milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2017 about Mortgage (Conventional home mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (AR).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX, I was XXXX XXXX and XXXX from the XXXX XXXX XXXX Military. The primary reason was XXXX, and I was awarded XXXX XXXX XXXX pension. I appealed the decision effectictive in XX/XX/XXXX. On XX/XX/XXXX, I had XX/XX/XXXX, which was one of my main medical complaints. I have XXXX of the XXXX ( XXXX XXXX XXXX as well as XXXX and XXXX of the XXXX ) and XXXX of the XXXX. I am still having XXXX XXXX XXXX and problems and taking XXXX medications through the V.A.. The V.A. is talking about possible XXXX again on my XXXX and XXXX XXXX. They have also discovered I have XXXX of my XXXX XXXX  and XXXX, as well as XXXX of XXXX XXXX XXXX. The V.A. also determined that I have XXXX XXXX and / or XXXX in my XXXX XXXX. All the above is under appeal STIIL and it 's the Department of Veteran Affairs. The state Social Security XXXX denied my claim stating that under their rules, with my education, training, and experience, I can still perform certain jobs. They are wrong and I will be appealing again. I XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and so on without severe pain.
Anyway, since all of this started, I have been out of work and trying to live off my XXXX XXXX XXXX pension from the military. I missed one payment a while back, and Vanderbilt Mortgage DID take that payment and put it to the end of my mortgage. I missed another payment, then only made a partial payment because my truck broke down ( which I can not afford to fix ) and had to have it towed a long distance costing me a good chunk of money. Now, Vanderbilt Mortgage is no longer willing to work with me and are saying I am 2 and 1/2 months behind on my mortgage. I get paid. Once per month at the end of the month. I make my payment online the day the money hits my account. Vanderbilt works off electronic checks. They keep charging me almost {$20.00} late fees each month claiming I am paying late. I tried to modify my mortgage by extending it to lower my payments, but was denied because " I do not make enough money ''. Then I get a letter stating that they are under th impression that I can NOT make my payments anymore and offered me {$500.00} to be out byXX/XX/XXXX. I received that letter on Saturday, XX/XX/XXXX. Then I got another letter stating that they are attempting to help me, but I am not willing to make the effort. WRONG! It is the exact opposite. They are not willing to work with me or help me in any way. They are already charging me over 10 % interest. They wo n't even explain to me how they figure I am past due by 2 1/2 months.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Helvey & Associates (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX I sent a letter to Helvey & Associates in response to a debt collection letter I received stating I owed a balance to XXXX XXXX. It is now showing up on my credit report as an unpaid balance that went into collections. I paid this balance in full in XX/XX/XXXX directly with XXXX XXXX, so it should have never gone to collections or have been reported as past due. I have not received a response from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am showing XXXX open accounts on my Credit Report under XXXX XXXX XXXX XXXX is for {$10.00} and XXXX is for {$28.00}. I have attempted to contact them with the number I found on the internet ( XXXX ), but it is disconnected. I had contacted this agency in XXXX 2014 and I was informed that all my accounts were up to date. I would like this removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Balance transfer

Complaint: I was offered several 0 % interest rate balance transfers with different expiration dates for each one. I have made monthly payments and when the first transfer was about to expire I paid it off. When the second transfer was about to expire I asked what the balance of the transfer would be. I was told a different amount than what I calculated. I was informed that they could not keep track of where my payments went and the company could apply the payments to any of the balance transfers. My issue is that the company is not honoring the expiration date on each of the transfers and is now charging me interest.

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
Consumer complaint received 06/19/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (MI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This account has been removed twice from my credit report and the company calls all times of day, after I tell them it was supposed to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX Account # XXXX PAST DUE {$73.00} Equifax is showing that I am past due {$73.00} XXXX and XXXX are showing the correct and proper way.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (Other debt) with Meridian Financial Services, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XX/XX/XXXX I received a notice from Meridian Financial regarding a delinquency on XXXX XXXX XXXX  maintenance fees without ever getting request for payment from XXXX XXXX. Please see below.
Timeline : This property was conveyed ( through divorce inXX/XX/XXXX) to XXXX XXXX XXXX.
Since that date, I ( XXXX XXXX ) had not received any requests for payment of said Maintenance Fees ; therefore, I assumed XXXX XXXX was making payment.
XXXX XXXX filed bankruptcy inXX/XX/XXXX; whereby this property was includedXX/XX/XXXX i provided copy of divorce decree to Meridian. They in turn indicated that XXXX XXXX had not filed an updated Deed of Trust, removing me from the property.XX/XX/XXXXI obtained counsel and an updated Deed of Trust was filed in XXXX County. Copy was provided to Meridian onXX/XX/XXXX.
XX/XX/XXXX Meridian letter received stating XXXX XXXX had accepted the transfer of ownership, but was still holding me accountable for prior Maintenance Fees.

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 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (OR).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I make regular purchases on this account for my business in the sums of $ XXXX {$2000.00} and have done so for a few years. I always pay my bill early so as not to incur fees. 

This time I paid a portion of my bill electronically through my bank on XXXX in the amount of {$1500.00} Please see supporting documents. 

On XXXX you will see ALLY put a " Payment Hold '' on my credit card for {$1500.00}. This does not allow me to charge that amount on my card as they state they have not actually " received the payment '' .. 

I called on XXXX to see why I could not charge {$92.00} for business and there was not enough credit available ( please see supporting documents XXXX. I was told that they do not actually have the money and the account is not paid and this hold will not be released until the XXXX of XXXX. 

I want to know what they are doing with my money and why when I pay my bill it 's no longer actually paid ( this is a new thing they are doing ). I also do n't want them putting credit " Holds '' on my payment so I accrue more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have 3 inquires on my report inwhich I have no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Check credit report XXXX 2016 all inquiries deleted. Check credit inquiries returned score went down. Never received notice of change.

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 01/16/2017 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I submitted documentation to Experian including documentation from the reporting loan agency documenting company error, in order to remove incorrect late payments from my paid in full mortgage account.with XXXX. I submitted to all XXXX agencies XXXX and XXXX, and only Experian refused to accept my documentation no matter how much information I provided them, and my repeat disputes to their company. I called the company, and they told me to upload the documents, but when I went to their website it was n't functioning and it was impossible to upload anything.f so I sent them the information certified, and they still refused to accept it, so I went back into their website, and tried to upload a dispute, but the website would not accept disputes again. Every time I have attempted to use their website it has not worked, and I am unable to provide information or disputer through the website. When you call they tell you to use the website, and when you use the website it does n't work. I feel this is purposeful behavior on their part, so that they are not required to accurately address the consumers disputes. Their behavior is illegal and against the FCRA. Please consider my complaint against them as they are damaging my credit, and are violating a consumers right to have the truth reported.

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 06-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I wrote XXXX debt validation letters to Enhanced Recovery and they failed to respond to be. They ignored my requests for validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2017 about Debt collection (Credit card debt) with Orions Management Group, LLC (NY).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: I only owed XXXX XXXX XXXX dollars. When I was goin to pay on my assigned date the electronic fund was goin to take place .they closed my account abruptly and sold it they said. I tried to get info on where to pay to avoid further problems and they did not know who it was sold to. Then a guy who harassed day and night and talk to me forcibly and told me I was goin Togo to jail said I owed XXXX dollars which I didnt. I wouldve paid this off already but its not fair theyre harassing me and now send me calls that they are the irs and are suing me and Goin to put a lien against me and its not even the right amount. They call me constantly saying they are goin to a judge in a few hours to have me deposed.or that they are the irs and are goin to take it out of my paycheck.or that theyre the govt and are trying avoid having me arrested and the call till XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On my Equifax credit report, there are XXXX hard credit inquiries that are fraudulent. The inquiries are from XXXX Personal Loans but I have never applied for a loan with XXXX. I have written to Equifax and to XXXX requesting removal of these inquiries on XX/XX/XXXX and again on XX/XX/XXXX, but have received no response. I 'm attaching letters I have sent and a screengrab of my Equifax credit report inquiries as of today, XX/XX/2016. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX  is tryiing to commit an error saying that i do not own a mortgage when in fact i do. They have a wrong number on my credit report. I only ha ve one nu mber that is legit and that is  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 non-monetary relief
Consumer complaint received 09-12-2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX I applied to Citibank for a loan repayment plan because I had fallen one month behind on my mortgage. They granted me one and I made the first payment. Then Citibank contacted me and said I did not have a repayment plan because the person that set it up did not have the authority to do so. So I applied for a loan modification. After months of submitting documents ( 2 and 3 times ) Citibank offered to extend my mortgage over 40 years saving me {$65.00} per month. No principal or interest rate reduction. I declined because I have been paying on this mortgage for 16 years and the change would have shifted most of my payment back to interest, reducing how much went towards principal. In XXXX XXXX I received a call from Citibank asking me if I still wanted the loan modification. I told them no and that it would benefit them much more than it would help me. Then in XXXX XXXX I received a letter from Citibank saying they had set up a escrow account for my homeowners insurance and my payment would increase by {$520.00} per month. My homeowners insurance is only {$210.00} per month. After 90 minutes on the phone and having been transferred 4 times, I was told the escrow was required because I had accepted a loan modification. This was not true. They had also paid off my homeowners insurance through XXXX XXXX, XXXX. So I had to straighten this mess out with my insurance company. But my biggest complaint is that they were trying to get me to accept a loan modification that would only reduce my base mortgage payment by {$65.00} per month, while adding an additional {$310.00} per month to me insurance expense and shifting most of the payment from principal to interest. They never told me this part or that I would be required to escrow my homeowners insurance. Fortunately I never accepted this horrible modification. But how many others fell for this trick and ended up paying more each month while having less go towards their principal? I believe this is a predatory loan practice on the part of Citibank.

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 12/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Other

Complaint: On XXXX/XXXX/2015 i removed the freeze on my XXXX credit reports and applied for a Capital One credit card. I was approved with a {$15000.00} line of credit within 5 seconds and was told i would receive my card within 2 weeks. 4 days later i received a call from " someone '' from Capital One saying i needed to send in documentation verifying my identity before i could get my card. I thought it was a scam to get my identity and ignored it. I then received my credit card in the mail with a welcome letter. I called the number on the card to activate it. I was told that i had to send in documents to verify my identity. I sent them a copy of my drivers license with my current address, social security card, utility bills of gas and electric with my current address to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ATTN : XXXX Fraud Dept.-FIT. I then received a letter from Capital One dated XXXX/XXXX/2015 that says " we suspect fraudulent activity on your credit card so we placed a temporary hold on it to make sure no one is using it without your permission ''. I did not hear from them for 10 days so i called them back. They said they never received the documents, I sent them the same copies again to the same address. About 2 weeks went by so i called them again. A lady i spoke to apologized, said i was approved, and she released the card for me to use. I started using the card, made at least XXXX purchases, then received another phone call from Capital One saying the card was suspended because they never verified my social security number. I decided that i was going to just pay off my purchases and cancel the card but when i go to my e-mail online account it wo n't let me access the account. I went to my XXXX and XXXX credit reports and it shows Capital One made a credit inquiry on my behalf so i do n't know what the problem is here. My welcome letter from Capital One shows a credit check from XXXX so i do n't know if it is them i need to go after but i assumed my social security number is in my credit reports. i do n't know what to do so i am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold from XXXX XXXX XXXX XXXX Carrington Mortgage Services LLC XXXX 2015. I have been informed that I have no control over which company buy and sell my loan which I find disturbing. Carrington Mortgage Services LLC has the worst consumer services. I stayed on the phone tonight at least 30 minutes waiting to speak to a consumer service rep. regarding notice from Carrington informing me of additional random fees that can be assessed to my account. I requested a copy of the my initial loan regarding additional fees. But I feel it 's unfair that my loan has been sold to a debt collector when I am in good standing with my loan. I feel that these so called fees are ways for Carrington Mortgage Services LLC make profits off consumers and that 's not fair. Carrington is already getting the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Requested - by CFPB complaint XXXX - that promised theft protection be provided and notice of protection be provided to me. 

No information on protection has been provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: XXXX/XXXX/17 went to make a purchase with the company card and instead used a personal debit card. Realized the mistake immediately and was issued a credit on the spot. Wells Fargo refuses to issue the refund to my account and are stating their policy is they can take up to 10 days to issue the refund. I contacted the local Wells Fargo, and three online representatives and they just say its their policy. This seems like fraud to me and especially since my account is now overdrawn. Is this an acceptable policy where they receive the money back but can hang on to it for a while collecting interest???

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 11-04-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: I got a default judgement against from another state XXXX Ga. claiming I owe them XXXX to a court in XXXX. I do n't she got a way that mess I have never heard of XXXX XXXX in my a debt that has been since XXXX plus I have insurance. now back to XXXX XXXX they false statements like charts trying to compare me to a XXXX or XXXX XXXX old in training on job in XXXX to XXXX trying to prove their false point. I 'm so sick of these XXXX  someone needs to them they are garnish me as I 'm typing I need seriously I 'm been harass by them through mail I 'm suffering from XXXX of the XXXX my mother I do not owe these people period thank you. sincerely XXXX XXXX my XXXX XXXX XXXX my email is XXXX

Company response to consumer: Closed with explanation