WillisBack/dataset-financial-user-claim huggingface dataset:
Attempts to resolve this directly with the bank were escalated to the office of the Chairman but proved unsuccessful. A complaint was then filed with XXXX. The Bank did not respond to this. XXXX phone calls were then placed to the office of the Chairman this week and were not returned. Finally, the OCC was contacted and a complaint filed. OCC referred me to this agency. Following is a transcript of the complaint that was filed with the XXXX : 1. An application for a home equity line of credit ( HELOC ) was made based upon a promotional rate at the branch. 
2. An agent of Citizens bank, XXXX XXXX, took the application during which he was informed that the house had been listed for sale and asked if this would present a problem. The agent advised that having the property listed for sale would not present any problem. 3. In reliance on the agent 's advise, the property was not delisted and the loan was conditionally approved. 
4. On XXXX/XXXX/XXXX, coincidentally the same day the Federal Reserve announced its first rate increase since XXXX, the loan officer called and now stated he was mistaken and the loan approval was now reneged due the house being listed for sale. He admitted advising me incorrectly ( see attached emails ). 
5. I asked if delisting the house would allow the loan to then proceed to close and the agent stated it would. In reliance on this advice, agreed to delist the house, but requested a commitment in writing that the bank would proceed. 
6. The agent of the bank called back about an hour later now stating Citizens would not proceed as the house would have to first be delisted for 90 days. The agent was apologetic and acknowledged he advised me incorrectly XXXX at the time of application and then an hour before. He admitted he is new to Citizens bank and another loan officer might have correctly advised me to first delist the house, at which point there would not have been any issue with closing. 7. The entire matter was escalated to the office of the chairman. This office declined to offer a compromise solution. 
8. Since filing the complaint through the state agency XXXX, the bank has not responded to the complaint. XXXX phone calls placed to the office of the Chairman in the last week have gone unreturned. 
9. The home has been delisted and is not longer for sale. 

The relief sought is to compel Citizens to waive the 90 day delisting rule and honor the promotional rate that was promised. 

Following is a copy of an email from the bank agent admitting he provided false and misleading advise which resulted in this dispute : On XXXX XXXX, XXXX XXXX XXXX, " XXXX, XXXX XXXX '' & lt ; XXXXXXXXXXXX & gt ; wrote : Hi XXXX, I am in receipt of your email and have forwarded it to my branch manager, XXXX XXXX. Please note, I am not a Loan Officer, as titled in your formal complaint. My title is XXXX. XXXX will reach out to you once she has reviewed your complaint and will escalate it accordingly. Please feel free to contact me with any questions. 
And again, my sincerest apologies for the misinformation. 
XXXX, XXXX
There are thousands of complaints, and have been for several years, about Equifax and their ridiculous verification questions that end up denying most of all free report requests on XXXX. I have a credit score of well over XXXX and I keep all my financial info at my fingertips and the questions they ask to verify your identity are just plain stupid. They obviously do n't want to give out free reports and so far I do n't see any government agency doing anything about it. I 've tried for 5 straight years to get my report from them online with ZERO results. I applied for my XXXX year old daughter 's report today and the verification questions were about her " mortgages '', " credit cards '' and " car loans '' ... none of which she has. And of course ... request denied. " Please fill out our obnoxious paperwork and give us a couple forms of identification and MAIL us ''. WHY ARE THEY STILL GETTING AWAY WITH THIS???? If they were a person I 'd XXXX. For an organization that has the PRIVILEGE of handling everyone 's credit scores they do a pathetic job of it.
I want to report TransUnion & XXXX for continuing to have credit card accounts, loan accounts and student federal loans on my report that do not belong to me. I've filed a complaint at my local police department, sent numerous letters to these two companies and this has been documented and ongoing since XX/XX/2017. The companies that remain on my account that I have disputed have never provided proof and I contacted them directly as well. Ive reported them to the FTC, submitted fraud paperwork with them as well and sent in copies of my social security card and my driver 's license.
Under the FCRA I, XXXX XXXX request that LexisNexis immediately notify XXXX, XXXX, & XXXX  of the folllowing : That the bankruptcy items XXXX & XXXX are deleted from my file. And to provide me with a copy of said communication. Under the FCRA and as per LexisNexis, XXXX XXXX has the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).
I am trying to make my  XXXX  payment but Freedom Mortgage is refusing to apply the late Fee 's I have paid correctly, they are holding the money as stated by them. I have the Money for  XXXX  and  XXXX  but I refuse to pay the ext ra 5 late paym ent 's when I have already done so, they refuse to apply to my account and are trying to extort an extra  XXXX  dollar 's that I should n't have to pay. Every time I call them they make up a different story as to why they refuse to apply the late payment 's, I was current as of   XXXX   17  and they said they would apply the late payments once I was current which is a lie sense I was current on  XXXX 17. They keep making a reference to a fee that they say was wave in  XXXX  which is also a lie as I made a deal with their customer service if I post dated a payment they would charge me a  XXXX  dollar Fee instead of a  XXXX  late charge as stated by their customer service rep. When I asked them to give me the recording of the call where I agreed to pay the  XXXX  Charge instead of the late fee they refused to get me the call. Freedom Mortgage is basically trying to force me out of my loan and not except the correct payments. I believe they make up policy 's when ever they feel like it, why was n't the late Fee 's applied when the loan was current on   XXXX  17. They should be investigate for fraudulently keeping the late fee 's and not applying them correctly it 's a scam to get extra out of people they are illegally holding money to force my loan into default, when I am willing to make the  XXXX  and payment with out the extra late fee's.Customer service is just rude and has no desire to find any kind of resolution.
I have filed a police report, submitted to the collection agency and XXXX, XXXX  as well as XXXX  this account still hasnt been removed Im a victim of fraud and Ive got documentation stating this. This was removed from my credit report then case right back. Ive filed through identitytheft.gov as well and had opened disputes that are now closed.

The amount states that i owe XXXX  to XXXX XXXX for XXXX XXXX for a credit card debt This isnt my debt this has caused my family so much issues in trying to purchase a house. Some person stole my identity and Im fight for my life to be normal again without these things haunting me!

Please remove this account from my credit report! I cant take this any longer
I went to a car dealership to get a car but I was told that I have a credit freeze on my file. But I never told any one to put it on there. I'm tried of the discrimination that come from this company. Here the thing, when I had the freeze on my account. My identity was stolen two times threw there security breach.
The MBB INFORMRD THAT THERE AN OPEN ACCOUNT AGAIN MY FOR {$260.00} DOLLARS, FOR TWO MEDICAL PAYMEN THE PROBLEM IT'S THEY DIDE N'T SUMITED THIS PAYMENT TU MEDICARE, THE XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, MY NAME IT XXXX XXXX XXXX THE ACCOUNT # XXXX XXXX, THIS ACCUNTS WAS SINCE XX/XX/XXXX AND XX/XX/XXXX THE COLLECTION # XXXX XXXX XXXX
Credit Bureau Associates NE for the amount of {$11000.00}, I have sent Credit Bureau Associates NE a Debt Validation and they have not responded. I have no knowledge of this alledged debt.
Since XX/XX/XXXX I have been trying to work with following three companies to get account reported correctly to all three credit bureaus ; my pervious attempts have been without success on XX/XX/XXXX sent letters to CEO/President of company looking for resolution because these account are terrible hurting my credit file to my understanding these accounts were removed in their entirety. Upon reviewing my files XX/XX/XXXX I noticed that they are still here overtime I reach out to companies they update reported with more errors as recent as XX/XX/XXXX XXXX XXXX updated file from {$0.00} to {$86.00} then from account closed to open not more than 60 days late then changed it to closed charged off and my score took an XXXX point hit due to this misreporting. Not to mention the account was sent to a collection agency in which I did make a payment for deletion agreement with intent per discussion that all XXXX negative entries will be removed ( both XXXX XXXX credit card account and the collection with XXXX, XXXX which has not happen. Same situation with XXXX card occurred. Attached you will find documents sent to support dispute of inaccuracies which they seem to agree with I do my part and information is never correct by company or credit bureaus.
Several inquiries on my credit report which I did not authorize and/or recognize. Please remove these unauthorized credit inquiries immediately. 

XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX.
RecentlyXX/XX/XXXX evening, I visited Huntington Bank branch ( at XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX OH XXXX ) to downgrade our existing Money Market Account to normal Savings Account, The request was very simple, just to change existing account type and no other changes. 

On counter employee was not well experienced on servicing accounts ( but she was trying her best ) and her one simple mistake has placed us in miserable situations .... 

To switch account type from Money market account to saving accounts, she opened new savings account, transferred fund from existing to new account and in deposit entry ticket, she marked new account deposit transaction as " Cash '', and due to, system raised CTR without any genuine reason. Upon servicing account, while bank employee originated internal account to account service transfer, did not involved even {$1.00} cash deposit, how can your system raise CTR without performing system verification???????? Once CTR was raised, she did not know, how to get out of unexpected CTR or to suppress false alert. 

Due to your employee 's mistake for inappropriately handling transaction entry, we have been suffering. You have responsibility to serve and handle your financial obligations efficiently, not by developing incorrect system, where customers suffers for your mistakes. 

Due to this miserable experience, on XX/XX/XXXX Friday, I visited Huntington Bank ( XXXX XXXX XXXX XXXX XXXX OH XXXX ) and spoke with banker, asking to close my new savings account, which has created all unexpected issues. Since there was a pending online transaction on the account, banker mentioned that, he will put ticket in the system to close account on Monday, and he specifically mentioned that, I will NOT have to come to the Branch again, he was helpful. 

After visiting branch, 6 days passed but since my requested account has not closed yet ( byXX/XX/XXXX ), I called the branch and spoke with same gentleman again, and he mentioned that, there is XXXX cent Interest on the account, which needs to deposit to another account, and due to that, I will have to come to Branch AGAIN.. Just to simply close one incorrectly opened account, how many time Huntington Bank would ask customer to visit bank?????

So question comes is : Is this how customer service you provide to Huntington Bank Customers? Hassles over Hassles, one after  another? 

These types of real life experiences raised questions on credibility of your advertisement of JD Power Awards.

Huntington Bank DO NOT provide facility to submit written service request after logging in to online bank account, which makes additional inconvenience for consumers to write to bank for the service or may be a way to suppress customer complain?

CFPB should investigate these type of complains and hassle customer experiences, and must implement framework, which imposing regulations on banks to minimize burden on consumers to get simple service on account. 

If account can be open online, then why can not Huntington Bank allow customer to close account online?
file police report with XXXX police no knowledge of accounts violates my cra, hippa and my consumer rights also sent the ID theft gov to the proper companies
This complaint is reference to Capital One account. Did not receive any letter or post card on the TCPA class action lawsuit. 
Requesting verification if the following phone calls, ( see attached Capital One calls ) if they would have been included in the past Capital One TCPA lawsuit and if they were why I never received notice.
To whom it may concern : I opened a Wells Fargo Everyday Checking in XXXX 2016 online as there are no branches near where I live and my son ( an existing Wells Fargo customer ) told me that there was a promotion that Wells Fargo was running. Given that Wells Fargo is XXXX the strongest banks in the country, I thought it was a good opportunity to open an account and start a relationship in case I needed future products like credit cards or mortgages as well. 
I subsequently received my account number, debit card and debit card PIN in the mail. I returned the required signature card after I signed it as well. 
However, there is a fraud alert on my account which I discovered after I could not sign up for online banking successfully. When I called into the fraud department on XXXX XXXX, 2016, I was not given any help that was even remotely useful. I was told that I have to go to a branch with XXXX forms of ID. I do n't live near a branch ( the closest branch is about XXXX miles away ). 
Attached are my driver 's license and passport to verify my identity. 
Finally the bottom line is that if you are n't going to be helpful and clear the fraud alert and allow me to set up online access to my account, then just close my account and return the {$50.00} that I funded the account with as soon as possible. I had such a poor experience talking to your fraud department that I have no interest in calling in to speak to anyone at Wells Fargo. Otherwise you are illegally holding my money. Also, you should stop wasting people 's time if you are going to put fraud alerts on their accounts without giving them a proper ability to clear them. Do n't bother letting people open up the accounts online then if they do n't live near a branch if that is how you are going to do your fraud alerts. That is very easy for you to set up and would have saved both you and me all this trouble. 

Sincerely,
There is a hard inquiry from XXXX XXXX made on XXXX XXXX, XXXX. I did n't authorize this inquiry. I do n't have or have never been interested in XXXX XXXX. It appears on my Equifax credit report. XXXX XXXX has no automated option to speak to someone about credit inquiries. Selecting any of the other options will not get me to anyone who can help. All calls to Equifax have been met with " your call can not be completed at this time. ''
Company has restricted my ability to pay for online storage. They are currently holding my cloud storage data hostage and preventing every way of me paying except to use their credit line partnership. Company alleges t & c violation yet won't state what it is. I believe this is due to my XXXX  and my constant request for English speaking assistance. Discrimination at it's worst.
In XXXX 2013 The United States Bankruptcy Court - XXXX District of Florida had sent docs for a Chapter XXXX Discharge of Joint debtors for both : my self and my husband to all creditors involved.I have attempted to contact the companies many times to have our credit information to be updated. OUR Equifax reports has STILL not been corrected! I have also filed COUNTLESS disputes WITH EQUIFAX only to have them DENIED by YOUR company and my credit score impacted further- this is in VIOLATION of the bankruptcy of the Bankruptcy court discharge! This needs to be corrected ASAP! - I want this backdated to XXXX of 2013 for the correction as well.
I called to settle the account out, the collector offered me a settlement around 2700.  He put his manager on the phone who then offered a higher settlement because I was n't willing to pay within the next 3 weeks. I was offering the settlement byXX/XX/XXXX He told me that I was going to be a noted as a refuse to pay. I tried to explain to him that I was willing to pay the XXXX that was offered by XX/XX/XXXX. I then requested a settlement offer in the mail, he then told me no and that the company already sent me mail regarding this. He then told me if I was n't willing to pay inXX/XX/XXXXI 'm a refuse to pay. I told him I 'm willing to settle in XX/XX/XXXXand I would call back.
ON XX/XX/XXXX BANK OF AMERICA ILLEGALLY DEBITED XXXX FROM MY CHECKING ACCOUNT FOR TRANACTIONS I HAD PREVIOUSLY DISPUTED AND THEY HAD CREDITED ME FOR ONLY TO TAKE BACK THESE VALID TRANSACTIONS I HAD DISPUTED. I HAD SUMBITTED PROOF AND THE BANK MANAGER HAD VERIFIED THAT MY INFORMATION IS ACCURATE. THIS IS DISTURBING AND BANK OF AMERICA IS ENGAGING IN UNETHICAL AND EGREGIOUS BANKING PRACTICES.
Since XXXX/XXXX/16, I 've received XXXX phone calls, which I immediately am hung up on, from Halstead Financial Services. I 've called the numbers back 3 times to be removed, as I do not have any outstanding debt or accounts with this company. I 've called the toll free number on their website and advised to cease contact, and each time was ensured that it would require 2 business days to be removed from their system. My last communication with Halstead Financials Services was through a complaint portal on their website on XXXX/XXXX/16. Since that submittal, I 've received an additional 4 phone calls from them. 

They call from these phone numbers : XXXX XXXX XXXX XXXX If necessary, I can also provide the dates and times of each of the calls, as well as, the dates and times I contacted them to have my number removed.
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX on behalf of XXXX XXXX ( ATTACHED ) On XX/XX/XXXX, I responded to that letter requesting signed credit application & statements ( ATTACHED ), on XX/XX/2017 I received another letter from XXXX XXXX XXXX, XXXX with a settlement offer ( ATTACHED ) clearly this is not what I requested, then on or around XX/XX/XXXX I received a letter from Resurgent Capital Services ( ATTACHED ) saying they have enclosed account summary ( ATTACHED ) as you can recall on XX/XX/2017 I requested signed credit application & statements from XXXX XXXX XXXX, XXXX, I only received account summary from Resurgent Capital Services. But they did not include a copy of the signed credit application. 3 collection agencies involved for one account and none can provide me a copy of the credit application.
On XXXX XXXX, 2016 at about XXXX I spoke with a representative XXXX to gain clarity and further verification of a debt in their office. Later he provided a Pay for Deletion offer in the amount of {$3000.00} to get IQ Data off my credit report. I asked him to give me sometime and I would call him back the following day. On XXXX XXXX XXXX called to continue discussing the Pay for Deletion and when asked to furnish a letter he refused and placed me on the phone with his supervisor. The supervisor after I told her I was n't going to furnish my credit card info to guarantee me the Pay for Deletion and terms discussed said she was going to place that I refuse to pay the debt in the notes to the file. As well as charging interest to the debt that is owed. The interest was over {$1500.00} and the claimed debt I owed was over {$4700.00}. When asked to send my debt back to the original creditor IQ Data reperesenative refused. This has truly place a strain and damage to y credit report and history for the past XXXX. These practices are illegal under the FCDPA and the FCRA.
My husband and I hold a bank account together. He can not handle finances and has a XXXX  problem. Bank of America let him withdraw funds beyond the amount we have in the account, with a notice that if sufficient funds are not in the account to cover the withdrawal, there will be a {$35.00} charge. He withdraws the funds believing he will have the money to put back in time, but rarely has the ability to do so. In my opinion, Bank of America is engaging in predatory lending as it knows fully well when clients will not be able to repay the amounts. If {$100.00} is withdrawn and not covered the charge is {$35.00}, if another {$100.00}, ( which the bank allows ), another {$35.00}. If the money is not in the bank within 3 days then in this scenario an additional {$35.00} per withdrawal is changed. This is usury. I have asked the bank to not allow these transactions but they continue. If I took out a high cost loan the interest would be a tiny fraction of this Bank 's income producing strategy.
My previous apartment wrongfully placed us on collection without us being notified about it. I went into contact with the apartment and they agreed to settle and remove the collection they had placed on me because it is a fault on their side since i gave a move out notice complete with the my new address and phone number but i was not contacted. Several weeks goes by and my apartment said it has been taken care of but the collection is still showing on my credit report and i have tried to contact the collection agency many times they just keep saying they ca n't access the account # and send me to voicemail of some guy which never calls me back after me leaving messages