milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Settlement process and costs

Complaint: XX/XX/XXXX CFPB : Bank of America, a TARP Funds Recipient, took my original XXXX HUD-1 Settlement Statement, which I had received at the Closing on the evening of XX/XX/XXXX, at the Law Offices at XXXX, IL XXXX, under Attorney-Client Privilege, from XXXX, IL XXXX. I need Bank of America to return that original HUD-1 to me. 

Sincerely, XXXX, IL 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 explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Mar Joe Enterprises (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX Re : Notice of Intent to Sue / Health Insurance Portability & Accountability Act Violation Validation Letter sent to : Mar Joe Enterprise To Whom It May Concern : Please be advised that I have requested validation { not verification } of an item ( or of the accounts ) reported to you by the above XXXX XXXX XXXX XXXX XXXX. I have received a response that clearly violates my rights according to HIPAA. { Creditor/Collection Agency } did NOT provide me with a HIPAA Release Form, to authorize the use or disclosure of my protected health information ( PHI ).

Therefore, by providing you such information they are in serious violation of the HIPAA Privacy Rule. Furthermore, your agency has aided and abetted your customer by your negligence and disregard of your reporting responsibilities as a credit reporting agency, pursuant to FCRA 604 ( g ) ( 1 ) ( C ) and FCRA 605 ( a ) ( 6 ) ). I am proceeding with legal action as prescribed by law against the above named { original creditor/collection agency } and will name you in the lawsuit if you do not immediately delete the listed item ( s ) due to the privacy violations.

You are also required by the FCRA to receive written certification of the information furnished to you prior to you assembling and reporting such information. If you can not provide proof that you received the original or a certified copy of a HIPAA Release Form signed by me, clearly delineating my consent to release my ( PHI ) then you must cease from reporting this unlawful entry.

I will seek every legal remedy available to me and file suit against the credit bureau for the continued aiding and abetting of your customers actions for commercial gain by the continued reporting of my protected information, preceding your receipt of this notice. You are clearly benefiting monetarily by reporting this account on behalf of your customer. I urge you to take this matter seriously, as I have documented my case without error. I encourage a response from you expeditiously in the form of an updated credit report showing that you have ceased and desisted your illegal reporting of the listed accounts, pursuant to the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Delinquent account

Complaint: This is XXXX again. I just checked Chase Banks response to my complaint about my mail theft issue and the XXXX late payments that resulted from that dilemma and they are claiming that i was advised of the minimum payment over the phone, hence I am responsible. Yet I WAS NOT ADVISED of that and due to my statements going missing I had no knowledge of them minimum payments and therefore this is NOT my fault and Chase is refusing to follow the law and accept the Police report which I obtained. They are the only company that was affected that is giving me this hard time and falsely reporting to the three credit bureaus that I was dilinquent and this has tarnished my credit. I am a victim and they are being very difficult with me and they keep giving me the run around and refuse to do what is right. I advised them over and over again that the clerk at the bank simply took my payments a few times without advising me of ANY minimum. I do not bank online, so i had no access to that info. Which is why I paid the minimum as I was afraid ALL of my information was being compromised. Chase did not even care that my mail was stolen, they did n't even offer me condolences or a new card because my statements had my card numbers on it. They could care less! They have no respect of trust in their customers!

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Problems Reaching Asset Manager, Problems with Lost Hamp Modification Packages sent to Bayview Loan Servicing. 
I have sent several qualified written request via emails regarding lost Hamp Modification Package Applications. ( See Exhibit I emails to Bayview Loan Servicing regarding reaching Asset Manager and Lost or misplaced Hamp Packages ). 
On Saturday XXXX XXXX, 2016, I emailed another " Hamp Modification Package Applications '' due to the XXXX 2016 and XXXX 2016 Hamp packages that were mailed were lost or misplaced ( Another Asset Manager indicated when the packages go to Florida, which was the prepaid envelope sent to me that sometimes they are misplaced or lost so she indicated for me to email the package to my Asset Manager XXXX XXXX. 
On XXXX XXXX, 2016, I received an automated response that my Asset Manager would contact me within 24 hours of her return on Monday. It is now XXXX hours and no response. Upon calling my Asset Manager XXXX XXXX, the message indicates, that on Wednesday she will be there until XXXX. and then she does n't return until Monday, XXXX XXXX, 2016. 
The problem I am facing is I have a XXXX husband and Bayview Loan Servicing has a foreclosure dated on our home, XXXX XXXX, 2016, this foreclosure has remained although we have sent in three previous Hamp packages. This package emailed will be the fourth package. Please have someone call me about cancelling the foreclosure sell date on my home until my HAMP modification package is processed. Thank you for your time and trouble. 
In addition, due to Bayview having all my phone numbers preprogramed to go to only to my Asset Manager XXXX XXXX, I have to go borrow a neighbors phone to follow the directive XXXX XXXX left on her voice mail today to not leave a message but to call customer service. You can reach me at ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hameroff Law Group, P.C. (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Hameroff Law Firm, in XXXX, Arizona sued me for a debt less than XXXX dollars for collection. Before the lawsuit, they would call me at all hours of the day, leaving horrible messages and the few times I spoke to them, they left me in a state of panic. I explained the current circumstances at the time and how I could pay but they would not accept it, they wanted all the money at one time and immediately. Communication with them was absolutely terrifying and I was afraid to even answer the phone. 

Hameroff sued me, I went to the courthouse but it would cost me additional money to answer, money I did not have. I left messages to the company but they did not return my calls. 

I began working with XXXX to help restructure my debt and even they had a difficult time establishing any kind of worthwhile communication. Hammeroff, treated them the same way they were treating me. 

Eventually, they got a judgment against me and garnished my wages for close to {$300.00} dollars every two weeks - that is the equivalent of half my paycheck. 

The debt could have been paid in one payment, but rather, they penalized me with close to {$1200.00} in fees for a debt that was less than {$300.00} dollars. 

Hameroff Law Firm, made it impossible for me to reply in court, make arrangements for payment or work with me - rather it was abusive phone calls, threats and harassment. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Student loan (Non-federal student loan) with Russell P Goldman PC (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am cosigner on my daughters XXXX loan. My daughters loan is in default and XXXX loan has given this loan to debt collector Attorney Russell P Goldman located at XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, NJ XXXX. This debt collection company put a levy on my bank account and took everything I had without notice. My daughter and I received a letter that XXXX Bank as well as XXXX XXXX XXXX had a levy placed on them. Neither of these banks do I hold an account at. My bank is XXXX XXXX and this bank was not mentioned in any of the received paperwork. Also once before they had placed a levy on my daughters XXXX Bank account and when my daughter wrote a letter to the court to claim her {$1000.00} exemption they lied to the court and said there was no levy yet we supplied the court with a copy of the paperwork where they did. This debt collection company does not work within the guidelines that they are to follow. If they have been dishonest with my daughter and myself then I can imagine they have the same practice with all of the people they are harassing for payments. My daughter has also in writing on numerous occasions asked them to consider payment arrangements as she does not deny the debt, it is that the payments were so high she could not afford them. This debt collection agency has ignored every request that my daughter has made to them in writing about a payment plan. XXXX loan was seeking {$1900.00} per month from my daughter directly out of college. My daughter was granted XXXX forbearance and then denied consolidation as well as refinancing as they said she did not make enough money to do these things. We still do n't understand this logic as consolidating would have made her payments less and would enable her to keep on track. XXXX loan essentially dismissed my daughter as she was not making full payments but she was paying whatever she could and XXXX loan defaulted her even though she was attempting to make any kind of payment to them. In closing I would like to also add that XXXX of the loans that was less than {$90000.00} has now somehow since XXXX blossomed into {$210000.00} while at this debt collecting agency. Is n't this Usury?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: MyFedLoan student loan servicer failed to properly recertify my income based repayment plan on an annual basis. I submitted all materials requested prior to the deadline in XXXX 2017, however this incompetent servicer not only removed me from the income driven repayment plan, but capitalized about {$10000.00} in interest because of this. This is the second year they did this. That is unacceptable. I contacted the company who told me to put a stop on the payment at the bank, while they have me yet again resubmit certification, stating I did not submit on time, despite the fact I uploaded all their documents requested on their own website well within time, yet they send me a letter it was not completed which I am attaching. They continue to not take responsibility and make excuses for their utter failure to do a simple job. They have refused to correct the capitalization problem, which is criminal given the error is on their part and they are breaking a contract and federal laws, and highly unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (MI).
Issue: Closing on a mortgage

Complaint: I am a first home buyer. I found a house that I liked and I was accepted an offer on a house. Initially, my wife and I started with XXXX XXXX for our mortgage, but I decided to shop around for other deals. I found XXXX Bank and I and I am in the process to move my mortgage loan with them. It 's true that I have been with XXXX XXXX longer because I initially started with them. I received phone calls from XXXX that they will offer me a better deal ; right now, all I want is for them to close the mortgage and send Appraisal to my XXXX bank. I heard that XXXX are very good at sales but they put pressure on people in order to keep their mortgage with them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Sale of account

Complaint: This card issuer is reporting that I had an account with them over seven years ago, that it long ago sold off the debt, that it has no information on the account. Then I wrote the creditor a letter asking for proof of what they were reporting and nothing was provided. Then I disputed the debt with all XXXX credit reporting agencies to whom the card issuer reports and the card issuer stated that the information was reporting correctly. The creditor did not even mark the debt as 'disputed ' as required by the FCRA . It is a violation of California 's Rosenthal Act to verify something as correct as appearing in the credit bureaus unless the creditor has some documentation to back up what it is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Money transfer, virtual currency, or money service (Check cashing service) with PLS GROUP, INC (IN).
Issue: Fraud or scam

Complaint: I cash a check in PLS and 10 days later they said the check was false so when i cashed they charge me XXXX dolars i return the whole amount off the check but they took my XXXX dollars. The check was from a scam company i want to know how i can get my XXXX back from PLS

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 12-06-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a negative credit reporting alert from XXXX on XX/XX/2016 that creditor, Capital One has placed a 30 DAY LATE on my credit file. The creditor has posted misleading, invalid, and inaccurate information to the major Credit Bureaus. I received a 30 Day Late Payment ERROR which was created by FAULT of Capital One. I requested the alleged 30 Day Late Debt be validated and proof be provided surrounding investigation of why the XX/XX/2016 payment was cancelled by Captial One. The request was not honored nor has the inaccuracy been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I saw an offer on Citi bank web site that if I open a new checking account by XXXX/XXXX/XXXX and deposit {$15000.00} within 30 days and keep it for 30 consecutive calendar days than I will earn {$400.00}. I called the bank on XXXX/XXXX/XXXX and opened over the phone a checking account and deposit the {$15000.00} on XXXX/XXXX/XXXX at the branch. It passed more than 4 months and they still did n't honor their promise to give me the bonus. I called numerous times and was told that money will be in my account after XXXX XXXX, XXXX ( after 120 days ). I opened a service request on XXXX XXXX, XXXX - Request # XXXX, then followed up on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and today is XXXX/XXXX/XXXX and I never got the money or any response from the bank. Since I followed all the requirements of the offer, I think it will be fraud on their part to keep telling me that I will receive the bonus after XXXX XXXX and use my money for more than 4 months and eventually not paying it and just ignoring my requests. If the issue will not be resolved I will file a complaint with Federal and State Attorney General 's offices.

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 11-10-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery is a XXXX company! They have had two accounts on my report, one was removed and another will be and now they are digging up another supposed account that they havent contacted me about in forever. Again not an account I owe ... these people are trying REALLY hard to get money out of me! Crooked crooked and even more crooked!!!!! Funny enough I see one of the accounts was deleted and yet in their last response they still have THREE accounts listed!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (Medical) with Commercial Trade, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have sent company 2 letters asking for validation of debt. I have never received any communication from this company before they appeared on my credit report. Which violates FDCPA 809 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). The first letter was received by company XX/XX/2016 by certified mail with 30 days to respond with validation of debt, I received nothing, which also violates FDCPA 809 ( b ). Second notice was received by the company on XX/XX/2016, again by certified mail. After they received my second letter they removed their company name from XXXX thus reporting inaccurate information and violating another FDCPA law. Failure to report these accounts as disputed to all XXXX credit bureaus is yet a fourth violation of my rights under these laws. Reporting on my XXXX report they have returned all accounts back to original creditor but not removing their contact info. As if to defraud and confuse me by making me think they no longer hold these accounts and also reporting with a past due amount of {$0.00} and no payment status. This is also inaccurate and untruthful reporting. I am requesting that these accounts associated with this company be removed from my credit reports due to inaccurate reporting, failing to validate all debts associated with this company, failure to respond with validation within 30 days of request, and failure to report as disputed to all credit bureaus. Each violation carries a {$1000.00} fine. Commercial Trade Bureau has repeatedly violated these laws. Commercial Trade Bureau XXXX , CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Student loan (Private student loan) with DISCOVER BANK (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I filed for bankruptcy in XX/XX/XXXX and student loans ( both private and federal ) were included in the bankruptcy ( although I knew they likely would n't be discharged ). Online accounts with all lenders were suspended. In XX/XX/XXXX, when the bankruptcy was finalized, the federal lender restored online access immediately, but private lenderwith whom I had two loans ( no. XXXX from XX/XX/XXXX at XXXX University and no. XXXX from XX/XX/XXXX at XXXX XXXX University ) did not. In XXXX or XXXX, I called the lender ( spoke to XXXX ) to inquire about online access. XXXX informed me XXXX XXXX was discharged in bankruptcy. At that time, I paid what was owed on loan XXXX up to that date ( $ 300+ ), and set up automatic payments for the future. Online access, however, has not been restored. When I again inquired on XX/XX/XXXX ( spoke to XXXX and XXXX again ) about the statements/online access, they said the bankruptcy is not yet settled ( it is ) and that they 're challenging it ( they 're not, they have n't filed anything with the court ). XXXX also said that Loan XXXX was considered in default and asked for full payment at that time. When I spoke to my lawyer, he told me they can not be soliciting payment on a debt that was discharged in bankruptcy. But that 's another issue. ) Since I have no access to statements or to my accounts, I can not see what is happening with my loan, which is really frustrating. I 'm unable to see where my payments are going, what my balance is, or anything. I 've attached a screenshot of what I see when I go onlineyou can see there 's no way for me to access existing loans. I 've also attached the BK Court Order discharging the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2016 about Student loan (Non-federal student loan) with NELNET, INC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Firstmark Services manages several groups of student loans. They do not provide a history of monthly principle balances, nor will they upon request. They will also not mail this information to me. I believe they are mismanaging the principle amount and accruing interest on my loans. They also have made it exceedingly difficult to pay in excess of the minimum payments as I see fit. That is, they deliberately split large payments to spread across my multiple loans, so as to have the smallest impact on principal balance, despite multiple requests to the contrary. I have written, emailed, and spoken to representatives several times in an attempt to resolve these issues and obtain the requested information, and each time am provided with no updates, nor are the changes I request implemented. I believe they are managing loans in a bad faith fashion, and deliberately hindering the repayment process. Further, their website was recently updated and has been riddled with issues impacting the ability of fiscally responsible loan recipients to manage their debt. For instance, statements are not generated unless there is a balance due. However, I pay the loans and a frequency exceeding the time for which a balance would be generated. I therefore am unable to see the principle balance as affected following each payment. As an actuary, I find that the calculations for balances as calculated by myself, do not coincide with the balances generated by Firstmark Services.

Company response to consumer: Closed with explanation