milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My home caught fire on XXXX/XXXX/2016. The insurance settled in the amount of {$86000.00} which was less than cost of estimated restoration.When informed, XXXX from M & T Mortgage Loss Draft Dept., suggested that I payoff remaining principal on mortgage first and remainder will sent back to me to repair house. I signed check and mailed to M & T bank as directed by Loss Draft Dept., According to USPS, the check was received and on Wednesday XXXX XXXX, 2016. Till date M & T has refused to inform me when the balance of settlement check will be returned to me. In the meantime, I am suffering further losses in my house due to theft and vandalism. 
Note prior to sending the settlement check to M & T bank, I called its payoff department requesting a payoff amount for a future date of XXXX XXXX, 2016. I received a fax stating payoff as {$20000.00} if paid on or before XXXX XXXX, 2016. This date is exactly seven business days after M & T bank received check from me. I am afraid M & T bank is trying to take advantage and not close my account on time and in the process may ruin my good name. I have inquired of M & T bank 's Loss Draft depart., and also Customer Service Dept. , and received the same answer " We are working on it ''. 
I would like M & T Bank to credit payoff amount within 7 business days of receiving check and send balance back to my mailing address of record.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (NC).
Issue: Problems when you are unable to pay

Complaint: Constant contact from Gateway One Lending to cellphone, employer, family, and friends. In one month contacted job over 50 times and left 32 voicemail on cellphone. Gateway has been advised previously on 2 occasions not to contact me anymore regarding debt, especially not at place of employment. On XXXX/XXXX/15, XXXX with Gateway told the receptionist at my job that he need the office manager to provide him my employment information so that he can Garnish my wages. He has repeatedly contacted my employer pretending to be someone other than a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Mortgage (Conventional home mortgage) with Statebridge Company (GA).
Issue: Trouble during payment process

Complaint: I have made three requests for the PMI Insurance to be removed from my primary mortgage. Two have been in writing and one verbally. Every time I inquire about this, they claim they 'd not received my request and to send again. During our latest conversation, they 'd requested that I submit another request. Clearly, this company has no intention of following the law according to The Homeowners of Act of 1998. I am asking that the company, Statebridge, be compelled to follow the law. Statebridge Company XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Deposits and withdrawals

Complaint: I made a mobile CHECK DEPOSIT on Saturday, XXXX XXXX, 2015 & my bank released {$200.00} the following business day. However, the remaining funds are supposed to be available on the 5th business day which would be XXXX XXXX, 2015 and still a hold is on the funds in my account. I contacted my bank and asked them to release the hold and they said the hold will not be released until XXXX XXXX, 2015. The check I had mobile deposited actually cleared on XXXX XXXX, 2015 ... ... .it is now XXXX XXXX, 2015 and they will not release the hold until Monday, XXXX XXXX, 2015. I even asked if they could release {$200.00} for the XXXX weekend and still I received no help in resolving my issue/problem. This is the third time this has happened regarding a mobile deposit. XXXX out of XXXX I was able to get a supervisor to release the hold so I know that they are able to do this and its not like I am being dishonest here. I will attach a copy of the cleared check as well. My employer gave me a copy of the check clearing on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with First Investors Financial Services Group, Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I PREVIOUSLY HAD A LOAN WITH XXXX XXXX XXXX FOR A XXXX XXXX. THE CAR WAS REPOSSESSED IN XX/XX/XXXX. I NEVER RECEIVED ANY NOTIFICATION OF THE CAR BEING SOLD ; NOR WERE I ABLE TO RETRIEVE ANY OF MY PERSONAL BELONGNGS THAT WERE IN THE CAR FOR MY XXXX KIDS AND I. I RECENTLY CINTACTED FIRST INVESTORS ; THEY STATED THAT THEY WROTE OFF THE LOAN ON THEIR TAXES AND SOLD THE DEBT TO " XXXX XXXX  ''. WHEN I CONTACTED XXXX XXXX ON XX/XX/XXXX FOR DOCUMENTATIONS AS OF HOW MUCH THE VEHICLE WAS SOLD FOR. THEY STATED THAT THEY DID N'T HAVE TO DISCLOSE ANYTHING TO ME. TODAY " XX/XX/XXXX '' ; XXXX XXXX XXXX XXXX. CHECKED MY CREDIT ; WHICH I DID NOT AUTHORIZE. I CONTACTED THIS AGENCY TO LEARN THAT IT IS " XXXX ''. I WAS TOLD THAT THEY DO N'T HAVE TO GET MY PERMISSION TO RUN MY CREDIT, AND THAT THEY ARE GOING TO SUE ME. YET, THEY REFUSE TO VERIFY THE DEBT ; I HAVE SENT EMAILS, AND CALLED SEVERAL TIMES TO NO AVAIL. THEY ARE ILLEGALLY RUNNING MY CREDIT INFO, AND FIRST INVESTORS REFUSE TO REMOVE THE DEBT BEING THAT THEY SOLD IT TO THIS COMPANY.

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 11-12-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a clients packet twice, the third party authorization was sent over three times via the fax number ( s ) provided by the customer service representatives. The last customer service representative XXXX, informed me to resend all of the documents to ANOTHER fax number. The number XXXX gave me was a completely different number the number the other XXXX XXXX XXXX gave me. XXXX was asked several times if I could speak to the XXXX, or given the managers phone number or email XXXX refused. XXXX finally said this is n't the " place '' you emailed those documents to, let me transfer you. '' I was then transferred back to the Receptionist who transferred me to XXXX who informed me his manager XXXX XXXX was not available. I explained to XXXX that I had forwarded the RMA to them three times. A clients personal information was sent via FAX three times and was transmitted to someone, and I was not going to send that CONFIDENTIAL INFORMATION again until I spoke with a supervisor. I then asked why are the CSR 's NOT giving out the same fax number? He said he does not know, he then placed me on a brief XXXX minute hold and told me to MAIL a complaint to Nation star Mtg. LLC and rattled off their physical mailing address. I then asked XXXX XXXX # XXXX to transfer me to the Loss Mitigation Department, he then informed me, '' Although you faxed a loss mitigation packet over as well as a third party authorization, you FAXED IT TOGETHER and the loss mitigation department will NOT acknowledge it/ upload the third party authorization because it was not suppose to be sent to them. '' XXXX was asked to repeat him self. He did just that ... I was instructed to resend both do then asked XXXX to see if some one in loss mitigation was available, ( this call began at XXXX XXXX, as I type I am still on hold, it is XXXX XXXX. ) I was then transferred to a XXXX rep, who gave me another number to fax the third party authorization. Told me she could not help me any further and hung up on me. I then called the client and she was informed by the lender Rep XXXX XXXX that she had not received a submission/RMA from XXXX XXXX XXXX XXXX PA and to resubmit another packet. Attached is proof of transmittal as well as proof of another RMA submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Capital One pushed their payment protection company services on me when I became a consumer of their product. Once I was laid off from my job, this service did not step in and make the minimal monthly payments as it guaranteed to do and Capital One reported late payments to the credit bureaus for each of the months the service did not make the payment. Capital One has since discontinued their payment protection program and credited my account for each month the program did not pay as it should have. I have since closed my account with them, but they have not updated the late payments which never should have taken place as it was the responsibility of the plan to make all payments during the time of my lay off. Capital One assured me by phone that this would be corrected more than one year ago. I have continued to suffer due to the numerous late pays inaccurately reported by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Credit card () with DISCOVER BANK (TX).
Issue: Other

Complaint: Case number : XXXX. I am following up on this case number. I have attempted to contact Discover Card contact but have not received a return call. 
The response has not been in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-09-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I am not satisfied with the response : re-open XXXX YOUR COMPLAINT I am writing to request an investigation be done on Wells Fargo Bank. It is my confirmed belief that I have been victimized financially by unethical banking practice contrary to consumer protection laws and electronic account manipulation. I opened account XXXX/XXXX/XXXX for sole purpose of paying my mortgage and mortgage related escrow only. Wells illegally crosslinked my XXXX XXXX XXXX XXXX XXXX XXXX XXXX account to this Wells checking account without my knowledge or consent to generate enormous fees for themselves and cause my XXXX XXXX XXXX account to be closed. I had never authorized the Wells checking account to be linked with XXXX neither to Wells or XXXX At that time I was utilizing my XXXX checking account with my XXXX  XXXX XXXX. I had discovered the problem between XXXX XXXX, XXXX and XXXX XXXX, XXXX while making a small purchase at XXXX with my XXXX card. The cashier informed me my XXXX card was declined because of insufficient funds to my complete surprise. The date of this illegal crosslinking according to the XXXX  representative I spoke to from their corporate headquarters was on XXXX XXXX, XXXX at XXXX The result of this action by Wells generated fees in the amount of {$530.00} and nine letters being sent in one day to my address. I believe this also had an adverse effect on my escrow account, another deliberate attempt on the part of Wells to disrupt my mortgage with 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 explanation
Consumer complaint received 03/15/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (WA).
Issue: Managing, opening, or closing account

Complaint: My card/account was lock, and according to an email i got was because of unuasual activity and i was asked to call the XXXX #. After i did they dont even know why my account doesnt work and was told that it will be scalated to a diffrent department and it would take 24hr-48hr. That was on XXXX/XXXX/2016 when i frist called, it is now XXXX/XXXX/2016 and when i keep calling they keep telling me the same thing. Not to much urgency in fixing the issue or letting me know what happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: state laws changed in XX/XX/2017 regarding child support reporting and I have requested to have information removed from all three credit bureaus child support is not a contractual debt, no services or products were given and amounts are not determined as such and should be removed from credit files. All 3 bureaus refuse to remove account ; they are using a computer system to verify debt which is invalid I have receive documents from Dept of Human Services and Courts stating that they do not report public records to credit bureaus so if the information isn't getting verified from the source who or how is it getting verified. Along with Illinios DCFS  these account are invalid for same reason I do not have contract and these items do not belong to me : XXXX XXXX, XXXX XXXX, XXXX XXXX and 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 05/25/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IN).
Issue: Account opening, closing, or management

Complaint: I opened a citi bank gold checking account with a coupon code for XXXX XXXX bonus point if I complete the requirement for the bonus. I met the requirement got the confirmation from citi that I will be given the XXXX XXXX point in 3 month. But after three month. Cit told me that they will not honor what they said adn will not give me the XXXX XXXX bonus points. 
I ask citi to honor the promotion and give me this bonus code.

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 05/13/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: i have a sole proprietor business and file tax extensions every year due on XXXX XXXX the state of California filed a {$1200.00} lien on my home in XXXX 2010? my accountant figured my state tax burden of {$230.00} which I paid and the state released the lien still showing {$1200.00}, I had visited the state tax board twice and told oops sorry that was a mistake, I ask for a letter to send to the county and credit reporting companies but again they say sorry I will have to dispute so that they can be removed, XXXX removed the negative info but XXXX and Equifax have not and have been disputing every year since 2010 I do have the documentation showing the error and have sent to credit agencies with no success

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX was once deleted on all XXXX credit reports ( XXXX, equifax & XXXX ) and now i see that they are back. Please delete XXXX XXXX from all XXXX bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having XXXX XXXX removed from all three credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (I do not know) with Stallings Financial Group, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Stallings Financial sent me a letter stating I owed them money in late XX/XX/XXXX I en turn wrote them within 30 days to validate the debt. I never received any correspondence from Stallings validating the debt. I sent another letter in XX/XX/XXXX stating I had not received any validation of the debt. Stallings Financial sent a letter dated XX/XX/XXXX stating my dispute was frivolous. I have not received any documentation stating the debt is valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I enrolled at XXXX University 2008 ; I inquired with XXXX about cost, ways to reduce cost, ways to complete school faster. The intake person was not completely honest ; she said I would graduate in two years using transfer credits and life credits. This was not accurate. She failed to tell me that life credits are not free that they must be paid for out of pocket, and that I did not have enough credits to graduate in 2 years. Once I discovered the fallacies I was already in for almost 2 years, so felt I should continue. Once I graduated I had a debt of XXXX and my loans serviced by XXXX XXXX, now Navient. I called them repeatedly for assistance in repayment options ; they kept putting my loans in forbearance or deferment, without letting me know that interest was accruing. My student loans are now at XXXX ; I will never be able to pay this off. We will have to sell our home to help pay this off so we do n't take this into retirement. I am so disappointed that I was not given accurate information and assistance from the beginning. Is there any recourse for this ; I am more than willing to pay for my original loan, but all the interest has doubled the amount. I am not sure how to even begin at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: First, this complaint is n't about XXXX. It is about TransUnion. 
I 've have a credit freeze on my TransUnion account for many years. A company that I wanted to do business wanted to access my credit report. So I called TransUnion and had them temporarily remove the credit freeze but install an access code. I specifically asked whether anyone would be able to access my credit file without the access code and was told " No. They must have the access code. '' About XXXX minutes later, I decided to go to the XXXX website and get a copy of my TransUnion credit report. XXXX did not ask me for my access code ( instead asking me a few questions about prior addresses, etc. ) and did provide me with a TransUnion credit report. This means that TransUnion sent them my credit report without my access code being provided. I called TransUnion immediately after this and verified that I do have an access code. However, they told me that a company asking for my credit information does not need the access code to access my credit report. ( They said that most banks have configured their software to recognize that an access code has been set so that they can ask the customer for that code, but the banks do n't have to do so ). So basically, an access code would provide no protection if the inquirer did not care to honor it. As far as I 'm concerned, TransUnion made a fraudulent claim about how the access code works.

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 02-01-2016 about Money transfers (Domestic (US) money transfer) with CAPITAL ONE FINANCIAL CORPORATION (VT).
Issue: Fraud or scam

Complaint: This happens at all financial institutions and has been a major XXXX of contention for many years. I send in a deposit or I set up a transfer and it takes WAY too long. I am losing interest while my money is XXXX knows where.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I never open an account with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Federal Adjustment Bureau, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a a unverified account from FABCO # XXXX. I had previously disputed this account. I have never done business with FABCO. Pursuant to the Fair DebtXXXX Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that FABCO Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FABCO Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I ask them to identify themselves when they call. They refuse to answer my question. Then hang up call me 4 times a day. I made it clear that I do not owe anyone any money and they can communicate with me by mail. They do n't even have a valid debt to collect on. I would like to take legal action against them for unlawful harassment. My number is on the do not call list as well.

Company response to consumer: Closed with explanation