WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX - I went into Citibank to open a checking and savings account with the offer to Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and within 30 days deposit {$15000.00} into the savings or checking account and maintain this balance in the account for 60 days. 
XX/XX/XXXX - I set up my inter institution transfer to transfer {$15000.00} XX/XX/XXXX - recommended Citibank to a friend and friend successfully opened account using my referral number XX/XX/XXXX - Returned to CitiBank realizing I did not yet receive {$400.00} offer. Banker stated that it was because my checking account was closed and I did not have sufficient funds. However, I was not advised by first banker in XXXX regarding amount that had to remain in checking. I was only told that I needed to deposit {$15000.00} into my savings. Banker then stated she could help me open a new checking to get the offer. 
XX/XX/XXXX - Received email from Citibank stating " Thank you for choosing Citi for your banking needs, and for your enrollment in the Citibank {$400.00} Checking Offer ( " Checking Offer '' ). Unfortunately, we have determined you have not fulfilled the Offer 's required activities for the following reason : Your checking account is closed and therefore not eligible for the offer '' XX/XX/XXXX - Returned to CitiBank regarding complaints, and banker ( that helped open second account ) advised to file dispute. I requested to close account so I can transfer my money to another bank, but banker kept advising to file dispute and wait again. 
XX/XX/XXXX - Have not yet received any communication regarding status
On XXXX XXXX 2015, my debit card was charged for {$400.00} through my XXXX account which was compromised. I solved the problem with a XXXX way call with Bank of America and XXXX, and the money was reversed. However on XXXX XXXX 2015 I received an email from Bank of America telling me my account was once again overdrawn by {$400.00}. Then they tacked on a {$35.00} overdraft fee, and a {$35.00} return item fee even though there was no item returned and it had n't been long enough for an overdraft fee to occur. I talked to the bank and they tried to tell me that XXXX charged my account again for {$400.00}, but there are NO such charges on my XXXX account. I even talked to customer service through XXXX and they assured me that the account had been inactive since the previous issue. Bank of America decided to have me open a claim, and the following day they sent me an email letting me know I needed to fill out an online form within 5 days for the claim. I waited one day and when I went to fill the form out, they had closed the form and said the case was resolved. That my account had insufficient funds. Entirely ignoring the fact I told them my account has obviously been compromised. I tried closing my account and they wo n't let me until I pay the overdraft sum which is completely ludicrous. I know for a fact Bank of America made a mistake with my account, or fabricated this charge and then stacked extra charges on top of it in an attempt to steal money from me. I refuse to pay them for trying to con me. 
I 've since closed my XXXX account in an effort to protect myself, but Bank of America refuses to let me close my bank account. I 've been a customer for 15 years and I 've had problems with this bank from the start. I just want to put this behind me as it 's really stressing me out.
I have been trying to get my credit report from transunion and unable to ... ..I have numerous things in dispute and the investigation should be completed by now. I tried going online but was unable to do so as a message popped up I am unable to review my credit report. I called the toll free number and was told that my report is being handled in a different department ... .I was transferred again and to the same answering machine. I left a few messages requesting my report as I want to view it and no one returns my calls and I still have not received my report. I am XXXX and on public assistance as I understand I am entitled to updated reports for free. I am also submitting this complaint about transunion as I have an account that is reporting as 30 days late with a negative remark and showing 1 missed payment. This informaiton is incorrect and I have uploaded additional supporting documention from " mandee shops '' that this incorrect information will be corrected. I checked on XXXX and as of today it is still reporting with 1 late payment. Transunion still has not corrected this account yet XXXX did correct it finally after I submitted the letter that I received directly from mandee 's shops.
i built a modular home on XXXX, fl. in XXXX county. triad financial handled to loan. florida law changed XX/XX/XXXX to allow titling of modular homes if XXXX criteria are met. it must be modular AND on a mobile home lot. zoning for the lot i built on does NOT allow mobile homes. i informed triad that it can not be titled. they did so anyway and charged me for the fee. i visited the dmv office in XXXX county. they told me it should not have been titled but was at XXXX. they assured me they could get it fixed and issue real property designation. they called later to tell me they can not do so while triad has a lein on the property. triad could transfer the lein to the land but will not do so. the home has been declared permanent by XXXX county and the state of florida. i can not refinance without real property designations i should n't even need to aquire. the home is permanently affixed to the land. i have n't been able to find anyone else that will finance.
OCWEN loan servicing has not only mis-applied mortgage payments consistently, they are also holding XXXX in escrow funds. Their sub-contractor XXXX has also falsified inspection and appraisal reports regarding the mortgaged property. In addition they issued another XXXX in repair funds to a contractor who then mis-appropriated that funding against XXXX falsified inspection reports.
Wells Fargo online banking was hacked, unauthorized wire transfer for XXXX was initiated, {$30.00} transfer fee added, for a total of {$650.00} stolen
I am the cosigner on a loan with Nelnet. On XX/XX/17 the primary borrower made a payment to the account for the amount of {$560.00} and received confirmation from Nelnet that the payment was processed. Approximately 3 days later Nelnet informed the borrower that the payment did not go through and that he would need to re-submit, which he did. He again received a confirmation that the payment went through ( and this time showed me the confirmation, which included a confirmation number ). At the time he received the confirmation ( with the confirmation number ), the payment was still within the 90 day window before they would report a delinquency to credit agencies. 

Nelnet replied back to the borrow approximately 4-5 business days after the borrower submitted the payment letting him know that the payment was unable to be processed and that he would need to resubmit payment. What they did not communicate is that they also reported the payment as delinquent to reporting agencies, causing my credit score to plummet. What I feel is wrong about this is that the borrower was actively working with Nelnet to make the payment and received a confirmation number twice indicating the payment went through and yet they have now permanently damaged my credit score as a result. The issue is that they gave us an incomplete picture of the state of the payment ( nowhere in the confirmation image does it mention the payment is still pending and in fact it contains a button that says " print for your records '' which causes the user to think that the payment has completely gone through )
Mr. Cooper wrote me to move out of my house because they can not modify the loan modification I applied for in XX/XX/XXXX. They gave me many options to choose from which included Short Sale and I choose Short Sale. I hired a Real Estate Agent to contact Mr. Cooper to ask for approval for the Short Sale. Mr. Cooper approved the Short Sale and instructed my Real Estate Agent what to do. My Real Estate Agent did exactly what Mr. Cooper asked my Agent to do, including putting a Lock Box at the front door.. Then we gave Mr. Cooper an offer and it was rejected because Mr , Cooper said the offer was too small. In the letter Mr. Cooper wrote me, it said they will take any offer no matter how small. Also Mr Cooper asked me to move out of the house as soon as possible which I did. I moved out out of the house on XX/XX/XXXX. Before I  moved out of the house Mr. Cooper arranged with a firm to come to take the picture of the house. A representative from the firm came and took the picture of the inside of the house. On XX/XX/XXXX my Agent told me she got an email from somebody who said he has bought the house at the auction sale that was scheduled for XX/XX/XXXX and XX/XX/XXXX by Mr. Cooper Short Sale Department. Up till this time XX/XX/XXXX the house was in perfect conditions. I called Mr. Cooper Short Sale Department on XX/XX/XXXX to request for a relocation fee. I spoke to one Mr. XXXX of the department who told me that only my Real Estate Agent can do such a request, and not the home owner. I also told Mr XXXX that I have moved out of the house and M r. Cooper should speed up taken over the house. I also told Mr. XXXX that the house has been bought at the Auction Sale. He told me that he was not aware that someone has bought the house. On XX/XX/XXXX I got a call from the XXXX County Sheriff that he was at my house. The Sheriff told me the front door of the my house was opened when he got to the house and the house is badly damaged by water. He said that the sprinkler were on and the house was flooded and windows were damaged. My Agent has already arranged to call Mr. Cooper Short Sale Department on the XX/XX/XXXX to request for a relocation fee for me and then this happened. I smell a rat here. My suspicion is either Mr. Cooper has something to do with this or the the person who emailed my Agent that he has bought the house has something to do with it. This e-mail was unsolicited. I could be wrong. I have lived in this quiet affluent community for 12 years and this sort of thing has never happened all the 12 years I lived there. Also it happened just when I am handing over the house to Mr. Cooper. I don't know what is going on. I am confused. Please I need help.
I graduated from Iowa XXXX with a XXXX in XXXX XXXX in XX/XX/XXXX with a balance of {$60000.00} after the accrued interest during college had been capitalized. I set up my payment plan based on income online with XXXX XXXX ( Now Navient ). I made regular payments of {$140.00} on time for quite some time and noticed that the payment increased to {$330.00} in XX/XX/XXXX. At the time I attributed this increase to getting married and filing joint income. I continued to make on time payments and called several times during my divorce in XX/XX/XXXX which was finalized in XX/XX/XXXX. At the time I was very short for cash paying for a lawyer and getting a new place but I continued to make on time payments while making calls frequently trying to reduce payments. I believe during that time period that I was possibly changed to a new payment plan though the phone calls were very confusing. I have since continued to pay on time and again the amount never changed. Recently I did some deeper investigation and I believe I am a victim to the misleading payment plans similar to many others currently filing the class action law suite against Navient for such misleading behavior. From XX/XX/XXXX to XX/XX/XXXX and then from XX/XX/XXXX to current there was XXXX principal paid. 

As I stated, I graduated with a balance of {$60000.00} and I have since made on time payments totaling {$15000.00} and yet by some devious miracle my principal is now {$64000.00}! So I have paid nearly SIXTEEN THOUSAND DOLLARS only to owe over FOUR THOUSAND MORE THAN I DID IN XX/XX/XXXX! 

It also appears to me that the interest has been capitalized numerous times for unknown reasons to which I can not get a clear answer. 
Questions I need answered : - Under what circumstances does the interest capitalize? 
- Have they been switching me to new payment plans every time I call? 
- Has my 20 year clock for forgiveness reset possibly multiple times or will they honor the XX/XX/XXXX start date? 
- How can I possibly owe more than the original balance if their payment plans were honest and their support staff were truthful in their directions? 
- I am still trying to change my payment plan but I am afraid I will mess things up even more. I would like to switch to the REPAYE plan but I do n't even know what plan I am currently enrolled in or if that will reset the 20 year clock or lead to other problems. It says you are required to update this annually but does not provide any indication or the ability to forecast future payment schedule based on income or family size changes in the future. Meanwhile nobody you speak with at their ridiculous company provides any clear and honest direction for an honest hard working father like myself trying to make ends meet. 
-I provide more than 50 % physical and financial support for my XXXX children as well as my domestic partner and her XXXX children. I should be able to account for this in my student loan payment plan but I am afraid any changes will create more issues. 

Companies like this are destroying the futures of people in my generation and this bubble has got to pop! 

Thank you - your help is much appreciated.
State Farm Bank is incorrectly reporting a 30 day past due on all of my credit reports for XX/XX/2016. After disputing the report with the credit bureaus it came back as " being verified '' by State Farm Bank. My payments were due on the XXXX of each month. A payment was made on XX/XX/2016 which is 21 days past due not 30 days past due as being reported for XX/XX/2016. Also this account has been paid in full.
I have a about XXXX to XXXX things on my credit report that I do not believe belong there in 2013 my significant other was killed in a car crash the owner of the car did not have insurance now my late significant others medical bills are now in collection for me and I do not believe that I should be charged with these there is almost {$10000.00} also there is another report on my credit that is from Child Support that I have never had to pay child supportthere are about XXXX more reports on my credit I do not believe be long to me and I do not believe I should be hurt by them I am trying to buy a house and can not get financed because of the negative reports
On XX/XX/2005 l paid off my mortgage in full. Ocwen Mortgage began calling me saying they were to collect a dept on my mortgage. Ocwen said the copy of my mortgage stamped and signed and dated by the STAMPED BY THE STATE OF INDIANA was not real. The harrassment and threats stated from Ocwen to take my property. I filed bankruptcy, went to Indiana Housing,  refinanced, and recently Modification. On my Modification, Ocwen says l have to pay {$13000.00} to own my home at the end of this agreement.
Our house was going to be sold at a foreclosure auction. The deception was a XXXX violation. This form is actually a " resubmittal '' from a previous submission. I was advised to factor in all of the monies I am out related to this. My husband and I hired the Core Advisory Group, we paid {$1900.00} up front plus a {$160.00} notary fee separately to US Signings who happens to be the same owner of Core Advisory Group, XXXX XXXX so he milked us on top of the regular fees to add his separate notary fees. In addition to these fees, we also paid {$68.00} for documents to be sent same day to three different entities ( {$22.00} XXXX ), {$150.00} to a paralegal to draw up paperwork for a bankruptcy petition, and {$77.00} for the filing of this petition. There was no mention of additional fees for sending mail and filing a bankruptcy petition ( we were blindsided by this ) and the fee for the paralegal was also deceptive to my understanding as we filed under pro se status. We were given legal advice and instructed to file a chapter XXXX by this paralegal when only a licensed attorney is allow to provide legal advice so that is another violation to the bankruptcy code of conduct. The bulk of the money was paid via check although the paralegal requested I put money directly into her account ( which was actually her daughter 's account because the bank she uses " does not have a branch in your area '' ) and the bankruptcy court would only accept a cashier 's check or money order as payment. The fee for mailing the documents was paid via debit card at the USPS station. This company does not follow the laws & regulations and uses deceptive marketing and sales tactics to lure people like us in. If necessary I have all receipts or documentation for money paid if needed.
Cavalry SPV I LLC has been illegally attempting to collect an alleged debt from me, including by sending letters and by filing a lawsuit in XXXX XXXX XXXX XXXX ( No. XXXX ), even though the debt is barred by the applicable Statute of Limitations. 

I have provided Cavalry 's attorney, XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX law firm, with a copy of the original contract, showing that the alleged debt is governed by a choice of law provision that makes State of Nevada law applicable to the contract at issue. Nevada Statute of Limitations ( SOL ) is XXXX years on credit cards ; however, the debt was approximately XXXX years old when Cavalry attempted to collect the debt by filing the lawsuit. 

XXXX XXXX, and thus Cavalry, has not responded to my email sent to him on XXXX XXXX, XXXX, asking him to dismiss the case with prejudice. Nor has the case been dismissed to date. In the email, I advised him that I had sent him a copy of the original contract, under separate cover by mail. I also provided him with information about how to access a XXXX copy of the contract using the CFPB Credit Card Agreement database. 

Exhibit A - Original XXXX contract from my records, showing Nevada choice of law provision on page XXXX ( APPLICABLE LAW ). 

Exhibit B - Copy of XXXX version of same contract from CFPB database, which also contains same provision. 

Exhibit C - Letter from XXXX showing that last payment on account was apx. XXXX years prior to the filing of the lawsuit. 

Exhibit D - Printout showing ongoing lawsuit, Cavalry SPV I LLC v. XXXX XXXX XXXX ( No. XXXX ) Exhibit E - Email to XXXX XXXX XXXX to which has not been any response to date.
Equifax had a breach in security in XXXX XXXX where my credit information was stolen. I was not notified about the breach until this past week, which is the second week of XXXX XXXX. At this point, I have not been affected. However, the company can not assure me that I will not be affected in the future.
Was told prior to becoming delinquent that the only way I could obtain assistance with mitigating my debt was to fall behind by multiple representatives inXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX- I was transferred to Customer Service who then transferred me to a resolution representative and was told because I am not more than 60 days delinquent they can not assist me with any options to prevent delinquency and damage to my credit, and that these options were available.
I am writing to submit a complaint regarding XXXX Mortgage. XXXX acted illegally on at least XXXX occasions while handling our loan. First, XXXX transferred our mortgage to a new servicer in XX/XX/XXXX. XXXX did not provide the required XXXX advance notice of transfer and did not provide any notice of actual transfer. XXXX, XXXX took out a lender-placed insurance policy on our behalf. XXXX did not provide us ANY notice that it intended to take out lender-placed insurance, much less the XXXX letters spaced 30 days apart as required by law. We had previously provided XXXX with proof of insurance on several occasions. Moreover, XXXX deducted the annual premium of approximately {$1800.00} for the lender-placed insurance from our escrow account without notice. XXXX has given us conflicting information on whether that amount has been refunded. Apparently the refund was attempted to made during the transfer to the new loan servicer, XXXX XXXX, but neither company has been able to show that the premium was repaid to the escrow account.
The mortgage service company Bayview Loan Servicing LLC that currently services my mortgage has and is collecting more escrow each month than is necessary. They also have an excess balance in my escrow account that they should refund to us. This issue began with a reduction in our property tax of {$3700.00}. On XXXX XXXX, I sent a letter to Bayview with a copy of the tax bill ( attached ) showing the reduced payment of {$3700.00}, but Bayview had already paid the full amount of the tax {$7400.00}. In addition to the refund Bayview did not decrease the amount of the monthly escrow impound, which added to the excess in our escrow account. 

On XXXX XXXX we received a form letter from Bayview that they received our inquiry and that we would receive a reply. On XXXX XXXX The Town of XXXX refunded the tax overpayment of {$3700.00} to Bayview. On XXXX XXXX at XXXX I called Bayview and spoke to a rep named XXXX . XXXX informed my that Bayview had still not posted the tax refund to our account, but that she would order an escrow anylysis. On XXXX XXXX we received a check for {$2600.00} from Bayview indicating it was an overage refund, but there was no further explanation. On XXXX XXXX I called Bayview and and spoke to another representative and asked for a copy of the escrow analysis, which we finally received on XXXX XXXX dated XXXX/XXXX/15. 

The escrow analysis which is attached does not reflect the refund of {$3700.00} and it assumes a monthly impound rate at the higher monthly tax rate creating an excess of {$6500.00} in the escrow account. I called Bayview again on XXXX XXXX and explained this issue and asked to speak to a supervisor, but got nowhere. I told the rep that unless I received a revised escrow analysis by XXXX XXXX I would report them to the Federal Consumer Financial Protection Bureau. So here we are. 

Bayview should refund the overage in my escrow account of {$6500.00} which represents the tax refund noted above and the overage they have collected from me anticipating a higher property tax. Bavyview should also reduce the monthly escrow impound rate to {$1100.00} per month. Additionally if there 's any opportunity to fine them for keeping my money it should be pursued. I 'm certain that if they are doing this to me ( holding excess escrow ) they are doing the same to others, which is consumer fraud as it appears they are using customer money to finance other activities. Otherwise why make it so difficult for a customer to get resolution of an issue? Lastly I have always been concerned that Bayview identifies itself on the phone as a debt collector, not a mortgage servicer. I would like to understand just what regulatory agency they operate under? 

Bayview