WillisBack/dataset-financial-user-claim huggingface dataset:
This is the third complaint I 've filed for this issue - I was instructed by a customer service rep at CFPB to file an additional complaint. A series of unauthorized transactions totalling {$870.00} hit my Bank of America checking account in late XXXX and XXXX of XXXX. Bank of America maintains that fraud could n't have taken place because my checking account information was used - in spite of the fact that I have reason to believe these numbers were compromised. Bank of America refuses to acknowledge that a checking account number could be stolen and used in a fraudulent matter. This is ludicrous. Additionally, I had an ATM not dispense funds for a total of {$200.00} - Bank of America also refuses to acknowledge this and maintains that they have no course of action to help with this. Finally BofA closed my account and refuses to tell me why other than to say that it was because of my claims - they did this with no warning and with the account holding a positive balance. They wo n't even tell me when I can expect to have a check for the funds that were in my account. I 've feel that I 've been targeted for filing a complaint with CFPB.
On XX/XX/2018, I called the bank and submitted a stop payment request to cancel check number XXXX in the amount of {$3500.00} from clearing through my account. The call center representative told me the check had not been deposited yet and the stop payment request would go through. However, chrck nunber XXXX in the amount of {$3500.00} was cleared through my account on XX/XX/2018. I called the bank during the XXXX est hour in XXXX XXXX to resolve and get my money back into my account, because the bank was notified to not cash the check. The banks representivies from the claims department told me there was nothing they could do and I needed to contact the person who cashed the check. My agreement to stop payment on the check was not through the payee but through my financial institution. Due to a customer service representative incompetence to submit the right request, I was not only charged a stop payment fee but the stop payment request was ineffective and now I am missing {$3500.00}. 
After multiple attempts via phone, secure message, emails, and social media, CHASE BANK has told me that they can not do anything to return my funds.
XXXX, Equifax and XXXX, all show a bankruptcy on my credit report. This information was obtained by a 3rd party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.
Equifax was hacked from XX/XX/XXXX through XX/XX/XXXX, apparently. It 's XXXX and they 're just now notifying us of the hack. That 's too long, it 's over a month. I still have n't received a personal email/letter/anything. I had to hear about it on the radio while driving to work. Equifax did set up a separate website, but if you do n't click on exactly the right things in the right order they try to enroll you in something that waives your right to be part of a class action lawsuit, which is nonsense.
I received notification from SunTrust bank that six accounts were opened. I called along With my representative from XXXX that the accounts were fraudulent, not opened byme. Supposedly it was all taken care of but today I received temporary checks on four of the accounts that I did not open and I called SunTrustbank and they said it was on a freeze but still being investigated. This has been going on over two weeks and there should not be any reason why this is not resolved and that I am notified. They were absolutely no help today in resolving and putting a stop to this identity theft. This is not the first time this has happened to me because of my documents being stolen and I need confirmation of it being taken care of. I have to be diligent on these occurrences and need the bank to cooperate. Regards, XXXX XXXX The case # SunTrust gave me is # XXXX
The XXXX XXXX XXXX called me to arrange the debt that allways increased and the reson was the amount of my copay was XXXX and I allways been charged XXXX every visit. 
I paid XX/XX/XXXX XXXX dollars and I told the lady to charge XXXX every month in which they never did and put in to collection. Qar llc sent me a letter in which I put my credit card information with XXXX dollars again, received several calls from QAR LLC and they asked my own information and using profanity language because I dont gave my personal information from stranger callers. 
Now I open my credit information and see 3 collections with different amounts that I dont owe that amount.
Early in my marriage a spousal consolidation was taken out with what is now Navient ( FFELP department ). At the time it seemed like a good option. We are now divorced. I want my loans separated from his loans. If a major corporation is going to allow spousal consolidations, they should make allowances for spousal divorce of physical person as well as financial person. If one of the parties refuses to pay, that leaves one party holding the debt. There is nothing democratic, fair or ethical about that situation. The department of education needs to fix this issue immediately and HELP the consumers who are trying to HELP THEMSELVES. My credit and payment history are being ruined by my ex-spouse, and Navient refuses to allow some way for me to reconsolidate MY loans into MY OWN account and get financially free from my ex-spouse. 
Also, as a single mom, I am trying to better myself by furthering my education in graduate school without taking out any further loans. Navient is refusing to give me a school deferment because they will not take my ex-spouse 's off of the overall loan. Unless he is in school as well, they will not put the loan in deferment. This problem needs to be corrected! There needs to be a way for spousal consolidations to be fairly rewritten upon divorce so that one person is not left paying all the debt.
My student loans are ( unfortunately ) now administered by Nelnet.  They used to be with XXXX. 

I've tried calling, live chatting, and emailing Nelnet. Nelnet has a bad website, plus very slow customer service ( probably by design ), but they sure aren't slow about wanting to get your money. 

I have had a very good credit rating for a while. My student loan payment to Nelnet was due on XX/XX/XXXX. I paid Nelnet a few days later than the XXXX ; making my payment on XX/XX/XXXX by electronic means. 

In the meantime, I received a report that my credit rating had been dinged pretty hard. The report made it sound as though I had done something earth-shattering and catastrophic ( you'd think that I had defaulted on a loan or filed for bankruptcy ). 

I checked, and other than paying Nelnet a hand full of days after the XXXX, there is nothing that I can find that would explain the recent adverse credit report. 

If Nelnet pulled the trigger on reporting me for the relatively minor infraction described above, I would like to know, because it would certainly be a disproportionate overreaction on the part of Nelnet if that is what happened. 

However, Nelnet is very difficult to get a hold of - calling, emailing, etc. don't seem to result in any sort of timely or meaningful responses from Nelnet. 

I've made all of my payments for the month, and Nelnet is the only one that looks as though it could have triggered the over the top report to the credit agencies. 

I would like for Nelnet to actually have some customer service and to let me know whether it was Nelnet that did the report to the credit agencies. 

If it was Nelnet, I would like for Nelnet to withdraw the report, as it is over the top for making a payment a handful of days after XX/XX/XXXX. Given my history ( just ask XXXX ), I would hope that Nelnet could be reasonable and that it would choose good corporate citizenship over corporate degeneracy. 

Failing that, and in the event Nelnet did make the report to the credit rating agencies but will not try to make things right, please let everyone know about Nelnet. 

Also, can we institute a death penalty for bad companies? I think it would only be right since these companies claim to have the same constitutional rights as real people. Please let me know. 

Thank you for your time and attention to this matter. 

Best regards, XXXX XXXX
to whom it may concern i am having a major issue with Experian performing an actual legal Dispute investigation they are violating my rights by not complying with my legal right to request any or all documents i request in my file, they are completing disputes but not providing me the original documents verifying these claims, when i did ask for all the documents in my dispute letter then they sent me muitlple copies of my credit reports. My point of this complaint is i want to resolve this matter out court. So if they can provide me names and numbers of everyone they spoke to verifying accounts. Also the orignals applications with wet pen ink signatures, and the method they use to verify this accounts and once proved to all not to be legal verified accounts please remove all accounts immeditley, and dated out and unauthorized inquires. i have also provided my Social security card and Identification for proof of identity again so if a reported anything different then whats on my Identification i was n't me thank you.
I paid four of my five student loans in full with a refinance through XXXX. I left one student loan open because the interest rate was lower than my refinance. I owed a very small amount on " loan sequence 2 '' and had pre-paid a couple of years of payments on that loan. XX/XX/XXXX I decided to start re-paying the debt that was pre-paid through at least XX/XX/XXXX because I would like to start a family and thought I should get rid of that loan first. When I made the {$92.00} payment, all four of the closed loans re-opened. I called onXX/XX/XXXX to complain to XXXX as the 4 loans should have been paid in full. I told XXXX XXXX that I wanted the loans which re-opened with credit to be reapplied to the total debt owed and DID NOT WANT checks sent to me. I was told no little checks would be sent. I received two checks for about {$2.00} each about one week later. After two calls and multiple escalations I was told my loan would be entered into a " lead review '' which would take two weeks maximum. After two weeks, I called again and I was told the process could take up to 30 days. Meanwhile, the amount owed increased. I continue to call XXXX and the problem is not fixed. XXXX is now reporting my credit as OVER 260 DAYS PAST DUE which is a LIE and IS Seriously affecting my credit. I had to buy a new car and was not able to get the promotional rate. MY LOANS ARE REPORTING AS ALMOST IN DEFAULT WHICH IS A LIE. MY CREDIT IS REPORTING AS HAVING SERIOUS DELINQUENCY WHICH IS A LIE. EVERY TIME I CALL XXXX they demonstrate a complete inability to assist me. The first person who answers informs me my loans are significantly past due and in risk of default after multiple escalations I finally reach someone who has a clue and says it normally does not take this long to correct. It has been a month and a half and my credit is messed up. 

Additionally, XXXX never explained to me the consequence of paying the income based repayment. My loans therefore capitalized as follows : on XX/XX/XXXX - {$10000.00} and on XX/XX/XXXX -  {$550.00} ( despite on time regular payments since the first due date XX/XX/XXXX. I made regular on time payments until XX/XX/XXXX. On XX/XX/XXXX my interest capitalized {$17000.00}. This added a total {$28000.00} to my amount owed. I then made on time payments until XX/XX/XXXX and I paid 4 of my loans in full in XX/XX/XXXX
It has come to my attention that a computer glitches with Wells Fargos software resulted in Wells Fargo mistakenly foreclosing on hundreds of homes over an eight year period ( ref XXXX XXXX XXXX ). During the time period in question I had submitted multiple modification requests that either had not resulted in a modification that would have provided relief during my time of crisis ( ref XX/XX/XXXX MOD Request ) or was simply denied ( ref XX/XX/XXXX XXXX & XX/XX/XXXX appeal ). Its been my argument that I was never provided a fair mortgage relief through a loan MOD, which was supposed to be available to me through my XXXX loan, but was removed as an option at a time when it was most needed. Never the less hardship MOD requests were submitted with unjust outcomes causing failure in maintaining home ownership of the property known as XXXX XXXX XXXX, XXXX Fl, XXXX. With the unfortunate and now predictable demise of Wells Fargos destructive XXXX loan that myself along with millions of other predatory lending victims were subjected to, ( XXXX XXXX XXXX ) the cost impact of such a toxic loan to this day keeps on eating away at its victims financial means in so many different ways. For me know its trying to get on with my life back in order by obtaining a non-destructive home loan at an interest rate that is not 4 points higher than the market demands and being subjected to mandatory PMI that altogether equates to {$400.00} to {$500.00} more a month than what I should be paying had I not ever been duped into such a deceptive loan.
A DUPLICATE CHARGE APPEARED ON MY ACCOUNT FROM A HOTEL STAY. DESPITE A DOZEN CALLS TO RESOLVE THE ISSUE, AS WELL AS A CONFERENCE CALL BETWEEN MYSELF, AMERICAN EXPRESS SERVE CUSTOMER SERVICE, AND THE HOTEL - DURING WHICH CALL THE GENERAL MANAGER OF THE HOTEL SAID THE DUPLICATE CHARGE WAS RELEASED BY THEM ON XX/XX/2017 AND SO THE RELEASE OF THE DUPLICATE CHARGE SHOULD BE REFLECTING ON MY ACCOUNT - STILL THIS FDIC-INSURED PREPAID AMERICAN EXPRESS SERVE CARD TECHNICAL DEPARTMENT REFUSES TO RELEASE THE DUPLICATE CHARGE. THEY ALSO SEIZED {$100.00} FROM MY RESERVE ACCOUNT TO COVER THE NEGATIVE BALANCE CREATED BY THIS DUPLICATE CHARGE WHICH WAS RELEASED ALREADY BY THE MERCHANT ( THE HOTEL ), BUT AMEX SERVE LABELED/EXPLAINED THEIR FORCED TRANSFER FROM MY RESERVE ACCOUNT AS HAVING BEEN DONE TO COVER THE CARD 'S MONTHLY FEE. BUT THE CARD 'S MONTHLY FEE IS ONLY A DOLLAR, AND THAT MONTHLY FEE IS WAIVED FOR DIRECT DEPOSIT CUSTOMERS, OF WHICH I AM ONE. SO NOW THEY ARE FALSIFYING TRANSACTION LISTS/STATEMENTS. IT SEEMS LIKE THIS SUBSIDIARY OF AMERICAN EXPRESS HAS GONE ROGUE, AND IS UNDER LIMITED TO NO SUPERVISION BY THE PARENT ORGANIZATION. ALL THE CUSTOMER SERVICE CALLS HAVE BEEN TRANSFERRED TO THE PHILIPPINES AND DESPITE THE FACT THAT THEY SPEAK ENGLISH AS A SECOND LANGUAGE, THERE STILL SEEMS TO BE A LANGUAGE BARRIER EACH TIME I TRY TO EXPLAIN THAT THIS IS A DUPLICATE CHARGE, NEVERTHELESS, WHEN THE MERCHANT THEMSELVES GET ON THE PHONE AND SAY THAT THE CHARGE HAS BEEN RELEASED, IT DEFIES LOGIC AS TO WHY IT REMAINS ON MY ACCOUNT, EFFECTIVELY BLOCKING ME FROM USING MY ACCOUNT THROUGH NO FAULT OF MY OWN. I HAVE READ SEVERAL ONLINE COMPLAINTS OF USERS OF THIS CARD HAVING THEIR MONEY AND DIRECT DEPOSITS STOLEN BY THIS PREPAID CARD COMPANY, AND I AM AFRAID THAT MAY HAPPEN NEXT.
In XX/XX/2016 I applied for a Mortgage with Fifth Third Bank. XXXX was my mortgage representative. She ran my credit and saw my score was on the verge of a denial she thought and then said, I should bring it up a few points. After that she still submitted my Mortgage application. Apparently, I was approved for a possible Mortgage if I would of submitted the paperwork the underwriters were asking for. I have documentation in the form of Postal Mail from the 5/3 mortgage center asking for information. I am attaching a Email asking XXXX where should I send these papers, to her or to the address on the mail. She replied " we are waiting and just wait for a denial letter '' is your score over 600? 
I waited and the property I wanted went up for sheriff sale. 
I asked to reapply and XXXX told me that my students loans were too high. Since I had a {$0.00} payment she had to figure out what I pay normally. She came back with a figure of {$400.00} a month on one loan, and {$700.00} on another loan. My student loans are {$19000.00} and 1 % is the average for student loans a month. So I am attaching a email where XXXX stated " FHA '' figures this differently. 
Now, I am at the office of the president asking for help from 5/3 bank. Well I am told that 5/3 wont buy " Sheriff Sale '' property. 
I asked my local 5/3 bank manager and she stated they have plenty of times bought " Distressed Properties '' from other banks. 
I feel that I was discriminated against because of the conversations with XXXX. She made it clear after I called the Office of the President that I got another department involved and there is not much she can do. 
Then after numerous attempts to contact the office of the president, they finally blew me off and decided that I was not worth dealing with. 
I am attaching a small portion of the evidence I have.
Previous complaint numbers XXXX and XXXX against Chase Mortgage, XXXX Office, XXXX XXXX XXXX, XXXX, OH XXXX. The second response states that on XXXX XXXX, XXXX I was approved for a short sale through XXXX XXXX, XXXX ; however neither me nor my realtor were informed of am expiration date adsociated with the approval. This was not communicated to my either of us until after the escalations and complaints. The response also states that on XXXX XXXX, XXXX, my realtor was informed that my file wad being assigned to a specialty team that handles military files. This is a lie. At no point did Chase inform me or my realtor that my file was being assigned to a " specialty team '' of any sort, specifically a team that specializes in assisting the military. With that, why would my file bw assigned to a specialty team AFTER the experiation of the short sale? Chase also failed to follow up with my realtor in a timely manner further contributing to the loss of my buyer. Chase. On numerous occassions, my realtor used XXXX system to request a call back or follow up on corrections that were submitted. This never happened. Instead, Chase mailed letters to my residence in XXXX and subsequently XXXX XXXX. These letters were received 7-10 after an information request. Throughout the duration in this process, Chase did not conduct any inspections on the property ; however, Chase erroneously reported that although vacant, my property was not being maintained and did not have electricity. This happened on several occassions. As a result of this, both my realtor and I had to call Chase to inform them that although the property was vacant, it was maintained with electricity and lawncare. My realtor inquired as to who and when the inspections from Chase occurred since this type of inspection required someone to physically go into the home. To date, Chase has not provided the name or dates of those inspections. As a result of this erroneous information reported by Chase, my home issurer at the time XXXX elected not to renew my homeowners issurance upon expiration. I am still trying to find a local insurance company at this time. The hardships caused by Chase mortgage is indescribable. Because of the military, I have relocated twice since begining this short sale process ; however Chase mortgage refuses to accept any responsible for the hardships caused to me and my family as well as that of a potential XXXX homeowner.
I recently had a claim of hail damage to my roof with XXXX XXXX. I received a check in my name and my mortgage company. The new roof was put on XXXX XXXX. Ditech, my mortgage company, will not sign off on the check from XXXX XXXX until they receive a copy of the insurance adjusters estimate, and an itemized written estimate of repairs from the contractor and a properly completed XXXX form from the contractor! Then they will send out their own adjuster and check and then they will pay the builders. In the meantime, my roof is completed and inspected and I need to pay the builders out of my own pocket! My insurance company has never heard of this! I really feel like this is not my home!!!
On the date XXXX XXXX, 2017, Law firm XXXX XXXX XXXX threatened to file a civil judgement against me if I did not respond to their fraudulent claim of a civil dispute between us. There is none to my knowledge.There must be a contract between us. Contract Law supersedes all Federal and State Rules, Regulations and Statutes. 

If you are the Fiduciary in this matter, I will need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for you to enter as a third party to this alleged civil dispute, nor to issue letters of threat to my private property or person, including you, reporting to various credit reporting. 

My house is private, my telephone and e-mail are private. My person is private and for private use by myself and by those with whom I may contract. If you are attempting to enter this alleged civil dispute without a contract or my permission, you are in trespass. ( XXXX XXXX XXXX v XXXX XXXX XXXX XXXX ( XXXX ) ). I am not a corporation. 

Produce a Contract, Delegation of Authority, Regulatory Authority or  cease and desist. Unless you are a Secured Party, Holder-in-Due Course, Creditor, Debtor or Signer on the Original Contract, you are a third party. You are a liability and no assistance. Take Notice : You are lawfully and legally dismissed. I will not discuss my Private Affairs with an Unqualified Third Party. 

In your next correspondence, please forward the instrument that establishes my obligation to perform as you request, plus your ID and Delegation of Authority ( to wit : UCC3-501 ( b ) ( 2 ) ) otherwise you will be accepting my offer to provide pen pal services at {$1000.00} per correspondence. If you accept my offer to provide this service, simply send any correspondence other than what I have requested.
Mortgage company did not have closing docs ready for closing and funding. They had 2 months to get Buyer approved on a VA Loan and Closing had been set for 2 weeks evening before closing Title company calls and informs me they do not have closing docs and we have to reschedule closing. Sellers had already moved out of the house, had their possessions on a moving truck and spending the night with family as they had to be out of the house before closing. The Sellers have a premature baby and did n't need to upset her schedule any more than was necessary. Sellers of the house they are purchasing would not let them move into the house until it was funded even though they had signed all papers and presented the cashiers check. So they were out with nowhere to go until the closing Docs and funding could be rescheduled. The sellers were completely helpless even though none of this was their fault. Then closing was set for the next day and closing set for XXXX XXXX, the buyers would not close until XXXX so funding can not take place for another day while the sellers ( a XXXX Vet. ) and a premature baby are waiting still with no home and all their possessions on a truck. We were promised that the Cds would be ready on XXXX XXXX, the contract closing date, but that did n't happen, we were then told the CDS would be at title company later in the day and funding would take place. That did n't happen either. I still do not know if this loan will close tomorrow or not. I do not believe anything the Mortgage Broker says now. 
Mortgage Broker had the sellers Spouse removed from the contract. 
which had to be added back to the contract before closing could take place.