WillisBack/dataset-financial-user-claim huggingface dataset:
Today on XX/XX/XXXX I called USAA ( United Services Automobile Association ) XXXX from my cellular phone XXXX XXXX, with the intentions of opening a new checking account. I was briefly transferred at the 1st call to another department. The 2nd call updated general contact info ; address, email, telephone number. After updating info and the 2nd agent then informed me I was incorrectly transferred and she would then need to transfer me again to correct department. The 3rd call was my final conversation with a customer service agent of XXXX. The agent informed me before I can open a new checking account. I would be required to pay old credit card balances from XXXX & XXXX, which to my surprise are not only well past the stature of limitations but have been cleared via guarantor insurance. The agent did not verbally recite a Mini-Miranda ( or when I was transferred to the 3rd rep no recording advised of a Mini-Miranda ) that both accounts had to be paid in full since it was a collectable debt. I advised that would be illegal to as it would be double dipping when I stated that XXXX has already been paid via insurance guarantor this seem to make the agent ballistic. She began overtaking and yelling to the point I had to be firm and take control of call. I then advise to transfer me to a banker the agent refused, she was aggressive and combative to she volunteered her supervisor ( which I didnt ask for ) I then said Our conversation is over Please connect me to a banker for assistance, she then placed me on hold then I go the voicemail of a XXXX who on her voicemail greeting title was Sr. Rep or a Team Lead. So in fact I was not even transferred to the person the agent demanded I be connect with or the correct transfer that I requested to a banker
I was NOT told that I retest accrues daily, I was not informed that there is no help in catching up should we fall behind, save for deferring a payment and then doubling up on payments he next month. Because of this, my payments have increased to $ XXXX/mo. I only bring home $ XXXX/check, so how am I supposed to pay this off? I have NEVER done business with a company that allows credit to be increased without considering monthly income. If they had limited my credit usage, I would n't be in this situation. They prey vulnerable and the financially unstable and have no means of recovering. This is insane ; I originally borrowed XXXX and now my balance is over XXXX with $ XXXX/mo payments and very little of that going to the principal. This is a trap, and they need to be sued immediately. I inquired about closing the account and paying it off, and I ca n't even do that to try to get this under control.
I am filing a complaint concerning a very misleading promotional mailer sent to me by Bank of America on XX/XX/XXXX, offering the opportunity for me to consolidate my debt and transfer any balances I have to my Bank of America XXXX XXXX  XXXX '' Visa Card. The letter offered two options ; either zero percent interest until XX/XX/XXXX ; ot 1.99 % interest until XX/XX/XXXX. The letter said, " Choose the offer that's right for you. '' It seemed like a good deal, and on XX/XX/XXXX, I decided to accept the offer of zero percent interest, using a check included in the mailer to transfer a balance of {$8400.00} that was on a different credit card. 

On XX/XX/XXXX, in reviewing current charges to my XXXX   XXXX credit card statement, I noticed that in addition to the balance transfer was a separate transaction fee of {$250.00}. Not understanding what this was for, I called Bank of America on XX/XX/XXXX, and spoke with a representative, who informed me that this was a 3 % fee that that bank charges for these balance transfers. 

The mailer that prompted me to accept this offer was very misleading and deliberately attempted to hide the fact that a 3 % fee would be charged. The mailer consisted of an offer letter on page one, followed by a page two that included the checks, and details of the promotional offer. 

The main promotional offer letter made no mention of the fee. It positioned the offer as " 0 % '' interest until XX/XX/XXXX. It said nothing of the 3 % charge. In reviewing it again after the incident, I did find on page two a single line mentioning the 3 % charge, but it was buried at the end of a legal description of other terms and conditions. At the very bottom on the letter, there was a box that listed general terms, and mentions the 3 % fee, but it is not clear this fee applies to this special promotion. 

I am generally an educated consumer. It was clear to me that Bank of America sought to mislead me and others. The reality was that this wasn't a zero percent offer as advertised at all. It was a 3 % offer. 

To date, despite repeated efforts, I have not been able to get Bank of America to waive the fee, or even agree to allow me to repay the {$8400.00} and reverse the transaction, something I would be happy to do. I request your intervention to secure a refund this fee, or the opportunity to reverse the transaction completely.
I have a Capital One account, and they put a 30 day and a 60 day late on my record for in 2012 for only {$50.00} of mispayment, due to my address changed, I 've paid all of it back and they did not attempt to collect from me. instead they put a negative to my score.
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Transunion failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, and Chapter XXXX Bankruptcy Discharged XXXX XXXX
We have a home equity loan with Wells Fargo, a 15 year with a balloon payment at the end of the term. We have been making extra payments on a monthly basis to pay off our loan early. We have never missed a payment on this loan. In our amortization schedule the payment is mostly interest and a small portion to principal. How they have been applying our payments during the XXXX calendar year and early part of XXXX do n't appear accurate or consistent. For example, we have been paying approximately {$600.00} - {$700.00} a month when the payment amount is approximately {$410.00}. Some months they were applying more of that payment to the interest than principal in other months they have applied nothing to principal or interest. If I look on their website, in XXXX it looks like I only made XXXX payments, however, when I look at my account that the payments are coming out of, I can see that I 've made XXXX. Additionally, there were months where we would get a statement from XXXX stating that we did n't have to make a payment for the upcoming month and that the additional payments would go to principal.
XXXX card shows minimum payment due payment of $ XXXX monthly paid. The card total balance due is automatically paid off every month. Averaging {$1200.00} per month.
My credit report is showing two months of late charges XX/XX/XXXX & XX/XX/2014 after I sold my house. I 'm asking to update my credit report to not show these late charges PNC mortgage # XXXX address XXXX XXXX XXXX Oh XXXX the house was sold XX/XX/2014 XXXX XXXX XXXX
XXXX Credit Card provoked a dispute with me in late XX/XX/XXXX. I discovered that even though it resolved in my favor, they continued to mar all three of my credit reports with a statement about it. I asked XXXX to stop reporting it via a phone call in XX/XX/XXXX. They did not. I have detailed what happened under the complaints XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX - Equifax, XXXX XXXX - XXXX, and XXXX XXXX - XXXX. I am complaining again because I was not satisfied with any of the responses.
I applied 6 loans with Franklin American Mortgage Company. 

The lender approved the loan. They asked me to submitted additional documents. I submitted everything and cleared all conditions they asked for. All conditions were cleared. They also even allowed us to proceed to input fees to order final loan documents. 

All of sudden, they denied all 6 loans WITHOUT ANY REASON. We were asking for the real reason and they did not tell us. Even their employee ( account executive ) did not know the reason. 

They did not send me the lender with the reason they denied the loan. When my broker asked, they send me a letter with the reason as " Unverifiable Information ''. This is NOT correct as I provide them all information they ask for. 

After many times begging Franklin to give my broker the real reason the loans were denied, they still did not provide the real reason. The only reason provided through the Account Executive ( XXXX XXXX ) was that borrower failed to disclose properties. This was not true because we did provide all properties as soon as lender asked for. Not until XX/XX/2018 ( after I pressed for the true and honest reason ) that Franklin American told me about the exception ( that they only allow up to 4 properties and if more than 4 properties, exception is needed ). Why Franklin did not tell us upfront the real reason? They did even cleared this exception conditions in their website. And if the exception of 6 properties was the real reason, why didn't they deny two loans and still allow me to proceed with 4 loans?
XXXX XXXX XXXX Attention : Department of Consumer Affairs I spoke with a representative in your office on Friday, XXXX XXXX XXXX. I was instructed to send a brief detail of my current situation, in hopes your office can help me resolve this eight month issue, which at this point seems irresolvable. 
My previous mortgage holder, XXXX sold my mortgage to Nationstar Mortgage Company. I received a notice from XXXX on XXXX XXXX XXXX to notify me of this transfer which will go in effect XXXX XXXX. I received my first correspondence from Nationstar on XX/XX/XXXX with my account information and my first payment installment information. On this document it also listed a discrepancy of XXXX, in addition to my monthly contacted payment of {$500.00}. I immediately contact this new company Nationstar and spoke with a representative on XX/XX/XXXX in hopes this error on my loan transfer could be corrected. 
Since XXXX XXXX XXXX to date : I have had XXXX calls, XXXX emails and XXXX faxes of requested documents to Nationsatr Mortage and XXXX. I have spoken with over XXXX different representatives in many different departments, from Customer Service Representatives, Escrow Supervisors and Corporate Staff. Apparently, XXXX made an error when transferring my loan to Nationstar. All documents have been received by both companies and it was concluded that I do not and did not owe this discrepancies. The monies were to be resolved between the XXXX companies. ( XXXX sending Nationstar this {$1400.00} ) Unfortunately, for reasons I do not know, this payment has yet to been sent. Nationstar has been and is still billing me for this amount. This situation has become a huge burden on me and my family. Nationstar has put my account in a delinquent status and has charged me numerous penalties for this outstanding {$1400.00}. 
I have been beyond diligent to do all I know/ knew to do and all I was asked by both companies in order for this to be resolved. Unfortunately, I am exasperated, exhausted, overwhelmed and quite frankly saddened, that I, the customer, have been treated as though I have no value to these companies. I have stated to both companies from the beginning, I do not owe this money, nor do I have this money to pay. I am a single mother of XXXX. I work XXXX jobs and I live on an extremely low budget. 
I have all documents to substantiate the facts. I will email or fax upon your request. Below, I have listed the last XXXX representatives I spoke with and their contact information. Both assured me, this problem was resolved! 





Thank you in advance for taking the time to review this distressing issue. I pray your office will be willing to step in and assist. I honestly do not know where else to turn for help.
I can not get in touch with a human to express my problem. Out of frustration I am filing a complaint about the XXXX credit reporting agencies. I have several creditors showing up as bad debt and they have been closed for over 7 years. This situation is really messing me up at repairing my credit.
In XX/XX/XXXX I got a HELOC loan from Beneficial, I paid it off in XX/XX/XXXX. In XX/XX/XXXX I closed the account due to selling the home. XXXX released for recording on XX/XX/XXXX to XXXX recorder, loan number XXXX. I also got a copy of Satisfaction of Morgage from XXXX XXXX XXXX XXXX. which states it authorize and directed to discharge the same upon the record of the said morgage. Instrument no. XXXX in the records of the county recorder in the county of  XXXX State of Minnesota This Satisfaction of Morgage. It was issued in State of Florida and Notary Public XXXX XXXX.Notary #  XXXX. 
Now comes the issue XXXX went out of bussiness and sold a large group of loans that were not paid off to XXXX XXXX XXXX for pennys on the dollar. My paid off loan got in this mix. The account number with Ditech is XXXX, I have never heard anything about this issue till I was buying a home 4 years later, and have never worked with this company. My paid off loan got in this group of open loans, I am buying a new home and it was in under writing and on all three credit reporting companys it shows this loan is not paid off and still owe XXXX which is what the origanal loan was for. Ditech has copys of the satisfaction of the loan in my file. But will not fix there mistake. I have now lost the home I was buying and have to be out of this rental in 18 days. I am have no idea what I am going to do and I have 2 dogs and 3 cats so a rental will not rent to me with my pets. This has caused me so much stress and making me sick. I am stuck, there is a class action suit filed for the same issues with 100 's of poeple filling lawsuits. I have spoke to an Attorney both for the class action suit and a local attorney in XXXX. I will be filling a lawsuit if not corrected now. I have asked in writing for a complete payment history showing this loan from XX/XX/XXXX has never had a payment made to it. A lawsuit will take years take years and I can't buy a home. 
I beg of you please help me.
In XXXX of XXXX I purchased a diamond ring from XXXX, I put down XXXX XXXX dollars on that ring and my payments were XXXX a month. I put this account on auto pay. Account number XXXX. I put this account on auto pay. I was never late for more than two years, they sent me a payment book, so on the last payment in my book I made the payment then closed out the account. A month later I recieved a cll from Monterey stating I owed them one more payment at a balloned cost to close out the account. They advised me because it was the last payment I had to pay more to close out the account. I advised them I still have the payment book in my possesion, and I did in fact make the last payment. I tried to settle this account at the payment I had before I closed the account. Monterey advised me they would not except that payment. I did not recieve anything in the mail advising me I had another payment, and I did not recieve anything in the mail about the last payment being larger than the origanal payment of XXXX. I finished paying on this account in XXXX of XXXX. I was never late and I never spoke to Monterey for overr two years until the last payment issue came up.
I had a XXXX Credit Card Account opened XXXX and closed and paid in full XX/XX/XXXX. As of today Transunion Reporting Agency has my account in a negative status. This account always had a positive reporting on Transunion. Now like I stated their is negative information showing on Transunion.
This complaint concerns the XXXX data breach during the summer of 2017, their failure to report theincident in a timely manner, and as of today their failure to make available who data was included in the breach. I followed instructions on Equifaxs web site to determine my status in the breach and received this notice : " Based on the information provided, we believe that your personal information may have been impacted by this incident. 
Click the button below to continue your enrollment in TrustedID Premier. '' This is an unacceptable message telling me that they believe PII may have been impacted by this incident. 

This message is posted on their web site as an update to the problem : " Cybersecurity Incident & Important Consumer Information Consumer Notice FAQs Potential Impact Enroll TrustedID Premier Contact Us A Progress Update for Consumers XXXX XXXX, 2017 We understand that some consumers are experiencing difficulties getting the answers and support they need through our website and call center. Ramping up the website and call center to handle the anticipated volume is ongoing and we are focused on making improvements as quickly as possible. We apologize for any inconvenience this process has created. 

Thus far today, weve made the following adjustments : 1 ). YOU CAN DETERMINE YOUR STATUS IMMEDIATELY Some consumers who visited the website soon after its launch failed to receive confirmation clarifying whether or not they were potentially impacted. That issue is now resolved, and we encourage those consumers to revisit the site to receive a response that clarifies their status. 

2 ). NO WAIVER OF RIGHTS FOR THIS CYBER SECURITY INCIDENT In response to consumer inquiries, we have made it clear that the arbitration clause and class action waiver included in the Equifax and TrustedID Premier terms of use does not apply to this cybersecurity incident. 

3 ). EXPANDED OUR CALL CENTER We have tripled our call center team to over 2000 agents and continue to add agents. 

Our goal is to make this process as convenient and consistent as possible. We will continue to identify steps to improve this process. 

And we will continue as well to listen to your comments and suggestions. '' I still ca n't find out if my data has been stolen. I should never be required to any arbitration rights due to a problem caused by XXXX or any other credit bureau. I do n't have a choice as to whether they have my PII data or not. I should have no fees associated with applying a credit freeze on my account due to Equifaxs errors, or carelessness compromising my PII data.
When I graduated from college in XX/XX/XXXX, I was not able to find a good job and I had XXXX children at home. XXXX never offered any income driven nor lowered payment plan that might help me pay my student loans. They just kept putting me on deferment every 6 months until my deferment ran out. Then they offered me forbearance. In XX/XX/XXXX, my husband was laid off from his job. That lasted for 2 years. My payments should have been lowered but XXXX only offered me deferment, not a solution to help me repay my loans. I have almost exhausted all of my forbearance and I am still having trouble paying my student loans, 10 years later. Last year, I had applied for an Income Driven Repayment and the loan counselor asked me to submit my tax return and my pay stubs for me and my husband. The part of the office at Navient that calculates the repayment told me that my monthly payment would be about {$900.00} per month. I told them I could not afford that much and that it should be lower according to my tax return. Each time I called them, the loan counselor would extent my forbearance for 2 or 3 more months until they could figure out what they had done wrong. They would tell me that I should only be paying around {$500.00} but they were unsure what they had done wrong in calculating the amount. It took from XX/XX/XXXX until XX/XX/XXXX to figure out that they needed to only use my tax return and not by pay stubs and tax return to calculate my payment. They used 10 months of my forbearance time to fix their mistake. My payments were recalculated to around {$370.00} per month. Now I am facing XXXX which will put me on temporary XXXX and I 'm afraid to call them to see what happens next. This has been a nightmare dealing with them.
I had a credit card with XXXX XXXX XXXX. I consolidated all of my debt into a debt program. They would not agree to the terms set forth and after sending a few months of payments that did nothing to bring down the amount owed, I did not pay them anymore. I spoke to them at one point after the amount due reached {$750.00} on a {$300.00} credit card. They would not come down on the amount and I would not pay for a card that I only spent {$300.00} of. Now I am getting letters from attornies stating I am about to be sued by XXXX XXXX who I am learning is collecting for them.
XX/XX/XXXXOn XX/XX/XXXX, my mortgage was transferred to Seterus, Inc. from XXXX. I was at that time one payment delinquent of {$1900.00}. Seterus reps told me I could make periodic payments whenever I had extra money and they would place the payments in a suspense account and once the payments accrued to {$1900.00}, they would apply that toward the delinquent payment and I would be current. I have been making payments on time for two and a half years but have n't been able to accrue enough money to make a whole payment that would bring me current. 
On or about XXXX XXXX, XXXX, I talked to a XXXX XXXX who checked with her supervisor XXXX XXXX ( not sure of spelling ), and they confirmed I had a little over {$1700.00} in the suspense account and that it was a mistake to have taken the money out of that to apply toward late fees. After consulting with her supervisor ( XXXX ) XXXX said I would be current if I made a payment of {$2200.00} in XX/XX/XXXX. They received this payment on XXXX XXXX, XXXX. This extra amount I thought ( from {$1900.00} XXXX was for taxes for which they established an escrow account, even though I was on a payment plan for XX/XX/XXXX delinquent taxes and was current with this year 's taxes. 
Today, XXXX XXXX, XXXX, I called to make sure my understanding was correct. First, I talked to XXXX XXXX. Later, I talked to XXXX XXXX and was told by XXXX XXXX that my money in suspense was used to pay late fees and that they had a right to take that money from suspense to pay the fees. They had months ago agreed that I could make partial payments and would apply them to the mortgage principal and interest once I had the entire amount due of {$1900.00}. XXXX XXXX informed me that because they did n't have a letter in writing directing my periodic payments be applied toward the delinquent mortgage, that they had the right to take the money and apply it to late fees. 
This company ( and Citimortgage and others ) uses these methods to keep people delinquent, forcing some homeowners into foreclosure. I believe this why they do this. If you do n't believe me, please go to XXXX and type in mortgage servicers and read the XXXX ( or XXXX ) of complaints. 
I think this behavior on the part of Seterus was fraudulent and I would like someone from your office to look into it. They treat hundreds of others the same way ( and worse ) in that they refuse to accept payments, apply money to late fees or other accounts without permission, and so forth. 
My mortgage records are under XXXX and XXXX XXXX ( or XXXX XXXX XXXX ). My husband died XX/XX/XXXX, but they wo n't take his name off the documents. I now go by XXXX XXXX XXXX. 
They also forced me into an escrow account for property taxes, and raised the amount to include higher taxes EXPECTED NEXT YEAR. They also said there was a deficiency, which I do not understand. My mortgage adjusts in XX/XX/XXXX and I would like to refinance or apply for HARP but because of my delinquency, they say I do not qualify. The delinquent payment would have been paid by now had they not taken the money for late fees. Is this legal? I want another servicer. A company that will not treat me this way.