AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I had XXXX vehicles through metro credit union. I had XXXX vehicles on XXXX loan. They were XXXX repossessed. I never received the the paperwork to this judgement that is now filed on my credit report for currently {$11000.00}. I recently went to the court house to get a copy of this judgement. First of all the reporting date that 's on the paperwork is n't the same as reported on my equifax and experian. But the part I found very disturbing is the paper work has the original loan papers which has the the XXXX and the XXXX on the same loan. I have the paper stating they repossessed the XXXX and that they sold it and put that amount towards the balance that I owed. But for some reason it does n't mention that they sold the XXXX van and if they did re sell it, they never added that balance to the amount that was owed. Which makes this amount that I owe not accurate. I do n't know if they sold the van or not. But what I do know is they are saying I still owe something that they have and if they sold it I was never compensated off the amount that I owed. The amount that has hurt my credit to the point of not being able to pay back because the interest is about almost or is XXXX %. The court house that gave me the judgment paper work told me that this account to be paid off in full including interest is over {$22000.00}. How could I ever afford that? They have charged me interest on a amount that is not accurate and because of this it has ruined my credit life. If I would of been given the paperwork I could of fought this in court. The person they served had no right to sign for paperwork important paperwork on my behalf not to mention I did n't live there at that time. 

Company response: Company chooses not to provide a public response
Consumer complaint: one main financial ran an inquiry on my XXXX XXXX and XXXX credit reports with out my permission, and i cant even find out who this company or bank is 

Company response: Company chooses not to provide a public response
Consumer complaint: Grant & Weber collection agency changed my personal debt and billed it to my employer. My account number remained the same, but they billed it under my employer 's corporate name and included a website and password to access my debt which they disguised as debt owed by the corporation itself. This not only exposed my personal debt to the company, but they also almost payed a debt that they did not possibly owe. 

I have disputed this debt for over 2 years because of incorrect billing and overcharges and this agency has refused to contact the original creditor to resolve the matter. I had stopped making payments when I reached an amount that I was willing to settle at for the incorrect billing. This credit agency made the move to bill my employer as a retaliation for not paying the full sum. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I applied for my mortgage loan with a local agency called XXXX XXXX out of XXXX Massachusetts. A couple of months later the mortgage was sold to Wells Fargo. The initial mortgage was {$620.00} a month. Wells Fargo " readjusted '' the mortgage by saying we were overpaying and dropped the monthly payment to {$580.00}, I asked them if this was true and wanted to make sure it was accurate and no one would tell me why the mortgage was re-evaluated. Then about a year later I received a letter that my mortgage was increasing from {$580.00} a month to {$870.00} a month! I never would have purchased a house for {$870.00} a month because that is about half of my monthly income, and I know my finances well enough to know I ca n't afford that! I have been fighting with Wells Fargo to re-evaluate my mortgage payment and to explain the reason for the increase. I do no have a variable rate, either. At this point they are talking about foreclosure despite paying {$600.00} a month instead of the {$580.00}. I have asked them to run a report to explain why the increase and have received nothing. I have spoken with my town and the treasurer/tax collector said that city taxes run from XX/XX/XXXX to XX/XX/XXXX and Wells Fargo is calculating taxes on a calendar year from XX/XX/XXXX-XX/XX/XXXX which actually is taking into account two calendar years. I have been dealing with them since XXXX of 2014 and at this point am ready to try to hire a lawyer. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have contacted XXXX by email and by phone this year. I have asked them to provide proof of the collections item that was sold to Amsher. The only thing I am constantly told is I just owe it. I am a consumer and I feel that I am entitled to a ledger that shows how I owe something from 2010. I have asked for a ledger and I have waited the 30 days or more for the XXXX back office to provide it and it has not happened. I have even asked that if the debt could not be proven to at least write it off. I can only be sent a statement with an amount but not anything with line items. I have suffered with a lower credit score due to this error on my XXXX and XXXX credit reports. There are many other experiences that have been shared by others who have disconnected service with XXXX and after a few years have a negative collections item to appear on a credit report. How can this be removed? I need all of the assistance that you can provide. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: To follow is a pasted a copy of the letter that I sent to Citibank. 
CitiMortage Customer Research TeamXXXX XXXX, MD XXXXDear Madam/Sir, Our CitiMortgage payoff statement quoted per diem interest of {$84.00} per day. 
CitiMortgage charged at the per diem rate of $ XXXXCitiMortgage charged us interest at this rate through XX/XX/2015. 
The mortgage was paid in full electronically on XX/XX/2015. 
The total CitiMortgage per diem interest charge was $ XXXXThe correct charge is {$2300.00}. 
Please promptly refund the remaining {$200.00} due and mail it to our new address listed above. 

I doubt that this is the first time Citi has issued an incorrect payoff that yields them an extra {$200.00} that they have not earned. I worry that there may be thousands of citizens who have been taken advantage of in this way. Most consumers do not realize that banking in our current post XXXX means that every number and every fee must be checked. Please look into this and let me know how I can help. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been reported as dead 

Company response: Company chooses not to provide a public response
Consumer complaint: I co sign a private loan with Wells Fargo, I have paid over XXXX, XXXX towards the private student loan. Out of all the money i have paid I still owe more that what the initial loan was for. The loan was for XXXX and I owe XXXX. I have paid over XXXX. The loan was taking out XX/XX/XXXX. I started repayment XX/XX/XXXX. This is unfair to how much interest I 'm paying and nothing is being applied to the principle balance. They will not allow me to lower the interest rate after several attempts. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX I signed up for a Wells Fargo XXXX XXXX card to take advantage of a XXXX, no interest financing for an engagement ring purchase. I began to make payments to the outstanding balance appropriately so that the balance would be paid in full in exactly 12 months. XX/XX/XXXX, I decided to add additional wedding jewelry purchases to the card and assume a new 12-month no interest financing offer. I continued to make payments on the card to pay off the first balance by the XX/XX/XXXX deadline. I later discover that the payments were being applied to both financing offers through an inexplicable system algorithm, and that while I thought I was paid in full by XXXX, their system showed an outstanding balance on the first offer. They then proceed to exercise their clause to charge 27.99 % APR on the remaining balance. 
When I called to ask for remedy through changing how the payments were applied to each offer, they alleged that they had no ability to control how the payments were applied and could not give me " credit '' for having paid the first full balance by the 12 month deadline. They then offered to reduce the total interest charge by 25 %, and were unwilling to accept a counter-offer of something which I thought was more reasonable, which still accepting fault for something I ( and they ) could not control. I called to request audience with a level of management above the Supervisor level but was denied. I am disappointed with Wells Fargo Financial National Bank and their inability to accept responsibility for maintaining a system which has full control over people 's financial matters with no ability for human override. 

Company response: Company chooses not to provide a public response
Consumer complaint: Bank of America has refused to give me any credit for a {$4900.00} check that was taken, but not processed, by a malfunctioning ATM ( ATM ID XXXX at the XXXX XXXX XXXX, XXXX, PA XXXX location ) on XXXX XXXX, 2015 at approximately XXXX. I am a student at XXXX XXXX XXXX XXXX XXXX. The check was issued by XXXX University as a tuition refund. I spoke to multiple supervisors at the branch, including the Branch Manager, XXXX XXXX. I also spoke with multiple supervisors in the Electronic Claims Services Dept. They refused to give me any credit for the check, although I explained the circumstances of the malfunction, including the amount of the check, the issuing party, and my relationship to the issuing party. 
Additionally, I cited a previous instance in which a Bank of America ATM took approximately {$400.00} cash that I deposited. I was given a {$200.00} dollar credit while they investigated the issue. Yesterday, Bank of America informed me an investigation would take 1-10 business days to be resolved. XXXX XXXX advised it would take 2-3 weeks to cancel the check and have another re-issued. Bank of America declined to issue any credit for the check due to the amount of the check. Moreover, today I was informed by an account manager that there was no record of my card being used at the ATM, nor any record of the check at the ATM ( XXXX XXXX was witness to this conversation ). 

Company response: Company chooses not to provide a public response
Consumer complaint: My name is XXXX XXXX, my former acct # with XXXX is XXXX. I canceled my service end of XXXX of this year. I had XXXX XXXX. I was told I would receive a return box for the XXXX Wireless router. I never received it ... I called on XXXX separate occasions after that to receive a return box. Still never received anything and I then began getting collections calls. I was advised if I go to a XXXX store I can return it and would no longer owe anything. SO I did that, tracking number : XXXX I believe equipID is same as shipping ID which is XXXX ... Package was received on XXXX. I though I was in the clear. Now 3 months later I am receiving collection calls for this same reason. XXXX says to talk to them, they say to talk to XXXX. AND XXXX has reported late payments to my credit bureau effecting my credit score. I need this removed from my bureaus and the debt to be removed as I have satisfied any debt I had with XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I continue to receive annoying/disturbing/harassing phone calls at my place of business from the Law Offices of Joe Pezzuto ( the number identified in my caller ID is XXXX ). When I answer the phone, they either hang up on me ( this happens repeatedly ) or they continue to ask for someone that I do not know. When I tell them that I have no idea who this person is and that they MUST discontinue calling me at work, they typically just hang up ( and call again ). This is my place of business, and I DO NOT know who this person is that they continue to ask for. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have an alleged XXXX account for XXXX on my Transunion credit report.I have disputed this account several times with Transunion as I have not received notice of debt or notification of my right to dispute. Furthermore, the information reported on the Transunion credit file regarding date of first delinquency varies from the other reports. I have attached copies of each report to support this claim. 
XXXX DOFD - XXXX DOFD - XX/XX/XXXXTransunion DOFD - XX/XX/XXXXThe FCRA requires that accurate information be reported to each Bureau and that each Bureau reports accurately. At this point it is clear Transunion is allowing this inaccurate and damaging information to be reported on my file when obviously it is not correct. The date of first delinquency is a single, historical point an account first came delinquent and can not vary between bureaus. At this point I hold Transunion responsible for reporting this information and for removing it from my credit file. My legal rights as a consumer entitle me to compensation for any damages caused by this information reflecting on my credit file. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a refrigerator and a cooking range from XXXX in XXXX, AZ around XX/XX/XXXX which was charged on a Wells Fargo credit card issued through the retailer. The terms of the finance was Zero interest if full purchase amount was paid within 12 months of purchase which was XX/XX/XXXX ( " Expiration Date '' ). The total purchase price for both appliances was {$2700.00}. 
These appliances were purchased for my new house where I did n't move until XX/XX/XXXX. Due to the various activities involving the move and due to the issues with mail forwarding, I was behind in attending to my mail. As a result I did n't make the payment for the first two cycles on time but did pay them a few days later by phone along with late fees of about {$25.00} each time. I was told that my account is now current and as long as I made the full remaining balance on my account by the Expiration Date, I would no longer pay any interest. In order to ensure no more delays, I scheduled regular payments on my bank 's bill pay system so that payment gets sent each month on time and the full remaining balance is paid before the Expiration Date. Below is the schedule of all payments made : Date AmountXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXTotal Paid $ XXXXPurchase Amt. $ XXXXFees Paid $ ( XXXX ) Wells Fargo however kept carrying a balance of {$10.00} on my account and then charged me interest on it even after the last payment was made on XX/XX/XXXX. When I called them, they corrected the mistake but also closed my account and reported it to the Credit Bureaus as late payment for the month of XX/XX/XXXX. While I made the full payment of {$2700.00} before expiration date and paid them late fees for the first couple missed payments, they have taken the wrongful action of closing my account and making derogatory submission to the credit bureaus, when the underlying cause of this was **their mistake** of having left over fees on my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Someone is in the process of stealing {$900.00} from my checking account from ACH XXXX XXXX Card. Bank of America told me because the payment is still processing there is nothing they can do until the payment posts to my account. Which is 3 to 5 business days. So my account is over drawn {$350.00} until the payment posts!!!!!! Then I can finally make a claim. They wo n't even start the process until the money is actually stolen instead of stopping it before it is gone. This does n't make any sense to me! 

Company response: Company chooses not to provide a public response
Consumer complaint: I acquired Stearns Lending as my mortgage company sometime around XXXX 2015. After my XXXX payment, they decided to increase my monthly payments form {$1200.00} to {$1300.00} per month without giving any notice, either written or otherwise. I called and asked them what happened and they told me they would research it. I then bounced around on phone calls back to them before finally being told the amount changed when they bought the loan and it had gone down from what my original loan amount was. I told them that was incorrect. I then looked around on their website and figured out they were collecting way too much money for my property taxes. I then called back and they told me XXXX XXXX, Indiana had given them that number and I would need a tax statement showing the proper amount. This took place between the first of XXXX and the middle of XXXX. I then went to the county assessor and they told me they had no idea where Stearns had gotten the tax amount and gave me a statement. I then sent them the statement on XXXX XXXX via email and received a response that the document was received and they would respond within 10 days of receipt with the corrected amount. I then spent XXXX and XXXX getting bills of {$1300.00} instead of the {$1200.00}, and I called at least XXXX times trying to get this fixed. They kept telling me it would " escalated '' and be fixed. I asked on at least XXXX separate occasions to speak with a supervisor and I would then be put on hold for XXXX minutes only to leave a voicemail, none of which were ever returned. Finally on XXXX XXXX, I called and threatened to sue. They assured me it would be taken care of. I called again on XXXX XXXX and they have finally fixed the amount of taxes, but it still needs to go back to their escrow department, which is n't scheduled until XXXX to review it. My bill is due on XXXX XXXX. This is unacceptable and a terrible way to do business. I do n't even want to do business with them after this fiasco, but it is going to cost me {$3000.00} to refinance. They told me I would receive a check for any money they owe me, but that is n't going to cover the extra interest I am paying on other bills I have n't paid in full due to having to pay them {$150.00} extra each month. Not to mention, they did n't give me a time frame in which to expect my money back. 

Company response: Company chooses not to provide a public response
Consumer complaint: Sallie Mae made 4 robocalls to both my home phone ( XXXX and my cell numbers in one day. I had previously asked that they did not call my cell number but I was fine with home calls. In a discussion with them tonight I felt harassed by four calls in one day especially since the person who took out the loan had made arrangements earlier in the day for payment. She had also contacted them before about payment and is in the process of having my name removed as a co-signer. The person I was talking to raised her voice and told me it was within guidelines to call that many times. I feel her talking angrily and unprofessionally to me was demeaning and unnecessary. I asked to talk to a supervisor. XXXX XXXX, the supervisor, again told me this was not harassment. I feel four calls after arrangements were made is four too many not to mention 2 of them were to a number I asked them not to call. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: After obtaining free annual reports for XXXX and XXXX, I was inexplicably locked out of the request process for Experian before the identity verification process started. I called the number listed for Experian on the lockout page, but was unable to get past their automated system. I found another customer service number for Experian, called it, got through to a human, who collected all my personal information, but me on hold for " two minutes. '' After I had remained on hold for about two minutes, a recording advised me that my call would be disconnected, which it then was. 

Company response: Company chooses not to provide a public response
Consumer complaint: They locked me out of my house without notice. I am not in foreclosure. I am late on my house payment, but not in foreclosure. I moved out of my house XX/XX/XXXX and notified my bank that I was moving XXXX due to a job change ( a permitted reason to move and not occupy the home under FHA loan regulations ). XX/XX/XXXX, I received a letter stating that they just learned that my home was vacant and that I needed to call them within 10 days or they would take steps to ensure security of the home. I called immediately and reminded them that I previously informed them that the home was vacant and worked it out with a representative to XXXX XXXX 's satisfaction at that time. I traveled to the house XX/XX/XXXX and stayed in the home XX/XX/XXXX. I have a friend who regularly checks on the house and who is considering purchasing the house who went to check on it today and the locks had been changed on my house and a realtor box placed on the door. I did not receive any kind of notice that the house was going to be locked up, or I would have told them that I was using the house when I traveled to XXXX visit my mother. I called today to let them know that I can not get into my own home and they said too bad. They informed me that I could not remove the lock to get into MY HOUSE. I am not in foreclosure. I have not received any notice that the house would be locked and I would be locked out and not provided any access. This is a violation of the law and of my rights. XXXX. I understand the law and my contract and this chain of events is a breach on the part of south pacific financial. They have an obligation to inform me and can not lock me out of my own home without proper judicial authority. They also stated this was partially because the utilities were turned off. The utilities are off because I am having the house completely rewired and new electrical installed. I am ready to sue. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: There were false information on my credit report. I 've disputed with credit reporting agencies and aside from Experian, others have recognized the error and deleted them items. However, after thirty days of submitting the complaint, Experian only responded with a letter that states " If you question the results of our dispute process, then you may want to contact the furnisher information directly or review the original information in the public record. " Complaint receipt date : XXXX/XXXX/2015Refusal to properly investigate or properly mark the account as in dispute is a violation of the FCRA and XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX ( former boyfriend ) had used my personal information and my daughters social security number without authorization and withheld information. 

Company response: Company chooses not to provide a public response