WillisBack/dataset-financial-user-claim huggingface dataset:
THis is my Complaint with Chase Morgan Bank Please HELP. CHASE MORGAN BANK keep trying to FRAUD me with my OVERDRAFT. 
Ok for over a week all my purchases has been pending and these purchases are was paid and and delivered threw mail but yet it was still pending. Chase just want me to be confused that show I have money when actually my account is already negative. They just want me to buy more when my account is already overdraft. 
RIGHT WHEN I send them online message about why all these almost or XXXX purchase are still pending. They fix it the same day or night. 

WELL NOW. I paid XXXX {$330.00} and it actually showed up on my Account. But when XXXX charge me for {$450.00} why did Chase all of a sudden put this {$330.00} pending and charge {$450.00}. You see I figured out my purchase. I paid the $ 335 days before and it was not pending. So that left me with about {$59.00}. Then I knew XXXX was going to charge me the {$450.00} whcih I will be charge an Overdraft fee. 

But what does Chase go and do so I can PAY for XXXX OVERDRAFTS. The put the {$330.00} that was not pending days ago in pending now and they paid for the {$450.00} which was just posted today and should of been pending. 
And this is how they charging me for XXXX OverDraft. 

I am sick and tire and I am tired of CHASE taking advantage of my XXXX becuase I have a payee too. CHASE has been doing this and IM FINALLY FED UP.Im XXXX and angry and having problems with this. I am on SSI and struggling. They know I need the bank for my SSI. What they think im to dumb or stupid and to sick. 
PLEASE I am going to file with the Consumer Complaint and XXXX and WHo ever else I can reach. and XXXX XXXX ect ... 


THank you XXXX XXXX
I called offering a settlement amount, and while my offer was turned down, I was also informed that federal law prohibits them from accepting less than 50 % of the total amount to be considered as full satisfaction of the debt. As I knew this was not true, I identified it as a lie, after which the representative refused to allow me to speak.
Equifax has already deleted a XXXX loan account few weeks ago, today they reinsert the account.
I made my payment for this account with XXXX XXXX on the XXXX of XXXX XXXX at XXXX XXXX central time I made payment of {$540.00} which i have done this before several times on this day I was told by them and also recording to get payment in by XXXX XXXX  eastern time to be accounted for on time. well this particular time they mark me late, and said it did not post until the XXXX of XXXX, but acknowledge they took payment on XXXX/XXXX/XXXX and it was late but i made it before the cut of time which they said this is correct but we will not change the marker it was there on time.
I checked my credit report and I found information on a home loan that took place in XXXX when I was still in high school ; This information I was not aware of. Also, there was details about a car loan in XXXX that I was not aware of either.
This is a complaint about Citi bank credit card electronic transfer fraud by Citi bank. As of XX/XX/2015 they issued a payment via mobile transfer from my Nevada state bank account to payoff my credit card account without authorization. My bank reverse the charges, after I notified them and adviced me to contact Citi bank to investigate how and why this occurred. After getting the run around at citi bank they refuse to tell me how this transfer happened. I am attaching a copy of my payment transfer to this credit card for your viewingI thank you for your help and consideration in this matter and hope to hear from you soon.
I haven't been able to find my debit card, my cell phone or my wallet since my house warming party on the XX/XX/18. Back on XX/XX/18 I deposited {$400.00} into my account before the party and I haven't been able to find the card since then.

I think someone at the party took it because they knew the pin, which is both the password to my phone and my gate code.

I have several charges to my card that I did not make : - XX/XX/2018 for -XXXX XXXX XXXX PURCHASE XXXX FL - XX/XX/2018 for -XXXX   XXXX XXXX PURCHASE XXXX FL - XX/XX/2018 for -XXXX XXXX XXXX XXXX   PURCHASE XXXX FL - XX/XX/2018 for -XXXX XXXX WITHDRWL XXXX XXXX XXXX XXXX FL - XX/XX/2018 for -XXXX XXXX WITHDRWL XXXX XXXX FL - XX/XX/2018 for -XXXX XXXX   WITHDRWL XXXX XXXX XXXX XXXX FL I have called my bank several times but they have me on hold for hours and I never get to speak to anyone its crazy!
I leased an apartment at XXXX XXXX at XXXX XXXX in 2014. I made every rental payment during my one year lease. I left the apartment in very good condition ( I took pictures that I have available ). 

XXXX XXXX changed management companies just after I left that apartment. The new management company provided a " move out statement '' showing {$4800.00} in apparent rent owing along with fake charges for cleanup and painting. 

I have attached copies of all my checks ( except two months where I paid by money order ). The collection of this debt is fraud at the worst and extortion at the best. I paid my rent in good faith and adhered to move out rules. 

The collection agency is Southern Management Systems
ADDITIONAL NOTES ( 4 ) Date Note n/a XXXX XXXX XXXX  n/a XXXX XXXX XXXX n/a XXXX XXXX XXXX n/a XXXX XXXX XXXX|PREVIOUS XXXX # : XXXXPREVIOUS XXXX  # : XXXX These issues are on my background check. I have never been XXXX XXXX XXXX XXXX. But this is on MY record. Other companies have been pulling my record too. I have not been hired by the other companies. And may not be hired by this company. This reporting on my record may have cost me other jobs too. I really need to know where these charges are from. There is not enough information here. I have copied and posted what is on my report. Please fix this.
I originally secured the loans through XXXX XXXX. I did not complete the degree due to the graduate school being unable to support my thesis ( 3 changes in advisorship ). I left and began working and filed a complaint regarding student program compliance with the Department of Education. They were not competent enough to effectively process my complaint and help me. I hired an attorney and received a slight reimbursement from the school : enough to pay my attorney bills. It then took me 6 months to find a job at XXXX XXXX. One year later ( XX/XX/XXXX ) I was part of a mass layoff, from which XXXX XXXX closed. Again it took me over 8 months to find a job. My next job was XXXX XXXX, for whom I worked for 2 years and then part of a mass layoff. This put me on unemployment for another 8 months ( XX/XX/XXXX ). In XX/XX/XXXX I was contacted by Navient and informed that my new monthly payment was over {$850.00} and that I faced wage garnishment. I filed a complaint with the Consumer Protection Bureau a ended up having my loans consolidated for a monthly payment of {$480.00}. This is still above my means. Due to hardship from divorce I have been placed on forbearance multiple times in XX/XX/XXXX& XX/XX/XXXX. I have just now learned of the Navient lawsuit and am shocked to learn that there were options other than forbearance. I have been paying my loans for years a now owe $ XXXX : my initial loan amount was $ XXXX. 

If there is anything that can be done to help me with this horrible lender for a degree I could not finish because the DOE and XXXX XXXX refused to address my original compliance issues that would be great.
In good faith I took part in a promotion offered by US Bank and XXXX check out. The promotion stated that if I spent 50 dollars by XX/XX/XXXX, I would receive a 25 dollar statement credit. I am attaching my order confirmation page that clearly shows I purchased my items within the timeframe required. The items did not post to my credit card account inside the required time frame. I am attaching the promotion offer to show that the offer only states that the purchases be made by XX/XX/XXXX. The offer did not state that they post to the account by the XX/XX/XXXX. I have filed a Reward discrepancy. I sent my order confirmation showing the date ordered. I called back to check the status of my discrepancy, and now Im being told that the promotion can not be applied because I did not use XXXX check out. I have contacted the bank and I have contacted XXXX and I have contacted XXXX check out. None of the organizations can prove to me or give me documentation that I did not use XXXX check out. I believe I did and would like proof that I did not or I would like my {$25.00} promotion credit.
On XXXX XXXX, 2016 our mutual client received correspondence from Wells Fargo stating that they had received our request for a short pay off. They stated they needed a Letter of Hardship and Verification of funds which was sent and received on XXXX XXXX, 2016. The letter also stated that it would take 60-90 days to review for the request. As we waited for a response we never received any updates or response from Wells Fargo until XXXX XXXX, 2016 declining our request. The borrower showed a valid hardship which included the death of their only daughter. The borrower also requested to settle the debt for {$450000.00} which is more than a considerate amount. Before he knew it there was a sale date of XXXX XXXX, 2016 placed on his home and he scrambled to gather documents for a loan modification because he so desperately wants to keep his home. After submitting all the requested paperwork by XXXX XXXX, 2016, the investor has still denied any review for retention options. Wells Fargo re-entry team has denied all retention options for the client for no reason. The borrower has sufficient income and provided all the documents in a timely manner. Due to Wells Fargo not getting back to us within the expected time frame we are now here at this point. Wells Fargo has violated CFPB rules and regulations and has continued to do so without repercussions. There is a good reason why they seem to be on the news every other day about lying to borrowers and not having their best interest.
My husband and I live in XXXX, XXXX, in a single family home. We are seeking a Home Equity Line of Credit ( HELOC ) from PNC for several home improvement projects. We started the application process with PNC in XX/XX/XXXX. Today is XXXX XXXX. PNC requires a full home appraisal, and I met the appraiser at our home almost three weeks ago on Monday, XXXX XXXX. The appraiser has yet to provide the appraisal report to PNC. According to PNC, he is having " computer issues ''. 
We have asked our PNC representative, through four different messages, to let us know when we will receive a copy of the appraisal and when our application will be decisioned. PNC does not know and tells us that the issue has been escalated to a supervisor. We asked that the appraisal order be cancelled and a new one opened, twice, and received no response. We asked that the delay be further escalated as an issue. No response. 
We understand the importance of the appraisal report so that PNC can render a credit decision on our loan application. We have outstanding credit and have provided all information requested by PNC in a timely manner. In return, we ask for assistance in either obtaining the appraisal that was already completed or ordering a new one as soon as possible. Waiting three weeks for an appraisal report to be completed is unacceptable, and the lack of feedback and support from PNC is deplorable. I have worked in the lending industry for a decade, and I am ashamed that this is the service that hard-working Americans are receiving from big banks. We feel bullied. The bank has all of the power - and all of our confidential personal information - and we no longer trust them to have our best interests in mind. 
The lending industry has come a long way, but the journey to restoring the trust among big lenders and the American people has XXXX steps left in it. Let 's start by guaranteeing that every American seeking an asset-based loan can obtain an honest, relevant, thorough, fact-based appraisal report within 10 days of when the order is placed. If the order is not completed, the appraiser should receive penalty points, and the lender must order a new appraisal immediately. 
If an appraiser accrues a certain amount of penalty points, s/he should lose their designation as an appraiser and be barred from working in the field.
I am having major issues with Equifax fixing a split file. It would seem that my file is split, as I have removed the security freeze from my report, yet when creditors pull my report, it comes up empty or states there is a freeze and can not be pulled. They claim I have no freeze on my record. I have faxed them the correct documents at my cost 3 times now, and they claim they lost or can not read them. No one on the phone has any idea what to do or make claims that nothing is wrong. Something is definitely wrong with my report. I have called over 10 times now to resolve this issue and it is not getting resolved.
We sent the email below to Stonegate XXXX/XXXX/15, followed up XXXX/XXXX/15 and never received a response from them. 

If you require any email correspondence proving any of our claims, we are happy to provide them. 


Hello, My wife and I reached out to Stonegate about refinancing our loan around mid XXXX ( the first email we have is from XXXX/XXXX/15 ). We agreed to terms and were told on or before XXXX/XXXX/15 that we would be closing mid XXXX. To be more specific, we were told XXXX/XXXX/15 that " Your appraisal just came in and your file has been forwarded to underwriting. '' Each and every time anything was requested of us, we responded with what was required immediately. After following up a number of times, being shifted around to different representatives, having additional documents requested of us, etc, we were told XXXX/XXXX/15 that " We got extremely busy over the last 5 months which has caused tremendous delays. '' Following that, we had to get another appraisal since it had been so long, send in additional documents, and we finally closed XXXX/XXXX/15. Nearly five months after we were told it would take place. 

During that time, we paid PMI on a loan that we would n't have if it had closed when we were told it would and also paid interest at a rate XXXX of a point higher than we should have been. 

After repeated attempts by Stonegate to renege on the terms we agreed to because it took them so long that the " market had moved '', we did, in fact, receive the loan at those terms. In addition, we were refunded the amount we paid for PMI as a result of Stonegate 's delays. However, we also need to be refunded for the additional interest that we should not have paid during that time period, as the delays were admittedly Stonegate 's fault. 

We will be awaiting your response. 

Thank you
I sent Navient a Affidavit of XXXX to validate the account and to disclose information in regards to the loan. They were asked to present to me the original wet inked contract ( promissory note ) and to answer is any legal consideration was handed to me upon signing of said contract. Also I asked to recieve the names of any other assigns that were located on the allonges attached to the contract. Along with the journal entries in regards to the contract as well as any accounts created using the Indorsement. Navient dishonored me by not providing these lawfully requested documents. They defaulted but continue to harrass me. 
I have sent a letter to cease harrassment and to not send negatve information to my credit bureaus stating Public Laws 95-109 and 99 -361 known collectively as the Fair Debt Collections Practice Act.
I am requesting as a XXXX XXXX and Veteran of the XXXX XXXX XXXX, in the spirit of good faith, customer service and appreciation of my service to the country, that the outstanding balance be waived and forgiven and all collection efforts be ceased and not resumed on account ending in:XXXX.
1. A am a victim of Identity Theft and have filed a report with the FTC.

2. My Name, SS #, and Date of Birth were stolen, and the thief was allowed to add a fraud XXXX email account, add another phone # and address to my XXXX Credit Report, and were able to obtain a Credit Card in my name mailed to the address they added to my Credit Report. 
3. I called XXXX  today after checking my report to make sure corrections were made and I do have a 7 year free credit report alert monitoring - which I confirmed - I have a " Pin # '' which I would need to use if I needed to get information - or unfreeze - my credit report - XXXX   did not ask me for this information - which I thought was concerning - since this is supposed to protect me. 
4. I have opted out from receiving any direct mail from banking agencies etc. as well as other direct mail over a year ago. 
5. Although I am not receiving those, Companies are STILL ALLOWED TO MAKE " soft inquiries '' and get my CREDIT REPORT. 
6. XXXX will NOT stop " soft inquiries '' without me sending more " personal '' information - including - Driver 's License, Bank or other type Date of Birth, etc. in writing - I do not feel I should have to mail them MORE personal information. 
7. I do not want anyone checking my credit report for any reason without my permission. 
8. I don't think any of the requests should be allowed or honored - this is an invasion to my privacy which has already been compromised. 
9. XXXX  and Equifax indicated that existing creditors are allowed because of the CRA Credit Reporting Act can continuously look at my report - EVEN if I am never late and have a great credit score. 
10. XXXX said I can OPTOUT of these inquirie in # 9 - by furnishing in writing the more intense " personal data ''. 
11. SO THERE IS CONFLICTING INFORMATION GIVEN TO ME - IF THE CRA IS ALLOWING THIS - IT SHOULD BE STOPPED - AT LEAST FOR THOSE OF US THAT CONTINUE TO HAVE GOOD CREDIT.
ON XX/XX/XXXX I received a call from USI Solutions stating that I owed money on a debt. Client : USI SOLUTIONS, INC Your Account Number : XXXX Original Creditor : XXXX CARD Original Account Number : XXXX Amount Due : {$7900.00} 1.  They stated that in XX/XX/XXXX I was making payments, but that the law firm went out of business. Man on the phone stated he used to work for that law firm and because we had a " rapport '' he was trying to help me. He also stated that a statute of limitations doesn't exist for debt. After a back and forth I gave my email address only, and hung up on them, once they tried to pressure me into calling them back and set up payments. They also told me after 5 minutes of conversation, that this call was being recorded, something they are legally supposed to do at the beginning of the call. 

2. I actually settled this debt years ago with another collector as it was passed on to someone else. It was removed from my credit report, of which I am now in good credit health. 

3. Even if this debt wasn't updated in their systems, ( even though it was settled and they are now coming back at me after 8 years have passed ) they did not tell me that it is " time-barred '' and they couldn't pursue it legally. 

People on the email they sent to me : USI Solutions XXXX XXXX XXXX XXXX
There is company on my credit report - LVNV Funding LLC reporting an account with the EXACT same account number that I submitted a complaint about earlier from XXXX XXXX that I do not recognize. I 'm guessing it is a collection agency but I do not know. It was reported XXXX and the status says " chargeoff or collection '' with a balance of {$2100.00}. I do not have anything with this account number not have I ever heard of LVNV Funding LLC .
Wells Fargo denied my credit card application because I didnt have a green card ( I have a work visa ) The  requirement of having a green card was not disclosed to me before doing a hard credit pull. My credit score was negatively affected as a result. 

All lenders must disclose whether having a lawful permanent residence is a prerequisite for loans or credit cards. This is just common courtesy that is absent from the US financial system
I 'm XXXX today. I lost my job of 15 years back in XXXX due to a company downsize, and was thrown back into the workforce to try to start over. What a journey it has been. No one wants someone my age. So now I only work part time, with a loss of over {$1200.00} per month in income, and barely surviving. With all my bills, I do n't have the money to afford food any longer, and so I starve. My mortgage company is aware of my situation, and yet continues to charge me a late fee every month, because I am a little late in getting the payment in. And now they want to increase my monthly payment, Which I ca n't afford now, because they need a buffer on my escrow account. It 's a 30-yr fixed rate/payment, so how can they just change the payment to what ever they see fit. I think it 's time to simply walk away, and let them have their home back. It 's a hard pill to swallow at XXXX, but did my best.
PAID " XXXX XXXX HOTEL '' .... ( twice ). 
I PAID on XXXX XXXX, 2015 ... ..As I had already paid for it. 
HOTEL CONFIRMATION # : XXXX ... .. ( via CHEAP TICKETS, on XXXX XXXX, 2015 ) ... XXXX " B.B. & T. BANK '' XXXX HAD TO PAY AGAIN ON XXXX XXXX, 2015 ... ... ( AS THEY.. ( XXXX XXXX ), DID NOT HAVE ANY RECORD OF MY PAYMENT, ON XXXX XXXX, 2015 ... ... .HAVE " BB & T BANK '' RETURN MY {$78.00}, TO ME PLEASE. 

*SEE ENCLOSURES.
This is a complaint regarding Transworld Systems Inc. 

I received a call from a spoofed number ( trying to match my area code so that I would pick up ) on XX/XX/XXXXclaiming that I have an outstanding blance with XXXX XXXX XXXX in XXXX XXXX or XXXX XXXX. The claim, I believe was supposedly from an outstanding balance from XX/XX/XXXX 

I had received a call previously around XX/XX/XXXX, but claiming that the balance went back further. Any money owed to XXXX XXXX XXXX had been paid in full at that time, and I told them that when they called me in XXXX. I no longer had my car as of XX/XX/XXXXand moved out of XXXX XXXX in XX/XX/XXXX, not having incurred any additional balance and not owing anything as I had paid up to date. I also had not been sent any notification of any past due balance in a long time even inXX/XX/XXXX. I explained all of this to the person who called me on XX/XX/XXXX, and asked for a call back from their Supervisor ( their Supervisor was allegedly not available ), and I never received a call back. 

The only subsequent call that I received was one today,XX/XX/XXXX, that I initially missed. I tried calling back and reached another representative, with whom I confirmed the name of the company, who now claimed that the balance went back toXX/XX/XXXX. I tried explaining to the representative exactly what I stated above, and trying to add the fact that I had also never received any past due notifications in the mail between XXXX and the end of XXXX, but she refused to listen. I asked for a supervisor and she not only claimed that her supervisor was not available, but that the supervisor would say the exact same thing that she did ( which was nothing ).