WillisBack/dataset-financial-user-claim huggingface dataset:
I am entering this complaint because my husband passed away in XXXX 2009, XXXX yrs ago. The loan was in his name, not both names. He left everything to me in his will. The loan he had on the house is with Green Tree Mortgage. I have been trying to get the loan transfered in my name. The Probate papers and death certificate has been sent to them and they still say they ca n't tell me anything or put it in my name. I have given Green Tree permission numerous times for one of my family members to talk to them because I am XXXX and also XXXX and am XXXX yrs. old. I have been keeping the payments up ever since XXXX when he passed away. They will not tell me how much is still owed on the loan, or change the address for mail to come here because I am living with my son and his wife and have been since XX/XX/XXXX. I want to sell the house which and ca n't do that until it is in my name. I ca n't live by myself any longer because my health is declining. I ca n't afford an attorney because I live on a very limited income.
I opened a citigold checking account with Citibank. The promo code was supposed to be applied to my account 90 days from the opening of the account.we are now over 90 days and they advised the are now investigating promo code. Opening of account was done through their website and promo code was applied automatically. I was advised they will need 30 to 60 days to complete investigation. This Citibank has mislead me and now I am forced to keep my funds with them as I will need to keep my bank active.
I had a business account with wellsfargo I was not paying or signed up for XXXX access on that account ( XXXX has no record of any such connection so it's all Well Fargo fees ). I closed the empty account in XX/XX/XXXX.

In XX/XX/XXXX, I open a personal account. I come to find out I have been being charged XXXX a month for a service I never requested and the reasoning is an email I found in my simply reading : " Dear **** *******, We have changed the billing account for your XXXX ( R ) or XXXX ( R ) service billing account to the account ending with the numbers XXXX.

If you have any questions regarding this change, please contact us at XXXX for more information. We are available to assist you XXXX XXXX to XXXX XXXX XXXX XXXX, Sunday through Saturday.

Sincerely, XXXX XXXX Senior Vice President '' I NEVER had this service and even if I would have had this service years ago, I never authorized Wells Fargo to randomly, months later grab and link a new personal account ( associated with my SSN ) with a business account ( associated with an EIN ) based on my name alone and without any warning or request for permission.
Funds were held on checking account on XXXX/XXXX/XXXX without my knowledge. M & T bank froze acct, could not use acct., debit or find representative that could help me I was instructed to phone legal dept, which I did, left a message on XXXX/XXXX/XXXX Direct deposits, and ATM deposits being made into acct, but ca n't access funds for anything ( food, gas, monthly bills ) There was NO NOTICES SENT to me either e-mail, online, phone or text. I called numerous times to contact. Again NO ONE called back or assisted me. Would like to know what is going on, and how long my money will be held hostage. I ca n't borrow from anyone. I live alone.
This complaint is linked with XXXX. I am further disputing as TransUnion stated in their official response that the XXXX XXXX XXXX, XXXX XXXX XXXX was never removed from my credit report. Attached is a screen shot from XXXX XXXX that shows that this account was deleted TWICE under my " removed collections '' section. These were deleted on XXXX XXXX 2016 AND again on XXXX XXXX 2016. TransUnion has been untruthful in their response to my complaint. Again, this is in violation of the FCRA as this account was removed and added without giving me notice. I want this account deleted from my Trans Union credit report As Soon As Possible.
I recently received my Annual  Escrow Account Disclosure Statement in the   mail and noticed that their is a 100 % increase in the PMI insurance that the institution is going to charge. This even though the  LTV is  at 81.7 % and I 've NEVER been late on a payment. I called the Customer Service number on the statement for an explanation on why there was going to be a 100 % increase in the PMI insurance but they advised they could n't help me that I 'd either have to fax or email a request to PMI department. I asked if there was a telephone number that I could call to ask this question and they said NO it had to be faxed or emaile d. WOW. I   proceeded to send an email but they have n't responded to my request for an explanation for the 100 % PMI increase so I 'm now filing a complain against them
On XXXX/XXXX/XXXX, I opened a 15 yr boat installment loan, with XXXX XXXX XXXX. Fifth Third bank took over this loan in XX/XX/XXXX. The final installment was due on XXXX/XXXX/XXXX, and was paid. We then received an additional bill for {$5300.00} on this same loan. We have gone to the bank loan officer three times to no avail for an explanation, other than the charge is for additional interest for being late during the course of the loan. Whenever late, we paid a late charge. Fifth third can not explain how they came up with this figure, nor does the original agreement show anything. I just received a new bill, showing a late charge of {$210.00} on top of the {$5300.00}. The bank calls me 3X a day and yet no one will explain these additional charges. I am being harassed, insulted and annoyed. Please help me get this nightmare cleared up.
I sent a dispute to Experian on XX/XX/2018, and it was received on approximately XX/XX/2018. Today XX/XX/2018 I received the attached letter stating that Experian isn't going to be investigating my disputes because I didn't provide information to validate myself. My dispute included a notarized form stating that a notary public verified my ID. Experian is attempting shirk their responsibilities under the FCRA. I am not going to attach my ID for privacy reasons. Please see the attached dispute.
Synchrony Financial for 5 years charged me almost a combine {$9000.00} in credit card insurance fees. After I figure the issue out they I approached the bank and they returned the money without interest. However, Synchrony Financial removed money from my payments over a 5 year period. Money that should have gone to paying off the principle of my debt. By doing this SF profited off of the misappropriation of my payments somewhere in the amount of {$6000.00}. So while SF was holding money that belonged to me they were simultaneously charged me interest. When I approached Synchrony Financial regarding this issue they paid off the remaining balance of the credit card of XXXX. Then after all that they sent me a XXXX Cancellation of Debt. Never, not once was there any mention of discharge of my debt rather that SF would return a small portion of the money they essentially stole from me by paying the remaining balance of my card. 

I have all the calculation when you are ready to see them..
In XXXX 2016, I applied for a State Farm credit card that had 0 interest for the first 12 months. I was approved for a credit card with a XXXX limit. However, the card they sent me was actually had interest that was charged. I discovered this when I was a half hour late paying my bill because the on-line system did n't work for me. I had tried the previous month to pay my bill on-line, but there were issues with their website. I was told it was a browser issue on my end. I use XXXX and XXXX XXXX, the most popular browser with the most up to date version of XXXX. I called and paid my bill, but missed the XXXX eastern time deadline. I called and talked to customer service and said I was concerned that my 0 interest would be affected. I was told that no, there would be no affect. When I got my bill, it showed interest was being charged, and not just for that month, but all the way back to the start of the card. I transferred my balance to a new card and when I called State Farm to tell them to cancel the card and why, I told them I was upset because I was being charged interest for being all of 30 minutes late paying the bill, partly because their system was messed up. I was then told that the card was never a 0 % rate. There was a 0 % on balance transfers, but not on the card itself. I went back and looked at my original information that came with the card and sure enough, the card they sent me had interest charged. I know for a fact that I applied for a 0 % interest card for the first 12 months. What I applied for, and was approved for, was a 0 % interest for 12 months. This is not what they sent me or set my account up for. I should have been more observant.
I applied for a Home Equity Loan from Wells Fargo. The loan was to pay for my Mother 's care for XXXX. I was the trustee for the property ( Mom 's house ), and there was about {$900000.00} in equity in the home. After several conversations and quite a bit of paperwork Wells Fargo told me the loan should be no problem, I had passed the first application and the rest of the process would more or less be a formality. Then out of the blue they sent me a note that I was not getting the loan for two reasons, one of which was that they " did n't offer that type of credit ''. Huh?
Hello-I need your help, I am being treated very unfairly by a student loan company called Navient. I feel as if they are committing fraud or that they have been ripping me off. This is regarding my private student loan accounts I have with them. Recently the accounts went from XXXX to Navient. My private loans total around {$14000.00}. My payments were on an interest only plan for quite sometime due to me extending my payments off until I could not anymore due to financial struggles. Meaning I paid only interest every month for years, not one dollar was going to my principle which I understood. Navient then tells me the interest loan repayment plan was over, and my payments would start going to my principle. When I got my monthly bill statement I noticed it increased from XXXX to XXXX. I called them immediately and told them I was a single mother of XXXX children and could not pay the full amount with the new increase. I told them I could not afford it and I needed them to work with me to get it down to what was paying which was XXXX. They went from one customer service agent to another, then to the supervisor because each one of them told me the same thing, they could not do anything for me. The supervisor told me the same thing as well, I had to pay the XXXX a month. I then asked lets say I was able to pay the XXXX a month thinking well I have already finished paying the interest only payments for a couple years maybe I will now be paying a lot more towards my principle, and finish soon, nope. ..he starts to tell me the contrary, that he calculated XXXX would go to interest and the rest to my principal, and according to his calculations the pay off time would be in 2028, 13 years from now. I explained once again my financial struggles and still he went on to tell me I should make my payment every month even if it is the {$150.00} or else they could garnish my checks. I told him how do you expect for me to pay your company the {$150.00} I can afford if your telling me that would not even cover my monthly accrual interest? I told him I would never finish paying you guys off then. He told me he understood but that there was nothing he could do for me and that I had agreed to all of it when the loan was given. Do you guys think this is fair? To make monthly payments of XXXX for the rest of my life and never have one dollar go to my principle? I need help, please refer me to someone, I am desperate. Thank you for your time. 

XXXX XXXX
Trans Union is allowing my student loan creditors to report multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ).
The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and correct information submitted to the CRA. Credit report are to be updated to reflect a forbearance status for the months indicated below. XXXX XXXX XXXX/XXXX ( 8 accounts ) : Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover the past due month of XX/XX/XXXX.
Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX.
Place in forbearance on XX/XX/XXXX and  retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX. XXXX ( 2 accounts ) : Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due months of XX/XX/XXXX - XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX ( 2 accounts ) : Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover the past due month of XX/XX/XXXX.
Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due months of XX/XX/XXXX - XX/XX/XXXX
In XX/XX/XXXX I attended college and with the help of my sister who cosigned for me, I was granted a loan for {$1100.00}. During the XX/XX/XXXX I completed an internship and this is when the harassing phone calls began. In the XX/XX/XXXX I was not working nor was I in school. I informed XXXX/Navient that I was unemployed and not in school, but they still harassed me and insisted that I pay. In XX/XX/XXXX I went back to school ( and informed them that I was in school but that did not stop them from continuing to harass me with the phone calls demanding payment. I had a struggle with attending school due to financial issues. I finally graduated in XX/XX/XXXX and they were not willing to lower my payments, nor offer the deferment, nor the forbearance. To this day they have been harassing and threatening me for payment. I informed them that I was only working as a waitress and could not afford those high payments. They literally had me in tears with the threats and harassing and unwillingness to assist me with the above. They told me that I had to give them my bank information for the high payments regardless if I could afford them or not. I felt as if I had no choice, even though I knew and told them that I would not have the money. This has resulted in late payments, which I never agreed to make, and in the process, has caused me to have delinquent payments on my credit ( and the credit of my cosigner - which they have been harassing as well.
On Wednesday, XX/XX/XXXX I used the XXXX app to transfer funds from my personal account to that of a friend, to pay for a hotel room cost in the amount of {$160.00}. I was immediately notified on that day by XXXX that the transaction went through and the funds were subsequently removed from my account the same day. I then go on my vacation the following weekend and I am using my debit card the whole time while away. I returned from my trip on XX/XX/XXXX and was notified via email that day by XXXX that the charge had never gone through and that my account with them was now frozen, but that they would " cover '' the cost until I could pay them back. Now, my first issue is that the funds were immediately removed and it should not take 5-6 days for XXXX  to process that. XXXX  waited until I had no funds in my account available to charge me, then tried to penalize me for their delayed processing of the transaction. Recently on XX/XX/XXXX, my friend XXXX XXXX, tried to send me money through the XXXX app as a surprise and before I could tell her that account was frozen, XXXX took the funds and is essentially holding them hostage until I pay the {$160.00} to them. This is a complete violation of mine and my friend 's rights and we would like to recover both the {$160.00} and the {$75.00} owed to us by XXXX. My friend XXXX XXXX has nothing to do with my XXXX account issues and XXXX  should never have been able to receive the funds in the first place to a frozen account. This has now given them the ability to keep a third parties funds hostage until another parties debt is paid and that just seems like a blatant violation of our constitutional rights as consumers. I also have all of the emails from XXXX  stating that the funds were paid out on XX/XX/XXXX as well as all subsequent emails from them since they froze my account ion XX/XX/XXXX.
I tried to challenge the credit bureaus the name, address and all info thats relating to a bankruptcy listed on my credit report. I asked them to show me proof on specific information that it was me and how they verified, and they did not.
Due to a series of mistakes and/or misrepresentations made by Citibank employees in XXXX and XXXX, we were presented in XXXX XXXX with an unexpected balloon payment for our Home Equity Line of Credit ( HELOC ). Although we have been making the monthly payments on the HELOC, paying off the balloon payment would be a severe hardship. All we want, really, is the opportunity to continue making monthly payments. However, to date Citi 's employees have not found a way for us to do so. 

In XXXX, we got a HELOC with XXXX. It was set to have a balloon payment due after 15 years. That 's not the issue. The issue is what happened over the following 15 years. 
In XXXX, Citi bought the HELOC from XXXX, as well as our first mortgage from XXXX XXXX. In XXXX, we refinanced the first mortgage, with the understanding, from the Citi employee working with us ( XXXX XXXX, XXXXXXXXXXXX ) that the HELOC would be " replaced '' during the refinance. We were told that the terms of the " replaced '' HELOC would be 10 years as a credit line, followed by 20 years as a fixed-rate standard loan if any balance remained. 
However, contrary to what we were promised, the HELOC was not replaced in XXXX. Instead, it continued under the original XXXX terms. In XXXX, we refinanced our mortgage again. Again, we were told to " not worry about '' the HELOC. Again, it was left unchanged and remained under the initial XXXX terms. 
Someone at Citi failed to adjust ( " replace '' ) the HELOC under Citibank terms in both XXXX and XXXX. We would appreciate it if someone would investigate how it is possible ( allowable ) that our HELOC remained unchanged, and under XXXX terms, through XXXX Citibank refinance processes. 
In XXXX XXXX, we were told that we are in default on an unexpected balloon payment of {$68000.00}. This would be challenging to pay off under any circumstances, but, coincidentally, we are both currently unemployed. 
This interaction has become a comedy of errors and aggravation. We have dealt with at least a dozen Citi employees, none of whom appear to communicate with each other. Citi 's incoming telephone systems seem to be specifically designed to waste the customer 's time. 
Since XXXX XXXX, we have been attempting to work with the Recovery Department. We tried dealing with the " Executive Response '' team for a while, but were told that there was " nothing they could do '' and that they were the " top level of escalation ''. ( We sincerely hope that this is not the case! ) We could withdraw {$68000.00} from a retirement account ( with some tax penalties ), pay off the balloon payment, and move on. However, given that one or more Citibank employees is responsible for this problem occurring in the first place, we are still hoping that Citi can provide us with a better solution.
They have been calling my work line after I disclosed I can not receive calls at work, they have been calling my sister several times and I did not give them her cell phone. They call me obsessively about 4 times a day. I had to block them from my phone.,
I purchased 2 XXXX dirt bikes using the XXXX credit card a line of credit provided by HSBC. I got behind on payments and HSBC sold the credit card debt to a third party debt collector. I was contacted by XXXX XXXX XX/XX/XXXX 2011 stating she was with XXXX XXXX XXXX XXXX and was collecting on the HSBC debt I owed. She stated the dirt bikes I purchased would be seized unless we could settle the debt. She stated that if I could pay a total of {$2700.00} which needed to be wired she would send the titles to me for the dirt bikes. I wired {$2500.00} on XX/XX/XXXX and the remaining {$200.00} XX/XX/XXXX only to find out that they did not hold the titles for the dirt bikes as they were still showing the lien holder as HSBC ( found out later ). I then realized that not only was the debt not settled but XXXX XXXX XXXX sold the debt to another debt collection agency XXXX XXXX who then started trying to collect for the same debt. I did not agree with the debt XXXX was trying to collect, XXXX filed a judgement against me which I then thought Bankruptcy was the only way out. I filed chapter XXXX bankruptcy which was converted to a chapter XXXX in XX/XX/XXXX. I feel like this was handled very wrong by HSBC who sold my debt to a third party debt collection company but has never released the liens on the bikes to these companies. Then I was lied to by the third party debt collector XXXX XXXX XXXX XXXX stating they would release the liens if I paid when in fact they did not hold the liens. HSBC has since sold the XXXX accounts to XXXX XXXX who has no records therefore I am unable to dispose of or get rid of these dirt bikes or even come to any type of settlement with them to release the liens.
I opened a checking account in Bank of America about one month ago. Before that, I did n't have any business relationship with BOA. 

After getting my debit card, I tried to activate it. But when I made the phone call, the custom service told me that my account is permanent closed by BOA. And I can not have any account for lift time with Bank of America. When I asked the reason, BOA risk department just told me again and again : " It is a business decision ''. 

I do n't understand why BOA first approved my account application and closed it immediately. I did n't do anything harm on BOA. And considering I never owned a BOA account, debit card or a credit card, I really can not understand why BOA did it.
I've contacted Frontline Asset Strategies / XXXX XXXX XXXX about a XXXX   XXXX line of credit that was fraudulently obtained in my name. A police report was filed and all 3 credit bureaus notified. The XXXX XXXX account ending in XXXX was removed but XXXX XXXX XXXX has added it back to my credit profile with themselves listed as the creditor.
Capital One has begun charging a {$39.00} " annual membership fee '' on my Platinum Credit Card. When I applied for the card, I specifically chose the Platinum card due to the lack of annual fee. On all promotional materials, the Platinum card is listed as having " {$0.00} annual fee '' and in terms and conditions on their website, the {$39.00} " annual membership fee '' is not disclosed. A yearly " membership fee '' IS an annual fee. This is unethical and misleading conduct and I am not the first customer to have experienced this confusion at being charged an annual fee. If Capital One is going to charge an annual membership fee, the {$39.00} should be listed as an annual fee in their Product Terms & Conditions immediately.