milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2016 about Mortgage (Conventional fixed mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have written this company at least 10-12 times in the past two years inquiring about the status of account # XXXX. I also disputed the accuracy of this account through the XXXX major credit reporting agencies. The bureau responded every single time ( 09X ) stating that Vanderbilt Mortgage stated they are reporting accurately. However, they are lying because the amount they stated that I owe is not correct and nor is the date of status ( my last activity ) on the account accurate. They never notified me that they sold the mobile home nor the amount that they sold it for. The amount I owe should be less whatever they sold the home for. This should be the amount that 's reported on my credit file. I have contacted this company via the credit reporting agency asking for a debt validation regarding this account # XXXX. However, I have n't received a response. They still manage to keep reporting it on my credit profile every month even though they have not validated the debt. At this time, I am asking this company officially to validate this debt by sending me a copy of the contract which contractually binds me to pay the debt as being reported on my credit file. I know my rights have been violated because the FCRA states that they should report the information accurately and to report inaccurate information is a violation of my consumer rights and I can hold them accountable in civil court per the Florida Rules of Civil procedure Rule # 1.130. In addition, you should take note that re-aging this account is illegal. The FCRA Compliance Date is the official beginning of first date of delinquency which can not be changed once an account is charged-off. The 7-year clock begins 180 days from the time I FIRST missed a payment. Once a charge-off or collection account reaches seven years the credit bureaus must purge the account and it will no longer appear on future credit reports. This date from which the collection must be removed is informally referred to as the " purge from '' date. Re-aging a delinquent account is a serious violation of the FCRA. An original creditor or a debt collector may engage in illegal re-aging on the same charged-off account. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance. If this request is not met in approximately twenty working days, I will have no choice but to contact a consumer attorney in hopes to resolve this issue. I have tried for months to be civil in hopes of reaching a mutual resolution, but to no avail. The company has chosen to practice illegal and unethical tactics in an attempt to get me to pay a debt that should have already been resolved. Please govern yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Bank account or service (Checking account) with BANCORPSOUTH BANK (MS).
Issue: Deposits and withdrawals

Complaint: BancorpSouth charged a debit to my account that I did not authorize. I was charged a {$36.00} Insufficient fund fee from BancorpSouth for this.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CREDIT BUREAU OF NAPA COUNTY, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : Your Client : XXXX Your Client Acct. No. : XXXX Chase Acct. No. : XXXX Disputed Amount : {$37.00} VIA FACSIMILE XXXX, CERTIFIED MAIl CERTIFIED MAIL CERTIFIED MAIl XXXX and US Mail and US Mail Chase Receivables XXXX XXXX XXXX CA XXXX Dear Debt Collector, I am writing in response to your dated XX/XX/XXXX ( copy enclosed ) because I do not believe that I owe what you say I owe and that it is my responsibility to pay. 

This is the first I 've heard from you, therefore, in accordance with Section 809, The Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe, please provide a copy of all itemized procedures performed and supplies used ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide me with authority or section of the contract between XXXX your client that I, the patient am responsible to pay for items not delivered. I did not receive any Medical Records. 
Provide a verification or copy of any judgment if applicable Identify the original creditor address Show me that you are licensed in my state, and provide me with your license numbers ; I also demand that you immediately send a copy of this dispute letter to the company that you say I owe money to so they are aware of my dispute with this debt and the reason I have not paid them because I have not received the Medical Records I asked for. 

Please hav your creditor XXXX proff of delivery of said Medical Records. 

I further demand that, if you have reported me to a credit-reporting agency, you inform them that I have placed the debt in dispute and provide me with proof that you have done so. 

Finally, stop contacting me about this or any other matter, except via mail, email and then only to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions such as pursuing court actions. 


Thank you, XXXX XXXX for XXXX XXXX Date : XX/XX/XXXX Reference USPS Certified Mail : The following is in response to your XX/XX/XXXX request for delivery information on your Certified Mail/RRE item number XXXX. The delivery record shows that this item was delivered on XX/XX/XXXX at XXXX in XXXX, CA XXXX. The scanned image of the recipient information is provided below. 
Signature of Recipient : Address of Recipient : Thank you for selecting the Postal Service for your mailing needs. 
If you require additional assistance, please contact your local Post Office or postal representative. 
Sincerely, United States Postal Service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Manhattan Beach Venture, LLC (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe Student Loan Relief Department " SLRD '' any money as they did not apply for a loan relief or any other services for me but I applied myself and as a matter of fact they do not have my wife 's SSN which is necessary to apply as we file taxes jointly. XXXX XXXX, XXXX XXXX, and XXXX XXXX know that I do not owe any money and slrd never applied for me and I have email proofs from them. This happened many times before slrd or their collection try to collect this money from me and when I contact them they say it was a mistake and no one will contact me any more then few weeks later they come back and try to collect the money again. Please check their F rating in BBB and their failure to respond to any of the complaints filed against them. Please help thousands of students this company trying to rip off by stopping their illegal practices to collect money they are not entitled to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 11-07-2016 about Debt collection (Payday loan) with Sokaogon Finance, Inc. (NM).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The collector has been contacting before XXXX local time and after XXXX local time. I want the company to cease and desist all contact with me other than by US Postal Service.

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 12-12-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Other transaction issues

Complaint: I have had a paypal account in good standing linked to an ebay account in good standing for over 10 years. I sell on ebay, this is my living. I 'm a single mom of XXXX, and this is my sole income. Today, like every day before, I transferred funds, {$5200.00}, from my paypal account to another account in preparation to deposit into our business bank account. Every day I do this. However, until this weekend, I 've only had to transfer amounts up to {$2000.00} at once. I DO NOT KNOW that this is what created the issue. Today I transferred the {$5200.00} and it instantly became on " Paypal Hold ''. It did not show up in the receiving account nor was it available there for cancellation and it did n't show up in my paypal sending account so it could be canceled or available. Upon contacting Paypal, I was told that I needed to talk to their COMPLIANCE department and I was refused a contact number to get in touch with said department. I was also refused a reason as to why my funds were held. After repeated attempts to get information, I will still denied a way to contact the " right department '' within paypal and I was denied a reason for the funds being held. There has to be some protection for consumers. This is my money, its all the money I have, without it, I have {$12.00} in my bank account to care for me and my XXXX children. Why do we grow dependent on a banking or money transfer system for over 10 years and not feel comfort knowing our money is safe there? As I did, and now, instead, I am not able to access this money nor get information in regards to how to get my money back. 

The paypal account email address is XXXX. XXXX, XXXX, # XXXX. 

PLEASE help me with this. It does n't seem legal that they can seize our funds without cause and without any information. 



All of the below apply Money not available when promised Incorrect/missing disclosure or info Unauthorized cancellation Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (Auto) with BB&T CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: never received notification or not enough info to verify

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 03-10-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo continues to re-order transactions and delay deposits on my checking account. I reported them to you months ago with no meaningful action taken. Due to these corrupt banking practices to increase revenue for Wells Fargo through late fees, I go negative or I can not maintain a minimum balance in that account. Now, Wells Fargo is taking that information to try and reflect that I am financially irresponsible and applications for credit have been denied based on this slanted information. My non-traditional credit score is also determined by my bank account history. Not only have they made hundreds, if not thousands off of late fees due to re-ordering transactions and delaying deposits but now, they are ruining any chance I have at building credit or obtaining a loan. At what point is a banking institution truly held accountable? Never? How many fines has Wells Fargo paid for this very practice in different states? The answer is XXXX. Yes, I can leave the bank but the damage their practices have caused will follow me. I am revolted by the sheer lack of inaction and carelessness. Wells Fargo is preying on those most financially vulnerable in our society and nothing seems to stop them. I 'll leave you with a final thought, at what point, do the American people lose all faith in banking institutions because the corrupt are rewarded again and again for their corruption?

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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: SOME UNKNOWN PEOPLE OPENED UP ACCOUNTS IN MY NAME WITH THE COMPANIES ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX ) WITHOUT CONSENT. I HAVE ATTACHED A COPY OF MY POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On  XXXX   XXXX , a dispute letter to the   XXXX   credit reporting agency was sent to validate the accuracy of a bankruptcy and    XXXX    ju dgements. I never received a letter back but on  XXXX   XXXX , I called and checked the status of the dispute. I was told that the dispute was completed. The bankruptcy was verified and the judgments were deleted due to no validation. I asked who verified. I was told the bankruptcy was verified by the  XXXX   County Federal District Court . When I contacted the  XXXX   County Federal District Court , I was told  by County  Clerk,  XXXX   XXXX   XXXX , that the bankruptcy could not be verified due to not finding any information on me. I resent a re-investigation dispute on  XXXX / XXXX /   2017  and  XXXX  received the dispute on  XXXX  2017. On    XXXX  2017, I called again to check the status and again was told that bankruptcy was verified. I asked how was it verified and she stated that they do n't verify. They do n't look at any paperwork and that they depend on the computer system to verify any information received. No human eyes looked at the information/paperwork until it is labeled verified into the computer. So I asked, " did you actually talk to anyone and she stated no we do n't, just sent a transmission through the internet. which is a violation of the FCRA. It was all done in less than a day and without accurate verification. I would like this bankruptcy removed due to it being inaccurate and because validation was never received to report this error. This bankruptcy is not allowing me to become a independent person. I have to rely on others for my living situation due to this reporting on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Not long ago this collection agency placed a collection on my credit report. I disputed the debt with the credit bureaus and it came back " verified ''. I then sent this company a letter on XX/X/2017 requesting validation ( please see attached ) and they responded in a letter stating that they had researched and the debt is valid. What kind of response is that? The fact is, I have never had an account with a company called XXXX. Do they think because I am XXXX that they can do this? Do they think I 'm XXXX or something. Here are the other facts ; 1 ) I am a US citizen, 2 ) I am a veteran of our military, 3 ) I am a XXXX XXXX XXXX and lastly 4 ) They will NOT get away with this. They have chosen the wrong one to play games with.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I requested a loan modification from Green Tree XXXX GT ), which was processed in 2014. As a result, my interest was lowered, which helped a lot. But for some reason, GT increased my principle on XXXX XXXX, 2014 by XXXX amounts, {$8900.00} and {$1800.00}, a total of {$10000.00} XXXX Attachment XXXX ). I requested an explanation and GT sent some accounting statement which did not make sense to either myself or my modification officer. After numerous calls, GT is not giving any good explanation to those amounts. XXXX explanation I heard was my unpaid mortgage ( I believe I missed three months of {$1600.00} and the other three months were trial payments ( Attachment XXXX ( a, b, c, d ) ). This explanation does not make sense : a ) the amount unpaid is less than half the amount which was added to the principle ; b XXXX part of any mortgage payment is to payoff the principle, why would that also be added to the principle ( instead of reducing it ) ; c XXXX is it even legal to do so? I also had no lapse in property insurance coverage ( Attachment XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I needed to pay off my HSBC credit card placed at XXXX as a requirement for a new job. I needed to have the debt paid and provide a letter showing I paid the debt for my security clearance. I paid the settlement XXXX ands I agreed upon, however XXXX still shows the account with a balance due on my credit report, the letter I received does not state the account is paid off and I requested a letter stating on their letter head the account is payoff to provide for my employer and they refuse. I was told to use their website to show the balance is zero, but it only states I need to call to request information on the balance. I attached the screen shot. XXXX used deceptive, misleading and false statements to get me to pay off the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Bank account or service (Other bank product/service) with Google Compare Credit Cards Inc. (NC).
Issue: Account opening, closing, or management

Complaint: " Google XXXX XXXX '' calls XXXX or XXXX times a week to tell us we are in danger of losing our business opportunity. It is automated and SOOOO annoying

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: I have been trying to freeze my credit due to the XXXX breach and have been unable to do it online and over the phone. It 's frustrating that these companies have access to so much sensitive information, have placed so many at risk, and have made it so difficult for the public to actively protect their credit.

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 12/26/2017 about Mortgage (Other type of mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX, 2017 CHASE BANK WAS NEGLIENT IN PROCESSING MY LOAN MODIFICATION I SENT THE DODD-FRANK FORM IN 6 TIMES, IN THERE XXXX XXXX ENVELOPE AND EVERYTIME THEY WOULD SEND ME A LETTER STATING THAT THEY DID NOT RECEIVE IT. 

THEY LIED THIS FORCED ME TO SHORT-SELL MY HOME THEY ACTED IN BAD FAITH

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Struggling to pay mortgage

Complaint: In XXXX 2017, I requested assistance of my current mortgage servicer Capital One, after complete a full Request for a Loan Modification Package with my HUD Certified Housing Counselor, including evidence of my hardship as the XXXX XXXX illness of my daughter and my reduced income as a XXXX XXXX, my mortgage servicer, requested so many times, so much more information, including almost daily phone calls even they already had all explanations why I had fall behind on my mortgage payments. Trying to act responsibly, I been sending during this last 8 months as much money as I can from my XXXX XXXX XXXX ( I am XXXX years old ) and my activity as a XXXX XXXX ; reason why, until today I am only two months behind on my payments. However, my commitment and responsibility never were accomplished by Capital One, this week, they denied my request for a Loan Modification and instead only offered me the option of Short Sale or Deed in Lieu of my property. NO REASONS OF DENIED WERE STATED. In addition, this case in the opinion of my housing counselor has some weird facts, like a letter received from Capital One, where they referred to my ownership rights ( this letter was immediately responded by my counselor, stating that I never had or have the intention to transfer my home ownership rights. Also, there have been several questions initiated in a persisting way from Capital One, Account Manager, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. XXXX ) in regards my race and nationality, still I ask myself if that is an important piece for a mortgage decision??? XXXX XXXX XXXX from Capital One, never respond the many phone calls made by my housing counselor. Today, a complaint was initiated with XXXX XXXX, my mortgage investor in regards of this unfair procedure of my mortgage servicer. My housing counselor and I consider that a loan modification approval is a common sense decision, that my current finances evidence my hardship, but at the same time allows me to stay on my property if my case receives a fair review. This is why I am asking for ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX I received an email alert from BOA that my account was under {$25.00}. I looked online to find that there were a number of withdrawals ( 5 ) each for {$300.00}. Each also came with a {$2.00} fee. I did not make these withdrawals. I immediately headed to the nearest BOA, on XXXX here in XXXX XXXX to say that money was being stolen from my account. I made a fraud claim on the phone at the bank. They gave me a temporary debit card with only {$16.00} left and said it would take up to 45 days. I asked for more help but the teller would not respond. 

A few days later I called the number on the back of the temporary debit card to ask about my claim. She said that it would take up to 90 days and kept transferring me. I offered to fully cooperate with the investigation, asking them to look at the video tapes of the ATM and that it would be immediately apparent that I was not the one making the withdrawals. There has been no other contact and no other way to contact BOA. No credit, no communication.

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 monetary relief