WillisBack/dataset-financial-user-claim huggingface dataset:
This is to express XXXX concerns about HSBC banking. I began the process of transferring my investment accounts out of HSBC ( XXXX, VA ) in latter XXXX of XXXX the process was completed by the end of XXXX. I later closed all of the remaining accounts. When I returned home in XXXX after a partial winter residence in the XXXX of USA, there was a credit card bill from HSBC. I informed the branch manager where I previously banked ( XXXX, VA ) that I had not used the credit card and no one else should have been able to use them because I had closed all accounts with HSBC. I wrote a statement and submitted it, but HSBC continues to send me a bill with interest. I have spoken to my previous branch manager several times, but the problem has not been resolved and they continue to send me a bill. I want the billing to stop. I did not use the credit card ; the account was closed and should not have been used by anyone. Evidently, I would not know, the credit card account was not closed ; I did not use it. XXXX ) I transferred my investments to XXXX. They handled all of the paper work. HSBC charged me fees for a time period when XXXX had the investments. I was not working with anyone in the months prior to transferring my investments from HSBC. When HSBC could not justify a fee payment, they took money without permission or informing me out of my Money Market account to pay themselves an unearned or deserved fee. That was the point when I severed all ties with HSBC ; I closed everything. I first moved my investments for XXXX reasons : a ) they were not at all helpful and responsive when I wanted to refinance y home at a lower interest rate. b ) After the persons I was working with left the company for other jobs, no relationship was established with me and when I made a request, no action was taken on my investment account. I am urging other to take heed and look for a bank that will serve you with integrity. XXXX ) Also, they cause me to loose over a thousand dollars by not cashing an old check. They took the check and gave me a piece of paper that the XXXX XXXX would not honor. They should have given back the check so that I could have had it reissued. XXXX egregious acts ... .stay clear.
I used a Credit Card for the car service XXXX. When a fraudulent charge was made on my account my credit card company called me and I closed the card, and a new one was sent to me. The card was closed on XXXX/XXXX/16. However, XXXX somehow allows charges to go through even on a closed card #. I had not been checking my statement as my card had been closed, and somehow {$320.00} over XXXX XXXX rides were fraudulently charged to my card. I have attached the statement that ended XXXX which shows XXXX charges in the days after the card was closed on XXXX with the largest being for {$130.00} ( that 's a long ride! ). I do not understand how I can continue to be charged by companies on a card that has been closed for fraud? When I contacted my CC company, they said they could n't do anything beyond closing the card, and so whoever stole my card information could continue to fraudulently use my closed card through XXXX at this time. I have attempted to contact XXXX, but they have been extremely slow, and did not stop my account. Essentially, I am powerless against continued fraud unless XXXX responds in a meaningful way. A closed card should be closed, charges to an account closed for fraud should not go through, and the consumer contacted to ensure legitimate charges be addressed. I will be able to resolve this through my credit card company. But I do not believe this is something that should be allowed to happen.
Business is attempting to collect a towing fee for a vehicle I did not own when it was towed. Recently I faxed the following communication to the entities attempting to collect a debt from me : To : Lien Enforcement, Incorporated XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX FAX ( XXXX ) XXXX XXXXXXXXXXXX AND- XXXX Primary Business Address XXXX , CA XXXX Phone : XXXX Fax : XXXX E-mail : XXXXXXXXXXXX XXXX : XXXX XXXX XXXX I contacted the State of California Department of Motor Vehicles Investigations unit at ( XXXX ) XXXX regarding the XXXX XXXX XXXX VIN. # XXXX and spoke with XXXX - ID # XXXX. XXXX said that there is no record in the system that I was ever a registered owner of the vehicle, and because I was never a registered owner I can not obtain a record of registered owners for the vehicle. The DMV states the sale date on the release of liability is XXXX/XXXX/XXXX and it must be honored. I never completed the registration process nor paid to register the vehicle, and the DMV states ( The record is not permanently transferred out of your name until the DMV receives a completed application for transfer of ownership and payment of appropriate fees from the new owner. ) So you need to find whomever 's name was / is on the title for the vehicle. Finally, you are refusing to honor the sale date, speaking on behalf of the DMV, which you can not do.
On XX/XX/XXXX I called Monterrey Financial to find out why they were reporting the incorrect balance to my credit companies and the gentlemen explained that they report the actual balance with the interest and not what the actual payoff amount would be, we had a little argument about a {$85.00} fee that was to be waived and was never waived, I ended up telling the " account manager '' that I will just payoff my account and be done with them, we set up everything he confirmed payment will be taken on XX/XX/XXXX. On XX/XX/XXXX I get notification from my bank that a transaction was denied for Monterrey Financial. I  immediately called my bank and they explained that they denied it thinking it was fraudulent activity and they needed me to call and verify, they fixed the issue on their end so that Monterrey Financial could take the payment. They advised me to call back Monterrey Financial and have them re-attempt to take the money, which I did, but the other supposedly " account manager '' that answered was talking to fast confirming everything that the only thing I understood was {$780.00} and my pay off was supposed to be {$730.00} I asked they guy where did the difference came from and he said a recovery fee. I asked him why a recovery fee if my money was on my account and my back is just doing their job of stopping fraudulent activity and they were supposed to take their money on XX/XX/XXXX & not on XX/XX/XXXX, it is not fair that I get penalized for something out of my control. The guy would not let me talk and kept over talking me and only thing I kept on hearing that I authorize a payment of {$760.00} and I am trying to stop the guy to tell him I am not authorizing a {$760.00} payment and he just talking saying Ok you authorize the payment to come off your account today XX/XX/XXXX, I said one more time I am not authorizing that payment and he then said ok you authorize the payment for the XX/XX/XXXX. I ended telling the guy you are not authorized and I hanged up. I called back and asked to speak to someone above a account manager as everyone that I speak to every-time is an account manager, a lady named XXXX was nice enough to get me a leader named XXXX. XXXX called me back I explained the situation and she was very understanding and was actually able to resolve my issue and confirm to me that on XX/XX/XXXX the payoff of {$730.00} would be charged to my XXXX and she waived the fee. I want this dispute to be taken into consideration as I expect that a company providing services would not try to cheat costumers into authorizing payments without their consents and the gentleman I had the displeasure of dealing with today treat others with the same attitude.
I filed for a dispute clam in XX/XX/XXXX for an item that I bought online form XXXX XXXX that was {$1900.00} but when I bought the item I never received the item at my doorsteps when I called the merchant that I bought the item from they told me I need to contact my bank and talk with them so I did call chase bank try to get my money back from them and the customer representative told me not to worry about it so I said OK within 12 to 24 hours they temporary credit my account back so couple months go bye in XX/XX/XXXX I Filed a clam for XXXX that my Chase debit card has been used without my permission so I called the bank and tell them what happened that there was a fraudulent charge on my debit card and I would like the charge to be taken off so I talk to one of the customer  representative and told me not worry about it you will be getting the temporary credit within 12 to 24 hours I said OK. what then a couple of days I try to log into my Chase banking on line I got a message that your account is restricted so I call chase the one XXXX I asked the customer representative what is going on with my account they said there has been fraudulent on your account and youre no longer able to bank with Chase forever in life and they said they will be mailing my funds to me in a cashiers check
I was unable to reconcile the correct number of days that I was being charged interest using my transaction history. A date column appears in the transaction history for my account and one might reasonably assume that interest is calculated from that date. I have learned however ( after speaking with a bank representative ) that interest is in fact calculated from an earlier date than the date listed on the transaction history. I have made two advances on the credit line to date. The earliest date listed shows my PCL check advance for {$10000.00} to be XX/XX/2018 but interest is actually being charged from XX/XX/2018 according to a bank employee. The next advance date listed in my transaction history shows an additional PCL  check advance for {$20000.00} to be XX/XX/2018 but interest is actually being charged from XX/XX/2018 according to a bank employee. I believe a consumer is entitled to see dates listed for credit line advances that correctly correspond with the date from which interest is being charged. Accordingly I can not determine if my interest charges are correctly calculated when the bank uses a date unknown to me that does not appear anywhere in my transaction history. A a consumer I believe we are entitled see the beginning date from which interest is being charged.
Stated that they were going to subpoena me at my home or job and if I was not there they were going to give me a bench warrant.
I have responded XXXX to their demand letters asking for validation of debt. They have not provided it and continue to delay by asking for more information from me. I have provide their account number and my name to them, and that has not been enough for them to validated the debt.
On XX/XX/XXXX I filed the following complaint on-line with the Office of the Comptroller which acknowledged receipt, assigned a case number ( XXXX ) and then mailed me a letter, dated XX/XX/XXXX, saying our case would be under the jurisdiction of the CFPB. They were " forwarding '' it. I now am told you have no record of this. Thus, I am resubmitting on your form the exact information I sent them : In late XX/XX/XXXX, we began the process of getting information on reverting our current line of credit 2nd mortgage back to interest-only. Our experience at our local Bank of America branch was alarming -- with extremely incompetent help. We contacted XXXX XXXX, Wealth management Retail Sales Manager and Sales Manager, as his name and phone number were on the documents we received. He apologized and asked us to " start over, '' that he would handle it personally. He came to our house on XX/XX/XXXX. After giving us information we all agreed that the best choice was just as we wanted ... to go back to an interest only home equity line of credit. My notes show he said we could have an interest-only home equity loan as long as we kept it for 3 years. He initiated the process. It took Bank of America until late XX/XX/XXXXto finally get the loan processed even though we have a checking account, first mortgage and the 2nd mortgage with them. Suffice it to say we have gotten numerous alarming and confusing mailings and phone calls asking for information, only to be followed with someone telling us the information requested is not really needed. Late XX/XX/XXXXwe got a call to schedule settlement. Details such as final interest rate were shared, including our payments. These were P + I payments. I explained that we were getting an interest only loan. I was told by the caller, XXXX XXXX of the closing department, that Bank of America dpes NOT even offer an interest-only loan any longer! We were shocked and dismayed. We feel this is an obvious bait and switch, with us investing time and energy in a process only to find they never were giving us what was promised. We are extremely concerned with this level of deception and want it investigated in the hopes of preventing other consumers from experiencing the same.
Loan Servicing company : LoanCare, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, VA XXXXI am writing to complain that despite my having adequate funds, my last XXXX previous mortgage payments for XXXX and XXXX have deliberately not been processed by LoanCare through their website ( XXXX ). 

I tried to made a payment for XX/XX/XXXX using the same account that I have always used from my XXXX XXXX Account, and then realized later in the month that the payment was not processed through the website despite receiving an email confirmation that it had been accepted. 



As soon as I realized that they payment was not processed I then made a second attempt to pay XX/XX/XXXX, plus make my payment for XX/XX/XXXX as well, using a different account from a different bank. That payment was not processed as well as I have just come to find out. 

At the time of my second attempt to make my payment I also wrote a message to LoanCare customer service through their website ( XXXX ) requesting explanation why the payment was not processed. To date I have not received a response to that enquiry. 

Both bank payment accounts have more than adequate funds to cover the payments at the time that I made them. I have the bank statements to prove this. 

I have now ( XXXX XXXX ) made a third attempt using my XXXX XXXX account to pay all the past overdue amounts but I am baffled what the problem is because the last two attempts have been unsuccessful and I have received no explanation from LoanCare. I have just tried to call my credit union- XXXX XXXX and they have still not received a withdrawal request from LoanCare for any of the payments that I have scheduled through LoanCare website. 

I just want to simply make my payments but LoanCare is making that impossible, and tarnishing my credit, as well as charging me late fees. I would an explanation from LoanCare why my payments have not been processed despite having adequate funds in XXXX different accounts, and receiving email confirmation. 

I again called my bank to check if they had received a withdrawal request from LoanCare and to date they have not. This leads me to believe that my third attempt to pay will not be successful, and that LoanCare is dishonestly refusing to accept payments in order to collect late fees.
XXXX Dear Sir or Madam, I am writing in regards to my five XXXX XXXX Student Loans totalling {$64000.00} ( as of XX/XX/XXXX ). I have qualified and been making payments on a Rate Reduction Plan, as I, nor my cosigner, can afford to make the previously quotes full payment of over {$800.00} per month. 

After several conversations with customer service members, I was offered a Rate Reduction Plan of {$280.00} per month, and that amount has been automatically deducted from my checking account on the XXXX of the every month for the past year. However, last month, on XX/XX/XXXX, XXXX separate charges of {$53.00}, {$50.00}, {$49.00}, and {$47.00} were made to my checking account without warning or my consent. On XXXX, following these charges, my monthly payment of {$280.00} was automatically deducted as usual. As a result of these four unauthorized charges, my checking account was overdrawn and I had to reschedule payment on other bills. 

On Friday, XX/XX/XXXX upon discovering these extra charges to my account, I called Navient and spoke with a customer service representative. She informed me that the reason I was charged these extra fees was, " another team member processed the payment without realizing payments had been automatically scheduled. '' When I asked the representative how quickly the charges could be reversed, she informed me that my case would not be reviewed until XX/XX/XXXX and charges would not be reimbursed for at least 5-7 business days after that. 

As a result of these charges, the rate reduction plan was cancelled and I was told to call back to make my XX/XX/XXXX payment and re-apply for the program. On XX/XX/XXXX, I contacted Navient in order to re-apply for the Rate Reduction Program I have been enrolled in for a year, and was told by the customer service representative that they, " do not offer any sort of Income Based Reimbursement Program for private loans ; it is only offered for federal loans. '' When I disagreed and explained that I had been enrolled in this program for the last year, I was asked to hold and nobody returned to my phone call. 

I have submitted a previous complaint to the Consumer Financial Protection Bureau regarding the initial monthly payment of over {$800.00} quoted in XX/XX/XXXX, and I am prepared to submit as many complaints that are required in order to resolve this matter. 

Please feel free to contact me at your earliest convenience with any questions or concerns.
Approximately 90 days ago, we applied for a simple refinance loan from Quicken Loans. With a credit score over XXXX we were told there should be no problems in processing this loan. We were told we were approved but since then, Quicken Loans has stalled and delayed for no known reasons. All documents have been given them. The original interest rate lock has expired due to their stall tactics and now they want to raise the interest rate and even if we were to agree they are unable to give a close date. They shuffle you from XXXX customer representative to another like some stereotypical car salesman. I paid them {$500.00} to cover the appraisal costs, but their stall tactics continue, in spite of their advertised promises. My desired solution is a refund of the {$500.00}. This company really should be investigated for possible violations. I will not do business with company.
In XX/XX/XXXX someone opened an account in my name. My mom called Capital One and we got everything straightened out. Whomever requested the credit card never activated it so there was never a purchase. We asked if I would have problems in the future if I decided to apply for credit card and we were told no. Here we are XX/XX/XXXX and I applied for a credit card and was approved. Capital One sent me my new credit card. I received a letter a day or two later from my previous address ( moved XX/XX/XXXX/XX/XX/XXXX ) and it stated that there could be fraud. So my Mom and I called and I was instructed to activate the card. So today XX/XX/XXXX I activate the credit card via the website and it will not allow me to activate, so I called. I was told by the first customer service person that there was fraud on my account and I needed to be transferred. I spoke with XXXX - Supervisor # XXXX and was told that I need to send in my drivers license, social security card and utility bill. I replied that I will send my DL but I am not sending my SS card and I do n't have a utility bill as I live with my parents. They asked for a bank statement and I replied I do n't have one. My parents pay my bill and they wanted me to establish credit. I asked for a manager. I spoke with XXXX and she explained that they system they use is encrypted, I told her that I did n't want to send my SS card via email as my Mom told me to NEVER do that. During the conversation I asked why then was I sent this credit card if I was not going to be able to use it. I asked this two different time and I was told because you applied. That is great that I applied and was approved but ca n't use the card because I ca n't give you all the pieces of information that you want? My drivers license has my old address, I will be moving for school is 3-6 months. I replied no I am not going to have my drivers license changed as this cost money and can take 4-6 weeks. I replied that my new address is reflecting on my credit report and how would I have received the card? I even told her that I received the letter you send to my old address and it was forwarded to my new address. I told her that I have all the letters that Capital One has sent me, I have my XXXX letter with my name and address or it. I can sent you a utility bill with my parents name on it. Nope none of these will do. Then why did you send me this credit card? I am upset that I wasted my time with applying, being approved with unrealistic conditions, none that were disclosed and the hour and 10 minutes that I spent on the phone with them to get this resolved with no solution. I feel like they said here you go, get excited your getting a credit card and then pulled the carpet from under me. My parents have preached to me to take care of my credit, be cautious and establish positive credit because this is the key to everything. Thank you Capital One for squashing me dreams on establishing my credit because at this point, I will not put myself through this again. This needs to be stopped.
We leased XXXX from the local dealer for 2 years and returned it several days before the end of the lease in prefect conditions. The local dealer failed to report on time the end of the lease to Nissan Motors Acceptance Corporation and reported it only 3 month later. As a result of that we have been hit with late charges and late payment was also reported to the credit bureaus. We have found out about that when we applied for the mortgage refinancing and our credit was pulled out. We have all the supporting document with us and both dealer and NMAC admit that the situation was created due to their negligence. However it was already two months since we contacted them and our credit score still not fixed, we continue to receive bills for late payments and nothing seems to be done. Every time we contact them during last two months they promise to fix it ASAP but it did not happen yet. We request your help in resolving this situation.
Under the new law effective XXXX 2017 any public record data must include name, address as well as SSN and DOB in order for it to appear on your credit file not to mention it should also be verified. XXXX  and XXXX has removed this incorrect information from my credit profile. Transunion has failed to update the information and per the new law true bankruptcy listed does not contain this information and should be deleted from my credit report.
I have gotten several calls from someone representing themselves as PRG. They claim that I wrote bad checks for a payday loan I did not take out and then claim that I never attempted to pay a company back, and threaten to serve me with papers if I do not pay them. They refuse to give me any information on this supposed debt or send me anything in writing, they just ask to conform my social security number and banking information.
To Whom It May Concern, My lender ( Chase ) issued me a short sale approval letter today and it expires on XX/XX/2019. This is ridiculous. There is no way that the buyers lender will be able to adhere to the TRID Guidelines. 1 ). The lender has to have 3 days to get the disclosure out to the Buyer 2 ). The Buyers Underwriter has to review and 3 ). Underwriter conditions would have to be cleared prior to closing. So, there is a reason that the TRID laws state that a lender has 45 days to close. I NEED HELP!!! The Short Sale Lender only approved the short sale for 4 days, which is unheard of. The are not only being unreasonable, but they also are not in compliance with the TRID Laws. I have done everything that i can to get this to happen, but if the lender refuses to cooperate, then i have no choice but to get you involved. Please help me.