WillisBack/dataset-financial-user-claim huggingface dataset:
Back in XX/XX/XXXX, Chase notified us that our escrow account was about {$2300.00} short and that they were going to spread this amount out over a period of months raising our monthly payment by about {$30.00} per month. I contacted them and asked for an explanation, and the information I got from them did not explain this sudden shortage. I then reviewed the tax bills and homeowner 's insurance costs for the last two or three years and the amounts that we were billed by the tax authority and XXXX XXXX appeared to match the amounts that was being deducted from our mortgage payment each month. This past year the taxes and homeowners insurance were totaled about {$130.00} more than the 12 months of escrow deductions. The deductions were not all the same, but most of them were in the vicinity of {$850.00} out of {$2900.00} monthly payment. 
I would just like a plausible explanation for this shortage. Our X/XX/2017 statement says {$980.00} was paid to escrow. If that amount was paid for 12 months, that would exceed the annual taxes and homeowners insurance by almost {$2000.00}.
In XXXX of XXXX, PNC Bank had a publicly available {$400.00} bonus offer on their website https : //www.pnc.com/en/personal-banking/banking/checking/campaigns/checking-offer-for-PNC-customers.html The offer stated : " Add a checking account to your existing banking relationship with PNC. Open a qualifying checking account ( Virtual Wallet with Performance Select or Performance Select Checking ) online and get {$400.00}. Simply establish a qualifying direct deposit of {$5000.00} or more within first 60 days and make at least one payment with PNC Online Bill Pay. '' Expiration was XXXX/XXXX/XXXX. I followed the instructions and met all the requirements of this offer. I had an existing relationship with PNC ( a saving account opened prior to that ). On XXXX/XXXX/XXXX, I opened a Performance Select Checking account online on PNC website stated above. I made several qualifying direct deposits of more than {$5000.00} within the first 60 days and made several qualifying payments with PNC Online Bill Pay. Recently, in XXXX XXXX, I called PNC to inquire about the status of my bonus and a representative stated that she did not see the promotion on my account. She said that she needed to send an inquiry to their escalation team. Then she asked me to provide her the advertisement of the offer. I can not locate it any longer since the offer is expired on XXXX/XXXX/XXXX and PNC pooled the link with the promotion off the internet. Now I can not prove to PNC that they advertised THEIR publicly available offer on THEIR website.The representative called back and left a voicemail that they refused to add the promotion to my account. To me this is a deceiving practice of the financial institution if they can not honor their own promotion after a customer met all the requirements of it within qualifying period of time. This was not targeted but PUBLICLY AVAILABLE offer and PNC should be able to find the details of it in their database and add it to my account while by some reasons it was not added automatically by their system at the time of my opening the account.
After graduating from my for-profit school XXXX I found it hard to find a job. I called my loan provider XXXX now Navient, and they told me to get a forbearance. I ask them if there was any other ways to help with my loan and I was told no. They told me that I would not have to pay on my loan but interest would still grow. This went on until XXXX and I found out about income base repayment plans. I have been enrolled in that since XXXX. In XXXX I ask about low forgiveness since I work for the XXXX. They told me my loans did not qualify and I would need to re-conciliate my loans and that my prior year payments did not count towards the 10 year forgiveness. I wish they would of let me about income base repayment plan in XXXX and less interest would have grown.
I sign ed into a one year contract ( with my husband ) with a security system company knowing that I was moving in a year. I specifically told the sale sman that. After refusal to give me a copy of the contract and being told I would be emailed it I assumed all was alright.. After a year of having the service and letting the company know that I would be moving, thanking them for their service and that I would not be renewing my contract with them they told me that I had sig ned a 5 yr co ntract initially and that I needed to pay ove r 4,000 to  get out of the contract. They were rude and demanding. They told me to look at the contract and I told them I never received a contract. They then sent me the contract and I saw where the salesman had forged the contract and circled the 5 years part of the contract. I informed them that I never would 've ever signed anything that was over a year and that he forged it after he left the house which is why he did n't leave me a copy. She even said that the salesreps are known for that. The contract was signed on  XXXX / XXXX /  XXXX  . I was contacted  XXXX  that a collection company was trying to collect the  XXXX  and threatening me with a lawsuit and telling me that they would never stop trying to collect. I have tried to get the collection removed from the credit bureaus by disputing the item to no avail. It is keeping me from purchasing a home loan at this point.
XXXX Credit Card is harassing me with collect agency me while I have called them 8 times since XX/XX/2017 to solve my problem because my full payment was n't posted on their end. XXXX store card has transition from XXXX to Capital One bank so they misplace my XXXX statement of XXXX and change. I ca n't retrieve because I had paperless statement with XXXX. However, I knew I had a payment of XXXX and change so I paid XXXX cash at the store and I have the receipt. XX/XX/2017, I have receipt a statement from Capital One that XXXX Credit balance XXXX including late fee and interest charges. I really got frustrated and gave a call to XXXX spoken to XXXX on the XXXX and told me he will put a claim investigation and see if the store can help me with it too. So I went to the store XXXX in XXXX XXXX that is where I made the payment. The manager XXXX on XX/XX/2017 was kind enough to call cs at Capital One credit service of XXXX and have told them about my situation that I have the receipt of the payment. Spoken to Customer Service of XXXX name XXXX she said it may take up 30 days and investigate it I said sure. The store send them the information. I even send out with the previous statement that was due on XX/XX/2017 to Capital One Retail Services, XXXX. XXXX XXXX. 30 days has past I keep calling XXXX all they telling me about it is collect dept etc. Also, in their system they have received the documents but it has gotten lost. It gets me more frustrated cause nobody can help. Seems like they do not know what they are doing, but blame others for there mistake. I spoken to XXXX she gave me a fax number XXXX to fax over to the investigation. I kept on faxing the papers but it constantly busy. I called on the XX/XX/2017 I spoken XXXX she made another claim and gave me another fax XXXX but it is constantly busy. I am tired of this and two I had a credit score of XXXX now it XXXX I am even more frustrated I am done with them I want to get this cleared out and my score back to normal. Plus I went to Capital One Back directly too and they said they do not deal with Retail Stores.
To Whom It May Concern, I attempted to open a business account in XX/XX/XXXX and was declined by several financial institutions. In addition my personal accounts were also shut down after several years of banking by personal banking institution, XXXX, as something from EWS popped up in conjunction with the opening of a business account. 

It was a nightmare, and occurred at what was meant to be a happy time - starting a business. 

I was advised by XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX  XXXX, NC XXXX in XX/XX/XXXX that I needed to clear the item before they would open the account. I disputed the XXXX item ( CFPB ref XXXX ) and it was cleared. 

During this time I was also advised by another financial institution that there was an adverse XXXX  reporting from XXXX  XXXX XXXX. 
I was advised by XXXX  XXXX XXXX - Address : XXXX XXXX XXXX, XXXX, NC XXXX that as long as I paid {$300.00} that " the item would be removed and I should have no issue opening a new account as long as everything else was cleared ''. This was after the branch supervisor/manager reached out to collections/recovery to provide an understanding of what the item was for. I paid the {$300.00} on XX/XX/XXXX and was then able to new accounts with XXXX XXXX XXXX XXXX XXXX. 

My small business has been expanding over the last 5 months and I have a need to work with a larger bank who offers expanded business banking products. I just attempted to open a new business account with XXXX  XXXX XXXX and XXXX XXXX on XX/XX/XXXX and was once again declined. 

This is getting ridiculous at this point. 
1. This nonsense is crippling a small business owner from starting out on the right foot. 
2. The transparency around EWS and banking decisions to close and not open accounts is horrendous. 
3. The lack of consumer knowledge around who and what EWS does is very evident.
Received notice of account closure on XX/XX/2016 from XXXX due to inactivity. Called to inquire and was informed that if new application was submitted and approved the XXXX reward points lost would be reinstated. Card was approved however points were not reinstated. Contacted XXXX at Citibank 's XXXX offices ( direct line XXXX ) who confirmed recorded conversation promising reinstatement of reward points for credit card application. Was informed that decision was made not to reinstate. 
Consider this an unethical sales practice.
XXXX XXXX service : After using a two year service contract for two years and three months, I turned in my two TV signal receiver control boxes and my two hand controllers to the XXXX, Florida XXXX Store- XXXX XXXX XXXX - XXXX XXXX XXXX, Authorized XXXX   Retailer. My account was paid in full, through my XXXX XXXX XXXX direct pay account. After moving to a new location in Florida, I continue to receive billing from XXXX. Up to the amount of {$710.00}. I do not owe the XXXX  any additional money and they will not stop sending statements. We had to have a XXXX  technician come to our house, when the service was quite new, because the picture and auto was very poor in quality. He changed the two TV receiver signal boxes and stated they are the new style and they would or will improve the sound and picture quality. Through out this additional billing situation, someone from XXXX stated they think, by changing the two boxes increased the contract by another year. I would not have ever agreed to that procedure, if that was the case at that time. That technical service call was to repair and increase TV signal and poor service. The two year contract should have been the only contract in agreement.
I am writing to inform you that, this dept is old, and was placed on my credit report two years after I was told that I was charged because, I was still in their data base. I left this company before my premium was due. I was insured by another company before my premium with them expired, and before my policy expired. This dept was a car insurance company that I switch from back in XX/XX/XXXX XXXX XXXX  company is a XXXX affliate same people. This company has reported this debt again with a different amount to transunion. This debt has been removed and placed back on the report using XXXX and a larger balance owed. I did n't here anything from these people until I applied for dental insurance called XXXX back in XX/XX/XXXX representative requested my information and submitted it. The rep. told me that XXXX is with XXXX XXXX about 2 weeks later a collection was on my report. If a person truly owe you would, you wait two or more years to place the item in collections and give it a new date.
The account has been paid by XXXX XXXX XXXX XXXX listed on website and my account Number says I have XXXX balance
I have PNC Virtual Wallet account that include Three account together ( 1 ) Spending, ( 2 ) Reserve, ( 3 ) Growth whenever balance low on SPENDING account they withdraw from RESERVE first then GROWTH, On XX/XX/2018 XXXX XXXX I recieved text message says " On XX/XX/18, PNC transferred {$3.00} from your overdraft protecting account ending in XXXX to your checking account ending in XXXX. '' " On XX/XX/18 PNC transferred {$0.00} from your overdraft protecting account ending in XXXX to your checking account ending in XXXX. '' After i read this message I checked my account on my mobile and that time in SPENDING ( CHECKING ) Balance $ XXXX and RESERVE ( OVERDRAFT PROTECTION A/C ) Balance was {$190.00}. I immediate run to PNC ATM and Deposit CASH {$100.00} around XXXX XXXX  and it should cover my -XXXX-XXXX= $ -XXXX  and rest should cover from my RESERVE ( Balance {$190.00} ) at around XXXX XXXX  I checked balance again and that time PNC bank under " Temporarily Unavailable '' and today XXXX XXXX 'On XX/XX/18, your PNC checking account ending in XXXX was overdrawn. I was acted realtime and made CASH Deposit to ATM that cover my negative $ XXXX at around XXXX XXXX. so I actively acted immediately for my checking account balance bring positive balance. I made More deposit on XX/XX/18 around XXXX XXXX and all my account are positive.
Recieved a check for a refund for XXXX from portfolio recovery associates dated XXXX 2015. Lost the check. Found the check. Called them to have them reissue the check and they are refusing to do so.
We had tried to get a modification on our commercial office building. Ocwen dragged the process on for several months. They turned us down with no explanation given. We were charged a Property Evaluation fee on our Statement dated XX/XX/2018 which we paid. We were also charged a " Professional Fee '' of {$51.00} which we've never been charged before. We paid it not realizing it was there. There is also no amount going to principal on the loan. 
This last statement dated XX/XX/2018 has a Past Due Fee and another Expense Payment Fee/Other Charges of {$100.00} of which we have no idea of what it is since we've never been late. I called Ocwen twice. First, about the two amounts. Second, I called back about there being no principal credited to us. 
Also the amount of of our principal is going down each month. Is that correct?
In XX/XX/2018, I submitted an application for income-driven repayment. I received a reply that this would be placed on hold until closer to the end date of my grace period on XX/XX/2018. My loans were placed on a temporary reduced payment forbearance. It was unclear to me that I first had to pay this amount before the application was processed, but clarified on initial contact to XXXX during a phone call on XX/XX/2018. I paid {$250.00} on XX/XX/2018 per a letter sent to my online account on XX/XX/2018. The account, however, remained with another {$2600.00} owed for that billing cycle in spite of what was written in the letter received XX/XX/2018. I paid this amount to avoid my account going into delinquency on XX/XX/2018. In a subsequent contact by email to XXXX on XX/XX/2018 I raised my concern that my application had not been processed after the initial forbearance payment of {$250.00}, and received a reply that this would only be processed after XX/XX/2018. During this current billing cycle, I now have a bill for {$3100.00}. I can not make payments in this amount in perpetuity, and my funds would allow me to make payments in this amount for only another 2-3 billing cycles including the current cycle.
Discover advertises a XXXX % cashback bonus on all purchases a consumer makes with a Discover card at a gas station. On XXXX, I made a {$46.00} purchase at XXXX with my card ending in XXXX. Discover failed to issue its advertised {$2.00} cashback bonus.
Thank you for reading this complaint. I hope it will suffice to get the judgement removed off my Equifax credit report ( only on this bureau now ). I have been contacting this apartment complex ( XXXX ) off and on since 2011. Trying to get them to remove this judgement, which should not be on my report, and each time a XXXX manager admits they have no records of me living there and can not verify anything, let alone a judgement on me, and to contact the bureaus. I have done that and XXXX and XXXX XXXX have removed this item off my report a long time ago. Equifax has done nothing. 
I am now in the process of buying a new home for my family and this has become Priority 1 in my life. You can not obtain a mortgage with a judgement on your report. 

Please see the attached document and it stands as proof that XXXX XXXX does not have anything on record about me or a judgement. XXXX XXXX, the assistant manager, wrote the attached letter and I made a copy of her business card on the letter. PLEASE contact the apartment if you would like to verify any word of this letter. Since I have proof this can not be verified in any way. I am requesting Equifax delete this from my credit report. The FCRA, according to my understandings, has to delete either accounts that are not yours or unverifiable information. My attachment meets those standards and guidelines. Thank you for your help as this is SOOOOO Important to me and standing in my way of a new home.
You previously offered {$75.00} to resolve the balance for the above-referenced account. In keeping with Midland Credit 's Consumer-First policy, Midland Credit is prepared to accept your offer. Please see Midland Credit 's comprehensive response letter, which is attached for additional information. THIS IS INFO I GOT FROM MIDLAND CREDIT YET HAVE ASKED THEM TO SEND ME IN MAIL SOMETHING STATING THATIF I PAY THE XXXX BUCKS IT WILL COME OFF XXXX XXXX CREDIT. NOTHING HAS EVER COME. WE PUT A CEIST AND DESIST ON THE ACCOUNT AND THEY STILL CONTINUE TO CALL AND HARASS US.
I have explained to these people that my bank account was stolen and whatever money was put into the stolen account was not me. I have tried to reach out to them to work things out and even pay something even though I should n't have to pay. They call me all times doing the day to the point that I can not work. I do n't owe them anything plus I tried to work the issue out with them with no success. I have asked them to stop calling me or any of my family and friends.
In XX/XX/XXXX I purchased a full year digital subscription to XXXX  for the sum of {$360.00}. While I only used it for a few days, I did not dispute my purchase, which was made freely and with full knowledge of the no refund policy. 

In XX/XX/XXXX I attempted to cancel the subscription to ensure I was not charged for a second year. However, I was unable to log into my account while trying to navigate their web page for details, and was unable to contact anyone in customer support via phone, as they do not provide a customer support number or easy way to cancel online. 

This came across as both deceptive and deliberative on the part of the merchant. Being confident in American Express, the credit card I used to charge the purchase, I did not worry too much about getting another charge that wasnt easily contestable. 

In XX/XX/XXXX, I was in fact charged a {$360.00} renewal fee. Upon noticing it on my card a few days later, I disputed the charge with the credit card company. I explained the above info to the customer service agent and submitted the claim, which was denied. I disputed the denial and have been asked, again, to provide documentation of my dispute. I sent the note below, which read in part ... 

" ... It is difficult and deliberately burdensome to contact a representative from merchant to cancel a renewal subscription which I feel is designed to trap you into an unwanted and unused future purchase. I was never notified of a pending renewal by merchant for a large upcoming transaction of {$360.00}, even though they had all of my contact information email and phone number, which I feel was a deliberate attempt to be deceptive and engage in gotcha tactics. It has been nearly a year since I used them in any capacity and certainly not at all since they renewed my subscription in what they deceptively describe as my convenience. A brief internet search demonstrates that this is a major concern for customers of this merchant and others feel equally deceived. 
In light of these four facts, it is my belief that while their actions may not have been illegal, they were certainly deceptive and unethical. Those two reasons should prompt American Express to side with the consumer instead of the merchant, and honor a refund of my unsolicited purchase. 

American Express originally refunded my charge based on my note, but later reversed the decision, again, in favor of XXXX
I bought a car XX/XX/XXXX. By XX/XX/XXXX same month. Car was totalled out. Insurance paid XXXX. In full. They even took XXXX from my service contract. In which I was suppose d to get all of that. They told insurance company car paid off. I have all insurance paperwork. It was never on my credit report until XX/XX/XXXX. 3 years later. They have turned collection over to ncb management services and they say I owe XXXX. Bull. They were paid in full. I do t owe anything.
Bank of America performed an unauthorized hard credit inquiry on XXXX/XXXX/XXXX.
This is the 2nd complaint I have had to file against Westlake. I had an auto loan with their office that went into default. This account was included in a Chapter XXXX bankruptcy, that was discharged in XX/XX/2016. Despite that, Westlake continues to report this account as an active collection account, and stating that I still have a liability with their company for $ XXXX+. This account should be updated to show as " resolved through bankruptcy '', and the amount owed should report a {$0.00} liability. What they continue to report is a violation of federal bankruptcy law.
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, 2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and the CREDIT BUREAUS a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.