WillisBack/dataset-financial-user-claim huggingface dataset:
There have been very many complaints, too numerous to list, but below is the most recent : I filed a Chapter XXXX bankruptcy, which included the mortgage company and it discharged on XX/XX/XXXX ( I have the subject property as my primary residence since XXXX ). My Chapter XXXX attorney was not aware the XXXX XXXX XXXX Bankruptcy Court oversees a " Loan Modification Pilot Program. '' I then filed a Chapter XXXX ( Pro Se ) on XX/XX/XXXX, in the XXXX XXXX Bankruptcy Court. My Chapter XXXX case transferred to XXXX XXXX XXXX Bankruptcy Court where the Pilot Program was ( and still is ) lodged. XXXX XXXX XXXX, XXXX ( XXXX ), is this Pilot Program 's manager. I enrolled and paid to part-take in the pilot program. XXXX has been great! I submitted my second loan modification to " Selene Finance, LP '' ( servicer for beneficiary : " XXXX XXXX, XXXX, Title Trustee for XXXX '' ) on XX/XX/XXXX ( the first one I submitted was in XX/XX/XXXX- Selene never acknowledged it ). XXXX XXXX said my XXXX XXXX package did not qualify because it was incomplete ( that 's not a reason to turn down a homeowner in CA ) in which XXXX can verify my loan package was complete. Then, again, for the 2nd time, I submitted a loan package through the XXXX Portal after the " Judge ordered '' the loan process to commence ; this time it was approved. A few days later then Selene said they made a mistake and it was turned down. 
Bottomline, I will be filing a Motion for various sanctions.
While my son was a student at XXXX University ( XXXX, GA ) from XX/XX/XXXX - XX/XX/XXXX, he took out XXXX Private student loans to help finance his education. These loans originated with XXXX XXXX XXXX XXXX, XXXX. and I am listed as the co-signer. Since entering into these original student loan agreements, these loans have been transferred/sold multiple times to various depositors/collectors seeking payment. XX/XX/XXXX, we received correspondence from XXXX - XXXX XXXX XXXX XXXX ( at the address of a relative where neither of us has ever resided ) requesting full payment of these loans. After learning of this correspondence, we immediately contacted this entity disputing that we had any type of loan agreement or arrangement with them and asked for the supporting documentation to substantiate their claim. At this time we provided them with our current address and telephone number ( which is the still same in present day ) as a means of contacting us with the requested information. To date we have yet to receive a reply from this entity. 

On XX/XX/XXXX I was served with a court summons where I am listed as the defendant in a civil court case ( lawsuit ) where National Student Loan Collegiate Trust XXXX is the plantiff seeking full payment for one of the previously mentioned student loan agreements. Upon further review of the court documents, I learned that this civil court case was opened XX/XX/XXXX with the documentation initially being served to an address that is not my current one, a different address from where the correspondence we initially responded to was sent. Upon asking for the requested information from the loan depositor/collector, we were then served with a lawsuit, a lawsuit from an organization that currently does not have any agreement in place with us as they have sold this loan ( investment vehicle ) multiple times themselves. In addition to this civil case, I have since learned that a total of XXXX civil court cases ( XXXX for each of the student loan agreements ) has been opened although only one has been officially served. The plantiffs in these other cases are National Collegiate Student Loan Trust XXXX and National Collegiate Student Loan Trust XXXX respectively.
My name is XXXX XXXX the past year I was a victim of identify theft when I found out that I had mostly XXXX card opened under my name all from different located and some from different states in that time i contacted every banks that supposedly had approved the cards to be open all of them went into investigation and later on removed all of them but XXXX account were already on the way to a collection company called Midland Funding LLC or MCM Midland Credit Management , Inc address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX I called this company and they told me the information I would need for them to be able to proceed into a investigator from there part and for the accounts to be removed I fixed XXXX of those account of the XXXX I had now I only have this last XXXX from XXXX Bank they been sending me cards to pay this debt but I not gon na pay something I did n't approve and that I did n't open in Midland Funding card has XXXX account numbers to see this account or maybe information number of account original XXXX and the number of account with Midland is XXXX thank you for your help please I would to see how I can fix this issue.
On XXXX XXXX 2017, I attempted to gain verification and validation of the debt via XXXX credit reporting bureau. To date, all I 've received was a bill from the original creditor. I do not have a contract with XXXX XXXX nor do I owe them any funds. However, XXXX XXXX is reporting negatively on my credit file. Ref acct. # XXXX
This auto loan contract is effective XX/XX/XXXX with minimum payments of $ XXXX/monthly. According to 4 different representatives at Ally, including XXXX, whom I spoke with XX/XX/XXXX at XXXX XXXX, any monies paid over the minimum automatically goes to principal. I made a {$50.00} payment XX/XX/XXXX & called Ally to have monies applied to principal ( I was already paid ahead through XX/XX/XXXX ), as I've been told by 2 representatives a phone call should be placed by the customer to ensure this. I checked the website XX/XX/XXXX, the {$50.00} payment was applied to principal & interest. I called XX/XX/XXXX & XXXX stated she'd escalate issue & have money reapplied, but as a result, my finance charges would double! She said number of days between payments determines interest, which I understand. Keep in mind, I paid {$50.00} on XX/XX/XXXX, and {$270.00} on XX/XX/XXXX. Payments were made back to back. How does Ally justify not applying all monies to principal, then stating I'd pay " a lot '' more in interest because I requested my extra payment to be reapplied correctly? Ally made an error in misapplying payment. 
On XX/XX/XXXX, I spoke with supervisor XXXX at XXXX XXXX, who stated any monies paid over the minimum would automatically go to principal. Ally isn't allowing me to pay down the principal balance without assessing me interest, even though I'm paid ahead until XX/XX/XXXX. I understand interest accrues daily, but if I'm paid up to date, there's no reason I should be charged double interest because I choose to pay down principal. XXXX stated that even if Ally reallocates {$50.00}, it won't change my principal balance because double interest will be tacked on to the next payment that I've already paid! Ally is making it almost impossible for the customer to pay down the loan sooner, and will not own up to it's mistake of misapplying a payment.
Hello, I had a terrible experience with Citi Bank. 

I opened a checking and savings account based on a promotion about 6 months ago. The promotion involved depositing {$15000.00} into the accounts, keeping the funds for 60 days, and receiving {$400.00} 90 days after those 60 days. Within the past 6 months, I have been calling Citi several times to make sure that I qualify for the promotion. Every time, Citi has confirmed that I qualify. I called in XX/XX/XXXX to make sure I completed the needed activities ; I called in XX/XX/XXXX to make sure I will receive the bonus in XX/XX/XXXX ; and, after not receiving the bonus in XX/XX/XXXX, I called XX/XX/XXXX - during all of the calls, the Citi representative on the line confirmed that I qualify for the bonus. However, during the last call, on which I spent over 50 minutes on the phone, Citi refused to transfer the bonus and informed that I do not qualify for the bonus as the {$15000.00} was not transferred in time. Citi also told me they emailed me on XX/XX/XXXX to explain that lack of qualification, but I do not have any emails from Citi from that date. 

I was lied to by Citi for the past 7 months, as a result keeping my money with them instead of investing it elsewhere. If I had invested in a high yield savings account, I would have accrued at least {$150.00} off that money. I also could have invested in other checking accounts with similar promotions, which would have resulted in more than {$150.00} returns. Instead, I am left with wasted time, frustration, and lost financial opportunity. I have spent over 3 hours collectively on the phone with Citi trying to resolve this. Citi representatives have been less than concerned with the problem and the potential loss of a customer. 

This kind of behavior and low ethical standard are not acceptable for a leading financial institution. 

Thank you.
A little over a month ago I had my first ever fraud committed on one of my credit card accounts. I did n't know how they got the information at the time, but I spent a great deal of time sort the issue out. Now I know it likely had to do with the Equifax data breach, and event which I was not notified of and could take no action. 

Equifax mishandled my information which has led to a breach that likely caused fraud on one of my accounts and has the potential to put my financial standing at risk. I am extremely disappointed with how Equifax has handled reporting this breach, as I had no knowledge of the breach until it came out on major media platforms platforms this week. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discovered it via social media. 

Going forward Equifax should be required to monitor every breached account and notify any victims if fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with on a hastily prepared website. Additionally we should not be forced to accept the terms from a company that unintentionally released the data of millions just to fix the potential life-altering consequences of this breach.
I am trying to remove a cash balance from my Coinbase account - USD Wallet. My bank is n't listed in their list of banks. Ca n't contact support because they are on some sort of crisis mode and my problem is not listed on their priority list. Went through all the automated support options to no avail. It is under {$10000.00} so I can not do a wire transfer. They took their fees and all I am getting is a wall. Just want my money in my hands.
I saw fraudulent charges on my Citi credit card statement and immediately called Citi to tell them about the fraudulent charges. There were two charges that were made on my account to XXXX on two consecutive days. The first charge was made on XX/XX/2018 for the amount of XXXX. The second charge, was made on XX/XX/2018 in the amount of {$110.00}. I have NEVER ordered anything from XXXX and when i called Citi i was transferred to a customer service department in XXXX and no one could understand what I was trying to tell them. I had to make them cancel my card because I told them someone had made fraudulent charges on my card. 

I got a letter from Citi saying they would investigate. They investigated and said the charges from XXXX was valid because the merchant said they were delivered in XXXX Florida!!!! I do not live in XXXX Florida and the merchant said the items were received by someone named XXXX XXXXXXXX!!! Last i checked i do not know anyone by that name! nor do I know anyone in XXXX! So, Citi card is trying to make me pay for the charges that I did not authorize, and I am highly upset because I shouldn't have to pay for fraudulent charges! I have been a Citi customer for 23 years and I have never had a problem like this before. I know what I charge to my card! If i had made those charges I would not have called and reported it as FRAUD! Please help!!!

Citi did not do a very good investigation. There were a lot of red flags that all point to fraud, and they have sided with the merchant because the good were delivered. So what if they were delivered! They are fraudulent! There was also an email on the merchant statement from the person who stole my credit card number and it says : XXXX This is not my email address! and with an email with that name, seems like something only criminal would create! 

So someone stole my number, ordered from XXXX, had the items shipped to XXXX Florida and signed for it by the name of XXXX XXXX! Also, they ordered a pair of tennis shoes and SEVEN pairs of some slides! i should not have to pay for these charges!
I have a car loan with Mazda Capital Services ( serviced by Chase ). My minimum monthly payment is {$290.00}. I have paid, from the beginning of the loan on, {$300.00} each month, with the expectation that the {$9.00} paid over the minimum monthly payment amount be applied towards principal on the loan, reducing the principal for the remainder of the loan, and in effect also reducing the interest for the remainder of the loan. 
Upon reviewing a monthly statement from Chase, I came to the realization that Chase has been applying the monthly payment overage to the following payment by default. 
I contacted Chase on XXXX/XXXX/2016 at XXXX XXXX XXXX, and spoke with a representative by the name of XXXX XXXX I explained to XXXX that applying payment overage to the next monthly payment coming due is not in the best interests of the consumer, as it effectively cheats them out of the reduction of principal and in effect, reduction of interest the consumer would see for the rest of loan. 
I asked XXXX to reapply my payments retroactively so that the overage from the first payment made on the loan on has any amount paid over the minimum monthly payment amount applied to principal, in effect reducing the interest paid from date the payment was made on, due to the reduction in principal that occurred on the date the payment was made. 
XXXX stated she could only reapply the amount paid towards the next payment currently coming due to principal. 
I explained to XXXX how doing that would reduce the principal as of today, and in effect reduce the interest paid on future payments from today on, but would, whether intentional or not, effectively cheat me out of the reduction in principal and interest I would have seen had the monthly payment overages been applied retroactively from the first payment made on the loan on, as I had requested. 
I insisted XXXX honor my request and have the payments reapplied as I requested, retroactively, and asked to speak with a supervisor. XXXX advised me that she would have a supervisor contact me in 24 hours. 
I explained how I feel that a business open for business should have a supervisor available when I call in, stated I am willing to wait on the line to speak with XXXX, and that is unacceptable to have XXXX call me back in 24 hours. 
I work XXXX jobs during the week, and called on a weekend because this is when I have the time available, and see the call back as a way to prevent me from following up and resolving this issue. 
Ultimately, XXXX agreed that her only option would be to have a supervisor call me back in 24 hours, so I am unable to wait on the line to speak with a supervisor to resolve this today, not due to my own decision, but rather due to Chase 's choice in how they do business.
The amounts applied to principal and interest vary widely each month. 
For instance In XX/XX/XXXX - {$140.00} to Principal and {$91.00} to Interest In XX/XX/XXXX - {$23.00} to principal and {$210.00} to interest This has continued every month for years. And the lender customer service rep will not or can not explain why and refuse to help me understand or resolve. The loan has not been paid late is not in default. And has always been in good standing. Univ XXXX - XXXX program Stafford loans subsidized and unsubsidized
Back in  XXXX ,  XXXX  we had open up the custodian account for   XXXX   of my children checking and saving a t CitiBank as sa me time we also open all our account and there were never a account service charge to the kids account during those years we did see some months was charge and it was waive and taking out and some that was no charge but starting back in  XXXX  the bank starting to charge from the custodian and in same it drain out the kids account money in there and these are kids that same for the college money we never did receive any of the statements during those charging months not until the bank send us notice that we need to deposit in the custodian accounts so that the services fees can be clear, that is when we found out that years of been open  XXXX  of our custodian account has the bank been stealing from my kids account. make the matter worse that they are not will to work and refund our children money back an in same even challenge of my caring for my child money and their saving. Again these checking and saving account are custodian kids account under age and i am teaching the to same their money from Birthday,  XXXX ,  XXXX   XXXX  and more that we gave them to deposit to same up for there future and here there bank been stealing from them every month for the pass 6 years at {$30.00} per month in 12 month equal to {$360.00} per year and in 6 years that is the sum of {$2100.00}. All this done to the kids account whose are now just turn    XXXX   and   XXXX   years of age. I hs been try to reach out to Citibank and none seem wanting to help I then close the checking accounts from   XXXX   kids and now to them the account is close to preventing the account to be charge this coming month and by this Citibank are no t will to help claiming the account been close and nothing they will or can do. I do not understand since the kids saving is still active and all out our banking are all still operating. I am reaching out for help calling and asking for help for   XXXX   of my daughters to help get their money back from cro ok Citibank charge on  Custodian
To Whom It May Concern : Clarity services inc I have noticed that you have placed an inquiry on my XXXX credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an  entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

XXXX report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; '' *****https : //www.consumerfinance.gov/XXXX*****
This complaint stems from the original CFPB Complaint # XXXX. The original complaint was prematurely closed after XXXX responded. 

As of XX/XX/XXXX my cosigner and I of a private student loan taken out around XXXX, settled a defaulted student loan. I made sure that both I and my cosigner received an email of the settlement agreement and were told by XXXX 's agent ACT ( collection agency ) as of XXXX, the account was listed as settled in full and closed meaning it was sent back to XXXX to update on both of our credit reports among other things. However, XXXX still has the account status listed as a charge-off. Additionally, on XXXX 's student portal through my account overview, it is listed as behind in payment. It has been more than 45 days and XXXX refuses to uphold the terms of our settlement agreement. ( See attachment : Updated XXXX Settlement Agreement ). 

A settlement agreement was made by XXXX 's agent with " actual authority, '' and it has to be honored. I am still being adversely affected credit wise while XXXX has accepted payment in consideration for settling this entire private loan. Moreover, under the original CFPB complaint # listed above, you will find that XXXX concedes to receiving this payment in its response but continues to state that it will remain on our credit reports until paid-off, in what world is that a settlement? I responded by questioning this statement because the language in our settlement agreement and our intent was to settle the account in full, not payment in full, meaning " One, Single, Final Payment '' to be done with. 

According to XXXX 's standard, settlement agreements are just a payment arrangement. Wherein the American justice system a court would read within the four corners of this agreement and find express language that no longer holds me or my cosigner accountable monetary wise for this private loan. 

Nevertheless, to continue to report the status of the loan as a charge-off, and behind in payment would be '' inaccurate '' and a violation of the Fair Credit Reporting Act which carries {$1000.00} penalty per occurrence. 

Further, I am alleging that XXXX entered the agreement with " bad faith '' as it had no intent on holding up its end of the agreement instead it thought it could deceive a student into making a payment and continuing collecting the full balance. Fortunately, I received the settlement agreement via email before the account was sent back to XXXX as " Settled in Full. '' I have attached all of the documentation as well as a recorded call that confirms that this account was sent to XXXX as " settled in full '' and closed.
In XX/XX/XXXX I filed a Bankruptcy Chapter XXXX, this debt was included as part of the case. On XX/XX/XXXX XXXX  filed a Notice of Assignment of Claim and Transferee Notice of Transfer of Payments. From XXXX XXXX  XXXX AES/PHEAA/AMERICAN XXXX SERVICES TO XXXX ( XXXX  XXXX XXXX XXXX XXXX A JOINT NOTICE OF TRANSFER OF CLAIM PURSUANT TO FRBP RULE 3001 ( e ) ( 2 ) AND WAIVER OF OPPORTUNITY TO OBJECT was also filed. On XX/XX/XXXX The ORDER OF DISCHARGE was granted to XXXX XXXX and XXXX XXXX. on XX/XX/XXXX and XX/XX/XXXX I started to receive letters demanding payment for this discharged debt. My husband has made a number of calls to them and had our Attorney who handle the BK call and sent them copies of the Assignment and Joint Transfer. We also sent them a copy to which they replied back on XX/XX/XXXX acknowledging that the loan has been paid off with a XXXX  balance. Between XX/XX/XXXX and XX/XX/XXXX AES sent me a new monthly bill and reported a 30 day late to the credit reporting agencies dropping my score by 65 to 80 points.