WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is that Suntrust bank has been processing my transactions in order from highest to lowest, rather than real-time. I further find them responsible for the following. 
a. Does not obtain affirmative consent from its customers prior to processing transactions that will result in overdraft fees ; b. Does not alert its customers that a debit card transaction will trigger an overdraft fee, and does not provide its customers with an opportunity to cancel such transactions ; c. Manipulates and reorders. Transactions so that it can increase the number of overdraft fees it imposes ; XXXX Manipulates and reorders debits from highest to lowest in order to maximize the number of overdrafts and, consequently, the amount of overdraft fees ; e. Imposes overdrafts and overdraft fees '' when, but for reordering transactions, there would otherwise be sufficient funds in the account ; XXXX Fails to provide customers with accurate balance information ; g. Delays posting of transactions by customers using debit cards so that customers are charged overdraft fees on transactions, even though the customers had sufficient funds in their accounts to cover the transactions upon execution ; h. Charges exorbitant overdraft fees that bear no relationship to the actual costs and risks of covering insufficient funds transactions ; In lieu of the above on XX/XX/XXXX I contacted the bank for the overdraft fees against my account. Prior to this I received notice that no fees would be charged if I made a deposit by XXXX XXXX, XXXX : which I did for {$30.00} on XX/XX/XXXX to make my account in the black. 
XX/XX/XXXX Transaction Total Transaction : {$1100.00} Total Deposits : {$1100.00} My Actual Balance : {$3.00} Bank Balance : ( {$140.00} ) Bank Overdraft fees : {$100.00} A message was sent on XX/XX/XXXX based on this fact and that the overdraft was caused by in accurate information via my cell phone with amount available which caused my overdraft with details.
On XXXX XXXX, 2017, While checking my bank statements, I noticed 2 charges on my account that neither my husband or I did not make. I immediately called Regions Bank to notify that my account had charges we did not make and asked that they be denied or to stop payment as transactions were pending. I was told they cant do anything until the charges clear. I said I did not make them but still was told nothing they would do until cleared, it could take up to 10 days. The charges were international and I stressed I did n't make them but nothing would be done until they cleared, So they paid out {$730.00}. XXXX from my account charged me international fees and overdraft fees then denied my claim saying that they were verified charges. If I had any further questions to contact the merchant. How? I asked I ddnt know the companies the charges were made from and internationally? Didnt that raise a red flag with the bank? I have never ever used the cards out of the country, I have not been out of the country. Sorry they said transactions were verified. I dont know how. What else can I do?
I make all of my payments on time and even sometimes make some extra payments on my student loans. However, Navient makes repeated errors in crediting my payments and the only way for me to get them resolved is I have to call and spend 20-30 minutes on the phone whilst they correct the mistake. The errors are always by their representatives, often just typing wrong numbers in but the company does nothing to correct them unless I call to complain ( and wait on the phone ). Last year, they made so many mistakes I demanded compensation and after first telling me that the Dept. of the Education does not allow it, I forced them to escalate until they determined that they were allowed to credit me with {$25.00} but even that they struggled to do correctly. If this sounds generous please realize that I spent about XXXX hrs on the phone to get to the point of getting compensation but I was determined to try and get some level of accountability out of the company. All was fine for a few months but now they have just taken a payment, failed to credit it to my loans and I have spent 30 minutes on the phone whilst they correct it. I had even received a confirmation email of the payment but the employee had apparently left one number off the record and so the money was put in some Navient holding account which they do not look at unless a customer calls up to complain. Eventually I was told they would have reversed the payment but meanwhile they would be making interest on the funds. I see no reason why they would not automatically look at funds entering the account and see what the problem is. My case would have been simple to solve without even contacting me and this is what any reputable company would do. Additionally, any ethical company would compensate customers when a company representative makes errors which cause the customer to have to waste time on the phone whilst they correct them. Perhaps a 12 month rolling schedule where first mistake is {$25.00}, next one {$50.00} and so on because I really do not get the impression that Navient is interested in being accurate so financial penalties might get their attention and would at least compensate customers for the inconvenience. 
Lastly, why will Navient not accept a credit card payment online for the regular monthly amount but will over the phone? Makes no sense and if they did it would help reduce their error rate. They also do not accept extra payments online even if you use a bank account ( seems like they do not want to encourage people to pay off loans early ) and so force you to call them to do so. 
This company has not changed any of his practices in the last 2 years and the problems and wait times are only getting worse. Please hold them accountable and make them address these problems.
XXXX applied a balance to me that was in someone elses name and personal information. The person was a roommate, who is not related to me, XXXX years youger than me and who provided their social security number, dob and address and used the internet service. I told them this was not my debt but they have placed it under my name with several collection agencies.
I pulled my report from a monitoring service so that I can start the process of getting a vehicle loan for my trucking business and I have several Federal Government Loans on my report that are n't mines at all. I am filing this initial complaint being from several hours researching I came across your website information about consumer financial protection bureau. There are 6 accounts that show several 120 late payments from these accounts that I do n't have and not aware of and I am demanding that all accounts be deleted & removed permanently from all 3 credit bureaus - XXXX, XXXX XXXX , & Equifax based by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970.
I'm receiving repeated calls from this collection agency on my work and cell phone the calls started lasted month but, on today I received a total of four calls back to back.
XXXX XXXX XXXX Acct # XXXX. This debt has been disputed previously. Fox collections has since re-aged the debt by applying a payment to the account. I have never made a payment to this account either through Fox, or the client. Fox says I made a payment through their client XXXX XXXX XXXX last month for {$50.00} ... This is impossible since the practice has been closed for a few years now, the new practice is not collecting or servicing XXXX XXXX 's debts and XXXX XXXX is deceased and I am disputing this debt. I called and explained to Fox collections that I was making payments to XXXX XXXX and that they accidentally sent this to Fox for collections. Fox created XXXX new accounts for XXXX XXXX : XXXX with acct # XXXX and XXXX with their parent company info for # XXXX each for the same amount of {$190.00} balance. XXXX associates pulled these XXXX erroneous collections back due to their mistake and I received a letter from Fox stating they would be removed and XXXX XXXX was. Now the XXXX XXXX XXXX account # XXXX is showing a payment.I have not completed my validation of this debt and have never made a payment on it. Fox refuses to correct this issue and to contact XXXX associates to verify. I believe that Fox is attempting to re-age an old collection, which is illegal reporting.
I cosigned for some of my daughter 's loans. She is having financial difficulties and asked all her loan servicers for a forbearance all of them except Wells Fargo granted the forbearance. Wells Fargo did not acknowledge the request. I myself requested the forbearance, but again we never got a decision, they just kept hounding me. I do n't even have a job right now, and they have absolutly destroyed my once excellent credit. On 2 occasions they just took the money straight out of her wells Fargo checking account. Bad choice to choose wells Fargo for her student loan.
Navient created obstacles to the repayment of my loans by providing bad and misleading information. They also processed some of my payments incorrectly saying I failed to pay back loans when in fact I had. Another problem was they made it impossible to lower my payments. Always giving me a hard time about it.
I already filed a complaint with cfpb. I recently refinanced my home mortgage with loan depot.com llc. After I signed the closing disclosure the monthly payment and closing fees increased. Loan depot explained to cfpb the reason for the increase was due to their miscalculation of the school taxes and homeowners insurance. CFPB closed my complaint. My loan depot loan officer said I should be receiving a refund from my insurance, XXXX because loan depot and my former bank both made payments. 
I contacted XXXX, and they never received a payment from Loan depot. 
Loan Depot increased my mortgage payment, closing fees, gave me less cash than promised after closing because of the homeowner 's insurance escrow increase and school properties ... THEY NEVER PAY MY OWNER 'S INSURANCE. I lowered the escrow amount in my homeowner 's insurance, and sent a copy of my most recent declaration page of the insurance to loan depot. I asked them to adjust the mortgage monthly payment because of the new change in the insurance policy. No one has responded to my concerns nor have made any efforts to solve the problem. I 've attached a copy of my new homeowner 's insurance with this complaint.
This Complaint is made against XXXX XXXX and XXXX Bank Of America. 
1. I make a consumer complaint with the Illinois XXXX XXXX XXXX against XXXX XXXX XXXX and Bank Of America for engaging in violation of the Illinois Consumer Fraud & Deceptive Act. 
2. XXXX XXXX in retaliation had XXXX XXXX 's Bank of America accounts closed and XXXX 's XXXX Credit Card account XXXX XXXX XXXX XXXX which was in good standing and paided on time as agreed, I was never late paying on a credit card payment the entire time the Credit Card was issued. 
I also was advised that My checking account will be closed by Bank of America before XXXX XXXX, 2016. 
XXXX XXXX XXXX and Bank of America has engaged in retaliation for making a complaint with the Illinois XXXX office as a XXXX Senior Citizen, by closing out my Checking and Credit Card accounts.
A relative purchased a gift card for my birthday. Unfortunately, I lost this gift card. I was able to obtain the gift card receipt ( Proof of Purchase ). The gift card was purchased at XXXX grocery store in XXXX, VA. I contacted American Express and faxed over the documents in XX/XX/2018. I received a letter from American Express stating that they could not process the gift card and/or issue a new gift card. American Express has made the entire process arduous. I filed numerous complaints with the Better Business Bureau. Please reference Complaint ID : XXXX. I am requesting the assistance from the Consumer Financial Protection Bureau in efforts to obtain replacement card.
I transferred a credit balance from an American Express business card to an American Express personal card. Unfortunately, since the credit balance exceeded the balance on the personal card, American Express unilaterally decided to issue a check for the difference of {$86.00}. This check was first issued on XX/XX/2016 but never arrived. I contacted American Express and XX/XX/2016 the check was resent, however this check too has not arrived. I contacted American Express on XX/XX/XXXX to check on the status of the check, and they again reissued it without asking my permission. This means that if the XX/XX/XXXX check arrives, it will be voided, and I will not be able to cash it. However, after 18 days, it is unlikely that it will arrive. American Express has also stated that they have sent email messages, however I have not received those either. The likelihood that both American Express ' XXXX mailed checks and emails all were undeliverable is very low. Therefore, I believe that American Express is not doing as it says, whether due to system difficulty or negligence.
I was offered a mortgage reinstatement opportunity with J.P. Morgan Chase. I fulfilled the reinstatement requirements within their required time frame. I faxed copies of the wire transfer confirmation to 2 different Chase numbers per there direction, for normal business practices and escalation purposes. My bank has recorded the wire transaction as complete on XX/XX/XXXX. I have emailed the wire transfer confirmation on XX/XX/XXXX to the attorneys representing J.P. Morgan Chase XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Michigan XXXX, obtaining a confirmation of receipt, and a corresponding followup from the attorneys stating they are waiting on their clients response to hold off the court sale.Chase says they need 5 to 7 days to process the reinstatement. The sale date is tomorrow, XX/XX/XXXX. The reinstatement execution is good through close of business XX/XX/XXXX. Why would they schedule a sale date less than 7 days out from the agreement date if they need processing time. I have met their offer of reinstatement within the time frame, they seem to be badging me and threatening a sale beyond what the reinstatement offer. I find their practices immoral and very unhealthy, and am looking into the legality of them.
Lenders charge caused bank charges and overdraft ... after I ran into difficulty making my full payment due to my Daughter being ill..Every two weeks when I got payed I called and made arrangements to pay down balance on loan..which I have been doing since XXXX ... but at the middle of the week before my pay day..an unauthorized draft was sent to my bank ...
I attempted to get a home equity loan and the following information prevented that. XXXX XXXX   XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. There are Five ( 5 ) accounts listed on their report, all medical bills. I advised that I did not use hospitals or doctors. I requested XXXX, under Section 609 ( a ) ( 1 ) ( A ), physical verification of the original signed certified contract between myself and the and the companies. I did not receive verification, only a letter stating that I know that it is me. Several of the accounts had the exact same amount for services. They continue to add new accounts without verifying that is me.
Have been disputing these items for over 6 months and still no recourse of VALIDATION of their accuracy. 

XXXX XXXX Please take off the late things from this account because I believe I made my payment that month. 

XXXX XXXX XXXX OF XXXX XXXX I am disputing the financial obligation because there is no contract. It violates the FCRA, so please remove this collection immediately. 

XXXX XXXX XXXX OF XXXX XXXX This item is in dispute because I believe the date of opening and date of last activity is not a 100 % accurate. Please remove this collection immediately for it 's inaccuracies. 

XXXX XXXX XXXX OF XXXX XXXX Please investigate this collections status, I do n't think it 's accurate. Please remove this collection for it 's inaccuracies. 

XXXX XXXX XXXX OF XXXX XXXX This item is in dispute because I believe the account number, name, and type for this collection are reporting incorrectly. Please delete this collection for it 's errors. 

XXXX XXXX XXXX Please take a look at this collections account number and balance because it seems off. I do n't think it 's 100 % accurate. Remove it from my credit report immediately please. 

XXXX XXXX Please perform an investigation on collection including the account name, account number and type of collection and delete this collection for it 's errors. Because it does not match my records. 

XXXX XXXX XXXX Under the FCRA XXXX I request a full investigation on the responsibility and the amount of this collection. Please remove this collection for FCRA violations because I do not believe it is accurate.
XXXX   Transunion   XXXX  continues to report inaccurate negative items on my report that I have previously dispu ted 6 ti me.They continuos to report account with no account number. Inaccurate information that is hurting my credit.
I 'd filed a previous complaint about Best Buy. Was told if I opened acct to buy XXXX XXXX, it would only be {$25.00}. Several months ago they began dumping interest and fees, {$1900.00} bal ( limit {$2000.00} ) they took to over {$2500.00} in just few months almost {$100.00} mo payment. TV per their site isnow worth {$250.00}. Each month they told me diff story ; sent me an agreement, told had 30 days to appeal. Asked them to explain and if it would put $ XXXXmonth back. They said I had to wait to see XXXX bill, but that would be after 30 days! My XXXX Bill just came in and it 's still almost {$100.00}, balance {$2700.00}. I told them heavy medical bills, ca n't pay {$100.00}, only {$25.00} as i was promised. Keep telling me diff stories as they pile up fees and interest. Wife borrowed $ to pay XXXX in full, thinking in XXXX we 'd be back to {$25.00}. Best Buy will not take any responsibility for scamming us, and will not work with us. I offered to give tv back said no. I asked that restart the balance to around {$1900.00}, XXXX which is still outrageous for this tv and a few other sm items in the trash ), but was willing to settle for that if they reset monthly payments to {$25.00}, which is what we were promised it would be. My wife is partially XXXX, we are both senior citizens. Can you give us contact information for someone who CAN help us? We of course ca n't afford a lawyer. My wife went to doctor and XXXX XXXX way up because of Best Buy. Please help. Thank you very much. We feel we 've been scammed and worst, now they might ruin our credit, and maybe insurance and other bills will skyrocket. That will be completely destructive for us. My former complaint # # XXXX.
DISCRIMINATION ON THE BASIS OF MY XXXX. THEY ARE ALSO REFUSING TO GIVE ME EQUAL SERVICE TO ME ON THE BASIS OF MY XXXX. I DO NOT KNOW WHAT IS WRONG WITH THE XXXX PEOPLE AT THIS CREDIT UNION. THEY ARE XXXX AND XXXX. IM NOT RECEIVING EQUAL SERVICE ARE EQUAL PROTECTION. I CAN NOT RECEIVE ANY HELP OVER THE PHONE AND WAS BANNED. THEY AFTER FIVE YEARS HAVE A SECURITY NOTICE ABOUT MY SOFT VOICE CALLING ME XXXX. BUT COULD NOT DO THIS PRIOR AND LOCKED MY ACCOUNT SEVERALTIMES. I WAS STRANDED ON VACATION AND ALL MY CREDIT CARDS AND CHECKING WERE FROZEN.THEY CAN DO THIS BUT NOT
I was involved in your inquiry issue and they were placed on my credit. I called customer service and they would not take care of the issue. 
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
We applied for a pre-approval through this lender in XXXX of this year, after credit review, we were issued a pre-approval letter and we 're told that we would then have to find a home and once the purchase agreement was signed, we can move on to the next step. Also, we were told as long as we paid a collection, XXXX credit cards, and a judgement, and it was all done before closing we would be just fine. We finally found a house and signed the agreement in XXXX. I had then gotten an alert that my credit was pulled again. When asked, the lender said the initial pull was just a soft pull and that we were 1 day too late to do a trimwrgr, therefore he had to pull our credit again. For some unknown reason, our credit scores had dropped significantly. He then had to choose a different lender than he had chosen previously. Now comes the day to go in and sign papers. The purchase price of the home was $ XXXX and we were told that we needed to add an additional $ XXXX to cover fees and costs. We did n't really know what that was all about, but we 're told to trust him and he would explain. During application signing we were told that the additional funds were to pay for 1 year HOI and property taxes, etc so we signed and then came another paper. On top of the $ XXXX they had added an additional $ XXXX, which was their cost to do the loan, this was not disclosed to us prior to signing. Asking around, we had people telling us to negotiate that, b/c it seemed like a very high fee. Now that papers had been signed we were ready to move forward. Everything was getting paid and proof was being sent. We were told the underwriter needed to not only need proffered of payment for the judgement, but also needed it pulled from our report. Which brings the XXXX inquiry on our credit. Once that was completed he was informed by the lender that it was not pulled off of all XXXX bureaus, so we had to fix that and we should be good to go. Which brings on a XXXX inquiry. After that was completed we received an approval and a move forward on ordering the appraisal. We submitted the payment, which was taken out twice, and the next day we received an email from our broker stating the loan has now been turned down due to the fact that the judgement was not paid for over a year. This has now turned our entire world upside down. This has not only affected our credit, but has also negatively impacted our family. We did n't sign a new lease with our current home, knowing we were moving, and also switched our sons school b/c we were moving into that district, being told the entire time we were to trust this person and we were going to be moving into our home in the next 30-45 days. Our scores have dropped over XXXX pts and have contacted several banks to help us, to now only be told there is nothing we can do.