AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: First National Collection Bureau Inc. is attempting to collect a debt that is not only a result of identity theft but is as we know junk debt that has been re-aged from 2004. I take my credit very seriously and anyone who violates my consumer rights and protection. This debt can not be validated per the FDCPA or the FCRA for identity theft victims. I 'm tired of the harassment rather it be calls or letters. Attached is the original copy of my police report and the letter I received from First National Collection Bureau. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: I was never contacted and properly notified by this collection agency for some old medical bills they were attempting to collect. My first notification came in the form of checking my credit report and noticing the collection accounts noted on my report. I immediately contacted them to make some sort of arrangement. I informed them that I wanted a pay for delete or else I could use HIPPA rights and force the original creditor to take the account back, paying the original creditor directly and avoiding the items being reported. The collection agency then, sensing they would loose out on approximately {$800.00} promised to remove the derogatory remarks, since I was never properly notified, if I paid them directly. I paid them directly, and they removed XXXX of the accounts but XXXX remained. I have been contacting them and calling them to no avail. I feel completely defrauded and my rights were violated. Their only interest was collecting the money. They have destroyed my credit and have caused me to loose out on credit being extended to me. I want them to fulfill the promise made to me as I followed thru on my promise and paid them in full. The agency in question is called MID Michigan Collection Agency in XXXX XXXX Michigan ( email XXXXXXXXXXXX ). Their phone number is XXXX. Please help! I feel so victimized. I have sent letters to the Michigan State Attorney General as well as the FTC. I also understand that they broke the law by even promising a pay for delete so now it makes sense to me why they are bailing out and refusing to go further with my accounts. So many laws were broken here. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My wife holds a conditional XXXX. She applied for a loan with Sun Trust for part of her educational costs, and I agreed to co-sign the loan. Sun Trust indicated in its eligibility requirements that permanent residents were eligible to apply for a loan. We received initial acceptance of our application and began the process of supplying all required documents. At the end of the process, Sun Trust rejected our application saying that they would not provide a loan to a conditional XXXX holder. This requirement is not stated in their eligibility requirements. If it had been, we would n't have applied to them. As a result, we wasted a good deal of time and effort in fulfilling their documentation requirements, and I may have suffered adverse consequences to my credit report because of their credit inquiry and ultimate rejection of our loan application. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a strange voice mail from a gentleman ( XXXX XXXX ) claiming he had " sealed '' documents to deliver to me and to make myself and a supervisor available between the hours of XXXX. 

I called the number back given in the voice mail ( XXXX ) and I was told no one worked at XXXX XXXX XXXX by that name. 

The rep on the phone they proceeded to ask me to confirm the last XXXX digits of my social. They already had it, but I refused to confirm or deny. Then they proceeded to tell me that I owed {$690.00} for a fictitious payday loan from XX/XX/XXXX. I stated I did not owe the money, but offered to meet at the police station to receive these " sealed '' documents that was stated in the voicemail. 

MIND YOU, THROUGHOUT ALL OF THIS, SINCE IT WAS OBVIOUS THEY WERE ATTEMPTING TO COLLECT A DEBT, WHETHER REAL OR FAKE, I WAS NEVER READ THE MINI-MIRANDA. I WAS NEVER ADVISED OF MY RIGHTS UNDER THE FDCPA. 

FUTHERMORE, I 'VE FOUND OUT THAT XXXX XXXX XXXX OR BAYVIEW INVESTMENTS IN NOT LICENSED TO DO BUSINESS IN THE STATE OF LOUISIANA, WHICH IS WHERE I RESIDE. 

Because I called numerous times trying to ascertain how they got my information, as a result, these people decided to harass me and submit a complaint to my employer that I was preventing them from doing business. 

I 'd like for some type of punishment to be doled out, because since I refused to fall for their scam, their threatening my livelihood by trying to embarrass me into paying. 

I 've already submitted a formal complaint and counterclaim with my corporate office detailing this but consumers should not have to be threatened AT THEIR WORK AND HAVE FALSE COMPLAINTS SUBMITTED, because they refused to fall for scams. 

I 'll attach a copy of the voice mail. Please note that as of today, XX/XX/XXXX I have yet to receive these sealed documents from any type of courier. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I do not owe a XXXX account. The Tv service I had for the suppose time of period was from a local tv provider, XXXX PR. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX XXXX XXXX failed to electronically verify required insurance through XXXX XXXX XXXX. XXXX XXXX force placed insurance raising the monthly payment. Since payments are made in-person in XXXX XXXX retail branches account holders were never made aware. We were never asked to update contact information. Payments made for expected amount failed to meet new amount after insurance was placed so payments were considered late even though $ XXXX was applied to principal on time each month. When trying to clear up or rectify the situation with account manager at XXXX ( XXXX ext. XXXX ) he wxplained to me that the error would take 3-5 business days to clear itself in the system. The system may or may not report the accurate information and if not it was my responsibitlity to file a dispute with the credit agencies. I 'm not sure why it would me my responsibility when this clearly was a XXXX XXXX error all along. They also told me the automobile was not insured when in fact it was causing me to pay premium through another insurer costing me more money then they had attempted to charge for late fee 's and force placed insurance ... Had to contact XXXX XXXX plus times to resolve. Asked for information to be faxed and never recieved or illegible. Asked for pay of as of XXXX/XXXX/15 and they were unable to give me an exact amount. I would like to be done with this company. Very poorly handled sitution on their part due to their error. 

Company response: Company chooses not to provide a public response
Consumer complaint: My son acquired a student loan but was unable to finish school. ( attended XXXX out of the XXXX months ) The school collected the entire amount of the loan. He defaulted on his loan and it fell back on me. I attempted to make payments but my wife was not working at the time and all of our bills fell on my shoulders. I contacted XXXX XXXX but they only lowered the monthly amount due by a few dollars. I contacted them again with no result. The loan grew to double the amount from XXXX up to XXXX. I 'm still on my own paying bills and can not afford the amount that they are garnishing from my wages every XXXX weeks. I have not received a raise in XXXX years. All of our medical, dental, vision, homeowners and automotive insurance is taken out of my pay. Water, electric, gas etc is also what I pay each month. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transition blocked me from getting report and credit score. It asks to verify auto loans and bank accounts I never had prior to giving access. There must be identiy theft of my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX XXXX, XXXX I set up an account with Bank Of The West. The account was a fresh start account for my son. Upon opening the account, I was informed that after a year of good standing the service fees of {$12.00} a month will be dropped. On XXXX XXXX, XXXX I spoke to a branch manager to have him drop the fees, he informed me that the fees were dropped. On XXXX XXXX, XXXX I noticed the {$12.00} fees ( there have been fees taken out since XXXX XXXX ). When I spoke with a branch manager she stated that my account will continue to be a fresh start account because there was an overdraft amount of {$4.00} in XXXX XXXX. The overdraft fee was paid the very next day. There was a breech of contact because I was lead to believe that after a year of good standing my account will not be considered a fresh start account, which is why I agreed to open this type of account with this bank. I am aware of the XXXX waiver which expressly requires the bank to consider hardship. I am also aware of the banking code, which requires the banks to behave sympathetically. 

Company response: Company chooses not to provide a public response
Consumer complaint: I got divorced and just wanted my wife 's name off the mortgage. It was the mortgage I took out in XX/XX/XXXX. The exwife signed a quit claim. Bank of America told me that I needed to apply for a new mortgage in the Assumptions Department. I did and was XXXX refused a mortqage I already have been successfully paying. I demand a full refund of my amount of payment for the mortgage application to the Assumption Department. This process started in XXXX XXXX. It has gone on and on due to a slow bureaucracy inside Bank of America. How slow? XXXX letter from BAC demanded information or threatened denial of a mortgage if new information was not provided promptly. The letter was dated, for example, XXXX XXXX, XXXX but was postmarked from the same office a complete one week period later on XXXX XXXX, XXXX!!! Thus the letter did not arrive until two days before the " due date '' for the newly requested information. I was passed from one loan handler to another. I would like to list their names here. 
Now a complaint about this very website : underneath this webpage asks for a type of bank service, and no where is " MORTGAGE '' listed. 
I am picking the XXXX option, advising you now, I mean " mortgage problem '' by picking the XXXX option below. 

Company response: Company chooses not to provide a public response
Consumer complaint: BB & T XXXX XXXX and XXXX XXXX sent my husband and my personal information to the wrong email address. The person that received the information originally responded to let them know they were sending it to the wrong email and instead of making me aware and/or fixing the problem, they continued to do it XXXX more times over a several week time span, until the person finally reached out to me to make me aware of what was going on. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a credit card from Wells Fargo- {$800.00} limit. I transferred {$1200.00} to it from my checking account-XX/XX/2015 so as to use it for a transaction but the extra money was not showing after all. I called the bank XX/XX/2015 to transfer the {$1200.00} back to my checking, I was told that the money will show in my checking account the next day ; I waited till the next day as was told but the money was n't in my checking account so I called again that day-XX/XX/2015, I was told that they will take care of it. On Monday the following week-XX/XX/2015, I went to a shop and my credit card was denied so I came back home and checked my accounts, I did not see the {$1200.00} that was supposed to be transferred back to my checking account and my credit card had been closed. I called them and they said they transferred the money back to my checking account XXXX mistakenly and this threw the credit card account over the limit and my credit card account was closed, the reason being that I went over the limit because the bank made a mistake and transferred {$1200.00} XXXX times back to my checking account instead of XXXX. I called the bank, they told me that they will reopen the credit card account and also request from the credit rating companies to nil of this incident from my credit history. To my surprise, I called this morning, I was told that it was my fault that they transferred {$1200.00} back XXXX into my checking account ; they said because I called XXXX and requested for the transferred back to my checking account and that they did that. 
I am feeling this complaint because I feel cheated out, embarrassed at the shop and felt like this is discriminatory. 
It was not my fault that a bank will make a double transfer when I was told that I was supposed to see the money in my account the next day and when I did not see it, I called back. The transfers did not show on my checking account until the next day-XX/XX/2015, so as at XX/XX/2015, I had no knowledge that such transfers were made. 
It is all the bank 's mistake. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian deleted a paid off school loan it always reported to illegally lower my credit score 

Company response: Company chooses not to provide a public response
Consumer complaint: I have lived in the XXXX County area most of my life, and I want to continue to live here and do so in my home. I have seen many good times, and recently I 've seen rough times. Unfortunately, I may be forced out of my home by my mortgage note holder, Select Portfolio Servicing ( SPS ), since they have been uncooperative and even deceptive when I try to work out a solution with them. 

My hardship began in XXXX when unfortunately my father passed away and 8 months later my daughter ran away from home. This emotional turmoil tore my family apart, and then my XXXX collapsed in XXXX. In XXXX, my husband and I got divorced ; and to top it off, I even lost my beloved dog in XXXX as well. The combination of all these events is what caused me to fall behind on my mortgage. 

When this run of unfortunate events began in XXXX, I reached out for help and was offered a rather unfair trial modification. I decided to go forward with in order to keep my home, but I was denied for a permanent modification once I completed the trial period due to missing documents that I had submitted many times to them. They kept making me start over with the process using the same reasoning for denial ( missing documents ), always taking my payments for three months before telling me they could n't move forward and that I had to start over. This continued for 3 years (!!! ) until they told me my arrears were now too high and I did n't qualify for assistance. It appears to me that this was their plan all along ... they had no interest in helping me, they just wanted to take my home away via foreclosure. I have being denied access to options that are supposed to be made available. They deceived me, lied to me, and frankly, stole from me while I was acting in good faith!!!!!!! 

Furthermore, I have serious issues with my property value. My property 's present value is below {$600000.00}, which is disturbing when you consider the purchase price we paid was {$1000000.00} with a {$90000.00} down payment. Plus, I 'm in what could be considered a predatory loan. I was somewhat forced into a 3-Year ARM with a high interest rate when I was looking for a 30-Year Fixed Rate loan. 

If I could get SPS to handle this fairly, I 'm sure I would be able to keep my home and make good on my mortgage. I do n't want or need a handout, but considering my financial recovery I am certain that there is a solution that I could qualify for. Is n't that what all this bailout money ( my tax money!! ) passed down from the government to these banks was for? Are n't these modification programs designed for people who had a hardship ( or in my case many hardships ) and have recovered and just need a little assistance restructuring their mortgage in order to move forward? 

I want Select Portfolio Servicing to stop the foreclosure process, review my loan in earnest for retention options, and stop playing games that prevent this problem from being solved. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My XXXX Credit Card A/C ( XXXX ) information does not appear on my TransUnion Credit Report. 
1 ) I contacted XXXX - They said XXXX is reporting the A/C information properly to TransUnion. 
2 ) I contacted TransUnion - They said the A/C information is not there. 
3 ) Both XXXX & TransUnion will talk to me independently but not with each other. 
I do not know how to resolve this issue - so I am contacting you 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX XXXX # XXXX and XXXX XXXX # XXXX were not properly investigated and I was not given ANY proof or evidence of any reinvestigation that resulted in these items being verified. They are not verifiable and are still inaccurate and contain incorrect information within the reporting. Transunion should not be allowed to report them to my file as the inaccuracies are affecting me financially. I requested absolutely any evidence to be shared with me regarding their investigative duties and i fear that nothing was ever done to properly verify these items because they remain incorrect and i still have not received any documentation or procedures to show any sign of a reinvestigation. I have contacted the furnishers and they have assured me that no one has contacted them to conduct a reinvestigation on the accuracy or completeness of these XXXX accounts. i have spent so much money corresponding with them via certified mail and they continue to give me no answer and no proof. please help me. 

Company response: Company chooses not to provide a public response
Consumer complaint: Under a recent direct of all XXXX credit reporting agencies, on behalf of a collective effort of the Federal Trade Commission and the Consumer Financial Protection Bureau, all medical collections can not be posted on a consumer 's credit report until the following criteria is established : The consumer must be given an updated invoice by the service provider, stating that he/she has 30 days to rectify the balance personally or through insurance coverage. 
The service provider must state that the invoice will not go into a collection status until the 30-day timeline has been completed, and a specified date must be given to the consumer. A service provider can not submit a medical invoice to a licensed debt collector until after the 30-day timeline has been completed, without exception. 
If the 30-day time has passed, the service provider can at that time turn over the invoice to a licensed debt collector in the consumer 's residency state. 
The debt collector must submit a written notice of collection, stating that the consumer has 180 days to either rectify the debt personally, settle the debt amicably, or to expedite that an insurance carrier will pay the medical claim. The debt can not be posted on a credit bureau for collection until the 180-day timeline has passed, also without exception. 
I hereby state that the attached medical collection is now illegal, and that the new collection guidelines for medical debts are applied to existing collections. The old collections and their processes were not grandfathered in by the change in policy by XXXX XXXX and XXXX XXXX respectively. That means all medical debts come off my report and that I must be given a fair chance to rectify the debt through the previously mentioned criteria. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: XXXX XXXX added a {$75.00} charge to my gas bill because my payment I mail in was XXXX cents short due to a typo. I called and spoke with the Rep. I think XXXX and ask to dispute the Charge of {$75.00} as being excessive for being short XXXX cents and I wanted to cancel my cards until we cleared up the matter. He email me a form which I completed and was told I would be contacted by another representative. 

No one has contacted me and every 2 weeks XXXX adds another {$75.00} plus interest to my bill. I have no way of getting them to stop adding more charges. I have contacted the Governor of XXXX and the Texas Attn General office for help. 

Company response: Company chooses not to provide a public response
Consumer complaint: To whom it may concern : I have lived in the XXXX Arizona area since XXXX. I bought my home in XXXX XXXX in XXXX. This home means so much to me since it was my project to have it built from the ground up after a very emotional, messy divorce. I have endured many hardships from that point to now, but I still love my home and I do n't want to lose it. Unfortunately, I might because my lender is trying to foreclose on me. My home is scheduled to be sold on XXXX XXXX, XXXX!!! 

I did have my loan modified in XXXX, but the payment came out too high. From that point on, I have not trusted my lender or the modification process. I struggled but I made those mortgage payments until I started having medical issues in XXXX. I eventually had a XXXX in XXXX. I missed a lot of time at work and had to pay a lot of out-of-pocket expenses ( co-pays and deductibles ). I finally defaulted on the mortgage at the end of XX/XX/XXXX. Because of my poor experience with the last modification, I had no trust in trying by myself to get my loan modified again. I hired a law firm to help, but they got nowhere in dealing with this. 

I am a XXXX. I 've been in this industry for XXXX years, certified for the last XXXX years. When I went back to work after my XXXX, I had to deal with a lot of XXXX. I was falling further and further behind on my mortgage since any payment I sent would not be accepted, and I was n't getting anywhere with the modification process. That led to me being diagnosed with XXXX in XXXX of XXXX. I immediately had XXXX again and then XXXX in XXXX of XXXX. I hope to remain in XXXX now, and I 'd like to now solve my mortgage issue. 

I have not been assigned a single point of contact nor have I been offered any sort of assistance or repayment plan to get my payments on track. I believe that my loan fits squarely within government guidelines. I do n't need nor do I want a handout or anything that I do n't deserve. All I want is a little assistance in getting a loan modification that lowers the payment to a level that is sustainable moving forward. My financial future looks bright and I hope to be past my medical issues. I do n't anticipate having any financial issues moving forward if I can get this resolved reasonably. Thank you in advance for any help you could provide. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My parents are receiving repeated phone calls from a company called Penn Credit at XXXX. The call is automated and says it is in regards to a debt. There is an option to press a number to indicate a incorrect phone number, which my parents have done several times and the phone calls are continuing several times a day. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: On XXXX XXXX I disputed a collection account from XXXX and demanded validated proof under FCRA s. 611 ( 5 ) ( a ). 
On XXXX XXXX Experian responded that " account remains '' without any further explanation or proof. 
On XXXX XXXX I wrote a letter stating that improper investigation was conducted, and that they failed to provide me with a copy of documentation, under section XXXX ( a ) ( XXXX ) ( A ). 
On XXXX XXXX Experian responded that they had previously processed the request. Again, no proof of anything was presented. 

Company response: Company chooses not to provide a public response