milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently received a statement from Wells Fargo, the mortgage holder for my home mortgage, increasing my monthly mortgage payment by {$71.00} per month. ( This is for a fixed-rate mortgage, not an adjustable-rate one. ) Wells Fargo has done this before, and when I called them regarding this issue, they told me that it was to cover the increase in my local property tax, which they pay, as it is included in my mortgage payment. However, I checked with my local town assessor 's office, and they told me that that although the property tax had increased slightly from the previous year, it was nowhere near the increased yearly amount Wells Fargo was demanding per month. I did call the assessor 's office this morning, and they told me that the tax for fiscal year XX/XX/XXXX had increased slightly from XX/XX/XXXX but nowhere near the total of the monthly increases for the year, and that the rate for XXXX will not be determined for another two months. I suspect that Wells Fargo is increasing the payment for all of their mortgagees to cover the costs of the fines imposed on them as a result of the recent scandal involving fraudulent accounts created without the knowledge or consent of their customers. I want to know whether it 's legal for Wells Fargo to transfer the financial burden it has suffered as a result of their malfeasance to their unsuspecting mortagees, and if it is not, what action I can take to remove the unwarranted increase in my monthly mortgage payment. 
I would appreciate a prompt reply to my inquiry, as my mortgage payment is due XX/XX/XXXX. 
Thank you.

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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Sherloq Group, Inc (IL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: This company is reporting to all 3 of my credit bureaus and I do n't owe them money. They do n't have any signed contracts or documents from their company to prove that I owe them. I have disputed this with the company and they continue to call and harass me. My credit is being impacted.

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 11-10-2016 about Credit card () with DISCOVER BANK (CA).
Issue: APR or interest rate

Complaint: i miss a due date by XXXX day and my credit card company increased my rate ... when I had an excellent pay history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-09-2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt does not belong to me and after research I have found ( FCO ) Fair Collections and Outsourcing does not have License to collect in my state which is Florida

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 01-11-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (AL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was told by my son 's school that we did n't qualify for a federal loan, so we got a private loan. He 's our only son ; never gave us an ounce of trouble, wanted to go to college and my husband and I did whatever it took to get him a college education. By XXXX grace, our son graduated XXXX 2015. My husband and I co-signed on the loans and the total amount that we are asked to pay back each month for XXXX loans is over {$1800.00} a month. That 's more than I make a month. There 's no way we can pay that much each month even if we sold our XXXX bedroom home and lived in a box. I 'm currently in deferment with Sallie Mae but the days are coming fast and they 'll be calling demanding the {$1800.00}. From what we 've heard, we 'll be paying Sallie Mae the rest of our lives, so all I want them to do is significantly decrease the monthly payment, making it affordable for us. We have every intention of paying the {$180000.00} ( yes you read correctly ) {$180000.00} for a show production degree that only pays $ XXXX/hr for my son. We just need help in getting the {$1800.00} reduced. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Credit card protection / Debt protection

Complaint: My credit card information was stolen and my credit card was used without my knowledge in XXXX 2015. I notified XXXX XXXX XXXX about the fraud. Credit card company agreed to waive my payment for unauthorized purchases in XXXX 2015. 
On XXXX XXXX, the company sent me letters and charged me total of {$430.00} without any explanation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My checking account was debited on the XXXX of XXXX which was the due date, the terms specifically allow for changes to the payment to be made until XXXX EST the day of the due payment. The debit to my account appeared when i checked my account balance at XXXX on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Debt collection (Auto) with AMERICAN HONDA FINANCE CORP (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Fair debt collection practices act violations:1. Debt collectors are not permitted to ask a consumer to pay more than they proportionally owe [ 15 USC-1692c ] 807 ( 2 ) ( a ). By failing to validate the debt, the debt collectors are doing exactly that. By failing to provide a CERTIFIED STATEMENT OF ACCOUNTING as required under the Uniform Commercial Code Article XXXX. 
2. Sending a paper known as a financial statement that is not signed and or certified DOES NOT constitute as a valid certified statement of accounting [ 15 USC-1692g ] 809 ( b ) and violates the rights of the consumer or borrower. 
3. The debt collectors have added on extra fees that were never provided to the consumer or borrower and is in violation of the FAIR DEBT PRACTICES ACT [ 15 USC-1692F ] 808 ( I ). Because an accurate certified STATEMENT OF ACCOUNTING has yet to be provided, the actual amount purportedly owed is misrepresented and violates the rights and entitlements of the consumer and or borrower. 
4. The purported debt collectors and or financial institution have not only been argumentative, but have conducted themselves in a manner unbecoming of a debt collector as outlined in [ 15 USC-1692d ] 806. Their language and conduct violate the basic and common standards of the FAIR DEBT COLLECTION PRACTICES and BUSINESS ETIQUETTE. 
5. The financial institution and or debt collectors are threatening to take property that is not theirs to take. This is a violation of the FAIR DEBT COLLECTION PRACTICES ACT [ 15 USC-1692e ] 807. 
6. Debt collectors are prohibited and or forbidden to report a purported debt to anyone once they have been told to cease and desist all debt collection activities by the consumer and or their representative ( s ) [ 15 USC-1692e ] 805 ( b ) because the debt has yet to be validated or verified, reporting to the several different credit agencies is a violation of federal law. 
7. After receiving notice to cease and desist all communication until the debt has been validated and verified the financial institutions and or debt collectors have violated federal law [ 15 USC-1692c ] 805 ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Credit card debt) with Mediation Recovery Center (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In 2005 I paid an outstanding debt to XXXX XXXX and received a letter from the court saying my debt was fully paid. I have attached a copy of that letter from the court. Even though the debt has been paid I still receive harassing phone calls and letters from collection agencies. I have attached a letter sent to me from Mediation Recovery Center. I have tried over the years to explain to MRC through phone calls and letters that the debt has been paid, and made them aware of the letter I have received from the court stating the debt has been paid. MRC does not care and they continue to harass me day after day, year after year. They have even called my friends and family asking where I am and told them I owe MRC money. Also they have threatened further legal action even jail. Enough is enough I want something done.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America ( BofA ) has represented to me a payment was received from the State of California on XX/XX/2013 applied to the XX/XX/2013 installment. However, BofA has also represented no payment received for XX/XX/XXXX and XX/XX/2013 installments and late fees assessed for these months. This information is conflicting as both can not be true. Thus, a material misrepresentation has been made and gone uncorrected on a mortgage or Deed of Trust. 

XXXX ) California Mortgage Forgiveness Debt Relief Act. 

XXXX ) Mortgage Debt Relief Act.

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 11-10-2015 about Debt collection (Credit card) with Total Card, Inc. (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I asked to Cease and Assist the debt with the current XXXX XXXX XXXX and both XXXX XXXX and currently Total Card has been harassing me and been belligerent when I called them to do not call me as this account is XXXX yrs old and I am not working and am XXXX! Also verbally threatening and harassing me! I also asked not to be on a recorded line and they disrespected my wishes!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: Dietech Financial, aka Greentree will be forclosing on a house located at XXXX XXXX XXXX XXXX. today at XXXX XXXX pst. They have not dealt in good faith with us and have " dual tracked '' this house in that they told us we were eligible and be considered for a loan modification. We have also submitted an offer and a short sale package to them within the time line that they set.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with STONELEIGH RECOVERY ASSOCIATES, LLC (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a letter from Stonleigh Recovery and Associates, located in XXXX. The debt is from XX/XX/XXXX, and the company stated that they are trying to collect a debt for XXXX XXXX , XXXX, located in XXXX. The statue of limitations for debt collections is 6 years, and it is now XX/XX/XXXX. Also, debt collections must be in the same county the debt occurred. In my case, it 's XXXX XXXX, XXXX. When I talked to a man at the company, XXXX XXXX, I tried to explain this to him. The letter I received threatened to garnish my wages if I did n't respond back in 30 days. However, when I called, XXXX told me that they do n't have anything to do with a judgement because they are not an attorney 's office. When I explained he can not collect anything without a judgement, he started raising his voice and stated that a judgement has nothing to do with debt collections. He stated that I ran up a bill, and I did n't pay it, so they will start garnishing my wages if I do not agree to pay. When I stated that this was not legal, he responded by saying " well, this conversation is going nowhere, so I 'm hanging up now, '' and hung up in my face! To make matters worse, this debt is not even mine. I 've informed all the credit reporting bureaus, and have asked Stoneleigh Recovery for a fraud packet XXXX, and still have not received anything in the mail, except for another notice about garnishing my wages. There was no judgement ; just a typed letter. Whenever I try to call, the associates always transfer me to XXXX XXXX, who is engaging in rude and illegal behavior. I feel like they 're trying to intimidate me ; it is unlawful for a consumer to ask for a fraud packet, and not hear anything back! I feel like the company is biding their time trying to pass a judgement, and they wo n't even verify the debt!

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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Shellpoint Partners, LLC (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Please see the annexed complaint with exhibits against Shellpoint Mortgage Servicing. On XXXX XXXX, 2017, Shellpoint previously responded to a compliant filed by the undersigned but the response contained false and misleading statements. The undersigned tried to contact Shellpoint and has demanded information but Shellpoint has ignored the issues altogether.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XX/XX/XXXX I sent email in writing to remove PMI and both times it was rejected. So I waited for a few months more. On XX/XX/XXXX I sent a copy of the recent a appraisal we did on the property to proof that the value has increased. PMI department is saying that we can not do just any appraisal. We need to wait till next year and regardless of the value increase. PMI dept also said that the only options are that we either wait till next year XX/XX/XXXX, pay lum sum or proof that we have done any improvements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: I have been trying to get this resolved for some time now. I did file a previous compliant and what XXXX sent back contradicts information I have and have attached. 

They indicated the account was sent to an outside collection agency which supposedly was paid and then they received the money. Their correspondence stated the account was charged off XX/XX/XXXX and was sent to an outside collection agency for {$2800.00} which brought the account to XXXX. It indicates the account was paid in full on XX/XX/XXXX after they received the payment from the collection agency for {$2800.00} which brought the account to XXXX. 

1st I paid it directly to XXXX please see the attached email from XXXX XXXX. It was paid to them XX/XX/XXXX 2nd If the had charged off the account in XX/XX/XXXX and sent it to a collection agency then it would have been the collection agency 's account and they would have been reporting the account 3rd I  asked for a payment history not a typed letter from the company that they can put whatever dates they feel are accurate without proof. 

4th They put a link to get a copy of a generic agreement that does n't have my signature on it. There were 2 types of contacts and without providing the copy that I signed this would indicate they do n't have record of it.

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 07/28/2017 about Debt collection (I do not know) with ALLIED NATIONAL INC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The person who used to have this phone number must have had debt with Allied National Debt Collection agency. I got the phone number in XXXX 2017 and have been getting repeated phone calls ever since. I 've answered many times and told them the person they were seeking is not at this number, but the phone calls continue. I 'm getting as many as 3 phone calls per day. Sometimes it only rings for a few seconds then stops, other times I answer and someone asks for the person who used to have the phone number and I tell them that they no longer have this number and I do not have any debt. I called Allied National and asked them to update their information and I was told that my only recourse is to file a complaint with Consumer Finance. I will also be filing a complaint with the BBB and the attorney general. I have XXXX from prior history being a XXXX XXXX and the constant calls are causing me unacceptable XXXX XXXX. Please stop them from harassing me. The phone numbers used are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 08/25/2017 about Debt collection (Other debt) with AFNI INC. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Before I knew my options with debt and my credit afni had harassed me with multiple phone calls. They reported the debt to the credit bureaus which affected my credit in a horrible way. I decided to final give into their harassment and paid the XXXX account on the last phone call we had afni had stated that they understood financial hardship and damage to the credit and said if I paid them it would be removed from my credit. I asked what it took to do that. I was told once payment ( {$100.00}. ) cleared they would request the bureaus to remove it. I was informed as little as 4 weeks but up to 12 to update. So I paid them around XX/XX/XXXX. Only to realize I was lied to. They dont even have the required license in Michigan. 

License # XXXX agency/non-owner manager license XXXX XXXX XXXX XXXX license # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I never received the letter that was dated XX/XX/XXXX, 2017 with a " handwritten '' signature. I am of the belief that this company is practicing unlawful acts using veterans as their targets. And I do not want any correspondence emailed to me. That is not what I asked for.

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 02-09-2018 about Debt collection (I do not know) with Skopos Financial, LLC (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/2018 @ XXXX @ XXXX @ XXXX I am on the do not call registry and when I spoke to the person theyre playing a hunting game for people with my same last name. Scary part is they called everyone in my family like theyre getting information from XXXX. Our family does not know the persons theyre asking for and somehow they have all our cell phone numbers playing a hunting game. Im sure whoever the person is theyre doing a witch hunt just with people with similar last names. I would like to know what are their tactics to even get sell phone numbers of random people but it was my whole household cell numbers. I told them I dont appreciate their witch hunt and they should only be contacting the person references not calling random people with the last name. I repeatedly told them to remove me but they kept calling and its not an automated message its an actual person. 

Company is Skopos Financial phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I returned and paid all XXXX XXXX satellite services equipment as they advised me if I do n't want to be billed for their equipment it must be returned. They shipped me free boxes and labels to return their equipment and told me as soon as I returned it they would send an email once they received it. After they received it I got XXXX emails stating the equipment was returned XXXX, and XXXX XXXX. It is now XXXX I received a bill stating that I owe them {$960.00}. I told them I have n't had an account since end of XXXX. They ignored my letter I wrote them, now as of XXXX XXXX I got a new collection debt on my report from AFNI which they bought this debt from XXXX. I told AFNI that this was not my debt I do n't have services with XXXX anymore since XXXX. Why is this now illegally on my credit report as I do n't owe anything, they were paid for services that I had and billed me for {$500.00} of equipment but stated upon received they will remove it. As of today I am obviously being billed XXXX for something that is not mine as I do n't have any account with them anymore. Why would XXXX years later something falsely like this appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Debt collection (I do not know) with Premier Portfolio Group (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received multiple phone calls from people identifying themselves as from a " portfolio group '' and that I had passed a bad check with my SSN on it. I have n't had checks or written a check in over 8 years. Other information online reports similar ridiculous claims and harassment. They call multiple times a day from different cities and states. Continued harassment will result in legal action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (TX).
Issue: Managing the loan or lease

Complaint: I was told, that after 1 yr. I was going to be able to lower my interested rate on debt consolidation loan. But, it turns out, that I have to reapply & pay another lending club processing fee. The rate is ridiculously high compare to current rates. I only took this loan in desperation. 
XXXX ),

Company response to consumer: Closed with explanation