AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I 've reached out to Wells Fargo to modify my loan. On XXXX XXXX, XXXX, I submitted all of my loan modification paperwork with supporting documentation as was required in order for the non judicial foreclosure scheduled on XXXX XXXX, XXXX to be suspended. 
Unfortunately when I went to the Wells Fargo portal to check my loan modification status on XXXX XXXX, XXXX, it 's showing that the foreclosure sale it still active for XXXX XXXX, XXXX. 
Per the guidelines of any any modification agreements that were executed with security deeds under FHA/HUD and were placed in XXXX XXXX Pools that did not follow XXXX XXXX guidelines prior and current, will be null and void per the regulations of XXXX XXXX Mortgage Backed Securities Wells Fargo is in violation of the Amended Office of Comptroller and Currency XXXX Consent Order regarding this loan In particularly ; Article IV - Compliance Program Article VIII - Management Information Systems Article IX - Mortgage Servicing 1 ). I 'm attaching the completed modification packet ; 2 ) .the Amended XXXX OCC Consent Order ; 3 ). Wells Fargo Loan status showing that even though my modification pact was submitted, I 'm still showing the sale is moving forward. 4 ) Verified Affidavit stating that Wells Fargo has no authority to enforce the Security Deed and Note. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am a XXXX Veteran. I purchased a money order from XXXX and did not use. Certegy has declined the transaction to return the money order and receive my money back. I purchased a money order for {$1000.00} but did not use it. When I tried to get a refund Certegy declined to allow XXXX to refund my money. I purchased a money order for {$1000.00} but did not use it. When I tried to get a refund Certegy declined to allow XXXX to refund my money. When I called and advised I had all the documentation used to purchase the money order they indicated that due to some XXXX risk factors they could not refund my money. The individual continued to repeat about risk factors that had nothing to do with my purchase considering I had the receipt, money order, money order receipt, drivers license. I was told that I needed to take it to another establishment to get my money and would have to pay whatever fees they would charge. This is consumer fraud. They should not be in the business if they refuse to honor the money order program as designed. Now I am stuck with a money order I can not use and the company refuses to refund my money. 

Company response: Company chooses not to provide a public response
Consumer complaint: After checking my credit reports I saw that my credit scores had dropped and saw that I had XXXX collection accounts ( from XXXX and XXXX, PA ) that were added. I had never heard from this company before, never got anything mail or phone calls from this company before it was placed on my credit reports. So I sent them a request to validate the alleged accounts ( on XXXX/XXXX/2015 by fax to XXXX ) but never heard back from them within the 30 days required by the LAW. So on XXXX XXXX, 2015 I sent them another requesting that they delete the accounts from my credit reports since they did n't respond within the 30 days as the law required. As of today they continue to report these accounts on my credit reports. I 've contact the original creditor who is listed on my credit reports and they did n't have any information about the XXXX alleged accounts. They continue to report these alleged accounts to the CRA 's in violation of the FCRA, FCBA because I was never sent any notices before they reported these alleged accounts on my Credit Reports. These accounts have been deleted from my credit reports and keep getting sold to other companies after its removed from my credit reports. The alleged account is in violation of Pursuant to XXXX FOUR-YEAR LIMITATIONS PERIOD. These accounts were deleted and continue to be resold and placed back on my credit reports ( the companies that had the accounts that were deleted, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). I sent the collection company a letter to validate the alleged debt and never heard back from them but continue to report that it belongs to me. 

Company response: Company chooses not to provide a public response
Consumer complaint: In my previous correspondence and details of letters sent and no replies given by Wells Fargo Home Mortgage. I again have received another letter from an additional state agency. This letter dated XXXX XXXX, XXXX and received on XXXX XXXX, XXXX to my home since purchase in XXXX. This letter from State Foreclosure Prevention Fund, states. Your mortgage company may have informed you recently that you were late on your mortgage payment. If you miss a payment or payments, you XXXX be facing foreclosure on your home. I want you to encourage you to TAKE ACTION NOW to prevent that from happening. It includes the toll free telephone number/email address ( XXXX ) XXXX /www.ncforeclosureprevention.gov, signed XXXX . XXXX XXXX, Manager, Foreclosure Prevention Program. 
This letter comes on the heels of numerous correspondence sent into CFPB and directly to the XXXX portal and Wells Fargo Home Mortgage Executives and CEO 's. All while receiving robo responses and additionally responses to CFPB, stating they ( Wells Fargo Home Mortgage ) are unable to make contact with me. In all correspondence I include my home address, direct telephone number and email address. So to allege that no contact can not be made is categorically false. The semantics displayed by Wells Fargo Home Mortgage has now risen to a laughable level. All while never requesting the factual receipts and records of deposits by myself. It is my hope with the newly appointed point of contact, that Wells Fargo Home Mortgage could take steps to settle how they applied my payments, rather than send disparaging information to foreclosure prevention bureaus. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to ... '' promptly delete all information that can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank You 

Company response: Company chooses not to provide a public response
Consumer complaint: I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have gone past their 30 day mark and can not verify these accounts, Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... .Promptly delete all information that can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank You 

Company response: Company chooses not to provide a public response
Consumer complaint: this company did a hard click on my credit with out my permission i applied for refinance with XXXX XXXX and the got my info from them and checked my credit without my knowledge or approval 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been contacted numerous times and continued to be harassed by by telephone by a company called " Enhanced Recovery Company , LLC '' concerning a debt owed by someone else. I have informed them that they have the wrong telephone number and wrong person, but they continue to harass me at all time of the day by telephone robo-calls. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In receipt of the latest correspondence from Wells Fargo Home Mortgage, dated XX/XX/XXXX, which lists the current balance and total payments. The lists of current payments include, {$820.00} / Unpaid payment XXXX and Total payment of {$3300.00}. On XX/XX/XXXX, I visited the Wells Fargo Branch located in XXXX XXXX XXXX XXXX, where I spoke directly with personal banker XXXX XXXX deposited {$1600.00}, with a unapplied amount of {$19.00} to be added totaling {$1600.00}. Additionally XXXX XXXX contacted Wells Fargo Home Mortgage representatives, while I witnessed the conversation, which resulted in the representative understanding how much was to be deposited and how it was to be deposited. Also while I sat with XXXX XXXX, I left a voicemail with my new point of contact XXXX XXXX ( XXXX ) XXXX, along with my repeated concerns of how my mortgage payments were applied and also the three ( 3 ) escrow analysis performed on my mortgage account without my consent and or authorization. XXXX XXXX assured me that he would make every effort to address my concerns, handing me his personal card, information, etc. Today 's letter however does not reflect the deposits I made on XX/XX/XXXX, thus reinforcing the fact that monies sit in the banking institutions while gaining interest. The fact that Wells Fargo Home Mortgage has state of the art communications at their disposal, it baffles me that money sits after deposits are made, while Wells Fargo insists this is not the case. It is my hope the constant letter sent to credit bureaus/agencies and a definitive answer can somehow have clarification in writing. The constant robo letters sent by Wells Fargo Home Mortgage, never answers any questions. Only satisfying inquiries sent into the CFPB and their guidelines for response. I request undated accounts and accountability of those involved in the constant delay tactics and non-answers from Wells Fargo Home Mortgage. 

Company response: Company chooses not to provide a public response
Consumer complaint: I closed an account with Delbert Services ( DBA XXXX ) on XXXX by authorizing payment to be made in full. The transaction is reflected in my checking account. On XXXX XXXX, 2016 I followed the XXXX guidelines for disputing an entry on my credit report. I sent the document via fax ( all receipts and confirmations available ) expressly requesting that the entry be disputed as their data as of XXXX of 2016 still showed an open account with a {$10000.00} balance. XXXX has refused to place the issue in dispute or make any changes. I am working to pay my bills but when XXXX and Delbert services throw roadblocks in my way and refuse to even communicate with me it makes it a lot harder. 

Company response: Company chooses not to provide a public response
Consumer complaint: Retrieval Masters has contacted me repeatedly over the past 6 months attempting to collect a debt they say I owe. Each time they have sent me a letter or called me I have asked them to provide evidence and proof the debt is mine. They have responded three different times they will do so, however they have not provided evidence even once. I believe this company is a fraud and scammers and the debt does not exist as they have not been able to provide one single piece of evidence showing the debt is actually real and legitimate. I would like this company to immediately stop contacting me as they are trying to steal money as this debt is not valid. There should be a governing body that fines harassing and illegitimate companies such as Retrieval Masters. If my credit is effected by this scam company I should receive restitution ( I will seek legal council in this matter ) and they should be barred from contacting any consumer. Their practices should be heavily reviewed because they are in fact breaking the law by ignoring my right to have them provide evidence before contacting me again and refusing that request and have become more harassing. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Citimortgage holds the mortgage loan to my home. 
I defaulted, and Citi filed for foreclosure in XXXX XXXX Ohio Court of Common Pleas. 
They won. The judgement against me is under a stay, while I have worked with Citi to receive a mortgage loan modification. For 7 months I have worked with Citi for a loan modification. 
On XXXX/XXXX/2016 a Citimortgage " Homeowner Support Specialist '' told me in a recorded call that I can not have a mortgage modification because the loan is owned by XXXX XXXX XXXX XXXX and told me that " XXXX does not participate in the loan modification program. '' The Citimortgage representative told me my qualifications to receive a loan modification were never considered. 
Every document I have seen states Citimortgage owns my mortgage loan. 
Citimortgage participates in mortgage loan modification programs. 
Citimortgage is under a consent decree with the U.S. Dept. of Justice to offer assistance with distressed homeowners. 
I am a distressed homeowner. 
There is something wrong about Citimortgage 's refusal to allow me to receive a mortgage loan modification. I am employed. I am well qualified for a loan modification. 
So do they own the mortgage loan or not? 
If XXXX XXXX XXXX XXXX owns the mortgage loan on my home, why does it not say so in the public record, and how did Citi have the legal standing to sue for foreclosure? 
If XXXX XXXX XXXX does own the mortgage loan on my home, how does that stop me from receiving a mortgage loan modification? 
What Citimortgage has presented me instead of a mortgage loan modification is an impossible repayment plan for all missed mortgage payments, the ballooning finance charges, the late fees, escrow, all their attorney fees & their court costs, well over {$22000.00} and is demanding that I pay XXXX of that whole amount in XXXX lump sum, up front. 
The problem here is that to now, Citimortgage has asserted they own my mortgage loan, and now that I can qualify for a mortgage loan modification they have either A ) ginned up s pretext for denying me a mortgage loan modification or B ) committed some public fraud, claiming they own the mortgage loan when they do not. 

Company response: Company chooses not to provide a public response
Consumer complaint: Select Portfolio send me a refund check from my escrow account. I did n't cash the check for over a month but when I did select portfolio cancelled the check. My bank charged me XXXX for a bad check. I called Select Portfolio after a 40 minute run around they said they did cancel the check. They could n't tell me why I was n't notified but stated if I faxed over the document from my bank they would reimburse me the XXXX. That was back in XXXX. When I call they just blow me off and say they are working on it. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: * Letter and documentation attached to explain it all and most of the choices above did not match my case, but had to pick something. 
* Sent to collections for a charge i should not pay to replace carpeting in an apartment. Most stains from previous tenant and carpet would naturally get worse as we lived there. Carpet also near the end of its useful life ( 1 year left ) and old, already worn down. 
* Tried to work with Property Mgmt. company and showed them picture of large stains coming up 4 weeks after we moved in. 
* Trying to charge me over {$700.00} to replace. 
* Collection agency never validated debt I disputed ( within a few days of collecting bill ) and never responded. 
* Continue to harass and call me, threatening type verbiage, and violating the FCRA. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: several issues. 
forced me into FHA after forcibly holding up a refi which finalyl closed after my purchase. 
due to teh holdup-my debt/income ratio forced me out of conventional and into FHA ( or I would have lost the new home purchase ) second issue-they are holding over $ XXXX TOO much out for escrow account. 
third-they have on at least XXXX occasions admitedly recieved my payment on time but still charged me a late fee until i called them on it. 
they stated clearly they got payment on time but didnt post the payment until after it was late.. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: For years I had credit limits over XXXX. Then the credit crunch came and many non used accounts were just closed and credit limits reduced in a one way transactions. The banks just reduced credit limits. I been working with social security XXXX and have just been approved after a 3 year period of struggle. Now I have Wells Fargo reducing my credit limit without any notice. Just boom. The credit market is so tight, its totally out of control. These big bank officers should have been put in jail for the great recession, just like the savings and loan scan.dal in the 1980 's. Now out of the blue, Wells Fargo lowered my credit limit, again restricting and reducing credit scores and credit limits. Absolute control by the rich and powerful XXXX! Totally out of control in this county, XXXX over a veteran and XXXX individual just because you can. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am in the process of closing on a home loan. Was instructed to pay this account off. So I contact Southern Management Systems and talk to a XXXX XXXX and XXXX who is the lady who picks up the phone. I came into an agreement to pay the debt but first I wanted to assure that they will give me an offer letter and a letter that I have paid the debt off once the payment has been processed. Upon me requesting these documents, XXXX XXXX 's professionalism left and he began to be extremely rude and said that he was not sending anything to me and that if I did n't like it too bad. After a back and forth moment, he just hung up. I have tried to resolve this issue but he never calls back. I also asked him if he could verify the debt and he refused. This could very well hurt my approval for my loan. I am trying to pay but they just wont work with me. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have disputed account XXXX from XXXX XXXX XXXX reporting inaccurately on my credit file. I was [ n ] ever late with respect to this account. Experian has conducted an improper cursory investigation into this account. A Consumer Reporting Agencies reinvestigation obligation is to verify the accuracy of its original source of information. This duty may include going beyond the original source. See : XXXX v. Experian Information Solutions , Inc., XXXX XXXX XXXX ( 2010 ) .Please provide me with the method of verification as required under 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. Pursuant to the FCRA in 609 ( c ) ( 2 ) ( E ) ; " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated and or can not be verified. 

Company response: Company chooses not to provide a public response
Consumer complaint: i sent a debt validation letter to united collection bureau on XX/XX/2016 via certified mail, it was signed for and received by them. i have never received any further mail or validation on my debt from this company regarding a XXXX XXXX bill in the amount of XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX, XXXX XXXX 
Attorneys At Law XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX In XX/XX/XXXX, Said law firm, which operates as a debt collection agency, called our cell XXXX, numerous times asking for and leaving messages regarding an attempt to collect a debt in the name of XXXX XXXX. 

At this time, I called back informing them that there was no one here by that name, and to cease and desist calling per FDCPA 15 USC 1692, and the Collection Agency Act of Illinois. 

On or about XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, XXXX XXXX, with said law firm, again started calling and leaving voice messages for XXXX XXXX operating under supervision of the person who identified as DIR of OPERERATIONS XXXX XXXX in clear violation of the FDCPA and Collection Agency Act of Illinois. 
I can provide the voice recording upon request. 

When I called back the number provided by XXXX XXXX in voicemail ( XXXX ), and asked for a supervisor, I was shuffled around. I specifically asked the man on the other end who identified as a supervisor, If they were aware of the FDCPA, and specifically if they were a debt collector, or law firm trying to collect a debt on behalf of a debt collector. To this inquiry I was given no response. 

As a law firm specializing in debt collection practices, there is no excuse for the flagrant disregard for federal and state laws of which the staff of ARNOLD SCOTT HARRIS engaged in, or the deliberate attempt of his staff to conceal their identity and role in the illegal activities of what is an unethical attempt to prevent complaint filing. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Homeowner had Foreclosure mediation with Select Portfolio Servicing Inc. & their attorney on XXXX/XXXX/2014. No retention option has been reached & Select Portfolio Servicing offered Cash for Key to move out for {$3500.00}. Select Portfolio Servicing prepared document for Homeowner to sign & Also mediator confirmed during our mediation that they are going to give Homeowner {$3500.00} when they takes the property. Homeowner 's property has been taken away by Select Portfolio and they never sent payment to Homeowner. We called to the Select multiple times to send us check but they would not send check to Homeowner who 's house has been taken away by Select Portfolio XX/XX/XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I purchased some jewelry in XXXX from XXXX. The merchant facilitated the financing through Well Fargo. The creditor never provided me with a Credit Score Disclosure. 

Company response: Company chooses not to provide a public response
Consumer complaint: In late XXXX, early XXXX of 2015, I made some purchases that were supposed to go through my XXXX account to my XXXX XXXX account. Instead, XXXX erroneously charged my Suntrust account. I had been trying to remove this account from XXXX for months but kept getting errors. I contacted Suntrust to stop any transactions from XXXX and XXXX, the banker, told me she would handle it. Weeks passed and my account went negative from the issue because the charges were never blocked. I contacted my banker again, only to find out she was no longer with Suntrust. The branch manager at the time stated she would look into it and get back to me. Another week passes and I call to find there is a new branch manager who knows nothing about the situation. I stated I wanted to have this resolved and she said there was nothing she could do because the account was now in closing status. She said to wait until it fully closes and call back. I did. When I called back, I was then told there was nothing I could do because the account was closed and I would have to wait on a letter. Now, this account is reporting to my XXXX and Suntrust is being very " oh well '' about it, when they can clearly see the multiple attempts in my account from XXXX. XXXX needs a better system for removing accounts and Suntrust just needs better customer service. I 'm still trying to handle this account 8 months later and I 'm just getting the run around for the most part. Suntrust just wants me to pay the money and that 's about it. This is causing me so much financial stress because I ca n't get a bank account with my husband at his credit union with this on my file. 

Company response: Company chooses not to provide a public response