WillisBack/dataset-financial-user-claim huggingface dataset:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rm. XXXX XXXX, CA XXXX ( XXXX ) XXXX To : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Attn ; XXXX XXXX Department XXXX : Release of Lien Letter : Loan No : XXXX This is not a formal Complaint. 

Just a letter of request for another copy of the " Lien Release letter '' thatRepresentatives of XXXX XXXX XXXX, XXXX, on behalf of XXXX XXXX, XXXX XXXX XXXX XXXX Bank of America, mailed to my spouse and I on or aboutXX/XX/XXXX. 

Unfortunately, having sentthe original to the Internal Revenue Service, and a copy to the California XXXX XXXX XXXX, I find that we had dispensed of our only remaining copies. 

To give you a clear sense of the letter itself, below is the transcribed copy I provided for my viewers and to the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX throughmy website address. ( XXXX ) " XXXX XXXX and XXXX XXXX XXXX XXXX Substitution of Trustee and Full Reconveyance : Property Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Dear Homeowner : Please be informed that when a mortgage or deed of trust is paid in full, the public records must be cleared using a legal document called a lien release or reconveyance. A lien release is a document which releases a lien on property included in the public records. The lien release serves as notification that the borrower no longer owes that specific debt secured by an interest in the property. 

In the states of California, Idaho, Montana, Nebraska, Nevada, Oregon, Utah, and Washington, the Reconveyanc is combined or accompanied by a Substitution of Trustee wherein the lender or the current holder/beneficiary substitutes the original Trustee with a new trustee. 

XXXX XXXX XXXX, is substituted in the above referenced states to replace the original trustee for the very purpose of releasing a lien on the property. The document is accurate and properly recorded based on the statutory guidelines and it removes the encumbrance from your property. 

XXXX XXXX XXXX, is a wholly-owned subsidiary of Bank of America, XXXX. and is responsible for preparing, executing, notarizing and sending real property lien releases on behalf of Bank of America. 

Paid-in-full loans are referred to XXXX XXXX, XXXX. for lien release processing. All lien releases or reconveyances are recorded with the County Recorder 's office where the original Deed of Trust or Mortgage was recorded. 

Please retain for your records the lien release or reconveyance you received as that is proof that your loan is paid in full and released from public records '' Again, I need a copy as soon as you can mail it to us at the above address in XXXX, CA. XXXX. 


I will have the copy notarized, and recorded with the XXXX XXXX XXXX Recorder 's Office. 

If a copy had been recorded by your company, I would have been able to access it from the Recorder 's office. 



XXXX XXXX XXXX
On XXXX Bank of America Collections department seized ALL funds in our checking account in the amount of XXXX. We spent over 2 hours, XXXX people, and XXXX disconnections later to get an answer to what this seizure was in reference to. Bank of America stated that this was a seizure of funds for collection of a boat loan debt. The collection attempt is for a Bank of America Loan. There was no judgement, no lawsuit, no certified letter, no letter period that indicated that they would seize my funds. This account holds ALL of our funds. This account has a third party listed on the account and 100 % of wages of this third party. This has caused us to not be able to pay our bills including our rent which is due on XXXX XXXX. If our funds are not put back we will be facing eviction.
US Bank calls me XXXX times a day. As early as XXXX. I have told them that I am on medical XXXX and that I have XXXX. I also told them that I get paid on the XXXX of the month only. They continue to call and ask for the payment. Then they say can you borrow money from friends? They XXXX my van in XXXX. I paid {$1200.00} on XXXX XXXX to get it back. Then they gave me the runaround for a week before I could get it back. Then I owed another payment on XXXX XXXX. I told them that I would pay them XXXX and a half payments on XXXX XXXX and XXXX XXXX. I have to keep my phone turned off to keep them from harassing me. My doctors ca n't call about appointments and test results. I am also XXXX and this harassment sets off the XXXX that I have because of the XXXX. This goes on month after month. If I accidently answer the phone, they ask me every time why am I late with the payment. I could tell them this XXXX times a day and they will call again and ask the same questions.
I signed up for a XXXX Secured account ( paid {$300.00} ) but was n't made aware of the {$35.00} annual fee so when I got the 1st bill, I called the bank rep who sold me this product and cancelled the card because I NEVER sign up for cards w/annual fees. I did charge {$58.00} so I asked for my {$240.00} in writing on XX/XX/2015 and have yet so receive it even after attorney letters went to them. They did send XXXX cks ; XXXX for {$120.00} and the other {$55.00} but those cks add up to {$170.00} and were not cashed. So where is my full {$240.00}?
I had a capitalOne XXXX credit card since XX/XX/XXXX. I provided this information to XXXX of the vendors ( XXXX 's XXXX XXXX XXXX ) for autopay. There financial services is XXXX XXXX XXXX based in MA. During the month of XX/XX/XXXX - I asked that XXXX XXXX XXXX company that my kid wo n't be coming since XXXX week of XX/XX/XXXX so stop charging my card. I was going out of country for more than a month vacation. The merchant also agreed and I had all the email communications with them. Later merchant charged my card - i found it and asked CapitalOne to block this merchant and their transactions going forward during XXXX - via chat and secure message center. And also opened the dispute with CapitalOne. But Capital One could n't block that merchant ... transactions keep on happening even after that. Finally i closed the account also ... CapitalOne was provided all the possible documents to investigate this issue ... did a lot of follow up with CapitalOne and come to know that dispute will be in my favor ... Later merchant refunded some amount also. I had XXXX item that i had purchased from XXXX which i refunded using this credit card. XXXX refunded this amount into my closed credit card. I reached CapitalOne to refund that money to me via check ... they agreed but they refunded another {$100.00} to the merchant once again??? - i do n't know why they did that ... later i need to keep on following up with CapitalOne ... on XX/XX/XXXX - myself, CapitalOne and merchant had a XXXX hour call ... merchant agreed to pay the money after getting the statements from me. CapitalOne make the merchant understand everything ... send me the statements ... i sent the statements to the merchant also ... they were suppose to refund back my {$100.00} which capitalone gave on XX/XX/XXXX ... But now merchant is not ready to refund back as they are saying that they dont owe me anything ... CapitalOne 's billing statement and overall dispute process is so complicated that it 's very hard to understand what 's going on?
I purchased a XXXX TV ( {$890.00} ), TV stand ( {$170.00} ) and wireless adapter ( {$58.00} ) from Best Buy XX/XX/XXXX and the purchase, totaling {$1200.00}, was considered a " same as cash plan '' with no interest financing for 36 months. I made regular, timely payments every month to Best Buy ( normally exceeding the " mininum balance due '' reflected on the statement ) and on my XX/XX/XXXX statement showed a previous balance of {$1300.00}, a {$200.00} payment, and interest charges of {$1200.00} ( 96 % of the original purchase amount ). I have been a loyal Best Buy customer for decades and have utilized their " no interest '' offers on many occasions, being charged interest at the end of the program period only on the UNPAID balance - in this case {$380.00} - not being charged accrued interest on the entire amount for the entire program period. I was informed this was due to the Best Buy 's change to Citibank MasterCard as their financing servicer. As I never ACTIVATED my Best Buy Citibank XXXX ( I still have the original credit card received with the activation sticker on the front ) and was not informed of the change in the financing terms, I would request CFPB advocate on my behalf with Citibank to adjust the interest charge to only the UNPAID balance. 
I sincerely appreciate any help or guidance your organization is able to provide.
In the attached, the Company XXXX XXXX XXXX has three bills from medical providers that did not send to insurance, I have called and sent a letter indicating that they need to be billed to insurance ( in attached ). They just sent everything back and would not do as I asked in the letters.
I had an over charge from my insurance company XXXX XXXX. I filed a dispute, for the overpaid amount. I was called by Bluebird and told that I would not get a provisional credit. I was then in contact with XXXX XXXX, who told me they sent the whole amount of the bill paid back to my card on XXXX XXXX, XXXX. I still have not received this refund. I called Bluebird AMEX every day since XXXX XXXX, and each time I am called I am told a different story. It takes 3-5 days to process refunds. Then it takes 8 days for AMEX to process refund. Then I was told that my dispute was closed without ensuring that I got a refund. That it would not be until XXXX XXXX, XXXX before I could get any more information about this dispute from them. Then I was told that my dispute was closed on XXXX/XXXX/XXXX. When I tried to open the dispute again, I was told that the dispute was not closed but the provisional credit was. Then I was told that AMEX Bluebird talked to XXXX XXXX last on XXXX/XXXX/XXXX, which is impossible since it was a Saturday, and the corporate office is not open. I was also told that AMEX was told by XXXX XXXX, they were processing a refund. I asked for a corporate office number and they would not give me one. No one is trying to help me resolve this problem. I was also told that XXXX XXXX is the reason that I was declined for the provisional credit. I am not understanding why? How can XXXX XXXX dictate AMEX Bluebird policies. I orginally filed my dispute on XXXX XXXX, XXXX, and it should be resolved way before XXXX XXXX, XXXX. It 's like they closed the provisional credit, and opened another dispute to extend the 45 days.
I have disputed the accuracy in reporting a closed account reported XXXX XXXX XXXX agency on two occasions. There is an account with Macys account # XXXX that is closed and shows last payment on XXXX XXXX XXXX. Transunion says the account will stay on the report until XXXX XXXX which would be over 10 years from first delinquency. According to the FCRA the reporting period is determined from date of first delinquency as relates to negative information reported. I have confirmed with Transunion that accounts that negatively affect my credit report are reported for 7 years from the date of first delinquency. I requested Transunion delete this information and only got a response that the account was verified which does not resolve the purpose of my dispute. 
I am concerned as negative credit has huge consequences and it seems that Transunion does not even take the time to seriously investigate legitimate consumer concerns.
Just applied for and received a credit Card from US Bank, we tried to make XXXX purchases over XXXX as XXXX are some travel points associated with the card. US bank wil not allow us to charge anything over XXXX, even though credit scores are in the high XXXX 's and we had a mortgage with US Bank until a few years ago, which was never late. US Bank also indicated in an email the following : XXXX Points per {$1.00} spent in eligible net purchases at XXXX XXXX hotels worldwide. 
Bonus Award Nights -- When you redeem Points for XXXX or more consecutive Award Nights, your last night is free. Plus:XXXX New Account Bonus : To earn the XXXX-time XXXX Purchase Bonus of XXXX Gold Points, you must XXXX make a purchase with your XXXX Premier Rewards Visa Signature credit card ( " Card '' ) within 90 days after your Account was opened. You may earn an additional XXXX-time Spend Bonus of XXXX Gold Points ( XXXX Gold Points for Platinum Rewards ) if you spend at least {$2500.00} ( {$1500.00} for Platinum Rewards ) in Net Purchases on your Card within 90 days after your Account was opened. " Net Purchases '' means authorized purchases of goods and services minus any returns or refunds, and does not include Advances ( as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements ), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, XXXX XXXX purchases, or transactions to purchase cash convertible items. Once you qualify for either the XXXX Purchase Bonus or the Spend Bonus ( collectively referred to as a " New Account Bonus '' ), please allow XXXX to XXXX weeks for the Gold Points to appear in your XXXX account. Neither New Account Bonus is available to applicants who have had this Card or another XXXX XXXX credit card product within the last 12 months. If your Account is not open for at least 6 months, XXXX XXXX and U.S. Bank reserve the right to deduct the New Account Bonus Gold Points from your XXXX account. 
They mislead us when we applied for credit card and now they will not allow us to charge enough to be able to use the benefit before the benefit goes away ... seems to me this is deceptive advertising
I spoke with Peter Roberts & Associates today ( XXXX ) concerning a collection that is on my credit report and showing up five times for the same account. It is for XXXX XXXX, XXXX, RI and it is for the same service - these duplicate accounts need to be removed. I also spoke to them about XXXX other accounts I have which is fine. I requested that once these debts are completely paid, I wanted them removed from my credit report. I was told that the federal government is asking collection agencies to refrain from removing debt from people 's credit reports just so that they could have a history of the account. Can you please tell me if this is true? I spoke with another collection agency prior to calling Peter Roberts and was told that once I made my last payment, they would remove the dispute from my credit report. Can you please provide some guidance?
I have XXXX credit card accounts with Bank of America : XXXX is for both my wife and myself and XXXX which is my individual card. On XXXX XXXX, 2016 I contacted BoA to make payments for my accounts. I spoke with XXXX XXXX. I auhtorized bank debit for {$670.00} for account ending in XXXX from my account at XXXX. When discussing account ending in XXXX I had a credit balance of {$500.00}, which I also asked XXXX XXXX to CREDIT my bank account at XXXX. The reference for these transactions was XXXX. 
On XXXX XXXX, I noticed my XXXX bank account had been debited for the {$670.00} but had no credit for the {$500.00}. I assumed this would take XXXX or 2 days same as the debit. However, by Friday XXXX/XXXX/2016 I called around XXXX XXXX and spoke with XXXX at BoA and complained about non-receipt of credit at my bank. XXXX XXXX informed me that the the payment had been authorized that date and I should have it in my account by monday morning XXXX. 
As I did not receive the funds on XXXX, I called back BoA and spoke with XXXX from Texas on XXXX/XXXX/2016. I again explained my frustration about non-receipt of funds in my bank. It was only at this time, on XXXX XXXX that upon reviewing account notes with XXXX that we discovered BoA had NEVER applied a bank credit. Instead I was informed that a check had been drawn out on friday and mailed on monday. Obviously I was extremely frustrated. 
XXXX spoke with her Manager and informed me BoA would put a stop to the check and immediately credit my bank account. She confirmed the funds would be in XXXX by the end of the day. It is now XXXX XXXX on XXXX XXXX, 2016 and still NO CREDIT in my bank. 

I would like the CFPB to investigate why is it that BoA has the capacity and technology to immediately debit a customer 's account at another bank for payment. However, as it happend in my case, why does BoA not have the same technology in place to satisfy a customer 's request. I think these actions fly on the face of proper customer service. I would rather classify it as CUSTOMER DISSERVICE. I also think it may be illegal for them to conduct these activities in the manner which I experienced. It can not be good consumer practice and good faith for the bank to have the ability to pay itself immediately but make the same customer way for days, and in my case weeks for a credit transaction. Furthermore, When I inquired on Friday XXXX I was LIED to as I was informed that the transfer had taken place, when in fact a CHECK had been supposedly authorized. 

I would also like to know if the CFPB has received more types of this complaint as I am convinced other consumers have been harmed in the similar manner and may have basis to take legal action. I await your kind feedback related to this issue. 

Thank you XXXX XXXX
My mortgage servicing provider ( Shellpoint ) transferred my mortgage to another service provider ( XXXX ). This is a standard procedure and I went through the process several times before. However, this time I was not informed about the transfer from either company! Because Shellpoint had a wrong address on file I did not receive their notifications. Additionally, since the new service provider ( XXXX ) relies on the address from the previous service provider, I did not receive any communication from them either. 

I found out about the transfer a few months later via a coincidence. I checked my credit report and noticed that my credit score dropped. Apparently I had a mortgage with XXXX that was more than 30 days late. I was confused as I had been making timely payments to my my mortgage provider. 

I called Shellpoint and they informed me that they are not my service provider anymore and they referred me to XXXX. Both providers admitted that they had the wrong mailing address and that the mail they sent to me had been returned to them. When asked why they did not call me both service providers did n't provide an explanation. I still do n't understand why Shellpoint never tried to call me while they continued to receive my mortgage payments several months after the service transfer. 

I immediately settled my balance with XXXX as they were very adamant about the outstanding balance. Working with the XXXX service providers and all three credit bureaus is very stressful and frustrating as it all could have been avoided. As of today I am still waiting for Shellpoint to reimburse me for three months of mortgage payments.
On XXXX XXXX, 2015, I received a letter from Central Credit Services LLC, dated XXXX XXXX, 2015, attempting to collect a debt I allegedly owed XXXX. On XXXX XXXX, 2015, I sent a certified letter to Central Credit Services ( i ) denying that I owed the debt ; XXXX ii XXXX demanding that they cease attempts to collect the debt or contact me until they could satisfactorily demonstrate the validity of this debt ; XXXX iii XXXX stating that any further contact should be in writing to a specified address and only for certain limited purposes ; and XXXX iv ) directing them to refrain from reporting any negative information to a credit agency. This letter was delivered to Central Credit Services on XXXX XXXX, 2015. 
Subsequently, on XXXX XXXX, 2015 XXXX I received a call from XXXX. The caller would not identify herself at first ; only after multiple requests on my part, did the caller acknowledge that she was calling on behalf of Central Credit Services. I told the caller that I had disputed the debt and directed them not to contact me, that calling me was a violation of the FDCPA, and that I would be filing a complaint against the company.
I opened my account with Bank of America onXX/XX/XXXX -- entirely because of a promotion that was being offered ( I would never have opened a bank account with BofA otherwise, given the company 's horrible record of treating consumers, especially minorities, badly ). The promotion advertised that the account holder would receive {$300.00} if, within the first 90 days of opening the account, over {$4000.00} of direct deposits were made. I adhered to the terms of the promotion, with XXXX XXXX my employer ) directly depositing {$2600.00} on XX/XX/XXXX and {$2600.00} on XX/XX/XXXX, for a total of {$5300.00}, within XXXX days of opening the account ( well over the {$4000.00} required ). I contacted the bank on multiple occasions, and every time I spoke to a representative he or she never mentioned that there was a problem, only that the maximum amount of time BofA had to deposit the {$300.00} was 180 days ( though I do not believe this is actually the case, either ). I waited the XXXX days and went into a local branch at XXXX XXXX XXXX in XXXX XXXX, CA XXXX, onXX/XX/XXXXand spoke with a representative, XXXX XXXX, who told me that Bank of America had incorrectly ( he agreed it was the bank 's fault ) identified the direct deposits as transfers and had thus decided to not reward me with the {$300.00}. I am highly skeptical that this was a 'mistake ' and believe, rather, that this is systemic abuse of consumers. 

Note : I have attached communication from Executive Advocate XXXX XXXX. Since receiving his communication, I attempted to call him multiple times and never heard back from him. It is almost impossible to get in touch with anyone at Bank of America who can do anything about this issue.
Asked for validation about a dispute and received personal medical records. Obviously hipaa violation because I never signed hipaa release for 3rd party. XXXX
Before going on vacation, I set my CitiBank credit card online account to pay my amount owed automatically on XXXX XXXX 2015. My bill of XXXX dollars was due the next day on XXXX XXXX 2015. When I returned from vacation on XXXX XXXX, I was shocked to see XXXX emails that had been sent to me on XXXX XXXX 2015 telling me my credit limits on XXXX cards that I hold with Citi had been significantly reduced XXXX XXXX card from XXXX to XXXX and the other from XXXX to XXXX dollars ) and the XXXX had been cancelled all together. I was also charged a XXXX dollar late fee and my APR was increased from XXXX to XXXX on my remaining cards. I called the company to complain about the situation and was basically told there was nothing they could do to help me. The representative did say he would ask them to remove the XXXX dollar late charge and any remark placed on my credit report, but they may or may not help me with that. I 'm sorry that their system was acting crazy when I tried to submit my payment and it might have not went through, but this being the XXXX time I have missed a payment deadline with them I would have expected them to call me ( seeing as they had my cell number already ) or send me an email ( since they apparently had that as well ). I am in disbelief that they could do this to a customer who has never missed a payment and payed more than the minimum amount most of the time for more than XXXX years. So basically, their website was acting up ( kept freezing up ) when I made the payment and I thought it went through and because of my error I triggered a credit downgrade, a huge credit APR increase, a XXXX dollar charge and a possible derogatory remark on my credit statement. By the way, I paid the entire XXXX dollars I was told I had to pay as the new minimum payment on XXXX/XXXX/15 ( the day I returned from vacation and saw the emails ). This from a company that had to be rescued by taxpayers just a few years ago for mismanaging their assets. I do n't think this is fair and it is abusive to consumers. I would appreciate any help that you could provide me. Thank You.