milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/21/2017 about Debt collection (I do not know) with MERCANTILE ADJUSTMENT BUREAU, LLC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a complaint from  XXXX   XXXX  again st Mercantile for Mercantile 's fa ilure to provide requested information for the debt alleged. On   XXXX   XXXX   XXXX      ( consumer )   XXXX   XXXX , received a demand letter from creditor,  Mercantile.  On   XXXX   XXXX   XXXX    , consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact  ( s ) ; b. Any notice ( s )  of assignment or receipt of sale of the debt alleged ; c. Any not ice ( s ) of d elinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ;  f. Proof th at you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.    Mercantile res ponded on   XXXX   XXXX   XXXX     providing only statements, and no chain of title. On   XXXX   XXXX   XXXX    , consumer ( through legal counsel ) responded asking for a chain of title. It has been  Over 6 w eeks since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of  USC 1692, and oth er federal acts which require lenders and deb t collectors to a ct in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Consumer Loan (Installment loan) with BB&T CORPORATION (VA).
Issue: Managing the loan or lease

Complaint: Terms are inconsistent with original contract for payment and balance and inconsistencies with the legality of loan reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (Other debt) with Credence Resource Management, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They would call three times a day for a month after I submitted {$100.00} towards the account. Credence Resource Managemet ( CRM ).

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Mortgage (VA mortgage) with BB&T CORPORATION (FL).
Issue: Application, originator, mortgage broker

Complaint: I went to BB & T bank to secure a VA loan XX/XX/2016. My loan officer miss represented the Underwriters needs concerning needed documents needed for closing. I sent newly prepared documents in. time was relevant and time ran out. I then had a new meeting with loan officer and was told i would be able to get qualified and that he would write a letter himself to address the problem area i was having to get loan processed. XX/XX/XXXX i was rejected because all of the documents i had sent in to prove i was living in home was n't enough i had asked my loan officer i 'd do anything they wanted to prove my living in the home and did everything i was asked. I then went to another Bank where I transfered all my documents to and the only thing left was the VA appraisal. I put in the request to have the appraisal transferred weeks went by nothing. twice this scenario happen. I wrote multiple emails to BB & T then was told they needed a letter from both new bank and myself requesting the appraisal be transferred. I did that and thought everything was over but got email from mu loan officer stating that he had not received the appraisal yet. I wrote the loan officer at BB & T again he stated that he was working on it and to be patient. Im now into the next year and my new loan officer just sent me an email stating that i 'm about to loose my locked in interest rate because BB & T cant or wo n't transfer my appraisal.

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 08/21/2015 about Credit card () with WELLS FARGO & COMPANY (KS).
Issue: Credit determination

Complaint: I applied for a XXXX XXXX Credit Card with Wells Fargo Bank. Rather than receiving the card I applied for, I received a different one with far less advantages and that I had not applied for. When I called to inquire as to the reason I was told that my XXXX credit was in the XXXX and thus insufficient for the card I requested. 
Today I have checked all my XXXX reports and none of them is below the XXXX. 
This same credit card switching practice happened to my husband about 2 months ago

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (NC).
Issue: Incorrect information on your report

Complaint: In XX/XX/XXXX, XXXX sold our Mortgage to Bayview Loan servicing. We had never heard of Bayview until then. However, they are reporting on my credit file that I have had a loan with them since XX/XX/XXXX. They are also reporting that I have missed 4 payments, and I have made 2 on their Fresh Start Program. I was contacted by a Bayview Representative, XXXX XXXX in XX/XX/XXXX, and asked if we would like a loan modification and I applied for it, and was told about the Fresh Start Program. I was told to get a Prepaid debit Card, and to put {$890.00} on it so that Bayview could withdraw it for the house payment for 3 months, and they would forgive the payments that were behind while they were assuming the loan. Our first payment was to have been in XX/XX/XXXX, but we received no paperwork to sign to accept the new program. So on XX/XX/XXXX, I telephoned Bayview, and a payment in the amount of {$890.00} was given to them by phone. Again, XXXX XXXX told me she was setting us up on the Fresh Start Program, and a payment of {$890.00} would be coming off the card on XX/XX/XXXX. I placed {$900.00} on the card for the payment, and Bayview NEVER took it off. ( See Transaction list for Prepaid card, attached ). I called back to Bayview, and XXXX was not available to take my call, so the lady who answered the phone, stated to me the next date for a payment was XX/XX/XXXX, NOT XX/XX/XXXX. This was an error on XXXX XXXX 's part, not mine. The Fresh Start Program was suppose to start with the first payment on XXXX XXXX, and the previous payments for XXXX, XXXX, and XXXX were to be forgiven and added to the maturity of the loan. Before Bayview, as I stated, this loan was with XXXX. We borrowed {$85000.00} in XX/XX/XXXX, and when the mortgage was bought by Bayview, we now owe {$90000.00}. Our interest rate has changed 2 times. Our entire payment has been going to the interest for 8 years. I received a XXXX package from Bayview, and it was my address, but NOT my name, nor the information on my account. It was someone else 's account, and they wanted me to sign it and send it back. This account has been sold at least 4 times, in the past 6 months, and I have NEVER signed ANY paper for any company except XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Filed numerous complaints against this company to no avail. I recently noticed Green Tree has my account XXXX ( XXXX days ) past due which is totally false. I have bank statements to proof it. billing showed a XXXX ( XXXX ) missed payments, even though my bank records showed they had cashed. This company are crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I sent suntrust a check to pay the escrow shortage ( for the 4th year in a row ) and for the 4th year in a row I was sent the WRONG statement. Because I paid the escrow shortage I should have gotten a statement for the LOWER monthly mortgage amount but of course they still sent a statement for the higher amount. I was told last year that this problem had been fixed and that I would receive the correct statements in the future if I paid the escrow shortage. That was clearly a LIE. I also asked several times for someone to explain why my escrow is short EVERY YEAR. But again no one has because for the 4th year in a row my escrow has been short. This is not a problem I 've had with other mortgage companies and I do not understand why suntrust can not get it right and no one will answer my questions. I am tired of their complete incompetence and lack of customer service. This is UNACCEPTABLE. They need to send me a CORRECT bill IMMEDIATELY for the amount due XX/XX/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 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Experian and XXXX both report an " XXXX XXXX XXXX Score '' ( Code 08 ) that is IMPOSSIBLE TO KNOW IN ADVANCE, and there is NO WAY to " improve it '', when there are ZERO ADVERSE ITEMS in both the " Experian '' AND the " XXXX '' report! 

This score appears to be COMPLETELY DIFFERENT from XXXX XXXX " overall '' credit score that gets given to this consumer via his bank on a WEEKLY BASIS!

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 08-04-2015 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (VA).
Issue: Taking out the loan or lease

Complaint: I purchased a vehicle from a dealer, XXXX XXXX in XXXX, VA, on XXXX/XXXX/XXXX ( XXXX XXXX XXXX ). I was in a rush to purchase a car after my auto ( XXXX XXXX XXXX ) was stolen outside of my apartment complex in XXXX on XXXX/XXXX/XXXX. The financing was taken care of at the dealer, and TD Finance was the lender. Two months later I realized that the rate on the loan was not very favorable so I decided to " re-finance '' with my employeer, XXXX XXXX XXXX. I entered into a contract with XXXX XXXX XXXX on XXXX/XXXX/XXXX and was told that while the rate was less, I would have to come up with {$750.00} as they would not re-finance the amount owed given their lending parameters. Doing the math, I still came out ahead so I sent in the funds to TD Bank, showed proof to XXXX XXXX XXXX, and the loan was established. Several months later, I notice I am still getting statements from TD Bank stating that I owe a balance of roughly {$980.00}. When I called TD bank to inquire, I was told that XXXX XXXX XXXX never received an authorized " payoff '' amount from them ( according to their records ) and I owe that amount plus any interest. I called XXXX XXXX XXXX and they said the got the payoff amount from TD Bank. The XXXX institutions are now pointing the finger at eachother and both are saying I need to come out of pocket with the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I mailed a payment to NAVIENT in the amount of {$1000.00} to pay down my never ending balance.
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My check was cashed, however, there was no reflection on my student loan balance that a payment was made. I 'm continuing to accrue interest.
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I reached out to Navient to see what was going on. They never reached out to me to tell me. If I had n't have reached out, who knows what would have happened.
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I was told I mailed the check to the wrong Navient address-still within Navient, but the wrong department. My check will be held for 30 days and then it may take 4-6 weeks for me to see my refund ... all while my balance is still there and I 'm still accruing interest.
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This company is deceitful and unethical. All I 've been trying to do is pay my balance rid this company from my life, and it seems they fight me every step of the way!

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company  XXXX  times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with   XXXX   I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by  XXXX  and TransUnion because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.

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 03/27/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Other fee

Complaint: I have an American Express card connected to XXXX. I had a platinum card for a year, with a {$150.00} annual fee. When I got the bill with the coming year 's fee, I called and asked to have the card changed to a XXXX card with a {$95.00} fee. That was done and I was told that I would be charged {$95.00} for the year and the {$150.00} would be credited back to my account. I paid the {$95.00}. When I got the next bill, the annual fee charges were prorated so I was charged XXXX month at the higher fee. I called to have that corrected and customer service person was extremely unhelpful and patronizing. I asked to speak to a supervisor and after considerable resistance I got someone else who was also patronizing. He kept repeating, " XXXX XXXX, you must understand .... " I understood extremely well, but he refused to acknowledge the issue or what I had been told in my previous call. I asked to speak to his supervisor and, again, after resistance I was told someone would call me within 48 hours. I have not received that call. I was going to call back but have no hope that I will be able to reach someone helpful. The amount of money is under {$5.00} but I find the lack of accountability and the difficulty in getting acceptable customer service or any remedy extremely troubling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed this account several times within the last 6 months. It is not mine. Transunion keeps saying the account was verified and updated. However, it has not been properly verified accpording to FCRA law. In the last 6 months, no documentation or contract signed by me has been sent from this company. According to law when the company can not provide documentation within 30 days, the account supposed to be deleted. Transunion has faild to comply by law which is forcing me to pursue action according to law. 

XXXX Acct # XXXX Unverified 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 09/27/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage servicer Loancare has repeatedly failed to credit our account after cashing payments. Just months ago fought through their system to get our payments credited to account but now its happened again and they are negatively impacting our credit rating and in essence creating a XXXX job for us to have our payments credited.

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 09-03-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AE).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX, I declared bankruptcy and surrendered XXXX rental properties ( XXXX in XXXX and XXXX in XXXX. I was, and am, an XXXX military XXXX. These rental properties were meant to be a large part of my retirement income. At the time of the bankruptcy, I had great credit and no debt beyond the mortgages, but was forced to declare bankruptcy due to the housing crash and a real estate scam. 

While I was XXXX in XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX, I kept getting notices from my property manager in XXXX to send money to repair things. Once I returned to the states, I flew to XXXX and found out that I had been part of a real estate scam. My properties had been gutted bringing their value down to {$10000.00} and the real estate ring was charged with mortgage fraud. This left me with no alternative but to file bankruptcy to surrender the properties. I filed XX/XX/XXXX before XXXX in XXXX and my bankruptcy was discharged in XXXX XXXX, XXXX. The XXXX properties, at this time, were in good shape and rented for more than the cost of the mortgage and other related fees. Although the mortgages on these properties were less than the sales value, they were profitable. I surrendered the profitable XXXX properties as part of my estate and had the renters move out. 

The XXXX XXXX properties have since foreclosed, but the XXXX XXXX properties have yet to foreclose after XXXX years and I have just been served with {$17000.00} in fines by the HOAs. I was served with these papers while currently XXXX in XXXX, and have had extreme difficulty in reaching the banks to try to resolve this issue. My wife, who is in the states and has my power of attorney, has also been unable to reach the banks to resolve this issue. These properties have not foreclosed even after papers being filed with the courts in XX/XX/XXXX and XX/XX/XXXX. 

If I had known that the banks would not foreclose for over five years, I could have kept my renters in the properties and paid all fees associated with the houses over all of these years. Instead, in good faith, I surrendered the properties and did not feel I had the right to rent them out. These properties have now sat empty for five years rendering them less likely to rent or sell and have been accumulating HOA fees and fines.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Source Receivables Management LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had been a long time customer of XXXX wireless. In XXXX of XXXX I moved to XXXX and found there was not XXXX XXXX. I contacted XXXX and was let out of my contract due to lack of service. I was sent an envelope, mailed my phone back to them, and paid my final bill. Several months later, I was charged for the phone. I contacted XXXX and explained to them that I returned the phone. Several months after that I began being harassed by a collection agency ( I no longer have the name. ) In XXXX, I filed a complaint with the XXXX. I never received a response from XXXX but the collection dropped off of my credit report. However, it now appears that a new collection agency or agencies are attempting to collect this same false debt. These collection agencies are Source Receivables XXXX, through XXXX, and XXXX XXXX XXXX through XXXX XXXX of these collection agencies are located XXXX. However, one has a physical address while the other lists a PO BOX XXXX They have different phone numbers. These collection agencies claim that the account was opened in XXXX of XXXX and became late in XXXX of XXXX. However, the exact dates differ between XXXX These incorrect dates are a fraudulent attempt to draw out the period of time that a collection can appear on my credit. There are numerous illegal issues here and they appear to apply to several companies. First, I do not owe XXXX any money. XXXX is at fault for falsely claiming that I do but also for falsely extending my contract by dropping my XXXX XXXX XXXX discount and then changing the start date of my contract from the time I renewed the contract to the time I asked for them to reinstate the discount, a matter of several months. Source Receivables XXXX and XXXX XXXX XXXX are attempting to collect a debt that I do not owe and in doing so have tried to strong arm me by using unfair business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am writing in response to Collection XXXX because I do not believe I owe what you say I owe. This is the first I 've heard from you, or any other company on this matter, therefore in accordance with the Fair Debt Collection Practices Act, Section XXXX ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt ; * ( 2 ) the name of the creditor to whom the debt is owed ; * ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. Kindly also remove this item with immediate effect. Henceforth I ask that this, be removed from my file with Immediate effect.

Company response to consumer: Closed with explanation