milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2018 about Debt collection (Medical debt) with AVANTE (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Dear Avante XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2017. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. 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 is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to restructure the mortgage on my home for the past few years. I had to go on XXXX. Wells Fargo refused to work with me until I started receiving Social Security XXXX payments. This took approximately XXXX years. When I did have the XXXX payment income I applied for restructuring but Wells Fargo said I did not qualify for any programs. THEY NEVER TOLD ME WHAT WAS REQUIRED TO QUALIFY. In XX/XX/XXXX I started working for my present employer XXXX. XXXX I was forced by Wells Fargo to fill out an entire new application ( I have done this at least XXXX times ) for mortgage assistance. I submitted a new application on XX/XX/XXXX. XXXX Wells Fargo is asking for a profit and loss statement. My application included a profit and loss statement from XXXX XXXX until XXXX XXXX. About XXXX weeks later I was contacted by XXXX XXXX of Wells Fargo and she said I had to send a profit and loss statement for the XXXX financial quarter and that had to be XXXX days long. I asked how was I expected to include the entire month of XX/XX/XXXX when I made the application on the XXXX of XXXX? After sending in a revised statement covering the entire XXXX days At the start of XXXX I was asked to submit statements from XX/XX/XXXX and XX/XX/XXXX since they were taking so long to review my application. At that time I asked what else they would want next? More bank statements? another application? Enough is enough. I was just recently asked to submit profit and loss statements for XX/XX/XXXX, XXXX and XX/XX/XXXX despite XXXX previously telling me they already have them. I feel that these delays and lost documents are intentional and the entire time the meter is still running on my mortgage. Currently my mortgage is about {$100000.00} but I owe over {$62.00} in missed mortgage payments.But those monthly payments included about {$300.00} a month that would be applied to the principle. In other words if I was able to pay off the entire {$62.00} past due my principle would drop to under $ XXXX.So if you deducted the money that would have been applied to the principle and then eliminate the monthly late payments that Wells Fargo continues to add on I basically would owe about {$130.00} principle and interest. That balance with a 2.75 % interest rate and my monthly mortgage payment would be {$690.00} THE AFORDABLE PAYMENT I WAS LOOKING FOR OVER XXXX YEARS AGO. Wells Fargo was willing to foreclose on my house and sell it for only {$100.00} so why ca n't they give me an affordable payment? And why are they continuing to delay working out a positive solution? I am XXXX and a veteran. I should not have to be fighting to keep a roof over my head.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with M. G. Credit, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My son was in XXXX in our before we moved. As soon as I knew we were moving I notified the school. It was n't until the week we were moving that I was told to notify the billing company. I did so. Never received a response. Got a collection notice from MG Credit. I immediately requested verification. What I got16 days later was a partial retail installment contract that only verified a contract was signed but was missing the original pages. The original contract is null and void due to the fact that in Florida any company wanting to write a Retail Installment Contract has to be licensed to do so per FS 520.32. Also I have been unable to locate a business license or a DBA in the state database. They were told not to attach this to my credit report and they have. I notified them of their fictitious paperwork on XXXX/XXXX/14. They have since not responded. In my last communication they were given 30 days to rebut it and they did n't. Since then I been sent a new collection from the same company with a different account number. I am rebutting that now.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Student loan (Non-federal student loan) with URS Holding, LLC (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: The original loan holder, XXXX sent me an email stating that they have released the account to Enterprise Recovery Systems. I have disputed the account with the school. However, without any form of resolution, I was sent an email stating that I have XXXX hours to submit a payment or else the account would be release to the XXXX party collection agency. I am disputing this with Enterprise.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am writing to dispute  XXXX   XXXX    XXXX   XXXX   #  XXXX  on credit report number  XXXX . The ratiing listed on the account is incorrect. Please delete the account.

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 01/31/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: The Chase Bank has refused to accept US currency as an acceptable deposit. The cash is legitimate, not damaged and was obtained at another bank just moments before I attempted to deposit with Chase. They claimed that it is their companies policy to refuse to accept US currency as a legitimate deposit medium.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Advertising and marketing

Complaint: i was first solicited XXXX by phone. i paid a deposit XXXX for a business opportunity. i was supposed to receive including but not limited to the following : XXXX marketing services, page setup, fill out available fields, custom url, news feed builder, like XXXX industry or niche leaders, install XXXX badge onto clients website, discovery report, competitor & industry analysis, research clients business model & offering, identify targeted customer audience, demographic, behaviors and interests, develop final discovery report detailing finding, strategy report.i was never given the product as described. XXXX gave me back the money on the same charge, same company.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (WA).
Issue: Application, originator, mortgage broker

Complaint: My homeowner requested to be approved for a short sale on his VA mortgage XX/XX/XXXX after being laid off from his job and also recieving an offer on his property. Later that month we provided the bank Roundpoint Mtg the buyers Good Faith estimate along with a fully executed closing disclosure outlining all costs. the bank countered the buyers offer amount and also was notified in writing that the roof had to be replaced and was given a roofing bid to replace that for the buyer to be able to be financed for the property. The buyer was also requesting that his loan costs be paid at closing from the sellers proceeds. 
After speaking to the bank several times it looks as if everything was in place for an approval letter. In XX/XX/XXXX the bank requested updated Closing disclosure which included the buyers loan costs again. XX/XX/XXXX they removed the file stating it was not complete but had been since XX/XX/XXXX. I had to start the entire process over and provide them updated docs which i did in a timely manner. The bank stated on XXXX XXXX that they needed an Opt Out letter which they again already had since XXXX XXXX. This was not being processed correctly since i had confirmation that it was sent via email. I did resend them the Opt out Letter again. I asked that the file be escalated since we had been in this process with the same buyer since XX/XX/XXXX. On XXXX XXXX I called and was told that the bank would NOT be paying for Title insurance or the buyers loan costs. Even though they had not requested that either be removed from the last Closing disclosure requested and sent to them on XXXX XXXX. I asked that they revisit these costs as they are typical and standard costs for a short sale and they refused to have either of those costs to be included in the short sale approval. The seller has continued to make mortgage payments and has not defaulted on his loan. I believe Roundpoint mortgage is not representing the seller and is causing a " Sale Fail '' based on their own opinions of what should be approved in this short sale. The buyer can not afford to pay for a new roof and all of his closing costs and the ENTIRE Title fee 's. The buyer will already be paying for half of his own title fee 's and the bank should be paying for the sellers half of Title fee 's. This is a standard and necessary fee to obtain insured Title on the property.

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 05-08-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Making/receiving payments, sending money

Complaint: HiI previously lived in XXXX, XXXX and at the time of move to XXXX ( 2008 ), I opened a Bank of America account to make use of their national branches. I opened the account at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I was provided a checkbook obviously with a routing number and account number. I used that routing number since 2008. In XXXX of this year I ran out of checks with my account and requested a new checkbook through Bank of America 's website. Unbeknownst to me ( without any notice ) Bank of America changed my routing number. Around the same time, I filed my taxes with a firm that filed my taxes last year. They used my routing number and account number they had on file. My check with the IRS bounced since the IRS was using the " old '' and now expired routing number. Also, my refund with the State of Virginia was deposited into my account also because of the routing number error. I contacted Bank of America to alert them to this matter but have not yet received a satisfactory response. I subsequently sent a check to the IRS and am in the process of clarifying the error with State of Virginia. I have also updated as many e-check/auto payments as I can remember but I am concerned that checks/electronic payments that I have not yet updated will bounce. Bank of America has not provided me with any set of procedures or accounting for payments that do not get processed as a result of the change of routing number. I am concerned about my credit and not honoring payments as well as not receiving payments, such as the State of Virginia tax return.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Hello.
I applied for a refi with XXXX XXXX, who sent me factors on my credit report.
<P/>
They were : 38. You have a serious delinquency and public record or collection filed and on your credit report.
I filed bankruptcy 5 years ago ; in XX/XX/2019 it will be dropped. THIS IS TRUE.
<P/>
18. Too many delinquent accounts. I HAVE NO DELINQUENT ACCOUNTS. My credit score is XXXX ( rated Good ) and show NO delinquient accounts. THEY WILL NOT FIX THIS.
<P/>
14. Length of account history is too short. MY ACCOUNT HISTORY IS FIVE YEARS OLD! THAT IS NOT SHORT. THEY WILL NOT FIX THIS.
<P/>
10. Balances are too high on your banking revolving or all credit history accounts. I HAVE ONLY TWO  CREDIT ACCOUNTS WITH VERY LOW BA : LANCES, IF NOT XXXX. THEY WILL NOT FIX THIS.

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 12-11-2017 about Debt collection (I do not know) with Account Control Technology, Inc. (MI).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: This complaint is in regards to debt collection efforts being made by a collection agency called Accounts Control Technology.This company without notice began garnishing 25 % of my substitute teacher pay every period since XXXX XXXX. My income as a substitute teacher does not meet U.S. poverty standards my pay is only {$80.00} a day. The company states they are part of the Department of Education. To explain further Accounts Control Technology garnished my check without notice. In addition they only notified my employer about the garnishment. When I contacted them by telephone they were very rude and hung up on me. Not being allowed to dispute the debt prior to garnishment has caused a tremendous amount of emotional distress. It is my understanding that my employer was told not to give me any written information about this matter in spite of my calling and providing written notification requesting a copy of the notification sent by Accounts Control Technology. Most important Accounts Control Technology grossly and falsely overstates the amount of the debt that is allegedly in default. Finally I am experiencing sever financial hardships and am suffering from the impact of the actions of this company. 

In closing I really need help in approaching these people because they wo n't budge and it does n't seem to matter what problems it causes me or that I may have to resign from doing my lifes work because of this. 

Best Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MT).
Issue: Privacy

Complaint: My CapitalOne credit card was restricted and flagged for identity fraud. I sent in the required paperwork but did not want to send in a bill statement or a bank statement. I had my bank draft a letter with the information Capital One was requesting, but they say they could not accept it. Their policy would only accept a non-doctored bank statement. I could n't even cancel or end my card until this issue was resolved. I was forced to hand over personal information that went beyond verifying my identity. I do n't know how they were going to use it or what it would be used for or how the information would be protected. This is a corrupt policy and should be stopped. I hope that no one else has to hand over such sensitive information any more to CapitolOne.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (MI).
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: Great lakes educational loan services has been reporting loans more than 120 days late when the loans were paid in full by a student loan consolidation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Other debt) with Collection Bureau of America Ltd. (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XXXX XXXX I sent a signed letter via certified mail offering to pay the full amount of XXXX as reported to all three major credit bureaus. My offer also states that the collection company would either remove the collection or change the status to pays as agreed. Collection Bureau of America did not respond in XXXX to 45 days or in a reasonable amount of time per the Fair Credit Reporting Act and collection was removed and no longer reporting. Collection Bureau of America did respond on XXXX XXXX, XXXX. Collection Bureau of Americas ' statement incorrectly states that I disputed collection and requested verification. As a reusult, the collection was reinserted and is reporting as a negative collection.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Seneca Mortgage - loan Servicing, Posting of P & I and misapplication of payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name is XXXX XXXX XXXX. DOB XXXX/XXXX/XXXX. SSN ***********. I checked credit in XXXX XXXX, had score of XXXX. Suddenly it 's dropped. I signed up with XXXX XXXX. They list a second name of XXXX XXXX. They list an exorbitant number of credit cards. I am NOT XXXX XXXX. Please investigate and inform me who is using my identity and how this happened. 
XXXX 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 non-monetary relief
Consumer complaint received 05/27/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/2013 XXXX mortgage had XXXX of my mortgages : XXXX for my principal residence and XXXX for an income property. XXXX took XXXX times the mortgage on my principal property and none for my income property then they said I did it. They finally verbally acknowledged they made a mistake but refused to get the money back to the income property mortgage because it would be too complicated. As a result my credit scored went from XXXX to XXXX as the new servicing company was given the income property mortgage on XXXX/XXXX/2013 XXXX portfolio Servicing Inc. No XXXX wants to take responsibility and they all refused to work together. SPS sends forclosure notices consistently. I call XXXX/months and get the run around. What can I do? 
I want XXXX to give the money back to pay the mortgage missing payment and get all the penalties off and write to the credit bureaus with SPS and remove the mistakes on my credit reports. Since then I can not apply for a loan or a credit card or increase my business by getting loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation