WillisBack/dataset-financial-user-claim huggingface dataset:
We contacted the bank and gave them the following information : There was {$4500.00} charge that we put on a credit card for a rate lock at the end of   XX/XX/XXXX that  was not shown as a fee paid on the debit side of the closing statement. We understand we were credited for it, however if this is added to the debit side the remaining amount of  the Capital con tribution to HOA fees would have been reduced to {$1100.00} and our due from buyer amount reduced to {$220000.00}. Total debits should equal {$14000.00} vs. the {$10000.00} noted on the closing statement and the credit amount would show at {$15000.00}.   I will anticipate your reconcilement and answer to my question re : why the {$4500.00} is not shown on the settlement statement ASAP, and why the closing estimate YOU ( EverBank  ) pr ovided us that we had to sign states Cash to Close from Borrower {$210000.00} vs what is on the   XXXX   XXXX    XXXX  Statement of {$220000.00}.  <P/> We contacted the Bank in an attempt to reconcile this prior to closing our loan on  XX/XX/XXXX . We did not receive a response from the loan officer, rather an email receipt that the email was not read, however, we did hear from his boss, and we were told yes, he agreed, this issue has come up before and was resolved in the buyer 's favor, however, the accounting department of the bank said that this is just " how they do things '', and it was not resolved. We believe we overpaid due from buyer {$4500.00}.  <P/> Please note : this i s one of many, many problems we encountered with EverBank in their unprofessional, misleading,  and deceptive loan process. Some of the issues were : - Incorrect title on documents that had to be corrected prior to signing - In accurate appraisal with lack of details,  XXXX  square footage left off of overall square footage, and when questioned, we were told " that is the way they do it '', even though the seller and our realtor questioned also - Incorrect evidence of credit card disputes - Misquoted escrow fees that had to be adjusted - Requirement to submit tax returns prior to  XX/XX/XXXX  in order for them to verify or " loan may not close on time '' - Requested information was questioned, they responded " jus do what we say '' - Misquoting regulatory guidance, specifically  Dodd Frank, when the " requirement '' was their policy, not Dodd Frank - Total lack of understanding o f accounting for a small business - Unreasonable ongoing requests from underwriter - numerous, numerous requests when all information provided, on several occasions - Total lack of knowledge of Professional Employment Organizations that small businesses use - EverBank told us that if we put the down payment in their account, they could merely transfer the funds at closing. This was not true. When it came down to it, we still had to wire the funds. Again, deceptive, confusing, uninformed information given to the consumer.  <P/> Shall we file separate claims on each of these items?
I have no idea who these people are and they report some debt to all XXXX credit reporting bureaus and call my cell phone all the time and leave threatening messages of arrest warrants and even come to my place of employment!
Last year Ocwen did the same thing and the XXXX contacted them and part of the issue resolved. I have HAMP and my loan goes to 4 % this year. The amount I pay now is XXXX. My amount should not go to XXXX. Effective XXXX/XXXX/XXXX they want me to pay XXXX which is understandable, but as of XXXX/XXXX/XXXX to pay XXXX. Ocwen told me to pay in the amount of XXXX for my Escrow account and I did and they said that would cover everything. The first letter I received in the mail states I will be paying XXXX which is not correct. The XXXX highest amounts are incorrect. My Escrow account has a balance of XXXX, why did I still have to send money to cover Escrow. Ocwen has been cheating home owners for a long time, if I do n't check behind them this will continue. Ocwen raised my monthly amount before the five years was up to XXXX whereas the agreement with HAMP was XXXX monthly for five years. When you call to talk to them they say their going to investigate the situation but nothing is done, only a letter with a higher monthly payment. On their site when I check the principal and interest amounts its not the same reported to me. The amount I should be paying for XX/XX/XXXX is XXXX. How are they calculating wrong amounts with monies still in Escrow from XX/XX/XXXX. This company has been nothing but problems since they bought my loan from XXXX. Why is it they can do what they want and get away with it. I 'm a senior citizen paying bills on time and tired of the headaches Ocwen has caused me. On my credit report Ocwen states they were part of a bankruptcy which is not true they were only sent a notice of filing and they were not included, that 's when they started charging me XXXX, which they were not suppose to. This is an ongoing problem with mortgage companies like them. PLEASE HELP
I have been called by this company five different times today, XX/XX/18 - XXXX, XXXX, XXXX, XXXX, and XXXX. They never leave a voicemail stating who they are or why they are calling. It is only through research that I discovered it is related to a late payment I have with PayPal. I have blocked this number on my XXXX yet their phone calls continue to come through.
I am livid how Wells Fargo has handle my loan. I have tried to re-apply for a modification numerals times and Wells Fargo refuses to review my loan for a modification. I have tried to work directly with them but they have hang up my call many times when I start questioning them in regards to my loan. I do not want to lose my house I have an active sale date for XXXX/XXXX/16. Wells Fargo refused to withdraw the mortgage payment out of the automatic system, my cousin XXXX had activated before he pass. It has been really stressful to keep up with the mortgage payment because I was paying half of the mortgage when my cousin was alive.
General Motors is reporting a debt that is more than 7 years old. The debt was incurred in XXXX 2009 and is more than 7 years old and should be deleted from the credit reporting agencies. 

Under the FCRA 15 U.S.C. 1681c, an account in collection can appear on a consumer 's credit report for 7 and a half years from the date of first delinquency on the account. Subsequent activity is irrelevant to the seven-year period.
As a XXXX customer, my personal information was involved in a data breach at Experian. As a result of said breach, Experian offered a lifetime of credit monitoring through it 's subsidiary, XXXX. I signed up for this offer for my personal data being breached in XXXX 2015. I was given the following Experian XXXX Number : Experian 's XXXX Customer Number : XXXX Upon opening the account, I was given access to my Experian credit report and alleged activation of monitoring services was required for me to set up. 

XXXX XXXX, 2015 I signed into my XXXX account and was surprised to see that the credit report I pulled in XXXX was deleted, showing in my account as " No credit report available '' although I pulled it in XXXX 2015 and in my archived credit reports section it shows " no credit reports archived '' although I had XXXX pulled in XXXX 2015. 

Experian left a customer service phone number of XXXX, but it only lead to pre recorded messages. I then noted that another number flash XXXX XXXX XXXX which disappeared. I called that number and reached a Experian person that stated they delete the credit reports from pulls and archives after 30 days and I can buy a new XXXX for {$9.00} from them. 
I was shocked to hear this as I am entitled to my previously pulled credit report. She ( XXXX customer representative ) stated I was not and I requested a supervisor. 
The supervisor said they delete all reports after 30 days although there is a archived section on my account. It appears this not available to consumers effected by the Experian/ XXXX breach and they are trying to upsell me furthering effecting me due to this breach. I asked the supervisor how I can get my previous XXXX report and I was told that I could go to free annual credit report or buy a report from them. 
I stated they were breaking several of the FCRA laws and I was hung up on.
I have been leasing cars from XXXX XXXX for the last ten years. I have never had any plate payments. Last XX/XX/2018, XXXX XXXX inaccurately placed a 30 days late payment on my account when I had autopay, as well as I never received a notification, or a call that the payment was late! 
When I found out around 25 days later as I was checking online to get a payoff information as my lease was coming to an end, I called XXXX XXXX to ask why there is a late payment and why there is a late fee on my account, when I have auto pay and I never received notification from them regarding late payment as they are obligated to do so per my online registration agreement, he replied from me not to worry as the payment is not more then 30 days late, and credited back my account the late fee. I advised him that I will make a double payment to take care of the late payment, witch I paid online right away. 
I mailed a letter to XXXX XXXX explaining what happened and that I don't have time to always check my online account as I am an XXXX XXXX, they refused to remove it witch is effecting my credit score by more then 50 points. Had they called my Phone number on file, or email me to inform me of a late payment as they are obligated to do so, this would have never happened. 

They also have inaccurate information on my online account. When I sign in, they have a different first name witch doesn't belong to me. I advised them on many occasions and still they never corrected the issue, even as of this date, when I sign in to my online account, it shows a different name. This could be related to why the autopay was stopped. 
Thank you for your time and assistance!
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.
The credit account was opened, in XX/XX/XXXX after a solicitation was sent to my home address. there was a required processing fee and annual fee, that came directly out of the initial credit limit of {$300.00}. The first months payment was made in full, and on-time XX/XX/XXXX. An automatic payment schedule was created, to pay the entire statement balance that was to take place before the due date, of the XXXX of each month. After using the card, and accumulating a balance due on the XX/XX/XXXX bill, I continued to check to see when the automatic payment was going to take place. On the XX/XX/XXXX, I checked, and did not see the automatic payment going through, so I made a payment using my debit card, to ensure no late payments on the account. Shortly after making the debit card payment, I received an email, stating that the automatic payment was going to take place, and that there was nothing I could do to pay it. two payements were made, in the amount of XXXX on XX/XX/XXXX, which over-paid the account. 

On the XX/XX/XXXX, I checked my account, and noticed that NONE of the funds I had paid, were available, to find out that the accounts restricted as a result of the overpayment. I instructed the company to close the account, and send me a refund. They stated the account would be closed. I called back 3-5 days later, to inquire about when they would be sending me a refund check for the overpayment, to find out the account had not yet been closed. the funds from the ACH automatic payment, had not been verified, and took up to 21 business days. after a long phone call, I was finally able to get the to verify the funds with my bank, who verified that the funds had come out of the account, and could not be reversed. customer service stated the account had been closed, and that the refund check would be sent out. I have called no less than 5 times since XX/XX/XXXX, to inquire about the account being closed, to continue to get different answers about the account being closed, and a refund check being sent out. some have said it takes 30 days to be sent to accounting and 30 days for accounting to issue a refund check, and some have said 14 days total.
There are many inquiries on my XXXX credit report I do not recognize some from XXXX bank, XXXX XXXX, XXXX, and Bank of America.
I lived from XXXX till XXXX in the apartment complex XXXX XXXX, XXXX, TX. This apartment complex was bought at the end of XXXX by XXXX XXXX XXXX. Upon leaving the apartment during XXXX XXXX I was told that my deposit would be affected towards the cleaning fee and I provided my new address in case they needed anything. A few months ago I pull my credit report and found that National Credit Systems , Inc. is reporting a debt of {$180.00}. I would have payed that amount of money without problem if I would had been notified and the debt had been validated. In exchange, the XXXX notice i got from a debt that I do not know why I am being charged came from my credit report. This is causing a great harm to my credit history, and I have n't been able to get a mortgage because of it. I requested 25 days ago a debt validation notice and proof that they attempted to collect the debt before reporting it to the credit bureaus. I 've got nothing. I feel frustrated and unprotected from this company.
I contacted the WF with the issue below and I was informed that the issue will be addressed. It wasn't. 
1 ) Charge to card of foreign transaction fees. 
In XX/XX/XXXX I called WF and inquired if the card carries foreign transaction fees. As I was told it doesn't I have used the card during my trip in XXXX in XX/XX/2017. 
I was told by the CSR that I was misinformed and that the fees will be refunded. They were not. 
2 ) Foreign Currency ( MXN to US $ exchange fee ). The listing in T & C I inquired after the transactions were conducted that the WF takes its fee from the average of the market spot rate trading day. However the lowest of the trading band for MXN to US $ was at the lowest XXXX with the highest on XXXX ( XX/XX/2017 ) so the questions I have to WF are as follow : why the transactions have applied rates of outside of the trading band for that day : XXXX, XXXX, XXXX, XXXX which point to WF gaming the exchange rate in its favor without proper disclosure and detriment to consumers. 

3. Account bonus issue. As per disclosed marketing agreement by WF the account will receive a {$200.00} credit bonus after its initial {$1000.00} or more purchase threshold. Although I have met and exceeded this qualifier the {$200.00} credit has not been posted contrary to the credit card offer.
On XX/XX/2018, I received a letter from XXXX XXXX XXXX   stating that they were trying to collect a debt of {$750.00}. They have the wrong person. I have never heard of the Creditor, they spelled my name wrong and they have the wrong middle initial. This happened a few years ago and I simple called them and explained they have the wrong guy. 
So I thought I would do that again. Big mistake!!! Calling their # sends you to some kind of phone XXXX site. Now they have my # and call 3-4 times a day. 
Their # is XXXX Can you make them stop?? 

Thank you XXXX XXXX
The credit information provided does match up with my personal information also i have previous knowledge of the inappropriate information on my credit report. Would like resolve this matter so it will no longer affect my scores in the near future thank you.
I transferred {$220.00} to my sub account and another {$220.00} was taken out of my account and there was no transaction or anything it just disappeared. After spending 2 hours on the phone with different reps and having them add up all of my transactions one rep finally called someone else and I was then told that it was a known issue and they will open up a ticket
Syncb/Walmart issued new cards with the new security chip through Mastercard instead of the store name card. When doing so, they created a new account with no credit history and reported these accounts to the credit agencies. This in turn caused a major drop in my credit score because they transferred the balance to the new account but not the 10 year payment history on the card. This is an unfair practice and they will NOT fix it. I spoke with syncb and the supervisor " XXXX '' who told me there is nothing that can be done about the problem. According to them, since this is a new account with the new company they report it that way. If they are allowed to move the balance, they should also be required to transfer the payment history as well.
According to my credit report from XXXX, I have an open collection from Penn Credit Corporation which I have no knowledge of.
Malcolm S Gerald & Associates XXXX has been repeatedly calling me from the number XXXX XXXX XXXX. They keep asking for Date of Birth, without even specify purpose of the desired call. It is very annoying for repeatedly being contacted with no specific reason.
Experian is reporting parking tickets and refuses to remove them. It is now XXXX XXXX and they still refuse to remove them. Exp and the other CRAs are all signatories to a settlement with the DA of XXXX and have legally agreed not to list fines and so forth that are not the result of an official contract entered into by the account holder, specifically library and other city fines such as parking tickets. I have sent them information on this settlement with XXXX DA XXXX ( XXXX ). The settlement was to go into effect in stages and the stage where they were to remove parking tickets et al was to take place on XXXX XXXX 2016. Experian is now in violation of that legal settlement yet refuses to remove the items.
Chase Bank has over the course of the last few years had me to not only fax information into their center and to set up the automatic deduction monthly on their Chase website, but has failed to to set up the auto deductions at all. It has taken me over 56 attempts to fix this issue. Each time I have called Chase Banks Customer Service has been unprofessional and rude. I have requested numerous times to have a Manager outside the customer service call center contact me in regards to my account to discuss the neglect of Chase Bank Employee 's to actually do their job over the course of the last 1.5 years. When I called on or about XX/XX/XXXX / XXXX 2017 as I was online I discussed with the customer service representative and verified that the minimal amount for payment is checked for my XXXX 2017 payment and was told, YES I WAS GOOD! Then on XXXX XXXX 2017, Chase bank attempted to process the entire amount due on my credit card for an estimated amount of {$4600.00} which of course came back as an NSF due to them changing or lying to me about them seeing the minimal amount payment to process. Every time I log onto Chase Bank I am having to change my password, and if you are late on a payment they lock you out of your account and wo n't process unless you call them directly, or they harass the customer and call numerous times to collect all the money they are owed. No Manager has ever called back during this whole time to discuss these issues with me and depending on the manager that is in the call center a customer will get either a response that the manager will call within 24 hours / 24 to 48 hours / or 24 to 72 hours of the manager which choses to not call because it is not worth their time and energy, but I have had to spend countless hours on the phone with this Chase Bank.
On or about the XX/XX/XXXX I paid off a retail account I had with Wells Fargo Bank, the bank in return closed the account which they should have. Several days later there was a new retail account opened in my name by wells Fargo Bank for XXXX dollars without my knowledge or consent. I contacted wells Fargo and spoke to a representative from their retail department who told me that the personal information I provided did n't match what they had for my date of birth and she updated it. I asked her who opened the account and she said it was so I could shop with their approved merchants and could only be used with them that it was not a regular credit card. I told her to closee the account and she said come on do n't you want to keep it and I told her it was a fraudulent account done without my consent aND she read off some prepared statement about how closing the account would impact on my credit which it did.
Ditech in XXXX, Calif. refuses to credit my principal payment of XXXX, they received and cashed on XXXX XXXX, 2017, they continue to say they never got payment OVER PHONE AND ON THEIR WEB SITE, even though I faxed them cancelled check, the check had the account no. and property address on it too. This seems illegal and not fair to me.
I have an account with XXXX Bank which is for use at Pier XXXX imports. I received a late payment for a balance of {$5.00}. I wrote the bank and I had it removed XXXX. It is still reporting on Experian and they are not removing it. I in good faith thought I paid the account off. Some how there was a {$5.00} interest charge that was billed and which I did n't receive. I believe that this should n't be considered a late payment. Letter to XXXX Bank Attached
Starting onXX/XX/XXXX, my personal and business accounts at Chase Bank were frozen, and I have since learned that they were fully liquidated, with all my money being sent to XXXX. There was roughly {$27000.00} in my business account, XXXX XXXX XXXX. In my personal account, named XXXX XXXX XXXX  and XXXX XXXX XXXX, we had our paychecks in there and this amount was roughly {$16000.00} at the time. On the evening of XXXX XXXX, my wife and son left for a 4 week trip to XXXX, with all the accounts frozen. I was to follow, but ca n't now. This all our free cash, and we need it, bills are mounting.
On XXXX XXXX or XXXX, a trust account from US based law firm XXXX XXXX sent me {$870000.00} from their XXXX account to my XXXX XXXX XXXX Chase account. This wire was done to fund a real estate transaction, on behalf of their client. My fee for assisting in the real estate matter is 3 % ( of all amounts ) or {$26000.00} in this instance. My fee is non-refundable. I then wired {$840000.00} out on behalf of that client.
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Four or five days after I executed the transaction, a suspicious activity alert was sent to Chase, and both my accounts were frozen, then drained. No one consulted me in this process. I called both banks numerous times and never got much information out of them, about who did what. I also sent them both faxes, stating I have paperwork on the transaction and client in common. XXXX stole all my family 's money. I also submitted a compliant against XXXX to Ic3.gov and will be calling the FBI. I have in my possession a signed contract, emails, a drivers license and a passport.
I also lodged complaints against XXXX and Chase with the OCC.
<P/>
I was calm for the first few days, as I thought it would get sorted out as Chase told me they would send me all the funds in my personal account, after closing it. I could live on that, while the business transaction was researched. Chase also told me to call XXXX XXXX at XXXX and he would clear it up and allow Chase to release my assets. XXXX never responded to me, but I finally got to speak with XXXX XXXX, there. XXXX told me I am not a XXXX client and they ca n't speak with me. He told me to call Chase and Chase should have known better. I have noted all the calls with the banks, client and have emails and a paper trail. I would had complained much sooner to the authorities, but Chase kept stringing me along, as I mentioned. They also said I would have it all back within 10 business days. The Law firm & the banks needs to give me all my money back. I was a 25 year client with Chase, and this madness.