AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Experian refuses to provide me a copy of my Annual Credit Report and/or a copy of a credit report when denied credit. This is an ongoing issue with them ... sometimes they follow the law and provide it to me and other times they do n't. This is the XXXX time they are requesting a copy of my Driver License. Why??? Nothing has changed since the last time. They are purposely depriving me of my Annual Credit Report under United States law and they need to be made to follow the law like every other citizen and business operating in our country. 

Company response: Company chooses not to provide a public response
Consumer complaint: First National has no right to collect on a debt delinquent from XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. 

I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( XXXX ) on XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt, it merely proves that your company seeks to collect the specified amount. 

Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. 


I Request : -Proof that First National Owns the debt/ debt has been assigned. 
-Copy of Statements from original creditor, XXXX . 
-Copy of Original signed loan agreement/ credit card application. 

Furthermore, I challenge the ability to collect a debt which is past the statute of limitations. In order for this alleged debt to be mine, it would have had to become first delinquent in XX/XX/XXXX, well past the statute. Attempt to collect as debt past statue is a violation of FDCPA ( section 809 ) and places First National in a positon to be fined and sued. 


Finally, I request proof First National Collection Bureau is licensed to collect in the state of Georgia. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I am also making a complaint agains the original creditor. This debt should have been taken care by the VA long time ago. I have no invoice for these services. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Transunion continues to block online access to my credit report when I have been denied credit. They will provide my free annual credit report online and they will provide it to me online if I PAY them, but they continue to block me access from getting a free online copy of my credit report after being denied credit. This is a violation of the law and I would like them to stop forcing me to pay for my credit report when I am entitled to a free copy under the law. They are purposely stealing money from me by forcing me to pay for a report ... this is unacceptable behavior. 

Company response: Company chooses not to provide a public response
Consumer complaint: we applied for a FHA mortgage. We are concerned the appraiser is not a fha certified appraiser. We are also concerned the loan company LiveWell Financial is some kind of scam based on XXXX complaints we read online. After the appraisal they would not answer our calls and we obtained our appraisal after considerable effort on our part almost XXXX month later. The appraisal was 75 % less than we hoped. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX from XXXX XXXX XXXX XXXX. He did not disclose from where he was calling, or representing. I googled the number and it comes up with many complaints and the name " Fidelis '' which is also a large XXXX in XXXX New York - This issue is for a dental bill for which he told me was {$360.00}. I told this XXXX XXXX that we have been in contact with the dental office, and our former insurance carrier about this - that it has been an ongoing issue and not one that we chose to ignore, or not pay. He is bullying, rude, condescending, and threatened me with a lawsuit even after I explained the history. I called my XXXX office, XXXX XXXX XXXX immediately afterwards, and spoke with the office manager who told me that XXXX XXXX has his figures wrong. XXXX his date, and the amount of the bill which is {$100.00}. This begs the question where the other expected {$260.00} would go had we paid this incorrect amount. Right into XXXX pocket. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have had a mortgage loan with Sun Trust Mortgage for almost 10 years. In that 10 year period I was late only once with my payment. My interest rate is 6.8 % and I have tried twice to refinance with Sun Trust at a much lower rate. Both times I was told I did not qualify. I find it ironic that I do n't qualify when I have been making my payment on time for 10 years. I also have had credit cards with Sun Trust for years and I have never just made a minimum payment or been late. I have always been in good standing. 
Is there anything that can be done to lower my interest rate with Sun Trust? I have also been told by Sun Trust and XXXX XXXX that due to the fact that I have a conventional loan not connected to XXXX that I do not qualify for HARP. 
Thank you for any advise or help you may be able to give me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid my cell phone bill online using my debit card on XXXX XXXX, 2015. My available balance reflected this being paid, I budget very carefully these days. Fast forward a couple of weeks later, and my account balance is almost {$300.00} negative. This is from XXXX overdraft fees in the amount of {$35.00} assessed to my account, and other charges Wells Fargo is stating I over-drafted on. I did not knowingly overdraft my bank account. I called Wells Fargo 's customer service today, XXXX XXXX and spoke with a representative named XXXX. She stated that when I paid my bill to XXXX XXXX XXXX, I had an available balance of around {$420.00}. Apparently, when I paid that {$110.00} to XXXX XXXX XXXX and my balance reflected it being taken out, at some point the next day XXXX XXXX XXXX put the money back in to my bank account, but then took it out again a few days later. According to her this is part of the process with pre-authorizations and posting and such. I understand that certain companies charge debit cards that way, but my complaint stems from that " deposit '' that XXXX XXXX XXXX supposedly making back into my bank account not showing up anywhere in my statement, or online. My online account with Wells Fargo AND XXXX XXXX XXXX reflected that amount being paid. After I paid my bill I went on to pay for other expenses, believing myself to still be within my budget. According to XXXX with Wells Fargo, because of this magical 'deposit ' that XXXX XXXX XXXX supposedly made back into my bank account, I overspent by {$22.00} total because apparently the funds were made available to me again. There were several other charges that I was assessed overdraft fees for, and I still do not understand how. At no point in time when monitoring my online account, or anywhere in my bank statements does it reflect a deposit being made back into my account for that dollar amount. How was I supposed to know? When I was speaking with XXXX on the phone, she advised me that information regarding the way that pre-authorizations affect your available balance was not anywhere in the visa card holder agreement, or on their website. ( I checked the website myself after getting off the phone, and she was correct ) I feel that the information on this should have been made available to me at some point in time to avoid having to pay hundreds of dollars in overdraft fees. In not having that information readily available to its consumers, Wells Fargo is purposefully setting us up to possibly over-drafting our accounts in error and subsequently being charged at least XXXX {$35.00} fee, or in my case XXXX fees of that amount so they can profit off of not properly informing it 's customers. This is a deceitful business practice. Banking with Wells Fargo has been a complete nightmare. I know that everything I have typed here may sound a little confusing, I 'm a little flustered at the moment. Please reach out to me with any clarifying questions you may have. Thank you. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a hard inqu. that i did not authorize. 

Company response: Company chooses not to provide a public response
Consumer complaint: This information was removed back in XXXX 2015 and then now, 3 months later it is reappearing! 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX had originally applied for a mortgage modification in XXXX. After XXXX submissions ( they lost or misplaced XXXX ) finally the XXXX was discovered and they assigned an account person to our case. After a few weeks we were notified by phone that the application had been approved and they would be sending us paperwork and agreement. The agreement was a lowering of our payment to {$1300.00} per month and interest rate reduction to 3 %. They also instructed us to NOT make any mortgage payments as this would delay processing. After a few weeks of not receiving anything or being contacted we called them. We were told that our agent was no longer with wells fargo and they had no information on our new mortgage modification agreement. We were told we would have to resubmit paperwork. My wife and I were disqusted with wells fargo and decided they were not going to do anything for us. Wells Fargo continued to send us mortgage modification packs ( at least XXXX ). Finally I thought I would try again. I called and told them our past problems and all the application submissions. I was told they HAD our application and it had been denied by a investor. Something they mysteriously never revealed to us in the past. I asked if wells fargo was holding the mortgage and who this " investor '' was. They said they could not divulge that information, but the investor refused to lower the interest or payment of the mortgage modification. I did n't know an outside investor had a say over mortgage. modifications and over wells fargo. We are still receiving mortgage modification packs from wells fargo, even though the had denied our application. We have had late payments in the past but are current at present time. Since the crash my wife has lost a substantial amount of income and we 've used savings and investments to keep up. I am retired and on fixed income. Wells Fargo has done nothing to assist, except send us foreclosure notices and threatening letters. Oh but they continue to send us the mortgage modification packs. What do they want from us, send in they application for the XXXX time so they can lose it or deny it again. So the " investor '' can deny it, sorry. I 've also discovered that the Office of Comptroller of Currency has a Consent Order against Wells Fargo for failure to comply. I believe this is about the same scenario as we 've experienced with Wells Fargo. Other Big banks have been released from this order by their compliance, Wells Fargo was not one of them. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX is the latest in a series of companies who 've apparently " bought '' very Action Card accounts. I 've told them repeatedly I 've not had an Action card since XX/XX/XXXX, which I paid off both ; I 've noted there was nothing about Action Card in my credit records when I bought a house XX/XX/XXXX ; I 've demanded they send some sort of proof that I owe them anything, which they have not done ; I 've asked them to stop the daily calls at all times of the day, at home and work. XXXX XXXX XXXX is the current company hassling me - their latest " offer '' says the " current owner '' of the alleged debt is XXXX XXXX XXXX. I want these people stopped. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was just made aware that Greentree is seeking settlement of deficiency that occurs following the foreclosure sale of my home vs. the amount owed. I have not received detailed information on the deficiency and was being asked to settle the deficiency. I asked for a reduced settlement amount and also asked that they provide more detail before moving forward. I 've researched that in the State of MI, a borrower 's deficiency is capped at the FMV of the home. I was not made aware of this during their call. They said they will be sending me information in the mail. I also am not happy with the denials I received from them during the short sale process. They ended up selling the home for an amount less than what they were willing to negotiate with me ( via short sale ). I 've attached an email from my realtor that shows her surprise at the pending sale price. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Hi, my report says I was late on mortgage for many months, the truth is I was going through a harp process and I made all payments as required under the terms of harp. I was approved for program and made all payments to them, Wells Fargo/asc did not talk to each other during process but that 's not my fault, I swear I made payments on time, or else I would n't of gotten approved for harp. Wich I did!!!!!! do someone over there is not doing there job correctly and does n't care about my credit which I 've been doing much better on thanks to XXXX. Thank you. There 's XXXX more problems on report, thank you and I look forward to your response. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX XXXX, US bank, opened a claim on my credit report for {$880.00}. XXXX years later they closed it and XXXX bought the account and opened a new claim on my credit report on XXXX XXXX, XXXX for the very same amount {$880.00}. It has been more than XXXX years since the initial debt was defaulted. I called XXXX to discuss this situation and i was place on an extensive hold multiple time after i have stated the facts which are : - Same amount was claimed twice on my credit report by US Bank first in XXXX which closed it out in XXXX then XXXX in XXXX. 
- Original debt was defaulted back in XXXX why opening a new claimed in XXXX as if it is a new debt? 

Company response: Company chooses not to provide a public response
Consumer complaint: In the tail end of 2014, I found myself going through some financial difficulties. Recently divorce, a new business that was not even brining even, and clients that were not paying for their services. I was contacted by the servicing company that has my loan, a debt collector called " Green Tree Servicing '' after offering to send a loan modification application in the mail, and telling me that I could pay a bit lower amount than the monthly mortgage, until I got approved, I felt, I was on my way to saving my home from going into foreclosure. I received and application, that was going to determine if I qualified for the H.A.M.P., and after XXXX mailing it, and faxing all those papers, I was told by Green Tree that the could n't find my application. A couple of weeks went by, I re-fax the application and after almost 2 months, received a letter from Green Tree telling me that I did nt qualify because my credit was too low and the house was not my primary residency. 
After finding out that I did not qualify according to GT, I wanted to know what amount I owed, so I could plan to pay to bring my account up to date. Green Tree would come up with so many reasons why they could n't calculate this amount, why their computer system was not work, and how the supervisor or the person in charge of my account, needed to be the XXXX helping me, while encouraging me to wait for an alternative modification, that some of their investors were going to offer me. I was told they had mail the papers, but after asking them to fax them, so a least, I could see them, their offer seem a worst of solution, than, if I paid everything, and went back to my regular payments. They were offering a 40 years mortgage, at 4.00 interest, higher Escrow, higher PMI, and the monthly fee was adjustable just after 1 year. Lastly, I most say, I want to being able to keep my home, bring my account up to date, and have this scammers brought to justice. Green Tree reported me to the credit companies, and told them I was diluting in my mortgage payments, they make it impossible for me to qualify for a loan, so I could only use them, and accept their " offer from XXXX '' Could you guys help me save my home!!? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was a customer of Wells Fargo for many years. While I was a customer they requested at every chance they got for me to choose paperless statements, so I finally gave in so they would stop asking and to help the environment. Now that I have closed my account I have no record of any activity or history as all of the statements were stored on their site. I called today to ask for a copy of XXXX statement and they told me that because I had no active account to bill the {$5.00} serve charge, I would have to mail a request with a {$5.00} money order. I wish I would have known that I would have no access to my information BEFORE I closed the account. I feel as though they are holding my statements hostage. 

Company response: Company chooses not to provide a public response
Consumer complaint: good morning all you hard-working folks, my wife and i had the typical foreclosure due to underwater bubble burst situation back in 2010, the lien holder XXXX went bankruptand you guys ( government ) took over the mess they left, anyway, this company name GREEN TREE servicing LLC, XXXX az XXXX tel # XXXXXXXXis on us day n night for the balance of XXXX +- a few bucks ; under account # XXXX, for our former home located at XXXX fl XXXXwe wrote to them that, we are cover under the forgivness program and they wont stop, we would love your help to make them REMOVE this negative from our XXXX credit reporting agencies reports and from GREEN TREE collection dept, BY-THE-WAY, they had remove it from XXXX XXXX XXXX credit report and after XXXX got on their case for not removing from her, they put it back on XXXX XXXX XXXX XXXX reportsthanks so so XXXX & XXXX XXXX XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Since the 1980 's possibly sooner my father has fallen a victim of the deceptive practices by large banks and real estate investors, i.e. Wells Fargo XXXX, XXXX and more no relief ever and most recently all his claims been erased from the system including email access. XXXX and Wells Fargo, also more. Remodifying his loans and refinancing illegally making him beleive he is in debt also foreclosure most recently as well as selling contracts out from under him illegally claiming interest or equity. Forcing sell or foreclosure. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is in response to my original complaint case # XXXX submitted on XXXX/XXXX/15. On XXXX/XXXX/15 XXXX XXXX from Wells Fargo left me a voice mail message on my cell phone letting me know that he is working on my case. My wife called XXXX XXXX back on XXXX/XXXX/15 providing her contact details if any additional information is needed for this complaint. XXXX XXXX never called my wife back. On XXXX/XXXX/15 XXXX XXXX left me another voicemail message stating that he needs additional time to research this issue. He stated he anticipated it would take no longer than XXXX/XXXX/15. On XXXX/XXXX/15 I also received an email from the CFPB stating that Wells Fargo has responded to the inquiry. I checked the update and was not happy as it stated that Wells Fargo has not been able to establish contact with me to discuss the correspondence. Additional time ( XXXX days ) is required to complete the research on this issue. I immediately called XXXX XXXX and left him an extensive voicemail in regards to the issue and that I had asked my wife to call to determine if any additional information was needed. We never heard back from him until he called again stating he needed additional time to research. 
We are creating another complaint as I do not plan on going through the same process with Wells Fargo as I did with the loan modification process. 
Wells Fargo has caused enough damage to my life financially and future possibilities to obtain credit. Additionally, they have put me through enough stress, that the least they can do is handle this situation correctly. 
I have attached a time line document with notes that were taken through out the process, letters and faxes that I sent to Wells Fargo during the loan modification process. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX thought that Experian had removed XXXX credit files from my credit report because I was told that the creditors would remove them, and disputed them also, but they are still there. 
The other XXXX credit bureaus removed them without a problem and I just want them off of my report without having to keep having to deal with such a hassle. 
The accounts are1. XXXX Account # XXXX am typing them how they come up on the report. 
It shows as being opened on XXXX. XXXX XXXX XXXX Account # XXXX shows a date of XX/XX/XXXX and a balance of $ XXXX.-But the date shown is the date I think it was sent to collection because it was many years before that. This was also from either XX/XX/XXXX or XX/XX/XXXXPlease can you assist me with this, thanks so much, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: The Credit Card company send me a XXXX on XX/XX/XXXX, indicating the debt is cancelled ; however, they kept reporting to the credit bureau with the original balance and past due balance. I tried calling them to dispute the issue, but they would n't do anything. I dispute with the credit bureau and they XXXX out the balance and past due balance in XX/XX/XXXX. The Credit Card company again report the original balance and past due balance and this become and endless cycle, and I have already filed tax in XX/XX/XXXX for this XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: we are trying to perform a short sale with Wells Fargo. There have been XXXX offers on my home, yet Wells Fargo has not even reviewed them yet, after two weeks, because they ca n't seem to get this open to do a short sale. 

Company response: Company chooses not to provide a public response