AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Citicard is calling my house repeatedly to collect a {$20.00} credit card overdue payment. Just today, XXXX/XXXX/15 they called at XXXX, XXXX, XXXX, XXXX, and XXXX. This is harassment and abusive. They need to stop this. Citi is calling from XXXX. Citi has been doing this for several days now. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX UNIVERSITY my loan rate is XXXX percent variable..I think that is excessive to the point of criminal and they gave me variable instead of fixed so you know in the years to come with rates having to move up I will get killed ... .... 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Yesterday I received 3 calls from a debt collector ( XXXX XXXX XXXX ) stating that they were a law firm attempting to collect a debt. This is after a conversation I had the previous day ( different customer service agent/paralegal ) requesting an email with their original correspondence as I had recently moved. I did not receive this email. 

They called at XXXX XXXX, XXXX XXXX, and XXXX XXXX ( yes I have the EXACT time, and the calls came to my employer ). 
During the first call the man refused to give me his name and literally YELLED at me screaming, " YOU KNOW WHAT YOU NEED TO DO, YOU JUST NEED TO PAY IT. STOP TRYING TO BUY TIME!!!! '' All I asked for was a copy of the original correspondence in regards to the debt that was sent to me. I asked for them to email this letter so that I could review it ( I mean who makes legal decisions without seeing something in writing? ) and he yelled, " SO WHAT ARE YOU GON NA DO?? IF I SEND YOU THIS EMAIL I WILL GIVE YOU 30 MINUTES TO READ IT AND I WILL CALL YOU BACK. STOP TRING TO BUY TIME! YOU '' RE XXXX PAY THIS!!!! " Needless to say, I then hung up the phone. I was at my place of employment getting yelled at by a stranger that refused to provide the correct documentation in regards to the debt, and was yelling commands over the phone. They also threatened legal action and wage garnishment, and would not let me speak AT ALL. 

During the second call he called and said, " SO WHAT IS YOUR EMAIL?!? '' No hello, no can I speak so so-and-so or anything. I gave him the email and he began to yell again. " SO WHAT ARE YOU GON NA DO? YOU NEED TO PAY THIS NOW! YOU HAVE 30 MINS TO READ THE EMAIL AND I AM CALLING YOU BACK TO ASK YOU HOW YOU 'RE GON NA PAY!!! '' I kept saying ( in a very low and calm voice because I am at work ) to " Please stop calling my job. '' He kept speaking over me and would not allow me to ask questions, so yes, I hung up. 

The third call went ignored. Did I mention hat they left a message on my SUPERVISOR 'S voicemail???? This is where it must end. I do n't care if someone owes XXXX or $ XXXX, there is no reason to yell and harass them at their place of employment. This company has crossed the line. I sent a cease and desist letter via email, AND CERTIFIED MAIL and received yet 2 other phone calls this morning. 

So technically there are XXXX issues:1 ) Frequent or repeated calls2 ) Used abusive language3 ) Threatened to take legal action4 ) Called after written case of communication notice. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I ordered new windows from Home Depot and as part of the sale they offered me a Home Depot credit card and said that I would get 24 months 0 % interest on the windows. The total sale was {$19000.00}. They failed to install the windows on the scheduled delivery/install day in XX/XX/XXXX, but despite this they still charged my card for the full amount and I was forced to make multiple payments on the windows I did not have and the interest free period began two months prior to when I actually had the complete items I was billed for. Home Depot sales man has done nothing to correct it other than say he will take care of it and that he is looking into it. It has now been six months and still no results. Any effort I make to complain to Home Depot is just routed back to the same salesman who failed to correct the problem. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was issued a ticket in error in XXXX of 2015. The head of the Building Department sent me an email stating that he would take care of the issue. I received a letter from Municipal Collection Services in XXXX of 2015. I wrote them a letter with a copy of the email from XXXX XXXX. They still place the collection on my credit report reducing my score from XXXX to XXXX. Please fine this collection agency and the City of XXXX XXXX for their carelessness. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest. 

In addition to this I have completed a request for modification affidavit and sent this to Select Portfolio Servicing, Inc. in XXXX I have received no response to my request for loss mitigation options. Instead, SPS has elected to put my home up for auction on XXXX XXXX, 2015. I feel this is a gross violation of my rights according to XXXX Code XXXX. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Radioshack/ CBNA is reporting a tradeline on my credit report that is not my account, has never been verified as my account and is now is older than 7 years old. Radioshack/CBNA has refused to remove this item and refuses in writing to verify due to my inquiry being " frivolous ''. 

Company response: Company chooses not to provide a public response
Consumer complaint: A collection agency is making false reports to XXXX andXXXX claiming that I have not paid a bill. Enhanced Recovery Corp ( XXXX ) claims that I owe XXXX XXXX {$110.00}. 
I have never had an account with XXXX XXXX. I contacted them and they have no record of me being a customer. 
Enhanced Recovery Corp. has never sent me a bill. They contacted me by phone on XXXX/XXXX/2015 and I told them I had no knowledge of this bill. They reported me to the collection agencieson XXXX/XXXX/2015. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Yesterday I received XXXX calls from a debt collector XXXX XXXX XXXX XXXX XXXX stating that they were a law firm attempting to collect a debt. This is after a conversation I had the previous day ( different customer service agent/paralegal ) requesting an email with their original correspondence as I had recently moved. I did not receive this email. 

They called at XXXX, XXXX and XXXX ( yes I have the EXACT time, and the calls came to my employer ). 
During the first call the man refused to give me his name and literally YELLED at me screaming, " YOU KNOW WHAT YOU NEED TO DO, YOU JUST NEED TO PAY IT. STOP TRYING TO BUY TIME!!!! '' All I asked for was a copy of the original correspondence in regards to the debt that was sent to me. I asked for them to email this letter so that I could review it ( I mean who makes legal decisions without seeing something in writing? ) and he yelled, " SO WHAT ARE YOU GON NA DO?? IF I SEND YOU THIS EMAIL I WILL GIVE YOU XXXX MINUTES TO READ IT AND I WILL CALL YOU BACK. STOP TRING TO BUY TIME! YOU '' RE GINNA PAY THIS!!!! " Needless to say, I then hung up the phone. I was at my place of employment getting yelled at by a stranger that refused to provide the correct documentation in regards to the debt, and was yelling commands over the phone. They also threatened legal action and wage garnishment, and would not let me speak AT ALL. 

During the second call he called and said, " SO WHAT IS YOUR EMAIL?!? '' No hello, no can I speak so so-and-so or anything. I gave him the email and he began to yell again. " SO WHAT ARE YOU GON NA DO? YOU NEED TO PAY THIS NOW! YOU HAVE XXXX MINS TO READ THE EMAIL AND I AM CALLING YOU BACK TO ASK YOU HOW YOU 'RE GON NA PAY!!! '' I kept saying ( in a very low and calm voice because I am at work ) to " Please stop calling my job. '' He kept speaking over me and would not allow me to ask questions, so yes, I hung up. 

The third call went ignored. Did I mention hat they left a message on my SUPERVISOR 'S voicemail???? This is where it must end. I do n't care if someone owes {$5.00} or $ XXXX, there is no reason to yell and harass them at their place of employment. This company has crossed the line. I sent a cease and desist letter via email, AND CERTIFIED MAIL and received yet XXXX other phone calls this morning. 

So technically there are 4 issues:1 ) Frequent or repeated calls2 ) Used abusive language3 ) Threatened to take legal action4 ) Called after written case of communication notice. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: HP sears is attempting to collect debt on behalf of XXXX for the services that I have never received in first place! My numerous attempts to contact them went ignored and now western dental AND HP Sears are calling and mailing harassment letters non stop. Where is the justice here!!! 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I live in a condominium. My mortgage provider ( New American Mortgage ) requires proof of HOA insurance. The mortgage provider sent a letter ( via post ) that stated that since they did not have this proof, they were going to purchase the insurance and charge me for it. My complaints are:1. The notice was sent by post, not email ( even though I have signed up for all contacts via email ). 
2. There was nothing in the letter that indicated there was any grace period ( it was dated the day after the prior policy expired ). 

When I complained to the mortgage company, they told me that they had to mail the letter, could not send an email, and that the verbiage was dictated by the CFPB. 
If this statement is true, then I would like the CFPB to change their guidelines to allow email, and allow the specification of a grace period. If this is not true, then I would like the CFPB to make it clear to the mortgage providers that they have these options ( I would also like to know so I can call their bluff. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I was contacted around XX/XX/2015 regarding a XXXX account which, in my best knowledge, was owned by my father, XXXX XXXX, when we used to live in an apartment, XXXX XXXX XXXX XXXX XXXX a couple of years ago, TX XXXX. My father is a senior citizen, so since I take care of many of his day to day needs and business, I used to make payment to his dish network account using my credit card information. 

I was contacted by this collection agency first time ever. The representative mentioned the XXXX account like it was mine, so I told him it was under my father name, XXXX XXXX. Then he said, I had been paying his bills. I told him, I used to make payment, behalf of him using my credit card information. 

This collection company using illegal tactics to collect a debt. XXXX XXXX never tried to collect the due balance from me by trying to make me liable for the remaining balance. 

Collection company report the due balance to my XXXX XXXX credit report. I am a very responsible homeowner and have had a mint credit history. 

A notarized statement from my father could be provided upon request that it was his account and I was n't liable for it to begin with. 

My father lives with me. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: when i bought the house we live in, the mortgage is with Wells Fargo. when pres obama said there is mortgage help out there i thought why am i paying 6 % on my loan. This was in XXXX i have contacted Wells Fargo to refi to a VA loan from a fha loan because of all the insurance i have to pay. Well to make a long story short here i am 3 years later still trying tlo get a refi. Wells Fargo has never ever tried to help me. in XXXX i suffered a XXXX XXXX XXXX, i am the only worker in my family. when the XXXX XXXX came my unemployment just ran out current on mortgage. As i was in the hospital from XXXX XXXX to XXXX XXXX i was in the hospital. my new job was to start on XXXX XXXX well after the XXXX, i was left with XXXX income, so i went to my veterans service office and received a macv which paid my mortgage and house bills for 6 months. they paid and not always on time, So Wells Fargo who knew of my condition said as long as we receive it by the XXXX no penalties. So what they kept doing is reported every late to the credit bureau. taking my credit score from XXXX down to XXXX. So now they will not refi me because my credit score is down. What they do not understand is that they did it and that they refused to help because of that. So they keep doing this while i go deeper in debt. All i ask is that they refi me, take the stuff they put on my credit report off. i have been ontime for past 6 month, they told me after 3 months on time we will work with you. Well its been 6 and nothing. for three years i have been paying over {$4200.00} on interest and {$1200.00} on my principle per year. Also they have raised my esgrow account from {$130.00} a month to over {$210.00} a month, mean while my insurance and taxes have not gone up since i signed the papers. my tax goes up only {$40.00} and down depending on the schools needs. my insurance highest was {$1000.00} i have since redid insurance XXXX to keep it below {$800.00} a year. But Wells Fargo has broken verbal promises, they have lied to me about why my payment keeps going up even though the taxes and insurance as i write this are the same as when i signed my mortgage but the increase of 100 % is alarming. They refuse to help because of my credit score in which they brought down as i was fight for life. This bank has done alot of damage to my credit, my life and yes i am on XXXX because of XXXX during my XXXX XXXX. I just need this bank to do the right thing. they have disciminated against me, they have put me in a financial pickle. I have tried but all i get is no we ca n't because of your credit score that we brought down. my next step is to sue Wells Fargo XXXX XXXX for unethical business practices and unethical discrimnation of finacial help, and unethical lending practices. The 6 % i pay on this mortgage is unreal and Wells Fargo owes me for overpaying the last 3 years. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was taken to small claims court for a parking lot accident that the law enforcement rules " no fault ''. The other party involved sued me for damages to his vehicle because he only had liability. My insurance counter sued him and the courts ruled in my favor. I even got my deductible back. I do n't understand why I have a negative mark on my credit report when the courts ruled in my favor and I won court lawsuit. This unnecessary negative mark is hurting my credit and I would like it resolved. 

Company response: Company chooses not to provide a public response
Consumer complaint: There is a collection account reporting on my credit reports from a company identifying itself as XXXX XXXX XXXX for an alleged debt of {$720.00}. I have strongly disputed this alleged debt with both XXXX XXXX and the consumer reporting agencies. XXXX has sent me documentation that failed to adequately prove that I have any ownership of or liability for this alleged debt and that dispute is still being handled through other channels. Recently, however, I spoke to the consumer reporting agency Experian who has claimed to have verified this alleged debt. I spoke to a female representative in their " Special Handling '' department and demanded that I be sent the exact details of their supposed investigation as is my right under FCRA Section 611 ( 6 ) and ( 7 ). This agent told me flat-out that Experian had XXXX obligation to provide me with such information even after I quoted her the exact section of the FCRA that proves I have every right to this information AND provided her with court cases that backed up this right. Experian has refused to re-investigate this alleged debt and has also refused to provide me with the information used to verify it. This behavior violates my consumer rights and must be addressed promptly. Since I know that XXXX has so-far failed to properly verify or validate this alleged debt, it is absolutely impossible to believe that Experian has somehow managed to do just that. I demand that this illegally-reporting tradeline be permanently deleted from my consumer report or I will file suit against Experian for their willful violations of my federally-protected consumer rights. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a credit card with Elan Financial Services I have been paying extra and instead of the amount over the minimum payment being applied to the balance with the highest interest rate they are applying the payment to both balances. I have sent them a secured e-mail regarding this matter. They responded saying because I my account showed a purchase last month it was applied correctly. I have not used this credit card for several months and I have no automatic charges on this card. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was out of USA and i dn t understand what is that compagny and why is that amount 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Experian XXXX reported that my XX/XX/XXXX payment on my XXXX XXXX XXXX lease for a black XX/XX/XXXX Sorento was 30-60 days late. The attached shows that I do not have a payment due until XXXX XXXX and that I paid the payment due XXXX on XXXX/XXXX/15, the payment due on XXXX was paid on XXXX/XXXX/15, the payment due on XXXX was paid on XXXX/XXXX/15 and the payment due on XXXX was paid on XXXX/XXXX/15 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a student loan consolidation product from Common Bond. I have excellent credit and always pay my current bills on time with no trouble. I 'd like to take advantage of lower rates in the current marketplace. Common Bond 's marketing products suggested that a cosigner would help me get a " better '' rate. Common Bond 's advertising materials made me feel as if I would be eligible for a good rate based on my excellent credit, good income, and good payment history. Additionally, my husband would have been happy to cosign. 

When I finished the application, I was told that I need a cosigner with an annual income of {$80000.00} to qualify for any loan. This requirement came AFTER Common Bond pulled my credit report, and Common Bond made no previous mention of requiring a cosigner with such a high income. 

I feel that this is a deceptive marketing practice and it unfairly limits my access to credit. Common Bond has wasted my time and potentially damaged my credit report. I have made payments on my current student loans for three years with no problems, and feel that I should qualify, especially because student loans with lower interest will be even easier to pay. 

Company response: Company believes complaint relates to a discontinued policy or procedure
Consumer complaint: I was issued a USAA credit card without requesting one. Now it is on my credit report. I call USAA to ask them to close and tell them that I did not open the account. I was put on hold and transferred 3 times. I finally had to hang up and try calling back. The Fraud Detection line, answered XXXX, said the wait time was XXXX hours. So I ca n't even find out how the account was opened or have them close it. The XXXX people I talked to said that they did n't have the authority to close the account. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Received a collection letter on XXXX XXXX, 2015 for a delinquent account for XXXX XXXX Membership. My identity and debit card was stolen earlier this year. I was not aware that the person signed up for membership with XXXX XXXX nor have I ever enrolled for membership with XXXX XXXX. This collection company is threatening to put this information on my credit reports and attempting to collect {$210.00} for an account I never authorized. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Wells Fargo Bank ( WFB ) placed a hold on a {$2000.00} payment I made to my WFB HELOC on XXXX XXXX, 2015. WFB removed the hold. Then, on XXXX XXXX, 2015, WFB placed a NEW hold on this payment. I have complained in person and on the phone EVERY day to no avail. The payment is XXXX of XXXX payments I made from my XXXX account through XXXX Bill Pay between XXXX and XXXX 2015. I have never been late or in default on this loan in ANY way. I have NO mortgage or liens of ANY kind on my house other than this HELOC, which represents LESS than 10 % of its current value. I am afraid to make any more payments, but if I do n't, WFB will foreclose. Please help. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX has illegally received over XXXX inquiries of my personal credit file. Someone with the company told me they have a trigger on my credit file, every time I apply for credit they call me. Experian took the inquires of my file more than 5 times and they have been peeping again. XXXX, XXXX, and XXXX. Last time removed was XXXX this year, I was told they were blocking them for good. Was on vacation this summer, this problem delay a instant request for my line of credit. Also the last person called me was rude and scary. DO NOT OWE THEM 

Company response: Company chooses not to provide a public response
Consumer complaint: My hard credit requests score NEEDS TO BE UPDATED as there is a two year limit and most have expired but are still listed and counting negatively against me. Please please update. 

Company response: Company chooses not to provide a public response