WillisBack/dataset-financial-user-claim huggingface dataset:
Recently, I have been trying to link my account  to a business account with Chase. I 've received multiple calls and I have been updating Chase on wh at has been happening with my accounts. My business account told me they were running trials to see if they accounts were able to link.     Today,  XXXX   XXXX , I called  Chase to see what was going on when I realized I did n't have access to my account online. After calling them and seeing what was wrong, they decided to close my accounts and end business with me. This is not only disappointing but really upsetting when I have been calling Chase multiple times throughout these past two or three weeks. Interrupting my studies with sc hool to go over what 's happening again and again. They said this decision is irreversible and there are no actions that can be done.     Here is my issue with that : my parents have   Chase and they are Chase Private Clients as well. They need me to be with Chase and to use it so they can send me money to pay for rent. This is not only an inconvenience to me because I have rent due in 4 days, my bank suddenly decides to end their business with me right before is absolutely unprofessional. Not only do you jeopardize my living situations but you also jeopardize me being able to live. I am a broke college student, I have no money ... my business accounts were helping me make progress with my life. It 's absolutely disheartening to see Chase has made this move against me when I have valued Chase since my parents have joined.
There should n't be a reason that this is happening because I 've been updating Chase and what 's happening to me. The timing is so bad, especially right now with rent and bills due. It 's coming to a point where this life is not worth living.
I recently opened a Citi credit card ( less than 2 months ago ). I started using it normally with no problems at all. Approximately 2 weeks ago my card stopped working without any notice what so ever. This is when I had one of my worst experiences with banks. I tried to reach someone to speak to for days, when I reached someone to speak to, I was told they do not know what is going on, they hung up the phone 2 times! After some days the card started working again, and again without any notice at all. Then after some days it stopped working again, when I called to inquire they told me my account is being closed! 

Apparently someone decided to close my account, probably because I requested to make a complaint, which by the way was not filed. 

I believe that such careless handling of customers ' credit lines is something extremely sensitive, and it would also affect my credit score negatively.
I went to 8 sessions of XXXX XXXX in XX/XX/XXXX after my XXXX XXXX. XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, in XXXX MI, submitted my visits to my insurance company and assured me I would receive a bill from him for the uncovered amount. 
Fast forward 2.75 years and in XX/XX/XXXX, I receive a " final collections '' notice from Transworld Systems, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX for {$510.00}. I have had impeccable credit for my whole adult life, and now it has been sullied because of this. I check my mail every day, so it 's not like I missed an invoice or something. I am very discouraged, but it does look like my insurance did n't cover this portion so I will pay it just to get my credit back in shape.
My issue is with Ditech, and the servicing of my loan. On XX/XX/XXXX,  Ditech paid the flood insurance on my home in XXXX XXXX. The amount paid was {$560.00}. My premium amount was {$450.00}. When I called Ditech on XX/XX/XXXX, they told me that Ditech paid my insurance premium without receiving any documentation from my insurance company for the amount old. The supervisor in the insurance payment division further told me that someone from Ditech called my insurance company on XX/XX/XXXX, and requested the premium amount over the phone, and the insurance provider said that the amount was {$560.00}. Ditech was unable to provide me with any record of this phone conversation when I spoke with them on XX/XX/XXXX. I have a statement from my insurer datedXX/XX/XXXX ( the same date that Ditech says they talked to my insurance company ), saying that my insurance premium is actually {$450.00}. 

I don't believe that Ditech contacted my insurer. I don't believe that they made any attempt to know how much my premium was supposed to be before paying my premium. I can't believe that they would pay my insurance premium without some sort of paper trail or documentation stating the amount of insurance owed. 

This is my second issue with Ditech. Last year, Ditech paid two different premiums on two different hazard insurance policies covering the same house. They did so despite my insurance broker notifying them that one policy had been cancelled, and that I had a new policy. I saw my mortgage payment spike, and had to devote a significant amount of time and effort to retrieving my money -- through no fault of my own.
Citibank took {$170.00} in fees from my checking account between XXXX XXXX, 2015 to XXXX XXXX, 2015. In order to maximize the fees, Citibank processed larger transactions first in my checking account then smaller transactions which caused my account to be overdrafted. Citibank is engaging in unfair business practices by processing larger transactions first then smaller transactions in order to maximize overdraft fees.
I filed bankruptcy ( case XXXX ) XXXX California Courts in XXXX 2014 and it was discharged on XXXX 2014. I am currently and still receiving billing statements and letters to collect on the debt.
I XXXX XXXX believe that under the modified Fair Debt Collection Practices Act that I should have all aspects of foreclosure ceased against my home until I can package all documents necessary for a mortgage modification. When my wife went through a XXXX, she had to leave her work that paid more than {$30000.00} per year. I had to take an extended leave of absence from my job, but I am fully employed again. In XXXX of XXXX I was involved on a conference call with the representatives of XXXX XXXX XXXX, Shapiro, DiCaro & Barak, LLC and the clerk of the court. During that discussion, I was given until XXXX XXXX, XXXX to present all my documents to Shapiro, DiCaro & Barak LLC. I will have a complete modification package within the next week, and it looks like my wife will be able to start work XX/XX/XXXX. On XXXX XXXX, XXXX, the law firm filed a Notice of Motion proposing the granting of Summary Judgment on my case. I am burdened with a great deal of medical debts as well as additional debts I defaulted on while my wife was sick. I intended to obtain a mortgage modification, then file a bankruptcy petition Chapter XXXX to alleviate all debts outside of the bankruptcy. I can not deal with the excessive pressure presented against me now. I need all foreclosure actions to cease under my rights with the Fair Debt Collection Practices Act mandate of XXXX XXXX, XXXX until a resolution on a modification can be accomplished.
I purchase a set of custom kitchen cabinet. The cabinet came and local installer associated with the company came and installed them. After 4month of using them. The wood started to swell. I tried to contact the merchant. At first, they said they will come and replace them ; then they stopped responding to my text or calls. Therefore, I initiated a dispute through Discover card that I used to charge for the cabinets initially. Hope that Discover Card will give back my justice. However, Discover Card decided not to issue a permanent credit on my account because they can't contact the merchant. 
On their website, under dispute FAQ, it states clearly in one of the question : If the Merchant doesn't respond to your notification, what happens? 
The answer for that is : We issue a credit to your account. 

Therefore, I demand Discover Card honor their own statement to issue me the permanent credit to my account. 

My dispute file and Discover Card policy will be attached.
on XX/XX/XXXX, my son received a beating at the hands of a bunch of XXXX kids off campus because he wandered into their territory. Hospital stay, concussion, contusions, etc eventually resulted in him having XXXX. I guess this caused him to forget that he needed to change his autopay arrangements with his student loan. So, Sallie Mae came a calling when the account debit failed. I called them proactively in the morning of XX/XX/XXXX and explained that we will be making arrangements, but not to expect a payment until Tuesday XX/XX/XXXX. Almost immediately after hanging up, I proceeded to get multiple robodials calling me about the same situation. 

I used to manage a collections application for XXXX. I know the law. They are not allowed to contact more than one time a day. That is harassment. I explained that to the rep, and she proceeded to try and correct me. I'm like I had an application for 3,000 collection reps in 8 call centers in 3 countries. Don't tell me that it isn't against the law to call multiple times.
Navy Federal Credit Union is withholding access to information about my checking accout, apparently in retaliation for refinancing my Navy Federal mortgage with a different bank.
I had XXXX accounts ( XXXX for credit cards, XXXX and XXXX ) and XXXX for student loan from XXXX. I suspected those accounts were fraudulent since it was not authorized by me. 
Based on a dispute lodged by me thru XXXX on XX/XX/XXXX, these XXXX accounts were deleted from my credit score which resulted in a drastic reduction in my score. 
After lodging the complain, I realized that those accounts were opened by my son who happens to have same last name as mine. He was trying to build some credit for himself. 
In view of the fact that deletion of these accounts have reduced my score considerably, I am requesting Transunion to re-instate those accounts as before so that my previous credit score can be restored. It will help me a lot since I am planning to buy a car this month. 
Your kind cooperation and prompt action in this matter will be highly appreciated. 
Regards, XXXX XXXX SSN ending with XXXX
Hello I have been dealing with AMSHER COLL collection agency about a XXXX account I had a while back. After speaking on the phone they agreed on a recorded line to lower to {$1500.00} if I made payments I have made payments which I've been doing and I still see over {$4000.00} owed which is inaccurate. I tried calling there customer service team again and they said they had no idea what I'm talking about. I asked them to check there notes since I told them originally on the recorded line will this be on my notes and will you send to the creditors which they agreed the {$1500.00} would be plus whatever I paid each month taken off.
I was a customer of Wells Fargo for many years. While I was a customer they requested at every chance they got for me to choose paperless statements, so I finally gave in so they would stop asking and to help the environment. Now that I have closed my account I have no record of any activity or history as all of the statements were stored on their site. I called today to ask for a copy of XXXX statement and they told me that because I had no active account to bill the {$5.00} serve charge, I would have to mail a request with a {$5.00} money order. I wish I would have known that I would have no access to my information BEFORE I closed the account. I feel as though they are holding my statements hostage.
I would like to make a complaint about TCF Bank, about closing my checking account and freezing my funds, and not trying to properly address my concerns or resolving the problem. My account was closed because I had ACH deposits go into my checking account for my business, and the deposits was in the name of my business, and not my personal name. The bank told me that the funds came in as tax refunds and in someone else 's name and not my name. I assured them that they was not tax refunds but business revenue for my tax preparation business, and I provided proof of that fact on more then XXXX occasion. I also have a saving account that I had opened at the same time as the checking, and had changed the name on my account with XXXX, so the funds would only come in under my name, and there would n't be a problem with me receiving my funds. The funds come from the same source, and TCF is ignoring that fact, and has not tried to verify the funds from where they came. They have repeatedly lied to me about their investigation and have not on any level to contact me, or allowed me to speak to home ever is responsible for keeping the hold on the account. They wo n't even have the courage to speak to me directly and answer any of my questions for what legal reason they have for their actions. XXXX XXXX XXXX Tax Products Group, the bank that I have a partnership with and also the source of the ACH deposits has yet to be contacted to be asked for verification of funds, and has also sent XXXX requests for the funds to be returned back to them, but their requests have also been ignored by TCF. I am being told by there customer service department, that they are waiting on the IRS to tell them what to do about the funds, but the funds did n't come from the IRS, and unless they start with the origins of where the funds came from, the IRS ca n't answer the questions of this issue, because they did n't send the funds to TCF bank. 
I am sending my business reports, as well as other documentation that I have also sent to TCF bank, that clearly should have answered the question of this problem, along with contact information and my account number for them, that they may be able to also provide verification about this the source of the funds and why I had received the funds. My account number for XXXX is also my EFIN number with the IRS, is XXXX for XXXX XXXX, of the XXXX XXXX XXXX XXXX and their contact for XXXX 's is Live Tax Professional Support : XXXX. 
I hope that I have provided enough information, and if there are more information needed, I would be more then happy to provide it when requested ....
On XX/XX/XXXX, 2017 I deposited {$1500.00} cash into a person 's Wells Fargo account. I was under the impression that I was putting down first month 's rent and deposit for an apartment. I was told the keys would be mailed to me. I had been corresponding through the scammer ( who I thought would be my landlord ) via text and e-mail. I followed his directions to make this cash deposit into the account number that he gave to me XXXX. <P/>A few hours later, my dad told me I had been scammed. I went back to the branch to explain the situation and they looked up the account number and told me that it had been flagged for fraud ; no money could enter or leave the account. The banker told me there were several other cash deposits made in the same amount into that same account from other locations. I filed a police report with the XXXX XXXX XXXX. <P/>For the past month I have been in correspondence with the Branch Manager. ( Wells Fargo Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). He told me the case is being investigated and that there were other victims. I have been e-mailing him several times a week asking for updates of my claim and he told me that it was " under investigation '' with the " resolution team '' as well as being escalated to a " research team. '' I was told they have my contact info but have not been reached by them. I have also not been able to reach anyone at Wells Fargo about this except for the branch manager. All I  have is a reference number # XXXX. <P/>I have confirmation from the branch manager who also happens to be the Assistant Vice President of the XXXX XXXX Region XXXX XXXX ( XXXX XXXX ) that my money was never liquidated from this account and that Wells Fargo is in fact in possession of my {$1500.00} cash. Because I am not a Wells Fargo customer and this was a cash deposit, it has been especially difficult. <P/>This is two months worth of rent money that I really badly need. I am a victim of a scam and I need Wells Fargo to do the right thing and return my money to me. So far I have no indication that this will actually happen. I plan to get in contact with XXXX County District Attorney as well as the Wells Fargo Board of Directors.
This account With XXXX XXXX XXXX XXXX was charged off in XX/XX/XXXX. They Have been updating this account with negative and positive payment history. The latest update was XX/XX/XXXX. I have NOT made a payment on this account since XX/XX/XXXX. this why the account was closed and charged off. 

They are illegally Re-aging this account on my Credit Report. This is affecting my credit score in a negative way. Which is a CLEAR violation of the XXXX XXXX XXXX XXXX. They are updating my account as if it is still open. I've contacted this company they where rude and unhelpful. I'v also disputed this account with all 3 Credit Bureau 's . They Did nothing as well. 

I hope this get this problem solved thank you
From XX/XX/XXXX-XX/XX/XXXX, my wallet and phone were stolen from my possession. They perpetrator who spent money on my account nearly XXXX dollars and they found me responsible for it because the police department failed to give me a copy of the police report I made XX/XX/XXXXand also said another reason was they seen a transaction before on my account which was named XXXX but anyways there where I found the suspect who stole my wallet and phone. There is so much stuff you can use or buy that will come up as a XXXX transaction that they shouldn't pin that on me. The third reason they said I would have to pay them back is because they called the phone to verify the transaction that took place but keep in mind that XXXX  don't need to be unlocked to be answered and they also didn't asked for verification of my identity at all. I was already on my way up to XXXX for vacation with my friends and I didn't try to call from a different phone because I thought nothing of the suspect being dumb enough to use my card and I didn't want to call from another phone to make it seem like I'm the suspect. so I went ahead and tracked the XXXX that got stolen from me and I seen they went all the way from where I live to XXXX, FL so I cancelled my trip to make my way out to getting my stuff back. so when I figured out how much they have spent on my account I called discover from the broken phone I retrieved after hunting this person down and explained only parts of the story about the fraud done so they can hurry and get this fraud off my card and stop my card from working anymore to the DISCOVER Card REPRESENTATIVE, she said everything would be fine and that we hold our customers 0 % responsible for fraud charges which is also on their website. so I'm waiting for a month then I see the charges placed back on my account because the decision is still going so every billing cycle I got ta pay a minimum amount of money I never used from them in the first place. Then when it reached end of XXXX I finally received a call from a case manager saying unfortunately we can't honor the fraud done because the police station failed to give me a copy of a police report and that they seen a XXXX charge before so I told the guy the full story and he said we will have it under review again for me then two more months past and I get a call from them saying " we still can't honor the 100 % fraud protection '' that they promote. So, I asked can I just fax you guys a witness letter saying what went on during the time and he said that I can try but basically said it won't work. So DISCOVER has me stuck paying them money I don't have nor spent in the first place
This is not true, no payments were missed and in fact payments were made early. 

This comes XXXX XXXX from Nationstar Mortgage dated XXXX XXXX XXXX XXXX, CO XXXX XXXX '' Nationstar has reviewed the above referenced account and found the account was correctly denied for the Home Affordable Modification. The borrower missed a payment during the trial period. Nationstar contacted the borrower several times, and management spoke to the borrower explaining why it had been denied. Unfortunately, the account is ineligible for the Home Affordable Modification, per the guidelines set for by the US Treasury. " 44. After XXXX learned of the Foreclosure sale, he again called Nationstar. On XX/XX/XXXX, XXXX spoke with XXXX Nationstar. XXXX asked XXXX XXXX to have Nationstar rescind the Foreclosure Sale because Nationstar had ( a ) failed to XXXX any notice that it was proceeding with the Foreclosure Sale and ( b ) had made multiple misrepresentations XXXX regarding the status of his HAMP modification and of his Note to Nationstar. 

XXXX. XXXX and XXXX went through Nationstar 's records of the communications between XXXX and Nationstar. 

XXXX. XXXX stated that Nationstar 's records of its communications with XXXX comported with XXXX ' own records of these communications, which are reflected in the preceding paragraphs of this Complaint. XXXX also confirmed that Nationstar had not notified XXXX of the Foreclosure Sale or of that XXXX ' HAMP application had been denied. 

XXXX. Despite his concurrence with the facts as XXXX presented them, XXXX and Nationstar refused to rescind the Foreclosure Sale. More specifically : a. XXXX asked XXXX, " What Happened? " b. XXXX responded, " Something transpired. " c. In response to further questions from XXXX, XXXX would not reveal what transpired, refused to rescind the Foreclosure Sale, stated that he was going to terminate the telephone call, and then hung up. 

XXXX. XXXX XXXX XXXX, XXXX held a conference call with XXXX XXXX XXXX Nationstar and XXXX XXXX XXXX XXXX XXXX XXXX a HUD-certified loan counselor ). 

XXXX. During this XXXX XXXX conference call, XXXX again affirmed that : a. Nationstar 's records of its communications comported with XXXX own records of these communications, which are reflected in the preceding paragraphs of this Complaint ; b. Nationstar did not notify XXXX that his HAMP loan-modification application had been denied. 

XXXX Nationstar did not notify XXXX of the Foreclosure Sale date or that Nationstar was proceeding with the Foreclosure Sale. 

XXXX. XX/XX/XXXX XXXX spoke via telephone with XXXX XXXX XXXX Nationstar Mortgage 's legal compliance department in XXXX, TX. He asked why Nationstar proceeded with the Foreclosure Sale despite having informed XXXX that " everything is OK. '' a. XXXX XXXX responded that there had been a " miscommunication between [ Nationstar 's ] Loss Mitigation and HAMP department XXXX s XXXX. " b. Thereafter, XXXX asked XXXX " Why am I being held accountable for miscommunication within Nationstar? " c. XXXX XXXX responded, " There is no explanation. ''