WillisBack/dataset-financial-user-claim huggingface dataset:
They have threatened me and I am not sure why, I have told them on several occasions that I will not verify my information due to past identity theft issues. the lady in the pre-legal dept proceeded to cuss me out and threaten me with legal action and jail. I did not verify myself so she hung up on me. I told her unless she can prove I owe this debt then to stop harassing me.
On XXXX of 2015, I moved fromXXXX XXXX, XXXX XXXX ca XXXX to XXXX XXXX, XXXX XXXX, ca XXXX, my cable co now and then was XXXX XXXX, per thier instruction I left the cable 's equipments on the old home and paid my balance in full, few todays ago I tried to refinance my new home for better rate, I notice I had unpaid debt from XXXX that reported to Credit Controll, so I called XXXX and spoke to XXXX XXXX XXXX, after 10 minutes of researched he did locate the equipment at old resident and noted the account and reported to XXXX XXXX but due to error in reporting me to credit bureaus without notifying and now it costing me almost few hundred dollors amount, XXXX and credit Control must emmedaietly remove this costly reporting error to credit bureaus and FCPB make them to pay penatly for destroying my credit report.
Repeated harrassment phone calls at my place of business on the XXXX day of the month ( mortgage payment due on XXXX to the XXXX -- STATED ON MORTGAGE!!!!! ) -- Just to help stop harrassment, I am mailing payment two days before XXXX -- due to mail -- not there yet -- they are making me lose my temper at my business -- causing stress -- please make them stop calling me immediately.,
On XXXX XXXX, I took a withdrawal of XXXX from my XXXX XXXX XXXX account using a Citibank ATM outside of the branch at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I am also a Citibank customer and attempted to deposit {$900.00} cash into my citi checking account ( {$800.00} from the previous withdrawal and {$100.00} cash ). After attempting to deposit the cash 3 times, the machine gave me credit for {$330.00} and then spit out a error ticket claiming an error occured and to call customer service taking my whole amount of {$900.00}. I immediately went in to the branch and was told there was nothing they can do, and to call Monday. After 7 attempts of reaching someone Monday with no luck, I called Tuesday afternoon and spoke to customer service. I was told they have no information and to contact the branch. I called and spoke to a woman by the name of XXXX, she explained they would " escalate '' my issue.I was called at EOB on Tuesday evening and told the amount would be in my account in the morning and I would be called in the morning. No one called. I called back and was told, I now have to wait 7-10 business days as they are investigating something. They said there is nothing they can do and I need to wait. How is this legal? they have {$600.00} of my money, I have bills, they told me they found the discrepancy and yet I have to wait? I have bills, and a life to live. HOw is this fair that I am being punished due to an ATM Malfunction?
In XXXX 2011, my mom and I purchased a multi-family house in need of renovation, from Bank of America for $ XXXX in a short sale. At the time, the Bank of America loan officer handling the short sale ( XXXX XXXX XXXX ) told us the house would not qualify for a financing via a conventional fixed mortgage with 20 % down, due to the condition of the property so he arranged an FHA loan, even though we had enough cash on hand to buy the property outright at the time and would have preferred conventional financing. The FHA loan came with a mandatory 5 yr PMI payment that we were told we could remove once we reached the 5th year by providing documentation of the increased equity value from the renovations we were undertaking and paying for a new appraisal to verify the improvements. To date, we 've improved the property by more than {$95000.00} in materials and restoration work. At closing when we asked again, the Bank of America loan officer repeatedly assured us that upon presentation of the completed renovations including all new windows & door, new porch, new deck, new kitchens, new bathrooms, new plumbing, new hot water heaters, new furnace & updated electric, we would be able to remove the PMI. It has now been 5 years and upon contacting Bank of America, we are being told something entirely different. They say we can not remove PMI unless we make an equity payment of a lump sum to bring the loan value to 78 % of the original purchase price & appraisal value ( which is significantly undervalued because of improvements ), even though we were specifically told otherwise as we went through the loan process and also upon closing. This is not what we agreed to nor did we sign anything that said that.
In 2006 members of the community HOA opened a CD with Fifth Third Bank or a predecessor bank. As the current President of the HOA, I tried to redeem the CD and was told that since I was n't an original signatory, I could n't redeem the CD, that the original signers would need to come in. There are two problems with that. First, neither I nor the bank know who those individuals are. They looked at the original form and could see signatures but there were no names. The second problem is that the CD was opened eleven years ago and board members from that time have either died or moved away. 
Our property management company is named on the CD but they ca n't get the funds either. The CD matures on XXXX and will automatically roll over again unless redeemed. Any assistance would be greatly appreciated.
Chase Bank Dispute number XXXX : XXXX -- -- Defective Product & Unable to Contact XXXX Inc. 
1 ) Hard drive was purchased online from XXXX Inc. 
2 ) Drive arrived by mail but was defective. 
3 ) No contact information or invoice was included in package. 
4 ) No contact info ( email, or phone or form ) on company website ( XXXX ). 
5 ) Found XXXX inc phone number with a google search, but one has to know an exact extension number to get though. It is not possible to leave a message. 
6 ) XXXX Inc is in violation of its merchant agreement by not providing contact information to customers. 

-- -- Chase Bank Fails its Professional Duty of Care Contacting XXXX Inc. 
1 ) Without being able to contact XXXX to address the defective product, a dispute was filed with Chase Bank. Chase representative also did not have correct contact information for XXXX XXXX. 
2 ) The above 6 XXXX Inc details were provided to Chase during the dispute process, but Chase failed its professional duty of care by not communicating the drive was defective to XXXX Inc. responded to the dispute not knowing the drive was defective and not knowing the customer was unable to contact XXXX Inc. 

-- -- Chase Bank Fails its Professional Duty of Care Contacting XXXX Credit card Customer XXXX. 
1 ) Letter dated XX/XX/XXXX from XX/XX/XXXX of Chase Bank was received by XXXX via paper mail but after the response deadline ( XX/XX/XXXX ) due date stated on that letter ; therefore, Chase Bank sent a letter with a response due date requirement that was later than the date the customer would receive the letter in the mail, making a response by the due date completely impossible. 

2 ) This lack of a professional duty of care by Chase Bank with respect to the handling of its XXXX credit card disputes is not an isolated incident, but is instead habitual negligence by Chase Bank not only negatively affecting XXXX, but negatively affecting all Chase XXXX customers filing a dispute.
we have lived in our home for 30 yrs. We are XXXX & XXXX yrs old. We have a son that is XXXX old who is a XXXX individual of XXXX. We have been scammed by our mortgage co as they have altered the income information greatly. Took my wife off the mortgage when she was the main source on income. Have a XXXX mortgage and we never took any money out of the house. My income was {$800.00}. per month from my part time job. The bank altered it to {$8.00}, ooo. per month. I did have an attorney look at the original loan documents and she has told us that it does most certainly appear to be fraudulent and it would take thousands of dollars to proceed. we do n't have the money we are broke. We would like the bank to make good on their error asap before foreclosure as the pressure and the stress at our age and XXXX are too much to bear any longer. We tried for a loan modification XXXX times with and without help with no success. They always needed more info or the info expired it was a two year process. I hired a group of lawyers to help us and they scammed us and also made us enter into a credit card program that was also a part of their scam. They are all under arrest and have been indicted by the XXXX XXXX XXXX 's office. that was over {$21000.00}. we lost. we have been in contact with that XXXX 'S office XXXX times after all their assets are seized some monies could be refunded to their victims. This has been going on since XX/XX/XXXX. We have no money to get a mobile home in a XXXX community, and we can not get any financing because our credit scores are not high enough and that is what I want to do. I am not looking to get rich over this but some money to buy a mobile home outright and some money for the anguish my wife and I have suffered would be satisfactory as this mortgage company has not helped us at all of even shown us some compassion from the beginning. They sold us a mortgage they knew we could not afford and would eventually foreclose on us. They know they are wrong we had an attorney put a cease and desist order on them as they were calling XXXX times a day and having me explain it over and over again. They have called some XXXX times since the cease & desist order was placed on XX/XX/XXXX. 
I am really at the end of my endurance financially, emotionally, and self worth their is nothing else for us to do. Soon we will be homeless I never thought my life would end this way after all the years of hard work this is what we have come to in our lives Thanks
I recently pulled my credit report I found Bank Of America reporting a charge off as an authorized user the acct was opened XX/XX/XXXX and closed XX/XX/XXXX I never authorized anyone to put me on that acct please have them remove it aspa.
On XXXX/XXXX/2018 I made a payment to my Capital One credit card for the balance in full, I did so by selecting the " current balance '' option. There was a total of four different options ( other amount, last statement balance, current balance, and minimum payment. ) After paying my " current balance '' I was charged interest, even though my balance should be at XXXX. When calling Capital One to get this issue resolved they were unwilling to reverse the interest charge. I am currently waiting to speak with a supervisor, and have been for the last 26 minutes.
I was contacted by ELoan.They would give me a loan for any amount.All I had to do was get a XXXX card for {$170.00}. Then they would deposit the money into my account within 30 minutes. That was 3weeks ago. They called back and said they trouble putting the money in my account. My bank would not except the amount. So they called back again and told me to get a money gram for {$250.00}. Then they would give me back the money in a money gram and a cashier check. I called them back the next day to find out what happen and they said it expired and I would have to get another money gram again for {$250.00} and was so made and I said I could n't they said it will be a XXXX mintues again. So stupid me did will they said they money gram had technial difficultes and would call me the next day at XXXX. That did not happen at all. Now they wanted a {$380.00} to get my credeit score up to XXXX. If I did't pay that they would have it freezed by FCC. I did not have the money and I jut want my {$690.00} back into my bank account that they have.. i just live paycheck to pay check.Here is the Number of the XXXX I have not signed a thing with them it as all been on the phone Please help me XXXX XXXX XXXX
Over the last three years I had gone through financial hardship, and was struggling to keep my business afloat during from XX/XX/XXXX. I missed a few car loan payments because I had little to no income to pay down the vehicle loan. 

I took the necessary steps to get back on my feet and ended up resolving this financial hardship by closing down the business and gaining full-time employment as of XX/XX/XXXX. My salary is now six figures, which is more than double what I was making when I originally filed for the car loan in XXXX. The interest rate I'm currently paying today is way too high. Even though I requested a few times over the past two years to lower payments, the request was understandably denied by the loan company. 

This caused me to make more and more late payments and pay down whatever I could whenever I could afford to do so, including the additional late fees and penalties. In total - I was late on 14 payments over the last 4 years, however, have gotten back above water and am now in good standing with no threat to be late again. I might even be able to pay off the entire loan balance ahead of schedule.
mortgage payment increased without notice from approx $  XXXX  to $  XXXX .   I have automatic payment setup ; my account did not have enough to cover the {$570.00}. They called me stating that I owe {$570.00}. I did not know why it was {$570.00}. The caller did not know. therefore, I told the caller to research, call me back and I will pay if it is something I owe them. She did not call me back with the answer. I received another call again. eventually, someone was able to transfer me to someone who could help with the issue. I told the lady I never received a notice stating that my mortgage payment has increased. Change of mailing address was reported. She said someone from executive mortgage department will contact me.  XXXX   XXXX , mortgage officer, called me. I explained my issues. She said she will research and call me back. in the mean time, next month 's payment was coming due. I said I can not pay for something I do n't know what I am paying.  XXXX   XXXX  called me back eventually and explained. I payed the two monthly payment I owed. However, I explained to her that I should not have been charged late fees and also that I was charged overdraft fee from the other bank. She said she will look into it. she asked me to fax her bank statement. I faxed it. few days later, when I called her, she was not in her office. Later someone else called me back. she said she will be working on my case. I also requested that late payment should not go on credit report since it is not my fault. I was never late with my payment before this incident. She said she will mail me some document where I can request not to go on my credit report. I never received it. During this time, many times I had to correct my address. they say it is incorrect in the system. It almost sounded like the person before typed it incorrectly. it happened several times. mortgage officer said I need to give her exact date when I initially requested change of mailing address. I do n't have those dates because I did not think I would need it. I feel that they do n't care about their mistakes. they are not willing to work with you. I paid both payment as soon as they explained to me why my payment has increased. late payment on my credit report will hurt my credit. I was charged late fees and overdraft fees due to wells fargo pulling {$570.00}. If I had known my payment has increased, I would have made sure there is enough money before they pull the mortgage payment. I was never late on my payments before this. This is very frustrating and disappointing. I feel helpless. They are big company and I am just a small person. I feel they do n't care. It is not fair. In future, I will never do business with them. This will be my last mortgage and last acct with wells fargo.
Hello I have a M & T checking account that is set up for direct deposit for child support, when the first deposit came into my account it took 1 day to be deposited into my account, now my bank is taken 3 business days instead of instant deposit, at first it was the next day, then it was the second day, now for the the second time it 's 3 business days, for instance my children 's child support said XX/XX/XXXX and now it 's XX/XX/XXXX, and no child support deposit and the ignorant thing is my bank wants to blame child support, and child support is saying it 's my bank who 's not depositing it. 
Who is holding my children 's money and why? It 's not any one 's money to make money off my children 's money, in less they 're going to give us a percentage of what they 're making on my babies money over the years. 
I 'm XXXX
On XX/XX/XXXX I was charged an amount of {$880.00} by XXXX XXXX XXXX ( merchant ), a whopping {$700.00} more than what I should have paid for the service. I contacted the merchant ( XXXX XXXX XXXX - a subsidiary of XXXX XXXX ) on XX/XX/XXXX, trying to resolve this issue and was met with hostile customer service practice. No refund was issued. The merchant simply sent me the same receipt that I am in dispute with. The merchant has recorded record of my call with them on XX/XX/XXXX, and know that I have no control of the vehicle since XX/XX/XXXX. 

I also immediately filed a dispute with Bank of America for the same amount of {$700.00}. On XX/XX/XXXX, I received a letter denying my claim citing merchant has proof of receipt. I called to Bank of America on XX/XX/XXXX expressing that I disagreed with the result, asking the bank institution to at least try to hold this fund while my complaint is being filed with the Attorney General 's office in Washington DC. In this case, the bank did not do enough to stand by its customer 's side to fight with amount that was wrongfully charged. By the tone of the service representative of the Claim Department, it sounded like something that they would not spend an effort to fight for, asking me to send proof of receipt, when my dispute was with the receipt that I have received from the merchant.
I purchased XXXX dollars worth of Bitcoin on the XXXX app Coinbase on XX/XX/XXXX, and sold XXXX dollars worth of Bitcoin on XX/XX/XXXX. I have not yet received my funds which were supposed to arrive no later than XX/XX/XXXX. 

I have contacted Coinbase " support '' through multiple facets, such as IM on their website, email, and phone, but it is to absolutely NO AVAIL. This is incredibly disappointing, as I have essentially been robbed of my money. One must take self accountability to losing money due to poor investments, however this is just plain FRAUD and theft. 

Coinbase has only responded to me once with the " We are looking into your issue and are working hard to resolve this '' type of message ... 2 weeks ago. 


I am a struggling college student and I have definitely learned my lesson -- but I need my money back. Please help.
I called in and ask them what bank and account number to the check was cashed into and they would not give me an answer which is something that the bank would have. They are not providing me with any Bank information which is pertinent to knowing who took the money out of the account and where the money went into
In XXXX, I opened an account with PNC Bank. The account included benefits such reimbursement for using non-PNC ATMs, reimbursement of foreign exchange fees, as well as others. In the last year or so, branch staff told me that their accounts had changed but that I was " XXXX of the lucky ones '' and that my account and subsequent benefits were " grandfathered in. '' I was told this by staff at XXXX separate PNC locations, and even have an email dated XXXX/XXXX/XXXX from a branch representative claiming this was the case. I recently returned from a trip abroad and was rudely surprised to realize I had been charged foreign exchange fees AND ATM fees which were not reimbursed even after well over a month. I began to look at my account very closely and realized that in XXXX XXXX I had other non-reimbursed fees. I inquired about this at the bank, and they said they must have been wrong but that their was nothing they could do. They sent the matter to their " escalation '' team who also said there was nothing they could do. I did not receive any direct communication from PNC by email or mailed letter alerting me to any significant benefit changes on my account. Had I been told I no longer had the benefits I believed I had, I would have IMMEDIATELY switched into the account that I now currently have which I 'm told ( though now I find hard to believe ) comes with up to {$10.00} in ATM fee reimbursements monthly as well as free certified checks, checkbooks, and an increased percent cash back for credit card purchases. I have consistently kept thousands of dollars with PNC and would have easily qualified for this account previously ... had anyone alerted me to the fact that I no longer had my old benefits.
When I re-finance my house with another company, Wells Fargo over charged fees, interest and kept money from my scroll regarding insurance and taxes. I called Wells Fargo and the response I got was that any money due to me was going to be paid under their discretion and there was nothing I could do.
I have an active XXXX that I opened several years ago with XXXX XXXX. In XX/XX/2018 XXXX sold their credit card portfolio to XXXX XXXX, a subsidiary of XXXX XXXX   XXXX  XXXX, XXXX, South Dakota. XXXX sent a letter to me and all customers notifying them about the portfolio sale to XXXX effective in XXXX. 

In XXXX, when XXXX XXXX  XXXX  XXXX reported my XXXX account to TransUnion, XXXX  and XXXX for the first time, my XXXX  credit scores with these 3 credit bureaus all dropped dramatically. My scores dropped 103 points with TransUnion, 97 points with XXXX, and over 50 points with XXXX. 

I did not have a late payment or an increase in my balance, or any other negative action on my part. In fact my TransUnion report that I access through XXXX noted that I had paid the balance lower and they showed that as a positive change. Additionally there are no other recent changes, late payments, increased debt, or any other negative items on any of my other accounts. This drop in my score is definitely the result of the XXXX to XXXX sale. 

So, because one financial company ( XXXX ) sold their credit card portfolio to another company ( XXXX XXXX XXXX XXXX  XXXX  XXXX ) the result of their actions is my credit score plummeted about 100 points. I did nothing wrong here. I should not be punished and harmed when I've done absolutely nothing wrong. 

I have called each credit bureau and XXXX XXXX, as well as contacted XXXX XXXX XXXX XXXX. I also filed disputes with TransUnion and XXXX. Results : XXXX told me they are reporting correctly and the credit bureaus responded that they investigated and verified the details of my account at XXXX. Everything shows paid as agreed and no other negative issues. 

Summary : I can not get an answer from any credit bureau about why they destroyed my credit rating and lowered my scores about 100 points, when this credit card portfolio was sold. It is not fair business practice to cause great harm to the consumer when I've done nothing but meet my obligations. The bureaus harmed me because two big companies sold this portfolio. I had nothing to do with that.