WillisBack/dataset-financial-user-claim huggingface dataset:
this is an on-going problem with this company. I live in a XXXX XXXX XXXX and if the lot rent is not paid by the XXXX - their late fee is like {$100.00}. My mortgage late fee is {$5.00}. 
I only get paid twice a month so I paid the lot rent on my first pay and the mortgage on the 2nd pay of the month. I never go over 30 days. I email an ACH authorization form over in the beginning of the month telling them which day to deduct the money. 
no problems until recently when I noticed a couple months ago the money did not come out as scheduled ( always a Friday ) I had to call and they had to search for it and get it processed. Then this month I sent over my authorization form telling them to deduct the money on XX/XX/XXXX ( 2nd pay of the month ). they did it today causing my account to overdraw and cost me {$50.00} thus far. I called and no one is available to speak to. 
Since they were not authorized to draw money from my account until the XXXX what course of action do I have?
On Friday,  XXXX   XXXX , I went in to the  XXXX  downtown branch of Bank of the West to close my checking and savings account. I had incurred charges on this account the day prior, despite not having overdraft protection. The account was in the negative ( approximately - {$220.00}  ) for about 1-2 days. I paid the banker the balance to brin g the account to  XXXX . I paid in cash and asked him to close the account after it was brought to   XXXX  . The banker gave me an excuse saying that he could not close the account for some reason, but failed to state exactly what that reason was and what policy and/or law he was adhering to. I told him that I wanted both accounts closed that day.     On Monday,  XXXX   XXXX , I emailed  XXXX  asking about the account, to ensure everything was closed. He emailed me back saying that there were more charges on the account, from automatic payments that I had set up previously.     I was charged {$35.00} for the overdraft and paid all charges on the account, today,  XXXX / XXXX / 2017 . I do not understand WHY a bank would allow any further charges on a closed account. When a customer asks to close an account on a specific day, not closing the account means more ways to collect on bank fees. Not closing the account when I asked helped the bank become unjustly enriched.     I am very upset with the Bank of the West, their behavior is egregious, predatory and full of non-disclosures. I would like to recover the {$35.00} that my husband paid today to try to close the accounts I had.     My husband was told that even though we want to close the account, more charges could be applied to the account. This is an unacceptable excuse and I believe it is in violation of several laws as well in violation of the covenant of good faith and fair dealing.
I was denied a HAMP modification based on an income of {$2600.00}. I do not see where or how Shellpoint came up with this income when I provided Shellpoint the documentation reflecting my monthly income to be {$4800.00}. I receive {$1500.00} in XXXX for which I 've provided an award letter and a check stub from them. I also provided my pension award letter which I get as a monthly amount of {$1900.00}. My son is a contributor since my husband, his father passed, and he contributes {$1300.00} monthly to my household income. I have also provided Shellpoint his paystubs and contribution letter. Shellpoint has all the information necessary to reflect my income being {$4800.00} yet they came back with a much lower gross income. I can not afford to lose my home because of negligence. Please help me stay in my home. I have never ever been late on a payment up until now. I need my loan to be modified! I need Shellpoint to help me!!! I have every intention necessary to pay off my loan and pay it on time with a new principal and interest mortgage payment. I have the history to reflect that I have done so all these years so far.
I have no idea who XXXX XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX XXXX is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ XXXX  XXXX  } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
I have questions about the accounting transparency of both my previous and current loan servicers ( XXXX and XXXX, respectively ), regarding the way my payments are being applied to the balance and interest of my loans. 

In XX/XX/XXXX, I was informed that the servicing of my Federal loans was to be transferred from XXXX to MOHELA. I had been having some serious concerns about the way my payments were being applied by XXXX, and was unable to get satisfactory explanation either from their website, or via phone. When I found out that they were going to be transferring the servicing, I immediately emailed them ( via their website, as you ca n't send them a standard email ) requesting written statements, showing my payment history and how those payments had been applied, for the period that they had serviced my loan. 

Their reply : " Due to the transfer, the information you requested is no longer available ... Please contact MOHELA. '' So they suddenly are no longer required to give me records of what they 'd been doing with my payments ( over {$500.00} a month! )? 

I then contacted MOHELA, and requested that they mail me my records. Their reply, as of XXXX XXXX, XXXX : " We have submitted a request to XXXX to have my prior payment history generated. Please allow 7-10 days for this request to be processed and sent to you. '' I have now emailed and called MOHELA multiple times, and have yet to receive my records, as of XXXX XXXX, XXXX. 

Of note : the last time I spoke to a MOHELA representative, she told me that the company had taken over the servicing of something like XXXX loans from XXXX, and about XXXX of the borrowers had also requested their written payment histories. 

I am making full graduated payments on my loans, and when I checked the balance yesterday, it had somehow risen over {$7000.00} since I last viewed it a couple months back. As I said, I am sending them well over $ 500 monthly, and I would like an explanation of where my money is going.
Synchrony Bank was the Bank that provided loan for the 'Car Care One ' Account I had opened to charge my balance for maintenance work on my car at XXXX in XXXX , TX . 
I have been paying Synchrony Bank through automated payments from my Checking Account. I was getting an automate call from the bank itself ( and never has it been identified in the call that there was 'collection issue ' or my account is 'delinquent ' in all the calls - almost every month on XXXX to date ). I was under the impression I was regularly paying my bill from my checking Account and my payments were all going towards my principal debt. I got suspicious today that the debt was taking too long to pay-off and when I got the call today ( XX/XX/XXXX ), instead of the regular 'automated pay ' option I was using, I selected the option to speak to the Representative and then on further discussion with her, I got the rude shock that they have been charging me a 'late fee ' of {$25.00} every alternate month without my Knowledge and to my chagrin I found that out of the {$57.00} payment I was making through these automated payments from my checking Account, {$25.00} was going to the " Late Fee ' and only the remaining {$32.00} was going towards my " actual payment + interest ''. 
In Total in XXXX to date, the Late Fee Charged : {$130.00} By Misleading me this way, Synchrony Bank has been racking up 43.85 % of my payments ( 25/57 * 100 ) towards 'Late Fees '. They could have clearly indicated to me in the very first automated Call I got in XX/XX/XXXX or even before in XXXX that it was a 'Collect Call ' and these calls were not for 'regular automated Payments ' but because somehow I was late on the Account. I would have setup online automated payments toward my account a different way, the way I normally pay all my other credit cards. But by misleading me this way, they deliberately seem to be indulging in this practice so that they can just get almost 44 % of my payments towards " Late Fees ''. 

My Account # is XXXX. I had an outstanding balance of {$200.00} today morning and I made another {$60.00} towards my monthly payment of which {$25.00} was towards another late fee and only {$35.00} was towards my outstanding balance of {$200.00}. I was VERY Upset and wanted to Pay-off the whole outstanding balance of XXXX and close the Account but I did not do that as I wanted to register this Complaint and was apprehensive my complaint may not be actively adjudicated if the Account is closed. I will be paying regular payments directly ( not thru Synchrony 's automated Call ) and will keep the Account open so that this Complaint can be actively investigated thru your esteemed offices. 
Thanks very much. 
Sincerely, XXXX ( XXXX ) XXXX -Cell. 
XXXX Account # : XXXX. 
My Address : XXXX, TX XXXX.
XX/XX/XXXX my wife. Filed bankrupcy, her credit card debt was included .XX/XX/XXXX shores agency, call me to court, iwas not aware of card.idefault for not going to court.they won on my default, not the case, because they did n't have evidence, on my name on contract my wife lawyer contacted them, he got no response, they took my XXXX and XXXX income tax, says I still owe XXXX balance, and will take assets, it was a XXXX credit card debt, thank you.
KeyBank has failed to accurately responded to material false information being provided to a regulatory agency, the cfpb. On several occasion this lender has been been untruthful in facts provided to a federal regulatory agency. These incidents of providing false and misleading information are violations of the federal bank charter.
I was home when my X girlfriend called me to go meet her at Honda dealer in XXXX XXXX XXXX, I went there when one of the guis said let me sign some papers, I asked him for what, he said has witnessed. Then after some time I saw this depth on my credit report .I call them they told me my X girl friend did not pay for the car, and they repossessed it, they said am a co signed
I have some Inquiries on my report in which I did not authorize. I see inquiry where someone try getting credit three times from XXXX XXXX, one month after each other. I have never applied for XXXX XXXX simultaneously. Someone illegally, applied for these companies attached without my authorization. I never applied for XXXX either that is reporting as an inquiry on my report in 2016.
Made a payment to Belk Credit ( department store ) to wrong account. Asked them to apply the balance to the right account and they did not do it but charged me a late fee. Asked them to send me a refund on the credit of {$210.00}. They did not refund the money. 
There is currently still a credit on the account.
The closing has been pushed back 3 times. I have had to change my moving date, incur extra costs at my present home, change my movers 3 times, change my painters 3 times, change my carpet cleaners 3 times. Today at  XXXX  was supposed to close. There was structural work at the home I 'm purchasing that the appraiser had to see and verify with the lender that the work was completed. This was done. Now the bank tells me that they can not close until the  appraiser  goes back out and verifies that the wall paper and the chair rail were put back up in the basement rec room. It is up, I saw it when I did my final walk thru Wed  XXXX / XXXX /  XXXX  . What does wall paper have to do with getting the mortgage approved? That is not a structural repair, it is decorating. I feel that this is bad faith. I had to wire my down payment and closing fees from my bank account yesterday to the title company. Again, that does seem right to me. I started this loan process on  XXXX / XXXX /  XXXX  .
Great Lakes student loan company is refusing to acknowledge my enrollment in a new school - XXXX University, XXXX program. After one month of emails to them and my school sending them my enrollment information, they refuse to acknowledge my enrollment -- thus causing me to have to pay back my loans and new school fees causing financial hardship.
XXXX sent XXXX phone bills to collection which is XXXX that does not belong to me and is under someone elses name in XXXX XXXX oklahoma at the time it was made i was living in XXXX they want rent receipts and i live in a XXXX so when i moved to XXXX in 2012 i threw all my old receipts out not thinking i would need them. i have never had phone service with XXXX i have used prepaid phones for years.
Smith, Rouchon and Associates, located in XXXX, MS is constantly harassing me at work. They call my job at least three times weekly. I have sent a cease and desist letter but yet, they continue to call my job. The alleged medical debts that they say I owe is only being reported to XXXX and XXXX. XXXX only has one of these alleged medical debt and Smith, Rouchon and Asso.  continues to " verify '' the debt collection, every time a dispute the item. XXXX has verified all five of the alleged medical bills and will not remove them nor provide me with proof of how they allegedly verified these medical bills. I have also told Smith, Rouchon and Associates that they are in violation of FCRA, FDCPA and HIPPA but the last CSR stated that she do not care and that I better pay or else. I am about to lose my job because they will not stop calling my job!!!
I have had my bank account since I was in high school. At the time of opening the account with Bank of America there was no need to order checks as there was a limited amount of transaction being conducted. 
I now found myself in need of checks as I was asked to pay my rent and deposit using that form of payment. I went into the Bank of America branch in XXXX, Ca and asked to order checks and to get a couple temporary checks so I could pay my new landlord. I was told by the teller that new checks are only issued for new accounts and they would be happy to sell me a cashiers check for {$10.00}. I was told that no exception would be made even though I have never had checks before. I feel that this practice is unfair. The bank clearly has the ability to issue a temp. check they just refused to do so in order to charge me XXXX for a cashiers check. Bank of America is holding my money hostage unless I was willing to pay a fee.
I opened a checking and a saving account with Citi back to XX/XX/2018 in order to participate in the Second Quarter Checking account promotion. The term is to deposit XXXX dollars in the account for 90days and get XXXX dollar bonus. I've done everything as the term and condition stated and still not receive anything from CITI. Receive a letter from Citi in XX/XX/2018 saying I need to submit a XXXX tax form. I filled it out and sent it back to Citi on XX/XX/2018. I check my account today and still nothing. And I called citi agaaaaaain. A supervisor told me my form was rejected due to the permanent address is US address. I need to submit a supplement form to explain why a US address is valid which is ridiculous. I have legal status in the US and I live here now. The only thing is that I am not a US citizen. So I asked her if I have a Social security number, do I still need to submit this form. She said she is not sure and need to check. I waited in line for 30 mins and she just hangs up the call. It's been 8 months from the date I open the account with CITI. Still NOTHING. I have called for at least 20 times and provided everything you need. But Citi is always trying to ask for a new thing every time.
I purchased US Bank prepaid Mastercards # XXXX, XXXX and XXXX with initial value of {$200.00} in XXXX XXXX. I opened packages with these cards in XXXX XXXX and discovered that money has already been stolen from these cards in XXXX XXXX! I submitted a dispute form to the bank, however they responded that it has been more than 120 days since fraudulent transactions were charged to my cards therefore they cant help me and I need to contact the merchant. I contacted one of merchants ( XXXX ), they found these transactions and said that money have been transferred to a fraudulent XXXX account. They suspended that account, but according to XXXX they can refund money only when they receive appropriate paperwork from my bank. However, the bank is not willing to help me to return my money because it has been more than 120 days.
When I answered the questions about my personal info they said the info does n't match their records and I know I answered correctly, I went through this process three times and got the same response each time, so they have wrong info, I could not even get to a dispute form, someone is using my info because what I was disputing was XXXX hard inquiries that I did not make and a collections on a account I did not make. XXXX of the inquiries was just last month.
I have attached a copy of the accounts that are fraudulent as well as the inquiries that are fraudulent along with a copy of the police reports have sent them to Experian numerous times for them to rectify the situation however they continue to report the information as being accurate although I have sent in a copy of the police report from the state  and county I live in.
I just looked at my credit report and was shocked to see the numerous amounts of errors Experian have listed. I am filing a complaint to have remove them immediately. Experian Report Number : XXXX, claimed information that is incorrect and error on my credit report as accurate and verified. XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. I received a letter from XXXX XXXX/XXXX   only that was not validated or verified proof of the late payments that are reporting on my credit reports. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to, promptly delete all information which can not be " verified '' I " validated '' that I have disputed. I have not received any verification or validation of late payments reporting from XXXX XXXX XXXX and XXXX XXXX in which was originally reporting 30 days late and was updated on my credit report to " ND. '' IDENTITY THEFT REPORT ATTACHED.
I paid Carrington Mortgage Services {$300.00} on XX/XX/XXXX as a principal only payment and made my scheduled payment of {$340.00} on XX/XX/XXXX. 

They decided to apply the {$300.00} to my scheduled payment. When I made my regular payment on XX/XX/XXXX they put {$300.00} on my principal and put {$46.00} in a suspense account. Then they raised my scheduled payment from {$340.00} to {$390.00} for XX/XX/XXXX. 

I requested they correct this to the payments I wanted to make, but now when I phone in my last payment is XX/XX/XXXX. 

Please ask them to apply the payments as I did them online, {$300.00} principal payment on XX/XX/XXXX and my regular payment of {$340.00} on XX/XX/XXXX. 

Since they did not apply my payments the way I applied them I think another {$300.00} principal reduction at their expense should be applied effective XX/XX/XXXX. 

Thank you, XXXX XXXX
I have a checking account with State Farm Bank that earns interest on the balance in my account. I pay checks with their online checking service. Some payees, like a utility company, are sent their checks electronically. Other payees get their checks by US mail. On the day that State Farm sends the check, either electronically or by mail, my account is debited. This procedure is unfair because the checks sent by mail may not be received by the payee for several days and the payee may not deposit the check in their account for credit for many more days. This means State Farm has used my money for a lengthy period of time between the debit to my account and the credit to the payees ' account and I have lost interest during that period.
I sent a wire transfer in the amount of {$8000.00} to coinbase on X/XX/17 as instructed on their website. however, I still have not received on my wallet. When I sent emails, their response was I did not do the verification to receive wire transfers. So I checked my account, there, I did verification twice using my DL. They said that money should reverse it back to my bank account if it does n't go thru their system, but it 's been almost two weeks since i had last email. They do n't even reply back to me regarding this issue. I do n't even see a pending messages on my account. this is online bank statement -- - > email : XXXX Amount : XXXX TRANSFER : Coinbase, Inc Confirmation # XXXX > Edit Description > activity type transfer > status type icon cleared > Cleared. Select to mark activity type transfer XXXX TRANSFER : Coinbase, Inc Confirmation # XXXX as Reconciled XXXX
Good day, I've reached out to Navient on different occasions on subsidizing my loans to something that is reasonable and I always back track them on my paperwork. They never receive it and its a constant battle to fix these issue. Every time I fill out the paperwork I get the same outcome.They have placed a large amount of interest on my payment for no reason and they keep placing me into forbearance each time that I tell them not to. I am becoming very upset and tired of constantly monitoring their decision making, this has become a full time job and becoming a hassle to keep up with how much they keep tagging on. I don't mind paying back the loan but please be clear about what I am paying and stop placing me into forbearance so more interest can be tact on my loan. I feel like I have an extra job
I received a letter on XXXX-XXXX-2018 from Citi dated XXXX-XXXX-2018 explaining that I made a payment on XXXX-XXXX-2018 in the amount of {$69.00}. I have tried to explain to them that I did not make this payment or the info in the letter regarding this XXXX account number does not belong to me. This must have been an error on Citi part for entering the incorrect account number. Citi has yet to get this matter resolve and remove this payment off my account. I always pay my account online in full every month. There was no need to make any payment arrangements. Please review for correction. I have enclosed a copy of the letter from citi and my account showing the payment entered incorrectly.