WillisBack/dataset-financial-user-claim huggingface dataset:
I had not intent of applying for this kind of loan but was solicited to do so with deceptive practicesI was told the loan would be easy to get and I would have no trouble qualifyingSoon after I was forced to go through a process that called into question my credit worthiness, my property records, and so on. The process turned from " no trouble qualifying '' to a miasma of official documents and the likeI was sent a letter stating that the loan was approvedI was told the loan would not be approved on XXXX XXXX I received another letter asking for documentation so the loan would get approvedSn email from me : In the end I do not understand why the paperwork relative to the divorce and the deed for my home were adequate for a line of equity from Homestreet Bank and a {$400000.00} refinance from XXXX XXXX XXXX. 

You should be very careful about enticing customers to apply for loans without having all of the facts of the matter. This process caused harm psychologically and emotionally and I made financial decisions based on your bank 's words of certain loan approval. 

Deceptive practices were used to get to my apply for a loan that I did not seek. My paperwork was kept without my approval. 

The paperwork was returned. However, I also received a XXXX day air UPS package from a bank XXXX blocks from my home that was supposed to be sent to me on XXXX and should also include my tax documents. In perhaps the most pitiful part of all of this my tax documents are not included in the package. Instead I received tax documents for XXXX XXXX XXXX whom I do not know. 

US BANK cajoled me into applying for a loan I did not seek. I was told the loan was approved but I needed to close XXXX credit accounts. I did this is good faith based on the assurance of my bankerI was told by the banker that the loan was a part of building my relationship with him and US Bank. He did not tell me that he was leaving US Bank even as he had announced this before I applied for the loanMy grievance has to do with the strong arm sales tactics of US Bank and the deceptive parts of the loan process. The banker blamed the incompetence of the underwriters for the delay in processing the loan and left the bank before the loan was denied. 

In this case the bank obviously did not work in the best interests of a customer. In fact the bank did quite the opposite. It compromised by credit availability and also put me through a grueling and intrusive process despite promises to do just the opposite. 

This kind of banking practice is unfortunate and harmful and banks should not be able to make promises that that can not keep and fool consumers
Upon being denied from a lender for too many inquiries I decided to check my reports from all credit bureaus for accuracy. I have noticed several inaccurate credit inquiries that I had no knowledge of and DID NOT authorize. I contacted Equifax immediately and have been given no relief. The representative on the line continued to tell me its a " statement of fact '' which is not TRUE! I have a fraud alert currently listed and have taken extra steps and purchased a product to lock my credit report. Please see the following inquiries that were not authorized by me and the dates that my report was improperly shared with these companies. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
On XX/XX/2016 I purchased a used XXXX 2016 from XXXX of XXXX ( XXXX XXXX XXXX XXXX Il XXXX ) and financed by GM Financial. The car price was {$9200.00} the APR was 9.90 % and the terms were 71-months. I have been aggressively sending payment above my minimum payment. As of today, I believe that my total balance should be {$0.00} but GM Financial Statements keep showing a balance of {$1000.00}. I have communicated with GM Financial about this issue and they have not made any adjustments. I have proof of payment and any additional information you need to help me clear this problem with the lender.
The bank is charging me for a bank error they made by changing my bill pay payee after I sent payment. They changed the vendor name and address to an incorrect payee. When notified about it they responded quoting their bill pay agreement : On page 9, section B ( i ), titled Description of Services it states, By providing us with the names and account information of those Payees to whom you wish us to direct payment, you authorize us to follow the Instructions that we receive through Bill Payments. You further authorize us to update or change any of your Payee information ( including but not limited to changes to account information, Payee name and mailing address ) as requested or provided by your Payee, the U.S. Post Office or pursuant to any updates or changes through other tools and resources we may use from time to time to effectuate the Bill Payment. 
The issue is that the Payee did NOT request the change, the US Post Office did NOT request the change and the bank will not provide me with any information as to why the change was made. They also ignored my first notarized affidavit and have required me to fill out another one and send it in. In the meantime I have had to pay the vendor bill twice and am out my money.
On XX/XX/XXXX, we ordered an item from XXXX. The Item Seller ended up cancelling the transaction and issuing a refund. We got the credit card statement and it showed the item was Paid, and no refund was issues. So, we called Paypal as their company name is on the Credit Card invoice. Paypal supervisor said the Merchant issued a refund on XX/XX/XXXX, just 3 days after the item cancellation. Paypal says the refund usually takes a few days and possibly up to 30 days. Paypal supervisor then said, " We did our job, the money was put back on the card ''. I asked him " then why is there no evidence of a refund? '' He then said, " it can up to 30 days for your refund ''. I questioned him, as he just got done telling me the money was refunded. This supervisor was loud, talking over me, interrupting me and clearly was upset from my questions seeking clarity on the matter. I asked to speak to his Supervisor. This next and last supervisor named XXXX demanded to know my first and last name, so he can Verify the account, this was after i already Verified the account with the other supervisor and the agent before him. I told him my first name and told him i am tired of all the games, as i already went through all this before. He continued to speak over me and be argumentative, so i hung up and am filing this complaint. ALL CONVERSATION WITH PAYPAL HAVE BEEN RECORDED AND MAY BE USED IN A COURT OF LAW.
I have been a customer of Citibank since the XXXX 's. I had 3 Citicards for which I paid at least the amount required each month. 
In XX/XX/XXXX, I fell in my grandsons school playground and almost XXXX XXXX XXXX XXXX. 
I was not able to pay all bills involved. I paid the Advantage Card in XX/XX/XXXX, but not XX/XX/XXXX. I paid less on the Cash and XXXX cards in XXXX and XX/XX/XXXX. 
After Citi Cards Collection phone calls to my home, I went to my Branch on XXXX XX/XX/XXXX where I had a long conversation by phone with a representative from Citicards to save the Advantage Card, and to trash the Cash and XXXX Cards. 
I asked the representative to mail letters of our conversation. They were received in time to make the First payments : {$300.00} on XX/XX/XXXX done by Citi teller ( attached ) and the others Cash {$270.00} and XXXX {$160.00} on XX/XX/XXXX. All these payments to be for 5 months. 

Now that the second payment is due on XX/XX/XXXX, they invade my account website and change the terms.
I filed an complaint with XXXX XXXX XXXX on XX/XX/2015, I advised XXXX XXXX XXXX that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure XXXX XXXX XXXX are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise XXXX XXXX XXXX company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that XXXX XXXX XXXX are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If XXXX XXXX XXXX fail to respond in writing, signed by hand, in a timely manner, I will assume that XXXX XXXX XXXX are in error and this matter will be challenged. As XXXX XXXX XXXX further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and XXXX XXXX XXXX claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, XXXX XXXX XXXX have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.
SunTrust has failed to honor the terms and conditions of a promotional offer called SunTrust Deals. For this specific offer, customers were eligible for {$75.00} cash back for making two transactions with XXXX XXXX XXXX XXXX with an eligible SunTrust card on wireless products or services of at least {$15.00} by XXXX/XXXX/XXXX. The offer says that the {$75.00} cash back is earned within 30 days after making the second transaction ( see attached offer ). 

I used my SunTrust debit card to make two separate transactions with XXXX XXXX XXXX XXXX - for {$31.00} on XXXX/XXXX/XXXX and {$41.00} on XXXX/XXXX/XXXX. However, SunTrust has failed to provide the {$75.00} cash back within 30 days of the second transaction, which would have been XXXX XXXX. When I called SunTrust 's XXXX number, the customer service representative said that the cash back appeared to be pending but was evasive on the timing or probability of payment. The representative admitted that SunTrust had a pattern of not always honoring promotional offers. 

Attached is a copy of the promotional offer plus my statement verifying that I complied with the terms of the offer.
We are in a balloon mortgage payment and did not know about it. We thought we were in a 15 year mortgage. We were just notified in XXXX that the balloon had to be paid off. They told us we had to pay {$30000.00} by the end of XXXX, 2015, but now they asking us for {$8400.00} by the end of XXXX.
On Friday XXXX XXXX, 2017, I received a debt collection letter in the mail stating that I owe {$1700.00} from Credence. I have never signed a contract with XXXX for telephone service. This debt does not belong to me nor is it valid.
On XX/XX/2018, I submitted a payment to XXXX in the amount of {$3500.00}, which was the full amount of the student loan. Payments were not yet due, but I wished to pay off the loan early. 

On XX/XX/2018, we got a notification stating that our account had been overdrawn and now had a negative balance. We saw that XXXX had charged us the full amount of the loan, {$3500.00}, twice! That same day, we filed a claim dispute with our bank, XXXX, in order to recoup the funds that had been erroneously removed from our bank. We also contacted XXXX who stated they would refund us {$3500.00}. On XX/XX/XXXX, XXXX refunded us {$3500.00}. 

On XX/XX/2018, we received a notice that our original payment had been returned and XXXX had charged us a {$25.00} returned check fee. Apparently, XXXX denied the other {$3500.00} payment that we HAD authorized, perhaps because it was not clear which one was authorized and which was not. On that same day, XX/XX/2018, we removed our bank account information from XXXX as it was clear our money was not being managed responsibly. I called XXXX and they agreed to remove the {$25.00} fee as it was not our fault they had charged us twice. 

On XX/XX/2018, we saw that our account with XXXX  had been reset to show that we again owed {$3500.00}. We called XXXX and informed them that we did not see a second refund of {$3500.00}. We called XXXX and confirmed no second refund had been deposited in our account. XXXX said they would forward our concern along with bank account screenshots to their account specialists. We watched our account for a few days to see if the funds would eventually post to our account, and they never did. We called again and sent an email complaint on XX/XX/2018. Today is XX/XX/2018, and we still have not been refunded the other {$3500.00} that XXXX claims they refunded us, and our loan account balance remains at {$3500.00}. I have contacted XXXX at least ten times, and spoken with supervisors, who continuously say they forwarded my concern to account specialists and have not received any response. Supervisors have told me multiple times that they will follow up with me, and have not kept their word. 

In summary, our money has been irresponsibly handled by XXXX  and they have failed at communicating with us in a timely manner. Although they refunded us one payment of {$3500.00}, they claimed they refunded both, but we never received the second refund. The fact that the " account specialists '' have not responded to us after we submitted the complaint on XX/XX/XXXX is unacceptable and evidence of their blatant disregard for their consumers. We put our trust in XXXX to responsibly handle our funds, and they have shown they are incapable of doing so. We would greatly appreciate help in eliciting a response from XXXX and receiving the {$3500.00} that they claimed they refunded us. This way, we can again try to pay off our loan, hopefully without the stress and anxiety that we experienced the first time.
My complaint with XXXX XXXX is that they never sent a final bill to my updated address of email address. When I cancelled services, I called to have the final bill resolved -- which included providing an updated address to send the bill to. Though I never received that bill, or any notification that they were trying to collect a debt from me -- my account was charged off to collections. Once I noticed the debt on my credit report, I immediately paid the balance to the collection agency. I have tried to reconcile with XXXX so that they will remove the reporting but they will not attempt to do so because they feel the reporting is valid. Even still, I I never received a final bill. Customer service has been trite and uncompromising in working with me to get this resolved. I find the actions of XXXX XXXX to be both unprofessional and unfair reporting to my credit report. I Seek to have the negative credit reporting removed completely from all the reported to agencies : XXXX, Equifax, XXXX, XXXX, and XXXX XXXX XXXX XXXX. I find any trace of negative reporting to be unfair as it will affect many of my future endeavors negatively.
I am in the process of doing a deed in lieu and I am having a issue with the second mortgage Wells Fargo. I submitted paperwork to them that I had received from my first mortgage on XX/XX/2017 via fax. Instead of them reading the paperwork and acknowledging that it was a settlement offer from my first mortgage they removed me from their hardship program. I had to call them several times and have requested that they respond to the correspondence that was sent to them and advised myself and my first mortgage if they are going to accept the settlement offer. Since I sent the correspondence I have been assigned several representatives. The last one assigned to me XXXX, I sent her an email on XX/XX/XXXX to find out the status of the settlement offerr. She called me on XX/XX/XXXX at XXXX and stated that she did not know the status but she would reach out to the processor and would call me back in 24 to 48 hours. It has been 8 business days since I spoke with her and have received no response. I also sent her an email for status on XX/XX/XXXX and XX/XX/XXXX and no response as of this date. Why is it taking so long for them to agree to the settlement offer. This is the only thing that is needed for my first mortgage to conclude my deed in lieu.
my name is XXXX XXXX i live at XXXX XXXX XXXX XXXX ga phone XXXX i had an agreement to pay XXXX XXXX a month but overpaid them because im on a budget and wanted get caught up knowing i would not have all the money next month but they stated the remainder went to the balance yet it was not in the agreement and they allowed payment knowing this and mislead me. i cant pay XXXX this month which they are asking and they refused to take the difference.
I have a contract to install 320 yards of carpet in a customers home. They gave me a check for XXXX I deposited the check in a branch atm. The receipt stated the check has an error. I called right away. The atm customer service rep stated that I make large deposits all the time and I shouldnt have any issues. Today I brought the contract into the branch where I made the deposit. Now the funds wont be released until XX/XX/18. My customer called XXXX and they already released the funds overnight. The customer, wanted carpet for XXXX. I need your assistance or I wont do business with this bank anymore.
Navient student loan pushed me into forbearance years ago, which lets me take a short break from making payments. Interest payments on the loans continued to grow during this time which is illegal. I started with a {$17000.00} loan back in XXXX and now the balance is well over {$23000.00} in XXXX! I feel I have been deceived and taken advantaged of and looking for COMPLETE financial relief along with the other XXXX XXXX people that they have scammed for making my life a living XXXX. This has put such a burden on not only me but my family who is trying to purchase our home to raise a family but these CROOKS seem like they " Stealing '' the American Dream, no pun intended.
I was a Susquehanna bank customer. I had a credit card with Susquehanna Bank serviced by XXXX XXXX. BB & T purchased Susquehanna Bank and all customers were " transitioned ''. We retained a credit card if we had XXXX. On XXXX XXXX 2016 I applied for a BB & T XXXX XXXX card with the sole purpose to use it as a low balance business card to make XXXX or less material purchases for my small business and take advantage of the 0 % introductory interest rate. I applied for the card IN PERSON at my local branch. I was immediately approved but for a very low credit limit. with a credit score of XXXX and a credit limit of XXXX on my current visa I asked why? My local banker called BB & T and they said they raised the credit limit to XXXX confirming it with my branch the next day. AT NO TIME was a balance transfer discussed. A few days later I received a letter from BB & T stating I had been approved for a XXXX with a credit limit of XXXX. 3 days later my card came, I activated it but did not make any purchases at that time. Upon checking my online balance a few days later on BB & T 's online banking website I noticed there was a XXXX balance on my new card. I immediately went to my local branch and questioned this. My banker noted that I was NOT the only person this happened to, and perhaps it was a glitch of some kind. When he called BB & T they said they were getting a high volume of calls about cards that day. My banker was connected to a supervisor of some kind and they stated I initiated a balance transfer. My banker then physically pulled the paper application I filled out for the card and signed and dated IN MY OWN HAND. The " balance transfer certificate '' section was BLANK. Upon further arguing back and forth BB & T faxed over a " new '' application that had the balance transfer certificate filled out in TYPE FACE and DID NOT HAVE MY SIGNATURE on it. My banker argued that I had not asked for the transfer, BB & T said they would waive the XXXX dollar finance charges on the transfer but that I was now responsible for the debt. No one can explain how or why the balance transfer happened or who authorized it. BB & T then claimed that once a customer signs a document that signature can be used on any other document they choose. With Susquehanna my monthly payment was under XXXX, this was within my very tight budget. The balance transfer nearly maxed out the new card, and brought my monthly payment up to nearly XXXX a month FAR outside my ever tightening budget, and it made the prospect of using the card impossible and further caused me financial hardship. They are unbending and uncooperative in helping me with this issue and left the blame for this incident on the branch and the banker who submitted the application. I was there and I NEVER asked for a balance transfer nor did the banker in question. BB & T corporate is at fault and should be blamed, investigated and reprimanded for their actions NOT my local banker or the local Branch.
I have contacted Experian on several attempts about these accounts and inquiries placed on my credit file. These accounts and inquiries are not accurate information .. All the inquiries are unauthorized. The accounts that dont belong to me are XXXX XXXX XXXX XXXX These accounts are fraudulent as I was a victim of identity theft
Ocwen Loan Servicing , LLC commenced foreclosure on an owner-occupied property that is our primary residence. The foreclosure notice was originally filed with a foreclosure date of XXXX/XXXX/2016. He had a court hearing to get a temporary retraining order. The temporary retraining order was only good for 7 days. Our claim for a temporary injunction was denied by the judge on XXXX/XXXX/2016 and Ocwen Loan Servicing , LLC reposted our primary residence for sale on XXXX/XXXX/2016 for a foreclosure sale on XXXX/XXXX/2016. As outlined in the Ocwen National Servicing Settlement, " Before a loan is referred to non-judicial foreclosure, Servicer shall ensure that it has reviewed competent and reliable evidence to substantiate the borrower 's default and the right to foreclose, including the borrower 's loan status and loan information. '' Ocwen has failed to show that they have the right to foreclose.
I think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like XXXX XXXX to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage