WillisBack/dataset-financial-user-claim huggingface dataset:
I had a home builded in XX/XX/XXXX started have problems with the home the builder trued to fix the problems about 10-15 times but the same problems come right back call to get a inspection of the home and the inspection reports States that the home was builded improperly the builder used 2x 4 to frame the first floor instead of the required 2x6 or 3x4. This cause inadequate support of the home also foundation was misaligned when home was constructed I can go on .I have reports done on the home by XXXX XXXX XXXX reports dated XX/XX/XXXX, reports by XXXX XXXX XXXX XXXX, XXXX XXXX called out by XXXX XXXX XXXX companies and a Engineering reports done XXXX XXXX XXXX, XXXX, XXXX  Hired by my lawyer. Why coming to citimortgage is that injury and damages to the value of the property never finish the parking lot no trash pick no Black top on the road .I sent citimortgage all reports Pictures Of how the Community has not been finished how there appraisal of the homes are wrong also your appraiser never came out to XXXX overlook I do believe because we have five homes own by citimortgage that have big problems going on.Citimortgage is not try to help people are going to loss there homes because they cant afford to pay mortgage for homes that not value at the price citimortgage give us for something that knot Complete homes builded the wrong way the builder walked away 6years still have take your trash to the next block to have it pick up citimortgage is just as bad as the builder get taking money from people who by robbed by the builder the city of XXXX and citimortgage all first time buyer citimortgage sent me and my neighbors a letter saying they sympathize with us but citimortgage cant help us this letter came from XXXX XXXX Executive Responses Unit dont care about us .Citimortgage came out to the property and done a inspection and will give me a copy of this inspection reports tell me I have to get my own inspection reports you know XXXX XXXX didnt read anything to say this because I sent citimortgage 5 inspection reports I payed for when people try to call them they tell them we can help you this customer service I send e- mails to XXXX XXXX, Chief Executive officer of citimortgage and XXXX XXXX, chief Executive office of citimortgage me my neighbors never got anything back from them to end this letter a lot of first time home buyers going to lose there homes not because they cant afford because they was taking vantage Of by the builder citimortgage and the City of XXXX I been fighting for 6 years need help!!!
I had contact them an sent them copies of the payments I made to the XXXX office.The XXXX was a XXXX and I paid him and he still sent me to collection. I contacted the collection agency and sent them records of what was paid and they still say I owe. I called to settle for a lower amount and they still say I owe {$420.00}. This is messing up my credit and now they
My report has a former address in XXXX, VA. I have never lived in Virginia anywhere.
I have my td bank account linked to an XXXX XXXX app, and td bank is not updating my account balance to the app
I asked for {$1800.00} they approved me then when I went to sign the paperwork it said loan was for {$2600.00}. I told them I did not want {$2600.00} they told me that I needed to take it or they would have to re approve me and draw up new paperwork which would 2 weeks. So I signed the paperwork. After 16 months of paying them over {$200.00} I had more than paid off the original loan amount and my husband left me. I could no longer afford to pay this so called and tried to renegotiate with them. At this point the lady got extremely hostile and rude towards me and all but called me a beadbeat. So I stopped paying it. Now 8 months later their debt collector is suing me for {$2600.00} plus attorney fees which I can not afford. Need help with this and their illegal lending practices.I 'm
We refinanced with XXXX XXXX Loans who immediately sold our loan to LoanCare. I received a letter from XXXX XXXX Loans with information on where to send my first payment which was due XXXX XXXX, 2015. I had my bank electronically send the payment, but XXXX XXXX Loans provided an incorrect loan # which I was not aware of until I received a call from Loan Care that they had not received my payment. I called Loan Care and they told me to have my bank send proof of the electronic payment so they could find the funds and transfer them to my account. I did that, and thought it was taken care of on XXXX XXXX, 2015. I received another call from Loan Care about 2 weeks later saying they had not received payment. The customer service person took all my information again and said she would take care of it. I received another call from Loan Care on XXXX XXXX saying they still had not received my payment for XXXX XXXX and I was delinquent. I called my bank and we got on a XXXX way call with Loan Care. My bank sent Loan Care the information again and I was told it was taken care of and I would not be receiving any more calls from Loan Care, it was now in their hands because they knew they had the money, they just had to find it. I was also told I would not receive a late fee because they had the money. I just got another call today saying they have not received payment and I have a late fee of about {$45.00} due. I 'm now on the phone again with them and on hold. As I sit here and wait, I started reading reviews on XXXX. Every single review is the same as mine. This is ridiculous!! I have spent hours on the phone with them, and they have my money!!! This company needs to be looked into. It seems to be common practice for them. How can they receive money and not investigate where it goes when it has an incorrect loan # on it. There is only XXXX address associated with the account. I just got off the phone and they once again said they have escalated the issue to a supervisor and they will get back to me in 3 days. I 've been told this before and nothing has happened. I 'm hoping that by sending this complaint my issue will soon be resolved.
The only reason that Im reaching out the CFPB is because I was taken off a repayment plan unilaterally without my knowledge and then illegally penalized by having to jump though more hoops and being reported negatively on my credit report. This applies to myself and the co-signer, which in this instance is my ill mother whom Navient knows. 

As a result of a lot of hard work and negotiation with Navient. I was approved to have a certain payment and contractual terms for the duration of my loans. Navient removed me from these payments based on subjective measures that were not at any time part of the agreed terms and refused to place me back on the the automatic repayment plan that I was on. Its not if I made my payments on time since my payments were in auto debit, but why Navient took me off of this contract and refuses to fix it, fairly. 

I hope this makes sense and you can see whats happening. If not, I can most definitely speak to you in person and articulate this differently. 

The office of the advocate has mistreated me and not responded to me on getting any traction to fix this. 

XXXX
I received an email from US Bank stating that I was past due on my credit card. I have always paid my balance off in full every month. I called on it, and US Bank somehow changed my address on my account. They were sending my statements to an old address ( XXXX, XXXX, MO ). Then, they hit my card with late fees and interest, and they said the address could only be changed by us calling or the post office. I NEVER authorized my address to be changed. Then, they have hit my card again with a late fee and more interest charges as we have been trying to resolve the problem. Now, my privacy has been disclosed and my card # has been given to whoever lives at XXXX, XXXX, MO. I called them again tonight to see what is going on, and now they have reported it as a late payment on my credit bureau. I have perfect credit, and now it is going to take forever to get this situation resolved. I asked for a letter from US Bank stating this was their error and that I wanted it to be taken off of my credit. But, the manager ( XXXX ) stated that I would have to write a letter to their dispute department even though it was their fault my private information was being sent to an old address. Then, I asked how do I file a complaint with the CFPB, and they did n't know. 
Anyway, I just want this cleared up where it does n't show on my credit history as a late payment and a letter from US Bank stating this was their error.
Bought at XXXX XXXX XXXX  store. Paid off the debt, ast payment {$15.00} and some changein XX/XX/XXXX. Have XXXX XXXX unknown location or other name, calling me at least every week saying I owe them over {$100.00} for interest that goes higher every week. This was this year.paid off XXXX XXXX . We are elderly in our XXXX 's and do not move around well or run to the phone and our phone stops ringing at 4 rings so it really is unnerving. Make them stop, we do not owe them anything. we paid XXXX XXXX.
This is an update and clarification to Complaint XXXX-XXXX  which was closed XXXX, saying, " The company has let us know that it cant respond to this complaint as it lists an unauthorized third party. '' Please understand that this pertains to two CDs my father had. He passed before they matured. In the meantime, I accepted his Power of Attorney, am the sole trustee of his estate, and am his executor. I am not an " unauthorized third party. '' If you need clarification, please call me at XXXX. 

Here is the original complaint from XXXX : My elderly father ( I am now his executor ) purchased two substantial 18-month CDs from XXXX XXXX, in XXXX XXXX, MI. He received a promotional interest rate of 1.49 %. 

A few weeks before the CDs matured, he received a letter telling him unless he instructed otherwise, his CDs would automatically renew and they would adjust the interest rate to the current rate. They did not disclose ( or approximate ) what the renewal rate would be. He presumed ( poor choice on his part ) the rate would be similar and competitive. The rate went from 1.49 % to .149 % - ONE-TENTH what he had received. 

He tried to close the CDs and was quoted a five-figure early withdrawal fee. This rate change cost his heirs {$15000.00}. 

But, more importantly, this seems to be intentionally deceitful on the part of the bank. They won't know *precise* interest rates three weeks out, but they know *approximately* what the rate will be. 

It seems they should be required to make that disclosure. Especially when dealing with the elderly.
A top story in the news today ( X/X/2017 ) is the massive data breach of borrower data collected and maintained against borrowers and potential borrowers. Equifax tracks my credit worthiness. I want to know whether my personal data was among that which was breached and whether CFPB is going to enforce my California Constitutional Right to Privacy, and how they intend to do it.
My husband and I submitted investigation requests to Equifax and XXXX XXXX on XX/XX/XXXX. More than 30 days have past, and we have yet to receive responses.
I continuously requesting proof an agreement was entered with the collector. I requested a thoroughly investigation from all the XXXX credits bureau to provide me proof on how the debt was incurred and sign promissory contract was enter I have not received any of that instead an investigation was done and it stated " This item belongs to you '' This is not an acceptable investigation. 

XXXX XXXX balance Owed {$430.00}
On XX/XX/XXXX, a customer made a deposit into our Capital One business checking account. Subsequent to making the deposit, she contacted the Capital One fraud department and claimed that she had fallen prey to a " work-from-home '' scam. Capital One has put a freeze on the account and is effectively holding over {$50000.00} of our small business ' operating capital. Despite the fact that we have provided Capital One with the receipt and documentation explaining this woman was fully aware of her purchase, It 's been ten days and I have not heard from the case manager who is supposedly handling the matter. I 've made six attempts at contacting the case manager and spoken with various employees in the fraud department and I have not heard anything back. In summary, they 're holding a large portion of our operating capital ( which is crippling our business ) and despite our total cooperation, refuse to return any calls or give us any type of timeline on when our funds will be returned to us.
1-My mother XXXX XX/XX/XXXX. She had an IRA at BB & T. I inherited 1/3 of this IRA. BB & T told me my options were to establish an inherited IRA at BB & T or cash out the account. I would have preferred an immediate transfer of the money to XXXX without creating the account at BB & T but they did not give me that option. As an aside, that was exactly the process that was used by another bank at which my mother had an IRA and it was a very smooth process. Feeling like I had no choice, I let BB & T establish the IRA-BDA. After the account was established, I moved the IRA-BDA to XXXX. BB & T charged me a {$50.00} fee to move my money. I told them I was going to move the money and this fee was never disclosed. The banker states that I never told her this. This is one of multiple " untruths '' that she has stated during this process. BB & T also took out the RMD for XXXX without my permission. I lost {$50.00} in this transaction and the ability to earn interest on the RMD within the IRA for the next 10 months of XXXX.
In XX/XX/XXXX, I checked my credit report and noticed an account in collection which was not mine in the amount of {$1000.00}. The company " XXXX XXXX '' which turned out to be a collection agency representing XXXX. I filled out a police report for Identity Theft, I filled out an identity theft report with the FCC, and I filled out a Identity Theft Affidavit. I sent these items to XXXX, XXXX, and XXXX. XXXX XXXX and XXXX removed to delinquent information from the credit report. Then In XX/XX/XXXX, XXXX hired IC system another collection agency to collect another dept of {$1500.00} which turned out to be the same fraudulent Identity theft account which was disputed back in XX/XX/XXXX. The increased amount are fees attached onto the first dispute of {$1000.00}. I have filled out another Identity Theft Packet and sent all supporting documentations to prove that the account does not belong to me. XXXX is still not cooperating with clearing the information from my credit report. The damage is that I can not refinance my mortgage to a 15 year loan until the information is removed. I feel the XXXX is being malicious because they new back in XX/XX/XXXX that this was Identify theft but they continue to file bogus debts on my Credit report. I need to get this resolved. I am the victim being victimized.
My father used my credit card by mistake for over 20 years. XXXX Credit Card never verified that the person who uses my card were a different person ( My father XXXX years old with XXXX ) My father ruined my credit on XXXX 2017. The late payment was the reason why I knew my father used my Social Security to get a credit card almost 30 years ago. I called the credit card company and spent 3 days trying to block the card, finally after humiliations by customer service we finally get the card blocked. My sister who is my father representative called the credit card company too and explained the issue. I recorded the call for my records and they blocked the card. But, I need the Credit Card Company send a letter to the credit Bureau clarifying this issue and requesting to return the points to my credit report. It is all I ask for a complete reposition of my fair points in my credit report. I made this complaint before, but XXXX credit card, responded with a false statement " they did n't know if the credit card were used for a different person. They knew perfectly who were using the card and were they send the statement for over 20 years. 
Please help me.
I have not even been able to begin to pay my loans back due to financial hardship & even when I address these issues with the company, they refuse to assist me, continue to tack on more and more interest, and raise my amounts to much higher than I would be able to pay back. I would literally have to spend the rest of my life paying them and then the debt would probably fall on my children. There is no reason why I should have to be punished for wanting a higher education to improve my chances in the workforce to have this company demand exuberant amounts of money that I ca n't even afford. I should n't have to choose between taking care of my home and student loans.
I am a Successor - in -interest to a property located in XXXX XXXX California XXXX The mortgage on this property is currently in default primarily because of the lender 's inability to renegotiate with me. I have received notification that there is going to be a foreclosure on it. I have since been contacting the Lender to reinstate the delinquent lien, but or no one wants to talk with me. I will be put on hold for a long time, and when someone eventually comes to talk, it is the same, they will find a reason not to work anything out with me. It is frustrating and I think that they want to find a way to sell this property from under me.
My previous lender acknowledged they made a mistake in charging me over {$21000.00} for taxes I did not owe on my house in XXXX, which forced me to modify my loan. They charged me over {$53000.00} in interest on the loan modification. They admitted to the error and took the {$21000.00} off my account but did not take the interest off the loan, nor did they take the loan modification off, which I would not have ever needed. Now, I am unable to obtain a loan for a home in XXXX after relocating for my job, because of the error of XXXX XXXX XXXX on both my mortgage payoff quote, and because they are reporting a loan modification on my credit report. I believe this is a violation of the Fair Credit Reporting Act, and I must have this resolved in the next 10 days because I am in escrow. To avoid resolving the issue, XXXX XXXX XXXX sold my loan to Select Portfolio Servicing, who is now documenting the erroneous amount in excess of {$53000.00} as part of the principle.
I signed up for Bank of America 's ( BoA ) free online checking XXXX years ago - {$0.00} fee checking account if I do not use the teller. Recently, without my consent, BoA automatically converted my account to a " Core '' account, which has a XXXX monthly maintenance fee associated with it. I only saw the change when I was reviewing my account statement, when the {$12.00} fee was automatically deducted from my balance. I was not aware of the change. BoA buried the change in one of their electronic notices, which they could not confirm that I received, much less read/understood. 

BoA 's policy preys on people who have low balance, and may not have the resources or understanding of their rights. If BoA no longer see that I 'm a profitable customer, it may be their right to cancel my account without my consent. But BoA does not have the right to charge me a fee without my consent and understanding. If banks are allow to do this, they can " bait and switch '' by signing customer up with attractive offer, and then change the policy without customer consent and knowledge to a high fee account. 

This case is different than low introductory APR credit cards in that, low introductory APR credit card disclose their rate hike after introductory period. In this case, BoA materially changed their policy without getting customer consent. BoA could have easily gotten the customer consent/understanding by displaying a simple message during an ATM transaction ( or other touchpoints ) and request customers to confirm understanding, or call their customers to notify.
I have been receiving repeated phone calls from the company Central Portfolio Control Inc . I received a phone XX/XX/XXXX stating that I owed a debt on a XXXX XXXX and needed to make payment or setup a payment plan right away. If I did not do so then I would be sued or my wages garnished. I however refused a payment as I am still unaware of the collection in question. I was never sent any information regarding the said debt from the original debtor or from CPC. My spouse is now receiving phone calls to his place of business with the same threat : If I do not pay the debt they will garnish my wages. Latest phone call was -XX/XX/XXXX at XXXX XXXX. I am aware that the debt in question is well out of the statue of limitations. The threats and harassing phone calls made to my spouse 's place of employment are unlawful. The threats and phone calls made to my personal cell phone number are unlawful. The CPC has not provided any hard copy proof of the said debt in collection : I have no judgement or collection on my recent credit report - printed XX/XX/XXXX : nor have I ever received any information or contact from the original debtor.
i paid a company blue chip dev. XXXX on XX/XX/2016.when i realized i had been taken i called my credit card to dispute this transaction.i was first told they could not find a billing error.it was not a billing error because i had given them my information.this was services not rendered to me. i am XXXX years old, this is more of unfair and deceptive trade practice on the elderly.the bank went along with this fraud and found in their favor.this is only a portion of what they charged me.other cards responded favorably so how can some do and some dont. i dont feel as if the bank even looked into this.the amount charged has to be illegal.seems as if the bank just sent a form letter to bad.i dont know by law how much the bank or merchant are held responsible but this is thievery.i would expect more from my financial institution.
My daughter purchased XXXX Phones for her and her boyfriend. She called me and said that XXXX was offering a great deal and ask if she could use my credit rating to open the account. They said that I would not be responsible for the bill that it would be in my daughters name. When she opened the account XXXX said that they would pay off the contract on her previous phone service to switch to XXXX. XXXX did not do this. She made XXXX payment but was not charged correctly and stopped making payments. My daughter was living in my rental home where the bills were being sent in my name. My daughter and I called XXXX on 3 way telling them that this bill was not suppose to be in my name and complained about the incorrect charges. I called XXXX two more times to get this bill in her name where it belonged. I have a XXXX phone ( for many years ) and would never agree to pay another company for phones.
CITI Bank, XXXX XXXX XXXX, XXXX OR, XXXX Credit Card Holder XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX Account Ending XXXX Received letter dated XXXX XXXX, 2017 that I previously enrolled in Credit Protector, optional debt protection program. In which I was charged a monthly fee. I had NO knowledge of being enrolled in this program. I was told to enter reference number XXXX and Tracking Number XXXX XXXX XXXX
moneygram refuses to refund money sent on a masterd walmart prepaid card of XXXX and also XXXX did not receive my loan on XXXX XXXX XX/XX/2015