WillisBack/dataset-financial-user-claim huggingface dataset:
I paid off both student loan accounts with Navient ( servicer ) in XX/XX/ by requesting a loan payoff amount directly through Navient 's website. In XX/XX/XXXX, I received a loan payoff confirmation letter, but it only confirmed that one of my accounts was paid off. ( See attached copy ). Then, mysteriously, my account reflected that I had a several XXXX dollar rebate credit, which would be sent to me. When I contacted Navient regarding the rebate, they acknowledged that it was in error and that my student loans were both paid off on full, and that no further payments were required. 

Then on XX/XX/XXXX, I received a statement from Navient stating that I had further payments due, and that I needed to pay {$49.00} in my next monthly installment, which would be due XX/XX/XXXX ( yes, XX/XX/XXXX, not XX/XX/XXXX or XX/XX/XXXX ). I then called Navient on XX/XX/XXXX, and spoke to Navient employee no. XXXX regarding various accounting discrepancies. She acknowledged that Navient was in error and that I would receive revised statements reflecting a zero balance. I requested a full accounting be provided from the beginning of the loan to the present, reflecting loan disbursement amounts as well as all payments applied to the loan. She said the accounting would be provided on XX/XX/XXXX. 

To date, I have not received the requested accounting from Navient. According to Navient 's online statements, I have calculated that I overpaid my loan accounts by somewhere between {$480.00} - approximately {$610.00}, but it is unclear from Navient 's records what the exact amount is. Receiving an accounting would help clarify what amount has been overpaid. 

I believe I am owed a significant overpayment check from Navient, but have not received the accounting I have asked for nor any over-payment check. I would like both of those as soon as possible, given my loan payoff in XX/XX/XXXX.
I called to cancel XXXX XXXX cable because I couldn't afford their service anymore the customer service rep said there were going to waive all the charges from what I owed {$92.00} I didn't have to pay it now it's on my credit report
I deposited XXXX of XXXX checks on XXXX XXXX. The check that I am writing about more specifically was the one which contained the funds left from my retirement fund. I was automatically mailed the check by the retirement fund management company after I know longer had my job. As I understood it, I needed to deposit the check to access my retirement funds and I did not believe I had a choice of keeping the retirement account as I am no longer employed. Unfortunately, I temporarily misplaced my check after I received it in the mail XX/XX/XXXX. When I was organizing and sorting through papers on XXXX XXXX, 2016, I found the check. As I wanted to have access to the funds previously in my retirement account I immediately proceeded to deposit the check along with another check issued in XX/XX/XXXX. I believed nothing to be fraudulent about the checks I deposited, at least on my end, and all I intended to do was access the funds as a balance to my checking account. I deposited the check at a consumer bank d.b.a. Chase, a division of the financial company JPMorgan Chase, at a location in XXXX, California where I signed the check and furnished it to the bank teller at the branch.The check I deposited from my retirement account, in the amount of {$19.00} was accepted by the teller and in my account information, it appears to be accepted and then rejected with a {$12.00} debit administered, in additional to the rejection of the funds in the amount of {$19.00}. Unfortunately, as I am not a business, I do not believe I have the ability to levy a fee to the retirement fund company in the amount assessed by the JP Morgan Chase consumer banking division Chase, in the amount of {$12.00}. I can not afford to pay this fee and the main reason I bank at Chase is because of the lack of fees assessed to my account as opposed to some competing national banks including XXXX XXXX and XXXX XXXX XXXX. As a consumer banking product for myself, I need checking account services which agree with my spending patterns. I really hope I was not provided with a fraudulent check, or one having insufficient funds.
I am XXXX years old and can not pay {$570.00} per month for this transaction I did not know that the usury interest of 223 % would be so much ... .They want me to pay {$10.00} XXXX in interest on a {$3000.00} my social security check is XXXX ... .Please help me
XX/XX/XXXX, I received Notice of Cancellation from XXXX XXXX XXXX ( HO ) and contacted my agent to find out what 's going on. Agent reported that XXXX ( servicer ) had paid wrong HO insur co ( believed to be XXXX ). I  then learned XXXX had forced placed ins with a 3rd ins co ( XXXX ). XX/XX/XXXX, XXXX Escrow Statement XX/XX/XXXX reported an escrow shortage of {$4500.00}, and listed 3 separate payments for HO insur for  {$1600.00} each. XXXX increased my monthly payment to account for the escrow shortage. A copy will be uploaded. XX/XX/XXXX, XX/XX/XXXX, despite frequent multiple requests to XXXX to confirm the Escrow Account balance had been corrected by refund of excess payments and reduction of monthly payments because any Escrow Shortage was due to XXXX 's actions, XXXX never provided the requested information nor corrected the snowballing fees and overcharges directly related to XXXX 's errors. Then, without prior notice, and without correcting the errors in the account ( overcharges in monthly payment amount, late fees, increased interest from misapplication of payments, etc. ) servicing was transferred to Seterus, Inc. XX/XX/XXXX-XX/XX/XXXX, after receiving initial account information from Seterus , Inc. , and seeing that XXXX  had never corrected their errors and the fallout  from those errors, including payment by Seterus to XXXX of over {$400.00} in late fees I contested, I started my campaign of regular phone calls to Seterus explaining the XXXX escrow account mismanagement, over inflated principal amount, outstanding late fees, and newly revealed escrow shortage. All to no avail. Despite my persistent requests to Seterus to obtain the appropriate Escrow Reconciliation Report from XXXX, to this day Seterus never did. This is in addition to the multiple requests to XXXX. XX/XX/XXXX, I sent both a detailed Debt Validation Letter and a Letter of Explanation to Seterus by US Mail RRR, after learning from one of the putative specialists at Seterus that they only respond to written questions, concerns, and requests like mine. A copy each will be uploaded. XX/XX/XXXX, after being paid a visit by an agent for Seterus in violation of my written requests, I mailed a Supplemental Request to Seterus. A copy will be uploaded. XX/XX/XXXX-XX/XX/XXXX, continued efforts to follow up with Seterus to resolve. Made what I considered the correct monthly payments until locked out of the Seterus web site. In XX/XX/XXXX learned that my file had been sent to attorney for foreclosure. Initiated email and phone contact with Seterus attorneys. 
XX/XX/XXXX, participated in a conference call set up by a Seterus attorney including atty, me, and a Seterus executive who promised to get to the bottom of XXXX escrow account issues in order to assist in the resolution of pending issues between me and Seterus in order to avoid foreclosure. I never heard back from Seterus rep nor atty who set up conference call. A copy of emails will be uploaded. Instead, on XX/XX/XXXX, one week later, foreclosure civil action was filed against us. A copy of the Complaint will be uploaded.
The second mortgage on my foreclosed home was transferred from XXXX  to XXXX XXXX in XX/XX/XXXX. The last payment on this mortgage was made XX/XX/XXXX and was charged off by XXXX. However, XXXX XXXX is showing a new 90 days late payment in XX/XX/XXXX on my Equifax credit report. I should not show a new late payment just because the balance was transferred to a new servicer. I have disputed this error directly with XXXX and Equifax and have received no resolution.
Synchrony charge credit card security fee without notify and approval. 
Refund has not been given.
I was in formed via letter from the mortgage company in XXXX that I no longer needed to pay PMI {$27.00}. I called the company XXXX as my statement did not reflect the new payment amount. I was told my new payment would be {$510.00} and it will take their system a couple of cycles to catch up. It 's XXXX and I 'm about to make my XXXX payment however my statement still does not reflect the new amount. I have been paying {$540.00} indicating on the payment stub that {$27.00} should be applied to the principle. I called the company today to inquiry and was told they were not applying the funds as I wanted. They were applying the funds to the escrow account because there would be a shortage. I was never notified of an escrow shortage in writing or when I called in XXXX. The company says they can not reverse the payments to the escrow account because of the shortage and I should be paying {$540.00} to cover it. Since I was not notified of the shortage I would like an escrow history. I would like the company to credit me the amount of money roughly {$27.00} a month for XXXX, XXXX and XXXX to the principle. I would like the company to correct any future statements with the correct payment amounts.
I did n't even live at the  XXXX   XXXX   XXXX   (  XXXX , WA )  during the period that they 're trying to charge me for. It 's extremely obvious that I moved out on  XXXX   XXXX ,  2015 . Anyone that can read the " Move Out Statement '' that they sent me can read that my Lease was over and I moved out on  XXXX   XXXX ,  2015 . Yet somehow they 're repeatedly sending me bills for  XXXX   2015 ? Even after I 've notified you that your information was inaccurate and you were harassing me with incorrect information???   This is causing additional  XXXX  to me during a period that I am in and out of the hospital for  XXXX   XXXX . I do n't owe any money at all and was given multiple assurances from staff at  XXXX   XXXX   XXXX  of this in  2015   ( yet two  years later I 'm still being harassed, this is ENOUGH ).
On XX/XX/18 around noon, I used my ATM card to deposit 2 checks totaling {$890.00} at Wells Fargo ATM at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The ATM went black midstream. It would not return my ATM card or checks. I immediately reported the incident inside the branch. My ATM card was retrieved but my checks totaling {$890.00} were not returned or credited to my account. 
The ATM was not investigated or taken offline. Instead XXXX XXXX, branch manager, said the ATM was " recycling '' and my checks might be processed. If not, she said the branch could not help me in getting my 2 checks back or in having them credited to my account. She told me to call WFC to report the incident. I asked that a banker do this as its ATM had eaten my checks. She reluctantly told a banker named XXXX to call the telephone # on the back of my ATM card. He did in between helping other customers. Dissatisfied, at XXXX XXXX I told him I was recording the incident on my phone. About 20+ minutes later XXXX XXXX an Online Banking CSR said her department could not help as ATM claims should have been called. I complained to XXXX XXXX. She said the bank wouldn't help me to get my 2 checks back or to have them credited to my account. She threatened to have me arrested for recording the incident. I agreed to her calling the " authorities ''. She refused and insisted that I leave the branch.

I have emailed Wells Fargo to relay the above and to request that the 2 checks I deposited promptly be credited to my account. Once a consumer inserts checks into a bank 's ATM isn't the bank responsible for them and obligated to deposit or return them? 

WFC records consumer calls. Can't a consumer openly record conversations with WFC bank branch personnel?
Have an XXXX card from 1st Bank, Omaha, Advertising tells of many benefits including points for room cost reductions. Can not get full info on what points are worth. Many hoops to jump through to convert points so may use etc. Neither XXXX nor the bank is helpful on explanation. Bank is now ignoring requests for information.
I was XXXX on XX/XX/XXXX17 and the following month 's XXXX payment of {$730.00} was stolen while the only card for the account was in my property at jail! How is that even possible .... Further more when I got out a year later they refused to refund the money cause it was over 90 days. I had the only card locked and protected by XXXX county 's finest ( the XXXX county sheriff 's department ) How could anyone get access to my account? How I understand it all this time later is there was a prepaid card issued and the funds stolen that way. but how can they issue me a card and I not know it.
I have been contacted through phone and letters from this company named, Convergent Outsourcing , INC . They have been contacting me to make a payment of XXXX. This debt is not explained in the letter at all.I think this is a scam and they have my information which should be deleted from their files.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2016 Office of the Comptroller of the Currency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Office XXXX Department XXXX XXXX, XXXX XXXX Office XXXX XXXX XXXX XXXX XXXXXXXX XXXX CC : XXXX Bank Executive Office XXXX XXXX XXXX XXXX, XXXX XXXX RE : Illegal XXXX Bank Business Practices To Whom it May Concern : 1 ) In XXXX 2016 XXXX Bank refused to honor the advertised {$120.00} Power Up checking bonus. In fact, on or about XXXX XXXX, 2016 representative XXXX XXXX falsely claimed that the consumer did not meet the requirements of the offer, despite evidence to the contrary. 

2 ) The consumer applied for a XXXX Bank business credit card on XXXX XXXX, 2016. In response, on XXXX XXXX, 2016 XXXX at XXXX Bank Cardmember Investigative Services closed without cause and seized the reward points from the consumer 's XXXX existing XXXX Bank credit cards and XXXX credit card issued by XXXX XXXX Bank in the State XXXX. The consumer 's credit history is excellent, as evidenced by several targeted offers and credit line increases extended by XXXX Bank during this period. Moreover, these closures are illegal under XXXX Law : XXXX. Unless requested by the cardholder, no card issuer shall cancel a credit card without having first given the cardholder 30 days ' written notice of its intention to do so. 

3 ) As of today, XXXX Bank has neither acknowledged nor addressed the consumer 's XXXX XXXX, 2016 formal request to reopen the accounts and restore the associated points. 

XXXX bank has demonstrated a pattern of malicious and unlawful behavior designed to fraudulently deprive the consumer of accumulated cash rewards. 

Thank you for your consideration of this consumer complaint. 


Sincerely, XXXX XXXX XXXX
Bayview is woefully understaffed for the loans they are servicing. They never answer the phones and it takes and rarely respond to email requests. They have acted with gross negligence handling this short sale request and borrower is being unnecessarily forced into foreclosure due to Bayview negligenc e.
I was denied credit by XXXX XXXX on XXXX/XXXX/15 and an apartment community last weeK. 

I went to Equifax today to get my report due to adverse action online, they said they ca n't give it to me because I do not have a paid service with them. They told me to go to Annual Credit Report.com to retrieve it. But, I said I am requesting because of adverse action. However, I did what they say and because of Equifax and too many requests they told me to make now I ca n't get it. I spoke to a fourth person at Equifax at XXXX at XXXX today and he said the only way I can get it today and right now is by purchasing it with him on the phone for {$10.00}.
This is in regards to an ongoing complaint with Bluebird by American Express. I received a check for {$560.00}, but there was a balance of {$800.00}, why did n't I get the whole {$800.00}.
cardholder XXXX XXXX  My name XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX
I have an unknown address with a 2007 bankruptcy that does not belongto me I have never lived in California and you have an address of XXXX XXXX, XXXX XXXX XXXX XXXX, California listed on my credit report. 
Could you please help me correct this?
The abbreviati  on Chfa is referencing Colorado Housing and Finance Authority.
I originally called CHFA o  n the  XXXX  of  XXXX  to try for th e 4th  time to get loan modified. This time was first time I was ever delinquent on the loan though as in making a payment on certain date. In my payment schedule I am ahead of where I should be until  XXXX  of  XXXX . My complaints against  Chfa  a re : 1. Chfa  has violated the requirements for a Single Point Of Contact  in Section 38-38103.1 2. Chfa  has only notified me they received my loss mitigation packets once ; when they said I was missing papers, after their phone call I did provide the missing pages for the first packet and sent them via email that same day. I sent the second packet ; with up dated information on  XXXX   XXXX , because I received a phone call from Chfa on  XXXX   XXXX , telling me if I want to keep my house I had to do this again.    3. Chfa h ave never given me any type of decision on the packets I have sent in ; not even the first packet I sent in which was on  XXXX   XXXX , in two emails, or even after I sent the missing papers they claimed.    4. When I initially called Chfa  on  XXXX   XXXX  the representative told me to pay what I could as soon as I could. I sent  XXXX  cashiers checks,  XXXX  on  XXXX   XXXX  for {$700.00} and  XXXX  on  XXXX   XXXX  for {$800.00} and they returned the second check stating that I had not sent them the mitigation packet, with an entirely new set of documents so they would be proceeding with foreclosure.     *Previous to this year I have tried to modify my mortgage at least 3 times since  XXXX .   Chfa 's representitives have stated that my loan is unconventional, I could apply for a modification but they did not have to allow it. On my loan paperwork, it states my loan is a Conventional Loan, and insured by   XXXX   XXXX  .
I have never had a account with a company called XXXX. I have told them this on many occasions and they continue to say that I owe this debt.
I went to the website of www.equifaxsecurity2017.com because of the recent identity theft that Equifax reported on over 100,000,000 consumer files. I found out that my file probably had been compromised. I followed the instructions and was told I would received an email in several days. This was onXX/XX/XXXX. I checked my email again every day including Spam etc., but no email! I re-enrolled again on XX/XX/XXXX and received an email 0n XX/XX/XXXX from XXXX, not Equifax. I remembered that was the Equifax Product that was being offered for free. Had I not known of that I would have deleted thinking it was Spam like so many other people would. I think this is a way that Equifax is trying to get out of offering this for free! Also, When I followed the instructions on line from XXXX it told me to call a XXXX number and ended up in the XXXX and talked someone that has my personal information and had broken XXXX. I think that Equifax makes it difficult for consumers to obtain their products for free when they are the ones that are responsible for the Identity breach. I also know 2 other consumers that never received the email or thought it was spam!
Left detailed voicemail message on a work phone that is not private. I was informed of this message by a co-worker. I have spoken with this company in the past who also refuses to provide me with any verification of what debt they are calling about. They have been asked to not contact me at work in the past but still call.
Chase is current reporting an account on my credit report as a charged-off account. However this charge-off account is also illicitly being reporting with a past due balance, and showing that its an active account. In doing so Chase is illicitly harming my credit more than legally permissible. I have brought this issue up with Chase through the credit bureaus but to no avail.
My loan with Ditech Financial L.L.C. XXXX XXXX, XXXX XXXX, SD, XXXX,  Phone XXXX, was paid in full ( closed ) on XX/XX/XXXX. I had set up automatic debit to pay my monthly mortgage with the funds withdrawn from my checking account on the XX/XX/XXXX of each month. No one told me to call Ditech to  stop the automatic payment. Since the loan was pain on XX/XX/XXXX, I did not anticipate Ditech would withdraw my payment on XX/XX/XXXX in the amount of {$2200.00}. When I logged onto my checking account I was horrified to see Ditech withdrew the funds even though the account was closed. I called customer service on XX/XX/XXXX and they stated it was my fault and a separate department handled this matter and they would process a check in 30 days and mail it to me. I asked if they could refund the money to my account electronically and they said NO. I called again on XX/XX/XXXX and spoke with supervisor XXXX, Ditech ID : XXXX,  who stated there was no way to expedite my refund. They will not pay interest on the {$2200.00} they owe me. I think this debit of my money is wrong. Since they have a special department to handle the refunds of automatic debits after the loan is closed, I suggest they do this frequently and use this as a means to earn money and interest on the money to the detriment of the consumer. My initial loan was with XXXX in XX/XX/XXXX and they sold the loan to Ditech. I did not choose Ditech as my mortgage company. I hope your agency will take action regarding Ditech 's practices. I think if I had n't told them to stop the automatic payment on XX/XX/XXXX, they would continue to debit my account without regard for the XXXX balance on the account. Thank you for your considerate attention to the above and I hope you will be able to expedite my refund. I hope there is some recourse against Ditech to prevent this from happening to others.
on XX/XX/XXXX I received pre-stamped court summons from XXXX XXXX XXXX XXXX, court documents signed with a stamp dated XX/XX/XXXX while I was at work. My boyfriend 's son received the unsealed document, exposing the nature of the debt as well as the amount outstanding. I 'm being summoned to appear in court on XX/XX/XXXX and pay the balance in full as well as court costs. 

I have made attempts to settle the balance with the creditor in the past however they have refused my payments. I 'm concerned that my personal information has been exposed.
I opened a checking account with Citibank, and on the offer for the checking account, Citibank was to give me XXXX bonus miles up on completing some steps of payment and a minimum spend. I completed the steps, and waited for the miles to arrive in my account. No miles, so I called Citibank to find out where they were. Citibank then informed me in writing that there was no promotion available at that time, even though I have an email from them with the program details regarding my new checking account. 

I called and talked to a Citibank rep, XXXX # XXXX. She confirmed with me that there was in fact a promotion at the time I had signed up, and she also confirmed with me that I had signed up within the time frame provided in the promotion offer. XXXX # XXXX filed an appeal for me, and I received another copy of the same form letter stating that There was not a promotion offered at the time that I had signed up. 

I called Citibank again today, and talked to XXXX # XXXX, and she said after an appeal was denied, there was nothing she could do. 

Please help me to get the XXXX miles promised me by Citibank.