WillisBack/dataset-financial-user-claim huggingface dataset:
PNC Bank wrongfully withdrew {$360.00} from my new bank account to offset fees that should never have been levied against an old account that I closed, and for debiting {$72.00} from my new account to cover the overdraft this created.. 
On XXXX XXXX, 2016, I lost my ATM card. Someone tried to use my lost ATM card to withdraw funds and check the balance on my account. PNC Bank noticed the activity and immediately suspended my account. 
The next morning, XXXX XXXX, PNC Bank called and notified me of this and told me she had deactivated my ATM card, and that I should go to the nearest branch bank and close my account. 
I went to the PNC Bank branch at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX to close the account. XXXX XXXX, Customer Service Associate, closed the account and told me the ATM card was deactivated. He also opened a new checking account for me. 
At that point, PNC had charged me {$60.00} in transaction fees for the attempted activity with my stolen ATM card. XXXX XXXX told me that the fees would be returned to me, and that the old account was closed. The following Saturday, I was told at another branch that my old ATM card had not been deactivated. It was deactivated at that time. 
On XXXX XXXX, the old account was showing an arrearage of {$120.00} because PNC Bank assessed another {$72.00} in overdraft fees. A PNC client services representative on the phone told me the account was being kept open for 30 days in case any other checks or debits would come through, and that I had to cancel all ACH authorizations myself ( which I had done ). She also told me to return to the my branch bank to have the fees reversed. I went to the bank and XXXX XXXX told me all the fees would be refunded, the account would be " XXXX '' again. He told me I would also be getting a refund for the initial {$60.00} in fees stemming from the fraud on my account, and told me there should be no activity on the account going forward. 
I noticed a week later that the arrearage in my old account had grown to more than {$200.00}, as the bank continued to accept unauthorized ACH debits, and charged me a {$36.00} fees after reversing the debits. I returned to the branch and was again told by XXXX XXXX that the fees would be reversed. 
On XXXX XXXX, I received a letter from PNC informing me that they had issued a credit memo against my new account for {$360.00} to pay for the NSF fees charged to my old account. This created XXXX overdrafts in my new account and I was charged {$72.00} in fees. XXXX XXXX told me the money had been taken by " the back office, '' and I would have to go through the escalation department. Last week, XXXX XXXX, Escalation Manager, told me by phone the new investigation process would take five business days. I wen to the bank and XXXX XXXX, Branch Manager, told me the {$360.00} would be returned to me, but I had to let the " process '' take its course. I went to the branch on XXXX XXXX, ( after seven business days ) and XXXX XXXX, told me that the bank had decided not to return my money. He told me to contact XXXX XXXX, Regional Manager, to have the decision overridden. I called XXXX XXXX two times and he never returned my calls.
unaccurate, not correct calulation, bad on math anyway u want to call it. this is for santander XXXX financing my car case number # XXXX my email XXXXXXXXXXXX OR XXXXXXXXXXXX cell XXXX XXXX XXXX
I received a deceptive message from a mortgage company names Intercontinental Capital Group in XXXX CA. Below is the transcript of the message they left : Hi it's XXXX, I went straight to voicemail so I hope you're not bothering if you're at work um but we tried sending two letters, and we didn't hear back. My boss said one was UPS, so I don't know if we have the right mailing address. Um anyway, I'll be in the office late tonight so if you could please just give me a favor and call me back either way, my desk is XXXX and um if you got the letter then I guess theres no point in calling me back - all right thanks. 

When I called back concerned as I had no idea what this person wasnt talking about or who XXXX was - I was routed to a female who said XXXX was on her team and they were reaching out to help me reduce my interest rate or cash out equity on home loan. 

They were lying, and never sent me letters or a UPS. This unfair, deceptive, and false advertising.
This company F.H. Cann and associates keep calling me about a debt that my brother owes. This has repeatedly called my number even after I told them not too. I just want them to stop calling because I have no idea where he is and to my knowledge my brother never had my cell phone number.
I owed a large amount of money to XXXX 's and was unable to pay the full amount ( I believe it was owed over {$8000.00} ). Because of the problems, I signed up with XXXX XXXX XXXX to try and get this credit resolved. I was promised that if I made 29 payments to them, they would be able to negotiate and resolve my debt with XXXX. <P/>I signed up for this service in XXXX, XXXX and faithfully made $ XXXX monthly payments for the 29 months. XXXX XXXX signed me up with Global Client Solutions to handle my money but I think they may be one in the same, I do not know. My last payment was made in XXXX, XXXX. <P/>I heard nothing more from anyone until this past month when out of the blue, I got a check from Global Solutions for {$2600.00} and was told to deposit it and they ( XXXX XXXX ) would arrange for it to be debited to my XXXX account. I became suspicious at that point and did not deposit the money and cancelled the authorization and debit. <P/>I then contacted my local legal services office and they were able to get a copy of my account showing that I made 29 monthly payments of {$150.00} for a total of {$4300.00}. The {$2600.00} check represented a return of my money that I had deposited less their transaction fees and customer fees. I then learned after contacting XXXX that the check for {$2600.00}, if it had been debited and paid to XXXX, was not a payment in full but a partial payment and that none of my debt to XXXX had been negotiated down. <P/>I believe that they just took my money and never did anything they promised. I think they should give me back the fees they took, {$1600.00} ( {$4300.00} - $ XXXX {$1600.00} ), and they should not be allowed to take advantage of other people this way. I am elderly person whose only income is social security. I did not understand that they were taking advantage of me until this month.
On XX/XX/XXXX I borrowed XXXX from Advance Financial. The first payment was reasonable at XXXX but the payment scale soon went to XXXX a month. XXXX was interest due. My principal is still at XXXX. But the interest is XXXX. I have talked to company representatives about the monthly payments that I just can not pay. Although they have accepted the smaller payments, this is only going to interest which is at 360 %. On XX/XX/XXXX, Instead of taking XXXX out of my account, this company took XXXX without my authorization. Even though I am disputing this it still left me without any funds for the next two weeks. Had I known what type of underhanded practices they have for interest and that they can change your payments at will, I would have never ever bothered this company. I will pay the money I owe going a different route but XXXX for interest is robbery. Please see if anything can be done about these exorbitant rates, and how they can go into an account that they were not authorized to use, take whatever amount they want and get away with this.
The XXXX XXXX University XXXX XXXX. This debt has been completely paid not charged off. This was a school debt, I made payments and pay this debt off.
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX
For the past five years Ocwin has what we believe is an effort to lose our payments so that they could annul our loan modification. If we get behind on our payments we lose several benefits that must be paid by the lender. They been successful by changing our payment amounts then charging the difference the next month, on several occasions simply rejecting our payments without notification. However this complaint is about Ocwin scrambling our payment history when we decided to push back against the most recent lost payment. Please see attached reported current history from Ocwin. We can not make a determination of our owed payments with Ocwin because they refuse to give us an accounting.
I received a  Summons letter  earlier this month from office of   XXXX   XXXX   XXXX   XXXX  stated that I failed to appear in court  XXXX  and a judgment was made against me in  XXXX  in regards to a  Providian cre dit card from maybe  XXXX . I emailed their offices questioning what the documents was about because I was never notified on the actual hearing date! Even worse it 's  10 year old a nd they are chasing me for this! I probably had this type of card but thought the account was charged off or something? Sorry not sure what came of this card, I will own that I could have had a balance but NOT {$3000.00}. This office stated that the amount before this " judgement " against me, {$1800.00} was being basically taxed every month since   XX/XX/XXXX !? Whi ch explains why it sits at {$3000.00}? Anyway I called this office today  XXXX  # and requested a payment plan because I ca n't afford to take time off and or extra court costs. I need to know if this is legitimate? This whole thing has thrown me for a loop because it 's been 10 years and the lustig office wo n't give me anything other than the summons letter to explain why after this long I 'm being charged to pay this drastic amount. Please help!
I closed three ( 3 ) credit accounts with CHASE Bank. two accounts have been a year since it was closed. None of the three accounts are showing closed on equifax. This is showing XXXX in revolving credit affecting my credit score and the possibility of securing a future home loan.

CHASE has done this out of habit and nothing seems to get their attention.
I am being denied a Harp from Ocwen. They said I have already had one Harp, when the modification offered me was not Harp compliant because it was and ARM loan. I lost significant income in XXXX of last year and have struggled to stabilize financially. I have recently recouped enough to meet a modified mortgage and am being told by Ocwen my only option is Short sale or Dead in Lieu ... .I am XXXX ... and my daughter is XXXX ... I can not move and feel that with a modified mortgage I do n't need to. I have the supporting documentation to substantiate my claim.
Specialized loan servicing has been charging late fees to my account making it harder to make my monthly payment as I'm on a fixed income. My account has late fees in the amount of {$150.00}. I'd like them to waive those fees so that my account could be in good standing. I send my payments before the beginning of the month and they are " early '' as I sent the XX/XX/XXXX payment at the end of XX/XX/XXXX for example and the servicer receives it before the due date which is the first of every month. However, for years I have been charged late fees and they say I am making my payments late. I don't believe I have ever missed a payment as I would known since my income is very limited. They also said that there was a payment increase and my payments were short. That this happened in XX/XX/XXXX. None of this was explained during all of my calls to the servicer. I am just barely finding out with my Housing Counselor 's help. Please reach out to my servicer and help me resolve these issues. I want my account to be in good standing. My income is only {$1400.00} a month since my husband passed away in XX/XX/XXXX, and if the servicer would have explained this before, the late fees would not have accumulated. I appreciate your help in this matter.
For the past year or so ; I have added money to my regular monthly payments to reduce the principal. As of lately ; they have started crediting the overage to future payments rather than reducing my principal. I have called them 2-3 times on this already and here again this month they have done the same thing. I want my money to be applied where I state it on the billing stub I send in with every payment. What is my recourse?
I have tried access and calling for access to the account since XX/XX/XXXX. The facts that I have to pay penalities on a CD due to your company negligence is outstanding lol.
I have been applying for a refinance of my condo mortgage since XXXX/XXXX/16!! 
Mu mortgage holder is BB & T I have been approved for 4 weeks and continue to wait for results $ $ $ I have contacted every complaint Dept. available!! Please advise!!! 
my name is XXXX XXXX tel. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
On or about XX/XX/18 I requested personal finance company XXXX mo to buy out another loan from another company I offered to put up ( 2 ) vehicles valued at over {$7500.00} for a {$5000.00} loan with collateral of these ( 2 ) vehicles their Area Manager only offered me {$1500.00} more and wanted both vehicles as collateral leading me to believe they should be investigated for shady business practices or deceptive loan practices every other loan company offered me the deal however I feel the Office Manager of XXXX has a personal vendetta against me my income wasnt an issue neither credit why are finance companies allowed to only offer {$2500.00} for {$7500.00} in collateral as a consumer I would ask for an answer?
On XXXX XXXX, 2016 my cousin XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal & left the bank within 25 minutes of leaving the bank, XXXX XXXX branch manager contacted her again and informed her to bring the money back due to a fraud alert due to deposits not being in the account holders name we were informed that if XXXX XXXX brought me to the bank and I verify my identity everything would be fine that was not the case when we got back to the bank the branch manager XXXX XXXX just wanted the money & did n't give any information as to what actions should be taken next nor did she review the information we brought to the bank I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX XXXX XXXX. I have been able to get nowhere & they have constantly responded in a rude manner presenting horrible costumer service skills. I have limited information about my funds & Suntrust Bank internal department is telling me they can not give me a time frame as to when my funds will be released & and I was referred here to possible get a resolution within 10 business days of this matter being referred to the bank
Problem  is with Experian. Thanks to them someone with my same name who stole my social security number opened a Credit Card. The person never paid it. After I submit a fraud alert and an investigation, they still kept the address of the thief, even though that address stand out from the rest which are all on the same state, except for that one.     Trying to get them on the phone is impossible. And the online options to submit additional information to clarify the problem or chat with a representative are virtually non existent.     What a nightmare.
XXXX XXXX XXXX. XXXX  XXXX, XXXX XXXX XXXX, UT XXXX I Had my Purse stolen in XX/XX/2017, and I also wasnt able to pay due to my daughter having a major XXXX, and also having my purse stolen. I offered to give them the police report, and my daughters papers from the and it is still showing up on my credit report as a Delinquent account for XXXX and XX/XX/2017. Which also made my credit score go down and shows a delinquent on my credit account.
I paid my car off on XXXX XXXX, 2017 with XXXX XXXX XXXX. 
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}. 
This is not true. I have contacted all three credit reporting agencies and XXXX XXXX XXXX. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me XXXX XXXX XXXX is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days. 
Somebody please help me im at my wit 's end. 
Someone please do something!!!!
I can not afford a lawyer, but I have tried to fix my credit in every way possible. XXXX, XXXX, and Experian REFUSES to remove items off of my credit report that were CLEARLY identity fraud. I provided police reports on several occasion. Ive sent in copies of my Drivers license, SS card, utility bills, FTC complain forms, detailed account information, AND police Reports ... and EVERY SINGLE form they asked for. ALL they did in return was either deny the claim, or say they never received proof, just like in my previous complaint. I will now move forward and file a complaint with the FTC, and I will look into what other avenues I can pursue. I am trying to sell my home, and buy a new one ... and because my identity was stolen I am STUCK. I need this rectified ASAP. I have done ALL I can do.
Equifax was hacked and my PII as well my financial information may have been stolen.Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
In 2008, I lost my income due to the recession, so I applied at my lender ( Chase Bank ) to modify my loan. More than a   year after I applied and submitted all my documents to the lender, Chase approved my modification loan, and I stayed in my house and paid the new amount on time every month for ( 8 months ). However, soon after they sent a letter that told me that I am not approved for loan modification, which was very suspicious because they approved my loan modification. After four ye ars, during which I discussed my situation with all my friends and did research, I found out the lender tried to scam me. They were trying to get my money for 8 months before they did cancelled my loan modification and short sell my house. I believed that because I am  XXXX  and I did not know much about the law to protect my self, they exploited my lack of knowledge and tried to make as much money as possible at the expense of myself and my family.
I am up to date with my payments and they are trying to sending foreclosures paperwork it got messed up when escrow paid my insurance XXXX now I 'm having trouble they keep asking for more money I do n't no what to do I have all reciepts through my bank I keep calling them at least once a week but they r rude and I get no where. Greentree is my mortgage company
XXXX    XXXX    Experian  continues to report inaccurate negative items on my report that I have previously disput ed 6 ti me.They continuos to report account with no account number. Inaccurate information that is hurting my credit.
i was advised by   XXXX   XXXX   that they (   XXXX   ) directed  SIMONS Agency t o remove all collection attempts by  SIMONS AGENCY   XXXX   XXXX  advised me of this on  XXXX .   
Simons agency has failed to complete removal of these false collection bills on my credit bureaus.
SIMONS fails to cooperate
I had took out a title loan and had to file bankruptcy a few months after taking out the loan and this loan was included in the bankruptcy. I was able to get that dismissed and then I get a letter they had possession of my vehicle and were going to sell it in 5 days. I made an arrangement with XXXX XXXX to pay {$1000.00} by the following Tuesday XXXX. She ended up raising it to {$2000.00} and then {$3000.00} by the deadline saying XXXX XXXX would not allow her to take less. I was able to get the funds to them. They also claimed I was being charged storage fees that they were renting a space to store my vehicle. I paid the balance off a few weeks later and it turns out they owned the lot my vehicle was at behind one of their stores. I am requesting a refund of the difference in the agreement of {$2300.00}. This company is unethical, misleads and are untruthful in dealing or making payment arrangements with the public. If they somehow take possesion of your vehicle they will charge additional " made up '' fees and hold the vehicle hostage to get additional money out of the public.
Opened a business checking account at the XXXX, NJ Chase branch. The account had a promotion of {$500.00} for depositing {$500.00} and keeping the balance for 60 days. I have inquired about the bonus not posting and have been informed that the deposit funds needed to be new to Chase. This was never communicated to me by the branch personal banker who transferred {$1000.00} out of my personal account at Chase into my business acccount to fulfill the promotion requirements and to hold a minimum amount in the account to avoid the $ 20 monthly fee which is waived for the first 2 months anyways.If new money needed to be deposited, then there was no reason to transfer the {$1000.00} on that account opening day. I could have easily changed my direct deposit to go from my personal account to the business account. There was a lack of communication on the banks behalf.