WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is made against BB & T Bank in that the bank froze accounts belonging to [ Fiance Name ] to support their clearing of an out-of-state check made out to [ My Name ] and put into her account on XXXX. The bank put a 3 day hold on the check and cleared same on XXXX as a courtesy to the customer. The customer was trying to verify the check was a good one and relied on the bank to hold same until funds cleared to ensure its authenticity. The customer/consumer was not aware of what processes the bank used by which to release funds and did not ask for any special or courtesy accommodation in authenticating the check. 

Point 1 : According to the Federal Reserve Bank, a reasonable length of time for an in-state check to clear funds is determined to be 24 hours and at the most 72 hours ; Point 2 : According to the Federal Reserve Bank, a reasonable length of time for an out-of-state check to clear funds is determined to be at least 5-7 days and sometimes up to 10 ; Point 3 : Items 5 and 6 are usually those relied upon by a consumer making a deposit ; Please see attached COMPLAINT. I have all supporting documentation.
I am XXXX after an on the job XXXX where I worked for the same company for 20 years. XXXX I have been jumping through hoops with Washington XXXX XXXX XXXX XXXX for 3 years now and so forced to live on 60 % of my former income while they decide my fate. My condo is being foreclosed on XXXX XXXX. I tried to do a short sale and was told I would qualify for the Making Home Affordable Program which would give me $ XXXX to relocate. I brought a buyer with a cash offer to the mortgage co, Ocwen, who had my first and 2nd mortgage. They accepted the buyers offer but they sold the 2nd mortgage to a private investor who will now not accept the offer made to them but wanted $ XXXX more. The buyer came up with $ XXXX more for the XXXX but then Ocwen said okay they got more now we want $ XXXX more which will put the price of the condo at more than the fair market value. Now they have told me because the XXXX mortgage holder is private, I do not qualify for the XXXX XXXX anymore and they will not accept the cash offer they originally said they would accept so they are forcing me to foreclosure. They will force me to be homeless rather than accept a buyer. I did not sell the loan to the private investor Ocwen did. The money would have helped me to find another place and pay first last and deposit. Now they wo n't accept the sale for a reasonable price and I do n't know what to do. Can you assist in any way?
I have a bank account with Chase and a bank account with XXXX Bank. 
In XXXX, I wrote check XXXX from my XXXX account to pay a guy, XXXX, for installing some ceiling fans. XXXX deposited the XXXX check into his Chase account. 
A month went by. Chase sent a letter to XXXX saying that my XXXX account as invalid and charged XXXX {$12.00}. XXXX did n't tell me till XXXX. I looked at the letter that Chase gave XXXX. [ Chase accused me of writing a fraudulent check! I am angry! ] Chase had added a digit to my XXXX account number. Chase was in error. 
XXXX went to Chase and explained the Chase error. Chase said they would clear it up within 10 days. Yet, it is now almost XXXX, and Chase still has not cashed that check. XXXX still does not have his {$250.00}. Chase is damaging my reputation!! 
My XXXX account is valid. On XXXX XXXX, 2016, to prove it, I wrote check XXXX from the same XXXX account and deposited it into my own Chase account. The check cleared in 2 days! This should have proved to Chase Bank that my XXXX account *IS* valid. 

I think Chase is discriminating against XXXX because XXXX is not XXXX.
I have a HELOC loan initially opened at XXXX XXXX Bank in XXXX. First Niagara Bank bought XXXX XXXX Bank in XXXX and took over the loan. Key Bank bought First Niagara in XXXX, and then assumed the loan from them. Since Key Bank began servicing the loan, there have been nothing but problems. The most serious of those problems is that Key Bank has been reporting the loan to the credit reporting agencies incorrectly since they assumed the note. I have contacted Key dozens of times over the span of 4 months to try to get them to fix it. Each time they tell me that they are reporting the loan correctly or give some other excuse. They are not reporting correctly. They are reporting the outstanding principal balance as the credit limit, instead of reporting the actual credit limit. This is causing the credit bureaus to report my debt to credit ratio as 100 %, which is negatively impacting my credit score. The actual debt to credit ratio is less than 70 %. They also do not have the correct dates listed for the loan. 
The " Executive '' customer service team looked into the problem and finally came to the conclusion that Key Bank " HAS '' to report the loan incorrectly and have the incorrect dates because the type of loan that I have did n't fit into the computer billing system of Key when they assumed it, so they modified the data to get it to bill correctly. According to them, the damage to my credit and the wrong reporting is an " unfortunate, unintended consequence '' of what they need to do to get the billing correct. They have stated that they do not have a way to correct this problem and have no intention of doing so. And after four months of it being incorrect and of me complaining, they told me not to contact Key Bank about this issue. I tried to escalate it beyond this level, but was told that there is no escalation, and I could not even deal with anyone else in that department. All decisions made by the " Executive Team '' are final and are made by only XXXX person who answers to no one and has no supervisor ( supposedly ). The choices I was given were live with the problems or find a different bank. 
I am sure there are numerous other customers who have the same type of loan that was initiated by XXXX XXXX bank that are in the same predicament.
I Was going through a divorce in 2011 and almost resources at the time had to go to my son XXXX XXXX XXXX at the time he was not doing to good at the time and my wife also commenced the divorce witch compounded his issues I had called GMAC LLC at the time and told theme I may be late on some payments they told me to stop making payments for 90 day so I could get a loan workout modification this went on for some time as they where soliciting me for a loan work out they where also conspiring to steal my home I also have evidence on there foreclosure documents they planted in the XXXX XXXX recorders office to commence the theft of my home or XXXX falsified/forged and tainted the title on the property they also never evicted us before sending in unknown strangers in our home before any trustee deed was ever recorded they claimed to be the new owners and have been busted by the city XXXX for changing my home from a XXXX bed XXXX bath to a XXXX bedroom XXXX bath with out permits and took out a pool permit win the home was still in my name I could no commence a legal action/proceeding at the time who I thought was the bank in my home at the time because again my son was having XXXX issues and other heath issues I was always in contact with the bank and in fact even though I was ordered to move out in XXXX 2011 so my son could stay in the home until the court proceeding was over and I thought the bank was going to give me a loan work out I was still able to pay almost XXXX a month for rent in a apartment and still made over a XXXX XXXX a year the bank lied to me and took my home from me and sold the home I believe to a insider for a lot less then my home was worth and went into my home illegally and took my life long positions and traumatized my son who I told the home would still be ours and myself they also slandered my credit witch kept me from owning a home for over years and they have not responded to me as required by law
Recent flood insurance claim check was written to the mortgage company and me. it 's now in a secured escrow account and they wo n't release funds to start the repairs to my home. I 'm doing the work myself so they stated that I would have to purchase the materials first then they will reimburse me. So I have to come out of pocket first. They have also taken it upon themselves to make checks payable to the companies that we have submitted estimates for. I try to explain to the Insurance Claim Specialist that the quote was an estimate which can change based on how much material we will need she stated ; we would have to submit yet again another invoice. I tried to explain that this is holding up the building of the home to make it what is was prior to the flooding. She then expressed that 's it 's a process. I then asked for the written notice of this process she then expressed that its and internal memo and she can not share. She then said that I will be reimbursed by Tuesday for the materials that I have purchased so far and I have nothing yet. How is it that a bank can take it upon themselves that make checks payable to outside sources without my permission? 2 months post Hurricane XXXX and NFCU is no help.
In XXXX of 2010 I deferred one of my monthly auto loan payments with Wells Fargo Dealer Services. The paperwork got mixed up. I made SEVERAL attempts, by phone and by letters, to resolve the situation. No resolution was concluded. 

Now, the auto loan is paid off, except for the erroneous late payments. I have not receive the title to my auto, and have no idea how at this point. 

Correspondence is attached.
I received a letter in the mail in  XX/XX/XXXX . It stated I was one of the lucky winners selected by VISA, MASTERCARD, and   XXXX   XXXX  . My share of the winnings would be 3,500,000.00. It asked me to contact my agent   XXXX   XXXX   XXXX   at  XXXX  for my method of payment, Once I contacted the agent he would advise me how to claim my winnings. When I talked to him he said take {$10000.00} on my credit card with my checking account at Bank of America. I told him I had to pay {$140.00} which he said forget that and to go to the   XXXX   XXXX   and buy laptops with the number  XXXX /  XXXX   XXXX   XXXX  r,   XXXX   XXXX  .
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He told me that the IRS would be sending me papers for tax purposes but I never did receive any. He called me on Saturday and said I would get my money by Monday. I never got the money and he said he would call and never did. He put wire money on  XX/XX/XXXX  for {$9900.00} and on 09/09/16 for {$9900.00} and on XX/XX/XXXX for {$9900.00}. On  XX/XX/XXXX  all three amounts bounced and returned unpaid according to Bank of America.
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I have a Lawyer at LegalShield and his name is   XXXX   XXXX   Phone #   XXXX  .
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I have to pay back {$30000.00} and I am making {$530.00} a month payments which I ca n't afford. I feel they should have gone after the person who did this to me. Also it seems I should have been coverd by fraud insurance through Bank of America. I did not realized at the time I was being scammed and the Bank of slow at letting me know a month and a half later. My   XXXX   XXXX   Credit Card was closed and checking account closed at the bank and I started a new Checking Account with Bank of America.
I feel I was ripped off all the way around by the Bank as well as credit card companies and everyone was slow at keeping me informed. I would call the bank and go over things but I do n't believe I should owe {$30000.00}. I am retired and on a fixed income and if I can not afford to pay all this may have to declare Bankruptcy.
I am applying for a home loan and closing next Friday. I just found out that a current dispute I have has caused a delay in closing, so I called all three credit bureaus to CANCEL my dispute, and Transunion is the only XXXX giving me a problem. First, I do n't understand why this could n't be done over the phone ( as the other companies had no problem with that ) but that is not the worst part. The worst part is I FAXED my request over on Wednesday, XXXX XXXX. I called on Thursday, XXXX XXXX only to confirm that my fax was received. The woman I spoke with would NOT confirm receipt of my fax. She told me I had to wait five days to call back and get status. After telling her several times " I understand it takes five days to review but I 'm not trying to get status of review, I only want to confirm that my fax was RECEIVED, not that it has been REVIEWED ''. She still insisted that I had to wait five days for my confirmation. I told her XXXX times that this was ridiculous and I wanted to speak to a supervisor. She would only put me on hold and come back to tell me that SHE spoke with the supervisor and confirmed I have to wait five days. This is the most ridiculous thing I 've ever heard. What if I wait five days just to get confirmation that my fax was not received. Then I have to fax it again and wait another five days just to confirm receipt. I really do n't think the lady I spoke with understood the difference between review and receipt and I do n't appreciate her ignoring my XXXX requests to speak with a supervisor. It was the worst customer service I have ever experienced.
JP MORGAN CHASE CHECKING ACCOUNT XXXX XXXX OVERDRAFTS WITHOUT PERMISSION FROM XXXX XXXX. STOP CHASE FROM OVERDRAWING THIS CHECKING ACCOUNT. STOP CHASE FROM CHARGING OVERDRAFT FEES. ASK CHASE TO PLEASE REVERSE THE OVERDRAFT FEES. SEE ATTACHMENT.
I refinanced my mortgage last year and the mortgage was resold to Chase Mortgage. I now have 10 payments that have been misapplied. All 10 of these payments were made by check with written instructions on the check and with an attached mortgage coupon with written instructions duplicated on the mortgage coupon. 

My mortgage is a conventional mortgage and the governing deed of trust is a standard XXXX form. Chase is not following the processes set forth in the deed of trust. 

I would be happy if the standard language in the XXXX form were to be followed as it would have the same results as the written instructions that are not being followed. 

It is my understanding that Chase can only set rules about how they apply payments if I am late on my payments. I have never been late on a payment and some of my communications have been to get them to apply payments correctly before my due date. 

Chase keeps telling me that it is my responsibility to tell them when they need to make a correction, but the misapplied payments are routine and regular ( they have never gotten a single payment applied correctly ). 

I have approx. 30 contacts and communications with Chase mortgage and still have no resolution.
XXXX XXXX XXXX XXXX Husband & Wife We have done a refiance on our home to lower our interest rate through XXXX mortgage but we can not get the loan closed because on XXXX XXXX, 2007 we took out a second mortgage through Green Tree mortgage in the amount of {$55000.00} and on XXXX XXXX, 2007 this mortgage was recorded twice in the same day showing two mortgage instead of XXXX XXXX mortgage and my wife and I have contacted green tree to have this done and all we are getting is the run around every thing that they have asked us to do paper work wise we have done but no one will get back to us we have left messages and still no response from Green Tree so any help that you give us will be appreciated I am living on a fix income and need the help also I am XXXX and trying to get my affairs in order so my wife will not have to suffer when I am gone. I have had XXXX I do not know what green tree reason for doing us like this but it is not right they are the one who recorded these two loans. 

Thank you XXXX XXXX XXXX XXXX Ps. Greentree account # is XXXX and my contact # is XXXX
I have been called and send letters that I missed my XXXX XXXX XXXX house payment. Yet they cash the check on XXXX XXXX and on XXXX plus called I have been treated very rude and nothing is being done to resolve my issue. I have faxed them the cancelled check and they still demand another check. The entire staff I have talked to XXXX and they will not listen and hang up or put me on 30 or more minutes hold. They are not trying to resolve my issue and I have paid and they are threathen me with bad credit and late payments even while they have process my check.
Ordered paintings, used paypal as payment method. Paintings arrived XXXX month later damaged. Paypal awarded claim XXXX {$.00} XXXX month later paypal decided in sellers favor and took XXXX $ out of account without explanation, when I tried to fight back that paintings arrived damaged and seller already claimed insurance via USPS my claim was denied. Paypal buyers protection policy is a joke.
I have tried to have some hard inquiries investigated and deleted from your company as they are hurting my credit score and the excuse that I get is they are statement of fact. This is not true and your company has failed to do the job laid out by the FCRA. I want these inquiries investigated and deleted. <P/>here is a list of inquiries on my report that should be investigated and deleted XXXX XXXX XXXX XXXX XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit reporting agencies will tell you that credit inquiries are just a statement of fact and can not be removed. This is not true. FCRA Rules state that any information can be disputed and must be investigated. <P/>Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission. <P/>Credit inquiries made without your permission can indicate fraud ; in which case the credit reporting agencies may put a fraud alert in your files. A fraud alert will make it difficult for anyone, including you, to access your credit report without your permission.
I received a bill from XXXX XXXX this week for XXXX. Last month I received a bill for XXXX and a late fee of XXXX. I paid the XXXX original charge. THis month I got a bill for the late fee with an additional late fee on top of the late fee. They did waive the second late fee but if this is there regular practice, then they have a problem. First XXXX late fee on a XXXX charge is ridiculous but to charge a late fee on top of a late fee and their rep says it because there is an outstanding balance. This needs to be investigated. If they did this to me, a knowledgeable consumer, how many more have they done this to.
On XX/XX/2018 at XXXX hours ( XXXX XXXX ) I ( XXXX XXXX XXXX ) went to MONEYTREE, INC at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX WA XXXX, WINDOW - XXXX ( XXXX ) XXXX Transaction Number XXXX who have a contract with XXXX XXXX to wire various funds to various individuals and countries. On this specific day, I wanted to send money to my sister XXXX XXXX XXXX who lives in XXXX XXXX, XXXX XXXX, XXXX. The total amount that I wanted to send to her was {$3000.00} USD and the transaction was completed with a TRACKING NUMBER of XXXX. I was informed that I needed to call this number XXXX although I could not find this mentioned in the contract. I have made not one ( 1 ), but eight ( 8 ) calls to this number on XX/XX/2018 from XXXX hours ( XXXX XXXX ) to XXXX XXXX and each time I was placed on hold for more than an hour at a time. I did receive one ( 1 ) answer from a XXXX OPERATOR XXXX, who promised to call me back in two hours, this call has never been returned and it has been over five ( 5 ) hours ago. 
Just what the heck is going on and why is it necessary for me to call any phone number, and give the person who answers the TRACKING NUMBER and any other information that they may ask before the funds can be released to the party that I want them to go to? This is not right. I am demanding an answer as quick as you can get it to me, my e-mail address is : XXXX and my phone number is : ( XXXX ) XXXX. Thanks so very much.
I feel I was a victim of illegal practices by XXXX XXXX XXXX during the time of XX/XX/XXXX to XX/XX/XXXX. As I understand it this case has since closed and I am upset because I am just getting the claim

paperwork. I want to know if there are any unclaimed monies that I might be eligible for since I feel was a victim of this illegal practice. I was in loss mitigation over a year and never got any assistance, meanwhile my mortgage continued to escalate and add up. I realize you need particular I formation regarding fees and fines & overages I may have been charged and will do my best to provide this documentation. I just want to know if I can still file a claim and if I was due a refund.
I received a real, ready-to-activate XXXX in the mail from a company called " netSpend Corporation '' with a mailing address of XXXX. XXXX XXXX XXXX, TX XXXX Even though I have never interacted with this company before, nor even heard of them. My understanding was that companies were no longer allowed to mail out real, unable credit or debit cards ubless individuals had specifically applied and requested them. Therefore, I 'm alarmed. The card is listed as a Debit card. Perhaps that makes the legal difference. But, again, I have never had any interactions with this company. On top of that, the services advertised is that this card could help me get my direct deposit payroll payments " up to 2 days faster! '' And yet the numerous *fees* listed on the back of this netSpend card/account in fine print are significant and highly predatory. This netSpend debit card has all the makings of a scam. Sounds " legal, '' but predatory.
On XX/XX/2018 I sent Experian a letter requesting them to provide me with an originally signed consumer contract for XXXX inaccurate accounts which do not belong to me from ( 1 ) XXXX XXXX Account, ( 2 ) XXXX XXXX Account and ( 3 ) XXXX XXXX Account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) Experian is required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts Experian posts on a credit report. On XX/XX/2018 Experian signed the return receipt. On XX/XX/2018 Experian sent me report # XXXX with dispute results which clearly shows they are continuing to report unverified accounts which is against federal law. They have failed to provide me with a signed consumer contract. 

I have attached a copy of the letter Experian received dated XX/XX/2018, the signed return receipt dated XX/XX/2018 and the updated Experian credit report # XXXX dated XX/XX/2018.
I am seeing IC System on my credit report for a supposed collection for XXXX XXXX XXXX for a bill that was paid 4 years ago and at an address in which I have not lived in 7 years. I do not know who this company is, but have seen that XXXX complaints have been filed abouts scams that are very similar to my situation ( I.e. almost decade-old bills that had been paid years upon years ago and are being resurfaced via this company ). Please help!!
XXXX used a bait and switch to lure customers. XXXX promised to pay all early termination and other fees for switching from other carriers to XXXX. However, XXXX failed to provide {$390.00} in promised fees as well as hundreds of dollars in service fees which it promised to refund due to repeated service failures and never delivered. XXXX also failed to refund purchase fees for returned equipment. As a result, XXXX was immediately canceled and service was switched back to XXXX where new telephones had to be purchased.
Dear Transunion, I checked my personal credit report, which I acquired from your company in XX/XX/2018 and I noticed that there was a Fraud/Security Alert placed without my authorization. Regardless of the reason for the alert, please immediately remove the fraud/security alert from my credit report/profile. In addition to this, I am giving you advance notice to NEVER place such alert ( s ) on my credit report/profile without my EXPRESS CONSENT. I have attached a copy of my Social Security Card and a copy of my current California Drivers License for verification.

Please Note : I have 2 home ( mailing ) addresses. One address is reflected on the top left corner of this letter. My other address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. My drivers license has my XXXX XXXX address on it. My credit report reflects both my addresses. 
Thank you in advance. 
Very Respectfully, XXXX XXXX ( XXXX ) XXXX