milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2017 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (CT).
Issue: Trouble during payment process

Complaint: jumping to few months back XXXX XXXX XXXX ) ... rather beginning the story from XXXX. 

around the month of XXXX i had contacted M & T Bank customer service regarding why i got enrolled into forced escrow program. was told because they paid the back taxes, i told them i paid them and sent the proof of payments via email to the email they provided me. 

then another call i made to follow up regarding how the increase is was too much for me and again, why did it go into escrow?!? rep told me : " oh if you send {$530.00} and request to be removed via email to the same email address, it will be removed from escrow and then you 'll be responsible for taxes '' i said - " fine ''. 

no resolution and then i received a statement with a balance of {$5200.00}!! i called again and was told to send an odd amount of {$750.00} on XXXX and went to a local branch and made cash payment. at the branch had to call customer service with the teller because the teller had know idea what to do with the payment. customer service explained it to her and took my payment. still did not remove me from escrow. 

called after day to confirm the payment and still no help and then was transferred to home owners assistance program. i explained the hardship situation to the guy and the guy said " sorry there 's nothing we can do. '' my mortgage jumped from {$1900.00} to {$2500.00} which is a {$600.00} increase that i ca n't afford because of the forced escrow program without any notification. 

my tax XXXX gross income was {$54000.00} struggling to survive with other expenses and life. i 'm sacrificing money to go to M & T bank mortgage because i do n't want to go into foreclosure. 

XXXX XXXX i went into XXXX XXXX and i do not have health insurance because i ca n't afford it. i am going to get hit with approx $ XXXX XXXX bill and do not know what i 'm going to do. 

on another note : i 've also called a few times last year to ask to reduce my 6.25 % interest rate and again was told there 's nothing they can do i guess if fine with the escrow program but i need help to reduce my payments so i can continue to live at my home. i 've asked on multiple calls what can we do and continued to say " there 's nothing we can do '' or " when you go into default, then maybe we can help '' which i do n't want to do to jeopordize my credit which i 'm slowly re-building. 

hope you can help? thank you in advance, XXXX XXXX

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 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I have previously notified XXXX XXXX of the identity theft via the Consumer Financial Protection Bureau and have now contacted an attorney, XXXX XXXX, who told me to submit this last claim before filing a lawsuit against the bank. XXXX XXXX  opened a credit card in my name and sent it to an address I have no association with. I did not live, work, or have any association with the address they sent the credit card to and I do not know who they sent the credit card to. XXXX claims they opened an investigation however I doubt the truth in their statement given the results of the " investigation ''. XXXX claimed in their response to the Consumer Financial Protection Bureau that I had personally called and verified my account information and that I had gone into a XXXX Branch and shown my ID. This is 100 % false and never happened. Obviously if I had gone into a branch there would be a record, including surveillance video of me in the branch. I challenge XXXX to prove to the Consumer Financial Protection Bureau that I ever stepped into a branch and showed ID or that I ever called them. The phone number they called and/or were called from is not my number, never has been my number and is not even a working number ( I 've tried calling it and it is disconnected ). I have had the same phone number for over 10 years. I never contacted XXXX from my number and I never went into a branch. I have literally never been into a XXXX branch in my life. XXXX is attempting to extort me for a debt I do not owe. I am again attaching a copy of my lease showing I did not live at the address they sent the card to, as well as a copy of the FTC report my attorney advised me to file. In addition I am attaching the response from XXXX in which they claimed that I visited a branch ( a lie ) and that I called in ( also a lie ). If someone called into the bank to verify information it was probably the thief they sent the card to! There were multiple accounts opened in my name, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, etc. XXXX XXXX is the ONLY bank that has not done a real investigation and who provided me with demonstrably false information. Their lack of due diligence has cause me financial harm that I intend on recouping from them if this is not solved. The credit reporting agencies in the complaint ( XXXX and Experian ) and thusfar not done any sort of actual investigation either and have taken XXXX XXXX at their word and continue to report false, negative and harmful information about me to creditors. This will be the last complaint I file, the next step will be to file suit.

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 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient did not properly credit my prepayment of student loan payments, even though I clearly marked my intention for my payments through the web payments system or by separate letter enclosed with my check. It took many hours of follow up by phone with their customer service to correct. Ultimately I refinanced my loan with a different provider, in part because I could not trust Navient to handle my payments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Billing statement

Complaint: I have a complaint about synchrony bank who took over the walmart and sams club credit cards accts. Have not used either card in 3 months or more yet my statement balance still reads over the card limit when i 've been paying at least a small amount over what the payment is. Its been showing that more then XXXX going to interest and not showing a drop under the credit limit amount. 
My own bank XXXX XXXX just recently had to refund back to my card with them over payment money. I think was due to an audit. Doesnt the gov. do audits on these banks to check for discrepancys in peoples accts. 
I would like to request this matter be looked into. Thank you XXXX XXXX XXXX XXXX

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 02-02-2016 about Debt collection (I do not know) with General Business Recoveries, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Please see disputes : XXXX,XXXX, XXXX, XXXX, XXXX. These are ALL disputes for the SAME creditor. In the previous disputes, they admitted that hey do not have me in their files nor can they find me. When I disputed their false charges again through Transunion, they " suddenly '' invoiced me AGAIN! Invoice is attached. This is unacceptable and after admission that they do not have me int heir files, this creditor has no basis to assume these charge are mine just because I made a dispute! For the 8th time, this charge is NOT mine. The name on thsi charge is not even mine! My full name is XXXX XXXX, it is NOT XXXX XXXX. XXXX XXXX is my MOTHER. For the love of all that is holy, these charges are NOT mine and they need to be removed ASAP! I again reiterate that I had NOT received anythign from Gen Bus Recoveries until I disputed the entry on my XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: transunion, for this entire day would not allow disputes over the phone or online. 
i am disputing XXXX, acct XXXX as paid, mult. innacurracies including dofd is not listed.

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 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX ,  XXXX  CFPB :  XXXX  denies me credit as retaliation for complaints that I have filed against  XXXX  and disparages me to other financial institutions, causing them to also deny me credit. Because of that, I have been homeless and automobileless for the past  five ( 5 ) ye ars.   XXXX    claims that I owe it over {$140.00} on my  XXXX   Visa Platinum  Credit Card, in information that it has supplied to Credit Bureaus. In its Affidavit of Mortgagee on ARM Loan  XXXX ,  XXXX   XXXX ,  XXXX ,   XXXX      alleges that it performed more than {$140.00} of Maintenance on my   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , built by my parents,  XXXX  and  XXXX , in  XXXX . In fact, NO Maintenance had been performed. I perform my own Maintenance.  XXXX  threatened to take away my  XXXX   XXXX  and the personal property of  XXXX   XXXX   XXXX   XXXX  generations of my family, if I did not pay the Undeserved Maintenance Fee.   XXXX   intimidated me into paying the Undeserved Maintenance Fee.   I demand that   XXXX   remove ALL negative information that it has supplied on me to Credit Bureaus, as the Undeserved Maintenance Fee, that I paid, more than covers the alleged Outstanding Balance on my    XXXX     Visa Platinum  Credit Card.   If CFPB can not get   XXXX   to agree to this, then I request CFPB to get   XXXX    to ac cept payment from my   XXXX   Checking Account to Completely Pay Off the alleged Outstanding Balance on my   XXXX   Visa  Platinum Cred it Card. And remove the negative information.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX is reporting a checking account from bank XXXX XXXX stating this checking account belongs to me. I have tried to dispute this information and so far EWS has refuse to do anything but give me the run around. I have fax my driver license and social security card with proof of address and still they have not provided me with the report nor have fix the incorrect information. This account does not belong to me. The last names do n't even match, my last name is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Debt collection (Credit card) with CITIBANK, N.A. (PA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I was issued a civil suit from XXXX. I XXXX and made payment before hearing. They didnt contact the court house like they said i would. I payed the debt off, but on my credit score they still say i owe money and they payment amounts are wrong. I contacted them and they give me a number where i dont get any assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a home loan with quicken home loans.Quicken chose XXXX XXXX Appraisals to do the appraisal of XXXX XXXX XXXX XXXX XXXX XXXX Cerification # XXXX did the appraisal and stated XXXX Square feet causing my loan to fail. Quicken chose this appraiser and I paid XXXX dollars for a bogus appraisal. I had no part in choosing this appraiser and should not be penalized for her errors.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (OR).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Quicken Loans sent a letter of solicitation to XXXX XXXX to refinance my home loan. XXXX XXXX is my spouse, but is not a legal owner of the property being solicited. The property is located in Oregon, which is not a community property state, and public record shows that he is not a legal owner of the property and never has been. He is not on title, deed or the current mortgage. I am very concerned with Quicken Loans advertisement/solicitation practices offering an individual who is not legal owner of my home to refinance my home in their name. My name is not on the solicitation at all, it is only addressed to XXXX XXXX, along with details of my current loan amount, and an offer of new refinanced terms from Quicken Loans. This offer and their means to obtain the information seems deceptive and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I made a payment on XXXX of {$320.00}. There was already a post dated payment for XXXX that was scheduled on XXXX XXXX via the phone. My total credit that the account holds is only {$500.00}. After making the payment of {$320.00} the other payment processed the next day and later was returned. Then my credit card account went into revoke status on XXXX and closed status. I received a letter stating my account status. I immediately called to fix the problem and the representative told me that it will be taking care of and removed from that status. I then assumed it was done by the time I had made my next payment. I made another payment of {$100.00} on XXXX. I then spoke with the credit card company again on XXXX because I reviewed my statement for XXXX and it showed that I have no available credit, but I already had paid XXXX + {$100.00} and my account reflected an available credit via online. The representative told me on the call that my account is in revoke status, but note I already called between the dates of XXXX to address this situation after I received the letter and the representative told me it would be taken care of, whatever that meant. Now that my account is fixed, which it could have been done when I called between XXXX, the manager stated that my account already have been reported to the credit bureaus as it has been closed on XXXX. But due to the lack of training the representative I spoke with between XXXX my account is being reported in error because of that reason. On XXXX me and the manager fixed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (I do not know) with Resurgent Capital Services L.P. (HI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This account is showing up on my credit reports but I don't know what it is for. I have sent two letters to this company and have not received any form of correspondence back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX card claims I own XXXX but I never opened this account someone was making payments from a XXXX XXXX account but I got a letter from XXXX XXXX stating I never had a account with them If I got This letter XXXX card said they will delete this tradeline as stated on the recording I have also further more I never contact XXXX card for a dispute about XXXX they are violating fcra law which is punishable by {$1000.00} Each violation

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 03-10-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loans got transferred Navient. So for a couple of years I have been going through such stress, trying to figure out, what are they doing with my payments. I have talked to over five different Account Managers, who tell me something different. They tell me that I am current one month, and then the next month, I am passed due. Every time I call the company and make a payment, I wind up getting upset! They have been mishandling my account for several months now! I would like for someone to give me a straight answer, as to what is going on at Navient? I was just told on XXXX XXXX, 2016 by XXXX XXXX at Navient, that my account was current. This month I called in to make a payment, and another Account Manager by the name of XXXX XXXX, says that XXXX was wrong, and that I am passed due! Someone please help! I am at my wits end! I thank you for your time and consideration. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I opened an account with wells Fargo in XX/XX/XXXX following a {$300.00} sign up bonus offer. The terms indicated that {$1500.00} in deposits for 3 consecutive months were needed to qualify for the bonus. I did so inXX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX. InXX/XX/XXXX I contacted Wellls Fargo to make sure I met the requirements. The rep stated that I did and that I needed to wait 45 days to see the bonus in my account. In XXXX I called back and was told to wait while they do research. After a few emails a person from the executive office called me and said that she can see DDs on my account but she needed to " research '' further. That was last week. the case number is XXXX.

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 01-03-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: Wired {$10000.00} USD from Coinbase, Inc onXX/XX/XXXX to my personal bank account which I have done before. 

Showed wired was completed onXX/XX/XXXX. 

It is now XX/XX/XXXX and still no money. I have called coinbase everyday and nobody answers. I have called XXXX XXXX in New York who supposedly does their wiring and they have no knowledge of the wire. 

I have opened numerous cases with coinbase support only to get automated messages saying they will respond and they never do. 

Have all screenshots and documentation showing completed wire from Coinbase to my bank and where they even charged me for the : completed '' wire. 

Please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ProCollect, Inc (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I submitted dispute letters to Experian, Transunion, and Equifax on XXXX/XXXX/XXXX regarding collections accts that I did not recognize and did not receive a credit report showing investigation results or any other type of correspondence letting me know the status of the items I disputed.

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 04-11-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I had a credit score with Equifax of XXXX on XXXX/XXXX/2016. On XXXX/XXXX/2016 I have a credit score of XXXX. The only thing that has changed is my address. These people at Equifax took XXXX points away from my credit due to I changed my address. Hey I would like to file a lawsuit and actually received some proper resolutions from the consumer credit agency. This is crazy. I want justice and I want it today. These people can not take XXXX points off of my credit due to I changed my address. What XXXX is really going on here. Please ask this Equifax credit agency why are they taking XXXX points away from someone XXXX credit score because they change address. All of my bills have been paid on time, nothing late and nothing has changed except my address. They need to give you, me, somebody a explanation of why they took XXXX points off of my credit and all I did was change my address. Is someone trying to buy something I do n't know about. They need to reveal why they took the XXXX points, or else put them back today. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 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: Information belongs to someone else

Complaint: Hi I am having big problems with = Experian. com, on = Fraud & Thefts, Embezzlements, to my Credit Reports from them, a criminal group have been, racketeering off me? plus I have a, DA victims crime bureau case, just got ta fill out, Docs, plus got a Investigation Board in my Room, on this Group, I, m ex law enforcement,. 

The, Experian, Co, said I had = over = 26 Accounts of Fraud & Theft, done by, loans, advances, lines of credit, credit cards, purchases on files, I Got police Case on Experian, XXXX, XXXX, Clarity, I would like your Co, to get these All Legal Accounts, of fraud & Theft, and I give you permission, to collect my Financial Losses, from Every one Accounts please, By Laws & Regulation codes, penals, my = Bank Statements I have = they will be submitted today seperatly for all credit co, s on file and totals ok, any problems email me or call? my reasons why I do n't call or ask them, I, m sure there playing games here with my owed losses of acc, its a big mess = I got fraud & theft in almost every subjects by

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