WillisBack/dataset-financial-user-claim huggingface dataset:
I spoke to a representive for centron Services about a levy put on my savings account. This person claimed he needed to call the processing center to see if the amount had been charged before he could talk about settling. The person from centron Services called me back stating the money had not been taken out of my checking account via the levy so I could pay them out of my checking account to settle for a lower amount. This was on XXXX/XXXX/XXXX. The representative stated that if I gave him the checking account information to process the settlement they would release the writ levy on my savings account. They charged the settlement amount to my checking account and continued to process the savings account levy which totals more than the debt that is owed and was misleading. I called to try and fix the situation and was told I would be refunded the amount that was not owed. The letter attached shows the amount that original levy was to be removed from my savings account, The photo of my checking account shows record of the amount that was processed for my checking account which totals more than the debt ever owed. I told the representative this was illegal to charge more than owed and she told me it was not illegal.
We tried to refinance our home mortgage with First Reliance Capital. I do not have enough space to explain the entire process. The quick version is on XXXX XXXX, 2016 we applied for a refinance mortgage. We felt we were prey to a bait and switch. Our first loan explanation was for {$240000.00}, points were XXXX. When we received the second closing documents before closing the loan increased to {$240000.00} and the points increased to XXXX. 
We then went through a long series of promised to lower the points, Despite all the documents, we did not have the loan we initially agreed in writing. 
We finally sent a certified letter requesting to close our loan. They again continued to call, hound us, plead to keep going with the loan process. We finally insisted to close the loan on XXXX XXXX, 2016. After firmly telling the loan officer we wanted to close she agreed. 
The next day her supervisor calls, again using very high pressure tactics to keep with the process. I told her she could send the documents but I still feel I want to cancel the loan. I then talked to our financial adviser. He recommended not to continue. I then sent an email asked to close our loan. 
I also phoned my bank telling them not to give any information. Reliance had already called after I asked to stop the loan process. 
I then received another call from the vice president of First Reliance, asking I call, I did not call him. He did finally email me and said he will close my loan. 
This is a very condensed version. There are many more details that are very important and I was unable to fit them in this space. I do have a letter that outlines what happened in full detail I feel this on line company used deceptive tactics, they used high pressure techniques to have me continue with the loan process when I asked to close our account. They also were very pushing with the homeowners insurance and the title company. I had complaints from both that they demanded things they did not need and were very demanding.
These Creditors have been harassing me for almost two years. I have denied this debt. They sent additional attempts to collect debt. I filed for chapter XXXX XXXX Bankruptcy relief and included them. They started sending wage garnishment attempts to my employers. I contacted Consumer Finance Gov regarding this and the company states the account is closed as of XXXX XXXX. So a few months later I receive another attempt to garnish my wages, so I sent information letting them know once again 1 ) this is not my debt and 2 ) I do n't know what these student loans are for. They sent me some information from XXXX XXXX XXXX from when I was enrolled in XXXX ( unsure of exact enrollment time, this is an approximation ). Once I was informed of the school, I wrote them back letting them know the school staff were signing our applications ( evening students ) and receiving loans on behalf of us. I also informed them that is the reason the school was closed. They sent XXXX application packets where I needed to provide XXXX signatures from as close to the date as possible. I was given 60 days from XXXX to submit. However, the company sent another wage garnishment to my employers prior to my 60 day submittal deadline although I faxed all of the application including my supporting documents the day before my 60 day deadline. It took me almost two months to locate anything with my signature dating that far back. Now the company has began emailing me to rehab my loan and are ignoring my discharge due to unauthorized signature.
Coinbase.com has locked my account. I've been emailing and calling for months with no resolution. They assigned a case number as XXXX and have not done anything. I very much need this issue resolved and access to my funds.
Complaint : Posted check to closed account # XXXX and does not return check ( 3 + month past due ) Using automatic bill pay I sent two checks on XX/XX/18 and XX/XX/18 to Chase Auto Finance in the amount of {$2600.00} each, this payment was sent by mistake and was not intended for Chase Auto Finance. 
Realizing my mistake I called Chase Auto finance on second week of XX/XX/XXXX and I was assured that checks will not be cashed and will be sent back within 10 business day since my auto loan ( loan # XXXX ) at Chase Auto Finance was closed several years back. While I was following up on weekly basis Chase deposits check on XX/XX/18 and XX/XX/18. So either the customer service representative was lying to me or the account department was lying to customer representative that they are reversing the posting and sending back the check. 
As of today XX/XX/2018 it's been more than 3 months, several follow up, fax message and faxing bank statement proof has not yielded any result. Every phone call they keep assuring that there is work order ( case # XXXX ( not sure if this is valid or a made up number by customer rep. ) ) and I will receive my check in 10 business day but Chase is not returning my check. How can chase post a check to closed account and hold it as their revenue isn't it against the accounting rule?
I applied for a XXXX credit card and read the agreement .It says there will no monthly maintenance fees started until 2nd year of terms.Yet I closed my account before entering the 2nd term.There is still a balanc I am paying off from the company.They have added the monthly maintenace fee on tho while paying it off tho. I dont feel that is legal according to what I read.This is due to the fact as I said I didnt enter in to the 2nd year of term because I wasnt willing to pay a {$120.00} annual plus a XXXX $ monthly fee, that would have been XXXX a year to keep open whether you have a balance or not.
A handwritten letter from another bank customer arrived tucked into official correspondence from the bank. 

The handwritten letter was from my parents who I 've gone to great lengths to severe ties with for safety reasons. The letter addressed a banking request ( they wanted me to remove my name from their safe deposit box ). The letter then included personal questions and information about my children as well as a request to restore contact with them. 

This is a completely unacceptable breech of my privacy. Any request to remove my name from a safe deposit box should have been handled by the bank exclusively.
On XXXX I purchased a XXXX VW Jetta GLI from XXXX XXXX in XXXX, AZ, financed through Wells Fargo Dealer Services ( WFDS ). At the time of purchase and completion of the sale I maintained a current and valid auto insurance policy through XXXX. This auto insurance policy was listed and on file ( agreement to purchase insurance ) at the time the sale was completed. On XXXX/XXXX/XXXX I contacted my auto insurance to confirm this purchase and addition of my new vehicle. It should be noted that I took possession of the vehicle from the on Monday XX/XX/XXXX. 

A month later WFDS sent a written request notifying me that I needed to purchase insurance and list WFDS as the payee in the event of a loss. I resubmitted proof that I maintained insurance on the vehicle via WFDS ' website XX/XX/XXXX. 

XX/XX/XXXX I began receiving multiple phone calls per day from WFDS in an attempt to collect a debt for not maintaining insurance on this vehicle. For a third time, on XX/XX/XXXX I re-submitted proof of insurance as well as a letter to WFDS. Since this time I have received no further response in writing. The phone calls to collect the debt which I do not owe have continued.
I receive solicitation calls from NationStar, my mortgage lender since XX/XX/2009. The calls go like this : " This is NationStar. This is a recorded line. NationStar sometimes acts as a debt collector. This is a courtesy call for XX/XX/XXXX. Your mortgage is {$2200.00}. Are you aware that it is due on XX/XX/XXXX? Do you have this set up on Bill pay using the grace period? To cut down on my courtesy call volume, please tell me if you are going to continue to pay using the grace period. Your account is now coded-out to pay by the grace period '' WHAT IS THIS ALL ABOUT?
Equifax still has something from XXXX XXXX XXXX that has been closed since 2008. It is over XXXX XXXX XXXX and is negatively affect ing my credit score.
The company representative called my employer and left a message asking for me, in regards to collecting a debt which had already gone to litigation with the SAME company back in XXXX/XXXX/15 and had been voluntarily dismissed. The complaint was dismissed because the statute of limitations had passed and for lack of privity. They are illegally attempting to collect a debt they have no grounds on.
I 've called back to have them stop and told them they are not allowed to call my employer. They repeatedly told me they do have a right to contact my employer. Refuse to stop contacting my employer.
My then-husband and I took out a 1st and 2nd mortgage in XX/XX/XXXX ; we divorced sometime a couple of years ago. 

in XX/XX/XXXX some private Trust took over the 2nd mortgage and SN Servicing began servicing the loan. I myself never received any mortgage coupons, statements or billing/payment information. In XX/XX/XXXX, I received a Notice of Default and since XX/XX/XXXX have ben attempting to work with XXXX XXXX at SN Servicing to structure some time of repayment plan, modification, or other type on arrangement. Ms. XXXX repeatedly requested additional documentation until such time as she deemed the application complete on XX/XX/XXXX and would be reviewed. XXXX XXXX then informed me on XX/XX/XXXX that the XX/XX/XXXX sale would still move forward regardless of the fact that an assistance package approval is pending.
We are third parties to the debit owed by our adult son. The collection agenc y at (   XXXX   )   XXXX  has called us at l east four times  on the dates/times listed below. The agency appea rs to be Wells Fargo .  <P/>   X/XX/17    XXXX   XXXX   XXXX    X/XX/17    XXXX   XXXX     XXXX     XXXX   XXXX     XXXX     XXXX   XXXX
I paid off the past due balance to the City of XXXX and the account is still showing up as a collection.
XXXX XXXX failed in the electronic funds transfer that has been in place for over 24 months at the time of origination. I had made Principle only payment on XX/XX/XXXX and again on XX/XX/XXXX. The customer service representative did something wrong and my EFTs stopped. I was unaware of the problem until I received a Late payment notice. 
Monthly Payments - {$500.00} I called and spoke to XXXX XXXX in Loan servicing about the problem., and he assured me that the problem was corrected. 

In XX/XX/XXXX I received another Late payment for being late for two months.

I again called and spent 2 hours trying to resolve my issue.

After trying to reestablish my EFT, it was determined that my account was frozen and the only way to become current was to send in via a check payment. 
The stated reason was that XXXX IT systems were not sync and an upgrade caused the EFT to stop. 
The resolution that Mr. XXXX am I worked out was to pay off the entire loan. 
The Loan was paid off via an EFT - XXXX. 

The title has been received. 


When I paid off the loan Mr XXXX again assured me that my credit would not be impacted. 
I check my XX/XX/XXXX Credit score and it was XXXX. The Credit Score in XX/XX/XXXX is now XXXX. 

I have an escalation pending with XXXX XXXX I opened the escalation on XX/XX/XXXX. 
XXXX XXXX XXXX, VP is the representative XXXX XX/XX/XXXX Called XXXX - XXXX XXXX about the credit report. 
He could not open my escalation file. 
Had me call XXXX the main XXXX XXXX number Been on hold for 20 minutes while going through VRI system to get to Escalation department. 

Spoke to XXXX XXXX XXXX - she was out for XXXX from XX/XX/XXXX to XX/XX/XXXX. 
She said a letter was send stating my credit was negatively impacted. I did not get the letter through USPS. 
Requested that the letter be emailed to me. 
Requested the name of her boss for further escalation - XXXX XXXX - XXXX
I cashed a check from my own company. I loaned my business {$3000.00} from another bank to cover payroll. When my bank reached over 10K, I wrote myself a check to cover the the loan and additional money for business expenditures. I went to the bank directly and cashed the check for cash since I know BOA tries to charge and hold monies for everything they can to help incur overdraft fees. When I cashed the check, I immediately saw it come out of my account on the mobile app with over $ 4K to spare. My husband, did not know and thought an employee cashed a check and ordered a " stop payment. '' We were never credited the money since the check was deposited at the bank for cash. 
However, 12 days later the whole account changed. It never showed the check I cashed like it did the same day I cashed it and yet they tried to say money came out that never did because my XXXX and XXXX XXXX never got their ACH debits. BOA lied trying to reap {$5800.00} which they decided to remove 12 days when they saw my account hit a low of approx. {$100.00}. BOA is cold busted on this one since there a no people involved ( hearsay ) but my self ( the debitor ) to my own business. 
Please lets bring thieves that change statements from one day to another to suit their stealing from the client. Young people are app savvy and we can see it all. Please help the small nonprofit businesses helping poor communities to eradicate this greed in humanity.
JH Portfolio has failed to provide the information for the account within the 30 day verifification period, so they agreed to remove it from my credit reports, however they did not and they are still reporting it on my credit report, check other cases from myself which they have said to you that they are not reporting it. I can provide screenshots of my credit report showing them reporting it.
I went to XXXX this afternoon. I have been a 10+ year customer of USAA . I have a XXXX credit score and perfect payment history. I went to pay for my order and was utterly embarrassed as I was declined in line. I contacted USAA who let me know that a letter was going out dated today notifying me of the reduction of my credit line from XXXX to XXXX dollars. They mentioned the reason was that I do not maintain a high enough balance which could n't be farther from the truth as I frequently spend XXXX a month and pay it off. I could not have been more embarrassed to be declined in line. To make matters worse USAA reduced my line below my outstanding balance which will affect and be reflected on my credit as " exceeded credit limit ''. I could not be more upset at the lack of notification from USAA. They provided no resolution or explanation.
During the month XXXX I was contacted by XXXX XXXX company regarding an account I had with XXXX XXXX XXXX XXXX XXXX. It was a scholarship that was given while I attended college. I spoke with the original creditor to work out something and that was no avail. I also reached out the collection agency to gather information for the account. A letter was mailed from XXXX XXXX stating the amount I owed. On, XX/XX/XXXX a certified letter was sent to XXXX XXXX to validate the date and to cease contact. I had recieved calls from the collection agency everyday at least two-three times a day regarding this account. After the letter was sent I stopped answering their calls. Once XXXX received my validation letter they stopped contacting me via phone. However, validity of the debt information was not recieved within 30 days as I requested. I started to recived phone calls from the company starting XX/XX/XXXX and XX/XX/XXXX. The calls stopped. I requested validation regarding the debt and nothing was receieved. Today, I receievd an alert from myfico regarding a collections account that was added to my credit report. It was XXXX XXXX. I have not recieved the documents that were requested via mail.
USAA Federal Savings Bank ( USAA FSB ) closed all of my accounts in XX/XX/2018 without informing me of the reason. I attempted to determine the cause of the closure and all the USAA FSB representatives I spoke with refused to give me any details. The closure had two primary impacts. First, I was forced to move ( after 20 years with USAA FSB ) all of my accounts to another financial institution. This consumed considerable time and expense as I had my personal checking and savings accounts, checking and savings accounts for the care of my XXXX mother, and my daughters college savings account with USAA FSB. Direct deposits, bill payments, automatic transfers, etc. all had to be reconfigured. 

Second, USAA FSB also revoked my online access to usaa.com, which then impacted my USAA provided insurance service as I'm no longer able to access those insurance accounts online. Given almost all communications are done electronically through the usaa.com website there is now a constant problem accessing insurance information. For example, my auto insurance information was provided through the USAA mobile app, as is emergency service information, which I now can not access because USAA FSB shut down my account. 

Despite numerous attempts to communicate with USAA to attempt to understand why this happened, let alone petition to have them re-estabish my accounts or at least online access to insurance products, I've failed to receive any explanation.
I have been having issues with Chase Bank regarding my Mortgage modification. 
When I started with Chase my home was about to go into foreclosure and that was the only company that would take my account and give me a mortgage. I had just bought a new house with a 7.25 % interest rate. But when I went to refinance with chase to keep my first home out of foreclosure a few months later they gave me a rate at 15.25 % XXXX The original rate for that house was 8.5 % ). Yes I was late from time to time but I always paid more than the monthly payments and late fees. I am retired now and my income has decreased so I have been trying to work on a modification with Chase for a lower interest rate. I have been repeatedly contacting Chase and they are always telling me we just need this one more piece of information each time I call, and I am never really given a straight answer when I ask where the equity in my house went. I have been paying on this loan for XXXX years. The house is only worth XXXX and I have paid almost XXXX the amount of the original cost of the house at the time of purchase. I have to admit that over the years I never stopped to take the time to look at my bills. Now that I 'm retired and on a fixed income I 've noticed discrepancies in my bills and have questions I should have asked years ago. My original mortgage was released to Chase XX/XX/1999. It is still not clear to me how my interest rate would jump from 8.5 to 15.25 %. It also does n't seem right for my balance to be the same every month after each payment. The modification that they are taking so long to answer about will add another 66 years to the loan. I just want someone to look at why they are giving me a run around about my modification. I apparently have a subprime loan, and I am trying to get out of it. They keep suggesting a quick sale but after XXXX years of paying on this house the thought of giving up is disheartening. My monthly payment is XXXX a month I pay XXXX and only XXXX goes toward the Principal XXXX goes to interest.
Ive previously submitted a complaint for the actual company. Which removed its remarks from XXXX and XXXX .This one is for experian credit reporting who has not yet removed the XXXX XXXX XXXX XXXX XXXX remarks.. the other complaint was back on XX/XX/2018.
A business account XXXX XXXX card was compromised and changed to a fraudulent address, fraud and unauthorized charges were made on the account i reported it and the account was closed from XX/XX/2017, now after 6 months they put the fraudulent charges on my personal credit report with a balance of XXXX. i do not owe them any funds, the account had a -- {$5000.00} credit balance in XX/XX/2017 and the account have been closed
I have a auto loan listed on my credit file with XXXX, XXXX, and XXXX that is listing inaccurate payment history,
I am disputing a 30 day late on my XXXX credit report. I have a issue with XXXX late payment in XXXX which was a little bit after I moved from XXXX XXXX XXXX XXXX Ga XXXX to XXXX GA XXXX and also thought this was setup on automatic payments do to previous manual payments and asking to be setup on auto billing. I was unaware of any notices sent to my previous address saying that my payment was going to be late or any need of a payment due. Please remove this late payment off all credit bureaus. 

I really appreciate your assistance
I received a Mortgage Escrow Account analysis recently from my mortgage loan servicer Ocwen Loan Servicing. The analysis showed an escrow shortage of XXXX. This amount was broken down as : {$3300.00} escrow advance and {$1700.00} balance needed for the next year. 

I called Ocwen on XXXX XXXX, 2015 and requested they cancel my escrow account. I was told to fax my request and pay the shortage ( {$3300.00} ) and to also make my request in writing. A letter making the same request along with a check for the shortage was overnight mailed on XXXX XXXX. 

Ocwen has cash my check and applied part of it to the XXXX payment in spite of the check being mailed specifically to the Escrow dept. along with a cover letter referencing to be used for the Escrow shortage. 

Today when I called Ocwen to find out what the new mortgage payment would be I was told that no decision was made and to call back. 

I have complied with all of Ocwen requirements to cancel my escrow account but all I getting is the run around from them. 

1. I want the escrow account closed2. I want the entire check amount to be applied to the escrow shortage3. I want a new payment invoice showing only the principal and interest. 
4. And I want all of the above without delay
I have received frequent calls from this company threatening to " serve me '' with documents for a debt they have not validated. They are violating FDCPA and FCRA with the threating phone calls. The company also does not identify themselves in the voicemails.
Ocwen always denies my modification? I cant afford my payments, everytime that i call to check status on the application an this being every other day, they give the round around an there is always a doc missing from my end all though they say if I call one day they say package is complete and on another day that they realize i missed a paper, till I get tired and dont complete the process, this is after 2 1/2 month trying
Today 6 times I called Capital One to get my {$99.00} refundable security receipt. I spoke to a girl in their " executive suites '' and all she did was lie to me and interrupt me. 
I want a receipt.
I've contacted the credit bureau and each company regarding the inquiry showing on my credit report with no progress. I've requested proof that I consented to these inquiries only to be told I have to wait 2 years for them to fall off. These inquiries are hurting my credit score.