WillisBack/dataset-financial-user-claim huggingface dataset:
Discover Student Loans sent me a letter saying that because I had paid a certain number of payments on time and in full I qualified to have my co-signer removed. My co-signer was my mom who is going to retire in a couple years, I pay all my student loans by myself so I figured not having her attached my loans will help her after retirement. The letter stated that having my co-signer removed would not affect my interest rate. My interest rates are incredibly high, I have great credit and it just plain unfair what Discover is charging me. Since I have removed my co-signer I have had my interest rate climb every month. Again I have great credit, pay all my loans on time, and pay more than the minimum payment. Discover states that because they just hold my loan ( they bought it from another company ) they can do nothing about refinancing it, in my mind then they should not be able to raise my interest. I honestly have no idea what to do or if this is legal or not. I pay almost {$1200.00} a month in student loans ( not just to Discover ) and no one is helping me because I pay on time. I kill myself working to jobs to pay all my loans on time and I am punished because I 've never missed a payment. I honestly do not know where to turn but what Discover does does n't feel right and I would like someone with more knowledge to look into it.
I have been banking with SunTrust Bank, XXXX. They run all credit and deposits at the end of the business day. When they run debts, they start with the highest and go to the lowest. They do this in order to extract extra overdraft fees and not deny payments when your account is overdrawn. 

I recently had a situation whereby I had approximately {$450.00} in my account and a deposit of {$360.00} giving me a credit of {$820.00}. I had several withdrawals on XXXX/XXXX/2015 listed below : {$7.00} {$23.00} {$29.00} {$46.00} {$85.00} {$280.00} $ XXXX $ XXXXHowever, I made the {$280.00} withdraw late in the day and was not denied use of my bank card, so I thought I had enough funds to cover. But I accept that I was overdrawn. However, Suntrust 's computer withdraws from my account taking out the highest debt XXXX and in order to charge more bank fees. Because of this practice, I was charged {$38.00} on XXXX checks for a total of {$150.00}. Whereas if they started with the lowest debt amount, which is how it shows up on both my statement and online, I would have only been charged XXXX late fee of {$38.00}. 

The following day, I deposited {$200.00}, but due to the extra {$110.00} in fees, I incurred an additional {$38.00} late fee. 

While I am willing to accept responsibility for overdrafting my account, I find it fundamentally unfair that SunTurst, XXXX uses a method to extract the most fees possible and it continues to allow a customer to access funds when they are overdrawn. Had I been denied when made the {$280.00} payment with my debit card, I would have known that I did not have the funds to cover the charge and I would not have made it or I would have checked my account to find out why I did not have the funds. 

I honestly am not upset about being charged a fee when I overdraw my account. That is fair. But their calculation methods as well as their allowing me continued access to funds when they are not available without warning is not fair and I feel cheated.
On XXXX/XXXX/XXXX company did not answer the two questions asked in orginal complaint, why are my payments not being reported to my credit burea and why did they stop sending payment statements after i notified them about a layoff from work in XXXX XXXX.
I recently checked my credit report, and I made an attempt to pay off or settle all of my debt. There was a listing from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. This was in reference to an account with XXXX. I called the company and settled my debt with them. I received a paid in full letter, and I disputed the information with all XXXX credit bureaus to get them to update my credit file. On XXXX/XXXX/2015, I received a phone call from Receivables Management Group, XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. They informed me that they have received an account from XXXX XXXX XXXX, and wanted to know if I wanted to pay them before they put the collection on my credit file. I informed the lady that I had already settled the debt, and that I was not going to pay for a debt that had been settled. I told them that it was illegal to try and collect on a paid debt. She told me that they received the account in XXXX of XXXX. I told her that she needed to contact XXXX. and figure out why they sold them a settled debt. The lady then begins to tell me to produce documentation saying that I had settled the debt. I refused to do so, and demanded that she settle this issue with XXXX. I then informed the lady that I would be filing a complaint on her and the business for trying to collect on bogus debt, and she hung up in my face. I wish to file a complaint, and be compensated if possible for the harassment that I suffered from XXXX XXXX XXXX and Receivables Management Group.
I have been a valued AMEX card member since 2013 and happy with their services. However, in XX/XX/XXXX, I have applied for the American Express platinum card with the sign up bonus of XXXX Membership reward point after {$3000.00} spending. I used this card for my daily spending. After one month, I met the requirements, and American Express posted the XXXX points to my Membership reward account. On XXXX XXXX, I noticed that Amex had reversed the XXXX points on XXXX XXXX with no explanation whatsoever. I contacted the CSR and gave me a case number, but told me no reason. On XXXX XXXX, I called the back number on the card, tried to figure out what exactly happened to my points. I was told that my points been reversed was because my spending did not meet their requirements. Since I had received my points after {$3000.00} spending, and AMEX already posted it to my account, I had no doubt regarding what is qualified for the spending. Now, after two months, which already exceed their promotion period ( 90 days of opening account ), AMEX came back and told me my spending was n't qualified??? Are you kidding me? IF it is not qualified, then I should have known. If it is AMEX 's own IT or Tech problem, then I should be granted to their own mistakes!!!! BUT, they did not do anything, so I decided to cancelled the card without any hesitation. 

BUT, this afternoon, I received a call from Membership Rewards, a lady told me my reversed points were still under review, because there was an error regarding of what I had purchase on my platinum card, so she said it might take couple more weeks to finish the review. I told her I had closed my account already, she said if I wanted to continue this investigation, I had to reinstate my account. BUT there is no guarantee of what could happened to my account. 

1. I only asked for extended time to make qualified purchase, since I am the only covering AMEX 's own fault!!!! BUT they would n't grant that!!!! 
2. Since I already closed my account, why are you guys telling me this further review, and suggest me to reinstate!!!!!!!
On XXXX/XXXX/XXXX I received a message via text stating my account was in the negative by {$11.00}. I go online and see the maintenance fee posted causing the account to over draft all other transactions were covered by the monies that were in the account. I go back into the account on XXXX/XXXX/XXXX to look to see if my direct deposit from XXXX was there and what I encounter is that BB & T has posted the maintenance fee as if it was a transaction that was before other charges and the transactions that were cleared with the money in the account is now showing up as over draft and at this point BB & T has not erroneously but with deliberate actions placed the maintenance fee before my other transactions when in fact the maintenance was posted after and that was the only transaction that did not have enough funds in the account to cover. I was just assessed another overdraft fee in the amount of {$36.00} on a transaction that clearly was done before the maintenance fee and the funds were available for that transaction as well. The grand total for the overdraft fees is {$140.00} which has not been just erroneously placed but rather fraudulently placed on the account by BB & T. The only overdraft fee I should have had assessed would have been for the maintenance fee. This is not the first time BB & T fraudulently placed a fee on my account. On XXXX XXXX I went to the BB & T ATM and pressed the fast cash button immediately after I pressed the option I realized it said checking and the money was in my savings. I pressed cancel on the key pad and any other ATM I have encountered immediately stops the transaction but not BB & T 's ATM machine. I was charged XXXX transfer fee. I went into the bank and explained I immediately pressed the cancel button however the transaction continued. The teller I was speaking to in the branch said the ATM does that.
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. When calling the company at XXXX I was transferred to a customer service rep by the name of XXXX and then sent to a rep in " Funding '' by the name of XXXX who then provided me with the Risk department at XXXX. I spoke with XXXX and explained to him my issue and that I have not applied for credit with Santander. He then informed me that it was for my XX/XX/XXXXXXXX XXXX In which I bought from XXXX   and not XXXX. I have had my vehicle since XX/XX/XXXX so I am not understanding why Santander ran my credit on XX/XX/XXXX. I explained that I wanted to know the process and documentation to have inquiry removed as I did not fill out any application with Santander or their entities at all. XXXX informed me that he would give me the number for the department who handles inquiries and placed me on hold for about 5 minutes. He then came back on the line and informed me that he doesn't have the number for that department because they change their numbers a lot. I have sent them 2 certified letters to their address, addressing the inquiry and asking that he be removed from ALL 3 Credit Bureaus and they have failed to answer my complaints with the 30 days timeframe per the laws. I have tracking numbers for the certified slips that i would gladly provide for this complain if needed. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider : SANTANDER CONSUMER USA Not Proven Compliant Account : Inquiry from date XX/XX/XXXX
Vehicle lease was turned in, was not aware there was a lease turn in fee. No notifications sent to me. Had a XXXX $ fee when I checked my old account which was later taken off due to Honda loyalty buyer and submitted paperwork. Mine and my mothers credit dropped as she was the co signer due to a separate {$20.00} fee that i was unaware of. Tried to resolve it, paid the XXXX $ and they would not take the report off of mine or my mothers credit. Lack of communication on their part and I would never hurt my or my mothers credit score over {$20.00}.
In XX/XX/XXXX we completed a modification with Wells Fargo Bank, we were so excited about the modification that we did n't read the entire forms that were sent out for us to sign. In XX/XX/XXXX due to my wife illness we fell behind not quite XXXX months with our mortgage, we were trying to catch up always a month behind. We decided to try to get help by doing a debt consolidation loan to bring us us to date it would also help us to secure a refinance in the next 12 months. We found a company that would do the loan for us just as we were to sign the document a Title search was done and we found out that HUD had placed a partial claim on the home making it virtually impossible to secure a loan. The claim shows up as a lien on the home. Finding this out was a shock to us, we were never informed verbally that a lien would be placed on the home by HUD. This has create a hardship for us because no one will touch our home due to this XXXX lien. We are falling farther behind on our mortgage and other bills we want to save our home, as we have the income to maintain our home once we get someone to help us to get ahead. We sincerely hope you can help. 

Regards,
I have try to have these account that are a result of identiy theft removed or blocked per the fair credit reporting act section 605 ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. and Equifax will not block o remove these accounts. as a result they are in violation of my consumer rights.
I also want you the cfpb to know that I did a deposition for a lawyer out of texas, he is defending XXXX whistle blowers that use to work for ocwen and I came across some very interesting emails from ocwen laughing and joking at our situation.. a lady named XXXX XXXX and another lady lol with smiley faces one asking the other to get us a mod and the other one saying like that will ever happen lol with a smiley face at the end ... but since you guys have let them do this to my family since 2011 you probably think its funny too ... thas fine and now the have XXXX to foreclose on us right after our deposition and they are the ones making a joke of it ... that 's ok its things like this that make our cases bc no one else cares and that 's the truth ... shame on you cfpb
1st phone call with Hudson Valley occurred on XX/XX/2018 - They requested amount of {$2300.00} for charged off account balance of {$1800.00}. I requested explanation of difference in amount and they explained this was amount from original creditor ( XXXX XXXX XXXX ). Confirmed with XXXX XXXX XXXX on same day the amount reported by Hudson Valley that was incorrect. Hudson Valley has requested incorrect amounts and has threatened to sue for account if account is not paid in full amount for balance of {$2300.00}. 

Hudson Valley has also never sent out Debt Validation letter to home address after numerous attempts of doing so over the phone and in writing.
CASH CENTRAL XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX The company listed above is on my credit report. I have no idea why they are on there. I'm hoping they can remove it. During the time they have stated I was not even in the US, I was working in XXXX
I visited the Lending Tree website and clicked on a link that said " view your free offers ''. I entered name, address and supposedly my last XXXX digits of my social ( per lending tree ). At no time was I told I was applying for a loan or my credit would be run. I am now getting tons of emails and call re : my loan application. I DID NOT apply for a loan or give permission to run my credit. Sent XXXX emails to lending tree customer service with no response. Called today and was told that at very bottom of the page there is a terms and conditions link. This is unacceptable. At no point did there site say ... loan application. There has been several hits on my credit report ... ..and I did n't apply for a loan.
Placed calls to Experian, XXXX and XXXX in regards to inquiries that were iniated by me. Was told by represenatives from each company that they were factual. Explained to the represenative that I knew what my credit situation was and that I would not be trying to get more credit with the way my credit was.
I have not opted-in to overdraft protection wherein my bank ( BB & T ) will advance funds on my behalf, should my account balance fall below zero. For years, my savings account has been linked to my checking account for an alternative to overdraft protection, however. Recently, I noticed that I was being charged a {$12.00} " Miscellaneous Debit '' for BB & T to transfer my own money from my savings account to my checking account upon a low balance. This " Miscellaneous Debit '' is charged per transfer, very similarly to an Overdraft Fee XXXX just not {$35.00} XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 Barclays Bank Delaware, Dear Barclays Bank, XXXX Credit Card XXXX I am member since XX/XX/2018 and I had a credit line {$3500.00} .I am maintain account good standing and I am paying bills on time.

Your bank Credit line reduce up to new line of {$1000.00}. I am really disappointed and not happy done this.

Please reconsider my request and granted my credit line back to {$3500.00} Thank you XXXX XXXX XXXX
I started a dispute for a transaction on my account on XX/XX/2018. BBVA Compass says disputes can take up to 10 days to be handled and will notify me if they need anything. 

Today, XX/XX/2018, I created another dispute for another transaction on my account ( from the same company ) and found they denied my previous dispute. I called the number provided asking reasons why it was denied. The gentlemen started reading MY dispute but did not inform me of the reason. I asked again for the reason which he replied he would contact the investigator. After about 15 minutes of this ( asking for reasoning ) he stated there was no evidence to support my dispute. I told him that was correct, there was no evidence why the company would charge me twice in one month for something I don't have. Again, he stated not the evidence for the company but for my side. I informed him that no one ever contacted me for evidence or the contract. This time he gave me an email to send the contract to. I asked for him to open both disputes again and please handle it properly. 

Any other merchant service will dispute directly with the company, BBVA Compass bank does not do this. I don't think they do anything. Their dispute process is completely fraudulent. When I asked for the company 's merchant services so I can dispute directly he refused to give me any information. XXXX won't let consumers directly dispute since everything is handled through the providers ( in this case the bank ). I still don't know the information for the company 's merchant service provider as I could directly dispute with them and they would help I am sure. 

I asked for a new debit card and they refused since they won't consider them fraudulent charges, even though I have never authorized the charges. 

BBVA Compass is not disputing anything, they simply sit on a transaction for as long as possible and then close it with no evidence or support. They won't even file disputes on the consumer 's behalf ( their member ).
I 've put various complaints in w ith Barclay  regarding fraud committed by at the time my husband in which he had also taken  XXXX  other credit cards out under my name and each of those banks, did their investigations and found all credit cards taken out in my name to be fraud. Those credit cards are  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX  , utility bills, gambling sites, and IRS. Also included was IRS and Mai l Fraud.  This particular credit card company because bills were being sent to the address they have on file which was my current address is the reason they are not investigating this as fraud. My husband was   XXXX   I worked and he did n't work and was receiving all mail correspondences at this home. I 've never seen a bill or even knew he had used my ss number to take this card out. I received a letter from a  XXXX   XXXX  - Customer  Advocate Team  in which I 've emailed him back on numerous occassions and he never responded to any of my emails including the police report filed, letters from other banks stating fraud was committed as well as filed numerous complaints. I have discussed this with my lawyer who has asked me to do a final contact  to Barclays  before I take other actions. After reviewing all the proof I 've collected to my lawyer, my lawyer stated I can receive serious damages for the credit issues my husband at the time has caused. There is  a PFA  against  XXXX   XXXX  and I am prepared to work with  Barclays to  sign anything needed to clear me from this fraud. Please let me know
On XXXX XXXX, XXXX 21st Mortgage sent me a letter in regard to my first complaint # XXXX. The payoff amount at that time was {$870.00} good through XXXX XXXX and {$890.00} good through XXXX XXXX, XXXX. When I called XXXX XXXX, Staff Attorney it was changed from those amounts to almost {$3000.00}. I had explained to him that I wanted to pay it off and he did n't comply he paid the insurance and now I have to pay this amount. I have called them on numerous occasions and now they are sending me a foreclosure notice because of this saying I owe them {$870.00} or they would take my home. I tried to call XXXX XXXX, a financial counselor and he hung up in my face. The next thing I know I am talking to a woman who is being rude to me and think she can say and talk to me how she wants, I immediately told her I wanted to speak to either XXXX XXXX or XXXX XXXX. She left me on hold for approximately 25 minutes and they ( meaning 21st mortgage ) sending me to different places and different people. This company and their scare tactics has driven me to become XXXX and afraid. I am a XXXX Veteran with XXXX XXXX XXXXXXXX due to XXXX and XXXX XXXX. They refuse to let my daughter speak with them and when I am on the phone with them, they are threatening me and telling me there is nothing you all can do about it. I would still have to come through them and they can make my life a living XXXX if I do n't pay them. Since then I have called my doctor and explained to them I am having XXXX  because of this event that is taking place in my life. I ca n't sleep or eat and I am losing weight not trying to lose and my XXXX XXXX is very high. PLEASE I AM A VETERAN THAT NEEDS HELP AND I DO N'T KNOW WHERE TO TURN AND WHAT TO DO. During Hurricane XXXX there was a trailer company that came to XXXX XXXX La and everyone was so devastated they wanted to come home and brought trailers from these people, and so did I. 21st Mortgage have ripped off a lot of people old and XXXX because they do n't have anyone to fight for them. If I owe them {$3000.00} why are they sending me a book for another year that I owe them how is that possible.