WillisBack/dataset-financial-user-claim huggingface dataset:
BANK OF OKLAHOMA doing business as XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Tesxas, XXXX ) XXXX ( or XXXX XXXX, XXXX ).
XXXX XXXX XXXX has an internal automated payment system for insurance vendors and paid the max flood insurance amount instead of the current insurance amount. They admitted to the error and continue to not be able to resolve the matter. We continue to receive lay payment and foreclosure notices even though we continue to make full payments to them. First they argued they had not made a mistake and then finally admitted to the error. My concern is how many other individuals ' insurance is being overpaid by this vendor and then collected from consumers without their knowledge. By time the consumer learns of their error through annualized escrow analysis it is too late and the insurance company is unwilling to make an adjustment based on XXXX XXXX XXXX 's mistakes. It is concerning that XXXX XXXX XXXX has an automated system and does not keep backups of insurance bills sent to them and by law they are required to review the three flood insurance options and pay the current coverage unless otherwise noted. I believe XXXX XXXX XXXX through neglict of due digiligence and poor customer service is displaying little or no respect for the laws surrounding flood insurance as well as those that protect home owners -- not living up to their side of the mortgage contract. I have spent substantial time on the phone with these individuals and the most recent individual ( XXXX XXXX 's supervisor by the name XXXX ) I spoke with was very accustory seeming to point blame at myself when clearly everyone on her team researched the error and it was multiple times admitted to being their error. Now I believe this has moved beyond " error '' and is 100 % stepping on the rights I have as the home owners and my concern is for others that XXXX XXXX XXXX is servicing and the rather lackluster approach to lawful business services.
My personal belongings and vehicle were stolen from  XXXX =My locker was broken into which the police said it was probably an inside job=they would not let me see the camera 's to see who got into my car=several people has articles stolen different day.s. I owe {$23.00} for  7 mo . as this happened on  XXXX ,  XXXX  which I lost {$3000.00} on my car plus another to get another one- I talked to them-filed a police report and now they asking for {$300.00} and some dollars. Way above what I owe. I think they are targeting senior citizen as now I 'm afraid to go there and they wo n't. cancel the contract.
I recently became aware of an item on my credit. I moved from XXXX XXXX in XXXX. I was on XXXX and was given full clearance from my XXXX worker and XXXX manager XXXX XXXX that I had nothing holding me back. My rent was paid up and I was allowed to relocate which I did in XXXX XXXX. I continued under the XXXX XXXX program until XXXX XXXX. On XXXX XXXX, XXXX while trying to prepare for home ownership it was brought to my attention that I owed XXXX XXXX {$1300.00} despite never even receiving my security deposit back. Immediately I began calling XXXX XXXX for answers. My first attempt was on XXXX XXXX, XXXX and was prompted to leave a message. On XXXX XXXX, XXXX I called XXXX XXXX again and this time I spoke with XXXX who 's not the property manager but was very nice and helpful. After speaking with her I was finally able to get a copy of the bill that she was reading to me faxed. Immediately after receiving the fax I called by for an explanation because the bill states that I paid them rent of {$1100.00} but they in turn used this amount as charges when it clearly states that rent paid by XXXX resident which was me. I have n't been able to reach anybody since to discuss. I tried email the owners, XXXX, on XXXX but no one has responded to the email. I called the number offline on XXXX still had to leave a message and no one has returned my calls. Finally on XXXX XXXX, XXXX I attempted to go by the management office in hopes of speaking with the property manager. The property manager XXXX was very rude and nasty. She stated off the top of the conversation that she 'd spoken to me and told me that all I needed to do was file a complaint. I advised her that her and I had never spoken before but she continued to talk over me in a loud forceful tone stating that yes she did. Now at this point I do n't even know her name and I repeatedly told her we 'd never spoke before I promise you. Finally after getting no where and her not wanting to discuss the matter I asked her if her name was XXXX and she said no it 's XXXX I stated see I told you I never spoke with you before. Ultimately she did nothing and said basically the charges are what they are. When asked why this bill was n't forwarded to my XXXX XXXX caseworker she stated that they do n't do that.I asked her why because the caseworker knows where to find you and if you get let go from the XXXX XXXX program for any reason and you still have a balance somewhere within the XXXX system they can enforce that balance by either a judgement against your tax return or by civil suit. When asked why it was never forwarded to me she stated that they rely on the postal service for forwarding bills. They send the bills to your old address which is the apartment you just moved out of and if you do n't forward your mail not their problem. When I explained that I had my mail forwarded for a year she became irate and did n't want to talk anymore. She begin stating that she was n't here at the time and she was sent from corporate to clean-up the books and get the place in order. I thanked her for coming to do that and since she was n't willing to talk I left and told her to have a wonderful day.
Brother wrote a check for money owed. Went to XXXX Bank in XXXX where he does business to cash the check. They took my license, put my thumb print on the check told me they were going to charge me XXXX for cashing the check. Then refused to cash it with out authorization from the person that wrote the check to me. This is a very unfair practice and I have never been so embarrassed and they were very nasty. Is this the banks normal practice If you have all the I.D . and Thumb print that should be enought.
XX/XX/2018 at XXXX am XXXX. I received a call from XXXX XXXX that stated he was calling from the pre legal department of XXXX XXXX. XXXX XXXX left me a voice mail requesting to speak with me by first and last name about my file with the company and provided a file number XXXX at phone number XXXX ext. XXXX. I returned the call and XXXX XXXX answered and I identified myself by first and last name and stated that I was returning the call for the message left on my voicemail. At that moment the phone disconnected. I called back and identified myself again by first and last name, stated that the line was disconnected, and stated that I was calling to inquire about the nature of my business with their company. XXXX XXXX was rude and abrasive stated to me that he was going to drop leading proceedings against me and that he has been doing what he has been doing for 31 years. I provided XXXX XXXX the file number and he then stated the name of the party he was trying to reach. I told XXXX XXXX that I am not the person he is trying to reach. XXXX XXXX began talking over me the remainder of call including giving out another person 's social security number. I informed XXXX XXXX that he gave me someone else 's social security number and XXXX XXXX disconnected the call. I called XXXX XXXX again and as soon as he answered I informed him this was not the person he was trying to reach he began talking over me again.
My credit reports with transunion, XXXX and XXXX show incorrect credit utilization from all of my XXXX XXXX credit cards. 

1.XXXX XXXXXXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$2500.00}. I have a balance of {$420.00} with available credit of {$2000.00}. 

2.XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$3300.00}. I have a balance of {$500.00} with available credit of {$2800.00}. 

3.XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$3100.00}. I have a balance of {$650.00} with available credit of {$2500.00}. 

Please have these errors corrected as soon as possible based on the Fair credit reporting act.
IC systems has been repeatedly calling my phone number provided in previous questions and have informed me of having a file placed with them by a health provider and have asked me to confirm my information, they then give me a partial address and ask if this is correct, I ask what it is regarding and they refuse to answer my questions, they then kept pushing for my personal information such as social security number- I do not give it until I can verify what IC systems is calling about- they then repeat that they wont discuss the " file '' until I provide personal information, I then ask what exactly it is regarding and that I will not volunteer that information until I am provided a reason for their call, they then hang up on me and will not answer my questions. This feels like an absolute scam in refusing to discuss the reason for their call until I provide personal information. They say the file originated from a health care provider, however we have no outstanding balances anywhere.
I have a charge card with Home Depot/Citibank. I had a outstanding balance of {$2.00} which I made a payment on time, in cash, at a Home Depot store. I Saved receipt. 
Citibank claimed they never received it. After calling three times to clear up. They continued charging my account interest payment for 2 months which they reported to credit agency as a failure to pay. My credit score went from XXXX to XXXX. 
I finally went to store and addressed the payment I made of {$2.00} on XXXX/XXXX/16. They discovered the cashier applied my payment to wrong account. Called back Citibank with Home Depot manager on the phone and she explained the error and we both were told they would take care of the mistake. They would apply the payment I made, reverse the interest charges and contact credit reporting agencies of there mistake. As of today they have not repaired my credit, reversed charges. I have personally talked to 2 Citibank supervisors, 2 regular agents that tolded me they would take care of this. No action. 
Please file a complaint and attempt to repair this situation of credit fraud. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX
On XXXX XXXX of 2016 my wife and I purchased a house. Our mortgage was promptly transferred from our initial borrower to Ditech Financial. Our monthly mortgage payments include money that goes into an escrow account that is to be used for our property taxes twice a year. On XXXX XXXX of 2016 our first property tax payment was due. Ditech failed to make the payment from our escrow account for our property taxes. At first this went unnoticed and in XXXX my wife and I found out that our property taxes were delinquent and late fees and penalties had been assessed to our account. My wife called Ditech to get this straightened out and was told that there would be a 14 business day investigation period before Ditech would take any action whatsoever. My wife continued to call Ditech every couple of days during the investigation period to try to get updates ( due to the company 's reliability we felt that follow up was necessary ). Yesterday the investigation period was up and my wife called to see what Ditech had determined and if they were able to make our property tax payment from our escrow account. She was told that our monthly payments did n't include funds for a property tax escrow account, which is incorrect. When my wife asked to speak with a manager or someone who could help figure out our situation the customer service rep hung up the phone on her. So now we are no closer to having our property taxes paid and are still accruing late fees and penalties every additional month the payment is delinquent.
Bayview Loan Servicing charge extra interest including unsubstantiated fees to payoff loan when loan was re-financed to XXXX XXXX. 

The principal outstanding was : {$300000.00}, however interest of {$2300.00} was added on although this interest only loan 's monthly payment was already made and some additional charge ( fee ) of {$660.00} was added in. I received a check from Bayview for only {$350.00} leaving {$2700.00} to still be refunded. I contacted Bayview several times starting on XXXX/XXXX/2016 but have received no response. 

From the attached payoff letter sent from Bayview to XXXX, you can see they have added in interest again on the loan ( {$2300.00} which the calculation does n't even add up ) of which this interest was already paid ( The refinance closed on XXXX/XXXX/2016 ) You can also see that there is a {$660.00} amount added on which violates the mortgage agreement as there is no condition that occurred that should have imposed such a fee.
On Sunday the XX/XX/XXXX I used the drive thru ATM. The ATM took the money and gave out an error receipt saying to call customer service. I called customer service and was informed that the ATM ate the deposit and they woulf have to do an investigation while they would credit me for at least {$760.00} to my account while they investigated and the credit would be in by the next business day. They said the investigation would take about 15 days. Monday afternoon i still didnt have a credit and called there claims department and was informed that it would be in there by the end of the day. Tuesday night I had no credit and when I called the claims department was informed there would be no credit and just the funds till at the end of the 15 day investigation. For the last week I have been in the branch speaking to the branch manger and calls to the customer service line. I have emailed them within the bank website and still do not have any answers or help from anyone working for the bank.
i lease a 2014 XXXX from autotrakk out XXXX PA found later the car has off the market parts valued at over {$3000.00} dealer has refused to replaced oiginal parts
I can not dispute with Equifax , all of their verification questions do not apply to me and I will NOT send my ss card and id to a random number. When i called I got a rep that barely spoke english and could not verify my identity either. They keep insisting on sending my ss card, id, birth certificate, etc to that fax number. That just seems like they are trying to steal my identity! After reading the XXXX complaints, I see I am not the only one with these issues! Please do something about this company! I am scared to say there is a serious problem with the company that is in charge of dealing with my credit! PLEASE please please do something about them!
I share a joint checking account with my girlfriend. this passed spring she was victimized by an online predator ( s ) who was extorting money from her, as well as others, in some sort of ponzi scheme. This person, or people, were able to get her to send XXXX separate wire transfers totaling an amount of {$22000.00} to an Apple Bank branch based in NY. I have attempted to contact a number of representatives from the bank and they have informed me that the money was in an account who belonged to another woman who was also victimized and that the funds in the account have been frozen due to suspicion of bank fraud. My girlfriend attempted to contact our XXXX XXXX bank that the monies were sent from who told her to call the police, she then contacted the Apple Bank in question who refused to speak with her, she then contacted the FDIC who suggested we file a complaint with CFPB. My girlfriend is also not in the best XXXX health at the moment and is currently receiving health care for this. Such is the reason these predators were able to dupe her into unwittingly making these wire transfers. I ask that you please contact me, as well as the involved banking institutions so this can be resolved and our funds returned to us.
I am very annoyed with Capital One. I call and no one really helps. I even called their corporate office and no call backs at all. I would like to report a rebill. They rebilled me when I was in XXXX, for six months, the rebill was for XXXX. Not only could the girl not tell me what it was for, she would not help me either. She said they mailed me in the USA a note for me to fill out. How am I suppose to fill that out in XXXX???? She could not and would not help me. This is XXXX a waste of time.
On XX/XX/XXXX, we paid ourXX/XX/XXXX mortgage payment of {$1200.00} by USPS certified mail. Chase misapplied our mortgage payment as a principal reduction payment onXX/XX/XXXX. Chase reversed the misapplication on XX/XX/XXXX after numerous secure messages and a certified letter. Chase refused to send our XX/XX/XXXX mortgage statement from XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX, Chase uploaded our XX/XX/XXXXmortgage statement to the Chase Mortgage Online site. The actual XX/XX/XXXX mortgage statement was backdated to XX/XX/XXXX. I received the XX/XX/XXXXmortgage statement by USPS on XX/XX/XXXX. Chase is backdating customer financial records.
I noticed that my XXXX payment had not posted to my checking account, and called Navient. I have been on a payment plan for a while, and it was time to review my financial statement. I was proposed an increase of over 15 % on my monthly payment, I asked to speak to a supervisor as I am struggling to make payments as it is. I was denied an option for a lower payment - my monthly payment was increasing from XXXX {$540.00} to XXXX {$630.00}. 

This incident prompted me to research a little further to see how much I had already paid on my student loans, and what I found out was mind blowing : I have borrowed from Sallie Mae a total of {$86000.00}, already paid {$50000.00}, but still owe {$96000.00}. 

Loan 1 - {$24000.00} on XX/XX/XXXX, Loan 2 - {$30000.00}, on XX/XX/XXXX, and Loan 3 - {$31000.00}, on XX/XX/XXXX. 

I would like to know what are my options, as this looks like predatory lending. Any help would be greatly appreciated. 

Thank you, XXXX
XXXX XXXX XXXX XXXX 's mastercard XXXX was charged {$23.00} twice. it should only have bee charged once. boa refuses to correct problem. 

i set up billing dispute XXXX for {$23.00}
XXXX XXXX refuses to delete 2 late payments which I dont understand how it is late when it was an automatic payment..This is on My credit as well as my Fiamce which has caused higher interest rates. Also Discover has a late pay listed and it was on auto pay as well. These are the only deragotory items we have out of 25 to 30 accounts in very good standing. I have tried to dispute this but they refuse to delete even on Good faith and Goodwill letter. I am disputing because it should have been deducted and I have never missed a payment the payment was taken but instead of deducting XXXX they only deducted XXXX because it was set up for fixed amt and 1 month it was more than fixed amt and they c hgv argued a late fee but also waived the fee. I would like this deleted because We have Good Credit and this is erroneous misleading information.
I sent in a Good Will Letter to Navient within 30 days they forgave me and deleted all of my late payments. Then the following month they took it back. I have proof that they forgave me then put the late payments back on my crew report. Please help me XXXX XXXX XXXX XXXX
I have had a Bank of America account for approximately 30 yrs they started charging XXXX per month for servicing checking, savings account. At the time I had XXXX accounts with them, I was extremely concerned they were taking XXXX per month for my accounts. I closed XXXX account and the rep told me if I I made a direct deposited XXXX per month into that account I would not receive a fee for that account. I started to make the direct deposit every pay period which is biweekly totaling XXXX per month. I checked my account and it was showing fees of XXXX per month for the account totaling XXXX in fees after I did what they advised me. Calling Bank of America the rep informed me it has to be XXXX deposit totaling XXXX to not receive the XXXX fee. This is stealing my money. This is absolutely usury and I am disgusted with the business practices of BofA. My XXXX Banking account does n't charge me fee.
We have been trying to do a Loan Modification with Ditech for over 20 months. During this process they would keep asking us for more and more of the same information we had provided already. We would call every couple weeks to get updates and all we were told is that we would get something in the mail. Then all we would get in the mail is that they need updated bank statements, XXXX, and profit and loss statements. we had already provided this before but then since it would take long for them to get back to us they would request it again. Finally when they did answer us it was with a Denial that we could n't modify so now we are in Foreclosure. In the mean time we did receive a letter attached that if we need help to call Ditech so they can assist us.
I have XXXX student loans that were transferred from XXXX XXXX to XXXX and they are both XXXX reporting late payments. So I have late payments showing up for the closed XXXX XXXX accounts that were transferred to XXXX and then XXXX is reporting the same late payments on my credit as well. So the same late payments are being reported XXXX from the old account owner and the new account owner.
I have been a Barclaycard US customer since XX/XX/XXXX, carrying their then-XXXX mastercard. When the card switched to the AAdvantage card in XXXX 2015 due to the XXXX Airways/XXXX XXXX merger, I was informed by mailer that my annual benefit ( associated with an {$89.00} annual fee ) of XXXX companion airline tickets would not be continued. I called the card issuer XX/XX/XXXX to see if this benefit could be extended, and if not, to cancel this credit card. The agent I spoke with told me that I would in fact be issued XXXX companion certificates, and she even offered to wave my annual fee as an added incentive to keep my business. My annual fee was in fact waved, but I was never issued the companion airline tickets ( approx redemption value {$800.00} ). When I called today, I was informed that I would never be issued these benefit tickets, essentially that my business had been retained by making false statements. Without the assurance that my benefit of XXXX annual companion airline tickets, I would have canceled my credit card and sought an alternative provider. The Barclaycard reps that I spoke to today ( XXXX levels of supervisors ) all attempted to sell me more expensive products in some perverse attempt to provide me the earlier-promised benefit, but at a cost to me. As I look to purchase airline tickets for holiday travel for my family, I am now going to have to spend an additional ~ {$800.00} that I otherwise would not have had to spend out of pocket.
In XX/XX/XXXX I filed for chapter XXXX bankruptcy and it was discharged on XX/XX/XXXX this debt for XXXX XXXX XXXX XXXX XXXX was discharged. Then I received a bill from Clark county collections on XX/XX/XXXX, I promptly called the number and left a message that I was disputing the debt due to the bk and that payments had been made to XXXX XXXX XXXX XXXX XXXX and the amount of the notice stated XXXX was owed and they reported account in XX/XX/XXXX before letter was sent and the balance reported is XXXX.