WillisBack/dataset-financial-user-claim huggingface dataset:
Santander is not operating fairly. In XXXX XXXX, I submitted a payment in the amount of {$360.00}. At the time, my payments were current. The entire payment was applied towards interest. I spoke to several representatives who attempted to justify why my entire payment was applied towards interest. Each representative implied that because I last submitted a payment in XXXX, interest accrues daily, thus the payment submitted in XXXX, as per Santander, was justifiably submitted towards interest. That may be their reason, however it is not justified. In XXXX, two partial payments were submitted in the month of XXXX to satisfy the payment for the month. As I was one payment ahead at the time, my next payment was not due until XXXX. Additionally, Santander claims that interest accrues daily and when payments are late additional interest builds between payments. This is what I do n't understand and none of this in explained in my contract ( please review ). How is it legal for a finance company to demand additional money other than what is stated in the contract? Late fees should be applied to late payments ; not additional interest that exceeds what in noted on the contract. Previously Santander responded that payments submitted in advance reduces the interest, apparently, this is not the case. 

My second complaint is I have a statement which reports my principal balance as {$8500.00}. However, after reviewing my credit report ( XXXX ), Santander falsely reported that I owed {$9200.00} - an increase to what I previously owed. This information greatly hurt my credit score. How and why are they able to do this? 

This contract with Santander has placed me in dire straits. I can not continue to pay for a car when the balance never goes down. The maturity date listed on my billing state is : XXXX XXXX, XXXX. However, given the amount of the principle balance, ( at {$360.00} per payment ) I am obligated to payment 23 additional payments - close to two years of additional payments and the car was financed in XXXX of XXXX? 
This can not be legal. 

Yes, late payments were submitted during the loan period. However, prior to now my payments were on time. Why does a XXXX dollar corporation ride on the backs of individuals who are put at their mercy to get approved for a loan? So is it fair to say that as long as late payments are submitted, Santander is able to apply additional money on the loan? I need answers. 

This is my ******SECOND COMPLAINT****** Please note, as of XXXX XXXX, XXXX, my principal balance, as notated on Santander 's payment ledger was {$9100.00}. As of today, as noted on a payment statement that I received in the mail, my principal balance is {$8500.00}. Please keep in mind, that my contract began in XXXX of XXXX and I have paid close to and/or over {$22000.00}. 
I would like a full explanation how Santander is able to receive additional money over the total amount that is noted on the contract.
I have a loan with USAA FSB. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and USAA FSB with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XX/XX/XXXX.
were locked out our online banking account w/o notification. KeyBank has a new webpage and did n't advise its customers. We did not receive any notification and thought the site as a phising scam site. So we did n't logged in and tried to log in again and were locked out. We tired to call and waiting twice once 25 minutes and then 20 minutes no customer service available. XXXX saturday XXXX. Called local branch and manager-XXXX ny was unaware of new webpage and also locked out of her account. We are concerned and alarmed about our money and This has caused XXXX not knowing whats going on? KeyBank has failed to advise customers of changes and customer service is unavailable to rectify my issue. KeyBank arrogance snubbing their nose at regulators and its customers is concerning and alarming.
CITI BANK tried to collect money ( XXXX XXXX and twice on XXXX XXXX ) owed them, saying it was past due, when I had never received a bill. I refused and ujpon receipt of the bill, discovered it was not due until XXXX XXXX.
This complaint is in connection with complaint # XXXX. I have since received paperwork from Ocwen and XXXX Bank that they are trying to foreclose on my house at XXXX XXXX XXXX XXXX XXXX In. The last time I had spoken with XXXX XXXX in Ocwen 's Ombudsman Office, she had said that she was going to check with her superiors to find out what could be done about the {$1300.00} they were saying that I had to come up with before they would start a NEW modification on my mortgage. I was never told or warned about any foreclosure until I got home from work XX/XX/XXXX and found the paperwork! There is also an open case against Ocwen since XX/XX/XXXXof XX/XX/XXXX that I would like to be a part of. Once my case is looked into further, you will find that I qualify and could help the case. Please help!
I'm trying to link my accounts together so I can transfer funds between my accounts and I was blocked from doing so ... Please fix the issue
On XXXX, my boyfriend at the time and his business partner, forgery XXXX checks from my personal checking account XXXX for {$100000.00} and another XXXX for {$10000.00}. I Submit my claim to the bank and to the Police Department, I got copy of the transactions, checks withdrawn from my checking account and deposited into another bank one account, proof of claim notarized by the bank and police report, and wait for 18 years, until a couple days ago finally the Executive Office from Chase call me and stated that they can not pay me my claim because of the time. my claim with Chase Bank is XXXX XXXX XXXX XXXX The lady that contact me from Chase Executive Office, to give me the news, really do n't know what to say, she shay to me that the investigation for my case was done and they found no claim on my case because is no documents to proof the claim, then I ask her what type of investigation they did if they do n't have any documents, she put me on hold and later she say that they do n't have any documentation on my claim. I send copies of my claim maybe 15 or more times throughout these years but they always will say that they misplaced and ask me to send it again and again. she finally say, XXXX yes we have some paper but does n't have anything that proof the claim. I 'm really frustrated please help. If I need to press charges against these people I will do it, but please help
Caught up in the sub-prime mortgage and the housing market crash, my mortgage has been tossed around to finally land with Ocwen loan servicing for XXXX. Due to the loss of employment XXXX for my boy friend, who contributes to half of the mortgage payments, and my job loss a couple years after, we have fallen behind in our payments. Starting in XX/XX/XXXX, Ocwen started refusing partial payments from me and ( sort of ) started the modification process that has been going on since XX/XX/XXXX and continues today. 
To summarize, from a time line I have compiled on my mortgage situation, I offer the following information : Summery : XXXX Modification Packets sent to Ocwen between XX/XX/XXXX - XX/XX/XXXXXXXX phone appointment re-scheduled by Ocwen XX/XX/XXXX-XX/XX/XXXXXXXX ( possibly more ) requests for additional information on my second employer. 
XXXX Relationship Manager changes. 
When speaking to modification representative as well as the weekly auto-calls, the service representative does n't seem to know any information on current correspondences or that I am already working on modification. 
Over this time the late fees, photographing the property ( which is only an image of the corner of our garage from the road ), un-realistic property value comp and a random fee for modification request back in ( I believe ) XX/XX/XXXX, that was not stated on any of the forms has been added to my debt to Ocwen. 
The big hold op for Ocwen seems to be my second employer which is a 15 week teaching position. After sending Ocwen my teaching contract, copy of the last pay stub and a letter from myself explaining the payment schedule, Ocwen tells me it is not enough and has to review it. Now on my last phone conversation with Ocwen, they said the information I had sent in regards to the teaching position does not fall into the government guide lines. Ocwen has put off another modification phone appointment so they can review the information yet again. Mean while, my anxiety and anger increases, I can not make any repairs or improvements on the house and myself and my bot friend can not get on with our lives without fear. 
Every time Ocwen requests a bit of information it is not always what they really need. They seem to communicate with out clarity. So I may send what they asked but dates will be wrong and then I have to fix that information. And so it goes around and around. I have gone through a local agency, XXXX XXXX ( XXXX XXXX ) who were a big waste of time and not helpful. I also talked to a finance councilor, who after giving them all the information the Ocwen has, told me that we should be all set for a loan modification. 
A friend led me to your organization and I trust you can help. Thank You. XXXX XXXX.
XX/XX/2018 I disputed a collection account that claimed I owed for pet severe damage to a carpet in the sum of {$1900.00} reported by a collection company called I.Q. Data. I had issues uploading supporting documents to XXXX showing that my son and I are both allergic to pets. There is also proof in my lease agreement that I never owned pets. I was ever fined or charged any pets fees over the course of my stay at the apartment. I was finally able to upload documents XX/XX/2018 yet XXXX will not reinvestigate I had even called a spoke with someone personally XX/XX/2018 and he said they would reinvestigate and the investigation was complete the next day. If XXXX doesnt resolve they will be included in my lawsuit against the debt collector and the original creditor. 
Prior to all of this we tried resolving with original creditor and in return were ignored and sent to collections, tried to explain to collection agency, and now XXXX has failed to do their investigation properly. 
As you will also see I have proof that we did a walk through with the apartment, they told us we didnt need to clean the carpet as they have a professional carpet cleaning company. During the walkthrough they mentioned NOTHING about the carpet needing to be replaced, yet replaced the entire carpet when we moved out. I have attached photos.
I have paid for all items received, a yearly XXXX XXXX Account and XXXX is now disputing multiple purchases will not allow me access to account and is still billing me for items returned.
To Whom it May Concern : I am attorney who has been trying to negotiate a short sale with SPS on behalf of my client, XXXX XXXX, loan # XXXX, for almost 11 months. Over the course of the last 9 months, I have submitted documents for consideration by underwriting, and underwriting has either ignored submission of these documents and requested them again, thereby pushing the " 30 days for the lender to make its decision '' out again and again and again. Most recently, which is what has pushed me to send this complaint, is that on XX/XX/XXXX, I was advised by SPS that my client 's HUD needed to be revised to add a 3rd party to the HUD with a commission. On that date, I had both the first client representative and then a manager review the listing agreement and advise me that the party, XXXX, XXXX, something like that, was not a party to the contract and therefore did not need to be added to the HUD. The matter was then " expedited '' for review to be submitted to underwriting again. On Saturday, XX/XX/XXXX, I again called SPS.  Underwriting had kicked the file back again with the same note, a certain 3rd party needed to be added to the HUD. Again, two representatives reviewed the listing agreement and stated that underwriting was incorrect and they would resubmit. My concern is that underwriting will simply continue to reject the HUD despite the fact that change that they are requesting is legally impossible. No one in the SPS call  center has a way to address this. My clients have been waiting 11 months for determination of this short sale. I do n't know what else to do. Thank you, XXXX XXXX XXXX, XXXX.
I am no longer disputing XXXX XXXX and XXXX XXXX Account.
Carrington Mortgage charged me bogus property inspection fees every two weeks. They also put my payments in a suspense account and charge me late fees and report late payments to the credit reporting agencies. On XXXX XXXX they mistakenly took out XXXX payments for my mortgage when I had previously called to cancel XXXX. They have put me under financial strain and caused me to be late on other bills. My auto payment is late as well as utilities and credit card payments. Please help me
This complaint involves XXXX XXXX and XXXX XXXX. I tried settling this debt many times and finally could not access my account at all. Wal-Mart no longers uses Synchrony Bank and they keep trying to collect from small consumers instead of suing Wal-Mart. I paid and paid on this debt and it never seemed to go away. I am being harassed by a 3rd party debt collection agency with repeated calls daily trying to collect on a debt I do not believe I owe. The bank is ruining my life and credit score and I am in the process of trying to sell a house. I have a bank account with XXXX XXXX with money in my account from Social Security that I can not even access because the bank repeatedly closes my account because I have suspicious foreign transactions occuring. This happens every month around the first week of the month. I have told XXXXXXXX XXXX that I made the transactions and yet this happens every month. To add to the problem I am XXXX Veteran married to a foreign national who has every right to stay in this country despite the fact she is not a citizen because she holds a green with a 7 or 10 year status.
I have been getting numerous calls from XXXX over the past month 4-5 times daily. I would normally ignore the call because i am unfamiliar with the phone number. The times i would answer the call no one would respond, what would happen is that the line becomes silent and then the phone would hang up. I was a bit curious of the person that could be calling and wondered if it was someone who probably changed their number or probably just an important call and so i decided to dial the number on XXXX/XXXX/XXXX after which a female voice answered and said " Is this XXXX XXXX '' so i responded and asked " Who do i have the pleasure of speaking to '' the female voice kept asking if my name is ... ... ... .., to which i responded that it is only mannerly to introduce yourself and say what you are calling about, the person still decided to kept asking me to verify my name, address, and last XXXX digits of my social, I did not verify my social but i gave my name and continued to asked what was the reason for calling but the person kept asking me to verify my address and my SSN to which i did n't. They eventually started to tell me that this is an attempt to collect a debt since XXXX and if i was ever an XXXX customer. they still refused to give me the name of the collection agency they represent and kept saying i owed {$100.00}. I told them sorry they have the wrong person because i never was indebted to a XXXX. However i told the person not to call my phone ever and i will report this call. she ended by saying that this will go to dispute. I can say with all conviction that my credit report does not indicate i owe an XXXX and i am convicted that this is a scam
There are two XXXX XXXX XXXX XXXX accounts for which I was an authorized user on and not the primary accounts holder or the person responsible for these accounts that Equifax is reporting as I 'm the responsible party when in fact in the credit reports it states I 'm simply an authorized user ...
My mother is XXXX years old and has been XXXX ; she has a credit card with Discover and paid for the XXXX insurance with them for over 30 years. Because of her age and XXXX I am the legal power of attorney for her. We have contacted Discover numerous times to file the paperwork necessary to claim her XXXX insurance to pay her credit card bill and have given them a certified copy of the power of attorney. Discover received the claim and instead of contacting me, the power of attorney, they called her to obtain additional information and she told them she does n't have XXXX or any XXXX. Discover continues to collect funds she does not have and makes threatening phone calls because she ca n't pay her bill. Discover is now threatening legal action against an elderly XXXX woman who struggles to identify her own family let alone any credit card ( s ). On XXXX XXXX, we received a letter from Discover saying they are now going to turn this matter over to an attorney and take legal action on a woman who does not even know what year this is! We are asking for help to stop Discover 's predatory collections!
I declare hardship In XXXX with the debtors..the account was closed and reopened XX/XX/XXXX..without me knowing they 're trying to collect a debt from XX/XX/XXXX..they 've been harassing me & lt ; Account # XXXX {$550.00} Balance XXXX Original Creditor {$500.00} High Balance XX/XX/XXXX Opened Date XXXX XXXX, XXXX Last Reported ... Account # XXXX {$1500.00} Balance XXXX Original Creditor {$770.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported By LVNV FUNDING LLC..they are trying to collect a debt then I do n't know.how do I get help taking care of this because they do n't have original records anyone ever tell me about my account.when they result in that account without my knowledge..have my limitation has been violated? I do n't know
For whatever reason, this account has been nothing but a nightmare. My account was somehow " delinquent '' and showing as so on my credit report but in fact was due to XXXX XXXX system and error. I brought this to their attention multiple times, they agreed and accepted this fault and removed the info. I just got a notification that I have a new delinquent account because they for whatever reason put these old " negative '' remarks on my credit report which caused a major issue with my score.
I received my tax refund check XX/XX/XXXX. My boyfriend and I both have Bank of America accounts. I went to deposit my check in the ATM and inadvertently grabbed his debit card instead of mine. They both have the same PIN 's. The next day BOA rejected the deposit because my name was not on his account. We called the XXXX number the following day and were promised that a legal copy of the check would be mailed to us and we would receive it in 3-5 days. Since then we have called BOA numerous times and keep getting told that we will receive the check in 3-5 days and still have not received the legal copy of the check and it has been a month. BOA is holding over {$6000.00} of my money that they will not let me have access to by not sending the legal copy of the check. We were supposed to take our kids on vacation this Sunday with the money but that wo n't be happening now since BOA will not send me this copy of the check they have promised.
After checking my credit report back in XXXX, I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have been in communication with the debt collection agency XXXX XXXX XXXX XXXX XXXX advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with XXXX XXXX XXXX XXXX XXXX - I am not liable for the collection of the debt from XXXX XXXX as this is not mine. I have been disputing this inaccurate information since XX/XX/XXXX and they have not removed this information from my credit file. This has hurt me severely in regards to obtaining credit. XXXX XXXX XXXX XXXX XXXX states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). XXXX XXXX XXXX XXXX has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.
I am a costomer of BB & T and have been for XXXX years.I own a home and auto and owe nobody anything except a hospitol bill.For the last decade i have been helping my mom and dad with their health problems.I put in for a loan at BB & T for amount of XXXX.They turned me down saying i didn`t have enough credit.Given their logic nobody comming out of high school or collage will ever be able to do banking with them.When i ask for an address for the board members to send them a letter complaining about this, they keep stonewalling me and will not let me complain directly.It seems that they are trying to hide incompadance from upper management.The paperwork i recieved from my loan applacation is very sloppy.Next i will contact the XXXX on banking.If BB & T doesn`t wish to take care of taxpayers then taxpayers need not loan money to this type of a bank.
On XX/XX/18 I was informed that someone went to my home to serve me court papers. I searched the XXXX XXXX courts online and found a case filed by XXXX XXXX XXXX and the amount I allegedly owe is between $ XXXX {$5000.00}. 
I have never heard of this company and I have never been contacted by them via phone or mail. I am completely unaware of a debt to them and I am concerned that there isnt even an amount specified. Is this legal? I have had no opportunity to request validation of the debt nor to dispute it and no papers were served to me as I am travelling for the holiday.
XX/XX/2018 : Credit limit lowered, chase bank siting overall credit utilization too high ( 53 % ) even though utilization is lower than it was before a balance transfer to a new card/issuer. My card was nearly maxed out with chase so to make it easier to get out of debt, I transferred the balance to a new card/company with a lower interest rate and higher credit limit to keep overall utilization down. The existing balance did not give chase reason to reduce my limit until after it was transferred and they were no longer making money off the interest. This reduction has negatively impacted my credit score. And they will not review without doing a hard inquiry on my credit, which can also lower the score.