AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I am filing this complaint because EXPERIAN has ignored my request to provid me with the documents that their company has on file that used to verify the accounts I disputed.Being that they have gone past 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 which 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: They call more than 5 times a day. They never leave a message. 

They have also called my stepdad and left a message with him, he is not the person I put on my application. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Loan # XXXX XXXX XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.XXXXWells Fargo Home Mortgage in the past has sent me some Pick A Pay Loan Disclosures that change depending who at Wells Fargo Home Mortgage is working that day. Now I dont know which document is real and which one is fake or our both documents fake. Doing this to home owners is called robo signing.Wells Fargo Home Mortgage will not give me a update on the status of my Loan modification application. 

Wells Fargo Home Mortgage has fabricated loan disclosures and now they are not sure which fabricated document to send in this complaint. 


I have made XXXX request to Wells Fargo Home Mortgage requesting copies of all original mortgage statements from the start of this loan because I do not have all copies of all my mortgage statements from the start of this loan. I need all copies of my original mortgage statements with the front and back copies disclosing all required disclosures in order to validate the debt and loan servings concerns. In a typed response Please do not skip this question. 


Are there in Corp Advance fees, Inspection fees, court fees legal fees, for this loan? If so on what dates? 

What is the status of my Loan Modification Application? 

Will you tell me what my loan option are? 

Who will be my single point of contact for my loan Modification? 

Please submit Name and address and phone of trustee/Investor for this loan for lending disclosures including fraud concerns. 

On what date did you receive my Loan Modification Application? 

Was my Loan Modification Application Approved or Rejected? 

I have not spoken to a Single Point of Contact will you assign me a new Single Point of Contact? 
Who is the trustee or investor for this loan? 
Please send me your Mortgage service agreement? 
XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed an complaint with Barclays bank of Delaware on XXXX, I advised Barclays that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Barclays are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Barclays company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Barclays are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Barclays fail to respond in writing, signed by hand, in a timely manner, I will assume that Barclays are in error and this matter will be challenged. As Baclays further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Barclays claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, XXXX. 
As of today XXXX, Barclays have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRAConsent to publish the description of what happened? Consent providedIssue Customer service / Customer relations 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife and I have asked numerous times to stop calling us at work. 
When the call 2-3 times a day, the do not leave the name of the rep only XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Calls routinely trying to contact my son. They have been told with every contact that my son is imprisoned and not available at my residence or at my telephone. They state that my number will be removed. The calls have continued for 11 months. Please make them leave me alone. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: My wife and I were looking to get approved for a FHA loan to purchase a home. I was recommended to XXXX XXXX from a co-worker. I called him and asked him questions on if we are eligible for an FHA loan with Wells Fargo. He told me yes and I even have an approval email from him stating he can get us approved. Next my wife and I filled out XXXX + pages of paperwork signed back to him. After 2 weeks I did not hear from him so I emailed him for an update. He states we were denied and he could not help us. He did not disclose why were were denied. My wife or I never met him in person and when asked to do so he declined. After this experience, my wife and I was approved by private mortgage company. Since then my wife and I have experienced many identify fraud alerts. I feel XXXX took advantage of us and our sensitive information. I am worried about the sensitive information that was shared with XXXX may be used illegally. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed an complaint with Barclays bank of Delaware on XXXX, I advised Barclays that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Barclays are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Barclays company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Barclays are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Barclays fail to respond in writing, signed by hand, in a timely manner, I will assume that Barclays are in error and this matter will be challenged. As Baclays further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Barclays claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, as well as the Better Business Bureau. 
As of today XXXX, Barclays have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRAConsent to publish the description of what happened? Consent providedIssue Customer service / Customer relations 

Company response: Company chooses not to provide a public response
Consumer complaint: Loan Relief LetterTo Whom It May Concern : I am concerned about the current amount of my student loan payments. I have XXXX distinct sets of students, XXXX from private providers XXXX Citibank and XXXX XXXX and XXXX consolidated batch from the XXXX XXXX XXXX XXXX. Here 's the breakdown : Monthly PaymentsCitibank : $ XXXX : $ XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX : {$1300.00} ( monthly ) Total Loan DebtDirect Sub Consolidation Loan : $ XXXX Unsub Consolidation Loan : $ XXXX : $ XXXXCitibank : $ XXXXTOTAL LOAN DEBT XXXX $ XXXX earn approximately {$4800.00} per month at my full-time job. This means that I am currently utilizing nearly 30 % of my monthly income on student loan repayment. This is an incredible burden that I will not be able to sustain for long. I work at a local educational nonprofit that diverts youth from the criminal justice system into a more comprehensive and holistic alternative to incarceration, so I hope to take advantage of the XXXX XXXX XXXX XXXX Program. That said, I need relief in the near term to even be able to afford regular monthly payments. Please advise. 

Thank you, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested and was granted a loan modification from my Mortgage Servicer - Specialized Loan Servicing XXXX SLS XXXX. in XX/XX/2015. At the time my mortgage payment was {$1400.00} at a 9.0 interest rate. I desired a lower monthly payment and lower interest. Once I made the XXXX trail payments of XXXX. I was granted a permanent loan modification ( XX/XX/2015 ) with monthly payments at {$1600.00} with no lowering of the monthly mortgage or interest rate in fact, XXXX increased. Which has caused a hardship with me paying my other monthly bills. 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage is with XXXX. In XXXX, I requested return of my escrow, as XXXX did not pay my real estate taxes. I notified XXXX that I would no longer make escrow payments, as I have paid the real estate taxes and insurance on my own. 

XXXX will not return my escrow and have transferred money paid for principle and interest to other things. The result is an escrow account with no activity and money held in suspense. 

I submitted to Experian copies of my cleared checks which match to my scenario but not to what XXXX has reported. They do not accept my documentation. 

In addition, the phone number provided by Experian for XXXX is incorrect. This is a scam. I can mail the information, but I am not capable of uploading the documents 

Company response: Company chooses not to provide a public response
Consumer complaint: Several months ago, Bank of America closed my Core Checking account. The account was in good standing and always had a positive balance. I inquired about why it was closed and where my remaining balance went. I was just told " sometimes these accounts just get closed. '' When logging in to my account, I am not able to access any of my past statements. 

Company response: Company chooses not to provide a public response
Consumer complaint: Loan # XXXX XXXX XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA.XXXXWells Fargo Home Mortgage in the past has sent me some Pick A Pay Loan Disclosures that change depending who at Wells Fargo Home Mortgage is working that day. Now I dont know which document is real and which one is fake or our both documents fake. Doing this to home owners is called robo signing.Wells Fargo Home Mortgage will not give me a update on the status of my Loan modification application. 

Wells Fargo Home Mortgage has fabricated loan disclosures and now they are not sure which fabricated document to send in this complaint. 


I have made 4 request to Wells Fargo Home Mortgage requesting copies of all original mortgage statements from the start of this loan because I do not have all copies of all my mortgage statements from the start of this loan. I need all copies of my original mortgage statements with the front and back copies disclosing all required disclosures in order to validate the debt and loan servings concerns. In a typed response Please do not skip this question. 


Are there in Corp Advance fees, Inspection fees, court fees legal fees, for this loan? If so on what dates? 

What is the status of my Loan Modification Application? 

Will you tell me what my loan option are? 

Who will be my single point of contact for my loan Modification? 

Please submit Name and address and phone of trustee/Investor for this loan for lending disclosures including fraud concerns. 

On what date did you receive my Loan Modification Application? 

Was my Loan Modification Application Approved or Rejected? 

I have not spoken to a Single Point of Contact will you assign me a new Single Point of Contact? 
Who is the trustee or investor for this loan? 
Please send me your Mortgage service agreement? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been receiving phone calls from a company called CNU and the representative is XXXX XXXX. I believe it is a debt collector, but they will not explain the issue in the voicemail. This company continues to call EVERY day of the week and they will call my work phone twice before calling my cell phone. I do n't know if this is even a debt that belongs to me, but I would prefer a letter in the mail and it be my option to contact them. I do NOT need them harassing me at my job everyday or on my cell. It is embarrassing and annoying. This has been continuous for the past two months XXXX or longer ) ; enough is enough. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On XXXX XXXX, 2015 I received a letter from Reverse Mortgage Solutions , Inc. notifying me that my loan was in serious default due to lender placed flood insurance. I was originally notified of the flood insurance requirement in 2015. I am XXXX years old and live on a fixed income. The amount needed to bring my account out of default is listed on the letter as {$6400.00}, which will increase. I made several calls to Reverse Mortgage Solutions, Inc to get more information in which I was not able to get in contact with them until weeks after receiving this letter. The representative assigned to my account is XXXX XXXX XXXX Ext. XXXX. I looked through my documents and realized that this amount is extremely high and could have been reduced had the company paid attention to the ELEVATION CERTIFICATE that was made part of my initial response to them upon being charged for lender placed insurance. I had my daughter call to see if she could get information from them and am in jeopardy of losing my home in a matter of days. The representative spoke with me on XX/XX/2015 to confirm that it was okay for my daughter to speak on my behalf and since then my daughter has not been able to contact them. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Citibank was alerted XX/XX/2015 and XX/XX/2015 that they had failed to properly post information on my credit reports. The misreporting showed me serious delinquent for 5 years instead of the account being charged off and no longer past due. Including the fact that it never properly stated the date of last payment. 
After being notified, my XXXX credit report was amended to properly show the date of last payment, no longer delinquent and the charge off. 
However, my XXXX and my XXXX were never amended and I continue 6 months later to be showing as serious delinquency. 
For intentional violations of the FDCPA for 6 months after being properly notified Citibank should be fined {$1000.00} at minimum. They had a duty after being informed to properly respond, not partially. 
If they choose not to amend the records AND pay a fine to me then I will start a small claims filing for the amounts due under Federal Law. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have always made automatic payments on my card. I did not see, nor was I contacted to let me know that the recurring/automatic payments were stopped. The company changed websites and appears to have changed the issuing bank, which I believe led to the auto pay stopping. My balance due was only {$20.00}, but then they charged me over {$60.00} in late fees! I have no issue paying the balance due whenever the auto pay was stopped, but they will not accept that. 

Company response: Company chooses not to provide a public response
Consumer complaint: I filed an complaint with Citi Cards CBNA on XX/XX/2015, I advised Citi Cards that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Citi Cards are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Citi Cards company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Citi Cards are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Citi Cards fail to respond in writing, signed by hand, in a timely manner, I will assume that Citi Cards are in error and this matter will be challenged. As Citi Cards further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Citi Cards claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, Citi Cards have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have told them repeatedly that I am not allowed personal calls at work and they keep calling. I am going to lose my job if they do n't stop. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2015 I had sent a payment by the approximate amount the account balance for {$780.00} with check number XXXX for Citi to be credited to the card ending in XXXX. Still today the date of payment it has not been proven despite efforts multiples me customer service and its research department of payments. I sent the evidence of the canceled by fax and mail check. They tell me that they are still investigating. They still me charged interest and minimum payments 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion would not change information after disputing account several times. 

Company response: Company chooses not to provide a public response
Consumer complaint: Initially I never was contacted by Mitchell Rubenstein & Assoc. They were not the holders listed on my credit report pulled XXXX. XXXX had sold it to another company, and I had to call that company and was told my loan had been transferred to MRA. MRA never sent me a bill or any notification that they had taken over my debt or how or where to send payments. My debt was XXXX. I called MRA on XXXX/XXXX/15, and after being grilled about why I had not made any type of payment and explaining that I did not even know they had my debt, I told them I wanted to make XXXX large payments over the next 6 weeks ( XXXX pay periods ) but could not pay it all off on that day and the women I talked to was ok with that. I made the first payment through their electronic site XXXX/XXXX/15 for XXXX. They called me on XXXX/XXXX/15 to ask me why I had not made a complete payment, claiming I said I would make {$1000.00} payments, to which I had definitely not agreed. I was threatened over the phone to immediately send them {$50.00} or be in default, and I countered that I would send their {$50.00} but then would just pay them {$100.00} a month for the next year or XXXX since my paying them off in large chunks every 2 weeks was apparently too difficult for them. She backed down and said that my sending larger amounts after my payday would be " sufficient ''. I made another electronic payment on XXXX/XXXX/15 for XXXX. When I tried to make the final payment online on XXXX/XXXX/15, their payment website was not working. I called them on XXXX/XXXX/15 and then again on XXXX/XXXX/15 and XXXX/XXXX/15, all 3 times forced to leave a message ( could not get to a live person any time ) asking them to return my call ( s ) as I wanted to make the final payment but the website was not working and I needed an address to which I could mail a check. I still have not received a return call from them. I did receive a letter dated XXXX/XXXX/15 threatening legal action since I was in default. I would not have been in default if they had ever sent me written correspondence when they took over the loan ( then I would have had an address or possibly a more direct phone number ), if they had ever sent me a bill, or if they had returned any of my phone calls. I understand that companies buy loans from other companies, but do n't they have to notify people when they do that? 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been a mortgage account holder with U.S. Bank since XXXX 2014. With each month 's payment I send an over-payment to be applied toward the principal, not a prepayment of future months ' bills. Per the bank 's various operators ' instruction, I have included a note to that effect with each payment and my account is noted in their computers that all over-payments should be applied solely to principal. 
However, every month the payment is misapplied as a future month 's payment instead of a reduction of principal. And I have to call U.S. Bank each month to request a correction. 
I consider this practice to be the bank 's blatant disregard for my payment instructions solely in an attempt to garner additional accrued interest on inaccurately large principal balances. This practice must cease, and should be investigated. 

Company response: Company chooses not to provide a public response