WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX I went into my auto loan website to make a payment as I normally do each month. I received a " website experiencing difficulties '' message try again later. 2 days later I tried again and the process completed. On Tuesday morning when checking my bank account I noticed 2 payments processing at the same time one after another. The duplication was obvious and since it was in the " processing " I called my bank right away - my account became overdrawn by {$600.00}. My Bank ( XXXX XXXX XXXX ) told me to contact the loan bank ( Wells Fargo ) I called them and asked them to please correct the duplication since it had not completed processing. The customer service person worked with me and got back to tell me there would be a refund within 48 hours. After Thursday and no refund I contacted them again ( Wells Fargo ) and they checked the notes and told me the refund was processing. I was in bad condition with my account with {$140.00} more in nsf fees and items returned. I had to file a claim with XXXX XXXX XXXX for the duplication and they helped me a bit by crediting back the payment. After XXXX weeks I never received the refund and when I called Wells Fargo the story changed now, they credited my second payment to XXXX XXXX - almost 2 months after the website issue. I am still struggling to get my budget back to normal but it has been hard. Now I am unable to resume making payments in the Wells Fargo site and they are blocking my bank account number from being used. When I contacted my bank ( XXXX XXXX XXXX ) to lift the hold, they stated they had no hold and Wells Fargo initiated the hold., Wells Fargo will not allow me to resume my online payments and I am being charged {$86.00} in late fees. This is more than predatory in nature, it is dishonest and bad. I do not earn that much and it has been difficult for me to try to catch up with the damage that continues. I am thankful at least my bank helped me a bit but this nightmare is not over.
Note : This request pertains to  Citibank  Credit Card Services, the provider and agent of my monthly recurring charge for the company listed in this complai nt (   XXXX  ) and which appears on my monthly billing statement. I am asking a response from Citibank, not the  XXXX  in particular to avoid any confusion through this form submission.     Complaint There are two separate issues related to this Citibank credit card account for the same vendor, the  XXXX .  One  is related to chargebacks, the other concerns recurring monthly subscription payments for the  XXXX  that were cancelled by  Citibank without consent resulting in untimely collection calls from the vendor. The cancellation of the monthly recurring payment on my Citibank  credit card was not made by me since there was no interest in cancelling the  XXXX  membership. I have attached a letter to this inquiry due to space limitations on this form. Please see attached letter. The file : CFPB - Citibank
On XXXX-18, I opened up a tab at a bar with my Chase debit card. Upon closing the approx {$20.00} tab, a Chase debit card was given back to me, although it turned out to not be my debit card. I did not come to this realization until the next morning. I immediately checked my online banking accounts the next day and saw numerous fraudulent charges ; detailed dates and transactions attached. I then called Chase claims services to file the claim and report my debit card stolen. Chase investigated the claim and came to the conclusion that the claim was denied. They stated that because my PIN was used on the fraudulent transactions, that i was not owed my money back. I have evidence on one of the attached documents of an email that was sent to me at the time of the fraud. The email is a fraud alert from Chase showing that 2 ATM cash withdrawal were attempted and then successful at a XXXX XXXX. This was the beginning of nearly {$4000.00} in ATM withdrawals and purchases on XXXX-18. I have witnesses that can state I was out with them in XXXX at the time of the fraudulent transactions ; most of the transactions occurred in the XXXX suburbs. The end result is I was not reimbursed for the fraudulent charges and Chase claims was not helpful in the matter.
ON XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX PULLED MY CREDIT ON XXXX WITHOUT VALIDATION NOR NOTICE.IN XX/XX/XXXX WENT ON ALL CREDIT REPORTS. KEPT CALLING MY DADS CELL XXXX AND CELL XXXX 12 TIMES AFTER CEASE AND DESIST NOTICES.
My loan was sold to Suntrust shortly after we obtained it XX/XX/XXXX. Their service has been unremarkable until recently, when I received a XXXX page machine generated letter stating that my house insurance had lapsed and threatening to buy a policy at a cost of more than XXXX times the actual cost of my insurance if we failed to update them. The letter claimed a lapse " notification date '' of XX/XX/XXXX. My home policy anniversary date is XX/XX/XXXX. I received an invoice from the insurance company on XX/XX/XXXX or thereabouts and I actually paid the premium online on XX/XX/XXXX ... which came out of my bank on XX/XX/XXXX. Just to be sure that it had posted, I talked to my agent on XX/XX/XXXX and she validated that it was in the system. 

The postmark on the letter SunTrust sent was XX/XX/XXXX. In Virginia they ca n't take any action until 60 days beyond lapse. Clearly they checked with my insurance company after the invoice date but before the anniversary date. Either it took them five days from the prodcution of the letter until it hit the mail ( incompetence ) or the letter was printed after the claimed notification date ( deceit ). They told me on the phone that they had checked with my insurance company before the letter went out. Either they checked before the actual due date and did n't check back on XX/XX/XXXX ( incompetence, deceit, or both ) and the sent the letter without thorough checking officially putting the burden on me to send proof of payment ( bad customer service ). And they have incurred unnecessary costs on ther off-chance that they will be able to charge way above market rates in the -- most likely -- few cases where there is a lapse that is not remedied within the statutory 60 days ( predatory business practice ). I am going to complain to the XXXX ... and the Consumer Financial Protection Bureau.
Navient deliberately ignored my request to remove co-signer knowing that I am a XXXX XXXX XXXX  XXXX Veteran. They knew that my private loan would go into default therefore there they did not exercise due diligence to investigate this. They requested documents that they did not take into consideration nor did they take my payment history into consideration. My loan is my sole responsibility and based on the fact that I have 100 % payment history for four years, my co-signer should be released. I have been paying a {$20000.00} for four years and the current total is {$32000.00} and when I started my repayment plan my total was {$36000.00} so within four years my loan has only a {$4000.00} dent with a monthly payment of {$300.00}. Navient has ripped off me off and is continuing to harm me financially throughout the repayment process.
Last Reported XX/XX/XXXX Collection Agency MED DATA SYS Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$170.00} High Balance {$170.00} Remarks Placed for collection
I've had an HSBC credit card for a few weeks. Unable to log on HSBC website. Message says, " unable to access your information ''. I've called HSBC over six times and have spent HOURS on hold with no resolution. My card is apparently invalid, but company hasn't told me why. I'm concerned about the possibility of fraud and my credit rating.
XX/XX/2019 I deposited a check for {$2800.00} into my account via mobile deposit through Key Bank. I contacted Key Bank through their 800 number and was notified the deposit was being put on a 7 day hold and to find out more I had to contact the branch manager. I contacted the branch manager at Key Bank in XXXX, OR where I banked. She was not exactly sure why the hold was placed or what was taking place. The branch manager contacted Key Banks internal fraud department and got back to me after she figured out what was taking place. She notified me the check would be on a 7 day hold, reason was the bank didn't believe the check was good and that it was a fraud. She told me as of XX/XX/2019 the funds would be available and the holds would be removed. Come XX/XX/2019 the funds deposited into my account yet then key Bank froze my entire account. I got a letter from Key Bank in the mail that stated they had confidential information believing the check wouldn't be paid out yet the funds and the holds would be removed as of XX/XX/2019. As of XX/XX/2019 my account is still frozen the check cleared and the bank from which the check was withdrawn from verified the check to Key Bank and the law firm that sent me the check also verified to Key Bank the check was good.
XXXX for XXXX dollars account is closed and confirmed by a company representative. Paid off
Tcf app not showing the same info as what is being charged in OD fees. Pending transactions will not show up but being charged for them. Tcf has refused to reverse these OD fees upon request. TCF also is charging double fees on returned items one nsf fee and one returned item fee causing a XXXX dollar charge!!! I have been charged hundreds of dollars in OD fees since XX/XX/XXXX. I would like a reversal of these fees. Pending debit card transactions are already deducted at time of purchase from your available balance. I should not be charged up to 5 OD fees a day for one OD.
I have uploaded the FTC Identity theft affidavit, the police report, the utility bill and drivers license, copies of my social security card, and every other ridiculous document Experian and XXXX have requested. Every time I upload something they tell me they need something else. In my previous dispute with CFPB, Experian stated that they need the Identity theft affidavit from the FTC, and THAT is what they didn't remove the items. Yet that has been mailed, uploaded, and faxed to them at a minimum 3 times. This is getting absurd. My credit is extremely hurt due to identity theft, and I have taken EVERY step to rectify it only to have Experian be the ONLY reporting agency to refuse to remove ANY of the necessary fraud items. XXXX had removed a few but keeps putting them BACK on my report. XXXX   removed all these items, and is the only agency to do so. This is not right that these credit reporting agencies can do whatever they want with no accountability.
This is a follow up to complaint # XXXX where the bank USAA resolved the issue in my favor but as " revenge '' decided to deliberately disable my overdraft protection linked to my USAA credit card on both of my checking accounts. Customer service there following the complaint only got worse and more rude where they could n't answer the most simple of questions of when the hold policy would change as it applied to me because I was getting conflicting answers. They suddenly decided to do as I asked one day, refunding the interest charged on my credit card and lifting the hold policy but decided for some immature unprofessional reason to disable the overdraft protection on both of my checking accounts, which has now resulted in a {$29.00} overdraft fee from them on XXXX plus probably interest and a late fee from the credit card company requesting the payment. I really do n't understand why they ca n't be straightforward and professional instead of having a temper tantrum. The complaints will continue until they do the right thing without exceptions.
On XX/XX/XXXX, I sent investigation requests to XXXX  and Trans Union, asking them to investigate errors on my credit report. They are supposed to conduct investigations and respond back to me within 30 days. Today is XX/XX/XXXX, and neither have responded. Obviously, both agencies have taken too long.
Someone had pulled hard inquiries without my permission XXXX  1.XXXX XXXX, XXXX and XXXX XXXX 1. XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX
I opened a secured credit card in XXXX XXXX I had to pay a security deposit of XXXX and I setup the account to have a XXXX limit before opening the account there was an option to increase the credit limit so I paid {$100.00} through my banking financial institution which now made my credit limit {$400.00}. A few days ago I closed the account because I no longer it and its only showing I had a {$300.00} security deposit. I contacted capital one on XXXX/XXXX/XXXX and they tried to tell me that they gave me the additional {$100.00} which is not True on a secured credit card the company gives you no money, any money used on the account is what you put in. They are now saying I owe them {$100.00}. The supervisor could n't even tell me when they supposedly gave me the increase.
XXXX continues to have collection agencies try to collect a debt that I do not owe. I have filed several complaints with protection agencies over the years, but XXXX continues to harass me.
First, this was not just a modification and it had been approved name was changed out of the estate of my deceased daughter. Ocwen put it back into the estate of my deceased daughter. Terms and all conditions are supposed to be provided up front no matter what.

There is a legal requirement to provide ALL terms and conditions up front under RESPA, not a courtesy. The only thing that would void this situation is if I did not perform not make agreed payments.

Ocwen providing documents when and where you want is not my problem, and I intend to not let you make it my problem.

Not three but Five Payments were made before I could get Ocwens attention that a mistake, a servicing error had occurred. Ocwen doesnt get to go back and correct this in Ocwens favor.

There is a trial period but no trial terms. If I start off paying {$300.00} a month I will continue to pay {$300.00} a month and Ocwen does not get to revise terms at a later date to the extent that Ocwen has revised, especially after you deemed me qualified. Ocwen should know better. Ocwen did not provide the information in XX/XX/XXXX as you allege, that is a lie. In fact after the fact Ocwen has gone back tried to clean everything up and tried to sell the loan Five Months later.

You are trying to protect OCWEN, but damaging the homeowner in the process by not following the laws.

If you were Providing a Courtesy it was to Ocwen. I performed Ocwen did not. I did not need your Provided Courtesy, what I need is for you to provide and abide by the law. FHA, HUD, RESPA.

If assisting homeowners is what you do What happened? But that is a lie as well.

I am not opposed to my loan being transferred. I am opposed to Ocwen doing a sloppy and illegal job of following through properly and legally on my loan transaction and contract.

Further, if there was a problem Ocwen had six months previous to the start of payments to make those decisions or changes or not offer a loan contract.

Ocwen cant after the fact scrap the contract after I have performed. If Ocwen were counting on me to not make payments they took a risk/gamble and lost. Ocwen certainly cant think sending my payments back makes OCWEN right.

You requested every document possible and had every opportunity to not make the offer, but once I accept after your careful scrutiny you can not go back and change it after I perform. You certainly cant do it within the constraints of the law.

However you slice it Ocwen has a problem. This needs to be handled by XXXX XXXX because it is now above anyone elses pay grade.

I know the process and the laws behind it. Ocwen will not get away with this.

I know what occurred and your lying is not going to make this go away. Please do what should have been done when I first called it to your attention.
I am a credit card account holder with Chase. My card card account was compromised ( fraud ) by a company named XXXX XXXX XXXX with a listed address XXXX, NY XXXX and a phone number of XXXX ( on my account statement ). It unlawfully charged my credit card for {$14.00} on XXXX/XXXX/XXXX and it posed on XXXX/XXXX/XXXX. The Company appears to be a music streaming service. When I researched the company, on one site, I saw that several ( probably thousands easily if you multiply account holders that do n't check their statements ) Chase account holders have been victims since XX/XX/XXXX. On website showed similar fraud dating back to XX/XX/XXXX and several in XX/XX/XXXX. I called Chase customer service and spoke with their Fraud division on XXXX XXXX, XXXX. 
After they agreed to remove the charge, I asked the fraud dept. rep. why they did not contact their customers to advise them their cards were compromised and was advised an investigation is ongoing. I again asked if it made sense to alert customers that their personal information has been compromised ( possibly via a data breach ) or contact law enforcement and was told the investigation is ongoing. While they spend years investigating, people are becoming victims of fraud and identity theft.
I have a credit card with FNB Omaha, I 'm unable use a service with the card because I 'm using the card. Makes no sense to me. I have n't been late on any payments, I made a cash advance and XXXX transfer. Since that time my account has still been paid on but I 'm being told I ca n't do another balance transfer because I 've used the card more than they think I should have. I 've had the card for nine months. Got XXXX credit limit increases. I would like to be able to use my offer to transfer a balance. I have XXXX pending offers to do so.
Date of service for my husband ( I am the insured ) was XX/XX/XXXX. Debt was paid XX/XX/XXXX after our bank accounts were 100 % frozen ( in violation of New York Exempt Income Protection Act ). Satisfaction of judgment was issued from the debt collector 's office. Shortly thereafter we began to receive requests for further payment under same account number and also requests for different dollar amounts under a different account number. All were requests for same date of service that was already satisfied, along with threats of income execution. Voice mails that were left were never returned however one time we did call and speak to a XXXX XXXX who said he would send documentation. We responded in writing to each request being that supporting documentation did not indicate a second unpaid charge and in some cases documentation from hospital stated XXXX balance due from patient from that date of service. Our last communication to them in XX/XX/XXXX stated that we were disputing the debt and in XX/XX/XXXX we received the same document that they had sent multiple times along with a payment authorization we signed upon admittance to the hospital- still not indicative of a second charge from this date of service.
I found out 10 days ago on XX/XX/XXXX that my funds on XXXX were frozen ( I tried to withdraw and could n't, they never gave me any other notice ). The message said enhanced security had been enabled because of my accounts value and that I should contact XXXX to re-enable withdrawals. I emailed them as instructed. It 's been 10 days and other than an initial automated response I 've had no responses. My follow up emails have gone unanswered as well. 

The account is currently worth XXXX ( XXXX ether ). 

Thank you.
This incorrect information appeared on my account in XXXX. 
Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX - Company Sold-to SOLD TO ANOTHER LENDER
In  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  conducted an unlawful foreclosure of the homeowner 's property. In a subsequent eviction action homeowner challenged the foreclosure and the parties agreed to rescind the foreclosure and give homeowner a loan modification allowing homeowner to remain in the home with an affordable mortgage. The servicing of the loan was transferred t o Ocwen Loan Servicing, LLC  and the Modification Agreement was signed by the borrower on  XXXX   XXXX ,  XXXX .  Borrower has made all required payments under the Modification Agreement.   However, in  XXXX   XXXX   Ocwen  returned her  XXXX  payment because the check inadvertently did not have a specific date but just said  XXXX   XXXX . Borrower sent a new check for the  XXXX  payment but since then there have been continued problems with Ocwen accepting payments. In  XXXX   XXXX  borrower sent a bank check -  Ocwen  claimed it was never received but borrower 's bank says the check was deposited. The remaining checks from  XXXX   XXXX  on have not been accepted by Ocwen and have been returned to the borrower. Through counsel borrower contacted the attorney for Ocwen who handled the recession of the foreclosure. Borrower sought to pay the money owed but there appears to be a difference in the amounts the borrower an d Ocwen believe are owed. Counsel for Ocwen now says they are no longer handling the case. In addition Ocwen is claimin g borrower is in default and have begun the foreclosure process. Borrower is more than willing to pay the amounts she owes for the months of  XXXX  through  XXXX  and wants  Ocwen to immediately stop all foreclosure proceeding. Borrower does not believe she should be charged for late fees and property inspection fees as these were incurred because of Ocwen 's failure to accept timely paym ents.
Received a call from an " investigator '' on " a case brought against me. '' She identified herself as XXXX XXXX from XXXX and started asking me to identify myself by giving her personal data. When I asked what the acll was pertaining to she refused to tell me. Upon giving her my personal info she said it was re repossesion of my car. I called the bank and resolved the issue removing my car from repo. Calling her back to notify her she said she would call the bank, that my car still needed to be repossed or I would be taken to court. This is after I resolved the matter with the actual creditor. She is with a third party who was n't even able to discuss the particulars of my matter but still wanted to interject. I 'm now fearful that the agreement with the bank will be reversed after it was resolved.
my name is XXXX. i was attending XXXX when the school shut down. i have a private loan with American Student Financial Group my loan was for XXXX and they are saying i still owe them since they payed XXXX in full. i however disagree that i still owe them due to the fact XXXX did hold up there end of the deal by letting me complete my education. i have payed them what i have used which was almost XXXX dollars. I dont care to have my money back i just dont want to be responsible for this loan anymore. i have called them and they have said that i still do have to pay them
On XXXX XXXX, XXXX, XXXX closed my online account that I use to send money without notice. When I contacted customer service to find out why, I was told it was for security reasons but they would not provide me with any more information. This was very frustrating because I have been using this online service for about 4 years. It is very convenient for me because my work hours do not permit me to visit a location. Closing my account without providing me with some form of explanation does not really make sense to me. I feel like I have been discriminated against.
AS Astra sent documentation affirming debt of XXXX however failed. ( 1 ) They failed to validate acquisition price paid and incurred expenses ( my new liability to AD Astra as a debt buyer ) to justify continued collection attempts. This is my right. Otherwise, ( 2 ) this is an active attempt to collect usurious interest as defined by the RICO statue by pursuing of collection posted to all my credit reports impacting my credit score ( 3 ) and Failing to consistently report the same data to all bureaus, date of debt varies as reported to 2 agencies. My new liability is estimated to be less than 50.00. Unreportable in this circumstance.