milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX   is attempting to c ollect a debt without any legal authority. According to    XXXX   XXXX   , I owe {$290000.00} and I 'm 77 months past due. I have not made any payments to   XXXX   XXXX    since the alleged transfer of servicing of the loan in  XXXX   XXXX .  XXXX  contends they are servicing the debt for the   XXXX   XXXX   XXXX   XXXX   XXXX  .     The   XXXX   XXXX   XXXX   XXXX   XXXX   was the purchaser of the property in a foreclosure sale in  XXXX   XXXX  and is the legal title holder of the property. Bank of America,  XXXX  's predecessor claims I owe   XXXX   XXXX   XXXX   XXXX   XXXX   rent as a result of the foreclosure sale. Bank of America and   XXXX   XXXX   is playing a cat and mouse game to harass and defraud me. It 's impossible to be responsible for rent and the debt that was foreclosed. Bank of America and   XXXX   XXXX   ca n't get their lies in sync. I 'm currently litigating with   XXXX   XXXX   XXXX   XXXX   XXXX   and Bank of America in a pending lawsuit since  XXXX   XXXX  for wrongful post-foreclosure eviction, cancel trustee 's deed, recover title to my property, and numerous fraud claims. I 've attached an excerpt from   XXXX   XXXX   XXXX   XXXX   XXXX   's answer asking for rent in  XXXX   XXXX  during the pendency of the lawsuit. I 'm attaching documents to substantiate my claims. I 've filed over 65 CFPB complaints, review my history. The truth does n't change. Bank of America and  XXXX  in their capacities as   XXXX   XXXX   XXXX   XXXX   XXXX   's servicers ca n't get their stories straight. Of course, it 's too much for the big law firms representing these large financial institutions to admit they 're wrong. They would rather conspire with each to commit fraud to right their wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: A while ago I disputed a collection account that appeared from XXXX  ( XXXX XXXX XXXX ) for a debt that was originally from XXXX XXXX. I disputed on the bases on NO Contract, No Validation and it was removed from my report with XXXX, Equifax and XXXX credit bureaus. Over the last week XX/XX/XXXX-XX/XX/XXXX it reappeared on all 3 bureaus again, with no notice or warning. Basically, this alleged debt was removed over a year ago after it was disputed, and then re-added within the last week. No notice from either credit bureau ( XXXX, Equifax or XXXX  ). I called all bureaus and asked that it be removed based on the the fact that it was removed after a previous dispute yielded No Contract or No Validation. I was told that it would not be removed but re disputed and would take up to 30 ( MORE ) days. Meanwhile this Inaccurate, Unverified, Non-Validated, No Contract alleged debt has done significant damage to my personal credit report and credit scores.
Either removed from all 3 credit reporting bureaus ( not able to re-add ) or Legal action filed against all parties involved

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Problems caused by my funds being low

Complaint: I have 2 accounts with Regions Bank with the ability to transfer money between the 2. I made a purchase, accidentally using the wrong account. When I logged onto my account on Tuesday, XXXX, I realized the mistake and saw there was an overdraft fee. I was upset, but I realized it was my error. I did n't immediately transfer money because I was trying to contact the company that authorized the charge. The problem began when I logged in today and saw they had charged a second overdraft fee for the same purchase. When I called customer service, the rep was rude and condescending. He stated that the charge was pending and that caused the first overdraft fee and the second fee was from when it cleared. While I did have another transaction clear earlier in the day, there was enough in the account to cover this. When I asked for the second fee to be removed, he was extremely rude and offered to give me {$18.00} back. That {$18.00} was out of a total of {$72.00}. I was unhappy with this solution and his response was " I 'm not giving you any more money, XXXX XXXX. You can stop. '' I also asked why the measly {$12.00} could n't be taken out of my other account WITH THE SAME BANK and he said that he could n't link the two and I would have to open up a savings account ( which I believe is just a way to force customers into opening MORE accounts with Regions ). This is very frustrating for me, and hard to understand, because my family went through financial troubles a couple of years ago and, at the time, my husband 's name was on my account as well. His account went into default and they managed to seize ALL of the money in our joint account to offset his. It appears this bank has no trouble moving funds when it is for their benefit, but not when a customer makes an innocent mistake over {$12.00}. I 'm disgusted by the way I was treated, offended by the tone of voice he used with me, and most of all, disappointed with the bank I have trusted for many years with my finances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt collector says I owe a phantom bill. XXXX ca n't tell me where bill came from. Bill was nonexistent until XXXX 2014. No one can say when incurred and for what.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your XXXX. in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. 
Account must be deleted from the report as soon as possible : XXXX/XXXX ACCT # XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX/XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act

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 09-08-2015 about Debt collection (I do not know) with Monarch Recovery Holdings, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Ive never done any business with this company so I do n't owe them a dime. If they are in the business of buying " dept ''. that is there problem not mine I only do business with any original debtors. Just like if someone owes me money I ca n't go to the local debt store and say " hey you wan na buy some debt so and so owes me ''? Its ridiculous I wo n't do it I wont deal with it and I will not have anyone harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Auto) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CAPITAL ONE AUTO FINANCE # XXXX Claims I owe them for a car I never signed for. My daughter bought this car and I did not co-sign or sign my name to anything in reguards to that vehicle. It would be impossable for them to produce any paperwork that correctly matches my signature. I am requesting this account to be removed from ALL XXXX reporting agencies A.S.A.P.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Chase bank has charged me extended overdraft fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-10-2016 about Debt collection (Credit card) with Legal Recovery Law Offices, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Daughter was placed as POA for my Father from XXXX. During this time, debt was accrued in my Father 's name by use of his SSN. He was hospitalized during times that funds were misappropriated. Father and I ( son, his current POA ) have already had to go to court with this law office over another debt committed by the Daughter in question. Collection law office employs attorneys who have been disbarred multiple times as well as those who send letters claiming that my father has made requests to obtain balance. All false, concerned, I called in to verify that this was fraud similar to what took place last year. Debt collector was rude, misinformed and disclosed vital information about my father without my or his permission only to let me know we are not being sued. When told we were not being sued, then 'why the harassment ', I asked. To which they responded, unless i have an attorney they recommend we end the call as we have reached an endpass.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loans are managed by FedLoan Servicing and since being transferred to their service I have experienced significant issues - for the past few years I have to annually request a recalculation since they use my household income to calculate my payment, but fail to include in the calculation that both my husband and I have student loans. Additionally, during the last recalculation I requested a forebearance until they recalculated my repayment - they did not apply the forbearance, though they indicated that they had during our phone call, resulting in an unknown missed payment. My payments are direct debit, so I find it odd that I could simply " miss '' a payment ; the mistake could only have been caused by their representative. 

I only just found out about the missed payment from XXXX - they claimed to have sent me emails and mail, which I never received until recently. I save every email from them and responded to the first one- received yesterday- that indicated delinquency. I am a responsible person, I pay my bills, and address issues as they arise. Since my loans were transferred to this company I have experienced significant issues that have resulted in me overpaying on loans due to miscalculation and now an erroneous delinquency on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Home Foreclosed upon in XX/XX/XXXX. Settlement received in XX/XX/XXXX for improper foreclosure. Credit report not reflecting improper foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: dear sir i did respond with a dispute-this is my XXXX complain on caliber home loan -- i did call to XXXX rep on this loan modification and geting deterrent answer-they asking me again and again to send them paper -- -please ask them to tell me in righting what they wont -- going to send them again-spoke on-XX/XX/2016 to id XXXX-on -XX/XX/2016 to id XXXX -- on XX/XX/2016 to id # XXXX also spoke to id # XXXX -- -also on this date spoke to manager XXXX id # XXXX they wont me to send again to them what i already send them -- -- -- -- -- also have a co helping me with all the paper theta they asking co name XXXX-debit management credit consulting i am sending back to them paper theta thy asking -also sent 2 email on the site caliber home loans -- -- on XX/XX/2016 i did send them all what they need, a-3 party send them all the wont to do a loan modification going to send them again -- can they be specific what they wont -please help-than you, please have them send in righting what they wont XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Problems caused by my funds being low

Complaint: I have been a WF customer for over 10 years and all of my issues have always been how transactions are processed. In my most recent incident I was told by a merchant that they needed a card on file but would n't charge my card since I did n't want to pay with that card. However they charged my card anyway causing my account to be out of whack for the 3+ weeks, not to mention a mishap with an incoming direct deposit I had setup. WF after I called and explained repeatedly let merchants attempt to withdraw money that I did n't have out of my account. Which left me with XXXX in overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: Reporting Coinbase - sold my digital currency and placed in my EUR wallet. Followed instructions to send XXXX XXXX payment from XXXX bank account to get it verified and allow me to widthdrawnmy money. They state it takes 2 days after payment clears. That was XX/XX/2017 and my account is still not verified and I ca n't get my money out. I have sent 25 emails, raised 2 support tickets and send I direct XXXX   messages - no response. My case numbers are XXXX and XXXX. If you could please assist me in this it would be much appreciated. I feel like my money has been stolen. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Trouble during payment process

Complaint: CONSUMER FINANCIAL PROTECTION BUREAU CALIBER HOME LOANS, et al.    XXXX   XXXX   XXXX   XXXX   XXXX , OK  XXXX   XXXX  : Payments mis-applied to the Principal of my alleged loan number  XXXX  with them.     Dear Sirs, This is another Qualified Written Request ( QWR ) pursuant to Section  6 o f RESPA (  12 USC 2605 ), for CALIBER HOME LOANS, regarding their alleged loan number :  XXXX , in reply to their   recent letters.     They refuse to answer questions regarding the balance of my loan which according to them is {>= $1,000,000}. I absolutely dispute this amount since I have been making all payments to my original Account Number :  XXXX  with  XXXX   XXXX  since  XXXX , when the original balance was {$310000.00} on  XX/XX/XXXX      They refuse to send me an accurate payment history with all payments applied correctly to Principal as agreed in the contract and Loan Documents. The refuse to send me a signed copy of all loan documents regarding the loan modification.     Please forward this letter to them as soon as possible since we are in the process of disputing all their claims i n Federal Court,  Bankruptcy Number :  XXXX , filed in the Central District of California over 1 year ago now, on   XXXX   XXXX   XXXX   They have also breached the BK by filing a notice of trustee sale on the title of my property on   XXXX   XXXX   XXXX   and are presently in contempt of Court.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a VA home loan with Chase. I had made every payment on time. We got a mandatory job transfer to CA and our child with XXXX needed medical treatment in California. We tried selling and short sale but could n't sell the house. In order to be considered for short sale or deed in lieu, Chase said we could n't be current on the mortgage. Once we went behind on the mortgage and moved. Chase keep transferring our paperwork between departments, losing paperwork, requesting paperwork we had already provided, etc. It took Chase a year and 5 months to finally say it was done. We now found out 3 years later nothing was recorded properly and it was still showing incomplete with the credit reporting agencies. I have been petitioning Chase to try to fix this and got some resolution. Chase now is reporting the Deed in Lieu took a year and reported us as behind the whole time. A law has been passed because of instances like this saying the process needs to be complete within 90 days. I have asked Chase to remove these late payments from my credit report and they refuse and have stated the process can take whatever time they need to complete it. I wish Chase had worked with us without forcing us to go behind in the mortgage and that the process was completed within a reasonable amount of time. Secondarily as I am looking into the laws on a Deed in Lieu it states that the lender can just accept the house in a deed in lieu and that the lender is supposed to negotiate this with the customer. Dealing with Chase was very confusing and they did take money from the VA and the deed to the house. As someone who served our country and is raising a child with a terminal illness I wish this had been more clear and that Chase had not taken my VA entitlement as well. I can provide more details on all of this if needed. This whole situation has been horrible and has affected me negatively much more than it should. Chase has even admitted they messed it up and were even showing incorrectly in some of their records that they had foreclosed on the house. I do n't think they even know what is going on with this account. I am trying to buy a house now in California and these issues are making it impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: I have a tenant that was evicted long story but back rent was ordered to be paid. Left in my mail box was check for XXXX Dollars in the tenants name but endorsed over to me. I was unsure if the check was real. on Wendsday XX/XX/XXXX I went to US Bank XXXX XXXX XXXX XXXX XXXX XXXX for help with this. The teller took a copy of the check and said they would get back to me, they bank never did. I deposited the check in the ATM it was returned. I called customer service who told me to contact branch manager. It took 3 calls ... my calls were never returned in reasonable time finally I called a third time getting a women bank manager.. I did forget to write her name but this was Friday XX/XX/XXXX at XXXX. She told me SHE would not take a third party check. I explained I had no way of contacting my ex tenents but the check was endorsed to me. She was very aloof and did not really seem interested in helping me. I do understand you have to have policies and rules but as my Bank for well over 25 years I feel you should be able to work with your customers and at times make exceptions if you value and want to keep customers or mabe as a huge Bank you do n't care. So I am a single mom XXXX to me is a lot I have no way of cashing this and MY BANK is not willing to help.I feel also that bank manager could use some sensitivity training as stated very aloof and not in my bank ... really her bank? I want the name of a person above her..I am sure it will not help but I strongly feel I should get help with this. Again I do get the policy but lets see if you can work with your long term ... 25 year customers.

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 01/22/2018 about Mortgage (VA mortgage) with TRUHOME SOLUTIONS, LLC (TX).
Issue: Trouble during payment process

Complaint: Mortgage company refuses to disburse insurance proceeds and has been holding onto those proceeds while collection interest on our money. Are they in violation of any Federal Statutes? 

We have a VA backed loan with TruHome Solutions ( the mortgage company ), and they are demanding that we must use a licensed contractor with a signed contract, XXXX, waivers, etc, in order to receive incremental draws from the last $ XXXX check paid out by our flood insurance company. ( The outstanding balance of our home is around $ XXXX and our home is worth pre-flood $ XXXX. ) We have made multiple attempts to reason with them and in agreeing to take the incremental draws with periodic inspections as the work progresses. But they are adamantly refusing. 

Per the Texas Office of the Attorney General, Consumer Protection division, Texas does not require any contractor to be licensed. Nor do we see any provision in our signed deed of trust with the mortgage company that requires any such. In fact, section 11 of that document states in part, regarding Assignment of Miscellaneous Proceeds : If the property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lenders security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lenders satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. 

It appears clear to us that unless there is some other document we signed which states otherwise, TruHome Solutions is in breach of our contract in refusing to quickly inspect the property and release the funds. 

One other potentially noteworthy factor is that we are still displaced and are currently in the FEMA Transitional Housing Assistance program going on some 4+ months now. And while we appreciate the assistance, we would prefer to save FEMA funds and get back into our home ASAP. 

Thanks in advance for your help with this. Let us know if you need any more details.

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