WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a number of problems with my private loan from Key Bank. They principally deal with the difficulty in getting a forbearance for what I believe to be legitimate reasons. First, when I called them asking about a forbearance they said that my loan did not qualify for a forbearance. But when I looked at my promissory note it said that a forbearance is possible, but at the bank 's option. I believe there is distinction between not being qualified for a forbearance and them looking at my case and rejecting it. When I asked ( after several calls to their customer support ) if there are any options besides a forbearance they said that they have a suspension of payment program that I would have to apply for and then the " work-out team '' would decide if I was eligible. I asked for a six month suspension of payment ( but I was willing to shorten the duration ) because I had to take a leave of from work ( from a company that I co-own ) in order to go home and take care of my dad who was recently XXXX. After talking to numerous customer service reps and managers, I was finally told by a manager that they did not consider me taking care of my XXXX father as an emergency situation that qualified for any assistance at all. 

Additionally, when I recently finished XXXX in XXXX I started making payments on my loan in XXXX - which seems like an incredibly short grace period. Further, when I called their customer service to see if I could postpone or lower my monthly payment so I could have time to get a job ( all I would need is three months ) in order to even consider a decrease in monthly payments much less postponing them, they said that I needed a job offer with an exact start date. I found this odd because I was looking work and could start immediately, so if I had a job in hand, why would I ask for a postponement because I was looking for a job? 

In general I found the customer service incredibly rude and insensitive. One representative even asked me if I really had to be there with my dad when he was XXXX of XXXX. I have other student loans ( although this is the only private loan ) and they all have been incredibly helpful and easy to deal with. I believe that Key Bank represents among the worst in the student loan business.
On XX/XX/XXXX, I filed a complaint with the CFPB case # XXXX concerning fraudulent charges to my XXXX XXXX XXXX card When I pulled a copy of my Experian and XXXX  Credit reports on XX/XX/XXXX, My XXXX XXXX balance reported as {$1900.00}, with DATE REPORTED : XX/XX/XXXX But then incredibly and in response to my XX/XX/XXXX complaint of fraudulent charges, XXXX deliberately updated my balance MID-CYCLE to {$6800.00} on XX/XX/XXXX to reflect all the disputed fraud charges. There are only two ways to interpret this. Either XXXX recklessly posted the balance in error or XXXX retaliated to harm me and my family by deliberately posting inaccurate information. My credit score dropped another 16 pts as a result of XXXX actions, my closing for the {$600000.00} mortgage had to be cancelled. With a deadline of XX/XX/XXXX to close or lose my deposit, unless Experian, XXXX and XXXX  update this account to reflect the correct balance of {$1900.00}. I will be suffering more financial harm. 

Facts to support my claim : In a letter dated XX/XX/XXXX, XXXX admits they have not completed their investigation. Proving XXXX deliberately furnished inaccurate information in violation on every dispute regulated policy of the FCRA and State of Michigan laws. ( see attached letter dated XX/XX/XXXX ) this letter is also included in XXXX response to my CFPB case # XXXX ***I am requesting Experian, XXXX and XXXX to trigger the EXPEDITED DISPUTE RESOLUTION PROCESS and immediately update the balance of this account back to {$1900.00}. 
With the letter from XXXX admitting the current balance attached and also posted with the CFPB case # XXXX. If this doesnt qualify for an EXPEDITED DISPUTE RESOLUTION, what does? 

Attached : -Unredacted letter from XXXX dated XX/XX/XXXX -Copy of letter from XXXX dated XX/XX/XXXX w/highlights - XX/XX/XXXX Copy of Experian report for XXXX account # XXXXXXXX XXXX  XXXX XXXX  XXXX account referenced in letter - XX/XX/XXXX Copy of Experian report for XXXX account # XXXX XXXX XXXX XXXX XXXX account referenced in letter Balance reported {$1700.00} -XX/XX/XXXXXX/XX/XXXX Copy of Experian report for XXXX account # XXXX XXXX  XXXX XXXX  XXXX account referenced in letter ; balance reported {$1900.00} - XX/XX/XXXX Copy of Experian report for XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account referenced in letter ; Balance reported {$6800.00}
I contacted US Bank because I was going through a divorce and need help with making sure that I could make my mortgage payments. I 've owned my home for six years, and never been late on a payment. My ex husband abandoned me and my XXXX month old son. I was told that US Bank offered many programs and that I would qualify for at least XXXX of them. So I applied for the loan modification, and was denied. I was n't given any other options! I applied again and was denied again. They said my income debt to ratio was too high. Well of course it would be! I have a mortgage and other bills! I thought the whole point of the loan modification was to help with you are having trouble!? I am now in the process of the short sale process, as well as the stages of foreclosure. I call the bank and email and they can not give me any answers to my questions. It 's like I 'm talking to robots. I have worked my whole life and to have my home taken away from me due to a divorce is so very sad. I 've never asked for assistance in my life, but when I really need it I 'm denied. How embarrassing this is for me. On top of this all, my ex husband has move to another state and is n't dealing with the stress of receiving certified mail, being served by the sheriff letters of foreclosure. What is the point of loan modification and offering it to someone? It gave me a little bit of hope then a nice smack in my face. I 'm looking for help! I 've drained every single account and IRA I had to try to keep my home. It 's a shame that my XXXX year old son and I are losing our home. I guess this is now the American dream.
My vehicle was repossessed despite making payments on the loan. In fact my vehicle was repossessed just days ( no even a week ) after my last payment. They have unfair and predatory practices aimed at ripping off consumers. I was offered a loan extension but it was withdrawn without my input and claim ( according to email ) that " I no longer was interested '' in the loan extension, after which they quickly charged off the debt. Their practices are predatory, their communications are misleading, and the entire business model unethical.
I have been charged overdraft fee in excess of what needs to be charged. 
I had a balance of {$1100.00} on XX/XX/XXXX. 
$ XXXX=-XXXX ( Debit ) XXXX ( Balance ) - {$1100.00} - XXXX ( Debit ) XXXX {$1100.00} XXXX ( Debit ) XXXX {$1000.00} XXXX ( Debit ) XXXX $ XXXX ( Debit ) XXXX ( Balance ) Then on XX/XX/XXXX1. {$560.00} XXXX ( Debit ) = $ XXXX XX/XX/XXXX 2. - {$110.00} ( Debit ) 3. - {$150.00} ( Debit ) XX/XX/XXXX: Mobile deposit = {$1000.00} Mobile deposit = {$61.00} XX/XX/XXXX = $ XXXX I had a total of 3 overdraft during this time and i should have been charged an overdraft fee of {$37.00} X3 = {$110.00}. But I have been billed an overall overdraft fee of {$180.00}. 
Thanks
My mortgage services was LenderLive. https : //www.lenderlive.com/ I have been calling the customer service line and was put on hold multiple times for over 45 minutes without anybody picking up the phone. I emailed twice and never received a response. I did not get my tax document either, which is why I was calling. It is very frustrating not to be able to talk to somebody about my loan and receive tax documentation. I need to file taxes asap.
I paid in full this XXXX XXXX account but they have not updated my credit report. I have also sent copies of the paid receipt to all 3 credit bureaus and it still has not been updated.
Opened an account. Deposited a check for {$9000.00}. They said I could not withdraw funds until after 7 business days. After 7 days, discovered they have closed my account, taken the money out and stated that they can hold my money indefinitely while trying to contact the person whom wrote the check to me. This man is a  XXXX    XXXX   XXXX   XXXX   and   XXXX    that is about  XXXX  years old. I talk to him all the time but they claim they can not contact him. As far as I am concerned they have stolen my money, because it has been more than a month now, and I assume they do this to collect interest on money held this way by thousands.
I have been getting calls for months from a company called receivable performance management. They are calling to retrieve a debt for someone I do n't even know. I have told them many times to remove my number and do not call anymore. They said they would but continue to call many times everyday. They are very rude and usually hang up on me when I try to explain the situation.
B of A is stonewalling on sending release of lien on my property following final payoff. I want details on who they contacted and to have someone assigned to expedite return of bank lien release document. I may go to the media if necessary. Thirty day period has elapsed.
Despite not opting-in for overdraft protection, Chase Bank, NA paid XXXX {$3600.00} when my checking account balance was only {$2400.00}. While I was in the hospital suffering from XXXX Chase Fraud Prevention first attempted to contact me XXXX/XXXX/2016 regarding suspicious activity on my account and also denying every transaction from XXXX/XXXX/2016 until XXXX/XXXX/2016 which included multiple attempts by XXXX XXXX Car from that period. Also, {$3600.00} is an astronomical charge for a XXXX XXXX that was recovered by XXXX XXXX XXXX while I was in the hospital. I entered a rental agreement via XXXX XXXX XXXX on XXXX/XXXX/2016 for {$110.00} not for several thousand. 

My Social Security Number is : XXXX My Bank Routing Number is : XXXX My Bank Account Number is : XXXX
Greetings, My name is XXXX XXXX. I was Involuntary discharge from the XXXX because of XXXX and because of hardship I got caught in Debt. and I decided to enroll to a debt settlement program the debt settlement program paid the XXXX XXXX XXXX XXXX in the amount of {$5800.00} taken out from my XXXX payments from XXXX XXXX. I did accept the settlement offer for some reason the XXXX XXXX XXXX Bank continued to sell me to the debt collector the Viking Client Services. and they change the account number now they want me to pay {$6200.00} now I feel so stressed and I do n't know what to do.is there anything that you can help me. I will disclose the involving party their address and telephone number. 

XXXX XXXX XXXX Bank Viking Client Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tel. # XXXX XXXX Tel. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Tel. # XXXX
I am a victim of identity theft. I filed a police report with the XXXX County Sheriffs Office. The police report case number is : XXXX, the following account, collection account and credit inquiries are fraudulent, unauthorized, arent mine and dont belong to me : XXXX XXXX XXXX Unsecured Personal Loan, XX/XX/XXXX, XXXX XXXX, XXXX, {$960.00}, XX/XX/XXXX, XXXX XXXX/XXXX, XXXX XXXX   XXXX/XXXX. I been receiving harassing and threatening phone calls of profane language, death threats, threats of arrest and being sent to jail and prison, and threats of legal action taken against me for wage garnishment and losing my job from XXXX XXXX, XXXX representatives for a debt thats fraudulent and dont belong to me. XXXX XXXX, XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law.
XXXX XXXX XXXX contacted me today from a random number that was XXXX ( yes, only a 5 digit number ). They first lied on my vmail and said they were from the XXXX department of verification and were looking for me ( they used my maiden name ). They not only called me but they called my husband and my mother in law. I have no idea how they obtained the phones numbers for my mother in law and husband. They left messages on my vmail as well as my husband and my mother in laws threatening to sue me for a debt. I called the number left on the vmail and spoke with a representative who advised me that I was in the process of being sued for an interest on a credit that was opened in XX/XX/XXXX and last payment recieved was inXXXX. They said they sent me paperwork but I never received it because it was sent to an address that I haven't lived in for over 5 years. I honestly don't know if they truly sent me paperwork.They said I had until close of business to pay or they would pursue the lawsuit. I feel like i was mislead by the company because after recieving an email from them my name was spelled wrong and when the lady verified my dob the day of my birthday was incorrect, also after I research the presumed debt was I found out that the debt was out of the statue of limitations for my state. I felt threaten that I wld be sued, liens wld be placed on my house and car, my bank account wld be garnished as well as my wages. They also threatened to serve papers to my employer. I feel like my rights as a consumer were taken advantage of because of the threats. I felt that I was forced to pay for a debt that I dont even think I was truly legally liable to pay for.
Received a demand letter FOR payment on a mortgage debt that was clearly DISCHARGED IN MY BANKRUPTCY FILING XX/XX/2014.tHIS IS OUTRAGEOUS THAT CitiMORTGAGE IS ALLOWED TO DO THIS WHICH IS A CLEAR VIOLATION OF A 93 A AND AGAINST THE LAW,
XXXX XXXX  gave me a credit card if I bought a new XXXX XXXX phone which I did not want. Now they are dunning me for payment. I put the purchase in dispute and answered their questions but XXXX refused to take back the phone claiming it was too late to be returned but it was not suitable for me to have it. Now, I reported this to Transunion and they never put it on my report that this charge is in dispute and are dunning me for payments for XXXX XXXX. So the two of them are doing this telling me how my score is lowered but if you return a thing to XXXX, I should not be charged for the purchase. I returned my XXXX XXXX  to you to return to them. 
I did not want the phone but XXXX insisted I buy it to please XXXX. 
It did not work right in the beginning and overheated. i just wanted XXXX to take it back. XXXX refused to take it back but i did not have it that long. The Transition still refuses to put this on my report that this charge is in dispute and keeps asking me to pay XXXX when it is in dispute. 
The Transunion is supposed to put that on my credit card that this charge is in dispute but refuses to do so.
1- XXXX has failed to provide proof by affidavit upon my request, which adheres to the Laws of New York State SCP Surrogate 's Court Procedures : " Every claim against the estate of a decedent other than claims for expenses of administration and claims of the United States or the state of New York must be in writing, contain statement of the facts upon which it is based and the amount thereof. In addition the fiduciary may require the claimant to present proof by affidavit that the amount of the claim is justly due, that all payments thereon, if any, have been credited, that the claimant knows of no offsets and no evidence of indebtedness and holds no security, except as specifically described in the affidavit. '' As the fiduciary of XXXX XXXX XXXX XXXX   estate, I am requiring the claimant to present proof by affidavit. 2- In CFPB response XXXX, HSBC states , " The legal description in the Mortgage and Mortgage and Consolidation Agreements matches the legal description in the title reports dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each title report references the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770 ( copies enclosed ). It is unclear as to whether the Deed dated XX/XX/XXXX, describes the property address of XXXX XXXX, XXXX, NY XXXX because a specific property address for the property is not set forth in the Deed. HSBC held a security interest in the property described within the Mortgage dated XX/XX/XXXX, and Mortgage and Consolidation Agreements dated XX/XX/XXXX, and XX/XX/XXXX ( copies enclosed ). HSBC sold the loan at issue to XXXX XXXX XXXX effective XX/XX/XXXX. '' HSBC has thus confirmed they have never held a security interest in XXXX XXXX XXXX XXXX, as this property does not lie in the meets and bounds of the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770, and is absolutely not the property contained as a security interest in said loans. However, XXXX continues to force place insurance and threaten legal action with regards to XXXX XXXX XXXX XXXX ; a property in which they have no security interest in. It has been well documented XXXX 's actions are both fraudulent and deceptive.
To Whom it may concern, my name is XXXX XXXX, my mailing address is XXXX XXXX XXXX XXXX XXXX. My phone number is XXXX and the email address is XXXXXXXXXXXX. This complaint is against Wells Fargo, my active checking, account number is XXXX and an inactive checking account XXXX. 
My problems started back in XXXX of 2015, XXXX XXXX or XXXX ( i dont know her last name because she said she didnt have to provide it. ) She told me that I came in the branch on XXXX and XXXX and made a withdrawal of XXXX. After many attempts of trying to talk to XXXX XXXX to no avail, I also attempted to talk to XXXX XXXX at the Advisory Department on XXXX, and she informed me that she had talked to XXXX and this was a cash withdrawal and i would have to speak with her. XXXX XXXX called me on my phone and informed me, '' It 's not my job to keep up with your money. If you do n't know how to do your online banking, that 's not my fault. You had your Niece to come in and make a cash withdrawal and hung the phone up in my face. '' I asked her if i came into your institution, allow me see the film, in which she stated that " she did n't have to '' show me anything and closed my account and told me to leave the bank. 

Back in XXXX of 2015 ( I 've faxed all the information claim number:XXXX ), Wells Fargo ran several payments to XXXX 1 . {$92.00} 2. XXXX and 3. {$140.00}. I received a letter from Wells Fargo 's Fraud Department accepting blame. ( letter also faxed to you. ) All of my services have been disconnected for nonpayment of services. Well Fargo is saying that it 's been paid, but they will not show me where it was paid or where my account was credited.
I have been with wellsfargo for over 6 yrs. I have notice and call about my account as well as going into the bank about my checking account. Every month it seems like money is missing .and my online account changes daily.Even when I 'm not using my card or taking out my from account. when I question them about this, they say its not them. Its me. I do know how to kept on with my accounts.I had banks account for over 40 yrs. Also I have notice that wells fargo checks my credit without permission .For 1 loan they ran it 3 times in 10 days.I have contact them about this as well and I get told that they r investigating it. and I would hear from them on XX/XX/XXXX. Instead a receive a letter telling me that its going to take more time. Three times as changed the dates on this problem. I believe that I have at account that I 'm not aware of. Befor I use my card, I check balance to be sure.and they could be a wk between uses the card, yet when i go back on my account the amount is different with no charges pending.
After reviewing my credit report I noticed a fraudulent account. I was told the only way to remove this was to pay the entire amount off. After finding out this was not accurate, and under the fair credit reporting act its illegal for them to keep this on my report. I hired a company to handle the situation in my behalf. As of now they have informed me that they sent off an affidavit for identity theft. I am still getting harassed by this company. They have continued to drag my accounts down for the past two years, with fraudulent late fees and remarks on an account that does not belong to me.
I am a XXXX veteran of the XXXX on a fixed income. I proudly served my country as a XXXX, and was able to take advantage of the government VA loan program to purchase my home in 1998. I am contacting you to file a complaint against my current mortgage company Nationstar, who is pushing me into foreclosure. The problem started when the loan ( which was originally with XXXX ) went to XXXX XXXX XXXX after XXXX went out of business. I had an affordable payment and escrow set up and had no problems. However, after XXXX got involved they decided that they had to have their own insurance on the loan which was much more expensive. They essentially made me switch to their force placed insurance. Being on fixed income this created a problem for me. I hung on for quite some time and tried to get XXXX to accept my insurance but they refused ; it did not make any sense because that insurance had been fine for over 10 years. It seemed like XXXX XXXX XXXX was getting a kickback or something by pushing me to change. 

Eventually the well was dry and I started missing mortgage payments and the loan went to Nationstar. I have been trying to get Nationstar to review me for help. They told me that they could not help me because my income was just a little short. So I decided we would rent out a room in our house in order to qualify for help with this loan. I have since been trying to get Nationstar to take a look at our current financial situation but have not made any progress. They do not seem interested in helping me, I talk to a different person every time and nothing has happened since I told them that I have a higher income. It seems to me that they are more interested in foreclosure instead of trying to work this out with me. I feel that I deserve better, and I know that there are government programs set up to assist vets with VA loans and I believe I qualify but Nationstar is not giving me a chance.
I recently applied for a credit card with Capital One and was denied on XX/XX/18. I received a letter stating that I was denied due to pending legal action being taken against me. I called Capital One and spoke to a rep in the customer service who said that they had no knowledge of any case against me and said they would send a request for re-approval. No one returned my requests and I have just been denied the card with no further explanation. It is against Federal Law for a financial institution to deny a credit card application and not provide a valid reason and a means to dispute the information if there is adverse action taken against a consumer. Additionally, the correspondence from Capital One does not include required information, such as credit score and how such information is used. Furthermore, it is against the FDCPA for a bank or debt collector to threaten to take legal action if they have no intention of doing so.
I sold all my crypto currency on coinbase and had them wire the money to my bank account on XX/XX/XXXX. Both ether and bitcoins. The transaction shows as completed in the app but I haven't received any payment on my bank account as of now. I did get in touch with customer service and they said they will investigate and will follow-up with me - this was on XX/XX/XXXX. I haven't heard anything back from them since although I followed up twice already.