WillisBack/dataset-financial-user-claim huggingface dataset:
Prior to filing bankruptcy last year I had a private student loan through National Collegiate Trust for a sum of approximately {$19000.00}. A year later after my bankruptcy is discharged I get a call from their debt collector and now it is {$30000.00}. How can they charge {$11000.00} in interest in one year, when I took out the loan in XX/XX/2006 for {$15000.00} and it only accrued {$4000.00} over a period of 10 years.
Capital one off er me balance transfer with lower interest and I request a check so I can deposit into my account so I can pay credit card bills. Now capi tal one charged on my capital one account day 1 and I never got check, they refuse to give credit back and interest they charge me for that balance transfer offer which is {$2500.00}.
I had a car loan with Santander Consumer USA. After paying for many years we requested the company repossess the vehicle. This was XX/XX/XXXX. At a later date we received a XX/XX/XXXX XXXX adding {$5100.00} to our XX/XX/XXXX income due to the amount of the loan adjusted off. Last month I received a XX/XX/XXXX XXXX for the SAME LOAN adding an additional {$4400.00} to my XX/XX/XXXX income for the SAME REASON FOR THE SAME LOAN. I do n't think I should be charged twice for the same loan charge/write off!!!!
When my credit was pulled on     XXXX   XXXX  2017    to purchase a new home for my family, there were  2  late payment stated on my   XXXX   credit report for  Wells Fargo Financial. T hey showed that the payments were late in both  XXXX  and  XXXX   2017 . The only late payment was in  XXXX   2017 , because I was not able to pay full amount due because I had paid my last fine payment, I can understand that. But it also showed the payment for  XXXX   2017  was also late. In  XXXX   2017 , I made  two payments, 1st one  was  on  XX/XX/XXXX  and 2nd was on  XX/XX/XXXX . the total of the two  were for the amount due of {$410.00}. I also have proof from   XX/XX/XXXX   statement that they received those payments, yet falsely reported late payment for  XX/XX/XXXX .   Being a   XXXX   XXXX   XXXX   XXXX  Veteran that my only income is my   XXXX   XXXX   and  XXXX .   This also effects my military security clearance, which I will have for the rest of my life.
We have been receiving multiple calls daily in regards to a collection. The collection amount is incorrect and we have formally in writing disputed the charges. We have also in writing asked the debt collector to no longer call us. They have continued to call both myself and my wife in addition to non involved family members. Additionally they have verbally threatened and harassed my wife in regards to the debt.
My loan with Mr.Cooper/Nationstar Mortgage is being foreclosed on. I have not received any statements on this mortgage since XX/XX/XXXX. I mailed a letter to Mr. Cooper on XXXX XXXX I notified them that the balance they has was correct and specifically which payments they were stating they have not received. I requested a current itemization of that account. I received a letter in the mail in XX/XX/XXXX notifying me that my payment amount increased in XXXX and I was never notified until that date that the payments were incorrect or a statement. They stated that in XX/XX/XXXX my payments increased from the XXXX to {$1000.00} and that in XX/XX/XXXX they payments would increase again to {$1100.00}. In the paperwork they sent a paper that said my mortgage had been transferred to them in XXXX. This paper noted that my Principal was {$160000.00}. My mortgage principal was {$140000.00} on the original note that closed on XXXX XXXX. My original P & I was {$930.00} & escrow was {$150.00}. I asked Mr. XXXX XXXX from loss mitigation with Mr. Cooper on XX/XX/XXXX and I asked him why my principal had went up. He stated it was because of escrow, which I could not understand because I thought that amount was not added to the principal. I also asked why I was not mailed statements and he said that the post office returned the mail they sent. Which I also thought was funny because I receive the loan modification information but never a statement. 
In XX/XX/XXXX I was four payments behind. I made two online payments on XXXX XXXX and I then mailed two checks to completely catch my payments up. These payments were sent back to me. This would have caught the payments up that I was behind. I contacted Mr.Cooper/Nationstar Mortgage to ask why they sent the payments back and he said it would not have cured the default because of the difference in the payment amount that started in XX/XX/XXXX that I was never notitifed of. The balance of that amount would have been {$980.00} due to the change in payments. I asked to pay the past due balance to Mr. XXXX which would have been up to XX/XX/XXXX {$7100.00} with the balance from the months that included the payment changed. He stated that I would have to pay lawyer fees now. The balance they had was incorrect. I spoke with XXXX with Mr. Cooper to get a reinstatement amount which was {$11000.00}.
i currently have a mortgage with Chase. I began a mortgage modification process in XXXX 2015 in hopes of reducing my payment as well as removing my former spouses name from the loan. I produced a quit claim deed that was filed with my XXXX courthouse, as well as legal divorce papers, tax records etc. Chase has claimed repeatedly that they didnt receive the documents and ive sent duplicates XXXX+ times at this point. The customer service reps are completely incompetent and very very rude. They have accused me of dishonesty claiming I did not send documents when I have done so over and over. I am no further in the modification process at this point then when I began. They also state that I own a business and have a pension, and required proof of XXXX. I do not own, nor have I ever owned, a business. I also do not receive or have a pension. At XXXX years old, even if I had a pension, I couldnt legally collect it at my age. Chase seems to be doing everything possible to prevent any modification of the loan. They have also refused to change my legal name on the documents or call me by my legal name, only by my former married name. The level of negligence on the part of Chase is gross and they make it impossible to modify any loan. I struggle very much to make my monthly payment and have been late on payments for the past several years. i need a modification.
My statement balance appeared as unpaid on XX/XX/XXXX, but it was paid. The bank ( Bank of America ) did not register payment until XX/XX/XXXX. The amount owed was {$310.00} and I paid {$360.00}.
After Reviewing My Equifax credit report I found their was a bankruptcy showing on my report. I first contacted the reporting agency as seen on my credit report, NJ bankruptcy court via mail. They wrote me back indicating that they have no correspondence nor do they report to any of the XXXX credit bureaus. I then contacted Equifax and requested that they validate this negative account and provided me with copies that clearly state that NJ bankruptcy court is n't reporting to their agency. I received a letter back from Equifax stating that they have validated the debt. They have not provided any such documents bearing my signature, or any documents supporting their claim to be valid. I sent Equifax certified letters on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX asking again that they validate the alleged debt and if they cant please delete the account from my report. I noted in my letter that proof of validation is a document bearing my signature, or any court documents stating that they our reporting a Bankruptcy to their agency. As of XXXX/XXXX/XXXX Equifax is still reporting bankruptcy on my credit report.
I am writing this complaint to get help with the most bizarre banking experience I have even had. Two weeks ago my online account with Wells Fargo bank was suspended for no apparent reasons. I have been contacting various Wells Fargo departments including Loss prevention to find out about the reasons for such suspension. I stayed hours and hours over the phone to get detailed information about the issue but I was only told that my account is under review for 10 business days for suspicious activities. I kept calling during the two week period but received no explanation on the whole issue. Today I went to my branch in the city of XXXX, CA ( XXXX XXXX ) to get things straighten out and find out about the whole issue. To my surprise. I was told that my accounts with the bank are being closed including my credit card account which has been in excellent status. Again, I tried to get information and details about the whole weird issue but no information was given. I e mailed Wells Fargo asking about : - What is considered suspicious? 
- What activities were considered suspicious? 
- Who did these activities? 
- Why are my banking accounts being closed? 
- Why is my credit card account being closed despite my excellent payment history and responsible use of my account? 
It is worth noting that during my two week contacts with the bank, they kept verifying my information to make sure that it was me who is calling and my accounts has not been hacked and I assumed that the suspension issue was for my protection! It ended up that I was punished with no reasons given what so ever for the decision or the nature of the problem. 
I think I have a legitimate right to know the details of what is going on. The whole issue is frustrating and weird especially since no one in the bank is willing to provide information about what is going on. I request that my XXXX accounts ( checking + saving + credit card ) be closely reviewed by a senior specialist and full explanation is given on the issue. If the bank needs any explanation or have concerns on any activity, I am more than willing to provide all the details. Adopting a tight lip policy with no information given to me is really weird and unacceptable. The activities on my accounts are really limited and I find it very perplexing to stay on the dark on issue related to my own accounts, activities, and transactions. 
I expect Wells Fargo to officially notify me of all the circumstances surrounding this mysterious issue and decisions. Given the recent scandal and turmoil in Wells Fargo bank regarding fraudulent activities by its employee and possible identity thefts, I am entitled to know all the details regarding the nature of the suspicious activities on my account and the circumstances behind the decision made by the bank. I guess it does not make any sense to be a victim twice! The issue here is far beyond closing accounts : It is all about my rights to know the facts regarding my accounts with a bank that is struggling with suspicious activities and identity thefts acts by its employees.
My credit report is showing that I was 30 days late XX/XX/2018 with my XXXX XXXX account XXXX. This was the month I did an extension and the XX/XX/XXXX payment was put on the back of the loan due to hardship. A month later I received a notification that XXXX reported my account for XX/XX/XXXX days late. When I ( and my wife ) called an spoke with customer service I was advised that it was no reporting late on their end. The customer service rep said she would put a dispute in and it would be corrected. 30 day later ( XX/XX/2018 ) it was still on my report. I ( and my wife ) called again and spoke with customer service. At that time they advised again that it was not showing late on their end and it would be sent for dispute and I would get a letter in a mail advising me of the dispute. I never received anything in the mail. So I disputed it with all 3 credit bureaus. All 3 bureaus stated that the information was investigated and deemed correct. So at this point I am filing a complaint. XXXX is advising me over the phone that it is not showing late in their system. But no one wants to remove it from my credit report and this is causing for me to have issues getting a mortgage due to the late payment and the points on my credit report is not increasing due this late payment. When I have talked to the
Back in XX/XX/XXXX and XX/XX/XXXX, at Cathay Bank XXXX XXXX  Branch, Ms. XXXX XXXX  recommended and persuaded me to purchase the XXXX ( {$40000.00} ) & XXXX XXXX ( {$30000.00} ) XXXX. Later on, the Financial Consultant - Mr. XXXX XXXX signature appeared on my investment papers but I have never met with XXXX nor had any advice from him. Recently I was surprised to find out that XXXX XXXX only received her Series 7 license in XX/XX/XXXX. That means XXXX XXXX  sold both investment products to me without a formal government authorized license. 
Specifically, XXXX XXXX  and XXXX XXXX have made false and misleading statements and failed to disclose important terms and conditions to me by : ( i ) Saying products were " principal guaranteed and 100 % redeemable after 4 years '' ( ii ) Did not mention products were illiquid investment nor mentioned the company could change dividend & redemption policy ( iii ) Indicating that all papers signed or initialed were just standard model language without explaining that if there were certain terms and conditions could negatively impact investor 's financial well-being or disclosed any risks involved ( iv ) The new account application form overstated my account profile such as investment experience, annual income, net worth, etc., by Cathay Bank ( v ) All the dates on the Investment Acknowledgement form of XXXX XXXX were not conducted by me. 
( vi ) XXXX XXXX  was not properly licensed to sell and/or advise the investment products back in XXXX and XXXX. 

The share value of XXXX has dropped to $ XXXXshare from my purchase price ( $ XXXXshare ) and the dividends were cut down 50 % starting from XX/XX/XXXX. The worst of all, starting from XXXX XXXX, a notice indicated that shares can be only repurchased in connection with a stockholders death or qualifying disability, which totally altered the products original investment nature and features. Share value of XXXX XXXX also dropped significantly and dividends were suspended. 

I filed a complaint letter dated XX/XX/XXXX to Mr. XXXX XXXX the President at Cathay Bank and it was forwarded to XXXX XXXX XXXX ( Brokerage firm on the premises of Cathay Bank ). I received a reply letter dated XXXX XXXX from XXXX XXXX ( Compliance Analyst, XXXX XXXX XXXX ) simply based on XXXX & XXXX stories and quoting application form and documents bearing my signature and initials to deny my statement regarding their wrongdoings. The way they are doing is to just simply delayed the response and never tried to work out a fair and positive solution. Im willing to do the face to face confrontation with XXXX and XXXX. I could not agree or accept the result and I feel this whole thing has been a deceptive and misleading business practice which could be a case of UDAAP violation. I am very disappointed that Cathay Bank senior managers did not fulfill their supervisory responsibilities and XXXX XXXX XXXX did not offer any positive support to customers to resolve issues. 
I'm fighting for my right to redeem the investments after 4 years of holding ( which would be fulfilled as of XX/XX/XXXX & XX/XX/XXXX ) and the guaranteed 100 % principal as XXXX XXXX  conveyed me.
I was sued by Zakheim Law Group allegedly representing XXXX XXXX on a credit card debt XX/XX/XXXX- case # XXXX XXXX XXXX XXXX XXXX . I answered ( pro-se ) alleging they had no standing as they did not appear to have been actually authorized by XXXX to represent them. Subsequently they filed an affidavit ( 149 pages ) containing my complete account records for over 2 years including the unredacted account # s and ID of various medical and other accounts. After losing my case and my counterclaim I was told by the Court that I could file to have this data redacted. This was not the case as I do not qualify for that and I am not permitted to have this filing made private as that is something only the plaintiff is allowed to do. I had notified Zakheim on XX/XX/XXXX in  my answer that I am a widow on a fixed income from SS and a small pension and exempt from any possible garnishment or attachment as I have no assailable assets. Zakheim proceeded to obtain some sort of authorization in XX/XX/XXXX to actually represent XXXX and proceeded to obtain and record a judgment against me, as well as proceeding to file judgments in several other cases that were in the same Court that were still open and had no activity for 3-6 Months prior. It is my contention that Zakheim had used the Court as a collection agent in many cases without actually at the time of filing being authorized to do so. In addition the publication of my account records including the names and account # s of various medical payees is a violation of my privacy rights under HIPAA.
I was issued a check from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The commission check in the amount of {$5000.00} U.S.D. was deposited into my J.P.Morgan Chase Checking Account on XX/XX/XXXX. The Check Cleared the XXXX XXXX and the funds were available on XX/XX/XXXX. No Problem.

On XX/XX/XXXX I notified the XXXX Branch Bank Manager XXXX XXXX that there was Fraud on my Chase Checking Account in the Amount of {$5000.00} U.S.D. That there was an International Debit-Online Transfer that was not authorized and this was a Fraudulent Transaction. I closed the checking account that day with XXXX XXXX and opened up a New Checking Account with Chase on XX/XX/XXXX. I have since been put into International Collections and there has been no proof from J.P.Morgan Chase as to where the funds were transferred to? No copy of a wire transfer confirmation. Nothing showing the routing information for the proof of where the funds were sent. Chase is claiming that the check from XXXX XXXX XXXX was returned for NSF. I have been in constant contact with this company who I have done business with for over twenty years and they have confirmed that the check was cleared on XX/XX/XXXX from their account and their Bank has never requested the funds be returned or have they ever received any funds back from this Fraudulent J.P.Morgan Chase Transaction. No One at Chase seems to care where the funds were wired to or if they were received and by who? I have a long email string with XXXX XXXX-Chase and XXXX XXXX-XXXX XXXX who has produced two documents from their bank Desjardins showing the check was cleared and processed on XX/XX/XXXX. I need J.P.Morgan Chase Bank to return the Funds I have in the closed checking account along with the fees I have incurred from other banks for missed automatic payments that have been set up on the chase checking account. I have had this Chase checking account since XX/XX/XXXX with no problems. And as soon as I do have a Fraud Alert for them they have no interest to help me and that is why I am asking for your help. Thank You. XXXX XXXX.
I made two purchases in XX/XX/2017 that fell under a promotion that Navy Federal Credit Union was running that advertised 0.0 % APR for 6 months on purchases of $ XXXX and 12 months on purchases over {$1000.00}. Since that time, I have made payments on the account that covered the purchases made that period with no balance forwarded other than the promotional purchases, otherwise referred to as the revolving balance by other credit card companies. Navy Federal Credit Union VISA is stating that because I didn't bay the statement balance ( purchases + promotional balance ) in full, I am subject to interest on the average daily balance minus the promotional 0 % APR amount.

VISA has " duped '' the customer by advertising a 0 % APR promotion and then charging interest on the average daily balance of the account when that promotional balance hasn't been paid in full because they are including it in the statement balance. 

I called the Customer Service Line inXX/XX/XXXX and the interest charges from theXX/XX/XXXX and XXXX statements were credited back to me. However, they continue to charge me interest because I haven't paid the statement balance, even though I have paid more than the purchases that period and contribute to the reduction of the promotional balance. 

Based on experience with other credit cards through stores such as XXXX XXXX and XXXX 's, I don't understand how I can be charged interest because I haven't paid off the balance of a purchase that has a 0 % APR. That promotional balance should be separated from the revolving balance, and if that revolving balance is not paid in full I would completely understand being charged the interest.
This is the same debt that was from another Collection Agency, Southwest Credit, that was originally hired by XXXX for a payment of XXXX USD. This debt was carried over, even though the payment has already been paid last year. 

XXXX XXXX XXXX is the new collection agency that is trying to get me to pay money that I do not owe, that was passed from one collection agency to another
After researching online for best CD rates - I chose to open an account with E-Loan - an online business. As an online business - account holders are to have 24 hour online access to all accounts. The process was simple enough. However, after opening the account ( for & XXXX ) I was unable to log in using the information credentials that were supposedly on record. I have tried several times ( as soon as 1 day after opening account ) to just get my initial investment of {$25000.00} refunded to the XXXX Bank account from which it was transferred - because an online bank ( CD ) account that can not be readily accessed is unacceptable. E-Loan wants to charge me 2 years interest - even though zero interest had been earned at that time. They also told me that no time frame was available for when they might " fix '' the log-in problem! The account was opened on XXXX/XXXX/15 and I filed a complaint with the XXXX on XXXX/XXXX/15 after not being able to log-in. XXXX complaint number XXXX.
Experian is reporting 4 student loans from XX/XX/XXXX, XX/XX/XXXX and ( 2 ) XX/XX/XXXX on my report as in Bankruptcy. This information is incorrect, the account should show XXXX balance paid in full. 

I've contacted XXXX who informed me that the information they reported in a XXXX balance and paid in full. Experian is reporting false information. This information is being reported and adverse information on my credit report.
I was subscribed to the Equifax XXXX XXXX plan credit monitoring service. I chose to cancel this membership due to the fact that my personal information was compromised during a security breach at Equifax. I feel that I should not pay for a service that is suppose to protect me from these type of events, if the company providing the service can not protect my information. So I chose to cancel. My credit card was billed on XXXX/XXXX/XXXX and I cancelled my service on XXXX/XXXX/XXXX. Equifax refuses to refund my payment which was for a full month of service, even though It was only used for 1 day. That is not ethical for a company to charge you for services they never provided. That is basically stealing. Equifax has refused to return my money, and have no valid reason why they can not refund my money.