WillisBack/dataset-financial-user-claim huggingface dataset:
The following are the facts of my case and the undisputed reasons I should have received funds for my billing dispute with Bank of the West using my MasterCard Business debit card. I understood Bank of the West has included their terms and conditions for their reasoning for declining my disputes, however per Mastercards  billing dispute rules Im obviously covered and have a right to dispute the presented charges on my business card. I have attached a portion of Bank of the Wests website which clearly states my business card is protected through MasterCards guidelines and benefits. MasterCard states very clearly that I have a right to dispute charges  under the premises credit not received meaning the merchant promised credit however they did not issue such credit. Under Mastercards guidelines Im allowed to dispute charges up to 120 days from all dated material, meaning not from the transaction date and not from Bank of the West disclosures, but from the date I received an email stating the merchant would refund my account. I have attached two emails from XXXX XXXX and XXXX XXXX from Bank of the West clearly showing that they did process business disputes that were past their terms and conditions because these disputes fall under Mastercards guidelines. I have also attached an email dated XX/XX/XXXX from XXXX XXXX of Bank of the West that clearly states that all transactions that were present to her would be processed. Mastercards guidelines also clearly state all material use to dispute my disputes be sent to me, Bank of West has failed to send me this material. 
I have attached a video that references both the CFPB, MasterCard, Fair Credit Act and disputes XXXX XXXX XXXX XXXXXXXX. 
In conclusion, its very clear that it was agreed and stated by XXXX XXXX and XXXX XXXX that all transactions would be processed, the attachment from XXXX XXXX showing that business transactions that were in XXXX and XXXX of XXXX were processed because thats what the agreement was. Its also clear that Bank of the West uses MasterCard for their services so Im absolutely within rights to dispute. Under government rules and MasterCards guidelines Bank of the West still has {$42000.00} in outstanding disputes to process. As of XX/XX/XXXX, Bank of the West arbitrarily closed my account without reason and has caused even more financial harm. 
Sincerely, XXXX XXXX
Hi I had a really bad experience with Synchrony bank. 
I had purchased a Mattress for {$2900.00} on XX/XX/2013. 
The vendor I purchased was XXXX. 

When I purchased the mattress, the sales person mentioned that I can pay the full amount in installments and I agreed to it. 

I asked him what would be my monthly payment so I do n't have to pay any interest.He mentioned that Its about {$31.00}. 
I was fine with that and I purchased the product. 

My checking account was charged about {$31.00} every month as I was told and agreed. 

After three years I noticed that the monthly charges went up to {$120.00}. I was not sure what was going on and I called Synchrony Bank, they said I will have to pay an additional {$2900.00} or so as interest.I was not sure what happened. 
They told me the installment schema was for 36 months and I have to pay interest after that which I was not told by the sales person when I purchased the product. 

I called the vendor, which is XXXX, they told me that the amount of {$31.00} was given by the bank and not decided by them and they can not to any thing to fix it. 

I called the bank and they said only option I have is to pay off the {$2900.00} additional amount they charged me as interest to close the account. 

I mentioned to them that I can pay off remaining of principle amount which is XXXX minus payment I have made so far which will be about $ XXXX.They are not agreeing to it saying that I should be paying the full interest which is double the amount than what I purchased the product for. 

I do n't have any debt and I pay off my bills on time. 
I feel that I was cheated by the bank and the vendor combined by giving me unclear information.I do n't have the amount of {$2900.00} to pay off the interest. 

I had moved few times from the original location I lived before. 
I am not receiving the bank statements. 

I kindly request you to help me with this situation.
XXXX 2016 I called Ditech to make an almost {$2000.00} payment to my escrow account. The XXXX made a mistake and applied it as a payment to the mortgage even though I was 2 months ahead on payments.. I called Ditech in XXXX and brought the problem to their attention and they said they would fix it. They for some reason added {$5200.00} to my mortgage balance and never added my original payment to the escrow account. They have n't been able to explain what happened to the {$2000.00} or where it is. I talked with XXXX ( XXXX manager ) in XXXX and she said that the missing interest would be calculated and added to the balance and the mortgage and escrow accounts corrected. I am still waiting .... I asked XXXX several times where the amount of {$5200.00} came from and she would only say that it was a redistribution and could never explain to me the details of the actual amount of money or why my mortgage balance increased by that amount. I asked XXXX why my balance increased by the amount of {$5200.00} and she kept repeating that it was a redistribution - that does not answer my question. I asked XXXX to mail a letter explaining the redistribution, why the amount of {$5200.00} was added to my balance, and where the {$2000.00} went to ; of course she did not do what she told me she was going to do. 

This problem has been going on since XXXX and Ditech lacks the competence and knowledge to correct their own problem and the only way I find out they are padding their profits and books is by me closely watching my balance. The amount of {$5200.00} plus the almost {$2000.00} needs to be reapplied back into my account, plus interest since XXXX. I also want an written explanation of what caused the problem, what they have done to correct it, why the actual dollar amount ( {$5200.00} ) was added to my balance, where the {$2000.00} escrow payment is, and what are they doing to guarantee this will not occur in the future. 

There should also be fines and fees charged against Ditech. If I owed Ditech over {$7200.00}, plus interest, they would have their lawyers camping at my front door.
it says I have new employer called XXXX. This is totally wrong. Ive been retired for XXXX yrs.
I purchased a dress from XXXX in late XXXX and returned it in XXXX. I reached out to the merchant and was inform on XXXX that Pay Pal had taken the money from her and that I should have been credited. I filed a claim with my bank XXXX XXXX XXXX XXXX XXXX who tried to get the funds from Pay Pal and was denied. The merchant all this time was under the impression that I had my money. I reached out to Pay Pal and told XXXX ( case # with Pay Pal XXXX ) that the merchant had their merchandise and to please refund me, Pay Pal refused. So neither the merchant or myself has the funds..
AFTER I MADE A PAYMENT IN XX/XX/2018, I WAS A MONTH BEHIND. 
I HAD TO UNDERGO XXXX IN EARLY XX/XX/2018, FOR MY XXXX XXXX ; I WAS OUT OF WORK FROM XX/XX/2018 TILL XX/XX/2018 ( FOUR MONTHS ). 
I SPOKE WITH SPS ON XX/XX/18, EXPLAINED WHY I WAS BEHIND, THAT I WAS GOING BACK TO WORK, AND WOULD BE RECEIVING XXXX INSURANCE PAYMENTS, TOTALING FOUR MONTHS PAST DUE, ON/ABOUT XX/XX/2018. I WAS TOLD THAT WAS FINE BY CSR AT SPS. 
I FINALLY RECEIVED XXXX INSURANCE PAYMENTS ON XX/XX/2018, AND DEPOSITED IN MY BANK. I WENT ONLINE TO MAKE PAYMENT XX/XX/2018 TO SPS, AND WAS BLOCKED, CALLED SPS TO FIND OUT WHY AND WAS TOLD MY LOAN WAS IN FORECLOSURE! AND THEY WOULD NO LONGER ACCEPT PAYMENTS. 
I RECEIVED IN THE MAIL THAT DAY, THE FORECLOSURE PAPERWORK FROM THEIR ATTORNEYS. 
THE ONLY REMEDY WAS TO REINSTATE LOAN BY XX/XX/2018, FOR {$6100.00} ; IMMEDIATELY OVER-NIGHTED LOAN MOD/ASSISTANCE PAPERWORK TO SPS AND THEIR ATTORNEYS REQUESTING REPAYMENT PLAN ESTABLISHED ON XX/XX/18 PHONE CALL BE HONORED.
In XX/XX/2017 I XXXX XXXX along with XXXX XXXX applied for a loan with DHI mortgage. The loan officer is XXXX XXXX XXXX. XXXX XXXX called me and advised he would be able to give me a preapproval and that I may begin my search for a home. XXXX XXXX sent me over my preapproval letter via email in the amount of {$250000.00}. He advised XXXX had some nice homes. I advised him that I much rather XXXX XXXX. At that point he was a little dry and asked why. I advised because of the reputation and the reviews. He than began and seemed to be a little dry as if he did not want o deal with me.He kept saying his preferred builder was XXXX. Never the less he advised to me that I may begin to look for a home and go under contract if I see one I like. So I did go under contract with XXXX. I called XXXX and meet with him about 1 week to a week and half before XXXX. He advised give me some time to look at your file and I will then begin to send it to processing in the mean time he sent me over docs showing what my payments would be. So I waited until after XXXX I called him and he advised I see your husband has a judgment I advised he did not that his ex wife forged his signature on a rental home and she is being investigated he advised give me some time to come up with a solution and advised he would call me in two or three days. Well two weeks went by I emailed him, I called him I left messages and he completely ignored me.So around XX/XX/XXXX he called and advised that he needs to see how he can work on this file and not been incomplaint in removing my husband name. It appears like he did not want anything to do with the loan I believe and he made me feel it was because I di not choose XXXX as the builder. This is very unfair and very wrong. So on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I tried contacting him again and still no answer.So I contacted the Corporate office via email and heard back in 24 hours from XXXX at the Corporate office she called me from XXXX contact number. She apologized and said XXXX XXXX has no excuse for ignoring my calls and not responding. She advised he does not know how to handle my file with the bankruptcy and it just being a difficult file. So my question to her could he not have asked for help on this case. He had not even sent it to processing and or to the underwriting for review. HE has completed ignore me and left this file ant the bottom of his desk. So I ask this question to XXXX and she agreed it was not handled correctly at all. I believe this was unfair treatment due to the fact I did not go with his builder of choice. I am now working with another lender and looking at another home. This has been very stressful and I will be looking for an attorney to handle this as well for all the mental anguish this has done to me. As of today he has not even attempted to follow up with me. Below I have copied and paste XXXX XXXX contact information if you.should need. 
XXXX XXXX NMLS : XXXX XXXX XXXX XXXX. ( XXXX ) XXXX Cell. ( XXXX ) XXXX Fx. ( XXXX ) XXXX XXXX dhimortgage.com
I do not owe any GA state tax liens, this is inaccurate information listed please help
Escrow closed and paid off the existing mortgage using a current demand fro m Shellpoint Mortgage Servicing. Check  was sent via overnight delivery and confirmed received  by Shellpoint on   XXXX   XXXX ,   XXXX  . Escrow contacted Shellpoint on  XXXX / XXXX /  XXXX   to confirm account is satisfied and were told the payoff was short and they had no record of the demand that was provided to escrow h older. Shellpoint i s refusing to accept that this loan is paid in full and since the property is in foreclosure ( with a sale date of  XXXX / XXXX /  XXXX   ) will cause severe harm to current owners of the property secured by this mortgage if they do not accept the payoff sent to them in good faith according to their current demand for payoff.
I deposited a personal check into my checking account on XXXX XX/XX/2016. The check cleared the bank it was drawn on the next day, XXXX XX/XX/2016. XXXX I called my bank branch and inquired as to why the funds have not been released to my account and was told there was a hold on it and it would not be available until XXXX XX/XX/2016. When I questioned why I was told that I had an overdraft in XXXX and that is why. I have since got my statement from another business and they are scheduled to withdraw funds from my account. This will cause me an overdraft. The funds should be there as soon as that check cleared. Why should I have to pay a overdraft fee? They want to hold funds siting an overdraft from the month prior and cause me to have another possible overdraft??? Where does that make sense? The money is mine and should be in my account. The bank is Key Bank and the location is XXXX, PA
On XXXX/XXXX/2015 I made a deposit of {$100.00} into BB & T bank. Which at that time brought my account to a total of {$95.00}. Also on that same date there was a charge of {$28.00} and {$36.00} ( Over Draft Fee ). The reason for the fee according to BB & T is that they had to separate {$100.00} from my account to pay for a ATM with draw that did not happen till XXXX/XXXX/2015. By doing this they Over Drafted my account. And because of this, it caused a Dominions affect on my account where I have charged a total of {$320.00} in NFS fees.
Continued follow up to get the gross incompetent Bank of the West to delete their inaccurate and illegal credit reporting for a loan ( # XXXX ) that I paid off in XX/XX/XXXX ( SEE DOCS ) that they decided to start reporting to all three bureaus as a XXXX balance loan but has lates in XX/XX/XXXX and XX/XX/XXXXover three years after the loan was paid off.
I made my XXXX mortgage payment early in XXXX. The mortgage company 's website said my next payment was due in XXXX and showed the next automatic debit scheduled for XXXX XXXX. 
On XXXX XXXX the mortgage company debited my account. I called Customer Service on XXXX XXXX in the afternoon and requested a refund -- I then emailed Customer Service requesting the refund with a screen print of my bank account showing their debit. I was told that a refund would take XXXX business days. 
On XXXX XXXX ( 2 weeks later ) I called Customer Service again. No action had been taken regarding my refund! Customer Service said they would speak to management and expedite the refund. 
On XXXX XXXX ( 1 week later ) I called Customer Service again. They said a paper check had been put in the mail on XXXX XXXX, and I should expect it within 5-7 business days. 
My Problems : 1 ) The website is not accurate and customer service is not aware of it. 
2 ) Customer Service was unresponsive for 2 weeks on the refund. 
3 ) Zero communication from the mortgage company about the refund. 
4 ) Refund is not in-kind -- they took my money by direct debit, but then refund by check which will take 5-7 business days to arrive and then multiple days to clear my bank account. Meanwhile my next payment is due in 4 business days.
I started receiving statements from the Department of Education about my student loans. Later I received a notice for another company, that call themselves Nelnet ; stating that I have students loans with them. I had pulled my credit report and they both were on it. The Department of Education show as transferred accounts. Nelnet shows balances that I owe them. Nelnet show as I missed payments. I always call to get a forbearance because I do n't have a job to repay the loans. So, what I 'm asking of you is to help me get the missing payments off my credit files and place them as current. Also get the Department of Education off my files. I was not aware of a transfer until I seen my credit reports. I ca n't afford to pay the loan back. I do n't have a job but I 'm looking.
Fraudulent activity was the only account which they closed it and sold it within 30 days I have never been late when I was aware of the situation I paid it in full credit report is reading failed to pay still two years later which is completely wrong credit once if theyre not reporting this I sent them another letter the other day I have sent him several and they said it would be removed they sold the debt debt collector shows it painful I do not have all the information about the fraudulent activity as XXXX XXXX does
I went to Annualcreditreport.com and requested my credit report from Equifax and got a respose that required me to submit my Drivers License, Social Security Card a Utility Bill and the request. I did that and got a response of you have already received your annual report, which I have n't, and have n't been able to get for 2 years now. When they mailed the response to me my middle initial is also incorrect. Also you ca n't contact them directly and without a report number you ca n't contact them online either.
After I asked if I could make a smaller payment day of call and set up automatic payments each month the person on the phone said no they wo n't accept it and that they can serve my husband with a lawsuit even though he 's not on the debt because we live in California they are allowed to do that and also place a lien on my house even if the house is in my husbands name. The person said if I do n't pay the full amount that they will have to choose to take that action and sue my husband for the debt. I was told repeatedly they will do that and are able to because of the state I live in.
I got approved for a modification by my mortgage servicer caliberhomeloans my loan holder XXXX XXXX XXXX i made all my payments never missed a payment from XX/XX/2018 through XX/XX/2018 in XXXX caliberhomeloans notified me they where transferring my mortgage payment over to XXXX XXXX ... XXXX XXXX was to take over my payments XX/XX/2018 caliberhomeloans told me to make the XXXX payment to caliberhomeloans and they would transfer the payment to XXXX XXXX ... .now its XXXX and caliberhomeloans will not transfer the payment and XXXX   XXXX is starting i am behind in escrow and they have to raise my payments ... XXXX XXXX has been holding all my payments in a suspend account not applying my payments. I told XXXX XXXX i made XXXX payment to caliberhomeloans and XXXX XXXX said they would get the money from caliberhomeloans but its XXXX and XXXX XXXX has not solve the problem and stating my payment will go on top of my monthly payment i paid XXXX  XXXX estra dollars to try to solve the problem but XXXX XXXX did not apply theXXXX dollars to my escrow i want to know why caliberhomeloans did not transfer my XXXX mortgage payment and why XXXX XXXX is holding my payments in a suspense account ... ... also i have received caliberhomeloans and XXXX XXXX documents with the same address and same po.box number something is wrong here..can someone please help solve this problem
On XXXX XXXX, 2015 I sent {$100.00} to XXXX XXXX in XXXX for the purpose of buying food.. The XXXX # was XXXX XXXX XXXX. When XXXX went to pick up the {$100.00} he was told that number was not available. I called Western Union and was told that the transaction was cancelled due to a business decision. I Received a refund and attempted to resend the {$100.00} XXXX XXXX XXXX XXXX XXXX ). When I called Western Union to check on this transaction, I was told that I had been placed on a no send/receive list. When I asked for an explanation, I was told it was a business decision with no further explanation. 

I believe that If I have done nothing illegal, I am due an explanation and a means to have my name expunged from this list. I am requesting the assistance of the CFPB in either resolving my complaint with Western Union and be provided an explanation as to why I was placed on this no send/receive list. I would also expect a means to be taken off of said list. 

Your assistance is greatly appreciated
I am submitting a complaint about my student loan .I have received letters informing me that XXXX is reporting to the credit Bureaus that I am 90-120 day late payment mark for XX/XX/XXXX and XX/XX/XXXX. In which is incorrect. XXXX send me a letter showing I was covered under deferment from XX/XX/XXXX to XX/XX/XXXX so on all my 3 credit bureaus it should not reflect as late payment I am asking for removal of late payment on my credit.The information that they responded to me is unlawful practices that the company displays and 90-120 day late fees should be removed from All my 3 credit bureaus, My credit score is suffering immediately because of the mistakes and this issue should be resolved expeditiously. I am attaching letter showing I was good for those 2 months. Also include pictures of the loans their are stating was late.
I applied for a mortgage from Capital One. In early discussions I told the consultant that I was in the process of deciding if I should buy a house now and take a new position within the same company later in 2016 and wanted to know what I could qualify for at this time. I completed the loan application and was told by the consultant that she would not complete the application until after I had applied for, been offered and accepted the new position and had been in the position for 2 years. I did not receive an appropriate declination letter and I do not believe that I would have been declined with my income and my credit score. the consultant decided on her own that it would be better for me to apply when I had XXXX a year income rather than XXXX a year income. that way I could buy a larger house, take a larger loan and increase her commission on the sale.