milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-03-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (AL).
Issue: Struggling to pay mortgage

Complaint: I received a Notice of Default and Notice of Intent to Foreclose via USPS from ( SLS ) on Thursday, XX/XX/XXXX. I have questions and concerns about the actions that are being taken concerning my mortgage. I was not aware that a Servicer ( SLS ) can foreclose on your home if you have applied for a modification, and I havent heard or received anything in the mail on the status of the modification. Can you please clarify this matter for me?
Let it be noted that on XX/XX/XXXX I applied for another loan modification due to me not getting the other papers notarized in a timely manner which was a result of me being out of town at the hospital ( XXXX ) with my daughter. In your letter that was sent to me, it stated that if missed the deadline to reapply, and thats exactly what I did. So, I sent in another complete application with a letter attached explaining why I was reapplying, and I listed that I included two recent bank statements, a recent pay stub, and the XXXX in the packet all of which had the loan number on each of the documents and these were the same exact items that I had to submit before.

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 12-02-2016 about Debt collection (Credit card) with RFNA, LP (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have an account on collection who belong to my ex-husband and now I am getting phone calls from collection agency who ask me to paid a debt that does n't belong to me and treated me on the phone. I want this calls to be send to the correct borrower my ex and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My monthly mortgage payment has gone up from {$600.00} per month to {$620.00} per month. When I called Nationstar asking why, I was told that my condo had a newly assessed value. I am assuming that the newly assessed value and increase in my payment is direct retaliation for the filing of my last complaint with the CFPB about this shady company. 

My old {$600.00} monthly payment was broken down as follows : Principal $ XXXX $ XXXX Amount ( for Taxes & Insurance XXXX XXXX XXXX Monthly Payment $ XXXX new monthly payment is broken down as follows : Principal $ XXXX $ XXXX Amount ( for Taxes {$63.00} per month & Insurance {$37.00} per month ) = $ XXXX Monthly Payment {$610.00}. 

However, I am being billed {$620.00} per month, starting XXXX XXXX, 2015, not {$610.00} per month. 

When I inquired about the increase in payment, I was not given the current value of the property that the tax amount is based upon, and in addition, I was told that Nationstar has some goofy rule that allows them to keep up to two months of tax payments in the account even though they do not go to the taxing authority. I was told that this was also the reason why my payment has gone up. When I ask these questions, I either get someone on the phone who does not understand the question, and/or I get transferred all over the place. 

Here is what I want : The value of the property that Nationstar is basing their taxes on. They keep pushing me to the taxing authority to get this value yet Nationstar has that information readily available, otherwise they would not be able to generate the tax amount. 

The law or rule in Nationstar 's possession that gives them the authority to withhold XXXX months of tax payments. The law or rule that says they can not give me the value of my condo from their perspective. 

An explanation as to why my payment went up from {$600.00} per month to {$620.00} per month. 

It is this sort of shadiness that makes people wary of the mortgage business. It is time this behavior stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt collector claims I owe them a debt that they ca n't verify is there 's. They ca n't provide proof of documentation or ownership towards the debts. Never have signed a contract with them saying I owe them an x amount of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (KS).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On XX/XX/XXXX I contacted CCS regarding a debt collection on my credit bureau. At that point, I had advised that I had never received a validation letter ( the rep gave an address in XXXX KS ) I then got a call from my old roommate advising they got a letter at XXXX XXXX XXXX XXXX XXXX KS regarding my debt stating I had a Settlement opportunity. As I advised I no longer reside at the address that letter was sent to in XXXX, KS This means that the validation letter went out and your rep not only disregarded this fact but sent an additional letter to the XXXX address knowing it was incorrect which violated my right under which I feel violates my rights under The US Privacy Act of XX/XX/XXXX 4 U.S.C. as well as violation of 15 U.S.C. Section 6801-8609 also known as the Gramm-Leach-Bliley Act. 

FDCPA/Kansas Consumer Protection Act On XX/XX/XXXX I called CCS and advised I had not received any validation notice and spoke with a XXXX who made a demand for payment on the account. I had advised under Section 809 of the FDCPA that they are required to send validation within 5 days of contact to which they had not done, I made a settlement offer which was immediately rejected and not proposed to her client, and advised I thought they were required to have their client decline the offer first. I was then transferred to XXXX XXXX. XXXX XXXX advised they were waiting on an itemization before sending out the validation letter. 

This is a clear and blatant violation of the FDCPA, as well as FCRA, as the item is still reporting to my XXXX credit bureau. I feel this is a violation of K.S.A. 50-623 ( known as the Kansas Consumer Protection Act ) as first I was in the validation window since I never received a validation notice, the account had been disputed, and an offer was made for settlement which CCS and its employees were legally required as well as had a fiduciary responsibility to take to its client which it did not. 

Additionally, I contacted your office on XX/XX/XXXX requesting your fax number and if you had an in-house attorney. The rep said yes and refused to provide this information. Please be advised I recorded the call and have a copy of the recorded conversation that adds to my claim regarding your deceptive practices.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Identity theft and foreclosure for a trustee that nation star mortgage said they were the owners. As per the trustee XXXX stated they were never the owner ever of XXXX XXXX XXXX XXXX tn XXXX so how can you assign the loan to yourself without the actual owner saying they were n't the owner ever?

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Payday loan) with Cottonwood Financial Ltd. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received calls today from XXXX XXXX XXXX, XXXX different numbers from XXXX different states all stating the same thing. 

" Up now. Again this is a final call for XXXX only. If you are not XXXX. You must hang up now. This is your final call. This is XXXX (? ) and your failure to respond has resulted in your file being audited. This call is to inform you that although your file was processed on Monday XXXX XXXX. Our client will allow us to resend this process if you call today. Again you have only today to rectify this matter. Please advise. You must call by XXXX today Wednesday XXXX XXXX at XXXX. Again we must hear from you or council immediately no later than XXXX today at XXXX. To be connected to a representative press XXXX now. This is a final urgent message. This matter is private and confidential. If this is not XXXX please hang up now. Again this is a final call for XXXX only. If you are not XXXX. You must hang up now. This is your final call. This is XXXX (? ) and your failure to respond has resulted in your file being! audited. This call is to inform you that although your file was processed on Monday XXXX XXXX. Our client will allow us to resend this process .... '' Message received on XXXX/XXXX/2016, XXXX ( XXXX ). Length XXXX seconds. 

This is a print out from my father 's voice mail which is the same that I received. I called this number back and was directed to a male who was very unprofessional. Raising their voice and saying things such as and I quote " If it were me I would get off the couch and pay the bill '' as if to imply that I am just being lazy. These practices are against the law. I have not received anything in writing. Only phone calls threatening legal action. I have requested written documents but have not ever been given anything.

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 10-09-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We have XXXX mortgage accounts with the same company which misapplied the payment for XXXX account to the other making the payment late. When we ask for a correction XXXX payments was put into an expense account, not crediting either account making the payments late and reporting it to the credit bureau. XXXX account we 've had for 11 years and the other for 9 years and have never been late on either XXXX. The problem started back in XXXX and have not been totally corrected as of this month and it 's now XXXX. We are still receiving calls from them stating that our payments are late although they have received payment and the checks have been cleared. How do we stop the harassment and get our credit back to the way it was?

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Deposits and withdrawals

Complaint: XXXX i recently asked my Account manager to give me more time to find the {$300.00} dollars to complete the reboot of their computer system so that i can access my account, But the directors are final on the date the XX/XX/XXXX!!! For me to find this money, If i can not find the {$300.00} my funds that were left to me will be confiscated, this is a lot of money to loose! even a bank would not like to loose so much, i know that you are giving them 16 days to reply but i urge you to put more pressure on this bank, i do not know if you can find me a lawyer and legal aid, i do not know if i qualify for legal aid in the XXXX? i know there is no chance in the XXXX as the government stopped legal as a cost cutting in the financial sector was at the time costing millions to the XXXX and being unemployed on a very low budget less than XXXX pounds per month is a strain on every thing as it is i am just coping with paying my mortgage on very reduced payments also a secure loan i have is also reduced two smaller loans i am unable to pay so i believe i will receive a summons to appear in county court,

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 05/13/2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX we sent a FAX to our lender requesting a payoff amount for XX/XX/XXXX. Today is XX/XX/XXXX and we have heard nothing. A call resulted in a promise that they would process the amount and FAX in 24 to 48 hours. Who is responsible for the adjustment if the check arrives after XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (IL).
Issue: Struggling to pay mortgage

Complaint: Hello, I have emailing the bank and filed a complaint with the cfpb before. Everyone assured me the sale date was post poned and today we are showing it went foreclosure in court! If this is the case we need it reverse. I was assured multiple times that she no longer had a sale date.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX, XXXX XXXX, EQUIFAX CREDIT BUREAUS are reporting information regarding bankruptcies that they say that the bankruptcy courts reported to them. I have information from bankruptcy court that states '' bankruptcy court does not report to credit bureaus ". I have asked by certified mail, fax, online and verbally to bureau to remove inaccurate information. To no avail, they have not removed bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Medical debt) with RS Clark and Associates, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A company called XXXX XXXX XXXX XXXX says they have a debt of my from a clinic called XXXX XXXX. So I  asked them how much they bought my debt for and they told me they are working with XXXX XXXX. So when I called them they said they had no records for or showing a debt that I owe. I was a patient with XXXX XXXX about 9 yrs ago. I 've been talking with rs Clark for the last couple of days to drop a debt that does not exist anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Time for my daily complaint with Equifax. I would like to state again that the accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are not mine and are fradulent. XXXX XXXX XXXX claims that a name unknown to me was on this account and it was charged off with a person using my wife 's maiden name 2 years after we were married and her name was changed with XXXX XXXX XXXX XX/XX/XXXX, the proof was provided to Equifax through the CFPB. XXXX XXXX XXXX is an account that was never mine as well, but they hired a company that was sued by me in court and the settlement terms stated that this debt was to be erased, a copy was sent to Equifax and the CFPB and was allowed to be sent to all parties based on the fact that this involves a financial issue. XXXX XXXX is also an account open fradulently as the only jewelry I own came from XXXX XXXX and is insured and worked on with their company. All XXXX of those companies were also called on XX/XX/XXXX and I was informed that no information or conformation was sent to Equifax as Equifax claims. I would also like to add that I received a status update regarding XXXX XXXX XXXX. Equifax claimed that all but XXXX thing was removed by Equifax except I never claimed these accounts were not mine. I requested a block on them pending a medical malpractice lawsuit against their client for negligence and a missed XXXX diagnosis by refusing to do a XXXX and a XXXX as well as ordering unnecessary XXXX that caused bodily harm. I was personally informed by XXXX that all their information was being removed and Equifax was informed that they wanted their information removed yet the resolution Equifax has looks like they are keeping XXXX 's information on my credit report against XXXX 's request, making it seem like an act of revenge. I have and will keep making all these complaints until Equifax follows the law and is held accountable for breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have asked for a copy of the instrument with my signature that indicates that owe the amount they say. I have sent my request via certified mail, disputed with the BBB and filed a complaint with the company 's state attorney generals office and the credit reporting agency. All of them have done nothing to resolve this daragtory information being reported on my reports. The only thing that has been given a very questionable statement that looks like it was cut and pasted together and has information from some other personal. This is not my debt and I have know knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: IQ DATA INTERNATIONAL are threatening me and trying to collect a debt that i do not owe.Upon checking with the Texas secretary of state they are not even bonded to collect here. I sent in a letter of validation and they have not sent me back what i requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Account Management Resources (OK).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Balance is now XXXX ; however, I only received one phone call about this account and I requested a paper bill in order to send payment. Paper bill was never received and I received no other phone call before this was sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (UT).
Issue: Trouble during payment process

Complaint: I have been making payments on my mortgage to Nationstar Mortgage XXXX XXXX XXXX XXXX. I paid extra and requested that it be applied to principal. Instead of applying it to principal, they have applied it to future payments, so that as of XXXX XXXX, XXXX, I do not have a house payment due until XXXX, XXXX. 

I am in a Chapter XXXX bankruptcy in the XXXX of XXXX. Nationstar Mortgage filed a {$45.00} arrearage claim for a possible escrow shortage. They have applied a {$360.00} fee for administrative expenses for the bankruptcy, but for some reason have not included that amount in their proof of claim. They are basing their refusal to apply the extra payments to principal on this {$360.00} fee. They have not said why they just did n't pay the fee out of the excess funds. There should be between {$160.00} and {$260.00} in the suspense account at this point. 

The failure to properly credit my principal payments has increased the amount of interest I am paying.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (IL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: This complaint is off of a closed complaint ( complaint # XXXX ). I had a loan with Wells Fargo and they would not remove the incorrect balance. So what I did is had this account negotiated for paid in full for less than full balance.The agreement was that I pay {$1900.00} in return as paid in full and report a XXXX  ( {$0.00} ) balance. I made the payment and they told me they can not send me a letter until after the payment was made. I think they tricked me because now I still have a balance of $ 4,000+. I have all correspondence needed to show you. 

They told me this would be paid in full for less than full balance. They have lied to me and took advantage.

Company response to consumer: Untimely response
Consumer complaint received 05-11-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction problem

Complaint: On   XX/XX/XXXX  I ord ere d   XXXX   items  through  XXXX , which uses Paypal to make payment. The cost according to  Paypal  were {$3.00} Item #  XXXX  Transaction ID  XXXX  and {$9.00} Item #  XXXX  Transaction ID  XXXX . I wanted to cancel the transaction. Paypal have refused to refund my money. It seems that the shipping of these items were by  XXXX   XXXX , who was unaware that they shipping items from  XXXX  that were paid for with Paypal. Using this particular method of independent vendor,  XXXX ,  Paypal  and  XXXX   XXXX  creates an atmosphere where it is nearly impossible to have a return or cancel an order when each of the companies places blame on the other partners involved in the transaction. To date I have spent ove r 4 h ours on the phone and have nothing except   XXXX    XXXX   XXXX . I have recently contacted Paypal speaking to a  XXXX  #  XXXX , supposedly a Disputes and Claims manager.  XXXX  wanted me to say that I was having problems with the vendor, I explained my problem was with Paypal because they were the ones that were listed by my bank for withdrawing the funds from my checking account. In my opinion Paypal is the major participant because they were the ones who deducted the monies from my account. Once I became aware that  XXXX   XXXX  was involved I have tried to cancelled the order. Paypal has accepted no responsibility and yet accessed my checking account. Paypal has locked me out of my account so I am unable to provide transaction details.

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 09/18/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: CapitalOne continues to report inaccurate information on my credit report with XXXX, XXXX and XXXX without sending in proper documentation as proof that the account is in fact my debt ( NOT A BILL STATEMENT ). This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Debt collection (I do not know) with Second Round Limited Partnership (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I do not know who the second round is but I just want to get this taken care of as quickly as possible

Company response to consumer: Closed with explanation