WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a Belk Department store credit card in the summer of 2014. When I got my XXXX statement, I immediately went to the Belk credit card website to set up an automatic debit of the full payment on the date it was due. My subsequent monthly statement was successfully debited on XXXX/XXXX/2014. Shortly thereafter I could not find my credit card and requested a replacement. 
My next purchase with the Belk credit card was an on-line purchase for {$83.00} on XXXX/XXXX/2014. I received no Belk statements during the next two weeks and left the country and did not return until mid-December. As had been set-up for automatic debits with Belk credit for the full payment, and as my other credit cards had always transferred draft authorizations to replacement cards cards, I was not concerned about the payment. 
I returned from my trip to find several Belk credit letters waiting. I called immediately and Belk, unlike most other credit cards, does not transfer debit authorizations to replacement cards. Nor do I recall that the replacement card packet provide any warning to update bank debit authorization for payments. I called Belk credit on XXXX/XXXX/14 and made a {$100.00} payment by phone. I cancelled the Belk card shortly thereafter. 
I forgot about the Belk incident until I received my credit report from XXXX. Since I always set up automatic drafts, every XXXX of the other credit cards show full balances paid on time. My XXXX XXXX XXXX card goes back XXXX years. My XXXX card sent me a notice that my Penalty Annual Percentage rate will be increased to 29.24 %, and the Penalty will be in effect for 12 months. As I pay the balance in full, this will not have a material effect on my finances. However, the impact on my credit reputation is immeasurable. My years of consistent monthly credit payments have been negated. Belk Department stores has trashed my reputation ... for an {$83.00} purchase. 
On the other hand, I discovered a fraudulent transaction for {$200.00} on XXXX/XXXX/2014 on my XXXX credit card. XXXX sent me a card with a new number and transferred the monthly draft to the new card automatically. XXXX did not think to ask me and I also did not give it a XXXX thought.
I was looking through my Credit Score and saw a {$300.00} collection for XXXX, and I currently have one account open through them as well as this is the first time I have ever been with the company. I call them to confirm that my account is in good standing as well as I have one had one account ever and they agreed. I then proceed to contact the collection agency about it and they said that they understand the situation and they would file a dispute as well as stated that they assume it was an error on XXXX part. A week passes by and I contact the collection agency and they tel me We have given the right back to XXXX and that collection is no longer apart of us, and after that call I proceed to contact XXXX and they once again verify through my social security number that I have only opened one account which is the one Im currently in good standing on otherwise it would be impossible for me to have debt owed and still open a 2nd account without paying the original first. I then proceed to dispute the collection on both sides, and with both parties agreeing that it was a mistake with the recorded phone calls I have yet to receive a letter stating that the collection isnt mine and will be taken off. I would like to have both parties communicate and actually follow through on whats stated in phone call logs.
I received a phone call from Quicken Loans on or about XXXX 2015 informing me I could refinance my current mortgage at a lower rate with no points and no costs. We began the process and locked the rate at 4.250 percent ( with no points and no costs ) and a rate lock expiration of XXXX XXXX. 

I was ready well-before the date, but XXXX was not. When they were ready, on about XXXX XXXX, I was told the rate lock had expired and that I could only have the rate that was promised ( 4.250 % ) if I agreed to pay points ( a little less than 1 % ). It feels pretty much like XXXX pulled a bait and switch, because I can point to XXXX periods in the process where they went radio silent for approximately XXXX weeks in total between the beginning of XX/XX/XXXX and end of XX/XX/XXXX ( this can be documented. ) Additionally, on or about XX/XX/XXXX-XX/XX/XXXX, I sent a series of emails to the loan officer expressing increasing alarm at the looming deadline. 

They do not deny being the cause of the delay that caused the expiration of the rate lock, but they will still not honor the offer made to me originally and that I in good faith moved forward under. I am saddened that I have to file a complaint for them to do the right thing, but here we are.
I withdrew my money from a money market account and closed it. Discover bank claims to not have received my initial request to close the account and is charging me fees on the XXXX  balance. They refuse to close the account and keep charging me fees! 
XXXX - XXXX out the account and send closure via bank 's internal messaging. 
XXXX - Messaging via bank 's website again requesting closure. Was told they would not because they are charging me a minimum balance fee. ( - {$10.00} ) XXXX - Telephone conversation with bank employees. Requested account closure, and was refused again. ( - {$10.00} again ) Discover bank continues to charge monthly fees on an account that was a savings money market account - not a credit account! They are providing no desired service. I have not borrowed any money from them. 

The bank refuses to close the now negative account without payment of their fees. There was no fee for closing accounts apparent in the agreement.
My loan was initially given to XXXX XXXX or some agency and after that it's been transferred to XXXX Department. 
Whenever I call XXXX, they threaten with interest rate, non-negotiable options, don't work with any plan, they were wronged and fraudulently put forbearance on my account several times and now I have more than {$10000.00} of interest without my concern. 
There is a huge fraud going on in XXXX and they are putting wrong information. 
XXXX never explained about any deferement, forbearance or any such thing.
My loan officer, at the time, XXXX XXXX lied to me over and over again and cost me time, money and XXXX homes. He kept lying about the numbers and when I called to report him ( I called over a 100 times ) no one would return my calls. He has since been terminated due to fraud, but they refuse to make me whole my waiving their origination fees. They also lost my personal paperwork. I had to submit documents 3 times over, the same ones and no one can tell me where they are. For all I know, XXXX took them when they left. Someone needs to look into the practice of this company because I think they would find that quite a few rules are being broken. They are also nonresponsive and I believe they drag their feet so they can find ways of weaseling more money out of you. They also keep changing my numbers. My closing went from XXXX to XXXX in a matter of hours because they allegedly left things off. I ca n't trust a word they say but I 'm in escrow and ca n't afford to change lenders. They also lied to me about what I would need to secure the loan. After XXXX was fired they told me I would have to jump through so many more hoops that they did n't initially tell me about. At XXXX point they lied about the kind of loan I could receive and I had to pull out of a contract for a own because a week after signing the contract they call me and say we do n't off those types of loans anymore.
On XX/XX/18 I contacted XXXX XXXX customer service, to inquire why I had received paper statements for several months when I have never received them before ; I was signed up for electronic statements. I was informed that their credit card platform was in the midst of a " platform update '' and that my current web browser didn't support the update. Being personally aware of the IT field and software platforms I communicated that the information the customer service rep offered as an explanation was technically inaccurate. I also communicated that I did not want to receive paper statements through the mail for security reasons ; the customer service representative offered no other options to turn off receiving the paper statements and said it would last until the platform update was complete. On XX/XX/18 I attempted to log in to my online account and it seems the " platform update '' is complete and was prompted to update security questions and re-enter secure account information, including my full name, full XXXX XXXX account number, social security number digits, and security code on the reverse side of my credit card. I was also prompted to download a document from the internet in order to sign up for electronic statements only. Since I had received no official communication from XXXX XXXX or XXXX XXXX, XXXX XXXX. ( the credit card servicer ) that such a change or update to the site was occurring, I was wary of entering secure information on an unfamiliar website. I again contacted XXXX XXXX customer service to inquire about the validity of this new website and security question procedure. I also wanted to provide feedback that I was unhappy with receiving zero communication from XXXX XXXX or XXXX XXXX, XXXX XXXX. ( the credit card servicer ) of these changes to my account, what feels like careless handling of secure account information, and of the platform update which I would not been privy to unless I has called over the summer about the paper statements. The customer service representative placed the call on hold several times when I inquired to share this information and my dissatisfaction with the handling of my secure account information, and on the final hold, I was disconnected from the call through no fault of my phone service.
XXXX XXXX XXXX, XXXX XXXX of California processed duplicate ( sometimes triplicate XXXX claims due to processing errors. A claim was paid, then the duplicate went out without member receiving a second reimbursement. This duplicate claim was pegged as an overpayment in error. Member called customer service back in XXXX 2015, and claims were reviewed stating that member did not owe anything to XXXX. Member, also, has called XXXX several other times due to phone calls from Lamont Hanley to confirm that member do not have any overpayments. Lamont Hanley has been calling member trying to collect a payment that I do not owe. I have called XXXX several times about this erroneous claim and they agree that I do not owe any overpayment, but Lamont Hanley is relentless in calling harassing me for a bill I do not owe. Just two hours ago, I received a call from this collection agency and informed them for the fourth or fifth time that I do not owe XXXX, but this time the rep kept arguing with me stating that " you do owe this bill. '' I hung up and called back and asked to speak with a manager of Lamont Hanley and informed him that his company has been harassing me for almost a year for a bill from XXXX that I do not owe. The manager asked for my phone number, and he confirmed that the matter had been cleared up with XXXX and that his reps will not continue to call. My concern is that this erroneous matter will end up on my credit reports.
I noticed this XXXX XXXX that on my Best buy credit card ( citibank ) I was being charged a fee outside of my interest. I learned that the fee was called " enhanced debt protection. '' When I called to figure out what this fee was regarding, they informed me that I have had this " protection '' on my account since XXXX of XXXX. I felt violated and immediately wanted to close my account as well as cancel this " protection. '' I know that I have never knowingly signed up for ANY protection on my account. In fact I have never heard of this protection in my life until that phone call. I demanded to be refunded and I know I have paid well over {$500.00} into this. Had I of not downloaded my statement and looked thoroughly I would still be charged this fee every month without my knowledge. Not only have I reached out to them XX/XX/XXXX and demanded they refund me, they stated it would be investigated and that I will receive a document stating whether I would be refunded or not. I received the document today, XX/XX/XXXX and was told they will request again for investigation again. I was told there is no one else to speak with about this and the only thing I can do is wait for another investigation. After reading further into this situation there are many others in the same situation I am with Citibank with no refunds and no answers.
Went thought USA Morgtage and DAS Acquisition underwriter at the last minute on last wednesday stated I need addition document of employment. My loan officer I have no issuse with its the underwriter of my VA mortgage put me and my family is a really diffucuilt sitution and loss hope and uncertaintly of using this house that the underwriter went though all the stages and getting our hopes ups, and making my family possibility becoming homeless over this sitution. Making our family think we got to pay all these inspections, apperaziles, and other paying all these fees. My finicial coach adivised me to contact you over this issuse. My name is XXXX XXXX my email is XXXXXXXXXXXX and my cell phone # XXXX and my wife name is XXXX XXXX here contact are email XXXXXXXXXXXX and cell is # XXXX.
I have submitted disputes to Transunion for over 2 years and also to CFPB only to have the same information continue to be reported wrong on my credit report there are 7 accounts with XXXX XXXX that should be only have reported status of closed paid in consolidation and any other remarks removed. I have a positive consolidated account from XXXX that is not reporting wrong please do n't dispute. Also there are 8 accounts from the XXXX XXXX XXXX reporting as included in bankruptcy which should only be reported as closed and paid with no negative reporting. Student loans are not included in Bankruptcy I have contacted XXXX & the XXXX XXXX XXXX and they have continued to state they have n't been contacted by Transunion to verify the information.
On XX/XX/18 I discovered that Caliber home loans XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX have put together a loan package in my name with personal information stolen from XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX. This illegal loan was originated by Mr XXXX XXXX lic # XXXX, NMLS # XXXX, of Caliber home loans, our ( my XXXXyr old ) was given to Mr XXXX XXXX by XXXX employee XXXX XXXX ( loan officer ) who was terminated by XXXX on XX/XX/18, Mr XXXX XXXX is and was unlicensed in TN. My FTC complaint # XXXX my XXXX complaint # XXXX my cfpb reference # for XXXX XXXX-XXXX. I have had to freeze my credit right in the middle of the home search. My identity and credit are now in permanent Jeopardy and have suffered irrevocable harm by being passed around. I have never met Mr XXXX XXXX and have never heard of Caliber home loans. I did not give anyone permission to run credit and I have not filled out any mortgage applications with XXXX or Caliber home loans. This loan package was then transferred back to XXXX by XXXX XXXX, ( where our information was stolen from in the first place ) onXX/XX/18. The personal information was given back to XXXX in PDF form, it was stolen from XXXX in paper form ( hard copies ).
I am the executor of my brother 's estate, XXXX XXXX XXXX, XXXX. He lived in XXXX, Maryland and the property address involved is XXXX XXXX XXXX, XXXX, Maryland. We entered into a Deed in Lieu of foreclosure with PNC Bank, upon their request, on XX/XX/XXXX. The attorney handling the DIL has been calling weekly and there has been no progress on the file. PNC has been delaying the process and the property is set in for foreclosure on XX/XX/XXXX. XXXX XXXX XXXX XXXX was paid {$6000.00} for release of lien in XX/XX/XXXX, and this lender has not recorded certificate of satisfaction yet.
Hello, This is a complaint about Nationstar Mortgage ( their website is mynationstar.com XXXX : # XXXX ). This company failed to inform me about my escrow found increase for the month of XXXX. On XXXX XXXX they received my XXXX mortgage payment that was short of {$39.00}. This organization sends me advertising emails weekly and even thru XXXX!!!!? But when it came to important info they failed to contact me. 
I received a phone call from them around XXXX XXXX informing me that my payment was short. I explained to their representative that I was not aware of the issue and the rep waved the late fees since I was always paying on time as long as I sand remaining payment immediately. ( This info is easy to check since they say that they record all the phone calls ). As I promised I sent them a remaining payment of {$40.00} ( I rounded up the required {$39.00} ) that was received on XXXX. On XXXX XXXX they received my new and increased XXXX mortgage payment of {$2500.00}. 
Last week I received call from Nationstar saying that I 'm " late again.. '' (!!!!? ). The rep told me that since my XXXX payment was short their " system allocated it in a principal payment and I still owe them regular payment ''. I explained my conversation with them in XXXX on XXXX XXXX payment of {$2500.00} was received and I got bill in a mail for 2 months plus fees of {$69.00}. 
It seems to me that it could be new way for banks to try to reposes homes from FHA home owner like me. Take a payment, blame computer system on misallocating it, put extra financial burden on home owner, reposes the home and split bonuses for a great banking work!!! 
Can some one help me with this problem? 
Thank you
I took out a XXXX loan with Sallie Mae For the school year of XXXX. However two weeks before the year started I had a XXXX. I still attempted to attend school. I do completely understand that I still owe them, however because of my XXXX I have been unable to find work in my field. I currently work part time and make about XXXXevery two weeks. Sallie Mae is aware of the situation. I have tried repeatedly between XX/XX/XXXX and XX/XX/XXXX to have them help lower my payments or put me on a forbearance program. The first time I contacted them I was told that I do not make enough money to qualify for a reduction in my payment. Ive tried at least twice more to get on one of their programs, but I can not get them to lower my payments to something I can afford. 

I have informed them on no less than 3 occasions that I'm not allowed to use my phone at work and their consistent calls are interfering with my ability to do my job. However I am still getting multiple calls while I am at work. 

Ill go through just the last week. 

On XX/XX/XXXX 2 calls XXXXXXXX XXXX and XXXX XXXX XX/XX/XXXX 2 calls XXXX and XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX, XXXX, XXXX, and twice at XXXX XXXX I was at work from XXXX through XXXX XXXX   XX/XX/XXXX. That is 4 phone calls in a6hr period when I'm at work, I feel this is turning into harassment. Most calls do not leave a message. And three times messages were let by a XXXX where is tone is almost but not quite completely condescending. I put in a complaint with sallie mae after the first message and still received two more. 

They have also contacted third parties multiple times, after I asked them to not contact those third parties again.
Initially, I submitted documentation to Caliber Home loans that there was no lien on the home from XXXX XXXX, because I had only received a notice in the mail regarding that XXXX collection agency. 
After going down to the courthouse, I learned that XXXX XXXX had a judgment on my home. The debt was paid on XXXX 2015. In XXXX 2015 Caliber received documentation that the debt was paid and there was no lien on my home. Caliber still denied the remodification due to a lien.
I purchased a oven on XX/XX/XXXX with a Wells Fargo credit line. This was a no interest credit line if paid in full within 12 months. I did not receive a bill during the first week of XX/XX/XXXX so I went to their online billing site and submitted a payment of {$1000.00} on XX/XX/XXXX. I get paid once a month on the XX/XX/XXXX so that is when I pay all of my bills. I did not receive a bill for XX/XX/XXXX by the first so, once again I submitted a payment online for another {$1000.00} on XX/XX/XXXX. The same thing happened for the month of XX/XX/XXXX. I submitted a payment online for {$1000.00} on XX/XX/XXXX. When I finally received my billing statement in the mail on XX/XX/XXXX there was a late fee of {$27.00} added. I telephoned the Wells Fargo customer service number and spoke with a young women whose name I did not catch ( English was a second language ) and was told that due to the billing cycle, I was being charged a late fee because I was paying too early. I said that I would not pay a late fee for paying too early and expected it to be removed. She had to discuss this with her supervisor and after, I was told that it would be removed this time but that I needed to adjust my payment date. Apparently this is another way for Wells Fargo to steal from their customers. Who ever heard of being charged a late fee for paying too early? I believe Wells Fargo needs to adjust their billing cycle. This is the most ridiculous thing I have ever heard. I will be calling every month to have this fee removed ( extremely inconvenient ) and I will NEVER recommend Wells Fargo to anyone for anything and will certainly NEVER EVER use their services again.
Signed up for a CitiGold Checking Account using targeted offer code XXXX. Upon completing the requirements for the XXXX bonus ThankYou points, I got a letter saying I had completed the requirements and that the points would be deposited. Well over 6 weeks after completing those requirements, I have not received the points.
I have submitted numerous complaints about ocwen and the ridiculous interest rate that I am paying. 12.4 percent is the amount i am paying. i am paying XXXX a month on time every month XXXX dollars go to my mortgage and XXXX goes to ocwen this is crazy. I have asked to have my interest rate to be reduced as I have been paying my mortgage on time. I am just giving my money away to this company each month. I do not understand how this is not considered illegal thru CFPB and why this is not being investigated. I do not understand what guidelines are given to these companies to charge such outrages rates.THIS NEEDS TO BE INVESTIGATED I WILL CONTINUE TO FILE A COMPLAINT UNTIL SOMETHING IS DONE. COMPANY IS NOT WILLING TO WORK WITH CONSUMERS
Bank of America has not provided me with my account statements for my Prima Interest Checking Account # XXXX  despite three requests. The last paper statement I received from the bank was for the period XX/XX/XXXX thru XX/XX/XXXX. I need all the periodic account statements startingXX/XX/XXXXthereon thru to the account closing statement dated XX/XX/XXXX. In addition, I need a copy of the account opening documents ( Personal Signature Card with Substitute Form XXXX  ) bearing my signature.

I also need a statement for my Investment CD Account # XXXX XXXX XXXX XXXX, which again was never mailed to me.

The statements should be mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
I have disputed a collection on my account from XXXX XXXX XXXX requesting verification of this debt..i have also submitted 3 requests through CFPB and each of those complaints came back that this collection company is not responding, i have sent certified letters to this collection agency also and never got any responses either, when i dispute with Equifax each time they just say it was verified despite me asking constantly for verification i have no knowledge or verifications of this debt, i disputed with XXXX and XXXX and they been removed it but equifax has yet to verify or provide me with anyrhing this is unfair to be being reported and despite my multiple attempts to verify i still get no responses and also when CFPB sends complaints they dont respond back to them neither