AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Why would there be a need for a mortgage servicer to obtain another Abstract Title? As I understand it, the original Title should prevail throughout the life of the loan. According to my settlement sheet, I paid well over {$3500.00} for Title from XXXX XXXX, located in XXXX, NY in XXXX. Now, I 've found, according the County Clerk 's records, that yet another Title has surfaced from XXXX XXXX, located in XXXX, PA, obtained by LoanCare Servicing, who in turn supposedly sold the loan to XXXX, even though LoanCare was not the owner of the Note. How could they sell something they do n't own and paid absolutely nothing for? Did I mention the original Lender was the infamous " XXXX '' I thought when XXXX went defunct, all loans were to be delivered to XXXX. Mine was n't delivered until XXXX, three years later. During that time, there was NO ASSIGNMENT until XXXX to none other than who else, the servicer, LoanCare. Also, this was an FHA loan. If in default, should n't FHA have obtained it and sold it themselves? Where are they? Why was there a need to change Title Trustee from XXXX XXXX to XXXX XXXX? Does n't this place a cloud on the tile? I may be a novice concerning Real Estate but something just ai n't right. The way LoanCare and XXXX conduct their business, I 'm sure we 're headed for a repeat meltdown of the housing industry, as was the case in XXXX. I 'm hoping the Courts have gained more knowledge of these dirty dealings and will not let them seize consumers homes fraudulently. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: National Commercial Services FAX # ( XXXX ) XXXX Re : account # XXXX Attention to DISPUTE DEPARTMENT Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify any company associate with this account and tell them the debt is the result of identity theft. 
I have enclosed a copy of the Federal Trade Commission 's Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform any company associate with this account National Commercial Services that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX D.O.B : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX SS # XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have formally requested my free annual credit report from Experian twice. They have sent the same response, that " We were unable to honor your request because you did not provide sufficient identification information for us to verify your identity '' -- HOWEVER, I have sent everything they require, including : my full name, Soc Sec number and copy of my Soc Sec card, complete addresses for 2 years, date of birth and copy of my birth certificate, a copy of my driver 's license with my CURRENT address, and a copy of my most recent bank statement. EVERYTHING was legible. I have included additional copies of my Veteran 's Administration ID, voter 's registration, fingerprint clearance card, AND mail addressed to me from government entities with my current address on them. I ca n't reach them by phone or via the internet regarding this issue because they have no prompts or links to assist me with this particular matter. Another credit bureau, XXXX, has already sent a report to me with the same information. Please help me. XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been paying XXXX directly for my bill of {$400.00} and Enhanced Recovery Company is claiming to own my debt. I told XXXX the rep. from Enhanced Recovery Company who called me initially that XXXX have agreed to continue getting paid directly from me for the account and Enhanced Recovery Company can not put it on my credit reports as a debt owed to Enhanced Recovery Company and XXXX said I ca n't pay XXXX I have to pay Enhanced Recovery Company or they will take me to court and I would face criminal charges for this debt. Enhanced Recovery Company went ahead with putting the Debt collection on all XXXX credit reporting agency reports. I called several times and have been hung up on and told to pay them or else they would continue to trash my credit. My credit score have dropped to under XXXX and several of my creditors have closed my accounts due to Enhanced Recovery Company actions of falsely reporting this debt and also continue calling my cell phone and work phone daily 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have been trying to modify my home loan with Wells Fargo. I have been denied twice, the first denial was because too much income and the second was due to not enough. My son contributes money to our household which I had provided to Wells Fargo, they then declined my modification due to too much income. I reapplied without his contribution and was then denied for not enough income. My husband is XXXX, as with any business things get slow and we struggle just many other people. I am not able to work, I have XXXX and XXXX. I am XXXX that someone can help me save my home. I want to finish out my life here where we have made many memories and hope to make many more 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I purchased a house back in XXXX XXXX with another person. The mortgage has fell behind on several occasions and XXXX loans modifications were done. Only the other party was living in the house in XXXX and was suppose to being paying the mortgage which they were not and they applied for the loan mod rather than have the house foreclosed on because the mortgage was past due. I only agreed to sign the loan modification paperwork if they would let the other party assume the mortgage after I Quit Claim deeded the property to the other person. I signed the deed over and signed the loan mod for the mortgage and Wells Fargo denied our assumption afterwards on the basis that they created a secondary lien to HUD around the amount of XXXX which was the past due amount and the person at Wells Fargo informed me that needed to be paid before they could approve the loan assumeption. Now I am on the mortgage, not living in the property and have no ownership rights to the house. The other party is renting the house out and has kept the account in good standing for the last two years. I am unable to take out any type of loans because I am tied to this mortgage and I do not receive any type of rental income. If I would of known this I would have let this house been foreclosed on so at least it would come off my credit at some point. Wells Fargo should have made us well aware about the secondary lien would have to be been paid before we XXXX signed any paperwork. There is about XXXX left on the mortgage and the secondary lien is around XXXX to HUD. The property value is around XXXX. I do not want to have to hire an attorney to file a Quiet Title Action to have the Quit Claim Deed stricken since I gave up my ownership under false pretenses or information omitted by Wells Fargo. All they need to do is a partial release of mortgage or let the owner assume the whole mortgage. I know Wells Fargo has been very deceptive in the Loss mitigations practices and this is another example. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I regularly monitor my credit report and a company XXXX XXXX XXXX appeared on my report alleging I owe them a total of {$700.00}. I called company to inquire about item on my report I ask where did they obtain my information from and what company did you work with in order to obtain my info because this does not belong to me. After speaking to the representative the out right said I owed this money. I sent a validation letter to this company during XXXX -2015 & XXXX -2015 and yet to hear a response back from them. 

Company response: Company chooses not to provide a public response
Consumer complaint: Wells Fargo prematurely closed my account despite me making agreed paying. when I opened the account, I agreed to pay {$100.00} per month and I have never paid less than XXXX per month. when I contacted the creditor ( XXXX and XXXX ) for assistance in managing my Wells Fargo account, they verbally indicated that they no longer bank with Wells Fargo because they do not deal well with customers and that Wells Fargo has closed all of their customers accounts in XXXX. Since the deal with Wells Fargo and XXXX and XXXX ended, Well Fargo have been inflexible in managing the late fee and discrepancies on my XXXX and XXXX account. Although they closed my account after increasing my credit limit, I continued to pay on the account, but my credit report reflect that it is charged off because i have missed XXXX or XXXX full payments ( due to late fee and online banking issues ) and have been trying to rectify the discrepancies and get my account current since XX/XX/XXXX, but wells fargo have been extremely punitive with their exorbitant late fees and rude customer services reps, who speak to you in a condescending manner and tell you that thereis nothing they can do but close or charge off the account and ruin your credit. they then proceeded to close my account in XXXX although they received payment. Please note payment made as reflected through my online XXXX account statements : XXXX XXXX XXXX XXXX/WELLS FARGO XXXX XXXX XXXX XXXXReference # XXXX {$120.00} XXXX XXXX XXXX XXXX/WELLS FARGO XXXX XXXX XXXX XXXXReference # XXXX {$100.00} XXXX XXXX XXXX XXXX/WELLS FARGO XXXX XXXX XXXX XXXXReference # XXXX {$100.00} XXXX XXXX XXXX XXXX/WELLS FARGO XXXX XXXX XXXX XXXXReference # XXXX $ 100.00I will be happy to forward the aforementioned transactions through a formal bank statements to support this documentation. 

In XXXX, and XXXX I missed online payments due to an online banking glitch, but from XX/XX/XXXX, Wells Fargo have consistent received payment as reflected in your credit summary. I explained this to Wells Fargo and other creditors that were affected. other creditors did not charge my account off. they worked with me to rectify the past issues, and now my accounts are in good standing. Wells Fargo has made no effort to work with me as they appear to be no longer invested in me as a customer, due to their severed relationship with XXXX and XXXX, who has actually apologized for the problems and invited me in to open an account with their new bank ( XXXX ), as they no longer do business with Wells Fargo. 

Company response: Company chooses not to provide a public response
Consumer complaint: I attempted to file bankruptcy ( chapter XXXX ) in XX/XX/XXXX which did not go through. the property was foreclosed upon while I filed bankruptcy ( chapter XXXX ) in XX/XX/XXXX. The bankruptcy was finalized in XX/XX/XXXX, but my name remains on the title excluding me from refinancing my current home. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I received a call from Receivable Management Services XXXX. They requested that I identify myself. I did, and then I asked who they were. They refused to give me that information, but insisted dthat I had to give them all my personal information. I absolutely refused and they hung up. I called them back by the caller ID and found out that the call was about a XXXX bill. I promptly called XXXX, and I got the issue resolved. It was a mistake on their part. The account had been written off for service issues, but someone accidentally sent it out for collection. My complant still stands against Receivable Management services for not properly identifying themselves. This is a violation of Federal Law. They must tell you who they are and why they are calling. It is also against Federal Law to require that someone tell all their personal information before knowing who they are talking to and why. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The amount of {$51.00} dollars was added to my credit report for collections. Incorrect information added saying the account is 2 years old. No contact with IC Systems. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I disputing the information XXXX XXXX placed on my Credit Card as incorrect. I contacted XXXX XXXX Last year and they refused to correct my information as paid on time/Agreed. Subsequent to that XXXX XXXX is a very dishonest company They do not keep their promises. They closed my account without my knowledge and reported it negatively on my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The incorrect address of XXXX XXXX XXXX, XXXX XXXX XXXX is on mt credit report. 
I have never lived in XXXX. I have lived In XXXX all my life. The last 12 years in imperial XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Did n't get score 

Company response: Company chooses not to provide a public response
Consumer complaint: I have not been contacted ... appears on my credit file 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have received approximately XXXX repeated calls all within a 10 minute time frame. When I call the number back I do n't get any information as to who or why I was contacted. The agents that answered the phone were very disrespectful, and would not provide any company information or any other identifying characteristics. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I was issued a company cell phone for work. This phone has been receiving debt collection calls on the avg of XXXX per day. I have explained to the callers that this is a business phone and we have no relationship to the person that they are trying to reach. When I answer the phone as the company representative, they hang up. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Dear XXXX XXXX I appreciate the letter Dated XXXX XXXX, XXXX As we have been working on lien release for almost two years Wells fargo has reconvened liens for another property not related The judgement listed in the attached title report is unrelated to mortgage listed in Wells Fargo letter received - related to another mortgage. 
The money judgement is not related to XXXX XXXX XXXX - see title report For the record - XXXX XXXX XXXX in fact did receive a check from Wells Fargo - see entire account history XX/XX/XXXX-XX/XX/XXXX, however I agree should not have. 
XXXX XXXX XXXX request for funds are not related or connected to this matter. 
Recording XXXX in Wells Fargo letter XXXX XXXX, XXXX. 

I located the court record and provided to Wells Fargo in XXXX to confirm entirety it is a Wells Fargo judgement. 

With your assistance I would like to avoid reopening bankruptcy to request to avoid lien - I have receive all other liens from listed creditors except Wells fargo. 
Wells Fargo can go to court website and review case summary - XXXX XXXX XXXX is not associated with this lawsuit. 

XXXX XXXX has Wells fargo listed as below A certified copy of a judgment or an abstract thereof, recorded XXXX XXXX, XXXX as Instrument No. XXXX of Official Records. 
Court : Case No. : Debtor : Creditor : Amount : Superior Court of California , County of XXXX XXXX XXXX XXXX XXXX Wells Fargo Bank, N.A., a National banking association, c/o XXXX XXXX XXXX, XXXX {$7500.00}, and any other amounts due thereunder 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I am have the power of attorney on my mom 's finances and due to her health issues she has fallen behind in her property taxes. We have been working with her reverse mortgage company Wells Fargo. In XXXX of last year they paid the delinquent taxes and contacted me. my first contact with them was fine. They said to pay back what you can to reduce the amount. We began paying them and the following XXXX, I was contacted by a new agent there who said that they could put my mother on a payment plan but needed to know her budget and expenses. She was to contact me the following day so I tried to contact her and could not. During the months of XXXX and XXXX, I made multiple attempts to contact her or anyone at the call center. Anyone else that I spoke with said that I would need to talk to my assigned agent. She finally contacts me in XXXX stating that they paid the taxes again and now my mom owes double the amount. She also stated that because of the amount due, we can not put her on a repayment plan. We would have to come up with the full amount or HUD will foreclose on the home. This for a balance of {$3500.00}. We have continued to contact them but they do not return calls nor do they seem willing to answer questions. We are reaching a point of frustration and will continue to call but we are afraid that my mom will lose her home and be placed in a long term care facility. We are prepared to send them a {$1500.00} payment in XXXX but we are not sure if the house will foreclose, if so, we do not want to give them that money. Mom just has Social Security and has no additional assets. Wells Fargo does not seem to want to help us in anyway. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I faxed loan modification reinstatement documents to the Wells Fargo Home Preservation Department on Friday, XX/XX/XXXX, at XXXX, at Wells Fargo Bank Branch , XXXX , CA. This is my fourth submission for loan modification. In addition, I have applied and been approved three times with KYHC, but Wells Fargo has rejected the funds. As a result, I am in foreclosure in three days, XX/XX/XXXX. I need immediate intervention to stop this illegal foreclosure sale of my primary and only residential property, purchased in XX/XX/XXXX. Predatory loan originated in XX/XX/XXXX when I refinanced the loan with XXXX with brokerage agent. As a result my excellent credit has been destroyed and my health has been greatly compromised. Please review this case ASAP. Thank you for looking into this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: I first sent out my disputes to the XXXX CRAs on XXXX via fax and certified mail the same day. I only sent XXXX letter to TransUnion without " additional information ''. This is the way that everyone sends in their disputes. I received a letter today stating that my original letter was received on XXXX/XXXX/XXXX and " additional information '' was received on XXXX/XXXX/XXXX, therefore they have an additional 15 days and that it will be completed on XXXX/XXXX/XXXX instead of the 30 days mandated by law under FCRA XXXX XXXX. This is unlawful ; I never sent anything other than my XXXX letter with identification. They are not allowed to do this. I know many people who have done the same thing and they did not receive letters as such and I have also consulted an attorney and they said this is against the law. They MUST process within 30 days. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was contacted by Nations Recovery Center in XXXX XXXX in regard to a debt that was charged off in XXXX. XXXX XXXX called saying that he was collecting this debt and that I need to pay the entire debt of {$7400.00}. 

I requested supporting documentation to prove his firms right to collect the debt. 

2 weeks passed and after my receipt of supporting documents to prove he had any right to collect the debt, he again contacted me. We had come to a verbal agreement of {$3200.00} and he was to email me a settlement letter to sign with that amount. 

2 weeks passed and instead of receiving the settlement letter from XXXX XXXX, I receive an emailed settlement letter from XXXX XXXX and a XXXX XXXX CC'ed. It 's for {$5200.00} I feel the false statements by all parties named has caused a real problem. I am not sure who to believe or whether this is a real company. They may have the same dotcom but all contacts have different phone numbers and none seem to know what either is doing. 

Company response: Company believes it acted appropriately as authorized by contract or law