milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2016 about Debt collection (Medical) with Meade & Associates, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Recently while conducting a monitor of my credit report I discovered that MEADE & ASSOC # XXXXhas furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from my doctors office but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to anyone to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company response to consumer: Closed
Consumer complaint received 02-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX XXXX I took a position with the Department XXXX XXXX in XXXX. I had services with my cell phone with XXXX XXXX. I requested that service to be cancelled on XXXX XXXX XXXX. I received confirmation from XXXX via email on XXXX XXXX, XXXX they received my request. In XXXX XXXX I had a discussion with a XXXX representative in reference to my account and was informed I was past due in the amount of {$90.00}. On XXXX XXXX XXXX I paid that amount. I noticed a collections from XXXX XXXX XXXX XXXX XXXX and talked with a representative in XXXX XXXX. I was informed that this charge in the amount of {$110.00} was generated in XXXX XXXX. I wrote XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in reference to this collection. I received no response. I wrote XXXX XXXX XXXX on XXXX XXXX XXXX about this collection on my credit report. I received no response. This collection is still on my credit report now under Pinnacle Credit Services. I attempted to contact Pinnacle Credit Services but only to find out they do not hold this account and that a different company holds it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Perfection Collection (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: An negative trademark was placed on my credit report regarding a XXXX account. I have no knowledge of who opened the account or authorized my name to be assosiciated in any way, shape or form with this account. I was never shown any documentation regarding the account or made aware of how my social security number and credit reporting became connected to the account. I was asked to be mailed documentation showing the name of the person who opened the account & was denied. On XXXX, I called and spoke to a representative by the name of XXXX and was told that my name is not listed as the primary person on the account. I never gave my social security to any employee or representative of XXXX. I would like my name and personal information to be disassociated with this account and all negative trade lines removed from my credit report. I do n't even live at the address where the account was opened! What kind of security company does n't take the necessary precautions to get the correction information & Identification of people they are allowing " secure '' access to a home!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 04/29/2015 about Credit card () with WELLS FARGO & COMPANY (AZ).
Issue: Cash advance

Complaint: Re : Wells Fargo Credit Card On XXXX I made a payment of XXXX on my account but realized I had done a cash advance in error. Immediately noticing my mistake I called the bank and talked to someone in the checking dept. who made the payment for me. She the transferred me to the credit card dept and the gal told me she would reverse the transaction. 
On XXXX I looked at my account and the reverseal was not made. I called the credit card dept again and spke to another gal who said she would reverse the transaction, instead she reversed the payment in error. 
On XXXX I again called the credit card dept and spoke with a supervisor named XXXX and asked me to call back again when the deposit posted to my checking account and all the fees and reversals would be adjusted, On XXXX I checked my account and now had a late payment of {$15.00} and called again. XXXX told me to make the payment and then call back when is was made and all the adjustments would be done. 
I believe I have been getting the run around and the bank has ignored my calls and emails. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: My paid subscription directly with Experian is showing a 53 point higher credit score (  Fico Score ) than when my lender pulls it ( XXXX ) all of the accounts, the dates and balances are identical. I have compared the two reports line by line, nothing is different but the scores. This can not be justified, and is very dishonest as it allows the lender to charge higher interest rates on loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NJ).
Issue: Making/receiving payments, sending money

Complaint: I 've been making the mortgage payments ( Chase Bank ) for my parents for over 10 years now. I make the payments in cash. My parents have moved out of the country, I attempted to make a cash payment like I always do and the teller tells me that I ca n't make a payment because my name is not on the account. She asked me to make a payment by either check or money order which means I 'll have to spend more money. I have the same last name as my parents, I gave the teller my ID and said that i still could n't make a cash payment. Please explain why this new absurd process of payment was put into place.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Capital One sends me mailers seemingly every week trying to get me to apply for one of their cards. I finally decide to apply for one and then I get denied! My credit rating is over XXXX so I 'm not sure why I was denied but I believe it hurts my credit. Capital One should stop sending offers to people who they deem ineligible.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Medical) with Pendrick Capital Partners Holding, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been filing cases on this debt with Pendrick Capital Partners that I do n't owe this debt. Accordingly, to the HIPPA Laws they have to prove that I owe this debt. That they have never done to credit bureau 's and they have not answered back to my case number:XXXX, So, I decided to contact : XXXX XXXX Hospital myself and found out they have never reported anything to the credit bureaus concerning any outstanding debt. I am going to attach my medical bills from the hospital to prove that I do n't owe any debt for the amount they say I owe. Also, I am going to provide the letter they made themselves to try and prove I owe this debt they claim but it was without medical codes and every medical bill should provide the medical billing code to match the procedure and Pendrick Capital Partners can not provide that code. So, this debt should be removed from my credit report. The billing statement does n't match the XXXX Billing Report look at the dates on both form that says when I was in the Hospital. I never went to the Hospital on the date as report on the Billing that Pendrick Capital Partners provided on the billing statement.

Company response to consumer: Closed
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed bankruptcies that are reporting on my credit report. They came back verified but I do n't understand how they are verified when no proof has been given although requested also my XXXX credit file has a freeze on it. I have had a freeze on my account for a few months now so I 'm unsure of this information that is listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (NV).
Issue: Managing the loan or lease

Complaint: KMF USA has questionable practices regarding payment refunds from consumer/personal auto loan accounts. The lender is practicing deceptive acts by holding funds while still recording the funds released from the account balance. This is resulting in increased interest charges from the lender which is not an accurate or legitimate GAAP. 

A payment refund request was received by their offices on XX/XX/2017, and they claim they complete all payment refunds in 7 business days. On XX/XX/2017, a loan officer informed me that they have just begun reviewing the request as of XX/XX/2017 and I would have to wait another 7 business days for a payment refund to be issued by paper check. 

I have been given too much different and incorrect information from the team at KMF USA. I would like something to be done to make sure they establish a clear cut process and much more user friendly for customers.

Company response to consumer: Closed
Consumer complaint received 12/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I filed a complaint on XXXX XXXX on this site. I asked to have Online Information Services to do a validation check as I do not owe this debt. They replied back and submitted a XXXX page document as a validation check. There is zero proof that I owe this debt. This is totally unacceptable. And to top it off, the debt is passed the statue of limitation. They are not even suppose to try to collect this debt. 

The ridiculous validation that Online Information Services provided is attached on this portal. Edit, I could not attach for some reason, but see Case number : XXXX - Online Information Services has not given any explanation and show me how they calculated what they say I owe. 

- Online Information Services never gave me the original creditor 's statements, contracts, copies of checks, complete payment history. 

- Online Information Services never demonstrated that this debt was not claimed as a loss with any insuring entity. 

- Online Information Services never Indicated if the debt is assigned or purchased. 

etc. 

This leads me to believe that this is fraudulent. Online Information Services is trying collect a debt that is not owed, and is out of the statue of limitation!

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Mortgage (Other mortgage) with Shellpoint Partners, LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX 2015 a short sale package with all supporting documents was faxed to Shellpoint mortgage. The negotiator and management at Shellpoint do not return calls or provide status updates. As of today the file has been with the investor for possible approval for over a month with zero follow ups or updates to me. They do not return calls and do not keep track of documents nor do they negotiate in good faith. I have been working short sales for 9 years and am blown away at their lack in communication or consequences behind not working files properly. They need a serious overhaul and should be required to train their staff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio continues to call my home. The calls are generated from various areas the United States, causing my telephone to ring continuously and repeatedly with the intent to annoy, abuse, or harass any person who answers the telephone at my home. Portfolio, thru a 3 year period, has made no less that 3000 phone calls to my residence. There are XXXX XXXX people living in our home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Income tax lien filed in XXXX in the XXXX XXXX Court. I have lived in State of XXXX since XXXX, and this liens were filed in XXXX for income taxes owed for a XXXX taxpayer with similar name. If I am not living there in that period how can I owe income taxes in State where I am not living or working or having any investments. Finally, my social security if different from that taxpayer. 


Consent to publish the

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Struggling to pay mortgage

Complaint: We had been in constant communication with Bank of America through our account Manager XXXX, who was working on A loan modification with us. As of XX/XX/XXXX we had made a house payment so we would keep only 5 months behind and the arrears amount would not get any bigger. Bank of America accepted our payment and told us we were coded to make payments. On XX/XX/XXXX our circumstance changed and we were not needing the loan modification, and talked to XXXX on this day to inform her would like to bring balance current as well as current month. She sent me to the payment area of Bank of America where they gave me wiring instruction for XXXX XXXX XXXX XXXX to wire to Bank of America in the amount of XXXX. I set that up that morning at XXXX.. At XXXX was notified by XXXX XXXX that the wire was not accepted wrong beneficiary, I call bank of America, they went over the wire instructions and also informed me I had to pay XXXX.. So I called XXXX XXXX XXXX XXXX set up the wire again for the new amount of XXXX which is what my loan modification paper said plus a fee fromXX/XX/XXXX and XX/XX/XXXX house payment. Bank of America received the funds on XX/XX/XXXX and are sitting on it. On XX/XX/XXXX I received a letter from a attorney and called there office and was told that they received our information on XX/XX/XXXX and  advised that I had brought this current and was told that would have to talk to Bank of America, and they will advise our office.When I called B of A, they said that I needed to now pay the attorney fees, I am disputing this because, I paid this and was not told that my account was going to attorneys when I made my payment and was told what I needed to pay which I did. I supplied documents that show what I owed at of XX/XX/XXXX, as well as balance with the forebearance plan, the wire coming out of my account. In XX/XX/XXXX we could not do the forebearance because of the payment was more then we could afford because they used my large deposits which were from my 401kand stockes in XX/XX/XXXX and XX/XX/XXXX to keep my mtg current, but they counted it as income. We were starting a new modification plan which I had till XX/XX/XXXX to submit the documents, but ended up being able to bring mtg current on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-10-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Loan servicing, payments, escrow account

Complaint: It all started on XX/XX/XXXX ; when My house caught fire and burned, It was a total lost and all we had was a force place policy insurance that covered the loan not the value of the home we had been staying in the house for 11years at that time we saved up enough money to had on the house because we could get a loan. we started out with about XXXX feet of space in the home. and we saved up enough money to enlarged so we added on about XXXX sq. feet which increased the value of our home we had the XXXX sq. feet insurance but not the other so the bank had a forced place policy on the part they had so when we enlarged we took out a loan on the house so unfortunately as I already stated we got burned out with a force place policy in force which was about XXXX dollars now everything we owned was in that house that got burned up also everything we own was in that fire. gone up in smoke so we contacted the bank about the policy and they approve a contractor that only had painting experience they finally had to go to court with the contractor they had and stayed in court for one year and a half before they release anymore funds. on XX/XX/XXXX. they send check for XXXX the contractor said that would n't even buy the gas that took him to com back and forth it was a night mare for me and my family the contractor required Bi-weekly payment a bank should known what Bi-weekly means I wrote the bank a hardship affidavits they padded it no attention at all regardless of what they had invested in the property themselves XXXX by the time they got through with me I owed them XXXX dollars in taxes and fees it get worst than that they had third party venders to jack up the price every month I had to go to Environmental Court about how nasty that property was I got all the proof in the city where I live the actual cash value payment was XXXX, the insurance the replacement cost was XXXX, Less contractor profit and overhead, we choose a contractor that build the house back for that the money that was the actual cash value payment which was XXXX but the bank charged me XXXX of they way of taxes and fees that took them 3.5 years to build because of court and just slow fullness with third part venders that were supposed to be cleaning up they argument in court was they did n't sign anything with the contractors I have proof that hey at least approve them to do the job. by sending them a check and stopping payment on the check because they did n't know what they where doing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2015, XXXX fraudulent balance transfers were made to my Capital One credit card. Within a few days I noticed the fraudulent activity and called Capital One to dispute the transfers to my account in the amount of {$4300.00} and {$5200.00} for a total of {$9500.00}. Capital One was very helpful and resolved the issue with a matter of a few days by removing the fraudulent transfers, in the amount of {$4300.00} and {$5200.00} to my account. Billing cycle XXXX XXXX to XXXX XXXX, 2015, Capital One gave me an additional credit for {$4300.00}, referring to this as a balance transfer adjustment - this additional transfer was a mistake and I called immediately to explain the additional funds were not mine as the fraudulent activity for that amount had been resolved. XXXX months later and XXXX phone calls with Capital One the credit of {$4300.00} was still on my account. I was still using the credit card account and paying the balance at the end of the month. On XXXX XXXX, 2015, Capital One sent me a check for {$3400.00} - money that is not mine. The XXXX XXXX to XXXX XXXX, Capital One billing statement showed no balance due - this is incorrect. I owed at least {$830.00}. The difference from the {$4300.00} credit. I seem to fail in my attempts to convince Capital One that the additional adjustment ( credit ) made in XXXX to my account is in error. I became so frustrated with Capital One after XXXX phone calls that I closed the credit card account. I also told Capital One that I had no intention of cashing the check for {$3400.00}.

Company response to consumer: Closed with explanation