WillisBack/dataset-financial-user-claim huggingface dataset:
My experience with Suntrust banking in the last month has been a nightmare. I am a family doctor who has wasted maybe 10 hours of my time that could be used much more productively to counteract borderline criminal business practices of XXXX   banking. I've had Suntrust for XXXX years for a mortgage. To get a better rate I had to open up a checking account with suntrust. At the new year my mortgage was increased by XXXX dollars. Unfortunately I didn't update my automatic withdrawal setting to reflect the XXXX dollar increase so instead of notifying me they charged me a XXXX dollar fee and a week later charged me another fee. I was not notified until I got a letter in the mail weeks later and that day I resolved it and had to go to the branch and talk to dozens of people to get it resolved on just a XXXX dollar over draft that would have costed me XXXX and potentially more. Potentially more because once I settled the XXXX dollar fee. mortgage has yet to communicate with checking so checking still thinks my account is overdrawn. So I have to waste time out of my day to make sure they communicate with each other. Their strategy in business is to exhaust the customer by separating each division where one division can not contact the other division. Whenever I call banking it's mortgages issues and vice-e-versa. Today it was when i called banking it was an online banking issue. Next issues is today I noticed ANOTHER TWO SEPARATE XXXX dollar fees. Checking is saying that I did not have enough money to cover the mortgage so there is a return fee. The mortgage takes the fee of the XX/XX/XXXXof each month. I set up automatic payments for the XX/XX/XXXX of the month. It says the transaction processed. My other bank sent the funds on the XXXX. For some reason suntrust did not process until the XX/XX/XXXX. So I now get charged XXXX fee 's on the XX/XX/XXXX and the XX/XX/XXXX for them not processing in time. I spent an hour talking to them but they said they can't refund the fee because they did it last month. Just so you know a little about me. I am a XXXX  with a credit of over XXXX. I take pride in paying my debts but will not accept extortion. 

I have some screen shots of the incident to better explain the situation : Including the scheduled automatic payments that was processed on the XX/XX/XXXX, my statement from my other bank saying the funds were taken from my account on the first of XX/XX/XXXX, and my checking statement of back to back fees without notifying me until the second fee. This is simply unethical and not right of suntrust. They should refund my money and investigated for further unfair fees to other customer. 

Thank you for your time.
The XXXX XXXX XXXX account XXXX has been paid in full and it is still being reported as not being paid.
The complaint deals with XXXX XXXX XXXX, a company who claimed they were the Department of Education when I called for student debt relief. <P/>I went on XXXX to search Great Lakes Customer Service to see if I could get relief for my loans in XXXX since I was unable to afford payments. The number of XXXX XXXX XXXX was listed first and listed under Great Lakes Customer Service. Originally was told XXXX was the Department of Education Was told in XX/XX/XXXX I would not need to pay any money and be on income based repayment Received consolidation form ( apparently I need to consolidate before going to income based repayment ) Two payments of XXXX and another payment of XXXX was pulled from my XXXX XXXX XXXX checking account. XX/XX/XXXX got an email from Great Lakes saying I owed the full amount for loans XX/XX/XXXX, applied for Income Based Repayment myself Attempted to reach XXXX for weeks - no answer XX/XX/XXXX Attempted to email XXXX XXXX XXXX and was refused, they were not accepting any emails to that inbox Submitted a complaint on their site, and finally got a phone call Finally got someone on the phone Said they consolidated The only way to get income-based is to consolidate They told me that in XXXX, the amount I owed Great Lakes was only interest XX/XX/XXXX Spoke to XXXX from Great Lakes No consolidation is needed to qualify for Income Based Repayment Full amount owed - not interest Spoke to XXXX from Great Lakes Consolidation was part of Income Based Repayment, though unnecessary. Great Lakes received Income Base Repayment form in XXXX filled out consolidation and income I filled out in XXXX XXXX XXXX XXXX XXXX XXXX ( where the money was taken from ) Disputed the charges since it was difficult to get ahold of them and what I paid for was n't done. <P/>XX/XX/XXXX Called XXXX for follow up XX/XX/XXXX Received call from XXXX, reason of complaint was never filed Unsure if file made it to supervisor Said if I filed charge through the bank, there was nothing they could do Told me I should be thankful for their help. ( " You did n't go into debt because of our program, you went into debt because you took out a loan for XXXX XXXX XXXX dollars ) Was unwilling to listen to my arguments, interupted every time I tried to explain my problem.
My SSN Is About 8 Months Old and They Show Some Credit Card Of Chase On My Credit File. From Like 2013. Actually At That Time I Was Not In The United States.
In XXXX XXXX, I moved XXXX continued to find employment and made minimal payments, but got to a point on no money and called XXXX to notify of hardship. I called every month and they ensured I was fine, and I was sent to collections. After a few months, I got a temp job and was working with a XXXX credit attorney and made monthly payments, after a year I was unemployed, called to notify Attorney, and was told to call next month, I did this for 5 months, then the person I was working with left the company, got a new representative, they never called me back, called the office and left messages and later found out the office closed. I called XXXX recovery dept, they said I had to wait to hear from new credit attorney and that XXXX could not help me. During this time I have moved, and assume the the XXXX attorney XXXX update my information to XXXX. No one sent me a letter of called my phone, XXXX XXXX I moved XXXX and XXXX XXXX I get a bank Levy. My bank gives me the contact information to a XXXX court representative and I was told to speak with the Credit attorney about the Levy, I call XXXX and XXXX of XXXX XXXX, and speak with XXXX. She asks me why I never responded to the letters, and I said I never received letters and that I moved, she got my current address XXXX and realized I was out of state and said she had to close the file and the Levy will be released. I asked her who I can speak with to get this debt paid, and set up for a payment plan, she said she did n't know and that I will have to wait to be contacted again. I wait for the XXXX to be reversed, but it does n't happed. I was told by his office worker organ that, XXXX XXXX of XXXX court says that it should n't matter that I am out of state and that I need to speak with XXXX and XXXX again. I call them and they say my file is closed and they are waiting to hear from XXXX, I have updated all my information with everyone so that I can make sure someone will call. I tell them they levied my husbands ' unemployment, XXXX tells them to take the money and it will be used as a payment towards my debt, and I feel they did n't give me a chance especially since they had an address that I lived at 4.5 years ago. I was n't trying to hide from my Debt, because I am currently paying off my student loan, and now have a steady job to set up a payment plan. I felt I was forced to just allow that money to be taken when I was trying to get the situation resolved. XXXX wont even speak to me and keeps telling to speak to their credit attorney and I have to wait to speak to someone. XXXX and XXXX said the Levy will be reversed because I was out of XXXX, and The XXXX court XXXX XXXX, did not listen to them to reverse it and told XXXX and XXXX, that me living out of state should be an issue. I was speaking with each party and even updated my information with each party to ensure they had my correct information. I hope you can help me.
Rushmore Loan Management Services bought our mortgage from XXXX XXXX. They added a fraudulent " fee '' onto our XX/XX/XXXX mortgage payment even though we have never been late and we overpay. We paid the fee so that we would not have a bad mark on our credit, but we called right away to have them take it off, because they had assured us over and over they would charge NO FEES during the first 60 days after they had bought out our loan from XXXX XXXX. We only paid it to make sure we had no amount on our bill " past due. '' We called several times, and they kept lying and saying the charges came from XXXX XXXX, and then from our XXXX XXXX XXXX accounts. Those were lies. We had to do the legwork and contact both banks, who told us Rushmore 's claim was ridiculous. They would charge us themselves if we had a fee. FINALLY we spoke to a supervisor at XXXX who admitted the fee was a mistake HE had added and SAID it would be taken off. When our XXXX bill arrived this week, the fee was NOT credited back to our account!!! PLUS a new {$25.00} fee was added to the XXXX bill with NO explanation or reason!! I believe someone is fraudulently charging us and collecting the money on the side. When we called, the automatic recording that states how much we owe gave us a total withOUT the fee even though it appears on our statement! And where is our credit for the fee we already paid that we should not have owed?
In XXXX of this year I tried to close a BofA checking account I had while in Texas. Before I could transfer all of some auto payments to new bank the BofA checking account went negative. I tried to transfer money from new bank to old to cover shortfall and close the account. The new bank had not released funds yet and the transfer XXXX {$100.00} XXXX was reversed. I have been trying to transfer money into the account to close it. But when logging online they say the account is locked. ( see attachment ). I have talked, in chat and phone, endlessly with support people who say that it is not locked. ( see attached. ) I have been going over this with this bank for XXXX months.
I was coerced into applying for a credit card with a larger balance at a Chase bank location, advising because I had a great credit score and debt to income ratio with little to no credit card debt, I would be approved. After waiting for several days, I called in and was told I was denied due to too many accounts opened in the last year. When I asked for more detail as that is counter to what I was advised, they refused. I then asked if I was getting a hard hit on my credit report for their mistake/mis-communication, she said yes. I was lied to and am now dealing with the repercussions.
I have been a Discover card member since XX/XX/2010. Today, I learned that each month, I have been getting charged for something called " Discover Payment Protection ''. This charges my card based on my current balance, and is currently averaging about {$60.00} per month. Over the past 8 years, these charges equal thousands of dollars. 

I was NOT aware of this " service '', and however I was signed up for it, it was not to my knowledge or with my explicit consent. The " service '' was never transparently presented to me, and Discover is unable to provide the documentation that kicked off the service for me in the first place. 

There was a lawsuit over this very issue, but Discover has since changed their policy to only refund 6 billing cycles worth of these " service '' charges ( as opposed to the full refunds that consumers have gotten previously ). I spoke to various people in this department of Discover, and all said that there is nothing they can do beyond the 6 billing cycles. They all kept reading from the same script, and not directly addressing my concerns. They claim that the monthly charge being included in my account activity and " newsletters '' are enough to notify me that I had this service. 

If you do not check your account activity, or do not read newsletters from your credit card companies, there is no other was to know this is happening. 

I feel that this I was signed up for this deceitfully and I am owed all of the money that has been charged to me since XX/XX/2010, not just in the past 6 months. I am truly considering leaving Discover and taking my business to another credit card company who doesn't use these low bar tactics to make money.
XXXX XXXX I bought a car from XXXX XXXX XXXX, CA. Iwas a co-signer on a friends car and they let me purchase a cacar but I had to have that friend to co-sign for me and he wasretired. The interest rate was 23 or 24 % I took the car backnext day and told them I did n't want to purchase the car andthey would n't take it back or give me the down payment backCapital One financed the car I called and they told me theycould n't do anything about it. I have struggled to keep payingthe note. I had XXXX years pay off the car XXXX for aXX/XX/XXXX XXXX I just had to file chapter XXXX I did n't know whatto do Capital One could n't refinance the and no one elsewould neither. I already had bad credit and now it 's worseI just filed chapter XXXX in XXXX XXXX I feel like they should besending me the pink slip to the car in XXXX the car soldnew for XXXX. I have to surrender the car now theyshould be a shame of themselves to do people like thatI got played but I prayed for the enemy and now I 'm movingon.
I have sent all proper documentation required by all the credit bureas to remove the fraudulent information from my account. They have removed some of the accounts but not all. The ones that remain are   XXXX   XXXX   opened  XX/XX/XXXX  with a balance of {$1000.00},  XXXX  opened  XX/XX/XXXX  with a balance of {$480.00}, &  (   XXXX  )  XXXX   XXXX   XXXX  accounts   XXXX   opened  XX/XX/XXXX  with a balance of {$40.00} each.
My father passed away last summer and I have been trying to sell his house in a short sale because he was so upside down as he carried a mortgage with Nationstar and XXXX XXXX. His home was deeded to me - I live next door to him in a neighborhood where homes are being stripped and crime is high. We have a buyer for the home and she has been in active nego with Nationstar. The auction is set for tomorrow, XXXX XXXX and the realtor requested to push it out over 2 weeks ago. A broker from Nationstar did a walk through on XXXX the XXXX and now we learn that the house is going to auction???? what is up with this company? My father was XXXX years old when he died and somehow he was owing {$XXXX} on a home valued now at highest {$90000.00} - I really feel that he was taken advantage of and agreed to anything to keep his home or lower payments??? I do n't know?? I do know that if the bank owns the house and the renters move out that the house will be stripped and vagrants will move in and drugs etc. will happen right next door to me. I only wanted the chance to keep my family safe and my own property value up. There are so many houses in this neighborhood that have been abandoned. I have young grandchildren that I care for and the thought of them being subjected to the potential crime has created so much stress on my husband and I.
The following inquiries on my report were not authorized by me.        XXXX  on   XXXX   XXXX   XXXX     XXXX   on   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   on   XXXX   XXXX   XXXX
My personal information was leaked from the recent Equifax security breach. The breach was reported to have happened back in XX/XX/XXXX. One of my credit cards, XXXX XXXX, already had fraudulent charges placed on it yesterday ( Thursday, XX/XX/XXXX ). I 've already contacted XXXX XXXX and took the necessary action to revolve it with XXXX XXXX. However, I 'm very concern that I 'm a target for further identity theft attempts.
I have a line of credit with BBVA Compass for Overdraft Protection. Although this is an open/active credit account, BBVA does not report it to my credit report. I have raised this issue with them, and they tell me that I need to contact the credit bureau. I contacted the bureau, however it is only possible to file disputes for existing information inside of the credit report already. I can not locate an option to 'add ' a tradeline to my credit report- really it is the financial institution that needs to do this. Additionally, I have to say the service at BBVA is not well. Their is frequently a language barrier, the bankers do not know the products or services. Additionally, they do not give consumers all of the available options to avoid fees- that is to say they retain control in order that they can charge fees. Ex : If I forsee needing my OD line, I can not advance it ahead of time. The bank advances it for me, and then charges me {$12.00}. As such, I never use the line because they do n't see fit for me to control my own money. It seems to me they have this practice to charge more fees to consumers. I guess the 22 % APR is n't enough.
The accounts listed below are reporting on my consumer credit report in error : Creditor : XXXX XXXX Referenced Account # XXXX Creditor : XXXX Referenced Account # XXXX Creditor : PUBLIC RECORD Referenced Account # XXXX
This complaint is about Navient. www.navient.com. 
This loan in in my daughters name with the complainant who is the parent and cosigner. 
My complaint is : 1. unfair interest charges I understand that interest is charged daily, how can a additional payment a day later have multiple days interest? Furthermore, the payments can not be be directed to pay off he smaller account or be directed to principle only. In a XX/XX/2016 and XX/XX/XXXX phone call to Navient, I asked for a detailed analysis explaining my account, exactly how the interest is charged and the agent refused stating it was on the web site. What is there, is not clear. ( Shocking ... ) 2. Multiple accounts still show even though a consolidation was completed ( subsidized and un-subsidized ) and payments or additional payments can not be directed to pay off either the other loans or directly to principle. Multiple accounts means multiple credit account history. If there are XXXX showing on the account summary, I expect XXXX to be reported on. In this case, they state XXXX account and multiple are reported. This is inaccurate reporting. On this matter, I discussed this with Navient that it was showing multiple accounts and that the consolidation should then close out the paid off loans. The Navient CS agent agrees, and states that it really is not multiple accounts, just their way of accounting. Makes no sense. 
I believe this is predatory lending behavior. As a parent and cosigner, I understand what my responsibility is. it appears to me this institution is making this loan nearly impossible to repay. I need your help.
My attorneys and I have been trying to complete the sale of my home. We have been unable since 2015 due to the fact Specialized Loan Service refused and stated to us that Intervening/Mortgage assignment documents does n't exist leaving us with no option but to sit and continue to accumulate unfair fees and SLS lawyer and other fees. When my attorney asked XXXX and her supervisor for SLS attorney information they stated that they could not provide that to him. I have spoken to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and several other agents. My information continues to be passed and ignored. Today, instead of the mortgage assignment documents being sent to me. I received the mortgage assistance documents not what I asked for. I am a recently divorced mother of XXXX kids with no income due to a medical illness. I need to sell in order to care for my family, bills and my XXXX.
I 'm a victim of identity theft, the account # XXXX XXXX is a fraudulent account and it was reported to my XXXX credit reports, after I contacted them they removed and deleted it all from my files. A week latter Equifax reported it again.
In XXXX, I had savings account and XXXX CD 's with CIT Bank ( XXXX. XXXX XXXX, XXXX, MO XXXX ). These accounts were closed in XXXX. I waited and waited for XXXX XXXX. Finally, on XXXX XXXX, XXXX, I called CIT Bank ( CIT ) and discussed this matter with XXXX who told me that all XXXX 's were mailed on XXXX XXXX, and that the XXXX should be coming soon. I waited and waited again, but, no XXXX until XXXX XXXX when I called CIT Bank again and discussed it with XXXX who blamed it on the post office. I then asked XXXX to overnight to which she agreed. I told her that CIT is closed for me and I am not allowed to do business with the bank. I waited again and looked for it every day. 

On XXXX XXXX, XXXX, I called XXXX again and discussed it with XXXX who gave me the shocking news as follows : A ) The XXXX was mailed on XXXX XXXX and not on XXXX XXXX as promised, and B ) The XXXX was not mailed by overnight mail as promised but by ordinary mail. It is beyond my understanding that why CIT will abuse its customer in this fashion. First CIT violated IRS law by not mailing XXXX by XXXX XXXX. Second, CIT promised to overnight. CIT did not overnight, nor CIT informed that the XXXX will is being mailed after 4 days by ordinary mail. 

It should be noted that CIT terminated all my accounts in XXXX and I cut me off from the bank business ( another story that is irrelevant here ). I will submit ( by fax ) the termination letter for your information and action. I had no access to the information on the web site due to termination of my accounts. I had to cancel my appointment with my tax accountant 3 times. I will probably get XXXX around XXXX XXXX or XXXX. I may not be able to file my tax return within the time since I have an overseas trip coming soon that I can not postpone or cancel without losing hundreds of dollars. I will cost me extra money ( {$150.00} to XXXX ) to file addendum tax again. I want CIT to pay this cost amounting to {$150.00}. 

How can a bank delay XXXX delivery and get away with it is beyond me. CFPB should not tolerate this kind of behavior. CIT has made my life miserable causing extreme frustration, economic loss and loss of my precious time. Their license should be cancelled. They keep on violating XXXX law repeatedly. 

I am a XXXX American who feels extremely helpless. I just can not take any more abuse. CIT has put me and my wife to tears. Your help will be God sent. 

Sincerely yours, XXXX XXXX XXXX Attachment : Termination letter to be faxed later ( I do not know the fax no. )