AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: My Experian report shows that the company XXXX claims that I owe them a debt. I have requested by certified mail multiple times that XXXX and Experian verify and validate this debt. Both have failed to provide documentation that proves I owe this debt. Experian will not provide me any documentation or information in accordance with the FCRA to prove that this debt should remain on my report. XXXX sent me a rental application that was filled out but not an actual lease agreement. A rental APPLICATION is NOT a lease agreement. It is an APPLICATION. Their paperwork does not prove that I owe this debt and Procollect did not provide me with proof within the 30 day time frame allotted by law. THIS DEBT HAS NOT BEEN REMOVED AND MUST BE REMOVED. Both Experian and XXXX have not complied with the FCRA and are in violation. I request this debt be removed from my Experian credit report as this negative remark has cost me money and prevented me from qualifying for credit. I feel that I am being bullied and discriminated against. 

Company response: Company chooses not to provide a public response
Consumer complaint: closed XXXX/XXXX/15, deed and mortgage still not recorded. 
contacted ALTI SOURCE to find out why, no response. 

Company response: Company chooses not to provide a public response
Consumer complaint: My original mortgage was executed in XXXX XXXX, and within a month it was sold to Wells Fargo Home Mortgage. We have experienced an increase of {$400.00} per month in our house payments since that time. Wells Fargo claims that all of the increases have been because taxes or insurance have gone up or " the State of Texas is requiring more padding. '' Every year we go to the appraisal district and have kept our taxes basically where they were in XXXX. Our insurance did increase a large amount with the XXXX XXXX, renewal because the company left the XXXX umbrella. We now have a new insurance company and the price dropped over {$600.00} each year. 
In XXXX XXXX, I inquired with Wells Fargo about paying my own taxes and insurance and they were amenable to that at that time but we decided to wait until my Trust Fund would become available at the beginning of XXXX. I immediately called Wells Fargo to let them know that we wished to begin paying our taxes and insurance and they told us FIRST that the FHA did not allow that and when I referred them to the RESPA website, which clearly indicated that there was NOT a FHA requirement that escrow must be held by the mortgage company. Then they claimed that it was their personal policy. I responded by stating that there was nothing in any of my loan documents that indicated that I could not elect to pay for my own taxes and insurance and in fact there was an election that enabled me to choose what I preferred at the time the mortgage was closed. After this discussion, I was referred to an " executive mortgage '' consultant who said that she would see if they could " relax their requirement '' in our case. A week later, she called back to let me know that they could not. At that time I informed her that I had gotten new homeowner 's insurance and that I would be taking care of that personally. She was not happy and this time she tried to use the excuse that FHA required that I have an escrow account. Again, I referred her to the RESPA website and then, just as the other agent did, she said it was Wells Fargo 's policy! I was flabbergasted and held my ground by telling her that the insurance had already been paid for and that I would need that amount removed from my payment and that they would also owe me for the insurance accrued in my escrow account. She didnt respond and the call was ended. Here we are a week later and my escrow account and house payment have not been corrected to reflect the removal of the insurance charges. Wells Fargo is creating excuses to retain escrow amounts for their own financial purposes. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an issue with a debt that I should n't owe ( Not the issue here. ) The issue is they call both my cell phone and work phone number about every 30 minutes throughout the day. 

They call my co-workers ' direct lines numerous times a day, which is the real problem. 

It is causing damage to my work reputation having to explain to every co-worker why they 're getting debt collection calls for me to their direct line. 

Not to mention it happening several times an hour throughout the day. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Through XXXX I received notice that there has been a hard inquiry on my TransUnion report from XXXX in XXXX, WA XXXX XXXX XXXX XXXX XXXX. 
Neither I nor anyone in my family has had any contact with XXXX and have not authorized them to institute a credit check. Our mobile service is through XXXX and we live XXXX. I would like this removed from my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: Lender GreenTree / Ditech has : 1. Refused to provide me with WRITTEN DISCLOSURE/INFORMATION as to the REASON WHY they are denying me with loss mitigation avenues to foreclosure ( Deed in Lieu, Short Sale, XXXX, etc. ) to the property in question, this after several years requesting all communications and information relating matter be submitted in writing due to my XXXX. 
2. Refused to provide me with FAIR AND EQUAL TREATMENT in mortgage loss mitigation as allowed to anyone else in my same financial situation when it is unequivocal people in my situation-currently not working since XX/XX/XXXX2015-would qualify for such remedies. Therefore, lender GreenTree / Ditech is discriminating against me. 
3. Lender GreenTree / Ditech claims my regular monthly payment ( principal, interest, taxes, etc. ) is {$5300.00} when the original monthly payment mortgage agreement clearly indicated a much lesser amount of around {$2600.00} total. Lender has been dishonest and corrupt enough to refuse to explain this massive discrepancy in writing also. 
4. Lender GreenTree / Ditech is adding {$2700.00} in monthly charges, due, and fees and once again refuses to explain such ludicrous charges in writing. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX, a Wells Fargo company, claims I opened an account with them in early XXXX w/ a limit of {$6200.00}. I did not open this account nor did I ever use it. I would never do business with a Wells Fargo company due to their practices and consumer lawsuit history. When I saw the account on my credit report in XXXX, I called them, told them I never opened the account and insisted they close it. While they did they reported that they closed it instead of noting it was their mistake. I believe them to be a predatory company & should be investigated for same. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am beside myself. I have been working on repairing my credit for several years. I had XXXX Barclays credit card left over that was sold to XXXX XXXX XXXX , XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX. Phone number XXXX. I have read terrible things online about this debt collector, especially that they try to collect on debts that are not existent. I have received many scam phone calls and letters over fake debt in the past, so I am very careful. I have called this company repeatedly and there call center is outsourced to XXXX. The representatives do not listen, they just keep repeating the account number and the debt amount due. It is my full intention to pay this debt and have offered so to this company. I am the one calling the debt collector trying to pay the debt off. I did not have a payment plan with them and I have made XXXX payments to them since I received their first letter. Payments have been made XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. I have offered to make another payment this month, XX/XX/XXXX but they said there is not a payment due until XX/XX/XXXX. They are now reporting to all XXXX of my credit bureaus that my account is seriously past due and that I have not paid for over 120 days or have missed 4 payments. When I spoke them today, XXXX/XXXX/15, for the second time, ( put on hold and transferred to multiple people for over 45 minutes on each call ) they said they do not report late payments, but I am looking at my credit reports with the XXXX bureaus saying they stated the above. My credit went down XXXX points overnight from them hitting my account besides the initial hit on the original debt from Barclays. Please help I am trying everything and paying these people at the same time. They are reporting derogatory to my credit every 2 weeks which I can see since I have credit monitoring. On today 's phone call they said they would send another report to the bureaus which would still say the same thing about being past due and I am not past due. I must not be the only one this is happening to. I am so distraught, I am pregnant and we are trying to buy a house and this debt collector has free reign to do whatever they want with my credit while I am paying them. This has to be against the law. 

Company response: Company chooses not to provide a public response
Consumer complaint: Our daughter died six years ago and the bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment XX/XX/2015 for a XX/XX/XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX year old retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had requested an official verification of debt under the FDCPA and Hawaii FDCPA from a collection agency, named Argon Agency located XXXX, XXXX Hawaii. The legal definition of " verification '' means to affirm by oath or affidavit. Unfortunately, the alleged debt collector failed to do this even though I had requested it in writing several times. 

They have consistently defamed me to the consumer reporting agencies fraudulently without verification or acknowledge my dispute as a disputed debt, blatantly misrepresenting the debt. 

These acts have caused great injury and irreparable damages in blocking me from credit worthiness that has negatively affected my housing and financial situation. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I made a timely payment electronically to BSI Financial. I received a notice that the payment had been scheduled. The payment did not get processed. I emailed and then called BSI to find out what the problem is. They can provide me no explanation for why my payment will not process, they can not locate a supervisor to talk with me and they will not provide me the information of the government agency they are accountable to. How can I get BSI Financial to properly process my on line loan payments? 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: Both accounts on my credit report are misreporting a rolling charge off. Many months if not more than a year. 
XXXX ( Experian ) # XXXX for misreporting a rolling charge offXXXX ( XXXX ) # XXXX, ( Experian ) XXXX XXXX for misreporting a rolling charge off 

Company response: Company chooses not to provide a public response
Consumer complaint: Pulte Mortgage has taken more than 2 months and still has not finalized our application and gotten an answer from the underwriter. They constantly loose the personal financial information they request and get from us. They have missed scheduled phone meetings [ resulting in replacing the person we were working with ]. Constant delays and broken promises about specific self imposed deadlines. 

Company response: Company chooses not to provide a public response
Consumer complaint: there was a scheduled automatic payment debited to my account to pay my Santander mortgage but since XXXX XXXX I noticed that my bills were getting paid and the Santander bank account was overdrawn and the Santander checking account was charging me insufficient funds for {$35.00} and a week later they will charge me again sustained overdraft fee $ XXXX. I went personally to the Santander Branch several times to stop the automated mortgage payments to then choose a date that I know my XXXX Check is being deposited. Where then I know my bills are paid and I do n't get the overdraft fees charged on me. Ive been going and calling since XXXX XXXX. The Branch on XXXX XXXX, XXXX PA did n't do nothing to help me. The phone calls on XXXX made the Santander Mortgage sent me a document where they charged me {$10.00} to change the date of the automated payment from XX/XX/XXXX to XX/XX/XXXX. this form later I learned that it needed to be received, singed and sent every month. And so I continue visiting the branch to change this hassle. and no one helped. I received the letter to change the automated deduction on XX/XX/XXXX and I signed and sent it with the check. {$10.00}. Which I do n't know what I am paying that amount yet. And the mortgage still deducted my mortgage payment on the XXXX. this made my account to be overdraft again and now I have been " hit '' with a {$70.00} fees. When I went to the branch I talked to XXXX XXXX, to see if she can help me in the beginning of XXXX XXXX and she went on the phone to call the mortgage but she was helping other people at the same time and walked out I did n't knew if we were done talking or not, so I waited and then left. 

Company response: Company chooses not to provide a public response
Consumer complaint: my wife lost her job I missed a pymt. the mortgager called ask what was going on they said the would give me a Forberance for a year then when the year was up we would do a Loan Mod. as of XXXX of 2015 been putting in apps for a loan mod it takes like almost 3 months per app and I was denied everyone of them! its like they told me it was a done deal that I would get a mod that the only reason I did the forbarence! then in XXXX of 2015 after the last denial, and they do not accept pymts when I 'm trying to get a loan mod!! they Tell me that they were sorry But I was ever even Eligible for a Loan Mod!!!! so now they want {$9500.00} in Full plus what ever other charges they have!! I think this whole thing was wrong what wells fargo did to me!! 

Company response: Company chooses not to provide a public response
Consumer complaint: I pay bills online exactly the day they are due. Barclay has decided to not accept online payments for my due date after XXXX eastern time which is XXXX for me. This has never been convenient and payments online after XXXX is my standard procedure. This problem is currently occurring and has been an negative issue for several months. I have made this problem known to the company several times and they have responded by refunding the late fees, only to make me pay the amount due and removing the fees from the balance. This method is also inconvenient because I am still having to go over budget to pay the " waived fees ''. I have complained to them about this several times and now they refuse to remove the fees. This problem is well documented within my account and their acceptance of it being a problem is well documented with the refunds. 

Company response: Company chooses not to provide a public response
Consumer complaint: I dispute the following accounts below on XXXX XXXX, 2015 and XXXX XXXX, 2015 directly with Experian and they failed to mark these accounts as in dispute. 

There are two possible violations here of the Fair Credit Reporting Act. 

1. They ignored my dispute and failed to conduct a reasonable investigation. 
2. They contacted the furnisher of the inaccurate information and failed to mark the account as in dispute. 

XXXX XXXX Bank - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I sent a XXXX wire transfer to XXXX, but in the XXXX bankthey say they only received XXXX XXXX. over XXXX dollars are lost. 
my bank here says they send it, and the bank there says they only receivedXXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian does not provide credit report online via annualcreditreport.com. 
I keep getting the message " we are unable to honor your request '' I am being asked to do this via snail mail! There is no explanation as to why. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My vehicle was financed with Lincoln Financial Services. My payment was 31 days late and they repossessed the the vehicle. I made several attempts to get the vehicle back and the VP stated she did not have time to talk with me and that I would have to wait for her schedule to open up to speak with me. I strongly urged her to address the issue with me on the phone and she hung up on me while stating she did n't have time. When I called back and asked for her supervisor her staff advised me she was the owner of the company and I was not able to speak with anyone else regarding the situation. So at this point, not only am I not able to get my car back, but her staff has also lied and stated she holds a title that is completely false. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I applied online for a Barclay Bank Visa card as part of a program through XXXX to finance a new computer. They have never sent me so much as an invoice, let alone the actual card. I 've not been able to make any payments online because you need the card number to set up online payments. The only thing I know is the last XXXX digits of the card, because that was in the first email they sent me. When the account is in arrears enough, I get an offer of a payment plan, and can sign in using the last XXXX digits of the account to make a payment. Once you make a payment, you can no longer sign in that way and have to wait to be in arrears again. I have been able to make XXXX payments, and my credit score is plummeting because of this. The only way to contact them is over the phone ( I have XXXX and ca n't use the phone ) or at a mailing address. I wrote them a letter XX/XX/XXXX asking for their help and received no response of any kind. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am being charged for a medical bill that should have been covered through XXXX, however the bill was never submitted to my insurance company. I was never contacted by the hospital about the bill, and was only notified recently after the hospital sent the bill to collections, and now I owe a debt that I should n't have been required to pay in the first place. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: U.S Postal Certified Mail No : XXXX XXXX XXXX XXXX 5864Acceptance XXXX XXXX XXXX, XXXX XXXX : ExperianXXXX XXXX XXXX, XXXX XXXXXX/XX/2015RE : Acceptance Now - REQUEST FOR PROOF OF CLAIMXXXX XXXX SSN # XXXXAccount # - XXXX****You are hereby ordered to CEASE AND DESIST to include, all phone calls and credit bureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federal statues, Fair Debt Collections Practices Act, XXXX Debt Collections Practices Act, Fair Credit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number and presented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I hereby CONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demand for payment in the above named matter upon your complete and total fulfillment of the following conditions : 

Company response: Company chooses not to provide a public response
Consumer complaint: Third party collection agency is trying to collect and reported to credit bureau a debt I advised I do not owe the amount they say I owe as I made payments. I also sent a letter within 30 days disputing debt and requesting them to show me how I owe them I never received a response. The amount I agreed I owed i paid in full to original creditor prior to it being put on my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: My sister 's information is showing up on my credit report. This has become an issue because her bad debt is causing my credit score to drop. I need to know how I can get her information removed As Soon As Possible!!! A credit report has already been run. The Report # is XXXX. I do n't wish to have my credit run again as a hard inquiry as this will also reflect badly on my report. I was told that this report # would suffice for the issues in question. 

Company response: Company chooses not to provide a public response