WillisBack/dataset-financial-user-claim huggingface dataset:
I began the process of refinancing my home with Bank of America, who currently holds my mortgage after being contacted by them several times, on XX/XX/2015.  After several requests for additional information, and a lot of confusion XXXX, they asked for verification about a particular payment I received, which caused a huge red flag, and they convinced me to close the loan application to start over, as it was easier for them.  This was in XX/XX/XXXX I believe.  I was shuffled through XXXX different people.  I spent a good portion of my time every day or so preparing information, even going into a branch at XXXX point to attempt to fax information directly to the agent who requested it.  After the restart, a new person contacted me, saying that additional information focusing more on my XXXX income would solve the confusion, and a new list of information requested was sent to me.  A lot of it had to come from my CPA and bookkeeper, so they prepared a large file for me to send and I did.  The agent who requested it emailed me back saying he would put it into my file.  Half an hour later he called me to apologize, that my loan had been cancelled, because he had failed to tell me I only had 72 hours to get my CPA and bookkeeper's information.  I had done nothing wrong.  It was their error XXXX and XXXX my loan was cancelled.
Today I got a Notice of Action Taken, which says that the application was not approved because of INSUFFICENT CASH : INSUFFICENT LIQUID ASSETS TO CLOSE THE LOAN.
I am in shock and horror - scared to death that this will end up on my credit report.  There was NEVER a suggestion that I did not have cash to close the loan.  I was ready each and every time they told me we were about to close to meet the requirements of the costs, which was approximately XXXX times.  I am completely panicked now that this huge bank has not only screwed up my credit by requesting it multiple times from the credit agencies, but now that this Notice is on my financial report as well.  I do not know who can help me and I have emailed the original agent I worked with there to help me, but I doubt I will even get a response.  I believe BofA needs to be disciplined for this.  No one got anything from this deal and now I am much worse off than if I had never said yes to them in the first place.
Around the end of XXXX early XXXX, I contact Wells Fargo to obtain a payoff for my mortgage. I spoke to a representative that gave me the what I owed, but stated that they could not give me a final number as they had to request a payoff and I would receive it in the mail. 

I received a payoff statement in the amount for around $ XXXX. I accepted an offer of {$380.00} for my home, enough to cover the first and second mortgage as well as all of associated fees. 

On XXXX XXXX, my lawyer contacted me to inform that there was a problem as there was a third mortgage on my home. I was taken back as I did not take out a third mortgage. My lawyers office went on to state that it may have been a mortgage modification. I stated that yes, I did request a loan modification, but I was under the impression that amount was put back into the mortgage and a third loan. They forwarded me the signed documents. I immediately contacted Wells Fargo who stated that it was my responsible not theirs. 

Upon my own research I found out that Wells Fargo was responsible for informing me of the partial claim, as part of my payoff. The XXXX HUD XXXX letter section k, stated that they are to contact HUD and inform me of the partial claim as part of my payoff, which they did not. The HUD website also states that the lender, is obligated to contact HUD whenever a payoff is requested and inform me of that amount, again they did not. 

I contact Wells Fargo again and made a complaint in which the assigned to XXXX XXXX. I spoke to XXXX and he said that he had to research the matter. I followed up with XXXX a few days later, in which he stated that Wells Fargo research stated that I 'm responsible for contacting HUD and Wells Fargo is not responible or are they going to pay any funds that I am out of pocket. I asked where did this information come from and I was told that it came from HUD as well as Wells Fargo research dept. I asked for the name of the person that he spoke to at HUD and he could not provide it. I asked for the contact information at Wells Fargo research and again, he could not provide it. I asked if there was someone else I could speak to and he said no. I informed XXXX that if there was no one else that I could speak to in regards to this matter, that I would have to take matters into my own hands and this is when XXXX became very disrespectful stating that it is not his fault that I could n't pay my mortgage and required a loan modification and that Wells Fargo is not responsible and will not help me. I told XXXX that there is no reason to be disrepectful, he stated that he was not being disrespectful, just stating facts. I went on to say that there is no need for us to continue this conversation, if there is no one else that I can speak to in regards to this matter then there is no need to continue with our conversation wished him a Happy XXXX and hung up. 

After talking to Wells Fargo, I called HUD stated that yes they see in the mortgage letter XXXX, that Wells Fargo is responsible for informing me of the partial claim.
I contacted this creditor to provide proof this is my account. I had another account which was paid in full and closed on XX/XX/XXXX. And this account is showing opened on XX/XX/XXXX.
I have asked for proof of this being my account and have not recieved anything.
They have sent one reply asking for my personal information that I have provided in my initial letter. 
Still have not received proof.
XXXX XXXX XXXX XXXX NY XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2015Bank of AmericaXXXX XXXX XXXX XXXX TX XXXX XXXXThis is a disputeGentlemen : I wrote the attached letter XXXX XXXX, 2015 and XXXX XXXX, 2015 and this letter XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015 and I have been contacted by the dispute collection dept. 

Clearly Bank of America MISTAKENLY XXXX and admitted same ) sent me {$3000.00}. 

When I received the check there was no explanation and no account number. I cashed the check and spent the money. Even though this was Bank of America 's mistake I am prepared to pay back the {$3000.00}. I told this to the dispute/collection dept. but they insisted that because I had use of the money I would have to pay interest. 

My credit balance, which initiated this whole issue, did not earn interest even though Bank of America had use of the money. They were quite insistent and I therefore hung up on them. 

Like I stated above I am prepared to pay back the money but on my own terms and conditions NOT Bank of America 's. 

I will pay back at the rate of XXXX monthly payments in the amount of {$300.00} each. If this is satisfactory to Bank of America please email or mail a clear unequivocal confirmation with no conditions. Upon receipt of your correspondence I will commence the repayment. Furthermore none of this is to be recorded by ANY of the credit agencies. 

However if you initiate a suit I am prepared to meet you in small claims court. 

Also please do not call me for collections. You owe me my credit balance. 

Sincerely,
I wanted to buy a home.I shopped around a lot for the best rate.I authorized 3 companies to pull my credit. I went from an 814 credit score to a 740. I have no debt except the house.Several companies pulled my credit after I specifically told them not to as it would affect my XXXX score for some reason I do not understand.XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX were not authorized.One online one I closed the page the minute they asked to run my credit & they still checked my credit.Its a way to ruin our credit to make a higher interest rate.
XX/XX/2018- XXXX XXXX from Conserved Called my place of employment Prior to this date I have received calls from Conserve from Different phone number, most times when you answer the phone no one says anything and the call is disconnected. A company representative will call back, and not address who they are or the intent of the call, while pressing you to validate your personal information, example : asking for last 4 of social, confirming DOB.

I have asked to be taken of their call list, and requested someone to mail me a letter. Have yet to receive anything via mail from Conserve regarding any debt collection ( s ).
I recently purchased 2 items from XXXX using PayPal on XX/XX/2017 for the amount of XXXX. I noticed today XX/XX/2017 that my XXXX checking account was overdrawn due to the transaction. The descrepency being, when using PayPal as a payment method, my PayPal preferences are set both online and in store to draw from my preferred account, in this case, PayPal Credit. It did not, and instead my bank account was charged and lead to an overdraft. I had spoken to XXXX, very helpful and they directed me to contact PayPal, I immediately did so and they would not take my claim seriously, lied about their own policies, which are visible on their own website and it will draw from a checking account, only if there is no preference set for payment otherwise, which was and still is PayPal Credit. At the time there was sufficient credit line, and should have been utilized. They were very unhelpful and condescending.
due to being sick with XXXX i was unable to make several payments to my credit card with capital one. my card was then restricted. i then made an arrangement to make 3 payments in 3 consecutive weeks to get my card under limit and it will unrestrict my card. once i called to ask to get it unrestricted they so " no im sorry we cant do that but what we will do is make you pay another XXXX payments and then we will unrestrict your card. " So i made one more on time payment above my minimum and had it set up on auto pay. I made a mistake on there Mobile app with one digit off on my account number. once notified 3 days after the due date that the payment was not processed, i called immediately to make my payment over the phone. they then told me that the arrangement will not be honored, and that i have to continue to make my minimum payments with out paying my account in full in hopes that another arrangement may be offered to me but no promise. so now they have me in a position that if i pay my full balance my card will be shut off, or continue to make my minimum payments and pay the interest in hopes of them offering me a offer of unrestricted my card.
I do not have a contract nor any contract with Portfolio Recovery. I have never done business with this company. I am not liable for collection from this debt from Portfolio Recovery. I am not responsible for this debt with Portfolio Recovery.
I have had a very difficult time with Nationstar I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Nationstar always seemed to lose my paperwork, which I constantly had to re-fax. I was originally with XXXX XXXX XXXX and was in the middle of the loan modification getting approved. It was sold to Nationstar, and they never honored the modification. I had to start all over and Nationstar never tried to help with the modification.
I received a a letter on XXXX/XXXX/2016 advising that my " XXXX '' account was being cancelled and I had the ability to re-new. The envelope and memo were non-descript so I was not aware what this service was really about. I thought this was a phishing scam. 

I called on XXXX/XXXX/16 and was advised that Citibank had signed me up for this service since I had done business with them in the past. It seems this service is a credit monitoring service (??? ). The agent cancelled my subscription and was helpful but was not able to provide any contact info for Citibank. I have NOT had a Citibank account for years nor received any notice I was being signed up for this service OR what access to my records they were actually monitoring. 

I 'd like to understand why Citibank was allowed to do this without my permission and what personal information does this company have access to. 

Their contact info is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
I received a letter from them stating that a judgment has been entered against me XX/XX/XXXX for {$7000.00} from XXXX XXXX XXXX which was part of a settlement of bills that were paid from a car accident I sustained XX/XX/XXXX. The attorneys were XXXX. The letter said that failure to comply will result in my arrest and incarceration. I also had a levy placed on my checking account and {$2500.00} plus {$120.00} legal fees were deducted from it. the letter states that I owe {$7000.00}. My checking account is now in a negative status. I have never been contacted by this firm before nor was i ever given proper notice about this bill. I tried to contact them today over the phone and spoke to XXXX at XXXX who is a paralegal who was rude and gave me no information on my account. She tried to manipulate me and then told me to have an attorney contact them. I then emailed them at their website to find out what is going on and to have them immediately contact me about this. I am distraught and completely outraged that this bill XX/XX/XXXX that I had no knowledge of was filed without my knowledge and my money was stolen from my bank account. I am filing a complaint because I want my money back and I want this firm held accountable for their deceptive practices. I am currently dealing with XXXX and am devastated by this and I need to focus on getting better but can not because I have no bank account nor can I pay for my rent or food. Please help.lThanks.
I attended XXXX XXXX University from XXXX - XXXX for an XXXX degree. During that period, I was working full-time and had to essentially complete classes late at night on my pace. It is important to note that XXXX XXXX was working toward their accreditation and was in " pending status '' during this period. Consequently, XXXX changed their name to XXXX XXXX University and altered their curriculum requirements when the accreditation was not approved. Shortly afterward, the school closed and left no transcript records or resources to obtain any from a repository. I contacted XXXX XXXX at the time to see if they had received complaints from other students with outstanding loans paid to XXXX XXXX. They refused to answer and informed me that the debt would not be forgiven irregardless of the fact that federal student loans are indeed forgiven on those grounds. My father was the principle guarantor on the loan and was paying it on time. He passed away and we were informed that the debt would be discarded with the furnishing of a death certificate. Again, this was not the case as after I sent a certificate, I was informed that I was named as a the responsible party now. During this time which reached through XXXX, no payments were made. XXXX XXXX charged the debt off and sold it to XXXX ( which Navient refers to as " their '' resolutions team ) which is utter deception because Interstate is a cut throat debt collector that is NOT a part of Navient. All I want in this is the opportunity to either A ) Be forgiven of the {$4300.00} debt due to the school closing and no access to my body of work, or B ) To have my account placed back with Navient or XXXX XXXX in good standing so I can resume payments and not have it decimate my credit as it has done during this time.
Violating FDCPA by stating removal of license if debt not paid. Multiple harassing calls and emails
The representative spoke in a kindly manner and I have not had any issues since the recently with Nelnet. I have always made payments on time and never missed any either. 
When I inquired recently regarding change of repayment plan from the income driven to the standard repayment plan. The first attempt to make the change I spoke with a representative that had notified me that I would have to make 3 qualifying payments to change into the said plan. Then she had quoted me an amount that I would have to pay for the loan of {$70.00} and some change for the standard repayment plan of the 10 year term. ( 120months ) When I called the second time to make the change towards the account. The representative quoted me the same amount and had said that the paperwork would be completed and submitted. After a month passes and i am getting ready to make my regular payment I see that there are no change to the account or payments. So I call Nelnet today XX/XX/2018 and speak with a representative that states, that I can not switched into that plan because it was a forced income driven plan. Then I get upset with them and then she states that she would be able to change the plan. She had me wait on hold while she looked into the account. When she returned she quoted me a new rate of {$71.00} and some change. Also shes said that it would take 5 day for them to process the paperwork. I was upset with her in regards to the new higher quote. So we got off the phone, she calls me after 2 mins of hanging up. She said she didn't like the way that this ended and want to see if there was something more that they can do. Furthermore, she has me wait of hold and returns after some time to tell me that I will be talking to a new representative named XXXX. ( The irony here because I attended XXXXXXXX XXXX XXXX XXXX University ). She warns me now that there might be more fees and payments associated with the new plan. When speaking to XXXX I learned that my new payment will be XXXX. At this point i'm to drained to argue. Then he failed to inform me until I questioned him the details, that the new standard plan run 12 years instead of 10 years which is unheard of. I just experienced the most deceptive strategies that any loan account services organization can provide. You can refer to the call on XX/XX/2018 with representative XXXX.
after   having a Wells Fargo Master Card for over 15 years, I was advised I was being issued a Wells Fargo Visa Card, which followed with several account # 's.
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Each month I would pay the bills but they would not show credited to my original account numbers, and sometimes would be credited to Wells Fargo Card Services.
<P/>  In the meantime they refused to give payment for my reward points, saying I was using my incorrect birthday, my birthday has always been  XXXX .  <P/> I WOULD LIKE TO S  ETTLE THIS MATTER. 1 ) I WOULD LIKE MY BIRTHDAY CORRECTED. 2 ) CANCEL ALL W/F Credit Cards, Visa or Master Cards/written confirmation ), without effecting my excellent credit rating 3 ) I would like to receive credit for all late fees and interest accumulated during this process. Est {$75.00}. 4 ) A check for my rewards earned approx. {$75.00} 5 ) After all of the confussion over these unsolicited credit cards and payments, no balance and a {$1000.00} settlement.
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After all of the years dealing with Wells Fargo, Checking, Mortgages and Credit Cards,   this is very disappointing. I have exchanged a number of letters and proofs, still no resolution. I am almost  XXXX  years old and do not want to be involved any longer with this matter.  <P/> Please Help Me.  XXXX   XXXX   XXXX  (  XXXX  XXXX  XXXX  )  XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Washington  XXXX
I have repeatedly tried to close my checking with Citibank and they have not closed it. I am no longer in the United States. This makes handling the matter very difficult. 

I first requested to have the account closed on XX/XX/2016 ( XXXX Eastern Standard Time ) via online chat with a Citibank representative named XXXX. He told me that the account would be closed within 2 business days. I received the cheque with the remaining balance on XX/XX/XXXX ; however, a letter later arrived welcoming me to Citibank, followed by another letter with an ATM card. On XX/XX/XXXX, I posted a letter to Citibank. This letter repeated that I had instructed them to close the account, had not requested a new card, and again, instructed them to close the account. 

I have now received an email on XX/XX/2016, informing me that I have a new message on the online system concerning my account. I can not access this message, as I no longer have the relevant details. I am quite frustrated by this constant back-and-forth across national borders for what should be a simple administrative task. I am also concerned that the account may be accumulating fees, and will therefore create difficulties for me if I attempt to re-enter the US in future.
I am XXXX and Sallie Mae knew this and in a matter of XXXX8 months moved my loans to collections and have been harassing my co-signer daily- All my other loan providers are on board with me.
The facility XXXX XXXX XXXX XXXX XXXX failed to send me an initial bill and then after several months sent me a notice PAST DUE 90+ days. The remaining part after the insurance was {$11.00}, I paid it immediately upon receiving notice. I have a copy of the front and back of the check clearing my account on XX/XX/XXXX. The facility continues to send notices to collect payment. I have spoken with the billing department. On a separate instance I spoke with an office manager and explained I paid this already. Now more than a year after the date of services XX/XX/XXXX I 'm getting a notice from a collection agency HSI Financial services to collect on a debt that was already paid. I ca n't remember that far back, but thank God I kept organized records otherwise we would probably have a different outcome. This feels like harassment, I have spent hours going back and forth explaining this was paid. This is only {$11.00} but for others where the bill is higher this seems unfair and unnecessary stress! I have provided copies of the cleared check. I have done my part they need to update their records and stop sending me notices to pay.
I contacted Diversified Consultants my mail XXXX XXXX, 2017 asking them to validate/verify 2 accounts listed on my credit report, one for XXXX for {$97.00} and the other for XXXX for {$1700.00}. My letter asked them to validate/verify that they have a contract with my signature to show that I owe them. Their response was sending me identity theft paperwork. This is not what I requested. If they ca n't provide me this information by law these accounts must be deleted from my credit report.
My complaint is against XXXX XXXX XXXX, a XXXX unit of Fulton Financial, and their " 10 business days '' dispute resolution process. 
This is the 21st century. If charges ( checking account withdrawals via a debit card ) can be made instantly, it should n't take 10 days to get a disputed charge removed. 

The disputed transaction is the seizure on XX/XX/XXXX of {$1400.00} by a XXXX property : XXXX XXXX, XXXX in connection with a reservation I cancelled on XX/XX/XXXX. The reservation was for a stay scheduled to start XX/XX/XXXX, and I selected an option of " cancel up to 1 day prior to [ XX/XX/XXXX ] without penalty '' when I made the reservation through XXXX. 

The hotel ( and parent company XXXX XXXX ) is insisting that my reservation was a pre-paid/no refund reservation, and they are refusing to issue a refund. 

WORSE : I now ( XX/XX/XXXX ) see ANOTHER {$1400.00} hold on my checking account -- which just appeared this morning. I screamed at the bank about this, but they said there is nothing they can do short of cancelling the debit card ( which I did ) to prevent additional transactions. They tell me it will take ANOTHER 10 DAYS to dispute the second {$1400.00} theft. 

Why would additional transactions from the same merchant NOT be blocked the minute a dispute is filed?!? 

It would seem that our banking system allows for the repeated raid of our checking accounts by unscrupulous merchants, and banks have no obligation to prevent this. This is a very chilling revelation.