WillisBack/dataset-financial-user-claim huggingface dataset:
The XXXX Chase credit card is marketed and advertised on the XXXX website as a 0 % apr card. And it was till randomly now, 2 months after I got it. I got it last XX/XX/XXXX. Made about {$500.00} in purchases. The first month after- as promised no fees. The second month after - not only was there interest accrued, but they also XXXX   out my over XXXX promotional points that I was going to use toward the balance. I dont even get why they got rid of that. There was NOTHING about if you dont use the points within a certain amount of time you lose them, OR about interest being accrued after only 2 months. Maybe in microscopically worded fine print I got a month later- but not at the original e-signing or wouldve never gotten this card if they wouldve been up front about any of this.The guy on the phone said I must have gotten the interest charge due to buying something not on XXXX   which is impossible. I closed the card as soon as I got it in the mail and only used it online. In short- I demand my promotional points back and interest taken off. I wouldnt have gotten this card either if I had known it was Chase since theyve defrauded me in the past- thats how little they tell you at the e-signing.
Conns company continues to call me XXXX times since XXXX XXXX to XXXX XXXX, when answer it 's either no one or a recording. Then they started calling my brother who 's number was never listed as a reference or anything on the paper harassing him. The account was not even XXXX days past due!!! When I contacted them to tell them not to call or bother my brother they lied and said they did n't and that phone did n't exist in their account then they kept calling and he told them that the number they were calling was n't mine.
Chase is moving forward with a foreclosure sale on XXXX XXXX 's home despite the fact that her loss mitigation review remains pending. Dual tracking is a violation of Regulation X, 12 C.F.R. 1024.41 ( g ).
Dear Sir/Madam, I found a fraudulent charge on my savings account when I was looking back the transaction history on XX/XX/XXXX. I found one of my personal check was used by someone whom I don't know for XXXX $ on XX/XX/XXXX in XXXX XXXX XXXX, XXXX. 

The check was cashed to " XXXX XXXX XXXX XXXX '' XXXX XXXX XXXX  The check payee name is : XXXX XXXX I XXXXontacted my bank ( Bank of America ) as soon as I realized this fraud and raised complaint on XX/XX/XXXX. They took 90 days to investigate and told me today that they can't process this request as it is beyond 60 days from the date of incident, as per bank policy. 
So I am raising this complaint to you. Kindly do the needful. 

Please let me know if you need any further details.
I had investigate XXXX XXXX XXXX XXXX credit card. After 30 days of this creditor being investigated through Equifax the item was deleted. I just check my credit reports through XXXX XXXX and it 's showing New Accounts Reported Since your last update on XX/XX/XXXX, XXXX accounts have been added to your credit report. 

AccountTypeDate OpenedCredit LimitBalanceReported ByXXXX XXXX XXXX XXXX XX/XX/XXXX {$25000.00} $ XXXXEquifaxXXXX/XXXXCredit CardXXXXN/A $ XXXXEquifax These accounts were deleted!! #
This account is not being reported on my XXXX credit report and it 's affecting my credit.
Ocwen 's letter dated XXXX XXXX, XXXX CFPB case # XXXX responded that they acquired the loan from XXXX XXXX/XXXX/XXXX and that loan originated XXXX/XXXX/XXXX by The XXXX XXXX XXXX. Ocwen further stated that they had mailed 'on numerous occasions ' copies of the stock certificate '. They also stated that original documents were kept by the owner of the loan or trustee for the owner of the loan and that Ocwen did not have the original documents. 
Ocwen in the same letter attached a copy of a pooling and servicing agreement between XXXX XXXX and XXXX XXXX XXXX XXXX listing XXXX XXXX as the investor. 
However, in his latest response, they are now stating that they are issuing an affidavit of Lost stock and lease (? ) How is that possible if they were saying that all they had were copies and original documents were with the owner of the loan (? ) investor?? 
The pooling agreement Ocwen mentioned in his letter above, was never part of his files. Records obtained from Ocwen which included over XXXX pages of documents included no such agreement. Instead, copies of XXXX affidavit of note lost was included which had been transferred to Ocwen as part of the servicing transfer. Multiple associates established the same conclusion. Also, how is that Ocwen produces a pooling agreement between XXXX XXXX and XXXX XXXX XXXX XXXX when neither one of them had been part of the Co-Op conversion nor, again, of their files?. Furthermore, Ocwen first refers XXXX XXXX as the property management and then as the investor. Investors, as far as I have been informed DO NOT get the original loan documents,,, the loan owner gets it and the banks are required to keep them in custody. 
Per document attached. A record of events as recorded by Ocwen, they did have the collateral file, reviewed it with investors and then returned it to XXXX XX/XX/XXXX ( custodian ). Why did Ocwen state then that they did n't have the collateral documents and why are they now issuing an affidavit of loss documents? if, again, they originally stated that original documents were never with Ocwen (? ) Why did they return the collateral files to custodian and then claim that they had lost it?
It all Started when I was granted a modification in the summer of XX/XX/XXXX with XXXX XXXX. 
I made all 3 trial payments to XXXX XXXX but lost the modification because they did not receive the paper work on time. 
I called XXXX XXXX to beg for my modification to be honored but I was denied and told to re-apply. I re-applied in XX/XX/XXXX I was timely with the documents that were requested from me. Oddly though, The documents would sit with XXXX XXXX until they were expired and I had to re-send the documents over an over again until I submitted a complaint with my single point of contact 's manager in XXXX. They apologized and promised that everything they had was enough to be reviewed. A month later I receive a letter stating that my loan was sold to SLS effective XX/XX/XXXX. I called XXXX XXXX and asked what was going to happen to my application on file, I was told that decision for approval was pending and when I was approved for a modification, I would have to send my payments to SLS. 
When XX/XX/XXXX arrived I called XXXX XXXX. they said they had no record of a decision and to contact SLS. 
I contacted SLS, I was told that a packet was sent out to me to fill out for a loan modification review. I sent the application back as soon as I got it, XX/XX/XXXX. 
On XX/XX/XXXX, I was denied. I was told the reason for denial was because my investor, XXXX XXXX, did not approve granting me a modification. How is it that when my servicer changes, all of a sudden XXXX XXXX has a change of heart? I have the same investor just different servicer. I believe my loan was sold for the banks personal financial gain. XXXX XXXX prolonged my review just to have enough time to wash their hands of my loan. Now, I am in foreclosure without a home retention option, all because of the race of time. I never received court documents or proof of foreclosure. 
I am a senior citizen, where do they expect me to live?!
I just switched over to XXXX last month since I was not pleased with Navient. 
I had XXXX and then Navient since 2006. The loan was settled by XXXX Last month. 
I called them a few times about the Income Driven Plan but each time I was guided towards the forbearance. I now believe they were wrong and did not take the time to help me. How would they know my need without even giving me the chance to apply.
We are currently delinquent on our Mortgage and are in Final Stages of Approving a Short Sale. With our financial troubles we went to refinance our auto-vehicle to reduce the interest rate and were advised that our Mortgage  Lender  is reporting Foreclosure Status. This home has never had a Foreclosur e Sale Date (  it should only be reporting as delinquent ) This predatory report of inaccurate information is now hindering efforts.  <P/> Our Bank said they could have refinance with us being delinquent ( which is correct ) but now can not due to it stating it is a Foreclosure. This home has not Foreclosed and has never had a Foreclosure  Sale Date on Calendar.
I submitted my income based repayment certification through studentloans.gov. Loans serviced by AES were decertified with no issues. XXXX asked for more information, which I sent. After two unanswered emails about the status of my recertification, XXXX said they needed another document. I sent it and my recertification was approved for the amount of {$140.00} per month. However, my bill for XXXX was posted and it is for {$450.00}. I have emailed XXXX twice about the issue and have not received any response. I can not call because I have XXXX and do not have a XXXX. I have not yet paid the bill because I can not afford to and I dont want to mess up my qualifying payments for PSLF.
US Bank has not honored its XXXX XXXX XXXX contract and not posted the XXXX points promised after the spend was met. It is nearing 6 months since the points should have posted, and multiple phone calls have yielded a whole host of excuses as to why the points were not honored, including glitches, confusion over XXXX XXXX XXXX, and even a bug where statements were n't generated ( all untrue ). The most recent phonecall was the most brazen attempt of avoiding fault, with representative XXXX ( id XXXX ) went so far as to demand additional spend on the car beyond the XXXX XXXX XXXX in order for the points to post.
I HAVE ALOT OF INQUIRIES ON REPORT THAT ARE NOT MINES NOR DID I AUTHORIZE. I HAVE also submitted XXXX for user accounts still on credit report. I ALSO HAVE SUBMITTED FTC ID REPORT FOR ITEMS THAT SHOULD BE DELETED. 

XXXX XXXX ACCOUNT SHOULD BE DELETED AS WELL SINCE COMPANY SOLD MY AGREEMENT.
OnXX/XX/XXXX, my family and I were stopped in a rest area in Connecticut when we were on our way home to Maine when I was accidentally stuck with an epi-pen. An ambulance transported me to a local hospital where I was examined and released. Later, I received a bill from a California company ( XXXX XXXX XXXX ) for the ambulance ride which was close to a thousand dollars. I hesitated to pay the bill. I was contacted by a credit collection agency. They settled the bill for a smaller amount, which I paid, believing the matter was closed. Subsequently, I heard from another debt collection agency, which may have been Phoenix Financial Services LLC but I do n't recall. I contacted them via telephone and told the agent that I had already paid the debt through another debt collection agency, therefore the information regarding my alleged debt had likely been fraudulently proffered to them, and I heard no more about it. This XXXX was when I received written communication from Phoenix Financial Services LLC, representing XXXX XXXX XXXX XXXX who evidently are located in Virginia but also have an office address in XXXX XXXX, New York, which was on the back of their payment demand. The BBB has collected numerous complaints about them. I have listed some of their addresses below, which I found on the internet. XXXX XXXX XXXX XXXX 7 years in business XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX And : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia ( XXXX ) XXXX Phoenix Financial Services LLC is asking me to pay them {$XXXX} which is likely the original bill for the ambulance. They have sent me two paper debt collection letters, one in XXXX and the most recent this XXXX. I have been combing over my bank statements to find the original debit of payment which I likely made some time between XXXX and XXXX, but have not found it yet. It was a debit/credit card payment which I made over the phone, which I suspected was with someone beyond the continental U.S. due to his accent. Thank you for your assistance and support in this matter. Yours truly, XXXX XXXX
My name is XXXX XXXX I have been asking navient for a better monthly payment. The amount they bill is to high, can not pay that much. I graduated last XXXX 2016 I have not found work yet but I have been XXXX and I have send them my pay stub and tax papers my husband has not worked for the past 10 years. it looks like they are giving me a run around, please see if you can help in this matter I would appreciated XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Sent from my XXXX
Around XX/XX/2018 I began discussions with XXXX XXXX, Branch Manager at Huntington Bank regarding opening a Business account to service my clients in Michigan. I reached out to the XXXX XXXX Branch of Huntington bank and began discussing the type of business I own and operate along with any and all requirements we would need in order to make sure the bank was willing to accept us as a client. I answered and provided all information requested by the branch manager, treasury manager, XXXX XXXX, and community manager, XXXX XXXX who assured me that there would be no problem opening my business account provided I set up a vault service. I was advised, given pricing, and contact information regarding " Huntington Vault Service Pricing and info '' which is an armored currier service I was told by Huntington would have to be set up in order for us to have a banking relationship. At the sole direction of Huntington Bank and for NO other reason, I reached out to their contacts, signed an agreement, and set up a Vault service for my account, which costs right around {$150.00} per month. I then flew to Michigan, in order to open my bank account and begin the relationship with Huntington. Longe story short, for NO reason, Huntington decided they did not want to honor anything I was told by their representatives, they would not allow me to use the Armored currier, they also would not allow me to withdrawal the funds I needed in order to operate my business. I lost and wasted time and money being lied to by a financial institution. I had to partner with a different bank in order to continue operating my business while Huntington took ZERO responsibility for the damage they caused. They are also requesting that I continue to pay the {$150.00} per month fee I'm being charge by an armored currier service and WILL NOT compensate me or pay the fee that was initiated at there demand for banking services. I feel they owe me at least that for the time, energy, and money I have wasted and been set back due to their negligence. Another example of big banks taking advantage of small business owners and consumers alike.
- XX/XX/2018 Tried to place a security freeze with - XX/XX/2018 Received response from Early Warning stating that since they are a specialty agency that they don't have to place freeze - Sent a dispute for various accounts dated XX/XX/2018 have yet to receive a notice or results or an updated copy of report
She said I 'm under final legal review and will give you a state mandated notice of intent. Should you wish to face your accuser and have a right to give your personal input. The lady that called said her name was XXXX XXXX.
I have banked with Chase bank since my accounts were with Washington Mutual and when I went to check the activity on these accounts on XX/XX/18, I had to call in to get a restriction taken off. I was informed that my accounts had been shut down and that Chase no longer wanted me as a client. I have never been over drawn in any of my 3 accounts ( 1 checking, 2 savings ) and never received a warning of any kind that there was an issue. I also have 2 college savings accounts set up through Chase along with 3 credit cards with Visa that I now no longer have access to check activity to. I was not given a reason for the cancellation and I am now very concerned that I may have had my identity stolen. I have since closed those checking and savings accounts and opened new ones so I am not necessarily looking for reinstatement, just some more information or at least why I was never given any notification about the closures. I would also like to have online access to my credit card accounts reinstated.
I currently have a student loan that is being serviced by Fed Loan. Upon receiving notification that the loan was due, I immediately filed for a forebearance, which was granted. I recently looked at my credit report and noticed that Fed Loan had reported my account as being late for 120 days. This is untrue because when I received notice that my loan was due I immediately requested a forebearance. If I had already began making payments and then started making late payments then I could see late payment entry being reported to the credit bureaus. I never received any bills stating that I was late or in default.
This complaint is about XXXX credit card. I have been faithfully paying amounts exceeding the amounts due every month and was nearly complete in paying the credit card. This month I looked at the statement and 100 % plus some of the existing balance had been charged to the account. They are charging multiple fees for the same description within days of eachother. The fees are classified as adjustments and finance charges rolling from " promotional to rolling '' and were charged in XXXX 2017. I never receive communication regarding the assessment of these fees which would have enabled me to close the account sooner. This company is also routinely raising prices prior to sales and then presenting false hooks tag sale offers which exceed the prices prior to price hikes. I have notified the company that I would be reporting these issues to CFPB. I am seeking restitution for the {$330.00} in fees, but I strongly feel it is important to inform other consumers of their practices. Thank you.
I opened an account with Capitol One 360 in XXXX. The account was opened with a {$25.00} deposit with a {$25.00} dollars overdraft limit. On XXXX XXXX, XXXX my husband and I purchased a time share. I provided the resort with my debit card number with the intent to transfer {$100.00} into this checking account by XXXX XXXX, XXXX, first payment due date. However, my husband and I cancelled the timeshare due to fraud and misrepresentation. I was advised by my attorney to cancel my debit card to avoid any further charges, so I cancelled the card. With a {$2.00} balance in my checking account, The time share company debit my card for {$100.00} causing my account to be {$98.00} overdrawn on XXXX XXXX, XXXX. I disputed with the charge Capitol 360 under the grounds of fraud and misrepresentation by the timeshare company. I lost the dispute. I asked the bank representative why did they allow a {$100.00} charge to go through when I had only {$25.00} overdraft protection. They told me they still allow certain charges to go through such as gas etc. I attempted to buy gas with this debit card over a year ago and the transaction declined. I have attempted to further dispute this with supervisors and gotten no where. I received an email from the escalation department stating that I can no longer dispute this item. I feel that I should not be responsible for paying this charge when there was an overdraft limit of {$25.00}. I attempted to close the account, but I was told that I could n't until I paid the pending overdraft charges. This account is constantly accurring interest.
During this time period I had always had medical insurance. I should have never been charged for any health bills. I called debt collectors and they said not to worry about it. None of this was placed in writing and now they are claiming I owe them money when I was covered.
I am a victim of identity theft. The accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
I repurchased my home in XX/XX/2010 through XXXX XXXX XXXX. The purchase itself was for {$190000.00} and an additional {$65000.00} to make needed repairs to the property. Bringing the total borrowed to {$260000.00}. After the work began on the property it was determined that the {$65000.00} was not enough to complete the repairs needed. The amount needed for the repairs was closer to {$80000.00}. The {$190000.00} purchase price was derived from XXXX  specifying to the servicer what amount of repairs needed to be made and the purchase price was discounted by that amount. Initially XXXX said that they had to pick their own contractors. So I obliged. The work was never completed and they used poor quality materials. I completed some of work through my own funds. The rate XXXX   charged me at the time was 5.50 %. Recently, I tried to refinance my loan through XXXX XXXX XXXX at a 3.25 % interest rate. I was approved for the loan. I ordered a payoff from XXXX the servicer for the XXXX loan. After the closing when XXXX XXXX requested the releases is when XXXX said that I owe them {$120000.00} in addition to the payoff figure. I knew that I would have to pay back XXXX some funds. But, I did not know how much. It is not even stated in the documents in the registry that there is money to be paid back. Which is why when XXXX said that I owe an additional {$120000.00} everyone was taken by surprise. I have no issues with paying some money. But, I object to the {$120000.00} figure because it is not fair. The repairs that made with my own funds are not taken into account of the payoff figure. I tried to subordinate the loan and XXXX declined. I understand and I appreciate what XXXX did by allowing me to repurchase my home. However, after paying on time for so long and finally being able to refinance it seems punitive that I am not able to refinance my loan or even come to an agreement that will allow me to pay them over time instead of in a lump sum. I feel like XXXX  appears as if they are willing to help. In the meantime I think they are trying to take advantage of the disadvantaged people like myself.
I submitted disputes to the credit bureaus XX/XX/2018 I have not received responses as of this day. If they were sent please resend. This violates the CFPB regulations.