WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I had XXXX vehicles that were both damaged in a series of hail storms that blew through our area back in XXXX. The damage was enough to total out both of our vehicles. Getting everything sorted out on my truck was easy - XXXX XXXX had a great process that took all of like 2 weeks to sort out from start to finish. 

My wife 's car, financed through Ally Auto, was a total nightmare. 

My account was placed in their version of lock down ; I could n't get anybody to talk with me and the people I did speak with were unable to give me any details. This was an issue as I had a ticking clock to get my XXXX insurance ironed out. Around late XXXX, I was escalated to their 'Executive Customer Relations ' team to try and get everything fixed up. At the same time, I was also chatting online with their chat representatives just hoping to get some answers. Neither department was able to assist me in any real way. I had requested some simple documents from them - stuff like company letterhead with my account number and the address to remit payment to. They were n't able to even provide that! Just as frustrating, the ECR team would take weeks at a time - with me emailing almost daily - between responses. 

After some seriously frustrating phone calls ( and about a month ), the ECR team finally managed to send all of my required documents to my GAP insurance provider. During that month long span, I was still getting on Ally 's chat service and trying to track down the documents myself. Part of that involved asking questions that this rep did n't want to answer. So, he kicked me out of the chat service in the midst of our discussion. My login session had expired so I tried to log back in a few minutes later to reengage in the conversation. Imagine my surprise when I get an alert that said I was locked out due to too many incorrect login attempts! Even more surprising because I had saved my password on my computer ; had n't typed out my password for MONTHS with no problem. 

At this point, I also asked ECR about why the heck this was going on ; I was informed that there was no attempts to lock me out, it was just an automated procedure that kicked in. It all seemed to coincidental - and erroneous due to the type of error I received. They stuck to their guns though - and were quite rude through this whole process. I got fed up with dealing with the ECR team and managed to find contact info for several executives in the organization. I passed along all email threads and asked for them to look into it. After much back and forth, it came to light that it was NOT an automated process that had kicked in. Rather, it was incorrect password attempts - as I had been saying since day XXXX. Whenever this came to light, the individual I was speaking with, XXXX XXXX, started threatening lawyers as a way of strong arming me into staying quiet about the whole issue. 
This whole situation was n't entirely unfruitful though. I finally managed to find my payoff amount. In XXXX. 7 months after I started the process.
I have hard inquires i never filled out any applications for these credit cards, bank loans they were all denied but have hurt my credit.ive called XXXX   they would not help in any way. This has ruined my entire life. I mee help. 3 capital one applications XX/XX/XXXX and 2 in XX/XX/2018, XXXX/XXXX XXXX Inquiry from XX/XX/2018, XXXX/XXXX Inquiry from XX/XX/2018, XXXX/XXXX Inquiry from XX/XX/2018, XXXX  Inquiry from XX/XX/2018, XXXX XXXX XXXX Inquiry from XX/XX/2018
I received a voicemail from a local number XXXX. She stated her name was XXXX but did not say who she works for. She stated I have 2 felony fraud charges and someone would be coming to my place of employment to detain me in the next 24 hours. The number to call back was XXXX. She also stated that the message was my legal notification of pending action.
First, Bank of the West sold me a loan on false pretenses and will make {$600000.00} off that loan that should have gone to their competitor, XXXX XXXX. Second, due to their false statements, we are in jeopardy of not having the money we need to complete the renovation of the downstairs apartment and backyard of our duplex - thus we will not be able to request as high of a rent as we would if we were able to complete all repairs. Third, while they are reviewing my case I am losing " would-be '' rent. 
The false statement : Bank of the West 's agent, XXXX XXXX, assured us at least twice by email and also by phone that we would get a home equity loan to XXXX % loan to value ratio - {$83000.00} on our {$920000.00} XXXX XXXX. See the two emails in Appendix A. Before the closing of the loan I asked how we could get the ball rolling on the HELOC ( see Appendix B ) and was told we have to wait for the closing of the mortgage loan. Everyone was so sure and reassuring that I trusted them. After the mortgage loan closed so it was too late to switch to XXXX XXXX, they decided that they ca n't give us a HELOC because it 's a duplex so they ca n't go above the XXXX % loan to value ratio that we 've already reached. Per Appendix A, XXXX XXXX was aware the property is a duplex. 
We made a XXXX % down payment at Bank of the West. If there was doubt about the HELOC we would have gone with XXXX XXXX where we would have only paid XXXX % down ( leaving the {$46000.00} difference for repairs ). 
I have repeatedly assured them that we are extremely capable of repaying the loan. See Appendix C for support on why we are no risk for a further loan. They still tell me I can not get the HELOC product because I do n't have the collateral, but they would be happy to sell me an unsecured loan for less money at a higher interest rate. I also escalated this to XXXX XXXX 's boss, XXXX XXXX, who called to apologize for this " frustrating '' situation. ( XXXX XXXX has since left Bank of the West and knew XXXX from a previous dispute with Bank of the West that has already been resolved in my favor. See Appendix D. ) He has since forwarded my case to Bank of the West 's " resolution team ''. He did n't mention at that time that it may take up to 20 days to reach a resolution ( and of course the resolution may not be final or favorable ). Of course this is a problem for us, as we can not execute the majority of the repairs until we have more money and the duplex lower unit remains unrented. 
Some of the requests above have not yet been formally communicated to Bank of the West since I had planned to simply wait for their response. However their actions since the denial of the HELOC have not assured me that they are taking my lost rent seriously. 
I will send them a copy of this complaint, unedited, for their review and consideration. 
I am extremely thankful for the existence of the Consumer Financial Protection Board to aid consumers who are stuck in situations like this. Thank you very much!
My name is XXXX XXXX, and I checked my credit report via XXXX XXXX. Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX was removed from my credit report. I filed a dispute with Equifax on their website, and between XX/XX/XXXX and XX/XX/XXXX, they added the remark " charge off account '' to my credit report. Since Equifax did not notify me within five business days saying they were removing the account and then adding the account back on, I expect this account to be removed. The Fair Credit Reporting Act says that I as the consumer must be told if the information in my file has been used against me. Since I was not notified that this account was going to be added back on my credit report, I would like it permanently removed.
I was in a month to month lease with XXXX ( XXXX ) XXXX. I was obliged to give a 60 day written notice before vacating the building. I did so, and sent the letter via certified mail. Roughly six months later, XXXX placed a {$7500.00} fine on my credit through Fair Collections and Out. This fee is exorbitant, as I only paid {$850.00} a month, and met my obligations for the lease. In the state of Georgia, the law states the landlord can only claim damages and the amount of time the apartment was vacant. I was never evicted, because I did n't break a lease, I should not have this on my credit. When I spoke with them they agreed to reduce the fee to {$3400.00}. This is still outrageous, and I 'm being illegally bullied in to paying for fines I never owed in the first place. They provided a forged copy of the lease that I never signed. If you search XXXX property services in XXXX Georgia, you will see they are well known for these tactics.
Last XX/XX/2018, my credit card limit was only {$1000.00} plus the interest of about {$100.00}. I had used my credit card limit of {$1000.00} only plus the interest of approximately {$100.00}. In XX/XX/XXXX, I could not pay the full amount of interest. Then at the end of the month XX/XX/XXXX, Wells Fargo decided to charge my credit card of approximately {$2500.00} out of nowhere. I called customer service in mid XX/XX/XXXX, spoke to a XXXX, who was of no help. He could not explain the jump of {$1500.00} added on my {$1000.00} credit limit. And every couple of weeks or so, {$100.00} was added and it keeps adding. In mid XX/XX/XXXX I spoke with a couple of women on the phone, last XX/XX/XXXX and XX/XX/XXXX, who kept telling me that I had a credit limit of {$2500.00}! I explained my credit card limit of was {$1000.00}, it made no difference to them. They said that I had charges of {$2500.00}. I asked to send me the so called charges. They sent confusing pages of mostly charges and fees. Then recently last XX/XX/XXXX, I spoke to another Wells Fargo representative, who could not help me because he didn't know what to say. I'm wondering if they mixed my account with someone elses account. My credit card account was closed about five months ago. But Wells Fargo keeps charging my closed account with fees and charges. Now, my credit card has a balance of {$3000.00}! Now, I have {$2900.00} in charges that I do not owe. 

I am a senior citizen on a fixed income and I would never agree to a {$2500.00} credit limit. I only agreed to a {$1000.00} credit approximately over three years ago. So either Wells Fargo is having a computer glitch, my account was switched with another account, or I am the victim of identity theft.
I have federal loans serviced by American education Services. I recently did an audit of ALL my student loans and came across 2 loans that are not mine. The disbursement dates were XX/XX/XXXX, which is impossible since I graduated in XX/XX/XXXX. 

In XX/XX/XXXX, I requested documentation for these specific loans and all I received was my original consolidation application which was date stamped XX/XX/XXXX. These questionable loans are not on that application. I called AES every month to send me the documentation. I talked to supervisors and their supervisors ... no one could give me any good information. They sent me that same documentation 8 times! Finally, in XX/XX/XXXX one customer service representative told me to write a letter contesting the loans. So, I did and I did not receive one piece of mail or phone call associated with that letter. So, I continued to call and badger them until FINALLY some one with a brain told me I had to file FRAUD paper work. I received that FRAUD packet in XX/XX/XXXX. 

To be in compliance with their Fraud procedures ... I was required to send a copy of my passport, SS card, driver 's license, and two other documents that had my signature on them. I also had to file a police report and include it in my packet. Plus, I had to fill out the 5 page  application on where I was living, who I was banking with at the time of the fraud. And get 3 of the pages notarized ( including a page of just my signatures ). It was an extensive process. 

In the instructions of the application it states that AES has 15 days to conduct the investigation. Well, after 15 business days I called to discuss the status of the application and they told me they have until XX/XX/XXXX to finish their investigation. Mean while, they put ALL my federal loans in Forbearance. That is not what I wanted at all! Only two of the loans are in question and I do not want my balances to accumulate interest. 

When I called to take my loans out of Forbearance. I was told to leave a message. And of course I did not receive a return phone call. This company is beyond IMCOMPETANT. I want these fake loans off my account and off my credit report since I have been paying for them since XX/XX/XXXX and they can not come up with any evidence that they are mine. I keep asking them ... how did I take out federal loans if I was not in school? This case needs to be escalated and they need to be accountable for their sloppy document control, bad customer service, and maybe even fraud.
I 've sent 2 attempts to get this account handled but this company never replied back in the time frame alotted. The first attempt was XXXX/XXXX/XXXX and I waited over 30 days to recieve a response before I sent the 2 attempt on XXXX/XXXX/XXXX and again no response.
My issue is a credit reporting from the student loan company XXXX. They were not distributing my payments properly within their system to avoid me having a late payment on a group. I would pay more than the allotted amounts each month to them on their website and on automatic withdraw from my bank account over the past 4+years. This in turn caused my credit score to drop by 100 points with XXXX, TransUnion, and XXXX. This is unfair and unethical to do to a client who is continually paying back on a loan. I work a lot and am very busy trying to make this money to always pay them back so I had no idea I was even reported or late until I had ran my credit report one day. All of my payments are current and up to date. XXXX should have been properly handling my payments to avoid this.
Good Day my name is XXXX I am filing a complaint with PNC Bank due to there neglience not retaining or recovering my expense of XXXX that was submitted through there branch in XXXX Maryland on XX/XX/2017. The Gentle man name was XXXX who took my Debit Card and Driver License never explain the details of how this process work. I discover this debt out of the checking account the very next day XX/XX/2017 I came to the PNC in XXXX, which i ask the representative did the XXXX get debit out the count she informed that was a wired transfer whereas i shock. I learn that that this was a debit not a wire transfer which I am provided to this office for further investigation. On XX/XX/2017 PNC customer care put a Security alter on the account which was documented. XX/XX/2017 The actual dispute was filed with no results of getting money. I was told by the wire transfer department that I would see results by XX/XX/2017, or XX/XX/2017 whereas PNC given myself and XXXX who is my son cause there are direct deposited that enter into the account. PNC instructed me on XX/XX/2017 to reopen up a another account so that the XXXX can come through which Myself or XXXX ( son ) can transfer funds to new checking account. Therefore there been nothing done. I spoke with XXXX who lied to me on XX/XX/2017 alleged this Federal Reserve Program to get the funds cause they are the ones that are responsible. XXXX indicate to me that they never heard from XXXX due to Federal Reserve that it will take more than 10 days. PNC ask me to block there email address which I did. I also filed a Police report through XXXX XXXX XXXX Maryland whereas they told me when fundings are enter into another country. PNC is responsible for recovering your funds back to your account cause it is Federal Insure money. I have documents I never received jewelry at all from XXXX
On XX/XX/XXXX I was told by Delta Management that my loan would be taken up by another party and congrats I would be able to return back to school soon after not hearing anything from anyone I returned call to Delta Management and spoke with a young lady whom stated to return call at later time as it was n't showing whom my new loan server was and sometimes it takes so time, ok did and still no answer or reasoning so In turn called XXXX and asked them to help that 's when they stated I only made 6 payments and loan was in default not information I was given and why would I pay 6 payments and not three more so then I asked for all calls to be pulled as this is incorrect this was on XX/XX/XXXX this was reported, I still have n't heard anything from XXXX as agent assured me I would so I called back at XXXX XXXX to speak with XXXX on the escalation team whom stated to me they had request out to Delta Management and Delta never responded and they had 7-10 business days to do so, ( which was a lie ), as I spoke with XXXX from escalating team at XXXX and he stated that had reached and it was under review ( why lie to student ) I in turn called Delta and they stated they had, Delta also informed we that they could not provide me with date they do n't it out even though it affects me that was XXXX XXXX loan rehabilitation ManagerXX/XX/XXXX I had spoken with previously about his associate misinformation on XX/XX/XXXX which he totally ignored on date listed all he responded with was that my information was no longer in his office XXXX and Delta provides students with wrongful information and students in turns pay for it again I was really excited about going back to school why would I get to six payments and stop paying all of which were always auto deducted from my account so I would never miss one. Be very careful and write down everything being told to you by whom and what time. Delta Management is responsible for miscommunication as agent didnt did n't know what they were talking about and now after paying 6 payments XXXX wo n't me to start all over again when calling to pay 7 was told they no longer had any information for me in there office and did n't know why shaking my head awful. Delta Management and XXXX wants to keep students in debt longer watch it and then for XXXX to lie stating that they never received information from Delta is crazy.
I am currently fighting with Bank of America for my debit card had been compromised over several days and at several XXXX machines at the XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX NV. XXXX on XX/XX/XXXX for {$300.00} then twice again on XX/XX/XXXX at the XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX NV, XXXX for the amounts of {$200.00} and {$100.00}. The account was used three times again on XX/XX/XXXX at the XXXX at XXXX XXXX XXXX, XXXX XXXX NV XXXX for the amounts of {$200.00}, {$100.00} and {$100.00}. The card was used a fourth time on XX/XX/XXXXat the XXXX on XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX for the same amounts of {$200.00}, {$100.00} and {$100.00}. Along with the withdraws was 7, {$2.00} balance inquiry fees and withdrawal fees totaling {$17.00} on XX/XX/XXXX and 7 more {$2.00} balance inquiry fees and withdrawals fees totaling {$17.00} on XX/XX/XXXX and 6 more {$2.00} balance inquiry fees and withdrawals fees totaling {$15.00} dollars on XX/XX/XXXX. I did not realize the transaction had taken place until I returned to work the morning of XX/XX/XXXX to look check my account balance and noticed the charges. I called Bank of America 's frauds claim department to cancel my debit card that morning to start the dispute process as soon as I saw over  {$1500.00} in fraudulent withdrawals and fees in my account. After I filled the claim I also reached out to the XXXX Fraud Department and was able to track down the locations of the four XXXX that my account had been comprised. I was in contact with Bank of America several times during the claims process expressing that I have expressed that I can provide video and hard evidence on my wear about 's and that I had my card with me during the entire time of these fraudulent withdraws. I was never once in or close to any of these XXXX and also asked several times if I need to provide any type of police report and was told no each time. The claim came back as denied on XX/XX/XXXX with the explanation that " No Error or Fraud Has Occurred ''. I called again today on XX/XX/XXXX to dispute the denial of my claim an reiterated that I am able to prove my where a bout 's and they said they would reopen the claim.
have repeatedly requested for documentation from  XXXX   XXXX  to verify the debt of {$1300.00} that is reported on my file. They after repeated attempts have not sent me the documention to verify said debt and I disputed the debt with Transunion. Transunion informed me that their investigation consists on them taking the word of  XXXX  that they have the documentation for the debt, when I requested what documentation they had received to verify the debt they informed me they have n't they are taking the recovery company at their word.  XXXX   XXXX  is subject to a  True Consent order im posed to them via a legal action and at this stage have not provided any evidence to me or to the reporting ageny for this alleged debt.
I opened a credit card account approximately 4months ago. The sole purpose of the account was to obtain a promotional XXXX gift card of {$100.00} if I used the card in an allotted time frame. I have used the card and have never received the gift card. This is after three inquiries over the last three months. they admit I should have received the card over 6 weeks ago and keep " researching '' why I never obtained this. US Bank and XXXX have fraudulently solicited the opening of this account under false promotion. There is no intention on their part to send the card. The last " supervisor '' I spoke with was XXXX employed # XXXX and told me " They are going to research the problem '' ... again!!!
Hyundai motor finance was sending me collection bills stating I never turned in a leased car. When in fact the car had been turned in two months prior. They then started sending me bill with fees for things I should have never incurred. I made multiple calls to the lease end department. Which was where Customer service siad I need to call. They are only open Monday through Friday 9-5 and have wait times of more than an hour. How am I supposed to get In contact with them to fix he issue if you cant get a person on the phone. Finally they send me a bill for the correct amount but hit me with a 30 and 60 day late payment. I wasnt paying a bill thats the incorrect amount!
I have a private student loan with Navient. A repayment amount was set and I tried to see if it could be lowered several times to no avail. I continued to struggle to pay the aount of XXXX every month. I signed up to have the money deducted automatically out of my checking acount. In XXXX 2017 I noticed that no amount was withdrawn from my checking account from Navient, so I contacted customer service to to inquire why that was. They told me that they were checking into the issue and would get back to me ; That did not happen. Then it happened again in XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. Today XXXX XXXX, 2017 I received a letter in the mail from the collection company XXXX stating that Navient has sent me to collections. How is it that I am sent to a collection agency when I have made payments on time and attempts to figure out why the payment ceased to be withdrawn from my account?