WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I have had a joint account for 20 years at the same bank. We have been loyal customers and have a checking, a savings, and a couple money market accounts. Over the years, the services have become less generous and recently I have had two very bad experiences that I do not think are legal. First, my bankcard and access to my bank account was cut off because I had not activated a new card that they had sent to me 5 months ago ( that I never received ). When I realized I could not get access to my account, I called and they said they would send me a new card in two days. I had no access to my account electronically or physically and I was unable to transfer money to cover a property tax check. My husband had to go to the bank to do it. Which brings me to the next complaint. We used to have over {$14000.00} credit as an overdraft account. As a busy household with XXXX incomes and young kids, we used this overdraft account often for credit whenever we needed the flexibility for timing of expenses. We have paid plenty of interest to the bank for this flexibility. Late last year the account was reduced to {$300.00}. This amount for us covers very little when you are talking about {$12000.00} of activity during the course of a month. We did get a letter from the bank saying that they were reducing it due to " my husband 's delinquency '' ( there were none - it is a joint account under good standing ) ; " insufficient deposit relationship '' ; and I was listed as an " unqualified co-borrower ''. None of this made sense. When I went to the bank recently, I inquired about it and they said I would have to reapply for it like any other credit source. They also said the reduction was due to a low credit score and debt to income ratio. How would they know what my debt to income ratio was? They said we could see his credit report. Why did they use just his credit report and not mine for a joint account? My credit score and earnings are much higher. We have always paid our bills on time and do not have any debt under this bank anymore. ( I suspect we are being punished for moving our debt elsewhere. ) I believe these actions have been, at worst, discriminatory and illegal ; and, at best, very bad customer service. Reducing our credit line is the same thing as raising interest rates on a credit card. It has resulted in overdraft and several fees.
We were three days late in paying on our Barclaycard XXXX XXXX XXXX credit card, issued by Barclays Bank Delaware. We ordinarily pay the full balance each month, but we had been on vacation and our schedule was off, so we expected to be assessed some sort of late fee and/or interest. But I was shocked and disturbed to learn what must have been hidden in the fine print : on a total statement balance of {$26.00}, we were assessed a late fee of {$26.00}. This was so disturbing ( and confusing ) that we called to complain. The explanation from a supervisor : the late fee was SUPPOSED to be {$27.00}, but apparently the bank 's policy was to lower it for a smaller balance. When I noted that this was equivalent to charging us 100 percent interest for three days, the supervisor said he understood but that there was simply nothing he could do. In fact, I assume that we will also be assessed interest for the carried balance, so the ultimate cost of this will be more than the total balance. On an annualized-interest basis, that seems equivalent to charging us more than 10,000 %. I do n't know if this is legal, but it should n't be -- it 's an abhorrent, " gotcha '' charge of the worst sort.
Follow up on complaint XXXX. 
I received a call today Roundpoint regarding the extra payment I had made to them.The call was regarding the complaint that I had filed with CFPB. I have not heard back from them regarding numerous calls that I had made prior to filing a complaint. 
The representative informed me that they had received my complaint and were going to start an investigation. She asked me to submit a copy of the cashed check. She was oblivious to my prior communication with Roundpoint and the documentation that I had submitted with my CFPB complaint. A month later, I have not received a adequate response from Roundpoint and they claim they did not receive a payment when I have a copy of the cashed check from my bank. 
CFPB, thank you for your help and support. I am frustrated beyond my " boiling point ''. If my case can be used as an example to save others from issues with Roundpoint, please share my story with the community. 
thank you kindly, XXXX XXXX
My wife and I have mortage with Wells Fargo and had a life insurance policy on mortgage which when she past away the bank refused to pay insurance policy. they have lied created documents with a computer and forge our names to false documents .im sure were not the only ones that have been screwed by this bank because the stealing and lying starts at the top of the bank and goes to the bottom. this bank needs to be checked by the federal authoritys and have the people jailed and the insurance department of bank closed .We paid on this policy for five years and received nothing but greive from this bank. I have all false papers they have sent me they do not have a single paper signed in ink by me or my wife XXXX, only computer made papers they created. they took our names off the original contract and pasted the names on these false papers.
I began the process of repaying my student loans inXX/XX/XXXX. I made an error and missed my first repayment date by three days, so when I payed the loan amount, {$370.00}, I was charged for both the month of XXXX and XXXX. Making the two payments allowed me to get caught up and have some time to save for the payment that would be due on XX/XX/XXXX. In order to make sure I did not miss the date again I enrolled in the Autopay feature so when there is a balance on my account, the {$370.00} would be taken on the due date, the XXXX of every month. I logged onto my account today, XX/XX/XXXX, to make sure that everything was going smoothly since my next due date is coming up in three days. To my surprise I saw that my account had been charged for the XXXX payment, which was two months worth, totaling {$750.00}, again for the XXXX payment, {$370.00}, and again for the XXXX payment. All of this time my total balance due on the XXXX of every month has been {$0.00}, and yet money is still being taken out. When I noticed this I called Navient to discuss what to do since I am still being charged and I am a month ahead. I wanted to have the balance even out so I would have that one month of recovery period to get money back into the bank. I was put on hold and then told I could be helped if I agree to the terms and conditions, I did not think about it until I heard that I would be put on a forbearance because I was not able to pay. This is crazy! I am able to pay, I already did pay, and now they want to charge me interest and say I am not able to pay to make up for their billing system errors.
Tried calling Moneygram about this matter on XXXX/XXXX/XXXX at XXXX XXXX, overseas agent disconnected me. Sent two money transfers under XXXX and XXXX to the same recipient ( XXXX XXXX ). The location used to retrieve the money is : XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. A major violation seems to exist with this particular agent, they insisted on making/keeping a copy of the Drivers License before dispensing the money. This seems to be a major privacy issue that can lead to problems down the road. In fact, this has never been encountered at any other agent locations. Lastly, agent refused to release the money until the sender called Moneygram and had the middle initial added for the recipient.
We have faxed our insurance information to the mortgage company twice. They continue to claim they have not received the information and threaten to buy insurance for us.
Portfolio Recovery has entered incorrect dates for a balance they purchased from XXXX XXXX more than 5 years ago. Ive sent numerous letters in XX/XX/XXXX offering to settle the balance for 3 different accounts. Ive received no answer. I demand portfolio recovery remove this from my credit report due to age. They constantly update and change the dates the account was opened. Latest update shows XX/XX/XXXX when opened. I did not open this account as of the date they allege. Ive asked for documentation with no response
XXXX XXXX XXXX said car was overheating water is leaking because it needs a water pump. They replaced it and I paid XXXX. The car started overheating next day called them XXXX. I took car to XXXX XXXX XXXX and they spoke with XXXX. The car was overheating and water leaking in the back possibly the new water pump is defective.

Its under warranty so XXXX   came got it and said they replaced water pump, I got car back on Friday evening and drove it Saturday and it starting over heating. Monday called XXXX and told them it isn't fixed. They never called me back and still to this day haven't. I have phone records to prove I tried to get this resolved and called many times. I then took it to XXXX XXXX XXXX and after they told me its leaking water and the problem is the engine not the water pump. I called and disputed charge with capital one.

and capital one rebilled me in XX/XX/XXXX. XXXX  got car inXX/XX/XXXX and I got it back XX/XX/XXXX for couple days and they took it back returned it XX/XX/XXXX and XX/XX/XXXXwent to XXXX XXXX. Disputed charges and waited. When I was rebilled I contacted capital one and the asked me to send letters, receipts etc.. I did and then I was told sorry you're out of time, I was in XXXX  for month of XX/XX/XXXXand returnedXX/XX/XXXX. Capital one sent a letterXX/XX/XXXX I didn't know untilXX/XX/XXXX. They said I was out of time.
After giving this company a 30 day notice I mailed and emailed XXXX XXXX XXXX a 30 day notice that I would be moving out at the end of XXXX XXXX. I repeatedly tried to call them to meet me for a final walk through but no one responded. In XXXX XXXX, I received a bill for over {$4000.00} in " damages ''. I contacted XXXX XXXX notifying her that the amount was incorrect and sent pictures as well. She stated, " After my supervisor reviewed the pictures from your move out and your email in response to the charges, he has agreed to remove the paint charge of {$1200.00}. You still have a total of {$1700.00} of move out charges and balance owed to XXXX XXXX XXXX is {$2200.00}. You will need to talk with XXXX to set up payment arrangements. '' I contacted her stating that I did not owe any money for the floor because I did not damage the floor. Also the repair cost they stated was too high. The floor became damaged due to a leak from the AC unit in the attic. The maintenance personnel repaired the leak. Also I did not damage any cabinets or shelves. I noted that they were off track in the move in document. I notified the property management of the damage and they said it would be taken care of. The floor boards were never replaced. I contacted XXXX XXXX about getting a final settlement amount and payment arrangements. I called and sent several emails asking for an explanation of the {$2200.00}. No response from XXXX XXXX XXXX. In XXXX XXXX I received a collection notice from National Credit Systems Collection Agency stating that I owe {$2200.00} and must be paid as soon as possible. XXXX XXXX XXXX did not contact me concerning this after I made several attempts to settle the issue. It should not have been sent to National Credit Systems collection agency without giving opportunity to settle the issue.
I do n't understand how I can make a XXXX monthly payment and only {$20.00} gets applied towards the interest. I have federal loans as well but at least {$90.00} will pay the principal down. I make my payments 2 weeks before the due date and yet almost all of my monthly payments are going towards interest. Is this correct or am I being ripped off? The amounts every month are really inconsistent even though I pay around the same time every month. It just does n't add up.
In XXXX 2016, I was prompted to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi ThankYou points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. XXXX Citi ThankYou points equals {$400.00} in gift cards as stated in the terms and conditions I received when opening this account. 
After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 
On XXXX XXXX, 2016, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, 2016. On XXXX XXXX, 2016, I did not receive my bonus points as promised. 
On XXXX XXXX, 2016, I initiated an online chat via the Citibank website with XXXX and explained that I did not receive my points. XXXX said I should have already received my points. An internal investigation was opened. Case number XXXX. 
On XXXX XXXX, 2016, Citi 's investigations team informed me that my bonus was denied for the following reason : " There was not a ThankYou Points promotion offered in conjunction with the opening of your account. '' On XXXX XXXX, 2016, I appealed this denial, citing written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 
On XXXX XXXX, 2016 XXXX at a Citi customer service center informed me that the offer in question requires the original bonus mail insert, which would have been sent out 6-8 months ago. 
It was explained to me that the original insert is required to prove I qualified for this offer, despite numerous interactions with representatives who assured me I have qualified and met all requirements to receive my bonus. I disposed of this mailer after opening my account, and it is unreasonable to expect customers to keep old advertisements for over 6 months. 
On XXXX XXXX, 2016, My appeal was denied. I appealed again. 
On XXXX XXXX, 2016, XXXX at the Citigold customer service department acknowledged my appeals and attempted to submit my case to the Escalations Unit. She apologized for my experiences and said that many other clients are in the same situation. 




I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. 

Sincerely, XXXX XXXX
In XX/XX/2017, I bought vacation package from XXXX for my family ( XXXX people ). 
XXXX sold me a package - which was a classic bait and switch the description of the property online was not the reality. When I bought this vacation package I used credit card American Express Delta SKYMILES. 
During vacation I had multiple issues, and when I come back from the trip I called American Express and asked their support to protect my interest as a customer and help me return the money for the trip.Americam Express representatives answer was : we are going to investigate this matter. 
After some times, American Express sent me a letter saying that they did their investigationand that they needed more information from me. This went on for 5 months where I would get a letter that they needed more information and every time. Multiple times they told me they can not help with this matter and it needs to be taken up with XXXX. American Express did not protect my interest. I tried to reach management of American Express or legal department many times, however, it was always useless. The last time that I tried and finally got ahold of a manager- she was very rude and nasty to me. She would raise her voice and shout at me, she treated me like I was garbage and she was doing me a favor for even picking up the phone to speak with me. I asked her who gave her the right to talk to me like this, and she responded XXXX is one of our biggest customer and we do not want to ruin our relationship is them just because of you. 
It took me one and a half year to protect myself in the courts against XXXX. I have won the case against XXXX twice- once in thesmall claims Court of XXXX , and after- in their Arbitration Court ( XXXX tried to appeal the original ruling ). I finally got my money back, but I spend a lot of time and energy its was damaging to my character, it was difficult to protect myself when American Express should have stood behind me and protected my rights as a customer. 
I can provide copies of the Court Orders and the copy of the check which I finally got back from XXXX. I wanted to let everyone know how American Express customer service representatives, management and legal departments do not stand behind their customers and protect their rights.
I am an XXXX in XXXX XXXX, and received a lengthy voicemail threatening my future if I did n't call " XXXX '' back before close of business today. My phone number is on the Do Not Call List, and I owe no outstanding debts to anyone -- I have stellar credit on all credit reporting agencies. Nevertheless XXXX called my cell phone ( which is a South Carolina number, and I have had it for decades ) at XXXX and left his abusive and threatening message about a debt that XXXX XXXX owed. I know many XXXX XXXX -- it is a very common name. But that is not my name. I called XXXX back and he refused to tell me how he got my cell phone number or more details about why he was calling me, or how he knew my name was XXXX XXXX. His supervisor did the same. This debt collector is calling random or targeted people with the last name XXXX, apart from the alleged debtor, in an apparent attempt to force the debtor to pay. I do not know who the debtor is, but there is no other reason to call my number and leave a threatening message for XXXX XXXX, when my name is not XXXX XXXX and my voicemail greeting clearly states that. This is aggressive and abusive debt collection practices, and also violates the Do Not Call list, as my number is listed there and this company has no business with me. This bank called from phone number XXXX, and XXXX stated to call him back at XXXX, extension XXXX. His supervisor is XXXX. Both XXXX and XXXX demanded to know my first name and I refused to provide it, stating they should already know it before calling my cell phone number ( which I repeated for them ). XXXX kept demanding to know my first name, and I refused to give it, as she refused several times to give me her full name as well. This bank should not be allowed to harass other people related to a debtor, or bearing the same last name ( XXXX is very common in parts of the world ) in order to collect debts or attempt to embarrass a debtor.
I am filing a complaint against Citi Mortgage regarding my review for a XXXX loan modification under the HAMP program. I successfully submitted a workout packet to the servicer. I was told repeatedly that I was quote " in review '' and that the file was being reviewed for home retention under the Government program. I am currently in a toxic interest only loan that is going to reset and my mortgage payment is going to skyrocket, making it impossible to keep my home. I finally received a decision and spoke with my single point of contact XXXX XXXX who stated. " Because you are not late XXXX XXXX you been denied a loan modification. I was provided the net present value findings, some of which were not even properly reviewed. They were left blank. I have opened up a dispute with Citi Mortgage and am soliciting an official complaint with the Consumer Federal Protection Bureau. Citi Mortgage is in violation of a Treasury Guideline under the Making Homes Affordable Program. Citi Mortgage egregious behavior is without questions unlawful. I am asking for a proper review and subsequent approval of my loan modification, which will enable me to keep my home.
Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
On XXXX XXXX, XXXX, I submitted a Request for Mortgage Assistance ( RMA ) application to Specialized Loan Servicing ( SLS ). Throughout the application process, SLS has falsely alleged that I did not submit " missing documentation '' and has repeatedly requested duplicate information. In example, I submitted requested pay stubs for a non-borrower on XXXX XXXX, XXXX via email ; however, SLS again requested the non-borrower 's pay stubs on a letter dated XXXX XXXX, XXXX. Moreover, SLS requested income information for me, although the RMA submitted and various documentation illustrated that I was unemployed and not receiving any form of income. SLS has failed to process my application in a timely manner. SLS has also required to submit unnecessary duplicate information. In fact, SLS initially closed my application as a direct result of their own errors. 

Furthermore, SLS systems reflect that I have been approved for a workout program, but I receive correspondence that I am missing documentation that was previously submitted.
Nationstar Mortgage LLC, the alleged servicer trying to illegally foreclose on our home, and the subject of breach of privacy complaint, ref CFPB file XXXX, who alleged XXXX to be the " current owner of debt '' on the Notice of Default that it recorded on XX/XX/2015, violates CA Civil Code 2924.17 for lack of proof of this statement. 
XXXX 's EVIDENCE - XXXX has " yet to conduct an investigation on this account '' and requested CFPB on XXXX XXXX, 2015, to extend its resolution date of XXXX XXXX complaint to XXXX XXXX, 2015 ( CFPB case number XXXX ). 

Nationstar 's recorded Notice of Default on XX/XX/2015, therefore, LACKS LEGAL FOUNDATION ... as the ALLEGED DEBT, and ALLEGED CURRENT OWNER of DEBT XXXX XXXX yes " yet to investigate the account ''. Until proven otherwise, this Notice of Default, remains to be UNLAWFUL and thus the resulting TRUSTEE Sale of our home XXXX XXXX, 2015. 

Nationstar also defaulted on XXXX 's Debt Validation ( DV ) Request of XXXX XXXX, 2015 ( relative to Nationstar/XXXX Notice of Debt Validation dated XX/XX/2015- with 30 day to validate debt ; then Nationstar violates FDCPA by recording the Notice of Default two days later, XX/XX/2015, without satisfying DV requirements ). XXXX requested in DV, among other things, to personally view the " alleged NOTE '' - per requirement of UCC 3-501 on presentment. 

Nationstar defaulting on this DV request, in addition to alleged owner of debt XXXX that has yet to investigate the account, renders this NOTICE of DEFAULT of NO LEGAL BASIS, and therefore UNLAWFUL and needs to be rescinded. 

Thank you, CFPB for your URGENT HELP.
XXXX XXXX now navient I have Over 12k if student loans they will not offer me a lower payment without sending me to collections