WillisBack/dataset-financial-user-claim huggingface dataset:
I had purchased a home back in XXXX XXXX and Bank of America had approved the first mortgage. I wanted to make changes around the home and decided to apply for a HELOC and was approved for the equity line. I had paid my payments on time until circumstances beyond my control left me in a financial bind. I struggled to keep my payments current and finally I was unable to keep up with all obligations. With the housing development that took place I was upside down on my property. I spoke with an attorney who explained I could short sale the house and though it was going to still be a negative reporting situation it would n't be a foreclosure and the bank would still recoup some of their funds. I gave Power of Attorney to my Attorney to handle the confusing process. Bank of America did agree to the short sale but then I was informed the 2nd mortgage had to remove it 's 2nd lien to be able to do so. There was an agreement made with XXXX XXXX to remove the lien but that we would still pay them which we have. In the process of having this drawn up Bank of America transferred the mortgage to XXXX XXXX. My attorney had tried to complete the short sale but XXXX would not communicate with our attorney. 
We had moved from the home and were over an hour away from the property. We were never notified that the house was being foreclosed on. My wife had driven by the house to try and complete the clearing of our items when she saw there was a notice pinned on the door indicating the house foreclosed. We spoke to the attorney and he said they did not reach out to him nor us and at no time did they try to communicate with us. 
I have tried to get information from XXXX and they still will not respond. I have disputed this with the bureaus and the bureaus have been no help. The way this unfolded was underhanded when we were only trying to do the right thing. 
I have requested records from XXXX payment history etc, and they will not respond.
I have always made automatic payments on my card. I did not see, nor was I contacted to let me know that the recurring/automatic payments were stopped. The company changed websites and appears to have changed the issuing bank, which I believe led to the auto pay stopping. My balance due was only {$20.00}, but then they charged me over {$60.00} in late fees! I have no issue paying the balance due whenever the auto pay was stopped, but they will not accept that.
I filing complaint to express concerns, due to previous discussion with  Navient Representative since 2013    regarding my Loan and  XXXX . In addition, I explained to Representative unexpected illness of my multiple medical condition that affect my health and safety. Problems with customer service, I did n't receive helpful information about loan options. The Representative provided unclear information and suggested that I continue to file a deferment application for my loan that continue to accrue interest
This is a new complaint to eliminate any confusion of it not being filed by the Primary Card Holder of this account. Card has two balances : Standard Purchase & Standard Cash. XX/XX/XXXX Paid {$600.00} online. XX/XX/XXXX On XX/XX/XXXX statement payment was not allocated per Card Member Agreement. XX/XX/XXXX Called Customer Care with my complaint and after many repeated explanations ( from three people ) of how payments were applied to the overall balance and no answers of how the payments were applied to the individual balances, was finally given a dispute reference number XXXX to have the reconciliation group look at the situation. XX/XX/XXXX Received letter ( dated XX/XX/XXXX ) with explanation outlining how payment was allocated with the statement that the New Balance " ... on the Standard Cash portion was {$360.00} ... .. ''. This was close to what I expected for a balance however ; the account only reflects a combined balance of what the letter stated so I expected the Standard Cash Balance to be corrected on the next statement. XX/XX/XXXX Paid {$200.00} online.
XX/XX/XXXX The XX/XX/XXXX statement still did n't reflect the allocation described in the XX/XX/XXXX letter. Called Customer Care XXXX spoke with XXXX, XXXX XXXX XXXX. who finally told me the Standard Cash is not {$360.00} or {$410.00} ( XX/XX/XXXX statement ) but is {$560.00}. She started a case and have someone get back to me ASAP. XX/XX/XXXX Paid {$300.00} online. Called Customer Care for status on the Standard Cash Balance.  XXXX said no case number was entered. There was a click code entered asking for Balance Recompilation. She says they sent a letter out on XX/XX/XXXX ( I havent received ). She then says they are still working on it as of today. She says the click code ( XXXX XXXX ) is the same as a case #. XXXX is making a Billing Inquiry Case XXXX XXXX. She says it will take a few days to hear anything and she took my phone number in case they need more info. XX/XX/XXXX Called XXXX, Customer Service for status on XXXX XXXX. He asked for particulars, so he can get it fixed. He has XX/XX/XXXX letter. Had him read the Standard Cash {$360.00} balance figure, then look @ XX/XX/XXXX ( XXXX ) & XX/XX/XXXX ( XXXX ) Standard Cash Balances.. After 15-20 he determined the current Standard Cash balance of {$560.00} is due to the current inquiry ( XXXX XXXX ). Tomorrow ( XX/XX/XXXX ) is the end of the Billing Cycle and the Standard Cash portion should be {$250.00}. Should be way less because of the {$300.00} payment made on XX/XX/XXXX. Received letter ( dated XX/XX/XXXX ) which closed XXXX XXXX and put the {$560.00} back on the Standard Cash Balance without explaining anything other than referring me to the Card Member Agreement. XX/XX/XXXX Paid {$150.00} online. Called Customer Care explained nothing had been resolved received dispute number XXXX XXXX Received a letter dated XX/XX/XXXX stating XXXX XXXX has been concluded and {$490.00} has been reapplied to our account. <P/>This has all transpired without any new purchases or cash advances in XX/XX/XXXX by us. The only transactions on our part have been to pay every month on time and more than the Minimum Payment.
I had spoken to XXXX XXXX XXXX on several occasions about my monthly statements and how I could receive them. Around the same time our mortgage was going to be transferred. I asked him if our credit file with Statebridge could be deleted, he requested that I send in a letter asking for the removal of the negative information, which he assured me the account would be removed. I did this in XXXX 2016 and got no answer, I also disputed the fact with XXXX XXXX credit reporting and have not received a response. XXXX XXXX states that their investigation has been completed but there is no update.
I last physically used my card to travel from XXXX where my college is located to the XXXX on XXXX/XXXX/15, and since I was home I did not pay any mind to my card. To my knowledge it was in my bag, my mother drove me back to school and I was well occupied with my studies until the following friday morning I wanted to purchase something and my card was no where to be found. I called and the bank, Bank of America and they put a hold on my account, then I checked my bank statements and there has been irregular activities, and large amounts of money being deposited and withdrawed. I went to receive a new card at the bank, and soon after they closed my account due to fraud. I filed claims because there were a XXXX of dollars that were deposited and withdrawed that were never mine. I called costumer service for Bank of America and they told me I would be held responsible because the card was being used in the ATM, I am well aware that I am the only person that should know my pin but I did not make any of these transactions. I never authorized any of these transactions. There were also XXXX money orders that were deposited under my name and I have copies of these transactions mailed to my home. Since then I have been trying to resolve this problem with Bank of America and they have not been helping with the situation, they repeatedly just state that I am responsible to pay the negative balance on my account. Bank of America should be responsible for allowing these transactions because the money orders that were also deposited were for 22 cents and the person who is in possession of my card altered the amounts to XXXX of dollars.
Approx XXXX I sent a dispute to Transunion about a XXXX on my credit report that I wanted them to investigate as not mine .They came back on XXXX with a verified as accurate. I sent another letter to them XXXX asking them to reinvestigate and verify the method of verification, and to use my name, address, social security number and birthdate. On XXXX they sent a letter to me, that they will investigate the dispute, by contacting the source, or hire a third party to check applicable local, state and federal court records to verify the accuracy and / or completeness of the information reported. 
That has been over a month with no new information from there last findings of the investigation.
My issue is with Coinbase. I have an account with them and have bought thousands of dollars worth of Cryptocurrency. I saw an authorized deduction from my bank account for the amount of {$1000.00}, so I submitted a Helpdesk ticket on XX/XX/XXXX on Coinbase.com per their instructions. After I submitted the ticket, the money magically appeared in my Coinbase Wallet, not sure if they put it back or it was glitch in the system. They proceeded to lock me out of my account and now I ca n't access my account that has thousands of dollars in it. I have tried calling them every week since then and I get the same response, someone is working on it. They wo n't let me transfer my money or take it out, or close out the account. They are basically holding my money hostage.
After four months of being lied to and thousands of dollars spent ( because that was the only way we were going to refinance through FHA ) XXXX XXXX dropped the ball. This has been a horrible experience. They asked us to give the a foundation certificate ( among other items we have provided ) that we gave to them months ago. Then at the very end of our loan ( 4 months ) said we needed to re-due the foundation with in a week or they cant help us per FHA. FHA does not require this. It comes down to the fact that we have a manufactured home ( in great shape ) and instead of telling us at the beginning of this four month process that they weren't going to refinance manufactured homes any more, they gave of a list of items that they were in hopes we could not provide. This last item would cost several thousand dollars, they new this. They have ruined our credit ( we had to max out all credit cards and spend all of our savings to replace roofs, windows, etc. I have emails and documentations to prove that they told me several things that were not at all true.
There have been unauthorized inquiries on my Equifax credit report, they need to be removed immediately as i have already contacted the creditors who to recognize they 've made an error. I 've sent the creditors responses to Equifax who totally ignored the letters i received stating the inquiries should be removed. This this taken care of as soon as possible otherwise ill seek immediate litigation.
I have XXXX debt in my life. I have always paid all my bills on time and in full. i checked my credit as well, and I'm clear. And no letters in the mail. And all of a sudden, the past 3 weeks, I am receiving a call everyday from united collection bureau from # XXXX. And they say to call XXXX. They never say my name or specifics. Scam! Please help me to get them to stop!
I became aware of  XXXX  credit accounts and the  XXXX  collection accounts associated with the original credit accounts in  XXXX    XXXX   when  On-Site.com ran a tenant screening on me. The accounts are the result of i dentity theft. I have filed a report with the Federal Trade Commission and my local police. I disputed the accounts with On-Site and supplied them with the reports from the FTC and the police.    On-Site r efuses to block or remove the fraudulent accounts. Additionally, they have not provided me with any proof of investigation into the matter on their end.  On-Site  continues to report inaccurate information. The accounts in question are   XXXX   XXXX   XXXX  ,  XXXX ,  XXXX ,  XXXX , and  XXXX . The collection accounts associated with the accounts are  XXXX   XXXX  x  XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX . These accounts are all the result of identity theft.   I have submitted disputes for all the accounts with On-Site o n 3  separate occasions. On-site has done nothing other than add my statement to their report.
I obtained a VA loan from Freedom Mortgage corporation during XX/XX/XXXX, my first payment was during XX/XX/XXXX. I have paid the loan each month on time, and many of my payments included an additional amount to be applied towards the principal balance of the loan. Each month Freedom Mortgage provides me a statement that indicates what portion of my payment was applied to interest, principal, and escrow. They also provide a breakdown of the same information for my next payment. It is impossible for Freedom Mortgage to determine in advance how much interest will be applied, unless they know the exact date I will make my next payment. The scheme they have developed is, apply a pre-determined amount to interest, and the remaindered deferred and they apply interest to that unpaid portion of the payment. I figured this out when I called for a payoff of my loan and learned of the large difference between the reported outstanding principal balance on my monthly statement and the actual payoff. I know there is and should be a difference mainly because of the interest that would have accrued since the last payment. My statement balance on XX/XX/XXXX reported an outstanding principal balance of {$220000.00}, however when I called for a payoff, I was told it was approximately {$220000.00}, that is a difference of about {$1400.00}, not the few hundred dollars I would expect, please note that my interest rate is only 2.25 %. The bank should be applying interest based on the principal amount due, accrued interest, and loan interest rate. There should not be a deferral of interest that also accrues interest. 
I understand how loans work, and how interest is computed, I am a XXXX in the state of Virginia and I knew something was fishy but did not conclude what was going on until I requested a loan payoff.
I 've disputed the information with XXXX, Equifax, and XXXX about duplicates listed on my negative account regarding student loans. XXXX loan is listing for only XXXX $ but is clearly a part of the loan with the same account number and open dates. There are other student loans from Dept of Education/XXXX with the same everything thus, listing that I have XXXX negative accounts when there should only be XXXX. This is really hurting my credit score and I ca n't get the Dept of Education ( since the loans are no longer with them ) nor the credit bureaus to correct this information.
I am XXXX and on SSI. I informed Navient of this and instead of offering me the Zero pmt option, they have given me a forebearance for years turning XXXX to now XXXX with over XXXX in interest. They just today notified me of the XXXX balance. I am currently trying to get a dismissal of the entireloans, but never did they teel me how much the forebearances would cost me!!! I am XXXX therefore have NO taxible income and I notified them of this 5 yrs ago, yet they continued to rack up interest making me own double now!!!!
Wells Fargo closed a business partnership account without calling me and I had emailed, called and went to the XXXX CA location requesting to close this account and they told me no. Then after I filed 2 police reports that the business partner had stolen from me they continued to allow withdrawals and even allowed the business owner to close the account when the denied me the opportunity. The other business owner was obviously made to send me 1/2 of what little bit was left in the account via a cashiers check. I have yet to cash it because I am not excepting this by no means. I feel like Wells Fargo is fully responsible and they should not only refund me the 1/2 of the cashiers check, but the months of debits made by my business partner because I had reported it to them and they did not allow but allowed her to close it for whatever reason. I have went in and called to complain with numerous emails and not one person has reached back to me with a response.
On  XXXX  we tried to get a modification of our mortgage loan but we did not get it ; therefore, we decided to ask for a Short Sale approval. We got the approval from   XXXX   ( they had purchased the original lender ) on  XXXX   XXXX , and the whole short sale process was finished by  XXXX   XXXX .     Almost 3 months later, on  XXXX   XXXX , we received a letter from  XXXX  announcing again we did not qualified for modification and asking to take one of the options they explained to avoid foreclosure. Obviously, we did not pay attention since we supposed that eventually someone in  XXXX  would realize of their mistake. Unfortunately for us, it seems it was not the case, and a negative entry in our Equifax and   XXXX   reports says " Account paid after foreclosure started ''.     I have filed this dispute to Equifax three times. The first time on  XXXX   XXXX   XXXX , the only thing we got was a  XXXX  points reduction in my score. Second time, on  XXXX , Equifax did nothing. On  XXXX   XXXX  this year, we filed again a new dispute and sent proofs : Approval from  XXXX   (   XXXX   XXXX   ) , HUD Deed  (   XXXX   XXXX   ),  Mortgage Release (  XXXX   XXXX  ) and the inconsistent letter announcing a future Foreclosure dated  XXXX   XXXX   XXXX . At the same time I faxed all these documents to  XXXX .     Today I got an alert from Equifax and the false statement is still there. I called Equifax and despite the fact of being their customer for many years, and even being totally aware of this false statement because the letter announcing foreclosure was produced and sent  THREE  MONTHS AFTER we had settled, they said they can do nothing.
This is a complaint against Barclay 's Bank Delaware ( XXXX XXXX XXXX and LLBean Visa Card ) for the failure to follow in good faith Fed. Res. Regulation Z 's credit card dispute prodcedures. On XXXX XXXX, 2016, I mailed by certified mail a letter claiming a billing error on my account statement for the period XXXX. The letter arrived on XXXX XXXX and was picked up on XXXX XXXX by an " Agent ''. 
In the complaint, I stated : " On my recent statement for the period of XXXX a single charge of {$99.00} is shown from " XXXX XXXX XXXX '' ( applicable page from statement attached ). This charge is unauthorized and I made no such charge. I called the number shown on the credit card statement. XXXX is the XXXX. I do have a XXXX subscription XXXX BUT I was told that my subscription is free and that they had no record of any {$99.00} charge to me. Since they had no record of the charge, they were unable to help me. 
Therefore, please remove the {$99.00} charge from my account. " My account no., name, address, etc. were all statement clearly in the letter. I believe the nature of my dispute was clearly stated and only required an investigation and response as required by Reg. Z. 
Today XXXX XXXX XXXX ) I received XXXX letters dated XXXX XXXX from XXXX XXXX about my dispute which I believe are identical. They XXXX say : 1. They need further information. 
2. ''... and we attempted to contact you on XXXX XXXX, 2016. 
3. " Since we have not received a response, we assume that you no longer wish to dispute the charge and we have closed out investigation '' 4. They tell me if I wish to continue the dispute to basically resubmit all the information I already submitted. 
I believe this is all contrary to the requirements of Regulation Z for several reasons : 1.I do not believe the need for additional information was made in good faith. I think my original statement was reasonably clear and only required contacting the merchant. I suspect that this request is made to " throw the ball back '' into the consumer 's court with the hope that the consumer will not respond so the card issuer can drop the dispute. 
2. Even if you assume that this is not the case, XXXX XXXX said they tried to contact me on " XXXX XXXX ''. This predates my letter to them which was not mailed until XXXX XXXX. 
3. Even if XXXX assume that the XXXX XXXX date was in error and XXXX XXXX meant XXXX XXXX, it sounds as if they attempted a single telephone call. I have no record of a call or any other follow-up communication for that matter. I do not think a single call attempt is all that is required XXXX. 
4. Even if they did call on XXXX XXXX and did not get me, I believe that a reasonable next step is to write me ( as I was required to do to initiate the dispute ) and tell me specifically what further information they require -- not to drop the dispute and require me to start all over again. 
Over the years, I have experienced similar conduct from other card issuers about billing disputes. I hope the CFPB can not only rectify this complaint but can put a stop to what I believe are wider bad faith practices on the part of card issuers. Thank you.
I opened a Citibank interest checking account on XXXX XXXX, 2016 and deposited {$15000.00} into that account from by CIT Bank savings account on XXXX XXXX, 2016. I received checks for the account about a week later. On XXXX XXXX, 2016, XXXX cents of interest was deposited into the account. Today, XXXX XXXX, 2016, I logged into my account to find that the account was closed and that all of my money was gone. When I called Citibank, they refused to give me any information except to say that I would need to speak with an account specialist and that account specialists are not available on Sundays. When I pressed the representative, she told me all of the money had been withdrawn from my account by the back office. I have received no communication from Citibank whatsoever and now I will be forced to take time from work to determine what happened to my funds. As far as I am concerned, my funds have been STOLEN. DO NOT DO BUSINESS WITH CITIBANK! THEY ARE AS DISHONEST AS XXXX XXXX!!
I had a call Weinman acquisition collection company on XX/XX/2017 about XXXX XXXX and it instructed me to push 1 and I did. A gentleman came on the phone and I listening and he told me it was a bad debt for cash net and I tried to ask him how much was left owe and he then stated at this time I was a rude lady. I hung the phone up. The Gentleman called me back and said this will not make you debt go away. I asked again how much was left owed he stated at this time I should know and he also said I was XXXX and that I was XXXX. I asked to speak to someone else and he said you are not speaking to anyone else. I started making a noise make him listen. I then decided to hang up on him. I had to look on my caller ID to get a number to call back. I was sent to a director named XXXX and explained exactly what happened and I told her that was degrading and I do not believe that he should have spoke to me that way.
I have disputed the following with all three CRA 's with a dispute reason of " contract cancelled '' notating " no contract '' from XXXX-2017 forward. The accounts were never verified or validated by the CRA 's and no additional information was provided. 

The contracts were cancelled with the creditor and I did not sign any contract with the collection agency that they sold the account to making my liability with the collection agency null and void. 

XXXX- {$310.00} XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX- {$60.00}