WillisBack/dataset-financial-user-claim huggingface dataset:
I initiated a balance transfer of {$4600.00} from my XXXX credit card account to my new HSBC credit card on XX/XX/2018. I received a confirmation email from HSBC that stated that the balance transfer should be complete within 7-10 business days. The balance transfer amount posted to my HSBC account on XX/XX/XXXX at XXXX. I noticed that it had not posted to my XXXX account on XX/XX/XXXX and decided to call HSBC customer service to inquire about the status of the transfer. I was brushed off by their customer service team and was told to call back in a week if the transfer was still not posted to my XXXX account. 

I called the customer service department again on XX/XX/2018 at XXXX and requested a status update on the balance transfer. Once again, the CSR told me that I need to be patient and wait another week and call back again if the amount still had not posted to my XXXX account. 

I made another call on XX/XX/XXXX at XXXX. This time, the first CSR accidentally (? ) hung up the phone after I was told he was going to do a payment trace. After calling back again, the second CSR told me that they are not able to do a payment trace. It then appeared to me that he was stalling. For example, he rep. told began to inform me on what a balance transfer is instead of directly handling the issue I presented. I promptly requested to be connected with a supervisor so that we can begin an investigation on their end. The supervisor that I ended up talking to was not very helpful. She told me that she was going to start an investigation and that we should have information within 5 business days I believe. She also told me to call back today, XX/XX/XXXX if the payment did not post by that time. I requested email updates on the status of the investigation : They did not do this at all. 

My final call was today, XX/XX/XXXX. The transfer has still not posted to my XXXX credit card account. I talked to another CSR who told me that the investigation process can take up to 14 business days. I told him that I need a path to resolution which he was unable to provide. Once again, I feel like they are brushing me off and simply adding more time delays into this process. We ended the call when the CSR told me that the supervisor that I talked to on the XX/XX/XXXX will be calling me back this afternoon regarding the status of the investigation. 

Through this whole process, XXXX has been very helpful. It has been very easy getting an informed individual on the line to help me investigate this issue. It only took me a few minutes to get an account specialist on the line investigating my issue. The XXXX employee believed that a payment trace should be a routine an easy thing for HSBC to do. Unfortunately, getting things done with HSBC has proved impossible at this point. I regret opening an account with them. 

As of right now, I have essentially doubled my debt because of this. Because so much time has elapsed, I am approaching my first payment on the HSBC card on XX/XX/XXXX. I am also going to have to pay on this balance transfer amount on my XXXX card on XX/XX/XXXX.
Several email communications have taken place along with phone conversations about the incorrect reporting of 2 debts with Whitney ( XXXX XXXX ). The bank has stated in XX/XX/XXXX again in early XX/XX/XXXX to have the error in reporting corrected. Their incorrect reporting has caused denial in  employment. I was assured the errors would be corrected asap. The incorrect reporting is still in place. The reporting is sporadic and should be reported correctly. 

The below information was supplied to XXXX XXXX several times. 

" Whitney sent a XXXX  in XXXX for all of these items which were discharged. I have disputed the reporting of these items for some time now and none have been corrected. Currently WhitneyXXXX XXXX is in violation of Federal and State of  Louisiana Bankruptcy laws. In Louisiana a non filing spouse of a bankruptcy is awarded the benefit of the discharge.
Federal bankruptcy law 11 U.S.C 524 ( a ) ( 3 ). All of these accounts have been discharged as you can see by the attached. I have attached a copy of a letter which was provided to another creditor who is also reporting incorrectly for your reference '' Debts were discharged in Bankruptcy chapter XXXX XX/XX/XXXX. All documents have been supplied to the creditor on several occasions. Discharge documents can be supplied again if needed. 

Copies of bureaus incorrect reporting is attached.
A ) Around XX/XX/XXXX, I opened a Santander checking account # XXXX in response to a Santander Bank promotion that if a customer opens a checking account, sets up a direct deposit and makes two bill payments ; the bank pays the customer {$20.00} each month. I complied with the requirements set forth by the bank until they ended their promotional offer in XX/XX/XXXX. 
B ) On or before XX/XX/XXXX I did two things : 1 ) requested Santander by email to close my checking account, and 2 ) since they could not close the account with an email I called their toll free line XXXX to request that my checking account be closed. 
C ) On my end, I cancelled my direct deposit, paid off any outstanding balances if I owed any ; and considered my checking accounts closed. I also knew that if the account was still open, I would have seen bank charges for non-activity. When I stopped receiving monthly statements and all bank communications it was a clear indication that my Santander account was closed. 
D ) From XX/XX/XXXX to XX/XX/XXXX, Santander led me to believe that my accounts were closed. Up until a week and a half ago I started receiving harassing robo calls and letters from Santander collecting {$170.00} in fees. I asked myself why am I getting these fees now if the account was supposedly closed in XX/XX/XXXX? 
E ) After investigating the matter, I found out that my other bank had incorrectly requested a wire from Santander and since there was no funds on it, the initial {$35.00} non sufficient fee snowballed into {$170.00}. I would gladly pay the amount if I erred on my end, but since Santander did not do what I had requested two years ago why am I responsible for these fees? 
F ) Santander knowingly kept the account open to extort fees. How many of their customers have requested their accounts closed but kept the accounts open so Santander bank can charge these fees?

G ) The harassment that I have been receiving daily from Santander Bank 's collection practices such as robo calls, letters and postcards to remind me I owe Santander {$170.00} and the fees are just accumulating. 
H ) I tried to contact Santander but they make it difficult for the consumer to communicate with a medium like an email that provides an audit trail of the discussion.
I XXXX XXXX submit this complaint against Bank of America for failure to modify my Home Equity Line of Credit according to my XXXX mortgage modification, whereas I 'm unable to afford XXXX payment. My home right now is only worth about {$250000.00} my XXXX mortgage balance is {$240000.00}. which was modify under the making home affordable program. My XXXX lien balance is currently {$560000.00} my income can not meet XXXX payments at this current level. I filed a discrimination lawsuit against Bank of America in XXXX Court the judge granted Bank of America summary judgment. I lost the case, due to this reason I believeBank of America is refusing to be fair with me the reason they want give me an affordable modification payment. I really wants to keep my home at this rate with XXXX loans I really do n't know how I can afford it. Right now I feel like I 'm lock in this loan forever. It 's no way I will be able to refinance this loan. Please Help!!!
A person who was not authorized charged about {$18000.00} to my Chase credit card. I reported it to Chase on XXXX. Chase originally gave me credit for the loss, but then reversed the credit. My understanding they have 60 days to finalize their findings. They have left this file open for over 1 year. I have corresponded and talked to them numerous times and they just give me the run-a-round. I want these fraudulent charges reversed and have them give me back my money.
Central Financial Control Is the worst ever!! not only are they Harassing me by calling me everyday all day, but they also send me threatning letters in the mail which is another form of Harassment over an account that I have no knowledge of, or an agreement with their company over. I have never signed or agreed with any one to share my personal information and CENTRAL FINANCIAL CONTROL is violating HIPAA Privacy laws and I will be seeing them in small claims court!
XX/XX/XXXXPURCHASE AUTHORIZED ON XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX CARD XXXXCategory Legal ServicesQuestions about this transaction? Review your options $ XXXXTotalsI received a letter from XXXX ga XX/XX/XXXX to be in court about collection of a debt that I owed. I contacted the attorney at XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone Number XXXX and Paid the debt over the phone XX/XX/XXXX It payment was taken out of my account XX/XX/XXXX. This is the transaction for XXXX XXXX bank showing the payment. I have received another notice from the XXXX Court XXXX XXXX XXXX that my case is scheduled for a default hearing XX/XX/XXXX. I have tried contacting this office to get this cleared up since the debt has been paid. I do n't want to miss a day of work for something that I no longer owe. The case number at the court house if XXXX Midland Funding LLC XXXX was the attorney for this Midland Funding LLC.
Conns applince company calls my phone up to 10 times a day or more. I have spoken to them and explianed my employment status do to being let go of my job. Explained that I will make a payment as soon as I can but they still call me at times up to 3 times in less then a minute. I am late on my bill no more then 5 days but they call me like crazy. I understand XXXX or XXXX calls a day but XXXX or more calls a day is way to much.
XX/XX/XXXX we were having trouble making our mortgage payment of {$1500.00} to Ocwen Servicing LLC. The interest rate on our mortgage loan is set at 10 %, so Ocwen suggested we do a loan modification to bring down our interest rate to something more affordable. 
We were asked to send in our XX/XX/XXXX XXXX XX/XX/XXXX income tax returns along with bank statements, pay stubs, and a financial obligation questionnaire. All paperwork was faxed in XX/XX/XXXX. They called in XXXX and said they were missing the XX/XX/XXXX tax return so I emailed it and was told that the loan was under review and they would call in XX/XX/XXXX. In XX/XX/XXXX I was told it was still under review, in XX/XX/XXXX same story ... my loan is still under review. I asked in XX/XX/XXXX if I could make a payment and was told NO that they could not take any money until the paperwork for the modification had been decided upon and completed and was told they would call again in XXXX. In XX/XX/XXXX I am told a decision still has not been reached and they would call in XX/XX/XXXX XX/XX/XXXX I am told they have no decision and will call again on XX/XX/XXXX. On XX/XX/XXXX I am told they are missing the XX/XX/XXXX taxes and will need me to resubmit this and will call me again on XX/XX/XXXX. Again I asked if I could make a payment and was told NO, not until a decision has been reached. In the meantime I am now 6mns behind and am not allowed per Ocwen to make any payments while the interest on my loan and the amount I owe towards payoff continues to rise and my credit score continues to drop as they report to the bureaus that I am late on my payments. I am worried they are pushing me into foreclosure by not moving on a decision and I am not understanding why.
In XX/XX/XXXX I canceled XXXX XXXX XXXX cabel, land line and internet services do to moving and at new address which was in different county this XXXX XXXX XXXX XXXX was not avalible. All XXXX XXXX XXXX equipment was returned to XXXX XXXX XXXX and balance was paid infull. 
Sometimes in earily XX/XX/XXXX I received email that new updated equipment was sent to me at my old address ( I no longer live at that address since XX/XX/XXXX ) and upon receival of this email I lived at different address and county. I immediately called XXXX XXXX XXXX to resolve this issue and I was told that it was a mistake on XXXX XXXX XXXX 's end and that it will be taken care of. Few months later I received a letter stating I was sent to collection for non returned equipment, I immediately called XXXX XXXX XXXX to resolve this issue and it was extremely difficult for them to understand what happened. I was told I will get a call back by supervisor to resolve this issue and I never did, every few days I would call back and it was taking a lot of times and frustration to explain same thing over and over again. 
At this time I was told that I was also being charged for land line that I no longer have and I was paying for it for two years and I could not be reimbursed for it but then yet again I got sent to collection for equipment not returned at address that I no longer live. All of this information is correct and it is in XXXX XXXX XXXX 's history file, it just takes someone who's willing to look in to this issue and see that two years later I was sent replacment equipment at address that I no longer live and I did not have XXXX XXXX XXXX cable and internet service since XX/XX/XXXX. The amount claimed that I owe is {$200.00} Thank you very much.
I was solicited by a banker at USBank : XXXX XXXX. He told me that he could refi an existing loan at less than 4 %. I stated that I would only be interested if this was a FIXED RATE LOAN. He said YES. After 4-5 weeks of supplying the necessary paperwork : personal and business tax returns, pers. financial statement, everything necessary to complete a loan .... I was told that I qualified for an ADJUSTABLE RATE LOAN. I reminded the banker that we had originally discussed a FIXED rate loan. 

My complaint : BAIT AND SWITCH 1. the loan was presented as an AR loan with a low 4 % interest rate as a teaser. The banker knew that I was only interested in the Fixed rate loan. 

2. There was improper documentation on the exact interest rate and the type of loan at the beginning. Had this been done ... there would not have been any misunderstandings. 

3. I tried to work it out with the bank, but they seemed intent on giving me the Adjustable Rate loan as opposed to the loan that was originally discussed. 

4. I paid my accountant to produce the various forms. In lieu of the misleading behavior of the banker : XXXX XXXX ... I have asked that the bank refund my acct fees ( {$150.00} ). They have not done this or suggested that they have done anything wrong. 

To summarize : Bank calls me ( I did not call them ) to offer 4 % rate on refinancing an existing loan. I was clear that I was only interested in a FIXED RATE LOAN. Banker says : fine. Banker does not put anything about the loan details in writing. 5 weeks later after all of the paperwork ... I 'm assuming that I will be presented with a Fixed rate loan. This did not happen. 

Bait and Switch. 


Thank you for your help.
I lived in an apartment only to get back and forth to work because I was sick. XXXX XXXX XXXX Owned by XXXX. The Manager was XXXX XXXX. Around XXXX XXXX I spoke to her about being off work because I could not move my neck and I was going to a new doctor, I also asked about my 2-week refund for faulty electric in which I could not stay there, because it was wired wrong, and could cause a fire. I also told her I may have to move by XXXX XXXX because I was missing a lot of work, possibility of XXXX, and XXXX. She assured me that XXXX works with people like me who can not pay the full two moths rent for moving early because they become XXXX and to keep her up to date.I was off work most of XXXX XXXX and kept her up to date and turned in my letter of intent to move out by XXXX XXXX. The end of XXXX I was told that I needed XXXX that treatments were not working, and the begin stages XXXX that was not responding to treatment.I let XXXX know I had to pay out of pocket for XXXX, I had started to apply for SS XXXX, and that I was applying for XXXX thru work but it would only be 60 % of my pay so I could not afford rent. On XXXX XXXX, XXXX, I could XXXX and that was an emergency visit to XXXX who said that I could no longer work. I talked to XXXX, she said that all XXXX wanted was a letter from my doctor stating that I was XXXX and that my income would not cover rent. I told her that I already had it set up to take the rent for me, my pet, and my trash to be taken for one of the two months out of my bank account on their site and that they owed me two weeks. So she said she would try to get my one month rent back because I did not have to pay the two months for breaking the lease. I never got it back. I moved out on the XXXX of XXXX, I gave XXXX the letter From my XXXX on the XXXX, and she told me know one could inspect my apartment that day so I had to go back down there, on Monday call the emergency maintenance number to have them inspect, ( It was cleaner than the day I moved in ). They claimed she never told them I was moving. A month later I received an email from XXXX to which I responded with my letter of being approved for SS XXXX and that I would receive not income until the end of XXXX XXXX, and the letter from my appeal that I was denied my XXXX thru work. I took it that they were satisfied and it was not until this XXXX XXXX I found NCC was trying to collect money for XXXX, I sent them the documentation where I did pay, and all the information that was given to XXXX and they are saying I owe {$1400.00} that there is no letter in my file of breaking my lease 2 months before I moved out. I could not give them that information because 1. XXXX has their own site I put it on and could be easily erased and I have no access too. 2. The second one is on the laptop that had coffee spilled all over it a year ago and it fried the whole computer. The money, letter from XXXX , denial of XXXX, and aproval of SS XXXX I have.
My name and personal information has been compromised and attached to an account inwhich I have no knowledge of and definitely do not have a contract with. No contract with whatsoever. For that reason I'm asking that the following credit agencies, Transunion, XXXX, and XXXX  remove the following account from my credit report, ( 1 ) XXXX XXXX {$10000.00}. In accordance with the FCRA please remove this account, or deliver me some type of physical documentation verifying this account, certified.
XXXX sent XXXX wire transfers to XXXX XXXX bank in XXXX, Texas to an account that was set up pretending to be one of our main suppliers of products ( XXXX XXXX ). Wires totaling {$120000.00} that should have gone to our suppler in XXXX, were received by some 3rd party at XXXX XXXX pretending to be XXXX XXXX.
I requested proof of this debt with a signature and they did not forward any information. A print out does not validate and there are several XXXX
My mortgage loan is currently serviced by Specialized Loan Servicing ( SLS ). I have tried to obtain a loan modification from the them for many years and was recently was advised that a trial loan modification offer was sent out on XX/XX/XXXX,  which I never received The offer called for monthly payments of {$2100.00}, beginning XX/XX/XXXX with a 280 month term. This is an offer I would have gladly accepted since I am able to afford the payments. SLS advised that the offer was sent via USPS regular mail, so there is no way to track the package. Since I never received the modification offer, there has been a serious lack of transparency in the process, since a single point of contact was never assigned to the case. Per the CFPB mortgage servicing laws, transparency and a single point of contact are a requirement. I am requesting the SLS reset the trial loan modification offer, since they failed to abide by the the CFPB law. Per Indiana Code 32-30-10.5, mediation is a requirement prior to foreclosure, which SLS is trying to bypass as well. Since SLS has set a foreclosure sale date of XX/XX/XXXX, I am seeking your assistance on this matter.
I have been reported to ews by XXXX XXXX XXXX, XXXX, XXXX and XXXX, all of which are fraudulent accounts due to my identity being stolen. I have placed blocks on my credit reports as well as Chex systems. I have exhausted all options to have them removed on my own. I 've filed identity theft reports with FTC as well as my local police department to no avail. According to the fcra I have the right to have these blocked and not used against me, in which they 're not blocked as I was denied a checking acccount recently due to this. I need these accounts removed once and for all, it has really hindered my life. Thank you.
I was affected by hurricane IRMA. Bank of America had a program where you can miss a few payments but all payments would be due in XX/XX/XXXX. We elected to miss only one payment to make repairs to our home. In recent times, we received a letter from the lender stating payment will be placed in a forbearance account and not due in XX/XX/XXXX. We are very confused. We were assigned a case manager who has not called us back or accepted any of our calls. We have tons of questions! When you call the customer service number, you are re-directed to case manager who is never available so I have to leave a message. Can you imagine trying to get answers and you can not? When I put in my account information, there is no way to go to speak to anyone else. This is super frustrating! How can an organization as big as Bank of America not have an IVR system directly the clients to correct personnel when needed? I can not believe the level of service I received from them. I have all my bank accounts with this company and I wanting to switch due to the service or lack there of from the mortgage side. I pay my bills every month but yet I can not receive any service. This is not fair! Please fine this company.
I contacted XXXX a few months ago regarding a XXXX XXXX XXXX card that was opened by my ex-husband using my information. The account was opened while he was XXXX and I was XXXX. XXXX closed the account since it was opened without my authorization. XXXX noted that I had not activated a single card for this account and I was not aware of this account since I had never received a card in the mail. My ex-husband had access to my personal information from previous income tax returns that were filed. I did not authorize my information to be used for this account in writing, online, or over the phone. I have submitted a notarized identity theft affidavit to XXXX and all XXXX credit bureaus, but have not received any resolution nor has my name/information been removed from this account.
In XXXX 2013 I got letter from Bank of America that my mortgage with them sold to XXXX. And the letter was saying all my payments should go to XXXX in Texas. I had first mortgage payment of {$4300.00} and line of credit payment of {$33.00}. Both of these payments I did send to XXXX. Later I was shocked when Bank of America sent me letter I was way to late on my line of credit payment of {$33.00}. I did contact them and explain that BOFA letter was saying all my mortgage payments goes to XXXX. But Bank of America respond was : '' not my line of credit '', which is letter did n't specify. Now my credit score damaged, because of this issue. All my communications with BOFA to try to remove issue from credit report went to dead end-no cooperation at all. Please help me to remove this item from my credit report for XXXX and XXXX of 2013. Thank you.