WillisBack/dataset-financial-user-claim huggingface dataset:
BODY of COMPLAINT On Friday, XX/XX/XXXX the plaintiff made on line transfer of ( {$1500.00} ) XXXX XXXX XXXX XXXX XXXX dollars from a Key Bank checking account to his Key XXXX Acct ending in XXXX. These funds were immediately withdrawn from the plaintiffs checking account. However, the on-line transaction was not posted by the bank to the XXXX account until XX/XX/XXXX and did not show on line until sometime on Tuesday XX/XX/XXXX. At the same time a disputed XXXX transaction in the amount of ( {$210.00} ) XXXX XXXX XXXX dollars and XXXX XXXX, was credited to the plaintiffs XXXX  account. This resulted in a {$210.00} credit in the plaintiffs XXXX account.
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On or about Tuesday XX/XX/XXXX The Plaintiff visited the Key Bank Branch in XXXX, Maine and requested the {$210.00} be transferred back to his account. The plaintiff was told that it would take a day or two. The Plaintiff was also told that if he electronically transferred that amount out of the XXXX account to his checking account, that transaction would be considered a cash advance and a cash advance charge would be issued even if those funds represented an over payment or credit balance.
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One Friday XX/XX/XXXX, the bank told the Plaintiff that he would have to wait untilXX/XX/XXXX before he could ask for those funds to be returned and that if he wanted a cash return rather than a transfer it would take another ten to fourteen days for them to mail a check to him.
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CHARGE The plaintiff charges the defendant with unfair trade and banking procedures and class E theft by deception, ( A person is guilty of theft if : A. The person obtains or exercises control over property of another as a result of deception and with intent to deprive the other person of the property. Violation of this paragraph is a Class E crime ; or [ 2001, c. 383, 34 ( NEW ) ; 2001, c. 383, 156 ( AFF ). ] Unfair trade and banking procedures : The defendant is guilty of taking and using the plaintiffs money without permission, controlling those funds and not paying the plaintiff interest on those funds until and unless the plaintiff agrees A ) To transfer or withdraw those funds and pay the fees for a cash advance B ) Waits until XX/XX/XXXX and then transfer those funds or request a check be sent to him which could take up to an additional two weeks.
C ) Use those funds towards new purchases Because of the current issues with Key Bank and XXXX, the plaintiff has started the procedure to move his accounts to another local bank and wishes to close this XXXX account. Therefore Item C is not a valid option for the plaintiff and forces him to continue with using a bank and credit card that the plaintiff no longer has any faith and confidence in.
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Proper Jurisdiction The plaintiff concedes that Key Bank is a federally chartered bank and is subject to administration by the Consumer Financial Protection Bureau ( CFPB ) as  chartered in XXXX and is not under the guidance or control of the Maine Banking Commission or its commissioner and that the CFPB is the proper adjudicator for this grievance.
I contacted Ally Financial at XXXX on XX/XX/XXXX inquiring about an extension on my loan so that I may be able to get the account current. I was informed that I must pay XXXX to be awarded an extension and my next payment of XXXX would be due XX/XX/XXXX. This would give me an extension for XXXX and XXXX payments and put my account current for XXXX. I was given confirmation # XXXX On XX/XX/XXXX XXXX XXXX POS XXXX was debited from my bank account to pay the required XXXX ( XXXX processing fee ) for the extension. 
XX/XX/XXXX Ally Financial Online payment was debited from my bank account XX/XX/XXXX Ally Financial Online payment was debited from my bank account My financial institution was bought out, so I am having trouble located the XXXX and XXXX payments. I can find this information if requested. 
My credit report shows me 60 days past due for XX/XX/XXXX and 30 days past due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. According to the phone call and payments that I made these payments should be marked as on time.
Seven years ago we received military XXXX from XXXX to XXXX XXXX, XXXX We were unable to sell the home in XXXX so we rented it for several years. At XXXX point we had a renter inflict {$21000.00} worth of damage to the home. We emptied our savings at that point to cover both the repair and the mortgage. The home in XXXX has not been rented in over a year and with no rental income we can not pay the mortgage. We switched property management companies only to find out the home also needs a new roof. We contacted our mortgage lender ( Carrington Mortgage Services ) and filled out all necessary paperwork for XXXX Loss Mitigation assistance, but were turned down. There is no way at the current time we can afford to either repair the roof or pay the mortgage for the home in XXXX when we are living in XXXX due to military XXXX.
I previously filed a complaint that was being disputed but has had no resolution so I am filing this complaint. I have a loan with Key Bank and they have been the absolute worst company to ever work with. I have other student loans elsewhere and have had XXXX XXXX XXXX and I am currently a customer of XXXX and Key Bank far outpaces any other company as the worst company I have to deal with. I have tried to lower my payments for a long time at this point because I can not afford the ridiculous payment which is over {$450.00} right now. I can only afford about $ XXXX- {$150.00} a month and I desperately want to make my payments but XXXX has now made me work with a third company who has a restricted number because they are so shady. They already use one company to take care of the loan, Key owns the loan, and now they have hired another company with the sole responsibility to call me 5 times a day to harass me. This company 's predatory practices are beyond ridiculous at this point. I want to pay my loan and eventually I will have a higher paying job ( or my wife will have a higher paying job ) but we do n't have the ability to afford payments right now. I, like so many other students, feel like I was taken advantage of whenever I went to school and was not told that I would be harassed constantly and would have to pay more than half of one of my paychecks a month to student loan companies. My income will not allow me to pay the loans but Key Bank does not care about people which has been proven every time I call them. Please, someone help me actually be able to pay my loan and prevent this company from attempting to take over and ruin my life. Thank you for any help you can be.
i havent had a credit card in over 15 years this is not mine, furthemore it is not listed on my XXXX  but is still on XXXX, and XXXX, this has been with 4 other debt collection agencies and was removed but continued to be listed over the last 10 years and presently shown closed
THIS IS A COMPLAINT AGAINST XXXX/TD, BECAUSE IT IS REPORTING AN INQUIRY IN THE XXXX AGENCY WITH DATE OF XX/XX/2018. THAT I DO NOT AUTHORIZE, REQUESTED WITHOUT MY PERMIT AND IN A FRAUDULENT FORM, BECAUSE I NEVER AUTHORIZE IT. I AM A VICTIM OF THEFT OF UDENTITY AND I HAVE NOT BEEN ABLE TO OBTAIN MY DATA TO MAKE A CONSULTATION THAT I HAVE NOT AUTHORIZED.
We filed paperwork with U.S. Bank for a Deed in Leiu/ Short Sale in XXXX 2015. The house was put on the Market in XXXX 2015 as my husband got a new job out of the area. 
We submitted all requested paperwork multiple times as apparently paperwork can become outdated month to month. We were assigned a relationship manager by the bank and were hopeful that this would be someone who would help guide us through the process. This is the first time we have ever had to go through this process as we have never had to sell a home in a market that dropped so quickly, leaving us owing more than the house was worth when we needed to sell our home. The bank continually asked for a valid purchase agreement and a HUD-1 Statement. These are things we did not have as we did not have any offers on our house. These are also things they would not need if they were listening to the fact that we were asking for a Deed in Leiu. We have since gotten an offer on the house in XXXX 2015 and have submitted the Purchase agreement and the HUD-1 Settlement statement. This paperwork has been sitting with the " Gatekeeping Department '' with no word on when it will be moved the next stage. We have been told the paperwork was with the processor for review, That it would be forwarded to Underwriting for their review and decision and now is with the " Gatekeeping Department '' it seems like they just move the paperwork from place to place to prolong the process and that neither we or our attorney can get a straight answer as to the status. We are not sure if this is the normal but, it seems as though US bank is doing what they can to stall the process. We are turning to you for help in resolving this issue.
My mortgage company forced placed flood insurance on my property when I already had flood insurance coverage. The flood coverage I purchased started on XXXX/XXXX/2016. In XXXX 2016 the mortgage company said the coverage was not enough and to raise the coverage by $ XXXX, so I did to {$190000.00} and back dated the higher coverage to XXXX/XXXX/2016. The mortgage company never told me in advance how much coverage to have. In fact when I called them they told me to have my insurance broker make the coverage assessment. The mortgage company is charging me {$25.00} which is their premium for coverage from XXXX/XXXX/2016 to XXXX/XXXX/2016. They tell me they wont reverse their flood coverage even though they never told me how much coverage to have. I want them to reverse their premium and to have a policy in place so I know in advance of how much coverage I need before purchasing flood insurance. Property loan balance is $ XXXX. Do n't I only need enough coverage to pay off the loan?
Ocwen erroneous reported me as 30 late for XX/XX/XXXX and XX/XX/XXXX. I raised my hand XX/XX/XXXX and my credit report is still wrong. My score dropped 40+ points. I am presently in the process of refinancing and when my lender received notice of the mortgage late, my interest rate increased from 4.1 % to 5.378 %. 

Also in XX/XX/XXXX, I obtained a modification with Ocwen and my credit was not suppressed while I was in an approved workout which is also affecting my credit and my escrow was not spread correctly leaving me with an escrow shortage.
I monitor my credit via XXXX. I noticed there were one hard pull each this week on XXXX and XXXX from XXXX XXXX dated XX/XX/XXXX. I did not authorize these pulls. I called the XXXX XXXX credit card division, they said it was n't them. They gave me the XXXX XXXX XXXX banking number, so I called them today and they said it was not them, they then said I should check with another division and they forwarded to me to a department that was closed for the day. I have had XXXX XXXX accounts in the past but they have been closed for a number of years. I did not authorize these pulls and want them removed from my credit report.
This letter is a formal complaint against XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I 've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 
For one, I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it 's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 

For two, there are three accounts, in particular which they just refuse to investigate ( XXXX XXXX, XXXX & XXXX XXXX ), yet they turn around and tell me that these accounts were verified by the Creditor. However, I 've contacted the creditors and they have no record of a dispute verification request from this or any other agency regarding an account for me. 

For three, I 've actually disputed with XXXX XXXX several timesdirectly who simply refuses to validate the debt they claim I owe as requested per the FDCPA. I 'm even in dispute with them via the Better Business Bureau. And I 've sent every piece of proof that both XXXX  and TransUnioncould possibly need to correct this erroneous information on my credit report yet they refuse to do so. 

That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files becausethey continue to report erroneousaccounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they 're simply ignoring theproof that I 've sent them.
I am filing this complaint against the unlawful practices of Bank of America that takes advantage of its vulnerable customers. I am a customer of Bank of America since XX/XX/XXXX. My checking account has settings to prohibit any debits, charges to and transfers from the account if there are insufficient funds to cover the transaction. Unfortunately, Bank of America does not honor its end of the bargain and on a separate occasions let my checking account debited, and the next day slapped me with {$35.00} late fee. It happened last year. I asked the bank not to honor any transactions in case of insufficient funds, but it did. The bank never refunded my {$35.00} late fee. It happened again this year. Bank of America allowed the transfer transaction to hit my checking account though I had insufficient funds, then conveniently slapped me with the late fee the next day. 
My second concern with the bank 's unlawful practice is the Alert system. With other banks, such as XXXX, XXXX, I get notified right the same moment any transaction happens in my account. However, Bank of America failed to alert me the same day about the insufficient funds in order I could rectify the situation and deposit the funds. Instead, Bank of America sent me the alert the next day- XX/XX/XXXX at XXXX. I immediately deposited the check to cover the difference and called the bank to see if any further actions were needed to take care of the insufficient funds. The rep asked me to call the next day - on the XX/XX/XXXX to get my credit back. Today, XX/XX/XXXX I called twice, spoke to XXXX who refused to credit the late fee, and did not transfer me to her supervisor XXXX , stating that the latter would not credit the late fee.Then I called again and spoke to another rep, and then her supervisor XXXX , who also refused to credit the {$35.00} late fee. Also, in response to my inquiry that this is Bank of America error, as it failed to notify me on a timely fashion about the negative balance in my account, as well as it allowed the transaction to go through in spite of my prohibition in case of insufficient funds, this supervisor said that Bank of America will do this again in future, if it wants - '' This is at the discretion of the bank ''.
Approximately one-year ago, when first ever becoming aware there was an issue, I filed my first complaint, following my attempts to get assistance and resolution through AES unsuccessfully. That initial complaint stemmed from entering repayment prematurely ( within the time-frame of roughly 2-weeks ), meanwhile I was still qualified and eligible for in-school deferment. It was at that time, it came to my attention, that these same ( older ) loans I was receiving unexpected and incorrect billing for, were in fact " Federal Stafford/Direct Loans '' both subsidized and subsidized, which originated between the dates of XX/XX/XXXX - XX/XX/XXXX by ( then named ) XXXX XXXX College. These were not ever private loans, which is also indicated in the NSLDS, as well as in the mini-itemized breakdown on the AES Billing Statements. It is clear, these loans originated as Federal Loans, and have always been Federal Loans and were never refinanced with a private lender, or anything else of such nature, or by any means. Basically there is no reason whatsoever that the AES branch of PHEAA should have ever been handling my Federal Student Loans ( which should only be reserved for the private and commercial aspects of its business ) ; my Federal Loans however, should have only been ever handled by their XXXX division as guaranteed by FFELP. 

Last year, only a temporary fix occurred, which after filing my complaints, assisted with rectifying the erroneous late charges from being prematurely billed, and I was finally placed back into in-school deferment. Fast-forward one-year later and a similar issue is happening again, due to the filed corrections to return my Federal Loans back to their originating status, and/or explain, how they ended up being handled in the manner they had be, which was without my authorization or knowledge. I have been mixed with emotions for my upcoming graduation ever since learning these facts back in XX/XX/XXXX,  and not having a complete resolution done at that time, which I am hoping to have done this time around. On one hand I am ecstatic to have graduated on XX/XX/XXXX ; but at the same time, I have suspected that I would be faced with ( early and once again ) prematurely entering repayment as soon as I graduated, or in my case even sooner. 

So, there are several issues, the first at hand is, having been billed for nearly two months now and in just over another two weeks, if things are not corrected, I do not want to reflect going from 30+ days past due, to 60+ days ... .when neither are correct. Since my loans are and have always been Federal Student ( " Stafford Direct Subsidized & Unsubsidized Loans '' ), I should not be entering repayment until approximately XX/XX/XXXX, after reaching the full maturity of my 6-Month " Repayment Grace Period '' which Federal Loans affords by their guidelines, and for which I fully intend to follow according to those guidelines and policies, as those were what was stated in all of my Master Promissory Notes that I signed from taking my first loan in XX/XX/XXXX through my most recent which was in this XX/XX/XXXX-XX/XX/XXXX - Spring School Year Semester, just prior to my graduate.
I, and the father of my son who does not even have the last name and lives in another state -who have nothing to do with a debtWe have both been contacted illegally, HARRASSED by : XXXX XXXX ofGC services collection agency - XXXX XXXX. 
He said a 'personal matter from a collection agency '. 

The father of my son, with a different last name and I have a strain relationship and to ad this harassment on collection calls that are not relevant to me or my son should be stopped and reported for illegal practices. 

This call has placed a strain on my relationship with the father of my son, whom I am not married to and he has NO relationship to the person they are calling for and say has a debt. A XXXX year old person. 
And calling my phone number XXXX times and to ask for her when my phone clearly is listed under my personal name. 

This tactic of harassing everyone in search of the XXXX year old person whom they say has a debt - has no relationship to what ever reason they are calling for collections, is stressful and should be illegal to call people that have no relation or even the last name - in this case I repeat calling the father of my son who is not related to the person they say are trying to reach. And dialing my phone 5 times for something I have no relationship to such debt is harassing. 

GC SERVICES, XXXX X XXXX XXXX XXXXSHOULD NOT BE HARRASING PEOPLE IN THIS MANNER FOR SOMETHING THAT HAS NOTHING DO TO WITH THE ACTUAL PERSON THEY SAY THEY ARE TRYING TO REACH FOR COLLECTIONS. 

THIS COMPANY SHOULD BE STOPPED FROM THESE PRACTICES IMMEDIATLY TO AVOID THIS TO HAPPEN TO OTHER PEOPLE. 

Thank you.
Application was submitted for me and an additional card holder, card was approved however American Express has failed to complete my request citing no information as to why I am unable to add an additional card holder to MY account. I called customer service several times and was told it was a glitch in their system or an uncompleted part of the application, was asked to provide my additional card holder information including date of birth and SSN number. SSN number should not be required to add an additional card holder to an account which no other bank does. I have repeatedly told American express that due to their failure to abide by this request that I do not want the account and would like it to be scrapped from my credit report and closed immediately. As a retention method the CSR put in a second request saying there should not be a reason why their new accounts team can not process the additional card. I have received my card in the mail via XXXX track # XXXX XXXX XXXX XXXX XXXX XXXX. The new card has been sent back via USPS 3 day priority mail.
I opened an XXXX XXXX XXXX account through XXXX XXXX in XXXX 2016. Their practices seem to be highly unethical. For example, if the account is used for a restaurant or hotel or other service that submits for pre-authorization, XXXX puts through the final charge and also holds the original pre-authorization amount for 10 days. Effectively this is a duplicate charge to the account that renders what should be available funds as unavailable. I addition, XXXX does not accurately report account balances to the credit bureaus. I have both a XXXX & XXXX XXXX credit card that are handled by XXXX. I recently paid down my outstanding balances to improve my credit score as I intended to purchase a car that required a loan. In stead of my credit score improving, it actually decreased as XXXX failed to report the payments made to reduce my balance significantly and has n't done so to date. I also paid off the entire balance for the XXXX account only to be charged an additional {$15.00} interest charge after the fact. How is this legal? Following is their response to my quesry about the charge- Thank you for your recent inquiry to our Customer Care Department . XXXX XXXX XXXX issues your account and responds to all credit related inquiries. This card is issued by XXXX XXXX XXXX pursuant to a license by XXXX XXXX XXXX. XXXX is a registered trademark of XXXX XXXX XXXX. I apologize for any confusion this has caused. On your previous statement, you were informed of an update to your Credit Card Agreement for your account. This notification was to inform you that beginning on your next statement, purchases made outside a Grace Period would be assessed trailing interest resulting in a finance charge after the balance is paid in full. A Grace Period is a period in time in which credit extended can be repaid without a finance charge being assessed. Interest is charged from the transaction date until the balance is paid in full. Since interest is calculating until the date the payment is received, you will receive a statement for the interest charged in the previous billing cycle. If you pay the trailing interest finance charge statement by the due date, you will not be assessed finance charges during that bill cycle the following month as long as no additional purchases are made. We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. Sincerely, XXXX XXXX Internet Customer Care Team I appreciate your help, Sincerely XXXX XXXX XXXX