vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
There was a representative from M & T Bank at the closing ; and I have been making mortgage payments to M & T Bank since I closed on the apartment. The HUD-1 ( see attachments XXXX & XXXX ) a copy of which was received from M & T Bank states that {$110000.00} was received as new loan from XXXX and {$7500.00} as XXXX XXXX also from XXXX. These amounts are also stating on other documents received from M & T Bank ( see attachments XXXX & XXXX ). Therefore the total that should have been received from XXXX is {$120000.00} ( {$110000.00} + {$7500.00} ). Instead XXXX provided XXXX checks totaling {$110000.00} ( {$59000.00} + {$58000.00} ). The seller was paid {$59000.00} and the Bank owning the current mortgage on the property was paid {$58000.00} ( see attachment XXXX ). These checks are also mentioned in the letter dated XXXX XXXX, 2016 from XXXX in which it stated that " we are also enclosing copies of the checks from XXXX, which were requested by and provided to your attorney '' ( see attachments XXXX & XXXX ). 

This means that there is a difference of {$8400.00} ( {$120000.00} - {$110000.00} ) before the payment of closing costs. Assuming an average closing costs of {$3000.00} for the purchase of a co-operative - this means XXXX is overstated by {$5400.00} ( {$8400.00} - {$3000.00} ). 

Another way to calculate the overstatement of my mortgage is to use the closing costs documented on the HUD-1 which XXXX stated is the final accounting for my mortgage. The total closing costs on the HUD-1 is {$6000.00}, so clearly there is already a difference of {$2300.00} ( {$8400.00} - {$6000.00} ). The total closing cost of {$6000.00} includes amounts that were never paid and {$2000.00} which was paid by another XXXX. There is a {$300.00} for review of recognition that was never paid and a {$1000.00} for settlement fee that have not been paid. My attorney stated that the {$1000.00} was a bank charge and it had nothing to do with him, however, in the letter dated XXXX XXXX, 2016 from XXXX, it is stated that the {$1000.00} is my closing attorney 's settlement fee and that it was made payable to my closing attorney. This is disturbing ; my attorney said he had nothing to do with this {$1000.00} and XXXX is telling me they paid it to my closing attorney. WHO SHOULD I BELIEVE? 

Therefore, adjusting the closing costs on the HUD-1 this indicates that XXXX mortgage is overstated by at least {$5700.00} [ {$8400.00} - ( {$6000.00} - {$2000.00} - {$300.00} - {$1000.00} ) ].

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
After a previous complaint on XX/XX/XXXX regarding the amount of time M & T Mortgage was taking to complete the foreclosure on my FHA-back property, the bank moved very quickly to convey the property back to HUD. I followed up with the FHA Resource Center on the status of the matter, and on XX/XX/XXXX, I received the attached communication confirming the conveyance of the property and that the insurance claim for the house was paid on XX/XX/XXXX. As you can also see, FHA is requesting additional information to support my request for a CAIVRS Suppression, because they are using the XX/XX/XXXX date to start the 3 year wait before I can qualify for another federally-backed mortgage ; not the actual foreclosure sale date of XX/XX/XXXX. 
I immediately contacted M & T Mortgage requesting a disposition of the account to include 1 ) the foreclosure sale date, 2 ) the date the property was conveyed back to HUD, 3 ) the date the insurance claim for the mortgage was paid to them, and 4 ) what, if any is their financial interest in the property or me as of the date of my call in an effort to add that to my request for a CAIVRS suppression. On XX/XX/XXXX, I received to attached communication from M & T saying they could not honor my request, and referred me to the XX/XX/XXXX document, also attached, but clearly no longer relevant in light of the recent actions on the account.

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 2016-01-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Atlantic Credit & Finance, Inc.
State: AK

Complaint narrative:
My domestic Partner an I ( XXXX XXXX ) have been severely harassed by Atlantic Credit & Finance of XXXX, VA for a credit card debt that has been previously paid. XXXX carefully explained this to Atlantic and have received several calls demanding payment. Even when he provided banking evidence of XXXX cleared checks that paid off the debt, he still received harassing calls. Atlantic never contacted the original credit card company, XXXX Bank, to confirm that they received an deposited the checks. Their collector 's demeanor has been condescending, illogical and demeaning. XXXX individual, XXXX XXXX, was particularly rude. It appears they are trying to get compensation from anyone for whatever effort they have expended.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Atlantic Credit & Finance, Inc.
State: MO

Complaint narrative:
I am being garnished for a credit card from 2008, the amount said to be owed is XXXX with fees and such the grand total to be XXXX. However when I called Atlantic Credit and Finance XXXX informed me that I had XXXX accounts that were all paid in full. I have been garnished on this debt for a year. I can not get in contact with anyone that knows what is going on with my account. I do n't understand why I am being garnished for debt that was paid in full.

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 2016-11-25 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
This is ridiculous and unacceptable. My card got STOLEN, and XXXX & TXXXX Bank made no attempt what 's so ever to contact me through phone, or direct message to my mt bank account. This is crazy I ca n't trust a bank to help me, when indeed my card got stolen and funds taken out!! Of course the transactions were processed correctly, because the money came out the atm, but not into my hands!! I am complaining about my money being stolen, and I need my money back asap!! I work too hard, and with my dad just passing away all this is crazy! I will need resolve to this problem soon, because I will seek further means to get my money back. This is bad business, and banks practices in not helping their customers new or old!! I will contact the consumer financial beraeu, and keep going from there to get my resolve. I am here waiting and thinking the bank is helping me, and instead you do n't notify me until I called or messaged you guys. SICK! YOU WILL HEAR FROM ME EVERYDAY, until this fixed. They said they sent a letter the XXXX that I never got! They did n't call or anything for additional info, they say 10 days to issue a credit, but do their process in 3 days dending your claim.How is that right. I dint have a police report, because the kid who stole my money got fired on the spit for stealing. They have all these terms that as a customer you have XXXX liability for fraudulent charges, yet nothing is done to help me. At that they keep charging my account fees! How is this right in any way?! I will pursue them everyday until I get my stolen money back.

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 2015-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JP RECOVERY SERVICES, INC.
State: OH

Complaint narrative:
JP Recovery Services keeps calling my phone asking for someone named " XXXX '' at XXXX. I receive at least two calls a day with a robo recording. I answered once and was told by a representative that my number would be removed from the list. My name has not been removed and therefore I consider this harassment. I have no relation or knowledge of who they are trying to contact. I have had this number for a little over a year and have been receiving this calls this whole time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I was in active review for a loan modification since XXXX/XXXX/XXXX ( see attached, email receipt from M & T Bank acknowledging a packet has been received ). I had complied with all of the document requests ( see email chain between my counselor XXXX XXXX and M & T Bank, XXXX XXXX was sending the documents through the portal on my behalf ). As you can see, M & T failed many times to respond to XXXX requests for updates on my loan, and when she tried physically calling to M & T bank since she was n't getting written responses, M & T Bank told her they did not have authorization on file, when it was faxed to them once on XXXX/XXXX/XXXX and again it was sent with the packet submitted through Hope Loan Portal on XXXX/XXXX/XXXX. There were so many delays on M & T Bank 's part that XXXX XXXX had to get a 3rd party involved to try to force M & T Bank to respond ( those emails are also attached ). 
XXXX XXXX had to refax the authorization form twice in XXXX XXXX after trying, but failing to get an update on my file. She refaxed the authorization form to M & T on XXXX/XXXX/XXXX, and they said they did n't get it, which caused another delay. She then tried emailing again though Hope Loan Portal to no avail ; then refaxed it on XXXX in desperation. M & T finally received that one ( I have an acknowledgement letter attached ) and then told XXXX XXXX the house had already sold at foreclosure auction on XXXX/XXXX/XXXX. 
My house sold because I did not have a copy of my pension award letter ( you can see that was the last thing they wanted ) - I could not get it that fast because the award letter had to be mailed, my pension benefits department would not fax it to me. M & T did nothing to help stall my foreclosure sale date even though they were only waiting for ONE document, and they had plenty of time to try to stall the foreclosure to help me get my documents to them. They also caused numerous delays, as you can see, by not responding to update requests in any sort of timely manner. My house would not be sold if they were doing their job in helping me delaying the foreclosure by a few days to allow me to get a copy of my award letter. I complied with all of their requests and unfortunaltely I could n't make my pension benefits department " hurry up ''. Even though they did n't have the actual award letter, I did send them the pension statements I get in the mail each month and the amount clearly does not change ; also my bank statements I sent to them every month show the same pension deposits every month - unchanging. Despite all of this, M & T kept moving forward with foreclosure because I did n't have the ACTUAL award letter even though they see it stays the same every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This item is inaccurately reported on my report for a while now under XXXX BKPT CT FL XXXX I 've contacted Equifax in writing and requested a permanent removal to this item since it 's inaccurate, they mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature or legal documentation that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX BKPT CT FL XXXX wo n't give me any answers or access to learn about the account since it 's confidential, they also advised me that the Bankruptcy court does n't report to any credit bureau period. 
I 'm writing to CFPB today requesting to press a serious action against Equifax for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my report with no reinsertion even if the same debt/item comes back with different entity discerption. 

the public record info is the following : XXXX BKPT CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX identification # XXXX reported as Chapter XXXX Bankruptcy Discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
RE : XXXX-XXXX. 
On XXXX I have talked to Wells Fargo Waiver dept regarding non-drivable vehicle, due to accident, insurance cancelled without notice and Bank Stated there will be insurance on the vehicle and charge me additional premium on top of my regular auto payments. The representative ( XXXX at XXXX ) asked me to send ( via fax XXXX ) the null letter from Insurance company with the date of loss AND WELLS FARGO WILL DO A WAIVER FOR ME. I was advised, that Bank will send an adjustor to look at the damages, prior to mechanic/auto body shop working on it. Vehicle had been sitting at the auto body shop. The shop also contacted bank and no response received from the bank. 
I have made several calls, sent fax and also sent documents by visiting to physical Wells Fargo location in XXXX during my car payments. It 's been a year and no one responded to this matter or my questions. My payments had never been delinquent despite of the situation. 
Last month, I stopped payment, so the bank could contact me. When it became 29days past due, the bank contacted me. I have asked representatives to look into the matter as stated above. Representative became rude and could not help me, as her department was different, she failed to contact correct department to research the matter. Later bank called me again several times, I picked up the phone and they hang up without speaking to me. 
I need to understand where is the customer service to resolve issues? Why such matters can not be directed to the correct department in order to solve situation rather than incur more debt, ruin credit worthiness and letting client pay storage fee. When do I get a waiver on such?

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 2016-10-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WV

Complaint narrative:
Signed up for secret shopper, got a money order for XXXX followed instructions cashed done shopping then made a money transfer for XXXX to XXXX XXXX XXXX XXXX California XXXX. Two days after get new assignment with monet orders totaling XXXX at which time I got concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NE

Complaint narrative:
My father wired me {$20.00}, from XXXX in the middel XXXX ; while I was in the XXXX. I for got and drove back to XXXX without picking up the money. I have tried to get my money for the last 20 years. I was told that my dad would have to write for it. My father is at this time my father is in his XXXX. I told them it was sent to me I should be able to pick it up and why have n't you sent it back to the sender? I was then told that I would have to go back to XXXX in order to get the money. That no matter what the money has to be picked in the state it was sent to. Then as time went by Money Gram informed me that I ca n't pick the money up no matter what I do, and I might as well let this situation go unless I get my father to write and request the money, I will never get my money. They have refused to even be civil about the situation amd extremly rude, and hang up on me. Money also refused to tell me where to file a complaint. I just happend to see this on a money gram recept. I found myself wondering how many other people this has happend to!! And it is a issue that should be looked into. My dad is now XXXX years old, at the time the money was sent he was in his XXXX 's. And for awhile we were so frustrated with how we were treated. Even when I asked to please have a written policy sent to my email so that I can see for myself why I could n't pick up my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION
State: OH

Complaint narrative:
Earlier in XXXX someone changed my address and received my XXXX check then deposited it into her sole bank account at which time she was credited the money. The bank was made aware of the situation and still in XXXX XXXX the bank has not returned my funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
This is related to a previous complaint that I filed, # XXXX. I received a response from M & T bank which did not address any of the concerns I raised or provide any information that I requested, which I have attached. M & T has informed me that I am required to comply with their policy compelling me to provided personal information, but yet refuses to provide me with that policy. I have expressed concerns about the security of any information I provide and if that information will be shared with external agencies. A representative of M & T has verbally told me that my information is for internal use only but will not but that assurance in writing. I have asked for specific law citations that require me to provide information, but M & T refuses to provide me any citations, but has continually provided me general references in response to my numerous inquiries. M & T has continually provided false and misleading information to me throughout this ordeal and has repeatedly threatened me with the closure of my accounts if I do not comply with a policy that they refuse to provide that is based on laws that they refuse to cite.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Atlantic Credit & Finance, Inc.
State: TX

Complaint narrative:
Threating that I would get a letter from lawyer. I spoke with original debt and they stated I could pay them for my debt.

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 2015-09-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Hudson City Savings Bank delayed or colluded to delay our conventional mortgage application to force an increased rate - the very highest in the nation currently - even though applicants/buyers are of the highest credit standing, for a total cost increase of more than {$55000.00}! 
We applied for a conventional mortgage in XXXX, finalized in XXXX but a closing date was not set until XXXX XXXX. There are no credit issues with the buyer or issues with the property. Buyers have excellent credit and full financial resources to meet any bank requirement. The loan was placed through a mortgage broker, XXXX, since he helped provide pre approval rather than our bank, XXXX whom we have an excellent relationship with. All papers were submitted to Hudson City by XXXX XXXX. Clear to close was not given until XXXX XXXX. 
Upon speaking with a XXXX at the closing office I was told it was my own fault because there is a clause in the mortgage contract, separate from the mortgage contingency, that provides for the sellers to have three weeks AFTER clear to close so they can move. XXXX at Hudson City said she discussed this clause at length with our attorney and that it is our own fault for signing the contract. The deal of four business days will cost us {$26000.00}. Hudson city, had full knowledge and deliberately delayed as is evidenced by their representative 's remarks about our signing the contract. Such behavior is disputable and unacceptable. We are consumers and trust the bank we apply to be honest and forthright with us. We also hire an attorney to protect our rights. Neither has occurred thus far. 
Closing is set for XXXX/XXXX/2015 with the rate lock running out on XXXX/XXXX/2015 allowing Hudson City to charge a higher than industry standard rate by a full half percent - or more than {$55000.00} over the life of the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DataMax Corporation
State: FL

Complaint narrative:
This. company Interstate Credit Co appears on my credit report for {$770.00}. This debt does not belong to me - I have been XXXX XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX I received a alert on my credit file of a medical collection from a company named Collection Associates for a XXXX XXXX Hospital. There are XXXX separate collections on my report from them XXXX in the amount of {$210.00} XXXX in the amount of {$370.00}. I did not think I owed any money to them so I called them. They asked for my social security number and name. The representative said I have NO record of you owing us any money. I said well can you remove the XXXX collections from my report she said nothing she can do because she has no record of me owing any money. So i called my bankruptcy attorney he said to give you guys a call to resolve this issue ...

Company response to consumer: Closed with explanation