WillisBack/dataset-financial-user-claim huggingface dataset:
this is add on from my previous complaint with JP Morgan Chase Bank. the week when i found out about JP Morgan Chase Bank placing a pending closure /freezing my funds on my checking account. 
I went to the XXXX XXXX Chase Bank Branch, spoke with bank rep, manager, then Bank Rep manager branch called JP Morgan Chase Bank corporate, discuss my issue, stay in there for an hour. after all the discussion with Chase Bank branch manager, I should not be worried about the bills payment i had issued drawn to my checking account. all issued bills payment are going to be paid by Chase Bank via my checking account regardless of the pending closure/ freeze funds. 
& gt ; no worries ... 
Well that did not happen. XXXX was XXXX of the merchant i issued a bill payment. Since the bill payment was taken back by JP Morgan Chase Bank which made it worst. XXXX place my account on a limit status & gt ; No online payment, no credit or debit payment. all payments must be paid on XXXX kiosk at a location for a year. 
This is an outcome from jP Morgan Chase Bank actions. This is not my fault & lt ; i spoke to XXXX but damage has been done.
I have a revolving line of credit with Cash 2 U Financial Services of VA. On the day that the loan is due I start getting calls at my place of employment. I have asked several times not to be contacted at my job and have informed them that I am not allowed to receive those types of calls. I received a call today that was answered by one of my employees. The rep asked to speak to my direct manager by name and did not ask to speak to me. There should never be a time that a debt collector ask to speak to a person other than the person on the account. My manager was out of the office so the call was transferred to my voicemail. I called Cash 2 U and advised them again not to call my place of employment and asked why they would ask to speak to my manager and not to me. She informed me that she had not done so. I advised her that all calls made to the company are recorded and that I listened to the recording and she specifically asked for my manager by name. She never mentioned my name until the rep told her that the manager was unavailable and was there someone else that could possibly assist her. She then said I am not going to argue that fact with you. I asked again to never contact my employer because they are putting my job in jeopardy. She stated that she made notations on the account that they will never contact my place of employment again. I was lied to about the terms of the loan, I was lied to today that they did not ask for my manager directly, so I am pretty sure she lied about the do not call the employer notations as well.
I have never received any communication via email, mail, or phone to validate this debt and therefore dispute this debt against XXXX XXXX XXXX and XXXX. Also, upon further investigation, this company reports multiple ways with the credit bureaus. With XXXX, they report as XXXX XXXX XXXX. However, with XXXX, they report as XXXX XXXX XXXX. In the XXXX of North Carolina, collection agencies are required to be licensed and/or registered with the Secretary of State. XXXX XXXX XXXX is currently under a WITHDRAWN status.
I have owned this timeshare with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  since   XXXX  . At the time of the purchase the sales reps told me it would increase in value. This, they told me, was a certainty. At the time of purchase the sales reps also told me I would be able to sell it with no problem. The timeshare is now paid for. I have tried to sell it on mor e than one occasion. These attempts have resulted in further monetary loss and no sale. The two  big selling points for me have proven to be lies told by the sales reps to make the sale. I am now  XXXX   years old.  I am no longer able to travel and can no longer use this timeshare for a multitude of reasons. Because I can not sell it and the maintenance fees have proven to be a hardship, I want the contract canceled now.  XXXX  will be able to put this timeshare back in inventory and sell it again. It is to their financial advantage to do so. They will have revenue from the sale, the mortgage, maintenance fees, and other fees that I will not be paying for any longer. I want the paperwork to cancel this timeshare. I have contacted them about relinquishment but they refuse to listen and furthermore state that they do not accept relinquishment. My last letter to  XXXX  and  Sonnenschein Financial was mild and considerate and nice in my elderly-lady way. Sonnenschein Financial  is demanding I pay maintenance fees and other fees on this timeshare I have owned for 25 years. I am not paying anybody anything. The timeshare is paid off. It is paid for. I owe no more money on the contract. It is paid in full. There is no past due amount as the note is paid in full. I own this. It is mine. Paid. Off. I am not paying the maintenance fees. I am not paying any fees ever again. I will accept the  Mutual Release they spoke about in their last letter with these provisions : 1. I will pay them no money. 2. They will not damage my credit in anyway. 3.  I ask for no refund since I have had this timeshare for 25 years.
I received my XX/XX/XXXX credit card account billing from PNC Bank. I made one purchase, on my credit card, in the amount of {$20.00} and they charged me interest of {$.00}. But I noticed they also charged me a minimum interest charge of {$1.00}. When I called PNC and inquired about the {$1.00} I was told that this is company policy. So because I didn't meet their policy of at least purchasing and amount on the card to cover the {$1.00} they charged me, at a profit for PNC of {$1.00}, in which I received no benefit what so ever. 

I was so irritated by the reason I got from their representative that I closed the account. How is PNC getting away with this when they charge you extra money when the consumer gets no benefit as to purchasing an item on their card? 

I wouldn't have noticed the charge if I had not looked at my bill from XX/XX/2018 closer then I usually do. I would assume that other PNC customers are not noticing the minimum charge and that is why I am complaining both for myself and other customers as well. 

And I did not appreciate the representative 's quote of, " It is company policy. '' How many times have I heard that when a customer has a complaint. 

Anyway my complaint ; as to how PNC gets away with charging a minimum interest and if you don't reach the minimum interest charge you still have to pay them interest with no purchases on my part. And it is all profit on the bottom line for PNC. And what if you don't use the card for a certain billing month they still charge you {$1.00}? 

I have a couple of charge cards that do not have a minimum charge and I will continue to use them.
I think this is my wife 's loan. She did not tell me about this loan. She had loss her business back in 2012 and we then had limited income. I was then the sole income earner. She was later sued from another company for {>= $1,000,000}. We had to get an attorney, which cost is thousands of dollars and this dragged on for over two years. 
She was not able to win and we had to come to a settlement with the other company.
I have never had a late payment on a lengthy credit report. I currently have 14 credit cards, including 2 ( closed moments ago ) with citi bank. All 14 have been on auto draft since opening or shortly after. According to citi, only 1 of the 2 cards I had with them was on auto draft. The way citis Website is set up makes it nearly impossible to sign up for auto draft on 1 and not the other. In this case, it is my word against citis. Ive had both accounts since XXXX of XXXX, which would mean Ive had roughly 80 payment due dates between the two. I have never been a day late, which they acknowledge.

I woke up this morning, and decided to check my XXXX XXXX, I havent done in a month or so. I am shocked to see my score has dropped well over 100 points, and learn it is because citi has placed 1 of my cards in collection. I promptly call citi, and speak with their collections department. I explain I will pay the bill but want the 30 day notice removed because my account should be on auto pay. They claim they cant do that, and send me to customer service, explaining that maybe they can. Customer service then says only collections can. I then informed them I would like to close both of my accounts. The representative informed me I would have to talk to a customer specialist before I could do that. The specialist then attempts to persuade me not to, because I am a good customer. I explained to her I cant do business with a company that will not complete a simple task, which I feel is not my mistake.

The specialist digs a little deeper when I told her no one had even contacted me. She discovers they had only called my primary number, which has long been disconnected, and never tried my secondary number. She all but agreed with me that this was unfair, but in the end she had no authority. I closed the accounts.

After getting a off the phone, I go check my email. I had received several emails from citi, most of which were promo offers. Citi floods your mail and email with promotional offers. I check each email and find 1 email between XXXX and XXXX, which is when they 30 day period occurred. It said nothing about being late, it just states I needed to call a XXXX number. I assumed this was just another promo. Then, I find an email from XXXX, which is 1 day before I am 30 days late. What does it contain? A promotional offer to add an authorized user to earn a {$25.00} statement credit. Who would email someone new benefits when theyre in default? Citi bank, thats who. They have also sent me text messages in the past. No text, no call, and no email with any information other than to call them. 
In summary, citi has ruined the credit of a XXXX XXXX XXXX who has been a loyal customer. All departments claim to have no authority, or blame other departments. If you dont have yourself on video clicking the mouse, they think youre lying. {$110.00} has cost me thousands in future interest charges on purchases due to citis unwillingness to admit the consumer may have a point. The sad thing is, deleting my notice would cost citi NOTHING. I said I will pay the late fee! They dont want to set a precedent of aiding consumers in misunderstandings, plain and simple.
Informed identity was compromised and to remove debt and was told no! Keep getting calls even changed number. Debt keeps being sold to collections agencys. Account is over 5yrs old. Making my credit be poor even though I have outstanding credit worthiness for a few years now.
I am writing to dispute a billing error in the amount of {$800.00} assessed on my previous loan # XXXX serviced by Citimortgage. My previous mortgage servicer CitiMortgage mistakenly foreclosed on my home in XX/XX/XXXX. Due to this mistake, the foreclosure was rescinded and Citimortgage waived all the Fees ( Letter attached. ) However shortly after, Citimortgage inaccurately charged an {$800.00} fee to my loan on XX/XX/XXXX ( Citimortgage Expense history attached ). This was inaccurately charged to my loan as citimortgage previously waived all the fees due to their error. I have previously asked citimortgage to remove this inaccurate charge, however they have not removed it and citimortgage has not provided me any evidence ( Break down of charges equal to {$800.00}, detailed description of services rendered for each fee, date of services rendered for each fee, amount of each fee and copies of original invoices for each fee which adds up to the {$800.00} ) confirming that this  charge was accurately assessed. Due to this inaccurate {$800.00} fee charged by Citimortgage which was in direct correlation with the mistaken foreclosure in XXXX which citimortgage has waived all fees, I am requesting citimortgage refund me the {$800.00} which they had charged my new servicer ( XXXX XXXX history attached ) when the loan service transferred to XXXX XXXX loan # XXXX. Please have Citimortgage refund the {$800.00} to me so that I can refund the {$800.00} to my new servicer to correct the inaccurate charge.
I started making payments through the online website speedycash.com for a debt that was owed. When I made the payments to them they provided a collection company XXXX my credit card information and the company withdraw XXXX from my account without my permission. I spoke with both companies about the unauthorized charge, and they state there is nothing that can be done after money was taken fraudulently. I never setup an agreement with XXXX or spoken with them about the case. The funds should be placed back into my account, because XXXX received information that should not have been provided to them to collect a debt. Speedycash states on every call they no longer have the case, and everything was done by their 3rd party company. If this was done to me I know it 's being done to others trying to repay debts that are owed.
I applied for a loan modification with Wells Fargo on XXXX XXXX, XXXX. This was n't the first application. I had submitted a previous loan modification the early part of the year but Wells Fargo ' representative declined receiving most supporting documents I had submitted. I then decided to hire a law firm, XXXX XXXX, to help with the process. The representative with XXXX and XXXX submitted a complete loan modification package to Wells Fargo on XXXX XXXX, XXXX. On or about XXXX XXXX, she started to inquire about the status of the application, Wells Fargo 's representatives gave her the run around just like they did me. In the package the representative submitted she listed my gross income to be {$6500.00} per month and provided supporting documents accordingly. Eventually, Wells Fargo submitted a denial letter, listing the reason for the denial as insufficient gross monthly income of {$3500.00}. The amount they listed is {$3000.00}. less than the gross amount we listed on the application. 

I am requesting that Wells Fargo send a letter explaining the reason for listing the incorrect amount. Also, to correct the information and send a letter of approval based on the information the representative at XXXX and XXXX already provided. 

I have submitted a Notice of Error to Wells Fargo. I am attaching this letter to this correspondence
I have not received any validation documentation from PARAMOUNT RECOVERY. A bill is not validation, I 'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. 
-Please provide breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me.
In XX/XX/XXXX, our home mortgage was sold to a service provider named SPS ( Select Portfolio Servicing ). On XX/XX/XXXX, we sent the company notification via phone, fax and upload to their website that we elected to pay property taxes directly to the municipality. We did not give consent for SPS to escrow in anticipation of the next quarterly tax payment that is due on XX/XX/XXXX. 

In response to our call, fax and uploaded document, we received verbal ( recorded ) acknowledgment by a representative named XXXX XXXX on XX/XX/XXXX at XXXX that SPS would NOT escrow our taxes. However, SPS sent out payment for taxes to our municipality at some point prior to our conversation with SPS representative named XXXX on XX/XX/XXXX at XXXX. The due date for taxes is XX/XX/XXXX. We spoke with XXXX and she confirmed that a payment in fact had been made without our consent ( recorded ). She suggested that we go to the municipality and ask them to reject the payment ( which put the responsibility on us to correct an error made by SPS ). She also told us that we could " just pay them ( SPS ) back '' ( recorded ) to correct the error. 

We are filing an official complaint and want restorative action taken to correct this matter.
USAA Federal Savings Bank ( hereinafter referenced as " USAA '' ) charged-off my mortgage debt subsequent to my ex-wife filing for Chapter XXXX bankruptcy protection. I did not file for bankruptcy protection and through my ex-wife refused to reaffirm the debt in question, I am still a valid consumer who has made timely and fully payments since the inception of the debt. USAA is likely the servicer for a securitizied mortgage debt. They are currently reporting the debt as charged-off on my public credit record and causing great financial harm. While USAA may have " charged-off '' the debt, they did so unlawfully as I am a borrower who has made timely and full payments and my financial liability has not been resolved by a bankruptcy petition. Because I believe USAA to be a servicer, I believe they have violated several provisions of the FDCPA. Moreover, because they are wantonly and willfully slandering my credit record I believe they are violating the FCRA.
In XX/XX/XXXX I entered into a contract with XXXX XXXX to settle several of my credit card debts, including one with Walmart. XXXX XXXX successfully settled this debt in XX/XX/XXXX. About two weeks ago this debt showed up as a collection on my credit report. When I contacted XXXX XXXX they confirmed it had been paid. They have been working to clear up the problem and said that the collection agency that reported it was XXXX XXXX XXXX. Today I received a phone call, not on my phone but on my sister 's phone ( my secondary phone number ) from someone saying they were from XXXX XXXX and they wanted the last four digits of my social security number for identification purposes. I would not give it to them. I told them this debt has already been paid, should never have been put in collections or on my credit report, and would be reported. They said if I would just give them my social security numbers they could help me. I refused and they hung up on me.
For the past two years, I have over paid into my escrow account and have not been sent the overage amount. I have also over paid on a few payments do to late charges, yet the late charges have not been removed after processing the payment. For instance, if I double my payment and add the late charge, I still have {$120.00} unaccounted for. Although my insurance and taxes are the same, and I over paid into the escrow, my escrow payments went up almost {$30.00} a month. I have paid extra on a few payment only to have the monies diverted from the late fees. How can I make the full payment owed only to have the {$170.00} late fee ( Do n't know how they came up with this number ) added to my next statement as well, so when they get the extra monies, it will be added anywhere but to the late fees. I am tired of Ditech doing what they want with my fixed rate mortgage..
Step 1 : What is this complaint about? This complaint is about the customer service ( or lack thereof ) you I have been receiving from Coinbase during the last three weeks. I have been having two major problems with my account, yet have received no real help or assistance from Coinbase. Step 2 : What type of problem are you having? Problem 1 : As a Coinbase client you are able to purchase Bitcoins with having to pay a fee, if you first transfer your funds to XXXX  ( which belongs to Coinbase ). Therefore, I tried to open a XXXX account on XX/XX/XXXX and it did not work. I contacted customer support, informed them of my problem and since XX/XX/XXXX I have not heard back from them. Problem 2 : Given that this took so long, I decided to purchase Bitcoin through Coinbase directly, even though this meant paying a 1,5 % fee both when you buy and sell your position. So I tried to log into my Coinbase account and this did not work, either. To be more specific : The XXXX XXXX authorization did not work. I checked Coinbase 's instructions, followed them and it still did not work. I then contacted them again on XX/XX/XXXX and gave them a call a day later, in which I was hung up on only to then be told via email that this issue was being dealt with. Since then I did not hear from them. I still want to get in the market - after all my account holds my funds - and I would like to see this problem solved rather soon. Step 3 : What happened? See Step 2. Step 4 : What company is this complaint about? XXXX XXXX XXXX. Step 5 : Who are the people involved? I only have my customer service cases, which are # XXXX ( for problem # 1 )  and # XXXX ( for problem # 2 ).
Back in XX/XX/2014 i was in a bad car accident and o was unable to pay my car payment for XX/XX/XXXX and XX/XX/XXXX, and i asked for a good will for the late payments the happened and supplied all of the doctors bills and information showing the accident. I never received a response on reason why the late payments are not removed. But they did remove the late fee i had during that time, but the payments are still reporting late. Late fees were removed and not the late payments that are being reported
I Filed a complaint # XXXX on BRIDGECREST ACCEPTANCE CORPORATION on XX/XX/XXXX, my complaint was with how they are closing the account. BRIDGECREST ACCEPTANCE CORPORATION responded on XX/XX/XXXX and the complaint was closed, however XXXX still did not file the GAP insurrance. They claim that the total amount was not received, the amount was short by {$4.00} and the GAP could not be filed until the total amount was paid. They received the amount on XX/XX/XXXX, then on XX/XX/XXXX the differance of {$4.00} was posted to my account and still waiting for the GAP to close. XXXX lack of attention with my account is due to me no longer wanting to use thier company financing. thier interst rates is too high and they was not truthful in how interest was accumulated. this was not a simple interest loan. they will receive 3 times the amout of the vehicles worth. My vehicle was involve in an accident on XX/XX/XXXX and as of XX/XX/XXXX i am still without a vehicle.
A merchant padded my credit card bill with services I never authorized or requested. I have disputed this numerous times with American Express, and they refuse to remove the charge.
XXXX XXXX received a cease and desist concerning an account that was improperly and inaccurately reported and closed to my report to assist in harassing and stalking me. The accounts were removed on two different occasions after receiving correspondence concerning the cease and desist order from the attorney. They have begun to try and report it again without my knowledge again the cease and desist order. The accounts need to be removed again from all reports, and they are not authorized to do anything with my credit bureau reports for any reason. I dealt with their unethical business practices once before, and will never use their services again for any reason. My next action is to sue.
I had started a loan modification process with Suntrust, they immediately started reporting damaging and wrongful information about my account while being under loan modification process, which by law they ca n't! XXXX Suntrust requires you to NOT pay your loan for the XXXX 6 months to qualify for loan modification, so that they can start loan modification process, meanwhile they were submitting to credit bureau that i was behind 160 days then XXXX again and on & on. I got fed up with their loan modification process, I ended up selling my home and " paid off '' Suntrust in full along with their hefty loan modification attorney fees and any other fees they conjured up to rack more money. I informed them numerous times to correct the wrongful damaging, negative & hard hits placed, they said they would, to date they never have! I have letter from them saying was an " error '' they need to correct this and fix my damaged report along with all hard hits & negative hits once and for all!! And I want more then an apology!