WillisBack/dataset-financial-user-claim huggingface dataset:
This is a complaint in response to a previous complaint # XXXX : ( You can reference this prior complaint to access the details. ) This is a follow up complaint against Bank of America for closing our newly opened joint checking account. My original call to the bank about this resulted in speaking with someone who told me that they had decided to cancel/close the checking account, and that they did not have to give any reason for doing so. I was also told that we could NEVER open another account with BofA again, ever! But, I was told that I could keep my BofA XXXX card with a {$40000.00} limit ( which, by the way, has a {$0.00} balance )! It was at this point that I filed the first complaint with CFPB. In response to this complaint, I did receive a return call from Bank of America, but their response was what they originally said, that is, " We don't have to give a reason for closing your checking account. '' However, the representative did suggest that we should order our reports from XXXX, and that should show what the reason was. He also said we could try to open an account again, which is in direct contradiction to what we were told before. We received our XXXX reports and they show nothing in regard to any reason for Bank of America closing our account.

Therefore, I contacted Bank of America again and was directed to call the Risk Department at phone # XXXX. I spoke with several different people and eventually ended up with XXXX who, after listening to my issue, put me on hold for 26 minutes, only to come back and tell me the scripted answer " We don't have to tell you the reason for closing your account. '' This answer, which is not really an answer, is totally unacceptable. Since the XXXX reports showed no cause for termination, we can only assume that we have been discriminated against. I will extend to Bank of America 2 weeks from the date of this complaint to respond with an actual explanation and an apology. I believe it is my right to know why I would have a checking account closed. I have no outstanding bills or credit lines, etc ... and have a FICO score in excess of XXXX. I also had been a BofA customer for over 30 years with several accounts that never had an issue. How do I know if my information may have been confused with someone else? Or did some BofA employee just decide they didn't like something in my information and made the decision to close the account? If so, why can't they tell me what the determining factor was? Or was there no actual reason other than someone's whim to discriminate against us for some reason? If this attempt does not resolve with an acceptable answer, my next recourse will be legal action and social media exposure.
After the Equifax breach I am trying to place a freeze on my credit as my information has been compromised. I am unable to place a freeze as the site keeps crashing for all credit reporting agencies and I also can not obtain a current credit report due to the same issue. If my identity is stolen in the time that I am continually unable to reach the very company that allowed it to happen then I will be the one punished not the company and it I am not interested in having my finances disrupted with my XXXX XXXX  on the way.
I sent a letter on XX/XX/18 and again on XX/XX/18 asking for Debt Validation as I don't know what this debt is for. As of today, XX/XX/XXXX, I have not received ANY documents stating that it is a valid debt.
Recently I came across two XXXX Certificates of Deposit ( {$80000.00} ea. ) in the family safe deposit box. I contacted Wells Fargo Bank on XX/XX/XXXX, provided requested information and they opened an Investigative Case, No. XXXX. Wells Fargo has responded to me on several occasions regarding this case with supposition and conjecture but provided nothing regarding the disposition of the CD 's or the funds. All that they have told me is that they keep inadequate records for older CD 's. I have checked Unclaimed Property with the State of California and found nothing. I want Wells Fargo to show me proof for the disposition of these CD 's. I will not accept assumptions or the conjecture that they have thus far provided. I would also like CFPB to stop the unreasonable delays and superfluous correspondence that Wells Fargo has been perpetrating on me in this matter.
XXXX XXXX XXXX XXXX XXXX XXXX calls 30 times a day from different state phone numbers late at night early Sunday mornings non stop harrassment.
I established a HELOC on XXXX/XXXX/XXXX with XXXX XXXX. It is now serviced by Ocwen. It was a 30 year term with a 10 year draw period for a principal amount of {$100000.00}. After the draw period expired, the repayment period began with a 20 year repayment period. On XXXX/XXXX/XXXX I made a payment of {$360.00} as that was showing as due for XXXX/XXXX/XXXX. I am trying to pay my mortgages ahead. As the documents will show, this payment has been changed and applied 9 times. They now show that payment as a principal payment, with an approximate balance of {$100000.00}. I never requested this to go as a principal payment. My 2nd issue is that my payment due for XXXX/XXXX/XXXX now shows {$770.00}. At the current rate of 4.25 % for a 20 year payback, The payment should fall in the mid {$600.00} range, I have attached a calculation. I have emailed Ocwen many times with no response. Calling their customer service is a joke. Per the emails sent I attached, I have requested an explanation with no response. I need your assistance. I have attached a verification of mortgage to show diligent payment history with no late payments. I refuse to make another payment until they justify the payment and the terms of this loan. I have attached the note and mortgage as well. Thank you.
My account with Coinbase has been " temporarily disabled '' since XX/XX/2018. 

My account was frozen by Coinbase after I reported a 3rd party was attempting to access my account. 

In the last 4 weeks I have emailed and called on numerous occasions, trying to have this restriction removed. Support staff keep telling me " specialists '' are looking at my case. Apparently these " specialists '' only operate via email and the support staff has no way to contact them. 

I have several thousand dollars being held captive by Coinbase and I feel nothing is being done to resolve my issue.
I contacted Equifax to have them remove an account on my credit report that does not belong to me and was re-aged. Equifax stated that this " time-barred '' account would remain on my credit report.
The company that purchased my home equity load which was discharged through bankruptcy six years ago has contacted me and told me that my debt was satisfied through some government program and that they were sending documents to city register to remove the lien from my property. I had to sign some Dodd Frank form and forward it to them. I did that. This was back in the beginning of XXXX. Since then I have checking acris.nyc.gov website to see if the lien was removed but nothing happens. I have contacted the company numerous times and each time they are telling me that the paperwork has been submitted but nothing happens. I went down to the city department that handles the liens and they told me that it takes 5 weeks to process a record. It has been way longer and I am afraid that this is some kind of scam.
Dear CFPB : I 'm a resident in XXXX, Washington and a mortgage holder/home owner who has questioned the need for continued PMI insurance with US Bank, my mortgage holder, for the past two+ years when I learned the government is changing the rules regarding PMI. I fully accept the rationale for the insurance when my deceased husband and I refinanced our home in XXXX XXXX. At the time our loan to value ratio did not meet the requirement. We were satisfied with the 3.75 % interest rate and considering my husband was XXXX we were seeking a way to lower the monthly payment to prepare for me being solely responsible for debt should he die since his life insurance would not pay off the mortgage upon his passing. We did get an FHA loan. My specific complaint has arisen because I get constant solicitations in the mail and over the phone to refinance my home which continues to increase in value including solicitations from my mortgage holder US Bank. I owe {$410000.00} on my loan. My monthly payment consists of {$810.00} principal, {$1300.00} interest, {$450.00} tax, {$160.00} insurance and {$380.00} mortgage insurance. The county assessor has recently increased my home 's value from {$560000.00} to {$690000.00}. Obviously, I 'm pleased to see the value of my home increase. With this new information from the county assessor and looking at homes in my neighborhood selling for more than {$700000.00} I 've again asked US Bank for relief of the PMI. Again I was told no. But, I could refinance and move into a conventional loan which would mean more fees paid to US Bank and a likely loss of the 3.75 % interest rate due to my annual income being less than it was. I 'm topld because my loan is an FHA loan and not a conventional loan I can not simply drop the PMI. I 'm also told should I continue to pay on time until XXXX XXXX, which I have never been late with a payment in history of me holding the loan, will the PMI be dropped. My house hold income is less than 50 % of what it was when my husband was living. I 'm seeking relief of the PMI and would be thrilled if there was a way to get a refund on what I 've paid into US Bank since the government changed the rules on PMI. Its difficult for me to understand the rationale of a relief on a conventional loan, but not an FHA loan. That makes no sense if the government is trying to help mortgage holders like me. Can you please help me understand why?
This item was placed on my credit report as a result of identity theft. I disputed this with the company and they sent me the attached response which I have screen shotted and attached.
I am a authorized third party on my moms account. i have made her mortgage payments for over the last 2 years. my computer updated tonight and needed to verify it was an authorized computer. I called the help number given on the website, confirmed that i am on all account and asked for the confirmation code to make the payment. i was told that they could not help me as a authorized third party with this issue. I offered to confirm my information as long as hers. But ulitimaly was denied. As an authorized third party I should have access to all information.
We have a credit card with Barclay 's that we recently opened. We purchased about XXXX of goods and services and paid them off within 5 days of making the purchases. We then used their online system to pay them to full amount owed ( about XXXX ). We did this with the understanding that we would have access to the revolving credit line to cover cash flow. The have placed a 10 day hold on the account even though they have been paid in full and the bank account that paid them has already paid them. While these terms are in the user agreement, these terms were not disclosed in the application or in anyway until after this issue was discovered. They failed to release the hold and this puts my family in a difficult position as we paid them expecting to be able to finance our daily lives using this card. I believe that this practice is illegal as they have already received full consideration and have the money in hand. These sorts of practices are a way for them to hassle people and to make sure we know that the bank is boss. You guys should do something. I know you wo n't. But you should.
I was a victim of fraud charges on my Macy 's American Express card from XXXX. I filed a police report and completed a Statement of Fraud that I was asked to complete. I received XXXX documents that could be found under documents on their site : 1 ) dated XXXX/XXXX/15 that stated that the fraud investigation had been completed and the disputed charges would be removed and 2 ) that stated as a result of my inquiry that I would be receiving a refund within 2 billing cycles. I received these refunds XX/XX/XXXX via electronic fund transfer and a check respectively. 

I received XXXX statements that again stated I owed these amounts. On XX/XX/XXXX, I contacted customer service and was told to not worry that I do not owe these amounts, and that the statements would be corrected to show this. I took off AutoPay, and closed my account completely. On XX/XX/XXXX, I received a reply to my question through their site about these amounts due and was told that the investigation was ongoing (? ) despite having received the letter that it was completed but even so I would not owe any monies while the investigation continued. An AutoPay was withdrawn from my bank account on XXXX/XXXX/15 for the amount of {$2500.00} despite all this. I would like my monies back. I have been dealing with this issue for almost six months.
I was contacted with a voicemail informing me that I was going to be served papers between 3 and 5 the next day, that I needed to have photo ID and my supervisor would need to be present. This call came from a private number and a caller identifying herself as XXXX XXXX ( I have the voicemail recorded ). 

She gave me the number of XXXX XXXX, at XXXX. I contacted him and was told they were trying to collect a debt from 2007 ( 11 years ago ) from USBank.  Unfortunately, I fell for the tactic, gave my debit card and they immediately charged {$650.00}, and had a payment plan for 13 charges of {$120.00} for a total of {$2300.00}. 

During the call, I asked if I could speak to counsel and call them back. XXXX indicated that I had signed a contract with USBank that I had a single attempt at resolution. If I disconnected the call, they would send my information " back to the county '' and heavily implied that I would be asked to appear in court before a judge, and that the client would seek triple the amount ( {$6900.00} ). 

I have a copy of the PDF they sent acknowledging my payment plan, coming from an email address XXXX. 

I made a second call to XXXX, and indicated that I suspected they were guilty of fraudulent activity. This prompted XXXX to put on his " Director of Operations ''  whose name I can not recall. This resulted in him vaguely insulting me, asking personal questions about my work and whether I created websites for scam companies. He also claimed I sounded just like the " IT guy [ he ] just fired. '' Eventually, I terminated the call after he said he would reverse the charges, and send my information " back to the county '' (  when I asked he said XXXX, and when I said the neither the account I had with USBank nor USBank reside in XXXX county, he said he could send it to any county ) and that I could continue my case before a judge, being very careful this time not to imply that it would be someone suing me, which had been the case before. 

I have attached the voicemail and PDF
Paypal limited my account. I still have { {$220.00} } in eBay gift cards which can only be used with a paypal account. 

Now I ca n't use this gift card balance because it is linked to my limited PayPal account. PayPal is not willing to give me a refund of {$220.00} nor issue me a different gift card of {$220.00} value or even de-link this gift card so that I can gift it to someone else. PayPal is saying I will forfeit the {$220.00}. 

I bought these gift card and paid the full purchase price, so they ca n't keep it. I believe it 's absolutely wrong for PayPal to take away my eBay gift card balance. Request your help to recover my money.
Borrower : XXXX XXXX, Property : XXXX XXXX XXXX XXXX, CA, XXXX. 
Loan number : XXXX On early XX/XX/XXXX, writer requested via phone requesting cancellation of private mortgage insurance ( PMI ). 
By XX/XX/XXXX, The Money Source ( TMS ) sent a letter regarding the conditions to be met before PMI can be cancelled. I opted to go for request based on Original Value. I sent a {$200.00} dollar cheque for Broker Price Opinion.  Nothing happened. 
On XX/XX/XXXX writer made a call to customer service ( talked to XXXX -supervisor ) made a follow up on my PMI cancellation application. XXXX said they will escalate my inquiry. 
XX/XX/XXXX, writer called customer service department regarding third party appraiser did not come in. Representative said " I ca n't do anything ''. 
On XX/XX/XXXX, a third party company came to the property to take pictures. 
On XX/XX/XXXX, writer made a follow up on PMI cancellation application and the representative said " I will escalate that inquiry to my supervisor. You should be receiving a letter after 30 days after the 3rd party appraiser visited your property ''. 
On XX/XX/XXXX, writer made a follow-up and said " I will escalate your request ''. 
Nothing happened. Frustrated. 
I know I will qualify for PMI cancellation based on Original value because my LTV ratio is below 80 percent and I am up to date on my monthly payments. I need your help to expedite my request as TMS is using a delaying tactic. 
Thanks a lot.
XXXX Initial correspondence sent to Credit reporting agency XXXX , Experian , XXXX XXXX regarding the accurate reporting of items disputed. In letter a requirement was made for all items to be validate 100 % ( Status, amounts, etc ). After review was completed items in question came back verified, however due to inaccuracies in balances reported vs statements received from the Original creditor. 
XXXX/XXXX/XXXX a 2nd review letter has been submitted to have items in question removed as a full investigation was not completed validating all criteria to report the items in question. I feel the items in question were not full investigated as 100 % accurate as required by the FCRA guidelines for reporting information. 

My resolution requested is to remove/delete the items in question due to negligence in not fully verifying all required pieces of information.
Department of Education is showing a school loan on my credit report. This is NOT a school loan. It is not through the Department of Education. It is reporting incorrect on my reports and needs to be removed simply because of that. It is a collection account and NOT Department of Education. The amount of {$730.00} is incorrect, the Account name of " Department of Education '' is incorrect, and the type of account " school loan '' is incorrect. This has not been removed and is stopping me from obtaining housing. It should have been removed from XXXX, XXXX and Transunion already and it has not. Legally it shuld no longer be there. I have submitted disputes stating this and they are not removing it.
My complaint is against  USAA Federal Savings  Bank as it specifically relates to my  XXXX   XXXX   XXXX   XXXX   XXXX  Credit Card. This complaint is regarding an extreme reduction in my line of credit that increase my debt-to-credit ratio to over   XXXX   XXXX   after I had  immediately reduced my debt-to-credit ratio by making 4 payments.      On  XXXX   XXXX ,   XXXX   my  XXXX   XXXX   XXXX   XXXX   XXXX  Credit Card reflected a Credit Limit amount of {$13000.00} and a balance owed of {$11000.00}. Over the span of  XXXX  days I made the listed payments totaling {$10000.00} -  XXXX  {$570.00} ; {$4800.00} ; {$5000.00} on  XXXX   XXXX ,   XXXX   and {$120.00} on  XXXX   XXXX    XXXX   ). Bringing the balance down to {$1300.00} and improving my debt-to-credit ratio to   XXXX   XXXX   of my credit limit. Note : ( I have over   XXXX   XXXX   history with  XXXX  and none of my accounts have been late or have had a negative review and this is reflected in my credit report from Transunion, Experian, and Equifax  XXXX .   Per my conversation with a USAA Bank representative on  XXXX   XXXX ,   XXXX  , I was told that on  XXXX   XXXX ,   XXXX   they reduced my line of credit to {$2500.00} and that they sent me a letter letting me know about this and this was due to some adverse information on my credit report. The request for reconsideration of their action and that the decision be reversed was declined. I informed USAA Bank that this action did not reward good behavior, that it in fact punished me because my debt-to-credit ratio increased to slightly over   XXXX   XXXX   and that this was just after I had made them a payment of {$10000.00}. I pulled my Annual  Free  Credit Report on  XXXX / XXXX /  XXXX   and after carefully reviewing my report I do not see anything on my credit that is negative to warrant such an impetuous action on their part. I questioned if this financial institution has a genuine and sincere interest in supporting the family members of a military veterans. I have faith in USAA Bank and I hope this is just a misunderstanding.     I am also reaching out to CFPB for support on this matter. I would like my {$13000.00} line of credit restored.
My Mortgage was sold to fay services from XXXX bankThey have had it messed up from day one first the did not have my escrow payment info said they did not get it from XXXXthen they said my payment was late in the amount of XXXX dollars not XXXX and i owed XXXX of those payment ( wrong again ) I sent them XXXX payment for correct amount girl gave me but she says she can not post until escrow is straighten out that she admitted they have XXXX upThis is going on two weeks now and i am not getting phone calls returned have requested a Supervisor to call me but no action on there partI am in the middle of a refi with another property and am going to lose my refi if i do not show my payment paid in full they refuse to do this return calls because you always get a recording when you do get thru every one is to busy to talk to youI have never dealt with a company this bad in my life0 cutomer serviceMy Credit is getting ding aswellPlease help mealso sending this to my congressman
I am an Identity Theft victim, there was a fraudulent XXXX account opened for someone named " XXXX XXXX ''. My name is XXXX XXXX XXXX. I have had a problem with someone stealing mail from my mailbox. I reported this information to the report bureaus and Transunion removed the account and then a 30 days later reinserted it without any explanation or reason. I called XXXX to see had there been a Fraud investigation on this case and I was told no but the representative I talked to claimed one. This account is killing my credit and needs to be removed permanently.
This conmapmny WEINMAN ACQUISITION GROUP is calling saying they will sue me and take me to court, for a deb i dont have, they say i open a account wirh XXXX XXXX, XXXX never have. and they keep calling and the have my information, we dont know this account, we dont open any credit card with XXXX.
Wells Fargo Mortgage took over my home mortgage from another bank. 
Since Wells Fargo Bank did not offer COFI based ARM mortgage product, it moved me to a new index Federal COF Index. Wells Fargo insisted me to go with the new Federal COF Index which supposed to be more stable and reliable. Well, it has been over 5 years and all these years, I am losing so much on Interest charged on these loans. It has been at least XXXX basis points for all these years, resulting a loss of about {$20000.00} in interest payments.
I was advised by the Attorney Generals Office to file a complaint due to jurisdiction regulation of the matter. This matter involves an Auto Loan that is being reported by a company named XXXX XXXX. The information suddenly appeared on my credit report last year. I immediately filed a fraud dispute with all three credit reporting agencies. The initial date it reports on my file is as open is XX/XX/XXXX and a last payment made XX/XX/XXXX. This in itself is contradictory. It shows a balance owed of {$6800.00}. They are reporting 8 late payments for a period of 90 days. To no avail the information yet remains on my credit file. I am unaware of any loan being initiated with this company. I ask that this matter please be investigated for accuracy.
XXXX XXXX XXXX - Correspondence to Portfolio Recovery Associates requesting verification of debt. No response to date. 

XXXX XXXX XXXX - Correspondence to Portfolio Recovery Associates requesting verification of debt. No response to date. 

Company has not provided verification of original debt and continues to report collection as new account. I have not had a XXXX XXXX card in 5-6 years.