AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I signed an agreement to payoff my Citi student loans over 15 years when I started repaying my student loans. During that time, Citi student loan was servicing XXXX of my loans, # XXXX & XXXX. My total monthly payment until XXXX 2015 was XXXX ( # XXXX = XXXX and # XXXX = XXXX ). In XXXX, I paid off loan XXXX. Citi then sent me an XXXX statement showing that I owed XXXX for loan # XXXX. In XXXX, I called servicing and asked why my payment for XXXX had increased. They initially told me it was due to a mistake on their end which meant that at the current rate I would not be able to payoff my loan by the deadline. I disagreed with that person ' response because their math was incorrect. They said that the reason was due to their policy of not permitting of less than XXXX/month. I stated that provision was not in my agreement, so they were changing my contract. By the end of the call, a manager said they would fix my payment back to the XXXX amount as long as I would make XXXX payment in XXXX for XXXX. I agreed to do that and did it. On XXXX/XXXX/15 I get a call from Citi servicing stating that they can not change my payment to XXXX due to policy and my payment would be XXXX. I asked the lady to please review my repayment agreement for that provision, and I was told that she did not have a copy of this agreement. I am complaining about this change in payment amount. If this was mortgage servicing, the servicer would be getting in trouble for improper billing. Student loan servicing should be held to the same standard. Also, Citi has not sent me an explanation of why payment has changed, the breakdown of the repayment plan I am on with this new payment, or the time period it will take to repay my loan off based on this new payment. Surely this can not be the way a borrower should be treated in this manner. My loans are in good standing ; I am rarely late on payments ; if I am late, it is due to simply forgetting ; I have no outstanding late fees ; and I 've paid off a lot of my loans that I have had. Why is Citi treating me like garbage. My trust with them has gone completely away, and I am unsure if their billing statements have been accurate this entire time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had added XXXX lines to my account with XXXX. My husband suddenly bailed on our marriage and cancelled those XXXX lines, incurring early termination fees. We each made a {$200.00} payment toward the {$1700.00} bill. The account was turned over to collecttions. Neither payment was reflected in the balance they were seeking. Within two months, I received bills from a different collection agency, again not reflecting our payments. I made regular payments to them on a monthly basis. A woman from the agency contacted me and proposed a settlement agreement. ; if paid {$210.00} for the next 3 months, the debt would be settled. I agreed and fulfilled my portion of the contract. She told me I would receive a letter after my last payment within 30 days stating the account was satisfied in full. The letter never arrived. I called her back ; she told me to call the " escalation department. '' When I did so, the phone was either not answered or answered by someone who just said hello and then hung up on me. Next, I received a bill from another collection agency asserting that I owed the amount that was supposed to have been written off. At this point, I have paid the entire balance ; there 's nothing to write off. The last collection agency is still trying to get {$600.00} from me. I was deceptively treated. XXXX has written off this account ; these people are trying to milk me for more money. 

Company response: Company chooses not to provide a public response
Consumer complaint: My husband and I contacted USAA on XXXX/XXXX/XX/XX/2015 to apply for a VA Mortgage Loan. After a series of long hold and providing information to the representative. We were advised that we were not approved at this time for a mortgage loan and that we would receive a letter in the mail to explain, in detail, why we were not approved. After a week had gone by, I contacted the company to find out if the letter had been sent, they advised " system had not generated the letter yet ''. Again after 3 weeks, I still had not received a letter and I contacted the company to find out why. I asked to speak to a manager and the representative proceeded to advised me that she could help and that we were not approved because my husband 's credit score was below XXXX. I do believe discussing credit scores and denial reasons over the phone is a violation. I still have yet to receive a letter of explanation even though it has been well over a month since applying for the loan. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Did not receive notice of right to dispute, i dont know where this debt came from 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX Debt collections services is continuing try to collect a debt that was discharged in bankruptcy. I have submitted the appropriate documentation to XXXX and requested this information be removed from my credit files. XXXX has continued to harass and attempt to collect this debt. Please see attached documents 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Can my debt collector place a lean on my daughters car that i co-signed for her? 
A debt collector bought a credit card debt, got judgment in my absence and is trying to collect it by placing a lean on my daughters car that i cosigned for her. she pays the car loan and I do not own the car. Is it legal for the judge to allow them to place this lean on my daughters car? 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: A copy of credit reports were received in XXXX 2015. I noticed an inquiry made by XXXX Mortgage. After several attempts with disputing, we were told that the actual creditor was Veteran United Home Loans. I then contacted the company to dispute the inquiry. The initial representative stated permission, to pull my credit, was given by my husband. I then replied no XXXX other than myself can give a creditor permission to access my credit file. I asked for a supervisor, but I was transferred to XXXX and explained my issue. He stated that he could not help me. 
A few days later I received correspondence in the mail dated XXXX XXXX, 2015 accompanied by a letter of denial for credit dated XXXX XXXX, 2015. I called again and requested to speak to a supervisor. The representative took a message and I was later contacted by XXXX XXXX ( XXXX ext XXXX ) Director of Customer Relations on XXXX XXXX, 2015. I explained my issue again and described the documents mailed to me. He also stated that there was nothing he could do. I was told by XXXX XXXX that by law they could pull my credit report, if permission is granted by my spouse. I disagreed, told them their actions were unethical, and again stated I gave no XXXX permission to access my credit file. I informed him of the statement on my husband 's credit report which specifically says to call before extending credit. XXXX XXXX stated there was no such statement on the report. I asked if the calls were recorded? I was told by XXXX XXXX no, because they talk to people in all XXXX states and to repeat a statement letting people know they are being recorded would take too much time. Also, said that recording, in some states, is against the law. XXXX XXXX offered to send a copy of the credit report. When I received the documents I reviewed them and on page XXXX of XXXX towards the bottom of the page is my husband 's statement to contact him. Certain steps are put in place as a measure to prevent fraud and identity theft. This company and representative chose to overlook the statement. 

I repeatedly requested for the entry to be removed without any resolution. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Debt was paid in full to the IL Dept. of Human Services ( IL DHS ). Supporting documents attached. Harvard Collections has stated that it is not their responsibility to remove this item from my credit files at the XXXX major credit bureaus. They in fact have the sole responsibility of reporting to the credit bureaus per IL DHS. 

I have spoken with several representatives at Harvard Collections in person and via phone on numerous occasion. Harvard Collections has acknowledge that the debt has been paid in full. Harvard collections has a copy of the letter from DHS to confirm payment. Harvard Collections has stated to me that since the debt was not paid through them they are under no obligation or time frame to delete this information from my credit files. I have also sent several letters to Harvard Collection Managers. 

Harvard Collection has refused all my attempts to resolve this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: Note : Wellsfargo Bank N.A., there Attorneys have cause much damages to my Property ' perpertys, and Used the lower Court 's to change A federal Home loan that was on another property, using the Lower courts to Change a Federal loan address for XXXX AFTER REFUSING TO TALK TO ME, REFUSING PAYMENT, AS A MEANS TO FORCLOSE ON A fha LOAN TO PREVENT GETTING A HARP QUALIFIED LOAN FOR HANDI-CAPPED PERSONS, THEY HAVE INTERFERRED WITH THE HOME OWNERS INSURANCE COVERAGES FOR STORM DAMAGES TWICE. THE FORCLOSER IS ILLEGAL TO VACATE A NEW LOAN, USING THE COURT ORDER TO DESTORY TAX RECORDS, OVER CHARGES ON MORTGAGE PAYMENTS, ACCUSING ME A ABANDING MY PROPERTY, HOLDING ME HOSTAGE AGAINST MY REAP PROPERT, AND PERSONAL PROPERTYS, GIVING CONTACTS TO REPRESENITIVE TAKING IN ONLY THE INFORMATIONS AS THEY PUT INT INTO THERE SYSTEMS OF DATA, TO DESTROY DEEEDS, PAYMENT RECORDS OF THE PAYER ON THE XXXX XXXX XXXX CO, ON THE FHA LOAN ; THEY HAVE MANIPPULTED THE XXXX XXXX XXXX FHA XXXX MY XXXX, WITH MADE UP COURT RECORDS IN SEVERAL COUNTYS IN XXXX, XXXX COUNTYS, THATS IS THE XXXX CYCLONE PROPERTY THE LOAN WAS, CHANGING THE ADDERESS TO MY ADDRESS XXXX ... cOLLECTING TAXS, WITH DRAWING TO CORRECT, XXXX COUNTY EMPLOYEES WITH TAPPERING RECORDED DOCCUMENTS, AND DESTROYINH COUNTRY DOCCUMENTS ON MY PROPERTY WITH A LOWER COURT DOCC 'S, AND THE LATESS ON XX/XX/2015 WHICH IM ATTACHING, cONDONING ME IN WELLSFARGO XXXX CONVERSATIONS, TELLING ME TO ANSWER THEM THEY WANT A PERSON TO ANSWER THEM ( EVEN A XXXX XXXX USING XXXX XXXX SPELLINGS OF HIS NAMES, AS OTHER WELLSFARGO EMPLOYEE 'S HAVE DONE OVER PHONE CONVERSATIONS ALONE WITH THERE ATTORNEYS ; LYING IN THE 'COURTS ABOUT XXXX XXXX ( XXXX ) BEING DEAD USING XXXX WOMEN TESTIFYING AS WELL TO HER DEATH ( XXXX XXXX XXXX PER THE US PASSORT AGENCYS DOCCUMENTS, ( AND THE LOWER COURTS ORDER 'S STIPULATED COURT ORDER, AND LOCK-OUTS HOLDING MY PERSONAL AND REAL PROPERTYS HOSTAGED. USING NONE EMPLOYEES TO DO THE DIRTY WORK IN THERE PROCESS 'S ; I am the " Payer on the XXXX XXXX -XXXX fHA loan, Wellsfargo are with holding over {$150000.00} usd in equities, over payment moneys, and tax moneys that where i was tax exempted, plus $ about 480,000.00 in CD 's held aginst that loan, and {$140000.00} USD that was taken from my bank account : where the IRS XXXX seeking XXXX XXXX, I was told 'Billie ( J ) XXXX XXXX ( using my last name as a married person? ), and other names ; Judge XXXX of XXXX Co records shows she was ordered out of my home, and the state of XXXX, which states XXXX XXXX my home, and a Court order in the XXXX Co XXXX Superior Court order as well. which Judge XXXX stated in a private conversation they could not do what there doing, And instructed me to call XXXX if they returned and bothered me at my home.. 

Company response: Company chooses not to provide a public response
Consumer complaint: Company contacted me in mid XXXX. They implied that I had XXXX days before they would notify the credit rating bureaus. I explained that I was still disputing the medical bill with the hospital. 
I called to pay off the amount in full on XXXX XXXX 2015. They then informed me that they had notified the credit bureaus on XXXX XXXX. This tactic caused my credit rating to drop XXXX points, even though the amount was fully paid off within the implied XXXX day period. 

Company response: Company chooses not to provide a public response
Consumer complaint: Did not receive notice of right dispute, i dont know what this debt is for 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: To Whom It May Concern : I received an alert by the Experian XXXX XXXX XXXX about an increase of the credit limit of a XXXX Card associated with me from $ 16k to $ 20k. While I am the holder of a XXXX Credit Card, branded " XXXX XXXX '', this card has a different limit ( $ 7k ). Moreover, this limit was not changed recently. 
I therefore conclude that XXXX XXXX is reporting incorrect information against my credit file. I demanded correction of the incorrect data reported against me from XXXX in writing, postmarked XXXX/XXXX/15. My communication to XXXX is attached. 
Thanks much for your assistance in this matter -- Kind regardsXXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: In XX/XX/XXXX, I sold my interest in a XXXX company, and divorced my husband who immediately moved back to XXXX. He and the other XXXX partners kept the company alive, while I bowed out of the picture completely. On XX/XX/XXXX, I received a letter from a collection agency stating I owe {$78000.00} on a line of credit they claimed I personally guaranteed. They are unable to locate this " supposed '' contract and are threatening to ruin my - quite frankly - perfect credit. All for a debt that is NOT mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX, I sold my interest in a XXXX, and divorced my husband who immediately moved back to XXXX. He and the other XXXX XXXX kept the company alive, while I bowed out of the picture completely. On XX/XX/XXXX, I received a letter from a collection agency stating I owe {$78000.00} on a line of credit they claimed I personally guaranteed. They are unable to locate this " supposed '' contract and are threatening to ruin my - quite frankly - perfect credit. All for a debt that is NOT mine. 

Company response: Company chooses not to provide a public response
Consumer complaint: I tried to dispute several credit inquiries with the XXXX major credit bureaus. They informed me I must contact the source of the inquire to dispute. I sent a certified letter to each creditor at they address they chose to list on their inquire. I explained I do not recall applying for credit at their place of business, I explained however if they found I was in remiss to send any and all supporting documents to me so I could review. I did not receive a response from XXXX of the creditors listed. I provided all credit bureaus with a copy of the letter I sent to the creditors and the page showing they signed for said letter, which reflected their thirty days had transpired to respond. The credit agencies are still refusing to delete, I did everything I am required to do by law. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX XXXXThis place stated that I owe {$1500.00} for braces that were not supposed to be placed in my mouth. If anything I should have sued them for XXXX. This dental company quickly threw some XXXX to get a cut of my XXXX benefits, knowing that my XXXX strongly advise me to wait until I got all my XXXX taken out. When I went for my monthly visit I was refused dental treatment due to non-payment. I left the office upset and rejected. I had to walk around for months with XXXX that became painful and disfigured my mouth. Months later I get a bill for {$1500.00} stating I needed to pay in full. I actually tried to work out a deal and even thought of giving them another chance to redeem themselves, but instead they said they would have to charge me the full amount for XXXX, which was close to {$4000.00} after I paid the {$1500.00} that I supposedly owed. They even wanted to charge me for taking the XXXX off, due to their wrong doing. After hearing this I knew this was not the place for me, nor did I trust the practice. A year later I went to a different XXXX office and they helped fix my teeth. We started over and took the XXXX that were put on my teeth by XXXX XXXX. I have talked to other consumers and they agreed that XXXX XXXX is running a very bad business. I did n't report this sooner due to not wanting additional stress. I want people to hear this story, because I am sure I am not the only XXXX that has experienced such poor treatment through this facility. A few years later I check my credit report and not only did they sell my account to a collection company, but they changed the date of service, so the bill would look recent. I am shocked and appalled by this entire thing. Not sure what to do or who I should contact. This has ruined my credit and affected me physically and emotionally. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: XXXX XXXX billed me for earned premium for coverage provided so I paid them directly but this credit collection company has continued to bill me and harass me for money that I have already paid. They have sent me multiple bills and even offered me a settlement. I called them to ask them about the balance and told them that I believed this was a scam they immediately hung up on me. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: FCRA VIOLATOIN : Transunion file # XXXX. 
I disputed information contained in my credit file for my American Express credit card account. The only information that was incorrect was the balance due and account rating just for the month of XXXX was incorrect, it was listed as N/R. All the other months had correct information. The dispute was resolved in 2 days but the whole account with perfect payment history was deleted. This has caused my credit score to drop significantly due to no fault of my own. 

Company response: Company chooses not to provide a public response
Consumer complaint: I contacted XXXX about a collection account on my credit report. I had no knowledge of this account and have never used XXXX. I have never lived at the service address on file with XXXX. I have never used XXXX and have never set up an account with them. I asked them to provide any documentation verifying I was the one who set up the account and they could not because I was not the one who set this account up. They have no lease, no picture ID, no signature, and did not have my permission to set up an account in my name. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: i paid off all accounts with understanding that it would be removed from credit report. it wasnt and when i attempted to contact them and have it removed they said there is nothing they will do 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I opened a Macy 's credit card once, did not get their bill. They threaten me for debt collection. On the phone, I gave them my bank account number, paid for the late fee and everything. At the same time, I requested to cancel my credit card with them. I am still getting another bill from them to pay them another {$2.00}. Even though I am not their customer anymore. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had my vehicle repoed & I had to use XXXX paychecks to get it back & now I 've gotten behind on my loans. I 'm job hunting also for a second income to get caught up since my husband passed. I have references on a loan with Loan Express & a man named XXXX that works there is constantly calling all of my references & my work supervisor on a daily basis even when they 're at work or home repeatedly & also leaving messages on their phones on a daily basis. I sent them a letter stating my references names & phone numbers & asked them to please stop calling these people constantly. However my inlaw told me that yesterday he called her while she was at work repeatedly so much until she stopped answering because he started using other phone numbers to get her to answer & my other references say the same has happened to them too. Also, I do n't know why he 's calling my supervisor but it has gotten me in trouble at work & he wants him to stop leaving him messages also. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: For years I had a Bank of American credit card ( opened XXXX 2008 ), I used the card and made the payments, my payments had been on time for years. I typically had a balance on the card. I would pay it down to a couple of hundreds dollars then use it again, pay it down, etc. Then I paid the card to a zero balance and immediately Bank of America cancelled the card. It was like they had a computer program that they could set that said if this card pays to zero cancel it. So in effect they were ok with me as long as I carried a balance and not ok once the cared was paid to zero. Yes like a lot of people I have had financial issues but they have improve considerably over the last few years. So when my credit was at the worst BOA was ok with me having their credit card, when I was able to pay them off and my credit was better my reward was to be cancelled. I think BOA has a history of this action for a lot of consumers and it is fundamentally unfair. Would be interesting to know how many times they have cancelled a consumer 's credit card at the point it was paid to zero 

Company response: Company chooses not to provide a public response
Consumer complaint: My younger brother has a habit of giving my address and phone number when he goes to the hospital. This has happened sporadically in the past. I do not know his present address of phone number. 

About a little more than a month ago I had a call left on my answering machine from HHGR, Healthcare Revenue Recovery Group. LLC saying they were trying to collect a debt. I deleted the massage. 

About three weeks ago, the same message was left on my answering machine with the same message. I called the number and explained to them that the phone number they were calling was not my brother 's number. I also explained that I do not have any information about where he lives of a phone number for him. They assured that I would not be contacted again. 

On XXXX, XXXX/XXXX/2015, a call was left on my answering machine from HRRG saying they were calling to collect a debt. Since HRRG 's representative I talked to assured me that I would not be contacted again by them, I consider the last call from them nothing more that harassing a third party. 

Company response: Company chooses not to provide a public response
Consumer complaint: I paid sca collections and XXXX ..sca was for XXXX and XXXX was for XXXX ... they left it on my credit report..Im XXXX I get very little money every month.trying to straighten out my report if I paid the debt off then they should be kind enough to remove it from my report.. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: about 3 years ago we borrowed XXXX dollars @ 25 % interest I have paid {$740.00} a mounth for 3 years and was sure it was about paid off.i called today and they informed my intrest was now 89 % I asked why I was not informed to which I got no answer this company is called cashcall in XXXX tx the original loan was with XXXX in California then XXXX now cashcall 

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