milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/25/2015 about Mortgage (Conventional fixed mortgage) with Southwest Business Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I had an issue last year where hail damaged occurred. I filed a claim with my insurance, and they issued me my first check. They made the check out to myself and SWBC. 
I sent this into SWBC for endorsements, and was asked to file numerous paperwork. I did that, and they issued me a check for the half of the insurance payment, made out to my roofing company, and myself. However, due to the length that it took them to process the check, I had to switch roofing companies, in order for the repair to be completed in time. 
I reached out to SWBC and told them I needed to have the check re-issued to myself, and I would pay for the roof repair out of pocket. I had to send in more paperwork in order for that to be done. I did, and they told me they would issue the check just to me. I continued with the repair ( paying for it all out of my pocket, since their process was taking forever ), and their inspector came out to approve. 
They sent me the XXXX half of the XXXX insurance payment, and endorsed the check for the XXXX insurance payment. However, I never received the re-issued check for the first insurance payment. 
I called them, and they told me my account was closed, and the check had been sent months prior. When I told them I never received it, they asked me to send in the check ( issued to myself and roofing company # XXXX ), and they would send me another check. They did n't however, only endorsed the check ( which made no sense ) and sent it back. I have sent the check back again, and they are now telling me I need more paperwork in order to get my money back ( which I do n't understand when the account was supposedly closed out ). I have asked to speak to a supervisor with none available. I still am out the {$3600.00} that I have already paid to my roofing company, and it has been 2 months. I keep getting the run around from SWBC on what it 's going to take to get this money paid to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Consumer Loan (Vehicle lease) with VW Credit (VA).
Issue: Managing the loan or lease

Complaint: Volkswagen credit sent me a {$0.00} balance statement from my payoff of my lease XX/XX/XXXX. In that statement in shows that all Residual Value, Fees, Taxes, Scheduled Payments, Rent Charges are included and they gave me a payoff amount of {$26000.00}. I remitted that amount and they sent me my title. 

XX/XX/XXXX or XX/XX/XXXX VW Credit started sending letters asking for an additional {$540.00} for property tax that they say they paid XXXX. I provided the documentation of the final billing statement and the title that was issued and asked for some documentation of the property taxes. I especially pointed out that if they are claiming that the property taxes were paid XX/XX/XXXX, they certainly should have been on the statement that I received on XX/XX/XXXX or shown as possible charges on that statement. VW Credit has refused to provide any documentation showing an error whereby they did n't include the taxes, nor have they provided any documentation that they actually paid the tax. When I go to the City of XXXX to see the documents I ca n't get access to everything because I was n't the owner of the car when that bill was allegedly paid. So, I have nothing to go on. Further, when I have shared this with VW Credit, they have twice threatened to send me to a collections agency if I do n't pay their demand for {$540.00} - even though they refuse now to provide any documentation of the bill. 

I feel I am being harassed and threatened and according to XXXX at VW Credit ( ext. XXXX ) there are a bunch of consumers who are being harassed in the same way without documentation of taxes paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/17/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from XXXX bank about my amazon acct stating this is an attempt to collect a debt. Called the number on the letter and it is Portfolio Recovery who I already paid the debt off to in XXXX on the XXXX acct. They reposted the same debt on my credit report and are trying to collect the same debt from me twice under a different name. I reported this to the credit bureaus all but XXXX will not take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Deed for my property XXXX XXXX XXXX, XXXX, VA XXXX ( property ID XXXX ) received on XX/XX/XXXX ( XXXX XXXX XXXX Equal Housing Lender NMLS ID XXXX Home Lending Officer-XXXX Virginia. XXXX, VA US effective XX/XX/XXXX. No escrow/financing is available for XXXX XXXX XXXX ). Deed for ownership of The Estate at XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX ( property ID XXXX ) Deed for price points earned with XXXX ( Product Development ) through XXXX. I have decided to use the third-party clearing agency, XXXX XXXX due to life insurance policies being used as collateral by XXXX XXXX XXXX. I would like to issue a lien for her estate in XXXX, VA until a payment is made. I would like to report an {$300.00} penalty for unauthorized use of deed. This document is for official business use only. I would like to associate the IRS link from XX/XX/XXXX with this document ( https : //www.irs.gov/businesses/small-businesses-self-employed/understanding-a-federal-tax-lien ). This link also traces to the First Quarter Income for XXXX dated XX/XX/XXXX in the amount of {$200.00} XXXX. My mortgage with XXXX XXXX has been overmodified. The reconciliations have been made. Please reference the IRS judgments issued on SEC report XXXX dated XX/XX/XXXX and the attached document of VHDA penalties for XXXX XXXX. I would like to adjust the judgments for XXXX XXXX, XXXX XXXX, and XXXX XXXX. All three parties will be responsible for a judgment in the amount of {$83000.00} that totals {$250000.00} for life securities fraud. Each party will be responsible for a yearly payment of {$2300.00} for the next three years. The payments are to be made monthly in the amount of {$190.00}. XXXX XXXX 's total judgment is a {$1.00} XXXX payment for the next three years. She is responsible for a yearly payment of {$500000.00} for the next two years. Payments are to be made monthly in the amount of {$41000.00}. XXXX XXXX is responsible for quarterly payments in the amount of {$560000.00} to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX and XXXX XXXX ) until the {$3.00} XXXX balance is paid in full. All other judgments are as imposed. A quarterly audit will be imposed on XX/XX/XXXX.  There should be a discharge for all properties effective XX/XX/XXXX. There should be no lien on my properties. Insurance for all properties and entities are covered through XXXX XXXX. An amount of {$34000.00} should be left after closing costs that were computed and sent to the FDIC yesterday upon appraisal of my property XXXX XXXX XXXX, XXXX, VA 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 08/17/2017 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: XXXX XXXX 2017 I 've paid them so far {$200.00} they said they are collecting for XXXX XXXX and they attach a XXXX. 
This person I 've been speaking to XXXX XXXX Account Manager XXXX XXXX XXXX XXXX & XXXX XXXX ext XXXX XXXX direct line XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I was the holder of three business accounts with SunTrust Bank until today,XX/XX/XXXX2017. I was approached by a person purporting to be XXXX XXXX of XXXX XXXX XXXX, a XXXX-based shipbuilding concern. XXXX XXXX sent a cashiers ' check that I was to hold in escrow as the broker of a transaction. Another party to the transaction called me and informed me that the check was fraudulent. I reported the fraud immediately to the FBI, the Federal Reserve Board, the FDIC, and SunTrust Bank. The check never cleared nor was it credited to my account. On XX/XX/XXXX, 2017, SunTrust acted to close all three of my accounts with them and seized all of my money and my clients ' money. I reported this to five different departments and agents of SunTrust, all of whom informed me there was nothing I could do to recover my legitimate assets and my clients ' escrow funds. To reiterate, the fraudulent check never cleared, nor was any sum forwarded to my accounts. I reported the fraud promptly, yet SunTrust still chose to confiscate all of my assets. As a result, I will likely be sued by my clients, lose my business, lose my home, and possible be indicted for mismanagement of client funds, all caused directly and proximately by SunTrust 's theft of my assets. If there is any recourse that I can pursue, I would love to learn about it, because I have lost everything I have, as have my clients. The money contained within my accounts had nothing whatsoever to do with the fraudulent check, nor is any of that money the property of SunTrust Bank. 
If I can not resolve this issue immediately, I will lose my home, my business, and everything I own. Please help me.

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 03/16/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a few things on my credit that is NOT mine. I am a healthy male that has not nor need to goto the doctor so these hospital bills are NOT mine!

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/XXXX, Suntrust overdrew an account on which I had declined overdraft protection. The overdraft was caused by a hold being removed and then recharged. Suntrust reworked the order in which charges were approved to find a backdoor way of charging me an overdraft fee ; they reapplied 2 charges against my balance so that the charge which took me over was an ACH charge. I believe this is a systematic scam by Suntrust ( on top of the bank being generally deceptive about overdraft protection ) to punish customers who have declined their ridiculous overdraft protection. 
I gave Suntrust three separate opportunities to reverse their fraudulent charge and they have yet to do so. 
Beyond the horrendous customer service standard this incident portrays, I believe Suntrust is actively engaging in fraudulent activities which target low-balance bank accounts as well as customers who refuse their so-called overdraft protection.

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 06/28/2016 about Debt collection (I do not know) with CONTRACT CALLERS INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This usurper company has been harassing me about a debt that I do not owe. They keep calling and after I give them my name and date of birth, will not give me full disclosure and did not read to me the mini miranda as required through the FDCPA for the state or federal. They have obtain my private information without my express consent or authorized signature and are scaring me

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 08/27/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX 2013 I became the victim of identity theft. One of the accounts is from XXXX in XXXX, IL. I have successfully remove all fraudulent accounts and addresses from all credit reports by repeatedly providing a police report, signed affidavit and supporting documentation, including a history of events and fraudulent account disputes and resolutions. However, equifax has been notified several times of my identity theft and this specific fraudulent account. I did n't even receive confirmation of my first notice of fraud to equifax. It was only after my second fax of documentation that equifax acknowledged my dispute. It took several notices of fraudulent addresses for equifax to remove those, and they have now refused to remove this particular account from XXXX. XXXX, XXXX, XXXX XXXX XXXX, and several other fraud investigators have been very responsive and accurate. This problem is particular to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (TX).
Issue: Application, originator, mortgage broker

Complaint: I applied for a loan on line with Amerisave Mortgage. Filled out the application was approved and lock in a 3.25 %. Immediately I was called asking for my credit card to order an appraisal on my property giving me a false sense of security..I was asking for a load of {$110.00}. My house was appraised for $ XXXX.Credit was excellent, had liquid XXXX almost a million dollars. For 2 1/2 months asked for documents after documents no end going back 3 years. This was extreme. My primary residence was XXXX XXXX and I had another address where my office was located. My immediate family lives with me at the XXXX XXXX address which is my primary residence..I feel that when I sent the XXXX packet of documents with XXXX addresses it should have been flagged and stoppedright there, and not continue on and on asking more and more document. Why did they continue for another month or so and requiring more documents. They were fined heavily by CFPB for deceptive and abusive practices. I 'm out {$400.00} for the appraisal which can not be used by any mortgage company. XXXX have been done just like I have. I want nothing to do with this company. I want my {$400.00}. back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (MD).
Issue: Managing the loan or lease

Complaint: I purchased a XX/XX/XXXX Nissan Sentra in XX/XX/XXXX for XXXX dollars. My down payment was {$1500.00}. My payment was XXXX. My car was totaled in XXXX XXXX. I paid {$8400.00}. I still owed XXXX. The interest rate is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I recently saw on my credit report that I owe XXXX XXXX XXXX XXXX {$1200.00} for medical bills. However I received a letter from Phoenix Financial Services LLC on XX/XX/XXXX saying I owe {$1200.00} to XXXX XXXX XXXX XXXX. I did an investigation and found out that the original creditor is XXXX XXXX XXXX XXXX which is Located in XXXX XXXX, Louisiana. The letter also states that the date I use the facility was XX/XX/XXXX. I have n't been to that facility and I had a full coverage insurance because of my XXXX that 's from XXXX. Also to add I was receiving calls from one of those company and I did explain to them that I did n't owe any money to them and if I do they should send it to my insurance company but they wanted me to do a payment plan and pay out of pocket.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage and bank are both Wells Fargo. Every two weeks, they automatically reach into my main account and pull half the payment for the mortgage. This is fine. I also pay extra. Sometimes every week, sometimes not. It varies how much I can pay. Recently, it 's been {$100.00} dollars every week with billpay that goes to the mortgage. Most of the time it is applied to the principle, that I can tell. I had some extra money that I chose to pay into mortgage, {$1000.00} dollars. When I transferred it, the money just sat in the mortgage account, but not applied to the principle. About a week later I called them to ask why. They said that it went into a " suspense '' account because it was n't enough for whole payment. But, they already have whole payments when they pull them out. This was supposed to go to principle. They said they would shift it around, but they did n't do it right. Several hundred dollars off of that XXXX did n't make it into the principle. I called a few days later, and they said they would try everything again. 

I requested an audit on my mortgage from the beginning of the loan, 4 and a half years, to verify that all payments are going where they are supposed to go. They wo n't do that. They only say that they have now " re-coded '' my loan so that any future extra payments will now go to the principle. They 've been taking their share automatically since the beginning of the mortgage. Why was n't it " coded '' that way from the beginning. 

I suspect that WFB has been cheating me from the beginning.

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 03-09-2017 about Credit reporting () with Midwest Recovery Systems (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a XXXX charge in collections on my credit report that is not mine. I have tried to call the company several times and get a voice mail were I have let numerous messages with no response. I would like this removed from my credit report which is affecting my score. I have never gotten any bills or documentation of this charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (Reverse mortgage) with Shellpoint Partners, LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Ongoing collections calls for an XXXX XXXX who is NOT at our address. We have called Shell Point Mortgage XXXX. Resurgent XXXX numerous times, told them that they have the wrong party and wrong telephone number. They ignore our complaints and continue to call us with their collection calls. We are ages XXXX, have NO debt, and do not want these calls to continue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PNC Bank N.A. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I became behind in my home equity payments due to an emergency health care issue with my husband. On XXXX/XXXX/14 he had emergency XXXX XXXX XXXX. He was the only one working in our household at that time and he did not have temporary XXXX from his workplace, therefore we had no income. I got a job in XX/XX/XXXX making {$350.00} a month, while continuing to look for employment. All our bills subsequently were late due to lack of income. I applied for assistance from the State and our Church, but was denied monetary assistance. I contacted every creditor to let them know our situation. 

I tried to get help for a loan modification and by the time the department finally got back with me, I had a full time job and my husband went back to work. This process took 3 1/2 months. 

I have been working hard to catch up on all the past due bills now that my husband and I are back to work. I have been making payments on every payday to catch up. PNC continually calls me three to 4 times daily on my cell phone. I am not allowed to accept calls at work. They also call my husband while he is at work, and he is not allowed to accept calls. They never leave a message, but call three to four times daily, even though I have explained the circumstances to multiple callers several times and have made weekly payments in an attempt to catch up with the bill. We have over XXXX in medical bills due to this circumstance, so we are trying our best to pay everyone. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: From direct deposits being rejected to having the account closed unexpectedly ( customer security intake rep was extremely rude ) to waiting since XXXX XXXX, 2017 to receive a check for what was left in the account, it has been a nightmare and I could never recommend capital one bank to anyone, based upon my own experience. I 've also left several messages for the customer security intake team since XXXX XXXX to find out why my check has n't arrived. I 've yet to receive a call back. I had to speak with a supervisor just for her to tell me that a check was n't sent out until XXXX XXXX. I finally received the check on XXXX XXXX and dated XXXX XXXX. The check also indicates that, I requested closure of the account which is a complete fallacy. I was never told why my account was closed.
Fast forward to today, XXXX XXXX and I am having trouble cashing the check. I just left another voicemail for the security intake because the representative in customer service says that they are the only department that can verify funds. The XXXX XXXX XXXX will not cash the check because they say Capital One has a history of returned checks and that they could n't get anyone on the phone to verify the funds.

Company response to consumer: Closed with explanation