXX '' money for something that I allegedly owed. I called XXXX 's customer support number to verify. XXXX told me it was a scam. I unplugged my computer, filed reports with the police, with the bank, Moneygram itself, several government agencies. I have talked with XXXX, they tell me to go the bank and the police to dispute the charges. I talked to the bank, they tell me to talk to Walmart and Moneygram XXXX as well as the local police to dispute the charges. I have tried everything to file the disputes with the bank, there isnt anything they can do about it. I am now trying to dispute Moneygram XXXX and Walmart for charges. I do have police report number and other report numbers from government websites if needed. I also still have receipts from the Moneygram purchases with reference numbers. Already filed reports with Moneygram XXXX about the charges. Local police have talked to Moneygram XXXX. Still havent heard anything back yet. Trying to see about getting help for it. May go to legal aid if I have to. I have lost in total XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I was through a some financial difficulties back in the beginning of the year ( layoff ). I was late on some of my monthly payments. I requested a payment plan to my mortgage company which they did and I started paying it off. By the time I sent out my last payment, I was told it was a mistake on the calculation and they needed to get another XXXX and with that I would be up to date including any late fees. I just got off the phone and they said I still owe over XXXX hundred dollars of late charges. Can they keep charging late fees on calculations they made?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
My cable company took money out of my account. I was charged 2 insufficient fees. I put in a dispute, and the customer services reps have told me repeatedly that the provisional credit would be in my account in a matter of days, and the 2 fees would be as well. None of this has happened, and its been 8 days. I spoke with XXXX in XXXX, NY, she was a Complete XXXX to me, and I disconnected the call. I called again yesterday and today, and have gotten nothing but RUDE people NOT WILLING TO HELP ME!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I AM NOT DEALING WITH THIS ANYMORE!!! I am a XXXX, have no money right now, and I am a Single Parent, who DOES NOT RECEIVE ANY CHILD SUPPORT!!!!!!! XXXX was the last Supervisor I spoke too. He was mean, and was arguing with me!!! I am not dealing with this. Something better be taken care of soon, or I am reporting this bank to the XXXX, and the XXXX!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I did not own a social security number in the date this medical bill was issue how they charge me something it does not belong to me for years and it is lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XXXX XXXX I received an email thanking me for a recent transfer I had made through moneygram, since I had not made a transfer through their service for at least a year and a half I called them to inquire about the email. They told me they could not tell me about any recent transactions, and that they had closed my online account for security reasons I asked them why they closed the account they said they could not tell me. I checked my bank and my credit cards and there had been no withdrawls for moneygram so I assumed it was a mistake. Then, today I I received XXXX collection letters XXXX for online transfers that I was alleged to have made via my moneygram account on XXXX XXXX 2016. I called moneygram they said that they could not tell me who initiated the transfers, but they were made on my account so I needed to pay for them. I explained that I had not logged into the account for over a year and that no transactions have appeared on my bank or credit cards. They claim that I 'stopped payment ' but will not tell me who the money was sent to, or what account they attempted to charge ( there were no attempts to charge either my bank account or my credit cards ) I told them that I could not even log into my account to check and see the details of these transfers I had allegedly made and they said that was too bad but it was there policy not to give out information. They are apparently affiliated with telecheck who sold the collection account to XXXX. Moneygram just keeps telling me to complain to them or call my bank. My bank has nothing to do with this and both XXXX and XXXX want my bank account number, social security number and driver 's license number before they will talk to me, none of that information is relevant to this. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I was sent an email from XXXX XXXX saying he wanted to know if I wanted a job paying {$500.00} a week to carry the XXXX logo on my truck. Told him that I was interested, he took my information and sent me a contract from the company XXXX drink. Told me he would send me a check from the company account for XXXX. Seven days later I received the check he told me that I need to deposited the check as soon as I received it because I need to send the money to XXXX XXXX the artist that would be wrapping my truck with the XXXX. After I deposited the check he told me to send XXXX XXXX and I was to keep XXXX as a down payment and that when she came out she would bring the rest which was XXXX. So I did a couple of days later my bank said the check was no good and that they were sending the check back but because I withdrew the money to send to XXXX XXXX I was responsible for the check. Now my checking account has been closed and I am out of XXXX because of the wire transfer fee. I have all the information reference number, amount, where it was sent and who was picking it up. I need help ... .please. Will I be able to get this money return to me or what is the next step?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
We purchased a boat, trailer and motor, in XX/XX/XXXX it was paid in full in XXXX 2016. I then sold the boat in XX/XX/XXXX. When the purchaser went to register the boat and trailer he was told there was still a lien on the trailer. I made numerous phone calls to the bank and nobody could seem to help me resolve this. After being sick for the last 5 days about this including the weekend I finally went online and found with no difficulty that there was indeed an electronic lien despite the multiple times I was told it was released in XX/XX/XXXX. I finally faxed a copy of my last registration to their bank and it is now being released. I am sure this is not how customers are supposed to be treated. I understand they are a large bank but had I been in the wrong and not paid my bill they would have contacted me in a moment. I know the problem is resolved for me after much distress but maybe if somebody is educated about this way of managing loans it will prevent the next person from having to go through what we had to endure

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On Thursday XXXX XXXX, 2015 I received a call coming in on my cell phone from ocwen Mortgage. XXXX. The person that left a message was by the name of XXXX calling within the Ocwen Lending Dept informing me that he had my file on his desk and it was in my best interest to contact him before the file was submitted for foreclosure. 
This gentleman could not fluently speak one word of English but not only did he tell me to contact him but he wanted me to call him back at XXXX. After doing research on my end this phone number is listed in XXXX, TX to a XXXX XXXX and on XXXX the phone number is listed as not safe. 

I contacted the person at this phone number and told him off and that I did n't appreciate his phone call. This person did not know how to respond and spoke broken English. I still have his voice mail. 

I do n't appreciate this type of phone call whether it was a SCAM or it was done on behalf of Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: PA

Complaint narrative:
No one ever contacted me about the debt. I had no idea until I saw it on my XXXX report so I called the medical facility I owed ( XXXX XXXX - {$160.00} ) and paid the debt over the phone via credit card. Ref # XXXX - Author # XXXX - Trans # XXXX - Date paid XXXX XXXX, 2016 Time : XXXX - I have not been able to contact berks collections but this is still on my credit report and I want it off. please

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IN

Complaint narrative:
I own a XXXX. I entered into a contract withMoneyGram to become an XXXX. An employee ofMoneyGram contacted me saying the lease wasexpiring on the terminal they furnished. Longstory short my business was scammed out of {$38000.00}. I have proof it was an employee ofMoneyGram and I am still being sued. 
MoneyGram did not cooperate with the policeor my lawyer. My attorney asked for proofthat the money was paid to whom, when andwhere. We were told the information wasirrelevant. I need help I am being scammed2x by the same company

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
XXXX and XXXX XXXX began receiving phone calls indicating that they should expect a loan modification regarding their mortgage in the mail. They then received the attached loan modification agreement, and sent a trial payment in the amount of {$920.00}. They have continued to receive calls asking for further trial modification payments. The scam is very sophisticated in that the paperwork looks remarkably similar to an Ocwen HAMP modification, the payment amount is possible with a HAMP modification, and they reference guidelines that are sometimes possible ( a loan rate of 2 %, three trial payments, etc. ) Whoever is running the scam has knowledge of default servicing. All contacts via telephone appear to have XXXX accents. Recordings of the calls are available upon request. Name listed in the mod paperwork was XXXX XXXX, his email used was XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I have been trying to get a modification for XXXX years from XXXXservicers. XXXX was the XXXX servicer who set up thetrial modification but never finalized it. They sent a lettercongratulating the finalization but never sent the packet by XXXX. Ocwen received my loan XX/XX/XXXX, 2010 but stop taking payment on XX/XX/XXXX2010. The reasoning was the investor does not acceptmodifications. 
I need some help resolving this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: AP

Complaint narrative:
I am XXXX Military person ( Family ) who 's tried to have a loan modification and/or a short sale through both of my mortgage companies OCWEN and XXXX XXXX over the last few years now!!! We have suffered nothing but heartache, stress, hardship and financial burden with over a year and a half of trying to get approval for a short sale on my residence and losing Two potential buyers, I have provided everything that has been asked for and all paperwork each time!!! Many times the same paperwork again and again!!!

Company response to consumer: Closed with explanation