WillisBack/dataset-financial-user-claim huggingface dataset:
This is second complaint since PNC Mortgage does not seem to understand the unfair and illegal practices. My mortgage was bought by PNC from another company. Since that time it is been my worst nightmare. I have paid all payments on time through auto pay with my bank. Since the time of purchasing this home, it has required complete renovation due to the condition of the home when purchased. Because of this need, my loan was set up such that it required PMI. With PMI comes the escrow requirement. After allowing my insurance to lapse because they did not communicate with the insurance company during the hurricane, it took my footwork, etc to correct the problem. Since that incident, my insurance will no longer be paid through the escrow. A document was sent on XX/XX/XXXX indicating PNC will no longer pay the insurance. In addition, requested having the PMI and escrow removed. PNC insists because of the 80/20 rule they can not remove the PMI and escrow. Because of their insistence, I ordered an appraisal costing over {$400.00}. It was provided to PNC proving the value was significantly higher and therefore PMI and escrow should be removed. Now they are saying despite them holding me land locked, now they will order an appraisal but I will be required to pay {$500.00}. They will not accept the appraisal which already proves the issue yet would not order one until I paid to prove they were incorrect. With all that, they are saying I owe higher payments for escrow despite insurance will no longer be paid, taxes went down because home is now homestead and value was proven higher. PNC actually owes my money back due to excess escrow for insurance. This is a shortened version, this does not include the lost payments, unable to take " partial '' payments so good luck paying off a loan early with any variance to your payments. PNC should be investigated including governmental audits.
Before signing up for the Chase Sapphire Preferred card, I spoke to a Chase CC specialist who informed me the annual fee would be waived for the duration of my schooling since I had no active income. I procured the card and have made full, on-time monthly payments for over one year. I was charged the annual fee thus XXXX XXXX and spoke with a CC specialist and a manager today. The manager informed me ( 1 ) there 's no notation of the agreement on my chart ( which makes sense because I called before I had an account to confirm this was possible ) ; and ( 2 ) " that person ( who confirmed the waiver ) is probably not working here anymore ''. Both of these points are beyond my control and do nothing to address the fraudulent way I was convinced to apply for a credit card. When I mentioned filing a XXXX report, the manager told me to write a letter to the Chase Bank Executive Office, but that a waiver would be impossible.
I have sent letters to the three credit agencies ( Equifax, XXXX, and XXXX ) concerning my negative items on my credit report on XX/XX/2017 and neither have sent me information verifing my negative items bearing my name.
Wells Fargo continue to charge me late fees on a vehicle that was totaled loss on XXXX XXXX, XXXX and the payment on the account was due XXXX XXXX, XXXX. This was a vehicle that had been refinanced through Wells Fargo. My insurance paid the vehicle off XX/XX/XXXX and the remaining balance was paid in XXXX XXXX all but XXXX. Wells Fargo has charged off on account on XXXX XXXX, XXXX.
Wells Fargo internal complaint reference number : XXXX I applied a Wells Fargo credit card in branch on XX/XX/XXXX. They declined my application for one sole reason : Not a permanent resident. ( I have 2 mail letters from them as evidence and numerous contact records as evidence. ) The truth is : I AM A PERMANENT RESIDENT. My old green card expired on XX/XX/XXXX. I filed for a new card on XX/XX/XXXX. ( The U.S. Citizenship and Immigration Services ( USCIS ) rule is that you can not apply for a new green card any earlier than 3 months before your current card expires. ) I received a XXXX letter from USCIS to extend my permanent residency till XX/XX/XXXX. After that and before I get the new green card, if I need to travel I will need to go to USCIS local office to get my passport stamped. USCIS has a long waiting period for each case to be handled. The current processing time to get a new card is 17.5-19 months. ( Please check at https : //egov.uscis.govXXXX XXXX XXXX ) XXXX is a US government issued letter to extend permanent residency. It is legal and mine is not expired. Upon receiving Wells Fargo wouldn't acknowledge my XXXX as a proof of my permanent residency and made a wrong statement that I am not a permanent resident.
On or about XXXX/XXXX/15 PNC Bank charged our account an overdraft fee when there was ample money available to cover the check in question. I was told that a " debit transaction '' was on " hold '' and that was the reason for this particular charge. I would think that a " debit transaction '' would post quicker than a check payment and automatically withdrawn from the available funds. Eventually that is not the case with this bank. This action plus the fact that PNC Bank continued to add additional fees basically making it impossible to get caught up. They would continue to redeposit checks over and over and now they are claiming our account is negative - {$430.00}. We received a letter from them dated XXXX/XXXX/15 stating that we are going to be reported to XXXX. The fees they are seeking are due to there handling ( holding debits ) against the account causing checks to bounce is intentional and a way for the Bank to take a persons hard earned money.
This a individual loan that has been reported under my name from Portfolio recovery for XXXX, and is a fraud.
i have been a victim of identity theft for a few years and i summited a dispute and police reports to all XXXX credit bureaus and they have not removed the the incorect info from my credit file. this is a big hassle trying to get my file corrected for almost 2 years now. the detective on the case has info of a suspect that used my info at a XXXX company and this has been an ongoing investigation
XXXX or experian has me listed as having stayed at XXXX XXXX in XXXX. I never lived there.
Since using the service it appears my credit improved then when i stopped using services i have not been able to get a school loan or car due to unknown activity as the result of their services at Lexington law firm credit services
Spoke to company on one occasion and requested validation and all paperwork pertaining to this debt ( XXXX XXXX XXXX ). Nothing was ever received. I disputed the validity of this debt at least 2 times with Equifax.. I did not receive any proof that this debt was valid nor did I receive any written correspondence from the collection agency or the Credit bureaus that this debt was authenticated. I spoke to the Credit agencies and they insist all information was validated. I have requested to have the information they used to validate on my report sent to me or to remove the account from my credit file. I have not received any information from any of the credit bureaus but they maintain the information was validated. This is in violation of the FCRA.
I paid American Express a large lump some XXXX toward a XXXX balance, and they lowered my spending limit to XXXX, bringing my usage to 98 % instead of the goal of 60 % usage ( I paid XXXX ) to lower it because I was in the process of getting a mortgage and need to have debt paid down. I spoke with Amex and they assured me after I sent in my check stubs and 401k information, they would increase my limit bak to the original XXXX. On XX/XX/XXXX after I sent what was asked, they declined to increase the card back and have me at 99 % utalization, and have caused me to not qualify for my loan and not my score to drop. Amex lied and assured me they would fix this and now the call people in XXXX are refusing to honor what I was told. The
I tried to modify my loan in lat e 2015 thr ough  XXXX   XXXX , I was put on a payment trial plan, once I received all the paperwork I decided it was better not to modify the loan because of the dollar amount to invest.  XXXX   XXXX  then since late  2015 ha s reporte d 2 late paym ents both  XXXX  days late. I have never paid my mortgage more than   XXXX   days late, I did all trial payments on time, I have contacted  XXXX   XXXX  regarding their error and they do not correct the problem, I have also disputed the account with all  XXXX  CRA but  XXXX   XXXX  continues not fixing their error.
I owe two payday loans and have done so for years but this time I have defaulted. I am on social security and just do not have the funds to repay at their rates.
I 've been a victim of Transunion 's inquiry issue and they refuse to remove the inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to my credit report. 

For resolution : Removal of the following inquiries on my Transunion credit report immediately : XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
When I go in to make a payment on  XXXX  their chip was not working they told me I do n't have the fun in my other bank I ask the bank manger to call of to credit union, he call they said the fun was available we try again Wells Fargo bank my card will not clear, I went over to Credit union to get cash for payment Wells Fargo why is fun not clear, she said Wells Fargo not show up in system walk in a mouth later Wells Fargo, I was told their having problems with card chip and this was going on for pass 6 mouth. I 'm one payment late so I started make extra payment of  XXXX  but I notice when receipt print out it show   XXXX   my payment is  XXXX  I ask if the payment is toward aback payment why cant it say on the receipt, because you charge a late fee every mouth   XXXX   because I retire   XXXX   an I make a payment on   XXXX   each mouth my concern is the extra  XXXX  turn into service charge. in   XXXX   I walk in Wells Fargo to make a payment I told by the bank their do n't have enough room to make Two payment I call Well Fargo mortgage what do, no response I receive a call from Well Fargo mortgage say you do n't have to make a extra payment of   XXXX   keep until you get  XXXX . this is getting out of control I need help
Lady from port folio recovery services called and disclosed a debt from XXXX XXXX that they are collecting for they told the person of the account details and they are not authorized on the account to recieve info. The used XXXX to locate numbers of references and near bys to locate and disclose information.
My credit report is showing a {$580.00} debt from XXXX which I have never had an account with them. That debt went into delinquent account which substantially lowered my credit score.
I have a checking account with Bank of America. I keep it low. I recently received my security deposit ( to me and my fiance name ) and deposited on my account. The next day, the check was fully deposited on my checking so I made two payments ( XX/XX/XXXX ) from my credit cards of {$350.00} each. The next day, the check is cancelled because it is at both names and the account only my name ( we don't have joined account ), without any notice to me and then the two payments makes my account under {$0.00} so I get a notification of being charged two times {$35.00} by BoA ( and also {$35.00} by the two credit cards for returned payment ). 
I am not happy with BoA since 1 ) they didn't tell me anything about the check being cancelled ( I got a mail on XX/XX/XXXX ) and 2 ) they confimed the deposit and then cancelled it.
I have {$590.00} extra in my escrow account after my taxes have been paid. I have asked for that to be refunded and they refused to refund it. They told me they would do another analysis but so far have not done this. 

Refund of the {$590.00}. 
Re-evaluation of what the escrow payment should be based on this year 's tax bill, because the same thing will likely happen next year, although in a lesser amount. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXXXXXXXXXX XXXX account number is XXXX Loan Servicer - Select Portfolio Servicing Inc . 
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone - XXXX
I had previously filed a complaint, CFPB case number XXXX, because M & T Bank had refused for over six months to update my account with my new address and was knowingly sending personal and confidential information to my old address. I filed my complaint as I was concerned that M & T Bank would send my XX/XX/XXXX XXXX tax information to my old address. M & T Bank response to my complaint did not make any sense but as part of its response M & T Bank stated that it had updated my address in its records and that my XX/XX/XXXX XXXX tax form would be send to my correct, current address. Specifically, the XX/XX/XXXX letter they sent to me states : " the address has been updated for any applicable year-end tax forms. '' However, my address was not updated and M & T Bank willfully and knowingly sent my year end XX/XX/XXXX XXXX tax information to my former address.
This company is posing as XXXX ' from XXXX , Utah . I cancelled a membership to XXXX of XXXX ( Texas ) several months ago well after my contract was expired. 

I owe nothing to XXXX and notified them in writing and verbally that I would not be continuing my membership, that my contract is expired, and that I no longer would use or need their services.
Citizens Bank XXXX Headquarters : XXXX Citizens XXXX, XXXX, RI. ) continues to cheat customers by not correcting electronic mistakes. The {$34.00} XXXX they have to pay for shortchanging customers is apparently not enough of an incentive to clean up their act. I made an online transfer from my Citizens Bank checking account to my Citizens Bank XXXX ; the online transfer was scheduled for XXXX XXXX, 2015. Due to technology issues with their vendor that occurred the evening of XXXX XXXX to XXXX XXXX, this transfer failed. When I logged into my online Citizens Bank account to pay a bill, I noticed a " transfer failed alert '' in the Alerts Center XXXX see attached documents ). I rescheduled the payment transfer to take place immediately, which was then past due on account of circumstances out of my control XXXX technology failure at Citizens Bank 's end ). 
I assumed that I would not be charged late fees and interest for the late payment. I was wrong. I opened my billing statement to XXXX I was being charged a {$25.00} late fee, as well as interest of approximately {$60.00}. I find it odd and disturbing that they sent me an immediate alert that my payment transfer from my Citizens Bank checking account to their Citizens Bank credit card failed to go through, yet no alert indicating I would not be charged a late fee and would not be responsible for interest charges. They were aware that my payment failed to process due to a technology issue at their end ; therefore they should have also been aware the late payment would result in erroneous interest charges and fees at my end, yet they failed to communicate this to me. I had to make a phone call to Citizens and was kept on the phone for XXXX minutes waiting for this issue to be resolved. It was finally resolved, but only because I caught the error.
Today I received a letter in the U.S. Mail from " Experian '' credit reporting bureau dated " XXXX XXXX, 2015. '' Under the section entitled " Personal Information '' it had a " XXXX XXXX XXXX, name identification number XXXX '' listed. My full name is " XXXX XXXX XXXX, XXXX, '' NOT " XXXX XXXX. XXXX. '' I am a Victim of Identity Theft. When I called up " Experian '' and asked them to " delete '' this false " XXXX XXXX XXXX '' from my " Experian '' credit file, they refused to do so, thus, putting me for more chances of even greater Identity Theft in the very near future.
XXXXXXXX XXXX XXXX is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw XXXX. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but XXXX XXXX insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked XXXX if XXXX verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. XXXX violated my rights by opening an account without verifying my identety.
Sometime in early XX/XX/2016 I was admitted to the hospital with an illness. I have very extensive healthcare coverage so I was not worried about it. About 8-10 months after that I started receiving calls from a restricted caller, trying to avoid scams I never answered. After repeated calls over the next month I finally answered and the caller stated I owed a debt to their collection agency. I asked for more information as well as an itemized bill to be sent to my residence. Even now a year and a half later I have received absolutely nothing in writing or by letter. They continued to call me over the next few months and I repeatedly asked for more information and an itemized bill. The caller assured me one has been sent to my address and verified my current address. I stated that I had not received anyone and asked for another to be sent. This exact exchanged happened a few times but I have yet to receive anything. Eventually the calls stopped so I assumed it to be fraudulent and forgot about it. Then just a week or so ago I see a huge hit to my credit score from this agency, this leads me here today.
I received an unwanted credit card from Chase. When I contacted them, they immediately began to treat it as fraud. I suggested they look internally rather that externally for the origin of the card, as it is against the law to send credit cards that have not been requested. That suggestion fell on completely deaf ears. This the second time Chase has mailed an unrequested card to our family.
I purchased a vehicle on XXXX XXXX, 2015 from a local dealership. During the purchase, I authorized the dealership to access my credit report to determine finance options I would be eligible for. The contract was finalized on XXXX XXXX, 2015 and I left with my new car. When I checked my credit reports some months later, there were duplicate hard inquiries on my credit reports for a number of the auto loan companies on both XXXX/XXXX/2015 and XXXX/XXXX/2015. I initiated a dispute with each credit bureau and sent a letter asking that the XXXX/XXXX/2015 duplicate inquiries be removed from my credit report because there was no reason these companies should have been accessing my credit report for a second time after the purchase had already been finalized. I contacted the dealership and they said we should contact the credit bureaus. Equifax ( Confirmation # XXXX and XXXX ) has refused to remove the XXXX/XXXX/2015 hard inquiries, instead identifying them as " factual record of file access. '' Their investigation report told me I should contact the creditors directly. I contacted the following creditors : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. The creditors told me that they could not do anything because I was not a customer with them and I should dispute with the credit bureau. I am requesting that Equifax remove the duplicate and unauthorized credit report access on XXXX/XXXX/2015. My vehicle contract, including financing, was completed and signed on XXXX/XXXX/2015 so there was no reason for my credit report to be accessed a second time the next day.
they are charging XXXX a day in interest and this was only mention in small print that a lot of people do n't see. They also do n't make it easy for me to pay, so the interests are adding up without any i can do. this is the biggest scam i never see.
On this date of ...  XXXX / XXXX / 2017  called ...  Alltran Financial, LP  XXXX   XXXX    XXXX   XXXX   XXXX     Rep. took my call ... I, tried to make arrangements of the three options that were giving to me on the statement letter sent to me. I, received this letter on ...  XXXX / XXXX / 2017 . The customer service  XXXX   XXXX  that 's stated on my letter to contact at this number  XXXX . Kept Sta  ting ... That I, had to make a payment ... TODAY.. plus use a account card number ... OTHER THAN A PREPAID CARD TO GET TO THE NEXT LEVEL OF PAYMENT OPTIONS. I, stated to the Customer Service Rep. My letter..DOES N'T STATE THAT I NEED TO MAKE A PAYMENT ON THE SAME DAY I 'M TRYING TO NEGOTIATE A ... GENEROUS SETTLEMENT OPTION!!!!. AND I FEEL MY CONSUMER RIGHTS HAVE BEEN ... VIOLATED AGAIN!!!!.
Yes ... This is not the first time this has happened to me ... So, I 'm asking for your assistance in helping me get this..BALANCE RESOLVED QUICKLY!!!! I 'M ALSO WILL NOTIFY MY ATTORNEY A  BOUT THIS ISSUE ALSO!!!!. THANK YOU.
1. I, XXXX XXXX XXXX, have been the victim of identity theft. Please see FTC Report # XXXX  ( attachment 1 ).

2. This fraudulent transaction contract was not in my name and I received absolutely no personal benefit from it.

3. The facts of this situation are as follows : a. On XX/XX/XXXX my wife, XXXX XXXX XXXX, and I attended a XXXX/XXXX XXXX timeshare presentation in which my wife, not me, was considering investing in an upgrade to HER present plan.

b. When it came time to negotiate the agreement I was told by the salesman, XXXX, to leave the room. He stated that XXXX never deals with third-parties to any agreement.

c. The salesman told XXXX that she could go back to the USA and talk to her two sons-in-law about the deal before closing the deal and paying a contract deposit ( {$12000.00} ). He promised her ( in writing according to his notes of the discussion, attachment 2 ) 6 months to pay the deposit to complete the agreement.

d. The {$12000.00} deposit was later obtained fraudulently by a salesman or supervisor : i. Please observe the two XXXX XXXX XXXX ( Proof of Payments, dated XX/XX/XXXX) WRITTEN IN XXXX  with forged signatures of XXXX XXXX XXXX ( XXXX husband, not an owner ). ( see attachment 3 ) ii. XXXX XXXX   does not speak or write XXXX.

iii. XXXX XXXX XXXX swears that these are NOT his signatures. Please see the two Police Reports filed XX/XX/XXXX and XX/XX/XXXXrespectively ( see attachment 4 ).