milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-11-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: A few weeks prior to Bank of America mortgage being paid off, I noticed an amount in question of {$1000.00}. After many phone communications with BOA customer service reps, they were unable to identify any reasons for the amount being charged to my account. Additionally, the HELOC Department has no evidence of this documentation. On XX/XX/XXXX, BOA sent a letter stating that the fees were accessed as a result of the " HELOC trying to foreclose '' on my property. Since I have never been XXXX days late on any payment, I requested a loan history that does not reflect any payment over XXXX days. Therefore, I again requested that the money be refunded to me or documents reflecting the HELOC foreclosure be forwarded to me. After several verbal communications, followed by a certified letter to Bank of America on XX/XX/XXXX, the money has not been refunded in the amount of {$1000.00} plus interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Today, XX/XX/2018, I went online and was asked to update my personal information. For the first time, Bank of America is now asking a new " required '' question, " Do you have dual citizenship? '' I have told them that I am a US citizen and that I am living here in the United States. I see no reason to answer this question and am offended that they are even asking it. When I called to ask them what was the legal basis of why they were asking this question, they responded that they had to verify my identity, my citizenship and my residency per US government regulations. I told them that I have provided them with all of that information and that it was none of their business whether I am a dual citizen because I am a natural-born US citizen who was born and raised in the United States and that I hold a US passport and currently reside in the United States. As I explained repeatedly to the customer service representative, whether I am a dual citizen should have absolutely no bearing on them providing me financial services because I am a US citizen. I also told them that I was going to refuse to confirm or deny whether I have dual citizenship and that it is possible that I may not even know one way or the other because citizenship is determined by each country  individually. I find it highly offensive and potentially in violation of the 1964 Civil Rights Act that they are even asking me this question. They have informed me that I can currently ignore the request but that if I do not answer it, eventually my access to online banking could be cut off. As it turns out, I am unable to update any of the other pieces of information because they consider the dual citizenship question to be " required ''

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 04/19/2017 about Debt collection (Medical) with Overton, Russell, Doerr and Donovan, LLP (NY).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Please be advised that the options above do not describe the issue at hand. We are trying to clear title for property at  XXXX   XXXX   XXXX ,  XXXX  NY  XXXX .  XXXX   XXXX   XXXX   XXXX  holds a lien on the property that we would like to negotiate a settlement for and obtain a release of lien. We have written to their attorney, Overton , Russell , Doerr and Donovan , LLP and the letter was sent on   XXXX  . They have not responded. Today I called their office to confirm that they have received the letter. The receptionist was being very difficult and would not give me any information. She kept stating that they could not give me any information on the account. I acknowledged that I understood that and wanted to speak to an attorney there to discuss. She would not pass me through to anyone, would not give me a fax number to resend my letter, and kept stating she would not help since I did not have the debtor 's authorization. I again acknowledged that we were not asking for any privacy or debtor info, and that debtor no longer owns the property and I have authorization by the new owner. She did not care and kept telling me they would not give me any information. She would not listen to what I was saying and would not pass me on to anyone else in the office to discuss the matter with. I am uploading our original request that described the issue in detail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08-09-2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I filed a dispute with XXXX in reference to a debt collection company called Portfolio Recovery Associates and the results of the dispute stated that the debt was verified. In the dispute letter that I sent to XXXX I speciaffically stated the following : " Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately ''.
According to letter I sent and the law they are to provide me with a original contract and I have not recived it. XXXX reported that is was verified and that the company was not required to send them any documentation verifiying the debt. I then contacted Portfolio Recovery Associates and they said that they did not have an original contract and that they did not have to provide the contract to me or the credit bureau. According to the FCRA it is required by law by the collection agency and XXXX to provide the original signed doucuments proving that this is my debt. All I want is the proof and if they can not prove this is my debt I would like it to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: To Whom It May Concern,. 
Pressler & Pressler , LLP placed a wage garnishment against me and my employee pay wages. for a credit card debt that I do not owe nor own. Pressler & Pressler garnish my wages from my employment without my knowledge. I Did not receive no court dates to be aware of what my pay check was being garnish for and the percentage. I arrived at my job to start my day. An envelope with confidential stamp on it. that 's when I was aware that Pressler & Pressler garnish my pay check for a debt I do not owe. I file For a motion to go into court on my own. and attorneys were not present in court. but wage garnishment is still being deducted from my paycheck. For a debt I do n't own nor owe. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Debt collection (I do not know) with Gordon & Wong Law Group, P.C. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX hired attorney Gordon & Wong Law group who filed judgment against me XX/XX/XXXX on a debt that is not mine. They just recently levied my XXXX XXXX XXXX account in ths amount of {$860.00} I contacted Attorneys office and they advised me to file police report of id theft and that this alleged debt is not mine. I filed police report along with FTC complaint and submitted all documentation to attorneys office by certified mail USPS tracking # XXXX XX/XX/XXXX They advised me they would speak to there client and get clarification of the debt. I have called there office every week and they claim that it is still being investigated and that there client has not responded to them with definite answer on validation of this debt. I have asked for my money back from bank levy and to this day they have no answer for me or cant even tell me where this debt came from. Please get me my money back this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: we did a modification, we were approved with XXXX XXXX XXXX this was in XX/XX/XXXX as soon as we were approved they denied all at the same time. sent mtg, payment back to us and sold to select portfolio services. they 're not working with us. we obtained a lawyer, fee of XXXX a month who was suing XXXX. were now in forclosure we dont have a payoff amount it goes from XXXX, XXXX and then XXXX and back to XXXX we found this much out because were trying to do short sale and obtain our equity from the home, but now it going into forclosure. our parents left us this house, we did probate were abused in the refinancing of the propety, its been a struggle since XX/XX/XXXX the percentage has alwys bee 19 % never went down. we were said too so many times '' pay on time for a year and the percentage will go down with monthly payment. '' that never happened. we borrowed off the house in XX/XX/XXXX to do just what they asked. continue paying on time and things would get easier. that was not true. the money borrowed paid mtg. for XXXX years on time, the note was XXXX monthly. then XXXX started forclosures then stopped, because we had help from Harp. they lowered the mtg. to XXXX monthly that lased for about XXXX years. thats how we arrived in this situation now. we did the siminars thats how we were approved for our modification in XX/XX/XXXX then it was revoked in the same month. as of today were in forclosure and trying to make sure were not wrong but we were abused and taken advantage of. were looking for justice somewhere so i started here, i do not know what else to do. we 've been here since XX/XX/XXXX please help. i Need to know if XXXX XXXX XXXX is still acountable for all of this. Select portfolio services is having problems and complaints of their own, why would they take on this loan and not want to work with us but force us out. i beleive they knew what was happing with XXXX and should not have been able to get this loan and there was a legal suit filed against XXXX XXXX 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 05/16/2017 about Payday loan, title loan, or personal loan (Installment loan) with Opportunity Financial, LLC (GA).
Issue: Getting the loan

Complaint: I applied for loan back on    XXXX   XXXX  2017  I  was told that I was denied due to my   XXXX   score being low. I then called and ask what is the score requirement to be approved. I was then told that your score  XXXX  score should be  XXXX . Then I ask the rep what was my score showing in then say  XXXX . So he then say I can contact the company   XXXX   to try in get my score up and then reapply within 30days. So I contact   XXXX   to start the process to get my score up. So today    XXXX   XXXX     2017  my  XXXX  score is  XXXX . Which way pass the company requirement to get approve for a loan. So I reapply for a loan on today  XXXX .17 I was today I was approved for  XXXX . And the only thing I have to do was submit 3 months of bank statements. Once I submitted the bank statement I was told that I was denied. So I then ask why he rep told me that I would have write them a letter to get a statement of why I was denied. So then ask the rep what was my   XXXX   score she then state that my score was  XXXX  and the company requirement score is  XXXX . So at this point I am  XXXX  because why would the company tell me I am approved at first. And then ask for all my personal information just tell me I am not approved This company is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from CENTRAL FINANCIAL CONTROL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CENTRAL FINANCIAL CONTROL instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit report is showing that I owe XXXX ( student loans ) the entire balance of my student loan, {$2700.00}. The statement reads that I have not paid a cent of the money back. Payment was late from myself to XXXX, but now has been paid in full. I owe them {$0.00}. Any attempt to work this out with the loan company has not only been unsuccessful, but downright hostile. I made a mistake in being late, but ultimately owned the problem and repaid my debt. I just want my credit report to reflect the fact that I eventually paid them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (PA).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX : XXXX Email : XXXXXXXXXXXX XXXX XXXX, XXXX Consumer Financial Protection Bureau PO Box XXXX XXXX, IA XXXX. 


Dear XXXX : Since XXXX my CFPB file will show that XXXX and its subsidiaries which include but not limited to XXXX, XXXX and Shellpoint, just to name a few, have interrupted justice in my case by using corrupt practices to not only delayed and denied the data my lawyer are requesting to prove my case in one the finest justice system in the world, the XXXX XXXX XXXX XXXX 
Shellpoint Mortgage and its parent company do not relent to break Federal Laws/ statues and get away with it because of its privileged ( power and pervasive ). 
Attached, please find communications grounding the facts of the above claimed that is self-explanatory. 
I have a team of lawyers that have been anticipating, and are still waiting for me to present to them the needed documents/data that they have requested for review, audit and written analysis to be presented in the court of law but to no avail until now. 
What I want in the here and now as I prepare for the upcoming sheriff sales of my home by XXXXhellpoint Mortgage on XXXX XXXX, XXXX before my home can go on sale is : ( 1 ) The original copy of XXXX XXXX XXXX XXXX signature on the Mortgage note. ( To date, the Shellpoint Mortgage and subsidiaries has refused to provide me with same ). And ( 2 ) The RESPA QUALIFIED WRITTEN REQUEST ; COMPLAINT ; DISPUTE OF DEBT ; VALIDATION OF DEBT ; AND TILA REQUEST. 
These requested documents have been long awaited by my legal team listed below, namely : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXXXXXX Web Site Address : XXXX XXXX, XXXX XXXX XXXX, is a multi-discipline law firm with specialty in Bankruptcy, Mortgage Audit, Predatory loaning among other related business legal matters. The service is paid for. 

Im still awaiting the requested documents from Shellpoint to be presented to the firms listed here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX, PA XXXX Email : XXXXXXXXXXXX A Consumer Law XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX My lead Forensic Document Analyst Thus far, Shellpoint Mortgage has been speaking with The Law Office of XXXX XXXX with my written consent. 

However, to date, Shellpoint has failed to provide any document/s undergirds XXXX XXXX XXXX XXXX XXXX signature, copy of her Social Security Card, any Picture Identity or a copy of a pulled credit report that justified XXXX XXXX inclusion on the mortgage note in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Chase accepted, never refunded my cash, never answerer n good faith my complaint to, the cfpb n that 's like being guilty, using foreigners n another world with possession of my data, is like commercial activity, fsilure to controvert what I alleged repeatedly is deception in banking also denial of loans to unlike other banks chase is a scam artist sending computer generated documents instead of registering as debt collector and by law answering too the cfpb files I pursued instead retaliation vs my mom n their banking'3party, syndicators'chase collectibles, is a very immense sneaky little trick my mom is was POA, n they fig going after her would back me off fck chase! their arms had signs n were 'tethering my card by skim yet not giving cash back on those days, returning later my cash was gone .plus online transactions denied I was never refunded never got merchandise n still nothing from chase chase sucks XXXX, n must be severely monitored with how it handles cash n tjat I scam pitch 's pending'is true fraud .for real it 's gone, then  thev'ropeadope '' they say ai n't giving it cuz, its all foreigners n breached ATMs, n credit card cracking fraud n much more chase is involved with allowing'nonmatching, name transactions to occur online often n still no refund so yea, I would n't answer to cfpb either their pitiful deny me  access to my files n gov, complaints vs hateful groups of lending certain banks like XXXX with costs bikes up north on XXXX XXXX tell u it approved for a bank loan for bike n deny u bike until card comes? unreal like no XXXX XXXX XXXX XXXX loan at all, a and the XXXX bike is raggedly scratch filled hesitant overpriced raggedy, tires too chase something .claims this n that but..it 's aside get locations r nasty. No bike ramp, doors broken unsecure, atms, jammed, skimmed, wjike chase let 's customer loose n Teaches it 's XXXX guys working to snatch the card cut it up n throw it away cuz it 's evidence, as they input piece meal notes like '' covering their tracks in the act of unlawful taking my trust funds .living n letters '' research? " they fraudsters! shut, investigate, staybon chase period their retaliation vs my mom sicking '' their 3party syndicated groups on my mom to retaliate is heinous f @ @ chase n chase receivables whom disclosed my mom 's debt to 3party which voided  the debt plus they violated the statute with debt collection under USC 42_1692section they all do XXXX XXXX looser

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is a billing error dispute for my XXXX  XXXX XXXX Home Equity Line of Credit account. 
Since XX/XX/XXXX, I have not received any of my paper billing statement for my XXXX XXXX XXXX Home Equity Line of Credit ( HELOC ) account. Each month since XX/XX/XXXX, I have sent XXXX XXXX XXXX letters requesting that they send me a paper statement so that I may know what amount to pay ( minimum due ) and by what day I must pay ( due date ). XXXX  XXXX XXXX has failed to send me paper statements for the month of XX/XX/XXXX to XX/XX/XXXX, for all the months of XX/XX/XXXX, and for XX/XX/XXXX through XX/XX/XXXX. I recently pulled my credit report and all 3 major credit bureaus show that XXXX XXXX XXXX is reporting my account past due for all months since XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX XXXX by phone and XXXX XXXX XXXX acknowledged that because of an error in their system, I have not been sent any of my statements since XX/XX/XXXX and that they will be sending out a paper statement in the mail within the next few days. I was also informed that I have a past due balance of approximately {$14000.00} dollars that I must pay. Per XXXX XXXX XXXX, my minimum payment due changed on or about XX/XX/XXXX. If I would have been given my paper statements, I would have made the correct amount due. I want to dispute the past due balance as several billing errors occurred because I did not receive any billing statements since XX/XX/XXXX. Every month since XX/XX/XXXX, I sent XXXX XXXX XXXX a written notice stating that I have not received the statement for the month I mailed out each notice.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Managing the loan or lease

Complaint: Bought a vehicle and financed through Navy Federal Credit Union. Once I paid off the loan and attempted to remove the lien from my title, I found out that the lien was given to a third party by Navy fed. I have tried to contact the 3rd party but no reply. The XXXX will not remove the lien from my title until he releases it despite Navy Fed acknowledging their wrongdoing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2017 about Bank account or service (Checking account) with PNC Bank N.A. (NJ).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, XXXX, my rent check for XXXX was mailed. On XXXX XXXX, XXXX, the " Pay to the Order of '' on the XXXX rent check was altered and cashed at a PNC Bank. On around XXXX XXXX, XXXX, I filed a fraud claim with XXXX Bank. XXXX Bank said I would receive a refund in a few days. It has been 33 days and my refund still has not been issued. After contacting XXXX Bank again, I was told by a supervisor that it could take 90+ days to receive my refund and they could not issue my refund until PNC Bank refunded the money to XXXX Bank XXXX 

XXXX Bank Contacted PNC Bank on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX, PNC Bank has not responded to XXXX Bank.

Company response to consumer: Closed with explanation