WillisBack/dataset-financial-user-claim huggingface dataset:
I have a mortgage with Bank of America, I did a loan modification last year and all way good. This past XXXX they raised my payment {$700.00} and said it was because my escrow was short {$5000.00}. I asked why this amount was n't added into the modification. They told me it was missed. I was also told that I could do another loan modification in a year and I was at 8 months from my last XXXX. So I did n't make my XXXX, XXXX, XXXX, XXXX payments and I started the loan modification process in XXXX. after a lot and I mean a lot of faxing, explaining, and showing prof of earnings. I get an answer, I do n't qualify. That same week I get a letter saying Its not 12 months to do a re loan modification it 's 24 months. So I filed a complaint with the CFPB and got a response from Bank of America with in 2 days. I was assigned a Customer Relations Manager. I talked with him and was told he will work hard to come to a resolution to the complaint. Now I 'm behind 6 months on my mortgage. He tells me to make a payment for XXXX of {$400.00} more then my original modification amount. So I did, he says now I 'll only be behind 6 months behind and my XXXX payment will only " Get this would be {$100.00} more then, my original loan modification. Then I get a letter in the mail XXXX/XXXX/2015 saying that a escrow review was conducted and my escrow account is now NOT negative. I call Bank of America today to Just find out where to send my XXXX payment. The customer care guy says that my house is in foreclose and a sales date could be at anytime. he also tells me that I 'm 7 months behind not XXXX. I asked to speak to my Customer Relations manager, He says I am no longer assigned XXXX. Also he tells me that Bank of America will not except any payments, The only payment that they will except, is XXXX that will bring my mortgage current. So I ask him whats the total amount to bring it current, He says I do n't know. He 'll have to email the lawyer that is handling the foreclose. I said, can I contact him, He says no, I ask to talk to my customer relations manager, He says no he 's not allowed to transfer me. So in short of it all. Bank of America took me on a 6 month, Stressful and pointless circle for {$100.00} which set me back 7 months on my mortgage and looks like getting foreclosed on. Thank you Bank of America.
I recently read AES has the second highest complaints of all loan companies, namley charging more in interest. This article prompted me in scrutinize my own arrangement to which I discovered that more often than not the majority of my monthly payment is put toward accrued interest. In total, I've paid XXXX toward my loan but only XXXX has gone toward principal. How have I paid this much money and have only paid off XXXX? 

Very few times was there more applied to principal than interest, I was often charged $ 20-50 or more in interest. There was even one payment that only applied {$9.00} to principal out of a {$170.00} payment. These monthly payment minimums are misleading as it doesn't say how much gets put in each month, the amounts are always different, and you can't edit to pay different amount. Who's to stop an extra payment from going totally to interest when you're not given the opportunity to express this? 

I believe my account needs to be fully audited and I demand some action be taken, this is criminal.
I began receiving phone calls XXXX days ago Caller Id states XXXX or unknown No one leaves a message on my voice mail so I looked up the number on the internet and it is id 'd as a cell phone I called the number and they claim they are Central Credit Services which are located in XXXX Today the phone rings and they ask me to verify my social security number to them which I refuse to do. They then say they are collecting on a Loan I owe to XXXX. Over 15 years ago I had a loan with XXXX XXXX who became XXXX. After paying off XXXX of the loan XXXX told me I could get a deferment They charged me {$20.00} to put my payments on the end of the loan and after three months claimed I was in default The loan was never payed off. I tell Central Credit Services " Why do n't you sue me? '' their reps reply is they ca n't because they do not own the loan. " Well '' then I ask " why would I pay you for it? '' She answers " because I work for XXXX '' I reply " you just told me you work for Central Credit Services! '' The rep tells me to hold on and a man gets on trying to be more forceful.He also tries to get me to verify my private info. I ask him to stop calling me with no caller id and leaving no messages on my answering machine. He replies he does n't have to stop and it is not against the law. I told him it is harassment and I will report him. I then hung up.
I paid a XXXX card in full but there was accumulated interest that was not on my statement. I was not made aware of that until after I had a 30 day late put on my credit report. I paid the balance in full soon as I found out about it. I contacted XXXX but they would not correct the situation.
I am having problem with XXXX Credit Bureau and Transunion I sent so many letter and XXXX send me the result and the stuff was remove and those XXXXwo credit bureau refuse to remove all I am getting from XXXX verified updated and meanwhile XXXX is deleted/ removed them from my report XXXX XXXX XXXX XXXX was removed from my XXXX account but still showing three time same thing on my Transunion and XXXX credit report and they refuse to remove it please update it between XXXX on XX/XX/2019 and XXXX XXXX XXXX was removed also from my XXXX credit report and XXXX   and Transunion still have it in the system please remove it was removed from between XXXX on XX/XX/2019 and XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX was removed XXXX XXXX XXXX was removed ( XXXX XXXXXXXX XXXX
I have had my Chase Freedom card since XXXX. After paying both my husband 's bill for his Chase Freedom ( he has had since XXXX ) and mine, I noticed that I pay 25.24 % and he pays 13 % in interest. We have been married for 30 years and I have a credit score of XXXX. Just a bit higher than his. I called to say that I felt that my interest rate was too high. That I was a good customer and that it should be similar to my husband 's rate. My rate is higher than that paid by those with bad credit! I was told I have no recourse. How can it be fair that I pay DOUBLE what my husband does? I feel this is discriminatory.
My student loans serviced through Nelnet were granted a forbearance. On XXXX XXXX, XXXX, I received letters from Nelnet stating that my forbearance would be ending on XXXX XXXX, XXXX and my next payment due date would be XXXX XXXX, XXXX. On XXXX XXXX, XXXX, my personal bank account was debited for the monthly payments. According to the representative I spoke to on XXXX XXXX, XXXX, I should have cancelled my auto debit that had been set up when I first began paying my loans in XXXX. She agreed that my first payment was not due until XXXX/XXXX/XXXX, but said that if I had auto debit it would still attempt to deduct from my bank account prior to XXXX/XXXX/XXXX. During the entire year of my forbearance, it did not auto debit from my bank account and now suddenly it begins debiting before I am expecting a payment to be made. This is an unfair practice and causes confusion and hardship to the borrower. They can not simply debit your bank account when a payment is not due and then leave the borrower to deal with XXXX overdraft charges because they were not expecting a payment to draft ( as was my case ) or worse, the payment does go through but another bill, perhaps a mortgage payment, can not be made.
Prior to XX/XX/2019, XXXX put an unauthorized transaction thru my account. My bank reversed it. On XX/XX/2019 I went and gave them a letter of revocation of ACH/Debits/Checks..and they refused to accept it. They said they don't have to revoke authorization. 

Today another XXXX transaction hit my bank account. My bank will return the item but they need an understanding of revocation of ACH. They don't feel they have to honor it.
i was incarcerated when this account was open this fraud representative claimed i forged a police report through XXXX police that was filed and XXXX police, you can confirm that both identity theft police reports where not forged and are accurate, i was in federal custody when this account was opened and there failing to remove these accounts, by bureau of prison inmate number as XXXX and i was incarcerated from XXXX/XXXX/2010 for XXXX months and they can confirm this online and are refusing to do so, they can confirm this info through XXXX and wont do so and say they verified this account as mind and its NOT mind. I was at FCC XXXX XXXX at the time this account was opened no way i could have opened this account and you being the government can confirm both police reports in both cities and can easily verify where i was when this account was opened under my name, there violation my rights under the FCRA and FCBA
Navy Federal Credit Union withdrew from my account savings/checking to resolve an outstanding credit payment. I had full intention of paying such balance, but was no informed of any deduction that would take place or a call to submit a promissory note for payment. Navy Federal states that it is part of their credit contract to do such deductions. I was not aware of any section in the contract that was clearly visible that any such deduction could occur. 
I have also noticed a trend of certain deductions from my account being made while the payment is still pending and then a second deduction when the payment is cleared. I am fully aware of the fraudulent activity that has been happening with Navy Federal recently and I have grown concerned over they 're honesty and ability to maintain accounts properly.
XXXX XXXX has called me numerous times a day leaving messages stating that I must call him immediately about my case and that they will be garnishing my wages. He then proceeded to call my mother, step mom, and both sisters and gave them personal information. He told them I wrote a bad check, or that it was a legal matter. Both of which are false. I had already spoken with someone there about making payments, but they still call my family members and threaten to call my work. Also, I requested they mail me verification of the account and they refused. The woman argued with me saying my contract with XXXX was now theirs and that everything I agreed to with them, I had agreed to with her company.I told her that since she was n't the same company, I had not signed a contract with her. She got very upset and then finally agreed to mail me a letter.
I had deposited {$8700.00} cash into an account at the Bank of America ( boa ). The account # is : XXXX in NY for an XXXX XXXX XXXX. But when I got back to my house and went on the computer. I found out that I sent it to the wrong person 's account. It should have been sent to XXXX XXXX. Account # : XXXX.in CA. All I want is to get my cash of {$8700.00} back to me.
I 'm sure I 'm not the only one that has done this before. I am sorry for creating the problem but there should be a way to correct this mess.
I hope you might be able to have the money sent back to me, freeze the account or put a HOLD ON it. Until this gets settled. I have tried several times to get in touch with XXXX XXXX. No answer nor any leaving of a message. His phone # : XXXX.
I would really appreciate any assistance you can give me. My Home # : XXXX
SincerelyXXXX XXXX XXXX XXXX
To whom it may concern My name is XXXX XXXX i got my credit report about a month or to back and saw somethings that wasnt correct for starters my name is not XXXX XXXX XXXX it is XXXX i also had inquireys that i never made i called the companys and the credit bureaus and no one can seem to help me so i was googling legal Options and came accross you and your my Last resort
This case started in XX/XX/XXXX when I received a bill from GM Financial ( Acct # XXXX ) stating that I owe a Miscellaneous Receivable of {$90.00}. After calling GM Financial and asked for explanation, I received a copy of a collection bill from XXXX XXXX XXXX, XXXX from GM Financial ( Exhibit A ). After receiving numerous bills for the {$90.00}, I sent a letter to GM Financial ( Exhibit B ) dated XX/XX/XXXX requesting validation per Fair Debt Collections Practice Act. GM Financial continued to ignore my request by sending more bills in request of payment of the {$90.00}. To avoid any negative marks on my credit report, I paid it. Now it is XX/XX/XXXX, and GM Financials process has started again. In XX/XX/XXXX, after a phone call asking for verification of a {$230.00} Miscellaneous Receivable bill, I received a package from GM Financial of three statements from XXXX XXXX XXXX, XXXX totaling the {$230.00} ( Exhibit C ). On XX/XX/XXXX, I mailed a Certified Letter to GM Financial asking for validation of their validation process ( Exhibit D ) in relation to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. As a result, I received a regular bill dated XX/XX/XXXX stating a Miscellaneous Non-Taxable bill stating the same {$230.00} and no explanation to certified letter sent ( Exhibit E ).
car company charged me online, and gave me quoted price of XXXX $ for a car. 
then i got there and they said they are not affiliated with the online place. but they put the XXXX $ toward a much larger charge, lying and proving they were affiliated with them. 
they took cash for the difference, and ran my cc for " authorization '' in case i wrecked the car. 
then they wrote down the cc number, and when i left the country, charged me almost XXXX $ fraudulently. 
I wasn't even in the country anymore and never signed to authorize any such charges. 
I reported this to the cc company and faxed them a receipt of the cash payment i made, showing they wrote down the card number. and that the charge was marked as authorization/delayed charge. 
The cc company said they couldnt read it. i faxed it again. again teh same guy said he couldnt read it. i told him to give me an email or digital method to send it and he refused. 
then he hung up on me. 
i then got a call and voicemail saying on friday night like XXXX that if i didnt mail it and he had it by sunday, that he would close my file and deny my fraud claim. 
i called and spoke to a supervisor who said i wouldnt have to deal with him anymore. and they would have a supervisor call me back. they never did. instead i mailed in the document and got three letters from the first guy first claiming he didnt get the faxes, then claiming he got them and it was illegible, then claiming something else. all three letters were contradictory to each other. so i called again and a supervisor " took my complaint '' and said i wouldnt have to deal with that guy anymore. and a supervisor would call me back.

i got a call from a supervisor who claimed i hadnt sent in enough documentation and that they were denying my fraud complaint. then i got a letter saying that the documentation i sent was outside the time frame to assist me, even though i sent it three times and it proved beyond a shadow of a doubt that a ) the car company lied about the charges, lied about affiliation with the online place, overcharged me while i was there, and then double charged me on my card later. 
either way, this is a fraudulent charge and they are trying to make me pay for it.
I have multiple incorrect and unauthorized credit inquires 1. ) XXXX XXXX XX/XX/XXXX 2. ) XXXX XXXX XX/XX/XXXX 3. ) XXXX XXXX XX/XX/XXXX 4. ) XXXX XXXX XX/XX/XXXX 5. ) One main XX/XX/XXXX 6. ) XXXX XXXX XX/XX/XXXX 7. ) XXXX XXXX XX/XX/XXXX 8. ) XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. ) XXXX XXXX XXXX XX/XX/XXXX 11. ) XXXX XX/XX/XXXX
We have 3 valid complaints as follows please : 1. Client has an approved short sale under the HAFA program. The 1st lender XXXX had approved the file w/ escrow close date on XXXX/XXXX/2016, with {$12000.00} pay off to the 2nd loan, an equity line of credit. The assigned negotiator of the 2nd lender, Chase, wont approve the file under the HAFA insisting that XXXX approval letter should contain a specific HAFA verbiage. XXXX however refuses to issue a special letter as requested since the bank 's letter is auto generated. XXXX, to satisfy Chase 's request sent a letter with XXXX signature but still Chase 's refuses to honor the approval letter. The settlement statement ( HUD ) clearly shows that account is a HAFA short sale. We want to close escrow but Chase apparently is not cooperative and intentionally making the process too hard for every one unnecessarily. Our goal is to close the short sale as approved under the HAFA program. Account is delinquent with an active foreclosure process but since short sale is in progress, a sale date is put on hold. 
Please help our client. 
2. An incorrect account no. has been provided by Chase 's negotiator, speculatively was done in purpose so other departments can not have an access to the account, like the escalation department, or the supervisors. 
3. Numerous calls have been made to the 2 supervisors of Chase but no return calls. 
The author / person filing this complaint is assistant to the listing broker.
I submitted a full package for mortgage assistance back on XXXX XXXX, 2016. Since then I have not received any correspondence or calls from any point of contact or representative on behalf of Bayview. When I do call in I am transferred to a single point of contact but yet they never answer nor return calls so I am left calling back only to deal with the same issue. Bayview should have all documents for assistance and should be reviewing my file accordingly as there is an upcoming foreclosure sale in 2 days! I feel I am being treated unfairly and properly given the urgent situation of my foreclosure.
loan XXXX I had to call to find that I had a credit balance that I could use lender emailed me the form ; I signed and faxed back I asked to have the check expedited since I need it for high electric bills in AZ rising to111 degrees lender will not XXXX XXXX the check its going to take up to 3 weeks for the check to be received
I have worked very hard over 25 years to have outstanding credit. I have all credit card statements sent to me by post each month and pay my credit card Statement in full, each month.  For reasons I will never know, I did not receive statements from Bank of America for the months of XXXX-XX/XX/XXXX.  When I inquired about this and finally received hard copies on XX/XX/XXXX I paid the amount in full the same day and they willingly removed the delinquency fees.  When I asked them to send me proof that the bills had been sent each month so that I could work with the US Postal Service to find the problem, they could not send me any evidence that the bills had been sent. None-the-less, Bank of America closed my account which affects my Credit Rating.  This is just wrong as it helps Bank of America and hurts the customer.  When Bank of America  causes a problem for a customer, it is in their best interest because reducing a customers credit rating allows them and all other credit agencies to charge higher fees.
On XXXX XXXX  of this year, I was served a Summons and Complaint from Schachter Portnoy, LLC, regarding a debt I owed their client, XXXX XXXX XXXX, XXXX. Prior to this, I received no communication, either via phone, or letter, that they purchased the debt from XXXX XXXX  ( formerly XXXX XXXX ).
the company Carrington mortgage, is trying to foreclose on our home, they are trying it as of now XX/XX/XXXX, claiming we missed on our payment program, they are now in the process, of trying to foreclose on us giving us no opitions, they are being very sneaky not wanting to help us.
American Express cancelled my account after having it open for almost 1 years with flawless operation and funding on my part, I made XXXX ach transfers from my bank, and after the XXXX XXXX failed for XXXX on XXXX XXXX, I contacted the bank to advise them that the XXXX XXXX for XXXX would fail, I asked them to cancel the transcation knowing that it would fail and they said they would not or could not. The transaction failed because of a mistaken hold my other bank had on my saving account that restricted both incoming deposits and ACH debits, I was not notified of this hold by my other bank XXXX want the account to be reactivated and all my records and " bill pay " history to be made available to me. American Express and their offshore call center tell me all the info is never accesable to me again because this is or was an " online Account '' I want my account reopened I have all my direct deposits paychecks ( XXXX ) being deposited directly and this will cause my money which I will have received this week to be blocked. 

I did nothing wrong other than a mistake and advised them right away and was assured that my account was in good standing and that I had handled it properly in light of the circumstances. 

XXXX XXXX XXXX
I had applied for AT & T XXXX XXXX Credit card from Citibank ( XXXX ) and the same got approved on XXXX XXXX, 2015. The card has an annual fee of {$95.00} and it has an offer related to reimbursement of upto {$650.00} incurred towards purchase of new cellphone from AT & T provided new user spends {$2000.00} within 3 months. However, AT & T ( Both online and Physical store ) has declined to honor the offer citing obscure reason that they are not sure about my identity ( they can issue me a credit card nonetheless ). Even citi bank has not stepped into resolve the issue even after multiple complaints. I feel I have been cheated by the fraudulent advertisements of citibank.
I own a condominium in XXXX, XXXX XXXX. I had a mortgage with J P Morgan Chase that was paid off in XXXX of 2013. I just found out recently that Chase never submitted the satisfaction of mortgage with the County Register as required by NY State Law Chapter 50, Article 8, Section 275. I contacted Chase and the bank admitted the error and is now in the process of submitting the satisfaction to the County Register, approximately 2 years after it was paid off. According to the NY State law, Chase is obligated to pay me {$1500.00} as a penalty for late filing. I asked Chase to pay me the money, but the bank refused. The person I spoke to is XXXX XXXX ( XXXX, extension XXXX )
Purchased an item and offered interest free for 24 months if I got their credit card ( GE Capital, now Sychrony ). I was given an amount to pay over those 24 months and set up automatic payment on GE Capital 's ( now Sychrony 's ) website. Problem is twofold : 1 ) Not really interest free, it is interest deferred ; and 2 ) the monthly payment they set up for me was a minimum amount and not sufficient to pay off the amount in 24 months. On 25th month, got hit with interest charges and late fees retro to the original principal amount, even though XXXX % of the principal had been paid. That was 34.99 % interest per month retro for 24 months! Statement just prior to last payment said nothing about this happening. Did n't know about it until interest charge appeared on next statement. In fact, 23rd statement just said that I had to continue to make the minimum payments to avoid a {$35.00} late fee. That was incorrect as well. I had to pay it off in order to avoid the penalty charge.
Bank of America reorganized my charges on my account to put a {$38.00} charge at the most recent in order to access me a {$35.00} over draft fee putting em XXXX in my account.