WillisBack/dataset-financial-user-claim huggingface dataset:
I tried to get a refinance home loan from Royal United Mortgage XX/XX/XXXX. It was a VA refinance home loan. There was a problem with the VA that I did not know about. XXXX XXXX was the guy I was working with. He called me told me about the problem. I was scheduled for an appraisal that day. I asked him if he had cancelled the appraisal he said he did. They showed up at my house. I had them do the appraisal because XXXX XXXX told me he could get me another refinance loan. I called him after the appraisal was completed told him it had been done so we could go forward. He never returned my call or my text messages. When he first called me that day he talked nasty to me and told me that it was about time I finally remembered I should have told him earlier. I told him the only I remembered was the date he had given me I did not know about the problem with the VA. He has never returned my calls or text messages to help me get another refinance. I am out {$400.00} to these people. I got my home refinanced somewhere else I had to pay for another appraisal. These people will not return my calls or texts or emails. I also emailed the headquarters in XXXX. This guy is in Illinois. My credit score is XXXX. When XXXX emailed me the paperwork from the VA I called them was told I owed about {$23000.00}. But I could get a VA loan if I wanted more money. I do n't want to do that. Continued to try to contact XXXX XXXX and Royal United Mortgage headquarters. No answer. These people owe me {$400.00}. Was wondering if you could please help me XXXX XXXX XXXX XXXX.
Midland Credit Management has been harassing my son ( who is in college ) and myself for the past 3 months by calling us with various telephone numbers. They contacted my son again on yesterday, while he was in class, stating that it is an absolute emergency and urgency that I be reached because I could be in danger. They never acknowledged what the problem was about. Seemed like the perfect scam to solicit funds by fast talking and creating fear of a relative. 

Yesterday, my son called and gave me one of the numbers. They were trying to solicit my personal debit/card information and were n't professional at all. They had foreign accents and had practiced exactly what to say for any occasion. Once, I made it plain that they would n't ever receive my personal information they wanted to know why? They said the following : ( 1 ) We need your personal debit card or credit card information for a debit. 
( 2 ) Why wo n't you give us your information? This is n't a scam. It really is n't. 
( 3 ) We have been contacting your son ( 4 ) We just need to keep you on the phone a little longer because we want to talk to you. 
( 5 ) I 've sent you two emails and it shows that you 've received them both. Have you gotten them yet? Stay on the line until you have received them. 

I never received the emails and I hung up! They have called again today and I have blocked the number. I am really wondering if this company was sold my personal information from another company? How would they be able to receive my personal cell phone numbers of my family members? I want the calls to stop because I feel that my personal life has been violated and anything that you can do to help will be greatly appreciated. 

Thank you
debt is not from original creditor and is several years old. i received no notification, mail or phone, until served on XXXX/XXXX/15, stating i have 20 days to respond. papers served were dated XXXX/XXXX/15.
The original bank is XXXX XXXX Bank. The account went into a collection agency named Midland Funding LLC, and then it was sold to Midland Credit Management. Long story short, the account was closed and forgiving and are not collecting money from me because of financial hardship. As of XXXX XXXX, XXXX XXXX Bank is reporting my account negatively. 

Thank you
I deposited a check # XXXX for {$4000.00} XXXX to a XXXX account in XXXX WI. Funds to cover the check was placed in my account 4 days prior to the date the check # XXXX was to be credited to the account in XXXX WI.However Chase bank did not release the funds on XXXX XXXX information given by the teller. Instead Chase released the funds on XXXX XXXX Wednesday, a day after.. Because of this delay to release the funds Chase charged me US $ XXXX.for insufficient funds fee and the bank in XXXX WI. also charged XXXX for insufficient funds fee. I want chase Bank to return the fee to my account and to pay back the fee charged by XXXX XXXX in XXXX WI.
I paid XXXX on my acct to Prestige Financial 7 days ago to make up the difference in the amount that car max agreed to buy my car. I spend all day speaking with a XXXX 3 days later because my acct had not been updated in regards to an accurate payoff amount. The XXXX had already been drafted from my acct and the payment reflected on Prestige 's website but still the payoff was wrong. I was forced to have XXXX sell me my car back. They could finish buying my car without an accurate payoff amount. The XXXX stated everything would be updated 2 days later, which would have been Friday. I checked Friday and it still had not been updated. I tried calling Prestige but their phones were down once again. I also sent several emails with no response. Please help. I just buries my Mother a month ago and dealing with this is just extra stress.
this correspondence is reference to predatory lending, I hired a legal firm XXXX XXXX to represent me with current mortgage lender ( PennyMac ) .The loan didn't get modified I paid the firm $ XXXX monthy. My name has been removed off the title and in foreclosure.
I 'm currently serving overseas and I have used Western Union since 2007. I 'm now being subjected to constant stoppage of my transfers by western union and told it 's because I 'm a long time customer. I 'm made to wait on the phone for up to thirty minutes or I 'm disconnected and have to go through the same frustrating procedures over and over again. Why does WU treat their loyal customers that way? especially it 's military customers who are overseas and have to rely on WU to get money promptly to their families? It is very frustrating to have this stoppage every time I try to send money to my family members.
This a new complaint to dispute inaccurate information provided by Carrington Mortgage Services, LLC. to the CFPB for my previous complaint.  Case  #  XXXX .     Please review the attached document for more information
Since XXXX XXXX, XXXX i entered into a fully executed contract and signed loan estimate with XXXXXXXX XXXX for a XXXX in XXXX, NY. Nearly 5 months later and i have n't heard a potential closing date. 

This delay has been inexplicable, costly and highly stressful to me, as the buyer, my family, my lawyer and even the seller. I 've made multiple attempts to move this application forward, but obtaining answers from the bank staff is very slow ( usual response is 10+ days ). In the last couple of months, most of my emails and calls to the bank rep have gone unanswered. 

My own research helped me understand the merger with XXXX XXXX XXXX and the transition of its residential mortgage lending, i 'm sure this is at the source of the delays with my loan. This bank 's internal turmoil on its residential mortgage is reflected in the unclear/repetitive document requests and lack of communication among bankers, loan officer, underwriter and bank attorney working with the same loan ( items have been requested more than once, an Addendum to the Contract was requested by underwriter on XXXX/XXXX/XXXX, 3 months after the contract was received, which leads me to believe improper review of my case ) at this point the appraisal expired and a re-certificate fee is being assess. 

My experience, demonstrates that Sterling is far from performing as a top regional bank in New York. My financial situation is more or less the same since i enrolled in the XXXX in XXXX, i demand an immediate resolution on this loan.
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX California XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX Balance : $ XXXX : XXXX DOB : XX/XX/XXXX To Whom It May Concern : XXXX XXXX XXXX I would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/XXXX ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 


XXXX XXXX XXXX, XXXX Without Prejudice UCC 1-308 )
Please note : this is a revised complaint, not a duplicate. Do not delete or close. The credit card company objected in their response to the original complaint that I permitted my spouse to view the correspondence. Chase deemed him an " unauthorized third party. '' While that is not true, I am amending the complaint to remove him from the notifications so that the investigation can proceed. 

Dear Sir or Madam : I am writing to report fraudulent credit card activity involving multiple charges to XXXX XXXX on two separate credit cards. This scam has been reported on the Internet since at least XX/XX/XXXX ( do a XXXX search for XXXX XXXX XXXX XXXX CA ). My concern is that this scam represents a major and ongoing fraudulent source of revenue to XXXX XXXX, and a continuing threat to consumers. On XX/XX/XXXX, the first fraudulent charge appeared in the amount of {$7.00} to XXXX XXXX XXXX XXXX CA on my XXXX XXXX XXXX , which was associated with my XXXX account. I disputed the charge with XXXX ; XXXX required that I close and reopen my account with a new card number. I opened a new Chase XXXX and associated it with my XXXX account, replacing the XXXX card. I am the only authorized user. In the first month, new fraudulent charges appeared in the amounts of {$22.00} on XX/XX/XXXX and {$12.00} on XX/XX/XXXX. Again, these charges were listed as XXXX XXXX XXXX XXXX CA. A further charge for {$12.00} appeared on XX/XX/XXXX. Upon contacting Chase for assistance, I had to close and reopen the Chase XXXX card. Be assured that I did NOT provide the latest credit card information to XXXX. When I contacted XXXX by email, I received a major run-around, consisting of multiple rounds of correspondence and escalation to a senior representative. XXXX would not send copies of the charges nor disclose to whom they pertained, citing privacy rules. XXXX did not volunteer the information that this scam is well-publicized and has been going on for years. The representative stated that the charges were incurred by someone in my household, which is impossible. I am the only user. I checked my own purchase history on the XXXX app. It showed only the normal recurring charge of {$0.00} per month for XXXX storage. How then was XXXX aware of the fraudulent charges? Ultimately, I was refunded for three charges of {$12.00} each. I am still waiting for a refund of {$22.00}. I checked my credit report online. There is no evidence to suggest identity theft. Again, I am concerned that untold amounts of money may be flowing to scammers via XXXX XXXX. The new generation that now uses its credit and debit cards for every trivial transaction will have a difficult time identifying fraud that involves a trusted vendor such as XXXX. Please investigate. I will furnish original emails between myself and XXXX, XXXX upon request.
On or around   XXXX   XXXX   on Friday the  XXXX  of  XXXX , I called  TD bank a nd I was assisted by a lady name  XXXX   XXXX  which claim herself to be  one  of the branch managers at the location at  XXXX   XXXX  in  XXXX  Ma. I spoke with this lady for abou t 20 minutes tryi ng to resolve an issue I had with my account. In our conversation we had, I explained to her that the  two over d raft fees assessed to my account were a fraud because I had enough money to cover those expenses . First, she lied to me stating that were no fees assessed to my account and when I confronted her three times that the fees were cleared there, she put me on hold for about 5 minutes because she need it to jump into a different computer she said '' after being on hold for about 5 minutes, she came back on the phone and she said that she was able to see the fees I was talking abo ut, but those fees were accurate according to her judgement. I insisted that my account was positive and when those charges coming, I had enough money to cover them. After that, she went on to say that that was the way the bank makes money from customer by tackle them over draft and return checks fees. I continue arguing with miss  XXXX  and told her that what they were doing was a fraud by stealing money from customers. she went on to say that she needed to call her regional managers and she will call me back with an answer. I waited a week for her response, but she never did. It is clear to me that it comes to customer 's satisfaction, she has the minimum experienced to take care customers. I also explained to her that when I opened my account, I signed in to be opt - in meaning they can pay an item even if I do n't have enough fund to cover and I will be assessed {$35.00} dollars over draft fees which I complied with that. But the reality was different with TD bank. Despite the fact, I signed in to be opt-in, they refuse to pay or they chose what to pay just to make money from the customers. For example : I programed a payment and there were not enough funds to cover, they paid it, and then, they pull the money back again so they can have charged me a return check fee over and over again cause the merchant summited the payment 3 times and the 3 times was rejected so they can charge me 3 times return check fees. But also, the merchant charge  me 3 return checks fees because of TD bank actions by not allowing to pay the item. If they would have to pay the item in  the first try, there would have not been so many returns checks fees assessed from both parties. So far, there has been at least  XXXX   XXXX  dollars return checks fees assessed from TD bank fraudulent. I am demanding td bank to return me all the return checks fees that were assessed to my account and to comply with what I singed in to opt -in and they refused to do it.
I had reported a theft with my former bank account and it was identified that 4 people had deposited 4 checks into a XXXX XXXX  account ( totaling {$40000.00} ) that were written from my account. The Bank Account I had at the time was XXXX XXXX  ; I steadfastly worked with them including affidavits of theft and XXXX Police reports were filled at the time last year. Recently, I learned I was denied for housing due to these reports within my consumers report which I was cleared of such last year. Now, almost a year later, I have a major issue obtaining housing. It seems that victimization of these checks still reside, when they are not to be listed, this false reporting was to be corrected when I submitted these reports last year.
I paid off my student loan on XX/XX/XXXX in full. There was an {$630.00} overage. I told AES about it. They stated it would be returned by mail ( check ) within 30days. I have no received anything yet and every week I e-mail them asking. All the say is that I am owed {$630.00} and it will come approximately 30days from when I paid my loan in full. It has been almost two months and they are not refunding my money.
Lady from Dynamic Recovery Solutions left a message to call her at the XXXX # concerning the debt collection against me. I do not have any collections against me. I have an " excellent " credit score which I checked 1 day ago. I did not nor ever will call back. They do not ask for anyone by name. In the past, I have gotten a very similar message, but I can not verify if it was the same #. Because of the nature of the call, I believe they were trying to sell something, or lying.
I disconnected my services with XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX but they continued to charge me for service up to XXXX/XXXX/XXXX. When I tried to resolve it with them they said they have turned me over to a collection agency. The agency asked that I email them a letter of explanation and copies of the bills in question and I did. They said they would send me an email in 30 days with what XXXX said and their decision but did not think I would owe that. They never sent any email response and after 30 days they started calling again requestng the total disputed amount. When I asked for the email response from XXXX they did not know about any email I had sent or that I was told to expect an email response, and instead continued to persist on paying them. They then threatened me that if you do n't pay today they would send it to the credit agency and it would act against my credit rating. 
This is an illegitimate charge. XXXX wo n't respond to my dispute and the collection agency wants me to pay or will hurt my credit rating and continue to harass me for payment. Please help secure a response from XXXX why they think it is legitimate to hold me responsible for paying them for services after my disconnection! 
Thanks
I have an auto loan with Santander Consumer USA. I have a XX/XX/XXXX XXXX XXXX I made and it was taken out on XX/XX/XXXX ( I Have my proof to show that a payment was made ) However they saying the las payment was posted on XXXX XXXX. A really nice rep helped me out and informed me that it was thier mistake because they applied it to the wrong account. Now it seems like I 'm paying for thier mistake and no one is contacting me back and to make matters worst they reported it late to the credit bureau. I 'm asking if someone can please call my asap in regards to this manner.
I received an application from American Express promising XXXX point upon spending {$1000.00}. I called them after meeting the requirements and they say i do n't qualify
On XX/XX/2018 I deposited a business check accidentally into my checking account. This was a cashier check. Santander credited me the funds but two days later noticed the mistake and took the funds out. Since then I have been trying to get them to return the funds. I was told to wait 30 days and they will mail me a check. Didn't happen. I was told wait longer and they will be returning the check back to XXXX XXXX ( issuing bank ) via ACH didn't happen. I contacted the OCC to file a complaint. At that point someone from their executive office contacted me and told me that they spoke with XXXX and will mailing them a check payble to XXXX XXXX and that XXXX then has to deposit the check and credit their customer who purchased the cashiers check. They have attempted to do this 2 times now. Both unsuccessful and XXXX has confirmed to me and to their customer that they do not handle such transactions in other words they do not have any department that will do this since they cashed the check. 

The person who purcahsed the check has been in contact with their local branch over this time their branch has told them that Santander can mail the check directly to the brach and they can take care of it from there. Santander refuses to do this they continue to hold these funds. I need this issue resolved already its been 6 months!
What happened is there was a authorize on my account & the Merchant release it next thing I know you people at American Express are telling me I need to wait an additional 8 more days after it was released by The Merchant I personally feel you guys are con artists the most rudest XXXX that I have ever had to deal with in my life
I filed for bankruptcy in XX/XX/XXXX because of legal debts my son incurred that I signed legal responsibility for. The attorney filed a summary judgment against my son for the debt. However I signed all contracts for responsibility of the payment. We received a judgment after notification of bankruptcy on XX/XX/XXXX. The attorneys fees were included in the bankruptcy filing. I contacted the collection agency and was told they are my sons bills. This is difficult to comprehend because the attorneys fees were again included in the bankruptcy. I need help with this collection agency trying to collect from XXXX parties when I signed all documents. I have a letter from the attorney dated XX/XX/XXXX that the bills are my responsibility.
RE : XXXXXXXX XXXX Account XXXX I, XXXX XXXX XXXX, have a joint checking account with my son, XXXX XXXX XXXX, at XXXXXXXX XXXX. We do not use online banking. I opened my checking statement ( dated XX/XX/XXXX - XX/XX/XXXX ) when it arrived in the mail on XX/XX/XXXX. I noticed there were 11 Paypal withdrawals totaling {$5800.00}. Neither XXXX nor I authorized any of the transactions. In fact, I do not even have a Paypal account. I immediately called the XXXX Fraud Department to alert them to the problem. They placed a restriction on the account. I went to my local branch, ( XXXX XXXX XXXX, XXXX, NY ) the following day, XX/XX/XXXX and spoke with XXXX XXXX. She reviewed the account and noticed an additional {$3900.00} in Paypal withdrawals since the last statement. She also noticed there were three Paypal transactions starting in XX/XX/XXXX ( totalling {$240.00}XXXX XXXX  ) She transferred the remaining balance in the compromised account into another account. I filed a claim with XXXX for reimbursement. XXXX claims they are not responsible for the {$9100.00} since I did not report the incident when it first happened in XX/XX/XXXX. I thought my son had made those transactions ; the sum was small and I did not question it. However, I did immediately question the withdrawal of {$5800.00} when I received my statement on XX/XX/XXXX. I reported the incident to the XXXX XXXX Precinct. 

I also discussed this situation with Paypal. Someone named XXXX XXXX, whom we do not know, created a Paypal account and somehow linked it directly to our checking account. I do not have a Paypal account. We were drained of {$9100.00}. I have spoken with both XXXX and Paypal Fraud departments several times over the past three weeks. I was under the impression Paypal was going to return the money to XXXX. Today, Paypal said they are not responsible. XXXX said they are not responsible. We placed our money in XXXXXXXX XXXX thinking it was safe. Please help me understand how someone who is not an authorized user of my checking account, can open a Paypal account, link it to my checking account and steal {$9100.00}. XXXXXXXX XXXX never alerted me that XXXX XXXX was now a user of my bank account. The fraudulent name does not appear on any of my bank statements. Paypal did not alert me that an account was linked to my bank account. I request the money be refunded to my account.
Due to extended illness and hospitalization duringXX/XX/XXXX, I missed the payment. In XX/XX/XXXX, I contacted Citi to get back on track. I paid {$37.00} on XX/XX/XXXX, and {$37.00} on XX/XX/XXXX. I was informed that my next payment was {$28.00}. 

I thought all was well until I logged on to Citi on XX/XX/XXXX to pay the XX/XX/XXXX payment, and found out the account was still behind and I owed more than {$28.00}. I was upset and called up. When I realized what was going on, I asked for the tapes that recorded those prior phone calls to be pulled because I said I was given misinformation. I was told someone would call me within 48 hours. I did not receive a call. I called Citi again and was told that they tried to call me twice but I did not answer. I did not have any calls on my Caller ID from either Sears or Citi. 

On XX/XX/XXXX, my payment is due and so far I am still in limbo with this account, so I called Citi. It was over an hour of my time going from one department to another with more excuses. Finally, the collection 's department said I did get misinformation, however, they can not change the account. I was transferred to customer service so they could " honor the adjustment '' and they did : nothing.

I was told to pay {$28.00} today and some vague talk about someone from Citi will call to straighten out the account. I was not told when. So I am still behind with all then extra late fees being added to my account. 

This is like a hole that you fall in that you can never recover. I missed just one {$37.00} payment and it is this mess. Talking to Citi is even more frustrating ; nothing gets fixed. It seems intentional and this practice has to be stopped. Thank you.