WillisBack/dataset-financial-user-claim huggingface dataset:
Hello. On XXXX XXXX 2016, I opened XXXX checking and savings accounts with regions bank. I made a mobile check deposit and waited for the funds to be available, so after a few days I went to transfer money from that account to another bank in my home town and when I submitted all the information I.e. Routing, account etc. I was informed that they had to verify so ok no problem but when everything was verified and I tried to transfer all of a sudden my account was locked out so I called the bank and they informed me that I had to sign some verification forms as if my electronic signature was n't enough. So I travelled XXXX mile missing time at work to come home and take care of this. So when all this was taken care a few days later I tried to transfer money and also pay some credit card bill that I have accumulated due to not having access to my accounts and was told yet again that I needed to sign the same papers again. Got I. Touch with bank manager and he resubmitted the forms so days later it was ok until I tried to pay bill or transfer money again. XXXX of my credit cards actually went through for payment but the others according to credit company the money for payment was given then taken back. Now they say my account are locked out due to fraud which there is none and no one can answer my questions about what fraud has occurred. Spoke to the regions XXXX number and they said I had to get the bank manager to talk to tech support about my account to unlock it but yet again it is still locked. When I tried to close the account I was denied stating that I had to be physically at the branch to close my account. Well I did n't have to be there to open XXXX up and do n't have to be there to make changes or to ask about my account when I call online services. Now my bills are behind, When I asked what will they do about getting my credit fixed on all late payments due to there fouled system and I was told that they ca n't do anything. For all those that read this. STAY AWAY FROM REGIONS BANK. I can only assume there saying that my account is locked due to the fact they really did n't have any money to pay the recent judgement they received and are taken customers money to pay for it and telling them that there accounts are locked out because of fraud. Well I guess that 's partly true except there the ones that 's probably committing it.
XX/XX/XXXX, I began to work with Home Depot ( store # XXXX ) on a bathroom renovation project, in large part because they offer 24 months of interest-free financing for such projects. In XXXX XXXX, once the estimate for the work was obtained ( approx {$25000.00} ), Home Depot/Citibank, N.A. extended me a credit line of {$26000.00}, with 24 months ' interest-free financing. XX/XX/XXXX, I noticed on my monthly billing statements that Citibank had, in fact, been charging me interest and so while I had been paying {$1000.00} per month ( more than the minimum payment due each month ), my balance had not been reduced much from the original {$25000.00}. I called customer service on XXXX XXXX, XXXX to inquire and they advised that they had never received the information about the promotional rate from the store ; after a long hold during which they researched, they advised that they would reverse the interest charges within a couple of billing cycles. As of XXXX XXXX, XXXX, it has not been reversed, so I again called customer service and was told that the reversal was put in a " referral queue '' where it has sat for two months. The representative was not able to help at that time, given that the resolution is in the queue. She referred the matter to a " partner specialist '' and advised that it should be resolved soon. I 've been charged approximately {$5800.00} in unwarranted interest which I suspect is affecting my credit score.
On XX/XX/2018, I received a call from XXXX XXXX of XXXX XXXX XXXX, XXXX, XXXX, debt collectors. My case number is # XXXX. She was calling about a XXXX XXXX on which I owed a balance of around {$7000.00}. She agreed to settle the case for {$4300.00}. I paid it and Ms. XXXX sent me a document releasing me from any further responsibility for the debt. 
This morning, I received a phone call from Mr. XXXX of XXXX XXXX XXXX, XXXX ( caller ID ), who gave me a call back number of XXXX, case no : XXXX, amount owed : {$7000.00}. Mr. XXXX said they had sent several letters to an old address to warn me that his law firm, who had power of attorney over the debt, was taking me to court and that I could pay upwards $ XXXX for the outstanding debt. I informed Mr. XXXX that I had already paid that debt. He began to yell at me telling me I paid the wrong people and that I should cancel that check and now deal with XXXX XXXX XXXX. He continued to tell me that no one else had power of attorney over the case, and I was going to see them in court. 

I called Ms. XXXX of XXXX XXXX XXXX. She said these debts go out en mass and sometimes there is overlap among other debt collectors. She asked me for Mr. XXXX information and said she would get her supervisor to give them a call. She also told me that I should not answer their calls anymore. 

I have had to pay a couple of other debt collectors, but there is no real way to check to see if these people are legitimate. They call you up, ask for you by name and then when you acknowledge that you are the person they are calling, they begin to ask you to verify sensitive information about yourself, social security, address, etc. Then you are expected to pay them the sums over the phone. There is no listing on XXXX for XXXX XXXX XXXX or XXXX XXXX XXXX, debt collectors. They say they've been mailing you information. They have not. I ask them to send the notice to my email. They refuse. They all feel like scam artists. Yet they tell me that what they are doing is covered under the law. 

I have proof I paid XXXX XXXX XXXX. I spoke with Ms. XXXX today to verify that the case has been settled through XXXX XXXX XXXX. But, I have no idea if these people at XXXX XXXX XXXX have any legitimate claim and I don't know if they are going to try to pursue this any further. It makes for a very stressful feeling. You are already stressed because you owe the debt. You finally are able to pay it and then these debt collectors begin to bandy it about, lie, harass and be argumentative, threatening you with court. And there is nothing you can do about it.
Nationwide Recovery Services offered to remove XXXX accounts from my credit reports ( all XXXX ) if I paid the amount due. I paid the accounts and they have not removed the collection accounts from my credit reports as they promised.
I had a 15 yr boat loan with Bank of America. In 2002 I had work issues and fell behind. The bank offered to grant me a 2 month extension so that I could get caught up. Some years I was offered the same 2 month extension since I had once again fallen behind. The loan has now matured, payments were on time and even extra was applied but they tell me that I owe the interest on the extensions. So the extension in 2002 I still owe the interest, which has been accumulating for the last 13+ years. My statements never reflected this in the amount shown due for the month. I even paid extra and the next month the amount due would be less than the original payment. Bank of America offers these extensions but never tells the customer that they will be liable until the 2 months are paid back. They just tell the customer that they will be put on the end of the loan. So at a little bit over a dollar a day in interest, they want me to pay them immediately {$4500.00}. I told the bank today that if the statement would have showed the accumulating interest I would have paid it off many years ago. This is such a shady way to do business.
I have continuously asked them not to contact me at my employers phone number but receive numerous phone calls a day from various phone numbers at my work phone. When asked for their phone number and mailing address the caller refused to give that information until I would give my personal information to her.
In XX/XX/XXXX, XXXX from The Student Loan Relief Department in XXXX, XXXX, CA XXXX signed me up to have my student loans lowered and then forgiven in 10 years. They would have purchased my loan from my loan company and I would have paid XXXX for the transaction with XXXX at he same address, but from Mahattan Beach Venture, LLC. I called to cancelled and they 're refusing to answer and return my calls.
On  XX/XX/XXXX  I have contacted  GM Financial to ask th em to remove the reporting of a vehicle that was repossessed and charged off in  XX/XX/XXXX . They are still reporting this vehicle as open and being late. It is showing up on my credit report that it has been late, has a past due amount and that I am being late on these payments each month. It is my understanding that  a 7 yr c lock starts on the last payment you made and no one is allowed to " re-age '' the item to start the clock over. GM is still reporting that this charged off account has a balance and is still being reported as late even though the charge off was 11 years ago. I have done a dispute with the credit bureaus, but they state that their is nothing that they can do to help me. I am trying to buy a home and this is negatively impacting my credit. I do n't understand how long this company can keep reporting this negatively on my credit report for this long. It looks like this just happened and I am currently late on these payments. This vehicle was repossessed due to the death of my death daughter and having to bury her and then losing my job 3 days later. I was not able to make the payments and could not catch up with the payments due to the unforeseen circumstances.
I am a long time Citibank cardholder and my credit history can confirm that I pay on-time and in full every month. Twice I have experienced what I consider unethical practices when enrolling in or making changes to auto-pay. The company has resolved my problem but I am concerned that they are taking unfair advantage of other customers and I think they need to amend their practice. What happens in that you enroll in auto pay and you get a letter confirming that you are enrolled but when the next due date rolls around, no deduction is made and Citi charges you a late fee and interest. When this initially happened they said " didn't the representative tell you? '' but the answer was no. They refunded the charges but it took a second call the next month. Then on XX/XX/XXXX I called to change banks. Warily I asked the representative if the charges due on XX/XX/XXXX would be withdrawn or skipped and she assured me that I had placed the request in plenty of time. She also agreed to push back the payment date to the XXXX  of the month. I called a second time on XX/XX/XXXX and the representative told me that the listed bank was the new one. So on XX/XX/XXXX with no deduction from my bank account I called and discovered that the withdrawals and date change wouldn't start until XX/XX/XXXX. The rep was very nice and apologized and reversed the late charge and interest, but I was furious with Citi that I had been duped twice. I see no reason that the autopay can not take effect within 15 days and if it can't be, then every representative must be obligated to state that fact very clearly and a letter should be sent to that effect.
To whom it may concern : On XXXX XXXX XXXX I was served with divorce papers from my wife of XXXX years. By the end of the month I was forced to move out of the house at XXXX XXXX XXXX XXXX XXXX , TX XXXX. Although I did not live in the home, I continued to pay the mortgage to Chase Mortgage on-time every month. I paid the monthly mortgage, faithfully and on-time since we moved in on XXXX XXXX, XXXX. 
My divorce trial commenced on XXXX XXXX XXXX. On the day, it was apparent the judge was going to award her the home at XXXX XXXX XXXX XXXX XXXX , TX XXXX. Without regard to whether my ex-wife, XXXX XXXX, could qualify to assume the mortgage and continue mortgage payments, the judge XXXX XXXX, awarded her the house. The final divorce decree was signed on XXXX XXXX, XXXX. I also signed and executed a Special Warranty Deed of Trust stating that she was to pay the note. 
XXXX failed to pay the mortgage on time. Instead, only after threats of foreclosure, she made random payments prior to completing the sale of the home. Her lack of responsibility in paying the mortgage on time has resulted in Chase reporting late payments on my credit history to the XXXX credit bureaus. Thus, severely damaging my credit score. When I spoke with Chase Mortgage several times by phone there was no consideration given by Chase to the fact that I was a responsible, loyal customer for several years and always paid my mortgage on time. Chase refused to amend their reports of late payment and refuse help me improve my credit. 
XXXX subsequently sold the house on XXXX XXXX, XXXX. I have also provided a record of the payment history over the last year of the loan. As you will see, the payments where up-to-date until XXXX after XXXX had taken lawful possession of the house and responsibility of the note. 
In addition to this letter, I have attached the pages in the divorce decree that pertain to XXXX being awarded the house and her responsibility to pay the mortgage, the Special Warranty Deed of Trust that also explains that XXXX is responsible for the mortgage payments and the record of all payments made in XXXX demonstrating that I paid the mortgage on time up to the date that she was awarded the house and supposed to make payments. 
I ask that you may assist me in getting Chase to amend their late payment reporting to the credit bureaus and help me to recover my strong credit that was severely damaged through no fault of my own. 
Sincerely yours, XXXX XXXX XXXX XXXX.
Capital One isn't honoring a Money Market 360 promotion as it was advertised. Per the terms, I deposited at least {$50000.00} within the stipulated timeframe, but they refuse to deposit the promotion money citing a rule that isn't written anywhere.
Settlement with Wells Fargo on X/XX/16 - we were required to provide funds to complete the required XXXX repairs and cost to purchase the above property. Wells Fargo applied the unused fund to pay down the loan. We believe that ( {$1000.00} unused ) money should be refunded to us since it was not part of the loan amount. We contacted Wells Fargo numerous times in writing and through many phone conversations. When we were not able to resolve the dispute with Wells Fargo, we contacted U.S. Department of Housing and Urban Development in writing who in turn directed us to contact your department. Hopefully, someone there will be able to help us resolve this dispute.
I have a XXXX student loan. In the process of forbearance and being sold now 3 times somehow it is charging me twice for the same loan. I have sent in my original loan. I have sent in proof of this and get no where with these people. This has caused me not to be able to buy a home the last 4 years. I have sent in multiple complaints to the companies and the different bureaus. The loan then gets moved to someone else. I am so upset with this.
I WAS APPROVED FOR A BBVA XXXX XXXX CARD IN THE MONTH OF XXXX 2015. I USED THE CARD XXXX TIMES AND PAID THE CARD OFF TO XXXX. I WAS LATER SENT BALANCE TRANSFER CHECKS IN THE MAIL IF I WANTED TO TRANSFER OTHER HIGH RATES INTEREST CREDIT CARDS TO MY BBVA XXXX XXXX. ON THURSDAY XXXX XXXX, PROX XXXX I CALLED BBVA XXXX XXXX CUSTOMER SERVICE TO CLARIFY HOW TO USE THE BALANCE TRANSFER CHECKS. THEY TOLD ME IF I WANTED TO PROCESS THROUGH CUSTOMER SERVICE THAT IT WOULD TAKE XXXX WEEKS. THE INSTRUCTED ME TO TAKE THE CHECK AND DEPOSIT IT TO MY CHECKING ACCOUNT AND ONCE DEPOSITED THAT I COULD WRITE CHECK FROM MY ACCOUNT TO PAY BALANCES OFF. AROUND XXXX I TOOK THE CHECK TO MY LOCAL XXXX CA BRANCH. THE BRANCH TOLD ME THAT THE WOULD HAVE TO CONTACT THE CREDIT CARD DEPARTMENT TO GET APPROVAL AND AUTHORIZATION FOR THE CHECK. I WROTE THE CHECK OUT FOR {$4000.00}. AFTER XXXX MINUTES IN THE TELLER LINE SHE CAME BACK AND SAID EVERYTHING WAS APPROVED AND THAT THE MONEY WAS AVAILABLE IN MY CHECKING ACCOUNT. THE CHARGE WAS SHOWING ON MY CREDIT ACCOUNT FOR {$4000.00}. ON MONDAY XXXX XXXX I GET NOTIFICATION THAT THE CHECK THAT WAS APPROVED FOR THE BLANCE TRANSFERRED HAS NOW BEEN RETURNED TO MY CHECKING ACCOUNT CAUSING IT TO REFLECT {$3600.00} OVERDRAWN.
Due to a loss of my job and other financial issues my mortgage company at the time XXXX began the foreclosure process on me. On XXXX XXXX XXXX I spoke with XXXX at XXXX XXXX in the Loss Mitigation dept. she said we could do a trial payment for 3 months, then it will be reviewed for a loan mod. On XXXX/XXXX/XXXX I spoke with XXXX at XXXX, she said our loan modification was denied and for us not to make anymore payments. 
In XXXX of XXXX we discovered we might have a sinkhole on our property and filed a claim with our XXXX XXXX XXXX XXXX. They did a survey of our property with special X-ray machines and stated we did n't have a sinkhole, our attorney hired a specialist who had a lot of questions about their reports. After a lengthy process we finally settled out of court in XXXX of XXXX and received a settlement check for {$160000.00} Our attorney XXXX XXXX advised us to not sign the check and send it into XXXX without having some type of signed written agreement on how it would be split up, he had a previous client with the same issue that we had and XXXX took the check and paid off his mortgage and did not leave the client enough money to repair the house. 
. Our new attorney XXXX XXXX was hired and he contacted XXXX to try to get an agreement on how to handle the division of the check ( he had to file an XXXX XXXX ), so that we could avoid racking up late fees on our mortgage etc. We had numerous hearings with the Honorable Judge XXXX XXXX, he would ask XXXX/SPS ( at some point XXXX sold or transferred our mortgage to SPS ). to bring someone to the hearing with the authority to make a decision on this and they never would, ( this happened quite a few times.So the case kept getting postponed meanwhile our late fees and interest kept adding up. 
Finally we agreed on the division of the check in XXXX XXXX ( see attached court documents ). We finally got the house fixed and moved back in on XXXX of XXXX. The problem with this is we had to come up with {$13000.00} of our own money to cover our expense when we moved out of the house for repairs. Per the joint stipulation agreement we were to be out of the house for 3 months and it would be finished and we would move back in. The delay by XXXX / SPS in getting the check to the XXXX caused the delays that cost us the $ XXXXXXXXOn XXXX/XXXX/XXXX we hired a new attorney XXXX out of XXXX Florida . 

In late XXXX XXXX I received a letter from SPS dated XXXX/XXXX/XXXX that we have been approved for a HAMP Tier 1 Trial Modification, the problem is they have made several errors in there calculations of what my home is worth and my income. 

XXXX/SPS has repeatedly disregarded what the judge in our case ordered and was never held accountable to this.
I have bank of america credit card. I applied for their checking account using the promotion. Provided all the information ( in fact i had the customer profile already been there due to my credit card ) and thus all the information was pulled in. 

But they refused to open my account without any specific reason. Similar set of events happened almost 1-2 years back. It seems Bank of America has flagged my social security number and they didn't provided any specific reason why did so at that time also. 

This is absolutely ridiculous. They are outsourcing the jobs and not letting the US Citizens to open the account - strictest action should be taken against these kind of corporations who recently got their corporate tax being cut down from 35 % to almost 20 %. Neither they are hiring american nor they are buying Americans.
On XX/XX/19 I received four calls from XXXX from XXXX. I called back and requested them to quit spam calling my phone. On XX/XX/19 I received eight calls from XXXX at XXXX. My phone is set to do not disturb since I work overnights.
Briefly-2 issues 1 When we bought our house in XXXX Countrywide gave us a bait and switch that we fell for - they split the loan in two, the smaller portion was an interest only balloon loan- Bank of America took over our loan when Countrywde failed - this smaller portion of our mortgage has been coded by BoA as an equity loan - it was never an equity loan - but b/c of that designation as an equity loan they repeatedly rejected our eligibility for a modification - even though we were approved for a mod for the bigger loan following the great recession of XXXX when we lost our jobs XXXX It took BoA 5 and a half years to conclude that the only solution they will offer us is a capitalization program at 10 % which includes all back interest and fees that built up while our application was being delayed. Delayed for months and now years due to their negligence. For example, we received documents from BoA with erroneous information that must have been from someone else 's account. 

Since this 2nd mortgage was purchased at the same time as the 1st mortgage we desire that it be modified exactly the same as the 1st. We requested this at the very beginning but they told us to wait
i lost my home to a house fire so the address that they served to was a complte loss this bill should be covered under soonercare contacted the attorney about a subpena dated XX/XX/XXXX that i recieved in XXXX of XX/XX/XXXX called the hospital saw the error they told me it would be fixed and saturday XXXX XXXX i recieved a statement saying they rendered a judgement but i was never iven the oppertunity of a court date further more the hospital saw the error and said it would be fixed but this XXXX said dhe cared nothering about the home burning that all she cares is that i was served in XXXX XX/XX/XXXX and they were going to garnish wages and sue me for a bill that should be covered instead of garnish the wages i should have been allowed to show proof of covereage then she threatened i will pay attorney fees as well as not be compensated for funds fradulently withdrawn from my payroll sooner care will pay the bill so i dont understand why i have to be sued or at east not given oppertunity to go for soonercare myself
On XX/XX/XXXX I borrowed from Big Picture Loans the sum of {$800.00}. The first payment of {$220.00} was withdrawn from my account on XX/XX/XXXX with same amount of {$220.00} having with drawn on the subsequent dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all totally {$880.00}. Instead of applying my payments to both the principle and the interest, I was horrified to learn that Big Picture Loans applied the {$880.00} to the interest only.

On XX/XX/XXXX I went to my bank and revoked Big Picture Loans ACH Authorization. I also, emailed a letter to Big Picture Loans informing the that their ACH Authorization has been revoked. To which their response was that I still owed them {$4700.00} on an {$800.00} loan. When I applied for the loan, I was told that if I paid the loan back early that the {$5000.00} plus payment would not apply. I paid the money I borrowed plus {$80.00} back in 2 1/2 months.

Big Picture Loans is claiming Tribal Sovereignty as an excuse to con their customers into paying ridiculous amounts in interest payments.
I sent a goodwill letter to XXXX disputing an amount of {$4400.00} and they are charging 34 % interest rate. I have attached a letter sent to them on XX/XX/18 which they have not responded to.