WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Checking Account at Old National Bank. The balance in the Checking as of yesterday was a positive {$1.00}, but after looking today the account balance shows a negative balance of- {$5.00}. Old National bank did not inform me of the Service Fee that they apparently took out on XXXX/XXXX/2015. The account also did not have any overdraft protection which meant that the account would not go into a negative, but now however the bank got me in the negative.
XX/XX/2018 - Left message on my cell phone and work phone stating that this is pre-legal notification of a civil grievance with the deliberate deception of a financial institution. I will exhibit severe financial discomfort and there will be future proceeding including documentation sent to my employer for signature if I don't call back. I am supposed to call back with ID number XXXX. 

XX/XX/2018 - Left message on my cell phone at XXXX XXXX stating that this is pre-legal notification of a civil grievance with the deliberate deception of a financial institution. I will exhibit severe financial discomfort and there will be future proceeding including documentation sent to my employer for signature if I don't call back. I am supposed to call back with ID number XXXX. 

Left the same message on my husband 's cell phone.
My name is XXXX and a very low income responsible good credit history and a very Loyal Tax Paying US CITIZEN. In XX/XX/2012, I was approved a Loan Modification by XXXX due to loss of income from my divorce. My mortgage was lowered from about {$1200.00} to {$920.00} at 2 % interest. It helped me tremendously not to loose my home, which is my heaven and for my Child. Recently my Account was bought over by Nationstar mortgage when my 5 year term ended, I requested for extension of the Loan Modification as my income remained under $ XXXX annual before tax. I have pleaded and appealed but was advised to Refinance to remove my ex-husband 's name because he had abandoned the family, home and broke the mortgage contract refusing to pay his share ( there should be a Law for criminals like him ). Anyway, Loan Officer XXXX had processed my Refinancing documents and Convinced me that my payments are lowered to {$940.00} including Tax and Insurance at interest rate 3.67 % This is a joke and my Mortgage Balance increased from {$140000.00} to {$150000.00} due from Loan closing almost over {$6000.00}. 
I have received a statement from Nationstar Mortgage stating my Mortgage Amount has increased to almost approximate {$1200.00} to cover the escrow balances. I have been lied to and ripped off. This is a BREACH OF CONTRACT. First they denied me of extension or renewal of a Loan Modification and now the breached the contract of ensuring me that my payments will be at {$940.00} but increasing it to almost {$1200.00}. 
Please HELP!!! My Nationstar Mortgage Acct No. XXXX Sincerely - XXXX Home Address : XXXX XXXX XXXX OR XXXX cell XXXX
I am receiving a Six Month Fixed Rate of 8.99 % and then it goes back to Prime + 16.74 % ... I do have a excellent credit score of XXXX ...
I received an emailed and phone notification from Bank of America that my XXXX   card must be reissued due to an ongoing fraud issue. I spoke with manager XXXX of Bank of America 's fraud department. He would not provide his last name or any further supervisory contact to resolve complaint within Bank of America.

I was demanding to know which merchants or activities had initiated the fraud investigation. XXXX said that is between XXXX  and BofA and is not something he can provide. I said that policy intentionally leaves consumers in the dark and does not allow consumers to know which organizations are protecting our data and where fraud is originating.
On or about XXXX XXXX, 2017 XXXX issued a refund to a secondary account on this card, the name on that account was XXXX XXXX, in the amount of {$3800.00} with a reference number provided by XXXX of ID : XXXX
Since   XXXX   I have attempted to make additional principal payments on my mortgage. These payments have been continuously misapplied, and in several cases, when rectified as to where to apply them  ( after lengthy phone calls ), the interest was misapplied on the next months payment, instead of the date the   payment was received  ( as the Note calls for ). I ma iled additional principal payments to the address as identified on the back on my mortgage statement and specifically stated principal curtailment. These payments were not applied to principal, instead were applied to my regular payment ( which I have auto pay/withdraw done by the mortgage company ). After speaking with   XXXX   XXXX  , they advised to mail to  three  different addresses :  one in  Fishers, IN,  one in   XXXX , OH, and most recently in  XXXX   XXXX , NJ. Unfortunately, the problem remained the same for each of these addresses ; principal curtailment payment improperly applied to next months mortgage statement. Freedom Mortgage Company states there is no way to do this electronical ly ( either on their web site or electronic transfer ), and by phone mortgage company charges a {$15.00} fee per transaction. Customer service states that additional   principal curtailment amounts can not be applied to monthly payments unless they remain same each month.  Freedom Mortgage  also failed to make tax payment ( despite having bill and their syste m showing four payments per year ) th is  XXXX , and resulted in interest being charged . Freedom has since  paid taxes and supposedly paid interest, however I am not sure until I see a statement from municipality showing account is clean ( no further interest  due ). Obviously this company can not handle simple tasks as principal curtailment and tax payments. I did not choose them and my mortgage was sold to them. All of these are violation of the Mortgage Note, as well as fraud relating to improper application of interest as required by the Note.
I disputed the XXXX collection account as not being mine. Both XXXX and Transunion has XXXX the balance, but the account is still showing on my credit report under collections ( with a XXXX balance ). The account belonged to my son and I have a letter from the original creditor showing proof of that and that they requested it be removed from my credit file. It has not been deleted as of today 's date.
Credit reporting institutions have false information about an account status that was paid off and account closed. When I reported here, the XXXX credit reporting institutions, namely ; Transunion, XXXX contacted the creditor, XXXX. Instead of correcting the account record, on XX/XX/2016, Transuion put my account into delinquency till a Law Firm I engaged complained TransUnion improved the account on XX/XX/2016 but retained the delinquency record on my report in addition to reporting that I still owe XXXX whereas not. All the said XXXX credit reporting institutions still maintain this balance. This has caused me to suffered gross financial and investments loss which instance my Attorneys are handling. I have kindly attached my XXXX account as proof that I owe them no monies as of XX/XX/2016. TransUnion should remove its delinquency report without much ado and all the XXXX credit reporting institutions should make the necessary corrections and indicate that the account was closed on XX/XX/2016 on payment in full of balance then.
Company : Coinbase XXXX : XXXX On XXXX XXXX, XXXX at XXXX XXXX XXXX I sold XXXX units of XXXX on the coinbase exchange for {$480.00} after fees. Transaction code # XXXX shows completed on their website yet the funds were not received. Payment method chosen was XXXX internal USD Wallet. Coinbase states that funds from sales will be available within minutes of a sale. As of this filing the proceeds from the sale have not been received. 

I filed a case with Coinbase Support, Case # XXXX, at XXXX XXXX XXXX on the same evening. I have yet to receive a response or acknowledgement of the issue from their customer support as of the filing of this complaint. 

Just to be clear, this is money never received from the sale of the coin within the coinbase system. There were no funds ever sent to any external addresses.
Upon the transfer of this mortgage to Rushmore, our escrow was doubled due to an accounting error by Rushmore. We were in the process of disputing this when Rushmore refused to apply any payments towards the mortgage. We stopped paying during dispute but Rushmore was no help and we were then put into foreclosure. During the foreclosure process we then received an offer of modification for the exact amount that we originally should have been paying less the error n the escrow. The attorneys for both sides handling this came to a resolution and Rushmores attorney then sent us a letter for us to send to the credit agencies that have us listed negatively stating that this was an accounting error and we should not have this adverse credit. XXXX and XXXX have both sent in disputes numerous times to Rushmore to have them remove and update our credit to no avail. As of this date, I still have this on my credit as negative and I am currently under contract to buy another home and am working with a mortgage lender, however due to the low score stemming for this negative report, I am in jeopardy of either NOT getting the mortgage or paying a premium interest as well as other fees! Rushmore also does not have a direct line or person to speak to for any kind of help! Please not prior to this we have 2 mortgages with never being late as well as the one I question never being late prior to the accounting error on Rushmores part.
I have a 6 year loan with santander on a XXXX dodge journey. I purchased the car XX/XX/2013 The pay off amount was for XXXX after finances were added. I have had this car for almost 3 years and the pay off amoumt has increased to XXXX dollars and has never lowered. Santander has lost payments, and after deferring two payments have started calling 4 to 6 times a day saying I am over XXXX dollars behind.I have been blocked out of my online account and can not retrieve any information.
I attended XXXX in the mid to late XXXX 's. Was told they would be easy to pay off, and if i ever needed job help they would be there to help me. Here we are XXXX years later still paying on my loans. I am really XXXX that I have probably paid off my loan XXXX times over in just interest. I was told by XXXX that my loan would n't effect my credit but it did make it hard to buy my first house. After i graduated they sent me on XXXX job interviews, XXXX for a company that wanted me to do sales and other that looked like fun but it was graveyard only. I finally found a job on my own. I was laid off and when I went back to XXXX to get help finding a job, I was told that only current graduating students where being helped ever.
I have sent several disputes to resolve issue. The car was a repo the company never sent a bill of sale nor notified me when the car was sold.XXXX  XXXX charged interest for the remaining of the loan after the car was sold which is illegal.
I reached out to XXXX 's on 2 occasions asking them to send me a copy of my signature of agreement with their company or any viable evidence. XXXX 's response to me asking my to send them the information and a full account number of the item that the credit bureau is reporting as they have no knowledge of the reporting, so being that I had disputed the 3 major credit reporting bureau on numerous time and it been a sea saw they deleted the account verified the account back & forward so I requested the method of verification from the credit company XXXX   & XXXX replied that they only send the disputes to the company. Now after going back and forward with XXXX 's they have sent me a generated bill with my name and account number but never sent a copy of a signed agreement or any viable evidence. 

PS : I'm including letter of communication
I have hit XXXX % of my original property value several months ago and have tried to have my PMI termintated several times. I was under the imppression it should be removed automatically when I reached XXXX % of my original homw value. However, Wells Fargo has stated repeatedly that I can not have my PMI terminated without an appraisal. This is true of Cancellation. However, I am referring to Termination which has different requirements. None of which are appraisal. Wells Fargo dragged there feet for 3 months after filing all my paperwork to refinance at a lower rate. And now with the PMI termination. I believe this is an unscrupulous tactic employed to exploit the consumer and should be addressed.
I cosigned a Apt . From XXXX of XXXX Az. Tenants did reside at property for 30 days, as the Air Conditioning Unit required replacement after several visits to have handy man rig it, and water pouring from ceiling into hall way, laundry room, flood Apt out.XXXX finally realized unit was beyond repair, eventually they had no choice was replaced. With over {$1100.00} deposit heat was unbearable lease was broken, I assumed we were even as they kept my deposit, and then placed a Judgement in the amount of {$500.00}. 
When I applied for a Condo and credit pulled that 's when I when I became aware of this judgement against me from XXXX. I immediately contacted them and visited their office to rectify this debt, the Manager suggested he would accept payment in the amount of {$370.00}, I retrieved money 's the nearest ATM and cash was given {$370.00} and I was given a letter that the debt was satisfied and XXXX credit company 's would be notified and info removed, to no avail. I 've contacted ( XXXX ) several times spoke w/ Manager said he 'd look into it and call me back to no avail.He stated he did n't place this on my credit and the Manager that I dealt with had been killed in an accident and is no longer w/ us. 
I contacted ( XXXX ) XXXX/XXXX/2016 spoke w/ manager stated there 's nothing he can do, and did n't place it on my credit he ten hung up on me, and would n't answer my phone calls after I made several attempts to call back. I also a letter to Their Corporate Office ( see attached ). 
I 've never received any Court paperwork concerning this matter and theirs a court case # When I called Circuit Court there 's no court documentation available about this matter. 
I feel as though I 'm being made to pay twice for this debt.
i have opened a simple XXXX  an paypal business account on XX/XX/XXXX selling used electronic items tangible goods i have had the account for 30 days all items have been shipped with proper tracking all guidelines followed now with out warning on the date of XX/XX/XXXX my paypal account was closed for a non specific reason/vague i have XXXX dollars in this account from from items i sold around my house to help my family they have ruined my XXXX reselling /feedback system excepting sales from my XXXX  without refunding customers properly as this was done without warning while items still sold from XXXX  they keep money an refuse any recourse to me or my customers destroying my XXXX online resell business entirely i am XXXX years old my money is held for 180 days in there account used for there financial services/ie trading on the open market in benefit of paypal inc illegally under texas law ruining my finances an putting me into undue financial hardship i am unable to unlink any financial information/ they offer no recourse there is no recourse for my hardship/ repeated contact results in hang ups/rude representatives vague and unclear policy in utter frustration i have contacted the company an they have refuse any compromise or even to answer questions regarding a solution
I paid off my account with Ally Bank for the purchase of my car in XXXX and received a letter from them dated XXXX XXXX, XXXX but have not received my title for this car ( XXXX XXXX XXXX XXXX I called them Tuesday and they say that the title was sent to me on XXXX XXXX, XXXX but I have not received it and they are saying that they can not issue me a duplicate title that I have to go to the Sec. of State and pay {$100.00} to get a duplicate title am XXXX XXXX XXXX and have paid enough for the car. They have all the information on my car and should be able to issue a duplicate title. Yesterday when I called them and asked to speak to a supervisor they said that there was no one there while speaking to the same person that I spoke to on Tuesday and that I could leave my phone number and they would call back in XXXX to 48 hours. I do not believe that there was not someone in charge that I could talk with to try to get this problem resolved. ALL I WANT IS THE TITLE TO MY CAR. Are they this rude to everyone that calls with a complaint? I do n't want to be lied to just tell me the truth.
When account was initially opened last year I had limit of {$1100.00} with minimum Payment of {$25.00} due per month. I always paid {$50.00} per month and was never late. My balance was around {$700.00} mid summer this year. XXXX decreased my limit two times without my knowledge. Went from {$1100.00} down to {$450.00} which was what I owed. Now this would surely affect my credit making it appear I owed what my limit was! Never received notification despite XXXX telling me they sent notices. Called them three times only to be told credit bureau reporting was factor and that the bank was responsible not them. Called XXXX XXXX and was told it was XXXX decision. Back & forth extremely annoyed! Finally received {$200.00} increase taking my limit to {$650.00} which is where it is now.
I was checking my credit report and found that XXXX XXXX XXXX, CBCINNOVIS, and XXXX XXXX all did a hard pull in XX/XX/2017without my permission or knowledge. It will take two years  for this to be removed unless they each remove it.
I have requested several times via mail to investigate negative information that has been reported on my credit. I have only gotten responses that accounts have been verified and updated. I have not been sent any documentation proving that accounts and late payments have been verified. I have never been late on any loan payments nor have I ever authorized an account with XXXX. I have attempted to dispute this information with all parties via telephone however It is very difficult to get assistance over the phone.
For over year I been writing letters to capital one about someone else using my card. Thru private investigation I found who it was. I did not press criminal charges. But, the person has to fix her damaged with that being said.. I have sent all the info needed and my credit report is still showing charges on one of my cards. The charges are not mine. I paid this card off on XX/XX/2018
Experian is reporting   XXXX   XXXX   XXXX   XXXX   Acct #  XXXX  from     XXXX   on my credit. This is account is  XXXX   XXXX   XXXX  and I am no longer liable for this account. This account is too old to be on my report and should be remove immediately. I have sent  three  written requests to Experian which have been ignored.
Chase credit cards set up their due dates to occur on Saturdays, and Sundays frequently during the year. If I set up and automatic bill pay with my XXXX account with two-day delivery on a Thursday to arrive on Friday, and the due date is either on a Saturday or a Sunday Chase will not recognize the payment arrived on Friday ( evening ) and charges late fees and interest. This is a ridiculous business model and cheats the consumer by allowing them to charge late payment fees, exorbitant interest fees, etc. If the due date is on a Saturday or a Sunday on the billing statement Chase and all banks should have the required staffing to receive the payments. Otherwise, they should record all payments received Monday morning as arriving by the weekend due date. This is a blatant banking practice and the CFPB has done nothing to stop this practice which is unfair and harmful to consumers. The best description of my issue includes billing statements, late fees, other fees and interest charges.
I am filing because I am very unhappy with the way that Quicken Loans continues to mishandle my escrow account. I purchased one unit in a three unit condominium complex last XX/XX/XXXX in XXXX, MA. QL took from my escrow account and paid the taxes for all 3 units. XXXX will not break the tax bill into 3 individual parcels until the beginning of the fiscal year ( XX/XX/2018 ). 
The XXXX Treasury Department informed me that the appropriate procedure is for the loan provider to look at the Master Deed Agreement ( in my closing docs ) and only pay my portion of the tax bill which is 28.6 %. The city of XXXX does not take action on the entire parcel if other units do not pay the bill. 
Instead, QL took {$2900.00} from my escrow account and my portion of the tax bill should have been {$790.00}. I was also told that for the XXXX  tax bill, if my neighbors are slow to pay, QL will take money from my escrow to pay my neighbors taxes again since they must pay the taxes on the parcel associated with the unit. I am sure you will agree that this is outrageous. 
I have been working with XXXX XXXX at QL. She told me that she had investigated and QL did everything correctly. She told me it was only QL responsibility to pay whatever they pulled from the city as a tax bill on that combined parcel. Although the tax bill was significantly higher than planned in escrow, it was not QL responsibility to contact me prior to paying. This entire situation could have been avoided with one phone call. 
I am asking QL first and foremost not be allowed to create this problem again by taking my money and paying the entire tax bill for XXXX. I I am also asking QL to refund {$2100.00} to my escrow account and take my property out of escrow and recoup the money from the city or the other unit owners. QL will not lift a finger to help me recoup the money they took from my account. QL receives the benefit from interest free escrow, they should also shoulder the risk & responsibility and recoup, not solve their problem by stealing from customers escrow accounts. 
I am in discussions with my neighbors to try to get them to pay me instead of the city for their portion of the taxes. Hopefully we will be able to work it out and I will provide the money to QL to put back in escrow. However, Quicken needs to stop this practice and should not be allowed to take more than my share of taxes from my escrow account for next quarter. It looks to me as they intend to repeat the same problem. 
I have asked QL to stop handling my escrow. I am not required to escrow as my credit score is excellent and the down payment was almost 40 %. They have also refused and said I need to wait until the loan has been in place for 24 months. Incidentally, this is the second time that Quicken took money from my escrow to pay the wrong bill, but they did agree to refund in the first incident.
This company ( XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2100.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.