WillisBack/dataset-financial-user-claim huggingface dataset:
After moving money around between my various Suntrust accounts, I spent a lot of time trying to find the fee schedules for all my various accounts to make sure I did n't incur any service charges for low balances, etc.. I found there is no easy way to see the fee schedule for a specific account. There is a pdf online that shows the fees for the current products offered, but I have a bunch of older account types. I discovered that I had several {$15.00} charges on my money market account starting last XXXX because, while the current money market account being offered waives fees regardless of balance if an automatic checking transfer is in place, my older account did not. It 's hard for a consumer to avoid fees when Suntrust only publishes the fee schedules for the currently offered account types. I had to threaten to close all my accounts and move to another bank if those fees were n't refunded. A customer service rep refunded XXXX of the XXXX {$15.00} charges, but said that 's all they could do? I would like the other {$15.00} charge refunded as well. But, most of all, I would like Suntrust to simply make the fee schedule for each account type easily accessible so others do n't have to waste their time like I have. 

I see 2 possible solutions : 1 ) Make the fee schedule for each account easily accessible - even when those account types are no longer part of the current retail offering 2 ) Transition account types that are no longer offered automatically to new account types where the fee schedules are easily accessible. 

How is a customer supposed to know when their account type has become a legacy product and no longer important enough to offer an easily accessible fee schedule? 

BTW, how hard is it given the state of technology to give some sort of a warning to customers when they do something that is about to incur a fee ( with a link to the fee schedule for their specific account )? I get plenty of correspondence from Suntrust trying to sell me additional products and services. How about something I can actually use - like a notification that my balance has fallen below a certain level and I will be charged if nothing is done by a specific date.
I believe that Equifax 's algorithm needs to be audited as they have adversely lowered my credit score without any explanation other than that I can not despite my credit score. I have paid all my creditors on time and my credit score is in the mid 650 with the other beaures With the security breach that occurred I believe that they are targeting me for no reason. Please do something about this ASAP
I have XXXX accounts that are over XXXX years old and should have already been removed from TransUnion. Because they have not been removed, They are affecting my credit score. I have requested they be removed and have received no response. 
I would have expected at least the fact they received my request.
I have debts on my credit report from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and  XXXX  that are all listed as charged off/past due. However, all debts listed on my credit report have been satisfied with each creditor. I have contacted all parties and in some instances it 's has been more than 60 days without them correcting the information on my credit report.
There are on authorize items on my credit report that I did n't pull my credit XXXX hard INQUIRIES THAT ARE AFFECTING MY CREDIT SCORE THE INQUIRIES WAS REMOVED FROM MY XXXX CREDIT REPORT BUT THE INQUIRES FROM YOUR COMPANY IS STILL SHOWING ON MY CREDIT REPORT I SEND AND LETTER AND TRYING DISPUTTING INQUIRES AND GETTING A LAWER THIS IS FRAUD ON MY REPORT AND HURTTING MYSELF AND CHILDREN
I was awarded XXXX XXXX with Department of Education over a year ago. All of my loans were moved over to XXXX  for that process, with the exception of a Sallie Mae personal loan. I contacted Navient who told me because it was a personal loan -- with a co-signer, it was not eligible for XXXX XXXX. I contacted Sallie Mae to see about getting this loan forgiven and they advised they have no control because they gave all federal loans to Navient, and would not have any record of it.

Then, I obtained a copy of my original promissory note with Sallie Mae ( from Navient ), which states I can pay {$50.00} a month if that is my only option and advised Navient in writing of this. However, Navient has continued to call me, charge me fees, and add negative additions to my credit reports.

If this loan has been sold to Navient as a federal loan, then shouldn't it be treated as a federal loan and discharged at the time of the Department of Education 's approval? Can you find out why this loan hasn't been discharged? If there is no other option, why can't I pay {$50.00}. per month as my original promissory note states without negative results from Navient?
Nicholes Financial Inc is reporting a Charged off account on my consumer report and is still trying to collect on said account. That will not provided me with the original contract nor statements of accounting.
I signed up for Identity Theft Protection with my bank, Wells Fargo, in XX/XX/XXXX. I was told I would be charged an annual fee of {$12.00} for Quarterly credit reports. 
Just recently I had a XXXX balance when this charge for XXXX came through from XXXX, listed as XXXX with a string of information. I had never noticed this payment before. I called Wells Fargo ( WF ) and asked what that was, they said XXXX had been charging me monthly for the last 5 months. I requested a stop-payment and my money back, looked up the company and learned there was a class action lawsuit for this company doing the exact same thing to many, many people. WF opened a case. WF later called me back and said that I had in fact been charged monthly since XX/XX/XXXX. I was charged twice in that first month. I was willing to pay the annual fee, and wanted to dispute the remaining 11 per year x 7 plus 1 for the first month, and two for XX/XX/XXXX. So, XXXX x 80 payments. I called WF to ask for a status update and they said they had refunded me {$50.00}, but that the case was still open as these things can take up to 18 months to close. I then received a letter telling me to consider the case closed, and to pay closer attention to my statements. Please help!
I have provided the following information to XXXX, XXXX, and OCWEN Loan Servicing LLC : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copies of the reports I received from XXXX and XXXX. 
This item, OCWEN Loan Servicing LLC, Home Equity Line of Credit is inaccurate because the date of first delinquency ( DOFD ) is either missing or inaccurate. As a result, the negative information associated with this specific tradeline is listed in my consumer file longer than legally permissible. 
The XXXX report does not specify a DOFD. The XX/XX/XXXX report indicates a Last Payment Made of XX/XX/XXXX. More than ten years ago. In addition, the property securing the Home Equity Loan was foreclosed on in XX/XX/XXXX. I have enclosed a copy of the Foreclosure Deed as additional proof. The Foreclosure Deed was recorded in New Jersey with the XXXX County Clerk on XX/XX/XXXX. 

I am requesting that the information in your records be corrected and that the item be removed from my XXXX and XXXX credit reports to correct the information in my file. I have disputed this item with XXXX and XXXX and have not been given an explanation as to why the file has not been corrected. 

Enclosed are copies of the Foreclosure Deed and the relevant portions of my XXXX and XXXX credit reports along with the disputes which support my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 

OCWEN is providing incorrect information to XXXX and XXXX. There were no payments made in XXXX. The last payment date shown by XXXX  is XX/XX/XXXX. The date of first delinquency is over ten years ago. In fact the property securing the loan was foreclosed on and the foreclosure deed recorded on XX/XX/XXXX. Nearly nine years ago.
Capital one closed my secured credit card account with a credit line of {$2800.00} in error on XX/XX/XXXX. I spoke to an agent named XXXX on XX/XX/XXXX, and at that time she was very vague about the situation. She kept me on hold for over 30 mins. When she finally returned to let me know why the account was restricted at that time, she was very vague. She said that I needed to call back the next morning, and speak with another department regarding this issue. I asked her what department should I speak with the next day, and she advised that she was not able to give me that information and to just callback. When I called the following morning, I spoke with a supervisor named XXXX. XXXX advised that my secured credit card account was closed along with several other secured credit card accounts due a system error. She advised that my card would be unrestricted within 5-7 days while they research this system glitch, and I would receive a call and a mailed letter regarding this issue within a couple of days. I called 5 days letter and spoke with another supervisor named XXXX. I advised her that I received an alert about my credit report, stating the account was closed, and my scored was impacted. She apologized for this issue. She said she didnt have a resolution date at this time. She said that they are trying to find out why the system did this to my secured credit card, so that they can either unrestrict the old card, open a new card, and send the security deposit of {$2500.00} that I paid when I opened this secured card in XX/XX/2014. She said they wont be sending back the deposit, or unrestrict the card until they research more. I advised that I had a XXXX balance, and I was planning on using that card for back to school shopping, and to pay some bills. She said they'll see about expediting this matter. It is XX/XX/XXXX, and I still havent received a letter or phone call from Capital one regarding this matter. My card is still restricted. Also, I want to mention that when I opened the account in XX/XX/2014, I was told that it was secured for 12 months of good payments and it would be switched to unsecured and I'd receive my {$2500.00} deposit back. I was never late, it's been open for 4 years, and never received deposit back.
Upon being denied for an apartment from my XXXX report, I Contacted XXXX immediately that to let them know I DID NOT authorize and had no knowledge of this apartment! I contacted the collection agency and XXXX and have been given no relief. I also placed a fraud alert on my credit reports. Per my investigation this company did not receive any authorization or identification from ME to lease an apartment to anyone for any reason. NATCRSYS {$1000.00} XXXX2014 NATCRSYS {$1200.00} XXXX/2014
WE fell on hards times back in 2012, losing jobs, XXXX, XXXX etc. We took from our XXXX XXXX durning this time period. Family had to move in with us due to their own hardships, casuing our monthly expenses to go up. We just recently fell behind because of these situations. We understand that we can afford the mortgage we know we are at a 30 % debt to income ratio, had we applied durning the medical situations and unemployment the debt to income ratio would have been approved. Our primary mortgage has just been approved for a modification.
ACS Education Services represents that its re-certification process for the IBR plan is 7-10 days. My application was received by ACS on XXXX XXXX, 2016. Notably, on XXXX XXXX, 2016, an ACS representative stated that my application should be processed before my increased payment ( non-IBR ) is due on XXXX XXXX, 2016. Based on her advice and representations, I agreed not to submit a forbearance request at that time. But, my application still has not been processed as of XXXX XXXX, 2016. ACS 's inability to complete a timely review of the IBR certification may result in a delinquency and negative credit reporting.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Barclays Bank Delaware XXXX XXXX All these were the dates that my credit was ran at these stores. I got in contact with all of them because I was a victim of identity theft and explained the situation to them and nothing was done
I'm very surprised to see a late payment reporting on my credit report.to my knowledge I have always made my payments on time. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
I was scammed in buying a car that was stolen.. was making false payments and was asked to use cashiers check. 

Wells Fargo is still displaying foul practice even after being loyal for 10 years.. discrimination and robbers.. theyre own employees do wire fraud
My wife and I applied for a HARP loan with Bank of the West and fraudulently misled on the terms of the loan. On the application, we specifically stated that we did not want an escrow/impound account imposed on the loan. During processing, Bank of the West changed our selection by adding an escrow/impound account without informing us. 

While we were at the title company to sign the loan documents, we discovered that contrary to our requirements, the loan provided for the imposition of an escrow/impound account. We immediately refused to sign the loan documents. The notary then called the loan officer at Bank of the West who assured us that the issue of the escrow/impound account would be resolved at a later time and urged us to sign the papers. If we were not given this assurance, we would not have signed the papers and would have backed out of the loan. 

We attempted to resolve the issue with Bank of the West. The bank told us that for this type of loan, an escrow/impound account was required by bank policy. If the escrow/impound account was bank policy, why did n't the loan officer inform us of this when we filled out the paperwork? Moreover, why did the loan officer assure us that the issue would be resolved after we signed the loan papers when he was certainly aware of the bank 's policy? This clearly constitutes fraud or, at a minimum, negligent misrepresentation by Bank of the West.
Im attempting to communicate with JH PORTFOLIO DEBT EQUITIS. I have checked my credit report and there is an report of a debt owed for the balance of {$1600.00} the account is roughly 10 years old. I have attempted to call, dispute the credit debt, and mail a verification validation letter. I sent a  validation letter in the middle of XX/XX/2018 and have not received any response.
I have 12 loans with XXXX XXXX XXXX/ XXXX Lates are being reported for XX/XX/XXXX, XX/XX/XXXX, XXXX of 2015 for four of the loans but not the other eight. I was enrolled in school at this time and my loans should have reflected deferred for XX/XX/XXXX, XX/XX/XXXX, and XXXX of 2015. Ive disputed this issue with the credit bureaus with no successful outcome.
I purchased a hot water heater from Home Depot. At the time of purchase, it was a special promotional offer, no interest if the balance on the item was paid off within a specific time. I made a payment on my regular balance, and wrote a separate check to be applied to the promotional balance only. They did not apply the second check to any of the promotional balance. I have called them twice, requesting that they do so, and they have told me yes, they would change it, but they have not. On the most recent call I made, I was told the change would show up on my next statement, which would put it past the promotional offer payoff limit, and they would then charge me back interest. This is unacceptable, and should be illegal.
On Friday, XXXX XXXX, XXXX, I received a call from XXXX XXXX XXXX a representative from a collection agency named XXXX. XXXX XXXX advised me this was a debt collector and his intent was to collect a debt that had been sold several times from the originator " Continental Financial, Matrix Credit Card. '' He stated I owed upwards of {$700.00} and he planned to seek legal charges ultimately resulting in me paying close to {$3000.00} in legal and penalty fees if I did not pay the {$700.00}. In the beginning, I informed him the debt was paid for less than what was owed ; until I went home and checked my records and discovered that I received a letter from Continental Finance ( CFC ) stating I was due a refund or at least since my account was a " charge off '' left me to believe I was no longer responsible for the debt, because the letter from Continental Finance clearly states " Charged-off '' accounts are accounts CFC determined are not likely to be collected and are closed to future charges. Since then, this account has been removed from my credit report as I assumed this was finally settled. Initially, I was in contact with several representatives from CFC such as collection manager " XXXX '' XXXX XXXX ) and CFC representative XXXX XXXX XXXX XXXX ; FAX : XXXX ) advised him I was in possession of the letter from CFC dated XXXX XXXX, XXXX that originally explained the consent order and how the " Charged-off '' account worked as described in the letter from CFC and the Consent Order from CFPB. I made several attempts to contact CFC directly ; however, they informed me they sold the account and they no longer could comment on the case I would have to contact the collection agencies to obtain information. I again talked to XXXX XXXX who informed me I was to send him a fax stating I had paid the bill ; however, when I attempted to explain to him the mix-up, he refused to listen and stated he was going to order his staff to begin the legal process against me by checking assets, financial and employment reports ; in addition, not only would this lead to increased fees, but criminal charges may also apply as well. I took this as a threat, even in the initial telephone conversation I was not able to give a full explanation concerning this issue as XXXX XXXX insisted on interrupting me with threats to pursue legal actions. According to your Consent Order to Continental Finance in XXXX Order to Pay Redress, item # XXXX ( XXXX ), ( i, XXXX, XXXX ), it addresses the issues of " Charge-offs, '' if I am reading it correctly, this case should be closed and can not be enforced. I mentioned earlier that several other collection agencies have purchased this account ; however, I have heard from none of them until I reached out to them all on XXXX XXXX, XXXX based on information I received from CFC. Agencies such as XXXX ( XXXX ), they claimed I owed {$640.00} ; XXXX ( XXXX ) who claimed I owed {$660.00} on account number XXXX, and finally, XXXX XXXX XXXX ( XXXX ) XXXX, I spoke with XXXX who then transferred me to XXXX XXXX XXXX.
We had a mortgage we opened with Wells Fargo, back in XX/XX/XXXX. ( FHA ) Unfortunately it was foreclosed upon us on XX/XX/XXXX. Wells Fargo is incorrectly reporting that it was foreclosed in XX/XX/XXXX. That inaccuracy is preventing us from purchasing a new home. I have gone nonstop back and forth with them about this error and they are refusing to fix it. I am attaching the actual letter and legal documents showing the sale took place XX/XX/XXXX. 

House was under XXXX XXXX XXXX XXXX XXXX. 
XXXX. TX XXXX. 

Our current address is XXXX XXXX XXXX XXXX . 
XXXX TX XXXX XXXX
I have  XXXX  accounts with Coinbase.   XXXX   is a bitcoin account, and the other is an Ethereum account. I have a verified driver license on my account, and they are asking me to submit another ID to perform any buy or sell requests. Their website continually does not accept my Global Entry ID, so my accounts are frozen. I have a total of {$180000.00} in   XXXX   accounts. I have submitted several requests to have them verify another ID, or have me submit another form of ID such as a phone bill, and they are not getting back to me.
Received a title loan form XXXX, in meantime my car was totaled. XXXX was informed and repossessed the car. Was sold at auction, and status or amount still owed has never been tallied or given to myself after several requests. nor can i get accurate info when calling
My personal phone was called 12 times in a span of two days from a collections department from PNC bank. My account is in good standing with no historical delinquency. My payment was within the disclosure of the grace wait period. I think the collection practice was unnecessarily aggressive and inappropriate.
I submitted a complaint against this company case number  XXXX  the garnishment was stated to be with drawn by them and it is still in place.
Last fall I obtained an auto loan. To reduce the amount of interest charged for the loan, I agreed to allow the lender to automatically take the monthly auto loan payment from my checking account. 
Many months later I logged into the bank 's website to review my accounts. I accessed the auto loan account and clicked on the Payment Details tab. The Payment Details tab displayed column headings of Date, Principal, Interest, Late Fees, Other Fees, and Totals. 
Only a couple of months of payment history details were displayed and the value displayed in the Date column wasn't accurate. It displayed the 4th day of the month even when payment was made on the 5th day of that month. 
I also saw that the interest charged in a later month was HIGHER than the interest charged in the previous month. There were no online statements -- just a couple rows of history -- so I called the bank 's customer support phone number. 

The representative did SOMETHING that allowed me to see several more rows of payment history data. 
When I saw more rows of a higher interest amount, I was really confused. 
I expected the Interest amount to be less each month because the balance the interest is calculated on is decreased with each payment made. 

The customer support representative submitted a research request and later I was called back and told me the Interest was higher in the later month because of the number of days in that particular month. 

I am unable to determine whether what the representative told me is correct or not. 
I can see only the current loan balance. I can't tell what the loan balance was for prior months. 

I tried several internet auto loan calculators and none of them had the same values I saw displayed for my loan, including what the monthly payment amount would be the amount I borrowed at the interest rate I thought I had. I thought I had a 60 month loan -- but maybe I really have a 59 month loan -- not sure? 

I am so confused on what reality actually is. And also afraid to make extra payments since I won't be able to tell how/if the amount is credited to my loan.
This is not the first time this has happened with Kohls.com and the associated Kohls charge card. I placed an order on XX/XX/2018 that involved 2 items, which were to be delivered by XX/XX/2018. One item arrived on XX/XX/2018 with no problem. The other item did not arrive and the shipping tracking information for the 2nd item was invalid. Just so happens this item was never shipped from Kohls ( after to speaking with 2 customer service associates, a supervisor, and a complaint to their office of the president ) and now the price is double the original price. Kohls charge card quickly says " Sorry we will refund '' but offers nothing else. This has happened before when they increase the price of an item. They do not ship the item and just want to refund and force you to purchase at a higher price.