WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX 2015 I applied for a checking account with Citibank online. Not sure if I did it right so I applied again on the phone and again on the XXXX online. On XXXX XXXX 2015 I received several letters from Citibank. XXXX of which contained a bank card in each. Great I had the account. I went to a Citibank Atm and deposited {$20.00} which is still in the account at the time this complaint is being filed. I tried to use my bank card and it was declined twice. Once I got home I called customer service who told me there was a restriction on the account and I needed to call new account services. I was also informed that I had XXXX accounts. I told them I only wanted XXXX and gave them the account number of the one in which to keep, the one with the {$20.00}. So just to be exact I am writing this complaint pertaining to the account ending in XXXX. On Monday, XXXX XXXX 2015, I called new account services where I was informed that I needed to send in proof of address. I was told that a cell phone bill would do and I promptly sent a copy of my phone bill to them. I faxed it to the number ( XXXX ) I received from the agent. I called the next day which was XXXX XXXX 2015 to verify that new account services received my fax, they did. Later that day I received a call from a number I did not recognize, XXXX. The gentleman on the line explained that he was calling on behalf of Citibank and he was the XXXX reviewing my proof of address I sent in and he thought to check with me because my XXXX bill had an apartment number and I did not put one on my bank application. I explained to him that it did not matter because I stayed in a hotel and all mail came through the front desk, so I would get it as long as it came to this address, the same one that I gave them on my XXXX bill as my proof of address. He asked if this address is permanent, I assured him it was. He then explained to me that he would have to talk to his supervisor as they usually do n't give accounts to people in hotels. He said he would call me back after he spoke with his supervisor, either later that day or the next. The next day I waited, I did not receive a call so I called new account services. They explained to me that the account was denied by XXXX and I will be receiving a letter soon. I feel as though I have been a victim of discrimination again. Where I live should not play a part in whether I get an account. I gave all my documents as asked of me. I already had the account, they sent me a card, so the only reason for them declining or closing my newly opened account has to do with the address where I live. I am not sure of the reason they put in the letter or the reason they will give your organization but I feel that it should be known that I have the card and even placed money in the account. The reason for them closing the account has to do with the fact that my address where I am a permanent resident is a hotel. I do n't think that people who live in hotels, or shelters, or any residence that Citibank does not agree with should be a reason that a person is denied an account.
The due date on my credit card payment falls on XXXX XXXX, 2016, Sunday. Since it was a Sunday, I paid it on XXXX XXXX, 2016, Monday. That same day, XXXX XXXX, 2016 the credit card company charge me for {$25.00} late fee.
NationStar Mortgage located in XXXX TX has been calling and writing letters harassing us about our Mortgage payments. Our original mortgage company was acquired by NationStar and XXXX located in XXXX XXXX sent a payment to them. NationStar is now requesting our bank statements. We have confirmed with both parties via telephone that all payments have been made. Nationstar continues to call us daily looking for more money. they are not providing any invoices for monthly payments. The call center is located in the XXXX and every time i request to speak to a manager they seem to be in an emergency meeting. This is looking more and more like mortgage fraud, our credit is being ruined. They are requesting bank statements and still not fixing the issue.
I became the victim of identity theft on Sunday,XX/XX/XXXX. I discovered this on Friday, XX/XX/XXXX. I have been working since then to correct this fraud and ensure that my credit reports from XXXX, XXXX, and Experian are corrected. While XXXX and XXXX  gave me no problems in providing a free, digital copy of my credit report, Experian has been consistent in refusing to provide a free, digital copy of my credit report to me. I have now spoken to three phone representatives and two managers/supervisors about the issue, and it has not been resolved. I agreed today ( XX/XX/XXXX ) to have my credit report mailed on paper and will have to wait 7 - 10 business days to receive this. I feel as though every day out from when the Identity Theft occurred on XX/XX/XXXX is an opportunity for mistakes on my credit report to be " set in stone '' and harder to remove. I am highly disappointed in how Experian has handled this situation, and wanted to report it to your agency in order to this to not happen to someone else.
It looks like they are saying I owe a bill from XXXX XXXX of XXXX from XX/XX/XXXX. Ive contacted the company multiple times and they dont have anything in the system about/for me. Its basically showing me as non existent. I asked SCA Collections to verify the debt, but they couldnt & mailed something on XX/XX/XXXX thats totally in violation with the HIPPA law. Its a bill thats been reported wall 3 credit bureaus and having a negative impact on my credit for {$94.00}. I even offered to pay the debt without verification because of the damage its doing to my credit and SCA wont allow it! Im very disappointed in this unfortunate situation and really need help! Ive contacted the 3 credit bureaus of this situation via mail and Im currently waiting on a reply. I just want someone to actually listen and help with this situation.
I closed a HELOC with US Bank on XXXX XXXX, XXXX. Prior to the closing, I requested an initial draw of {$27000.00}. Prior to the closing I was advised that the funds would be sent to me after the rescission period expired. At the closing, the mobile notary had as part of the closing package a form from US Bank confirming the loan disbursement request. 

On or about 10 days later, I called US Bank to inquire as to the status of the check and to express my concern over being charged interest on a disbursement that I had not received. I was advised to continue to wait as " the check was in the mail. '' On XXXX XXXX, XXXX, I again called the bank to inquire on the status of the check. Once again I was told to wait as the " the check was in the mail '' although I expressed concern over having received other documents from US Bank including a billing statement without having yet received the funds. I agreed to continue to wait. On XXXX XXXX, XXXX I once again called the bank. This time I was connected to a representative who told me that the issue needed to be investigated further and that she would follow up with me by email. On XXXX XXXX, XXXX I was advised that the funds were actually sent to the title company via wire and that I should get the funds from them. 

First, I feel deceived by the bank. During this entire time the bank has collected interest on a balance they claim I received. If the money was sent to the title company and I would have been properly advised of the same on my first call, then this could have been resolved with minimal interest charges.
I used an online money transfer service to pay for goods or services. I funded the transfer using my Capital One credit card. After several months I noticed that I was being charged a higher rate along with a separate interest charge each month. So I called the customer services department for clarification. I was told that I was being charged the extra fees for a cash advance. I told the rep that the info was incorrect and that I had never had a cash advance. They transferred me to a supervisor for better assistance. The supervisor told me that when I used the money transfer its considered a cash advance. I told her I never received any cash to me. At this time I was still trying to process the info and research to see if that information was correct. I started looking at my agreement with Capital One, and there explanation of fees. I could n't find anything that states that a online money transfer service is considered a cash advance. What I did find on there website that say 's understanding credit card terms. " A cash advance is not a regular credit card charge. A cash advance allows you to withdraw cash from an ATM, bank or by using checks given to you by the issuer for use when paying with your card is not an option. Be aware that while a cash advance may be useful in an emergency, it is usually expensive. You may be required to pay a transaction fee as well as finance charges. '' After further research online I found several sources such as money.XXXX and source : XXXX XXXX XXXX XXXX. They state the following ; " Fortunately, if you do use a credit card to apply funds to an online money transfer, credit card companies view it as a purchase, not a cash advance, because the money is not going to you. As far as the credit card company is concerned, you are purchasing a service. This is far more economically sound than using a credit card cash advance '' After finding several sources that explained this I quickly called back the supervisor and ask them to remove these charges. She declined with no explanation. I asked her to provide me where I can find on our agreement or on there website that justifies theses charges. She could not provide. I told her of my findings and explained that I purchased a service and that no cash was given to me. The supervisor told me that Capital One could do whatever they wanted and I could n't do anything about. I did n't have the means to fight with Capital One legally. I could n't believe what I was hearing. I 've never seen a company charge customers what ever they want and not have an agreement to back it up.
having less than perfect credit I accepted a auto loan from capital on auto finance in XXXX 2011. at the time I was making fairly decent wages and accepted the loan terms of 25.99 % interested on a {$34000.00} loan monthly payments of {$480.00} per month however into my third year prompt and timely payments there was a decline in my health I contacted Capital One and asked about refinancing my loan and was told that they did n't refinance their own loans. soon after I was forced to retire early due to health issues and had to apply for SSI and of course my income was less than half of what I was making when I was working. I call Capital One and informed them of my circumstances and was told by a representative that I can apply for the hardship program and to qualify all I had to do was miss two or three payments unfortunately I took his advice only to find out that I would not be able to qualify until I paid down on the loan so I struggled along trying to make the {$480.00} payments. after another year I applied 4 times for the hardship program and each time I was told that I did n't make enough money to qualify even with may Son 's contribution of {$750.00} per month. this has been very stressful and I am doing everything possible to pay this off and maintain my health. DESPRETLY NEED HELP!!!!!
I received a letter from what I assume is a debt collector trying to collect on a Paypal account that has a negative balance, personally I ca n't even understand how a Paypal account could have a negative balance, but more importantly I do n't have a Paypal account and I want this collection to cease and it better not appear on my credit report. I am as well submitting this complaint to the Iowa Attorney General 's Office. I have attached a copy of the letter that was sent to me.
I contacted XXXX, XXXX and XXXX in XXXX 2014 about random medical collection accounts on my credit report. XXXX, and XXXX deleted them. XXXX closed them and never deleted them. I went back to dispute the XXXX accounts with XXXX and they only took off XXXX of the accounts. XXXX of the accounts stayed. I contacted XXXX again due to the collection agency not answering any of my questions or returning my calls. I finally got a letter of so called proof. However they are typed up documents stating I saw XXXX ER physcians however XXXX different doctors yet they all have the same TAX ID. That ca n't be legal or ethical. The address on the so called proof of debt is n't even legit. It says the address belongs to XXXX ER physicians but it is to XXXX. They typed up proof of debt and ca n't send me legitimate proof of debt and that it is me the patient.
ClearSpring Loan Services provided a mortgage payoff statement showing {$68000.00} was due in order to complete a refinance of the mortgage and pay off the existing loan. The payoff was provided on XXXX/XXXX/XXXX and was good through XXXX/XXXX/XXXX. The refinance closed on XXXX/XXXX/XXXX and the full amount XXXX {$68000.00} XXXX was sent to ClearSpring Loan Services. A few weeks later they began calling me saying i still owed $ XXXX. However, they will not provide details as to what that $ XXXX relates to. They wont provide a detailed statement, but instead are requesting payment in order to prevent my account going to collections and negatively impacting my credit score. I just called them again today in return to another one of their calls and they are still unable to say what the $ XXXX due relates to. I have a copy of the payoff statement they provided and proof those funds were provided to ClearSprings. At this point i dont know what else to do.
My mortgage was sold XXXX to Caliber Home Loans after my bankruptcy. At that point I attempted to obtain a mortgage modification and this has been a year long process that has gotten me nowhere but further behind in my payments. No matter what documents I submit they ask for more. When they give me a list of needed documents, I submit them only to find out they need more. After my bankruptcy I began making my mortgage payments to keep the delinquency from growing and for XXXX months they accepted these payments and then all of a sudden they said they could not accept the payments anymore. Understandably the fines and fees continue to grow. On XXXX XXXX, 2015 I was told by their agent that if I came up with $ {$17000.00} and was willing to pay {$960.00} per month extra for XXXX year, we could settle the whole thing. I had to the end of the month to come up with the money. I called on XXXX XXXX, 2015 and all of the sudden the deal changed. They said they needed more money up front and could only finance the deficit for eight months. It seems as though they really do n't want to help me settle this.
Almost every day for the past month or so maybe almost 2 I have been receiving calls from Consumer Portfolio Services I know that its their job to get a hold of me but the first thing that they ask for is my SSN and I stated that I can not give it to them since I am in the center of my building that I ca n't say it out lound and I asked them to reach me on my mobile phone which they only tried once. Since then they call my work at least once a day if not twice. I just found out this morning that they some how got my Bosses home phone number. I have no idea how but at that point it seems like harassment to my boss and she has absolutely nothing to do with this debt collector or my loan.
I have been attempting to get hardship with this company since XXXX 2016 on my private loan. At the time, I had Chapter XXXX bankruptcy protection ; it was dismissed due to me being unable to make payments once I lost my job. Once I notified them of my unemployment situation, all of my Federal loans I had no problems getting unemployment/hardship approval. But not Navient, with the private loan. They in fact flat out refused to allow me to defer payments. On top of that, the only repayment option offered they would not provide terms in writing until I made 3 payments The payment amount advised is not something I can afford to do. One representative even said the government gives them the protection to do this and they pretty much owned me cause I 'm behind and my situation does n't matter. She then went on to say, I owed them they can do what they want. How are yo
u allowing this company 's private loan side do this to consumers? I 'm presently going through Chapter XXXX and in speaking with them ( cause they still continuously call ), they say it does n't matter. Why is the government allowing the private side to have the ability to be so unforgiving of people who prove they fallen on hard times? Why be so secretive with payment options and allow private student loan lenders to refuse to provide details/terms of agreement prior to entering into payment agreements? I have proven to the Federal government I 'm not financial able at this time to repay my loans ; and granted a year forbearance. Why are you allowing private student loan lenders to create different rules that they knowingly will result in a borrower defaulting? They should have to abide by the same terms and provide the same hardship options as the federal government, when it comes to student loans. Especially considering the bankruptcy courts do n't view the loan like a car or mortgage. Private student loans should either be forced to abide by the same rules as federal loans, when it comes to hardship repayment, or allow for borrowers to dismiss in bankruptcy like all other private lender debts.
XXXX XXXX of XXXX XXXX XXXX XXXX XXXX  refuses to correct and delete the inaccurate information. they show I owe COLLECTIONS {$730.00} total for months of XXXX throughXX/XX/XXXX for when a final order was signed by a judge to stop and deceased startingXX/XX/XXXX. I have submitted the final order on several occasions along with my attorney to state of XXXX XXXX XXXX XXXX, As ofXX/XX/XXXX they still show on my credit reports. I have know asked to have this account completely removed all 3 credit reporting agencies due to many times I have disputed this over 8 month period and they financial and emotional hardship I have due to fact this has denied me loans to pay off my attorney for a custody battle in Missouri state.
This debt was owed 5 years ago in which I paid my current rent moved from the property. The property has since went out of business and this company is still reporting my debt to the credit bureau I need this removed from all credit files
Purchased the home on XX/XX/XXXX. Bank of America issued a 1st and 2nd mortgage. The 2nd is not a revolving, interest only loan, it is an amortized term loan with a balloon payment due in 10 years. ( XX/XX/XXXX ) We have never missed a payment or even been late in either the 1st or 2nd mortgage. The home was appraised by Bank of America above market value and has never been valued at or above the purchase price. Since the home value is below the total loan amount we are unable to refinance and pay the balloon payment. We have applied for a loan modification - simply asking to continue to make loan payments. Bank of America has given a preliminary approval of a loan modification if we make three monthly payments that are about {$450.00} higher than our regular payment. They will not disclose the make up of these requested payments. They will not tell us how much will be applied to principal, how much is interest and if there are any fees. They are also refusing to disclose the terms of the loan if we accept the modification. They are pressuring us to accept the modification with out full disclosure. I repeat, we are not delinquent with this mortgage or the 1st mortgage so there is no late balance due.
I was solicited by NationStar Mortgage to possibly reduce my rate by refinancing my current mortgage with them. I responded to their offer and was contacted by XXXX XXXX from Nationstar Mortgage XXXX Greenlight Loans XXXX. A rate of 3.75 % and the fees of {$750.00} for the loan were quoted verbally. I agreed to the rate and the fees, answered personal questions and consented to having my credit rating verified. I started to assemble necessary documents and was then informed by XXXX XXXX that the fees were now {$950.00}. I have been subject to bait and switch tactics before and want to alert everyone to NationStar 's predatory practices.
Ive tried calling the company to find out why my balances have changed and Ive sending in my payments and they have been very rude and unprofessional with releasing info to me and they been doing thing to mess with my credit score
Our mortgage company continues to harass and threaten us despite the fact that we are current with our mortgage and hazard insurance payments. We have sent them several letters with proof of payment yet they continue to send monthly harassment letters. My Husband and I suffer from XXXX health problems and the stress from Citi Financial is becoming unbearable.
The problem is that there is an account that shows on my credit bureau for an account that was paid off by the hospital by charity care that I received at the emergency room. I have no idea how this account even went to collections status as it was paid off in full. I even sent a copy of the letter that I got from XXXX XXXX to show the creditor that the bill was paid in full by the hospital. This issue should have never went to this level as the account is showing negatively on my credit bureau despite sending the proof that I got from the hospital to certify that this issue should have been resolved before collections.
I logged in on my TD account on XX/XX/XXXX, because I was preparing to pay a bill. I noticed the funds are very low, and checked the history of the account. There was a checked made out in the amount of {$3100.00}. On the check, the name is wrong, the signature is wrong, and the funds was already drawn. I immediately called TD bank, after over an hour of wait, I finally get to speak with their fraud department, who informed me that the account needs to be closed, and there 'll be an investigation, with time window between 60 to 180 days. And the money may never come back. This is outrageous, since this is a clear case of fraud, and it's the bank 's fault that the fund were withdrawn. Please help to get this resolved as soon as possible, I rely on this account for bill payment.
I have asked them on 4 different occasions to investigate these items that their is NO CONTRACT FOR with my signature!

Experian has NOT made any LEGAL attempt to investigate the items on my credit report that I asked them to by law. They are suppose to use REASONABLE procedures to investigate the items in the time frame ALLOTED by law.