WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is associated with a home loan I was applying for with Bank of America. Details of this issue are included with the attached letter.
I have been trying to recertify my income based repayment plan for 4 months now. I call twice a month and talk to customer service. I have been told : this is with XXXX XXXX 1. I didnt qualify because I made too much even though I submitted through Dept of Ed and my other servicer Aspire said I did qualify w the same information.

2. I submitted the paperwork twice because they said I didnt submit correctly. Again my other servicer accepted the same information as acceptable. 
3. I paid their XXXX dollar processing fee twice because their system did not recognize I had already done so. Last time I called I was told that they made a mistake and still havent processed my requests. 
3. I was told I would have an administrative forebearance while they fix their mistake. My amounts are still accruing and I am in jeopardy of credit reporting.

4. Every time I have called the service rep says they will work on it and I have not yet seen any movement. 
5. They XXXX XXXX my public loan forgiveness application and I had to call twice to get them to notice they read the dates wrong.
I am writing to inform the Consumer Financial Protection Bureau of discrimination on the part of Capital One. Their company can and will remove derogatory information, which is accurate, from consumer credit files. I am aware of several people who have had success submitting goodwill requests to their executive office. They have gotten late payments, even charge offs removed from their credit files. If Capital One denies this occurred, or that it continues to occur, I would be happy to provide documentation showing that it did and does. For some people, present company included, Capital One will respond saying " the information being reported is accurate. therefore, we are unable to remove or modify it. '' I have gotten this cookie cutter response multiple times from different people within their company. It is frustrating because I know for a fact that is n't true. Their company can and does remove negative information, which is accurate, for some of their customers. I personally know of several, so there are likely a lot more. XXXX people can contact their executive office with the same request to remove negative information from their credit files. XXXX will get approved without any challenges, the other will get denied with Capital One claiming they do n't modify or remove accurate information. Even the guy I spoke with today at Capital One did n't deny that Capital One removes negative information for some people, but not for others. He would not elaborate on how they come to their decisions. This has me concerned because it 's entirely possible, even likely, that Capital One is engaging in discrimination. How can they say they 're not? If XXXX people submit the same goodwill request requesting that Capital One remove negative information, and XXXX is approved while the other is denied citing the law or their own policies, how can they say that is n't discrimination? There is some set of criteria they are using to view XXXX customers differently, outside the scope of their goodwill requests. I would like to know what that is, and the public has a right to know.
Reporting debt owed with a new open date when in fact the Debt is owed is from 2011.
I am a XXXX Veterans. Sending these e-mails and calling sometimes take me a lot of time. Bayview Loan Servicing , LLC . is retaliating against me for submitting my complaint to the CFPB ( XXXX ). They still do not answer my e-mail or mail. 
I was able to speak to XXXX today and she said that she could not speak to me because I filed a complaint. She says that BLS has until XXXX XXXX, 2017 to reply to my complaint and that my foreclosure trial is still on XXXX. XXXX, 2017. Is it possible to postpone the XXXX XXXX, 2017 trial. Thank you. 
Very respectfully, XXXX XXXXXXXXXXXX XXXX
My mother XXXX XXXX in 2015. Prior to her XXXX she added me as a joint signer on her bank account, I was not aware of this. She had a line of credit with First Citizens Bank and when she XXXX  they said because I was added to her acct that I am responsible for the debt.
I have a checkjng account with Debit Card through Regions Bank, XXXX, Alabama. On XXXX XXXX, XXXX the ending balance on my account was {$210.00}. The next business day after that date was Tuesday, XXXX XXXX, XXXX. Over that weekend there were twelve charges for purchases and one cash withdrawal a total of {$200.00}, leaving an available balance of {$14.00}. According to my statement, the last and final charge to my account that day was a {$210.00} fee for six ( 6 ) insufficient funds charges. 
On XXXX XXXX, there were charges made to the account a purchase of {$32.00}, a locksmith charge of {$120.00} and a fee for two ( 2 ) overdraft charges of {$72.00}. 

I do not question the final charge for the two overdraft charge fee but do question the charge made against my account on XXXX XXXX, for the six overdraft fees ( {$210.00} ). I was told by the branch manager of Regions Bank, XXXX, Alabama that the overdraft for which these charges were made actually occurred because of the two charges which were processed by the bank on XXXX XXXX, XXXX. 

I realize that this does not involve a lot of money but I believe the charge made to my account for the six overdraft charges came only from an unreasonable, unfair and self-serving interpretation of its fee policy by Regions. In effect I am being charged for overdraft that never existed. At the close of business on XXXX XXXX, XXXX, there should have been a balance of {$14.00} in my account and would have been that if not for the {$210.00} charge for the overdrafts that had not occurred, I would also like to also like to refer your attention refer your attention to the Online Banking statement from Regions. Please refer your attention to the account Summary section at the top of the statement which shows the Posted Balance, an itemization of all pending charges and then what is shown as " Available Balance ''. I was told by the Branch Manager that Available Balance did not mean what it says, that it could be affected by charges which had been received but not yet processed by the bank The two ( 2 ) charges  made to the account on XXXX XXXX, apparently created the overdrafts which were charged on XXXX XXXX. 

.
I called and emailed Coinbase in regards to selling and/or transferring my Bitcoin and Ethereum cryptocurrencies and eight months later the problem hasn't been solved. Also, I have USD currency in my account that I can't use to purchase cryptocurrency and/or transfer to external accounts. Coinbase keeps telling me they will assign a specialist to my case, they've assigned one six months after I filed my claim and he was unable to solve the problem. As of today, my situation hasn't changed but my account value has dropped by {$15000.00} USD.
We recently tried to move {$30000.00} of our college savings for my daughter to Synchrony Bank, but have found Synchrony to be very unfair and deceptive in their process. After a month, they have yet to open the account or begin paying interest. I have called them several times and continue to get different excuses each time I call. One person ( XXXX ) suggested in his message that we endorsed the check wrong. ( But when we call him back during his supposed work hours, he never answers the phone and he never returns our call. ) Another said the system had timed out and I needed to start the process over. And a third suggested that maybe it was because my daughter did n't have a credit history. ( I tried to apply before she turned XXXX, but Synchrony descriminated against minors and refused to allow us to apply. ) I 've tried to call Synchrony at least 10 times and they rarely return my calls and when they do, they call when we 're at work so they do n't have to talk to us. 

This all started when I started the application on XXXX XXXX, 2016. At the end of the process, Synchrony 's system responded " Thank you for your interest in opening a Synchrony Bank account. We 're working on your application. If we need additional information, we 'll contact you within 3 business days. If you have any questions please call us at XXXX. Account opening ID : XXXX. '' Having heard no concerns after 3 days, we withdrew the money from our credit union and mailed it to Synchrony ( so it was a bank check, not a personal check ). Since that time, they have n't opened the account and wo n't give us a straight answer as to why or what they need to resolve the problem. I 've tried to escalate to a member of management, but they do everything possible to not escalate. They are very resistant and will only give in after the customer gets angry. When I finally got the call escalated to XXXX, I thought maybe I was getting somewhere. But then she did n't return my call either and was careful not to provide her full name or phone number. 

They are also abusing the process by keeping our check and not returning it so that we can go to a different Bank that really wants our business. We 've lost nearly a month 's interest, not to mention the time for all of these calls and now this complaint just to try to get our money back. 

Last week, I left XXXX yet another voice mail sharing my expectation that the funds were back in my hands by the end of the week. I received neither a response nor the check. When I called today, they insisted that I explain the whole thing over again. I had to again get angry to get the call escalated, but then XXXX response was more excuses and to blame me for not calling the right area of the bank. 

This is probably the worst service I 've ever received from a bank. Please help me get my money back from Synchony and stop them from abusing other customers this way!
Equifax discovered a massive security breach of confidential information including but not limited to social security numbers and names of their consumers. In addition to this lapse in security of important information they did not see fit to notify the affected parties until over 2 months after the fact. 

They have made no sincere attempts that are visible to the consumer to correct this error and have instead sought to intimidate the consumers for their own mistake by adding an unenforceable arbitration clause to the complimentary credit monitoring service they are offering to affected users.
Bank of America broke the rules. 

When Bank of America failed to resolve all pending escalation cases, in fact and actuality, prior to sale the bank, the servicer, and the trustee intentionally ignored applicable and relevant law directing all escalated cases be resolved before beginning or continuing with foreclosure processes including, but not limited to, recoding foreclosure documents and the sale of real property. Just to be clear, appeals and CFPB complaints are defined as escalated cases, and there were many escaped cases pending on and before the sale date of XX/XX/XXXX. 

When Bank of America responds to escalated cases using their previous responses to prior escalated cases as enclosures and exhibits, they are not resolving the matter, offering proof, or supporting their position or facts related to the expressed concerns which may have been created by the issuance of prior correspondence in the first place. Such responses and offered resolutions ( if they may be referred to as such ) only provide documentation of a lack of knowledge of the applicable rules of law governing loss mitigation processes and escalated cases. For example, when Bank of America represents to me there have been responses provided on all appeals requested without providing the corresponding Appeal Report, and representing receipt of multiple requests for mortgage assistance ( RMAs ) without providing the complete RMA application packages, Bank of America is not providing exhibits or supporting documentation, but are merely asserting their belief the matter has been responded to and, in their opinion, resolved. Just to be clear, concerns put forth in escalated cases are not resolved until the bank, the servicer, or the trustee prove up by offering up the actual documentation in the form of the documents referenced or the documents created as a result of the referenced documents. This has not been done to date in this instance. 

While Bank of America has responded to escalated cases related to this account and real property, Bank of America has not resolved them. By failing to comply with all applicable rules of law prior to the sale of my home and property, Bank of America has made the choice to intentionally defraud me of my home and property and any bona fide purchaser ( BFP ) of the same. Even if Bank of America did and does not realize the impact of their transgressions, harm, and injury resulting in loss and damages, the damage has been done all the same. Just to be clear, Bank of America may undo most of the damages resulting from their premature start of the foreclosure process in this instance as it is not too late to reverse the documents recorded on and after XX/XX/XXXX related to this account and real property by causing the recording of Rescissions of those documents. 

All previously mentioned resolutions are desired and mandatory as stated within prior CFPB complaints.
I have contacted Equifax dating back to the end of XXXX. Disputing the multitude of discrepancies on my credit report. I HAVE contacted each entity that has fraudulently ran my credit and they were unable to verify any history of me consenting to such. I hold NO card, mortgage, nor debt with these entities and this run around with Equifax has become tiresome and a blatant violation of the FCRA. I have called multiple times a day seeking retribution only to be met with a complete disillusion on their end as to how the reporting process works. The bureau plays oblivious to the wrong doing and the agency who falsely ran my information in turn tells me to contact the bureau for the correction. The back and forth is asinine. I have already had to dispute my own identity with the INCORRECT birth-date and misspelling of my name and yet me telling you I did not authorize the inquiries is baffling. You do n't have the basic information entered properly! I did NOT consent to the inquiries on my account and an immediate resolution of DELETING these inquiries needs to be met. See below for the inquiries I did NOT consent to ; Inquiry : XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX ; XX/XX/XXXX & XX/XX/XXXX Inquiry : XXXX XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX XXXX : XX/XX/XXXX Inquiry : XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX XX/XX/XXXX
I have tried many times to come to a suitable arrangement with the company and what I can afford. I have multiple emails with them threatening me with fraud charges and them saying this is the best offer you 're going to get. They have also called me multiple times at work after me advising them not to do so because I could lose my job. I had to choose between repairing my car and having a place to live and they would not work with me at all.
In reference to complaint XXXX ; DCI contents an initial balance letter was mailed. 

THIS IS A REQUEST FOR THAT INITIAL LETTER. 

THIS IS NOT A DUPLICATE. 

THE INITIAL LETTER HAS NOT BEEN SENT IN ANY RESPONSE. 

SEND INITIAL BALANCE LETTER AS INDICATED ON COMPLAINT XXXX.
Budget Control svcs Derogatory marks from unknown sources Inaccurate information added to my credit report with out my knowledge Dispute charges for unknown collection
XXXX   XXXX   XXXX  was disputed on  XX/XX/XXXX  with   XXXX   XXXX   XXXX  . Chex Systems has been disputed on  XX/XX/XXXX      My daughter had a student account attached to my accounts with  XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When  XXXX  found the check to be fraudulent  XXXX  shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with   XXXX   and no luck. Attempted to resolve with   XXXX   XXXX   XXXX  , Chex systems, and no luck.       XXXX   Today I have found that I can not open any accounts and have found myself without banking for businesses.  XXXX   XXXX  and  XXXX . I am not able to write checks to employees or conduct business.     I am desperate to talk with someone to help the situation as we will be going to collect federal assistance if I can not cash the checks.     Please help.
The company XXXX XXXX XXXX is trying to charge me through ERC collection for something that never existed. I already called ERC and explained the situation and they told me I had to talk to XXXX XXXX XXXX. There has been multiple times collection companies have tried to make this charge. It is about the XXXX time I make a complain about a collection company. I just put a complain against XXXX XXXX XXXX at FCC. I want this collection to be stopped at ERC. I dont want it to damage my credit.
I have a XXXX year mortgage with a great interest rate from Caliber Home Loans that I obtained in XXXX. I have paid the mortgage consistently since I received it. My payment was approximately {$1700.00}. I typically paid that amount. In XXXX XXXX, I paid {$1800.00}. On about XXXX XXXX, XXXX, Caliber Home Loan sent me a statement alleging that I had a negative escrow balance. The new statement would increase my monthly payments by {$600.00} effective XXXX XXXX, XXXX. This would increase my payment from to {$1700.00} to {$2400.00}. I paid {$1800.00} on XXXX XXXX an additional {$600.00} payment in late XXXX. My mortgage payment includes taxes and insurance. In XXXX, I paid {$2400.00} for this new mortgage payment. I understand that taxes and insurance increase. However, my taxes and insurance only increased by less than {$20.00} in XXXX. I reached out a non-profit for helping home owners. They called Caliber and no one could explain how the new figure was calculated. Caliber corrected the month statement back to close to the original payment. The new payment I was told to pay was {$1800.00}. I paid and continued to pay this new amount. In XXXX XXXX, Caliber sent a new statement alleging that the escrow account had a negative balance and that effective XXXX XXXX, XXXX, my monthly payment would increase by {$500.00}. Again, I checked my taxes and insurance and my insurance increased by {$14.00}. Caliber has not explained to me why I have a negative escrow balance of {$4900.00}, when I have never missed a payment and my payment includes my taxes and insurance. I want Caliber to stop attempting to extort money out of an XXXX person.
My brother, XXXX XXXX went to Chase Bank at XXXX XXXX XXXX, XXXX, CT XXXX on XX/XX/XXXX to work with XXXX and XXXX, his " personal bankers '' to change a will or turst fund to include my son.When eh gave CHase bank my social security number, they told him it belonged to XXXX XXXX and that nothing further could transpire until they reach such person I called the Main # of the bank and it said all teers were bust and redirected me to their XXXX #, that operatory tired to transfer me to their fraud dept and I was on hold for 1 hour on cell phone # 1. I also tired calling both XXXX and XXXX and both promised that they would call me back asoon as s they completed businesss with their current customer. They never called me back and a dedicated phone I held open for them.The branch manager, XXXX XXXX also di not retrun my calls.My brother retruned to the bank to learn that this XXXX XXXX had a closed account with chase with my SSN and that she lived in XXXX, CT-I live in XXXX Ct and opened a case with the XXXX police case # XX/XX/XXXXthe police have access to a database and they could see that XXXX 's ssn was 1digit different than, So I finally Chase Bank fraud detection dept and they told me that they simply can not help me over the phone.CHASE Bank is nto taking ownership for their error and not resolve this fraud that my brother detected and they seem to be insulating themselves avoiding consumer calls and complaints form this .They are irresponsible and horrendous customer serviceI thibnk they are trying to sweep it under the rug,
Today in the mail I received a letter from H & S Financial Inc. located at XXXX XXXX XXXX XXXX, TX XXXX. The letter stated I owed them {$8000.00}. They are claiming they had a judgement against me for the amount of {$8000.00}. I have never occurred such a debt. In fact, I went through six years of credit reports and it 's spotless with the exception of XXXX XXXX late payments, which were accidental. 

At no time was I served papers for a lawsuit. I never had a chance to appear in court. I never received any official court documentation. They did a hard credit pull without my permission. If there is a rule H & S Financial Inc. broke it. 

I am not paying the debt as it is not mine. I am filing a complaint with the FTC as well and will be sending certified letters to both H & S Financial Inc and the FTC stating the above with a request to do not contact me regarding this fraudulent attempt to collect a debt that is not mine.
Ally Bank did not follow their published commitment of processing a domestic wire transfer request received by XXXX XXXX that same business day. Instead it took 3 business days and multiple phone calls to Ally Bank in order to process the request. 
To compound the issue, Ally Bank never proactively contacted me that there was an issue, it was only through repeated calling that I found out things were blocked waiting on some new verification action.
I send equifax several letters requesting they make justifiable corrections or removals of unverified or invalid allegations of account information to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine do to future enhance your adequate and mandated compliance to proper and fair reporting. After reviewing my credit report I found a number of items on the report inaccurate and they have failed to correct it. I send about several letters the last one was send certified tracking number XXXX. They have failed to send me copies of the documents that they have in their file as of this date that was used to verify the accuracy of the following late payment that is currently being reported on my credit report with the XXXX. As well as XXXX collection accounts that has remained non compliant as well as unverified. XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX Also Reporting inaccurate addresses that I currently DO NOT reside at in which I called several months ago requesting for them to remove from my credit report in which they are still reporting the following that needs to be removed XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.