WillisBack/dataset-financial-user-claim huggingface dataset:
I am highly disappointed with Bank Of America refusal to be customer centric regarding the overdraft, non-sufficient funds and extended overdraft fees that I have been assessed over the past year. One of the reason I chose to bank with BOA was because I heard of their desire to consistently deliver the exemplary service they know that their customers deserve. On several occasions, I have contacted customer service requesting assistance or direction with banking concerns and have only ended the call inquiring as to why instead of creating solutions for their customers, I 'm still in the predicament of where I started. I contacted the bank of XX/XX/XXXX regarding an unauthorized transaction to XXXX XXXX in the amount of {$36.00} that I had been paying for a product that I returned and because I had other transactions coming from that merchant, that it never dawned on me that I had returned those 2 items in which that charge was payment for.that I had been paying. I had been charged 11xs in this amount. Instead of providing a solution, the agent did everything in her power to keep me from filing any type of claim for the transaction and when I asked for a stop payment, she simply said that she could place a stop payment on the merchant for a fee. My question to myself is that, I have never received a stop payment before or any type of reimbursement for a fee for that matter and if this is causing financial hardship since she refuses to allow me to file a claim, why not provide the stop payment as a courtesy. In regards to the fees that I previously mentioned, a review of my account has indicated that I have paid {$1000.00} in overdraft, non-sufficient funds and extended overdraft fees since XX/XX/XXXX. By all means I know that as a customer, it is my responsibility to manage my account effectively ; however, there may be times in which are outside of my control and I have tried to discuss the matter with phone bankers but I 'm always told that they are unable to assist with fees and to only bring the account to a positive balance or I will get hit with additional extended fees. I am submitting this as a request for some type of reimbursement for some of the fees that I have incurred over the past year. Although I understand by using the account, I accept the terms and condition of the account and the fees that I am subjective to ... but as a consumer, sometimes its nice to know that a company values you as a customer and realizes that you may have made a miscalculation or misjudgment and be willing to say, as a courtesy,  we understand and want to keep you as a customer. I ask that you review my account relationship and provide a reimbursement for the fees that I have been assessed. The only fee reversals that I have received where the result of unauthorized transactions. Thank you for your time.
I tried to dispute a couple of accounts on my credit and XXXX account stayed open. They never updated my information from my credit score.
I co signed on a loan that was a refinance of an existing loan of mine.  The (now retired) employee that swore to me that this was a necessary thing to do to keep the loan from going into default lured me into a deceptive loan. I have dealt with this company in the past on small loans but they assured me that taking out t his larger loan to consolidate bills was a necessity. These people make you think you are a friend and they are looking out for your best interests.  They said I needed to put this loan in my friends name (who had debts  being paid off from the loan also) because "the friend" had a job and if he lost his job the loan insurance would make the payments.  The terms and conditions they gave us were NOT what we had been promised. After having us sign the forms I realized interest rates were changed and was told it was a binding contract and nothing I could do.  The terms were for 5 years near the end of the 4th year financial problems were incurred and they said they would modify the loan. No papers were offered, no terms given they just said it would lower the payment. We were left to assume the terms were the same.  What I later found out (from logging into my information online, which I was not told was possible) I saw the loan was extended for 12 more years.  The friend got into some legal trouble last year and because of that had to move.  I called the local office and explained to them the situation and asked if they could give me any  help.  The manager told me that  he couldnt do anything and that I needed to pay or go to court.  I have paid this loan for over 9 years approximately and for the amount borrowed I have paid the original amount borrowed and much more. They take out all interest first and nothing goes toward principal. 7500 (approx) was borrowed and by the end of the estimated 11 more years they tacked on the loan close to 50k will be paid! That is more than my home cost!!! They now cant find the primary lender and are harassing me non stop. I tried to work with them in the beginning and they refused. I spent 20 years being XXXX raising a son alone and repaired my credit only for these blood suckers to ruin me over their deceptive practices.  I have no issue paying for something I borrowed but this is not only robbery but it is unethical. It seems nobody is out there monitoring these companies.  This is why they split XXXX to take the mortgage and OneMain to personal loans. Easier to steal more money from lenders who try but cant get conventional bank loans. Our protection is nowhere to be found from our government who should be monitoring these companies. I can see why they can't keep employees there long. Anyone with any conscience would not work for a company like this.
On  XXXX   XXXX ,  XXXX ,  Capital One  assessed an annual fee of  XXXX  dollars on  my Capital One s mall business credit card. This fee is in return for a benefit of  two  percent cashback on purchases. This annual fee was to pay for this benefit the period of  XXXX   XXXX  through  XXXX   XXXX .     On  XXXX   XXXX ,  XXXX ,  Capital One offe red me a new, different product for the same account  - 1.5 percent cashback with no annual fee. I accepted the product, which they described as an " upgrad e. '' However,  Capital One  refused to refund the annual fee that I had already been charged, or a pro-rated amount thereof, seeing as how I would no longer be receiving the benefit of  a two perce nt rate of cashback.     Therefore, the promotion that was presented as an upgrade actually is not.     This refusal was made by  XXXX , who I was referred to by the corporate office.     I then made the same request to  XXXX , a senior acct. supervisor, who I was transferred to by the disputes department when I attempted to dispute the fee.      XXXX  said she agreed that I should receive the fee refunded but said she had no option to issue it, saying the refund could only be issued if there was an " offer '' available. She said she would escalate my request, but as of today I have not received any call back or refund.
This letter is in response a letter dated XX/XX/2018 from Portfolio Recovery Associates, LLC claiming I owe them XXXX. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay Portfolio Recovery Associates, LLC this amount.
On or about XX/XX/XXXX my vehicle was repossessed. The vehicle information is as follows : XXXX XXXX XXXX XXXX : XXXX I was never notified of a notice of Repossession, nor was I notified of the plan to sell the property. I contacted Santander Consumer ( Finance Company ) on XX/XX/XXXX to get a copy this notice and it still has not been received. They stated it was sent to the following address on XX/XX/XXXX. The representative that I spoke to stated that the letter went out to the wrong address ( so it was never received ). I always wanted to know why the memo went out on the day the vehicle was received. The representative said she was unable to answer these questions and also stated the President of the company will notify me. I still have not received this phone call from the President nor mail correspondence. 

Additionally, I am currently and have been serving on XXXX XXXX ( XXXX XXXX ) for the past 15 years. I am protected under the Servicemembers Civil Relief Act ( SCRA ). The Servicemembers Civil Relief Act prevents car lenders from repossessing a vehicle without a court order while in military service. This act protects me until I depart and separate from military service ( I am still serving ). 

I am disputing this case because I was not given the owed timeframe to recover the vehicle, nor was the intent letter sent to me before the vehicle was repossessed. Now this balance is on my credit report and has affected my score immensely. Additionally, there was no notice or court order, the car was repossessed illegally, I am disputing the payoff balance of {$4100.00}. 

I hope I get the justice I receive. 

Thank you for taking the time to consider my case. 

I can be reached via email at XXXX or by email at XXXX. 

Very Respectfully, XXXX XXXX XXXX
Equifax is only offering one year of credit fraud/identify theft protection - basically a trial period, for free. It then auto renews, and charges the consumer for the protection. 

As Equifax is the company that : a ) is responsible for exposing all of our information b ) rendered us vulnerable to credit fraud and identity theft - for life. 
It has now also put itself in the position of being able to *profit* from our need for perpetual protection. 

Worse still, if you use Equifax 's service, you must -in writing- state that you op-out of the arbitration clause, and within 30 days. 

As is now well known, the breech has exposed consumer information such as : social security numbers, bank account and credit card numbers, addresses, mother 's maiden name, drivers license, birthdays, investment accounts, account transaction information ( date, to/from who, amount, etc ), retirement and pensions, estates, medical insurance, XXXX, XXXX, medical records, court cases, legal actions and activities, subscriptions, prescription information and accounts, other licenses, mortgage/rental accounts, auto loans/insurance, student/college loans, driving records, voter information, potential tax return theft/tampering, etc., etc. 

As a side -but related, note, no one has yet discussed the potential for blackmail. How many people -including politicians and policy makers- might be held XXXX by the threat of revelation of some item they do n't want made public? 

The scope and scale of this breech is almost unfathomable. What can be done with all this data is unimaginable. None of the information exposed can be recovered, the damage can only be mitigated. The cost of such mitigation should be born by Equifax. 

A check of current companies that also provide such services has revealed that the cost of such protection currently starts -at min- $ XXXX p/year, per person. That means my husband and I will have to pay about {$500.00} p/yr for protection, for the rest of our lives, and possibly beyond that as it may have unknown/unforeseen impacts on estates. 

As the credibility and long term viability of Equifax may be in question, and Equifax is aggressively seeking to limit consumer 's ability to seek legal redress, Equifax should a ) pay for lifetime credit fraud and identity theft protection and, b XXXX pay for whatever company provides the service to the consumer - not just Equifax 's services and, c ) should completely eliminate the arbitration clause.
The original contract said I would not be charged interest for six months, but they charged me all along. Then, when I closed the account the charged me a lump sum of interest over XXXX dollars. The interest charge was only suppose to be at 14 % apr. but its 24 %. I have complained to the company but they say there is nothing they can do.
I attempted to obtain a credit report from Equifax ; however, I could not due to Equifax not being able to verify my identity. When applying for the report, I was presented a list of identification questions concerning previous addresses that I have never resided, a middle name not belonging to me, and a mortgage that I have never applied for.
The company will be called XXXX XXXX in the morning. Report to XXXX XXXX XXXX 2015, for an account opened by the store that was not supposed to have been created. Have been on the phones with XXXX for three months about this account. Have received final response that account will not be closed. Account was opened for a second extended warranty on a dryer. The dryer was functional and needed no repair at the time of service for washer unit. Employees dropped dryer. This is in XXXX records. Store required a new warranty to be purchased. Two months later, an agent from XXXX advised I should not have been made to pay an additional warranty ( original was approximately {$400.00}, unit on sale at time of exchange reduced second account to approximately {$250.00} ) and created a service ticket. XXXX records show collection efforts were to halt until a decision was made. XXXX was advised in the event they can prove the contract I signed requires I be held liable for the employee negligence, I would simply close out warranty account ; this way no money is to be collected and there would be no debt. Issue not resolved as of XXXX XXXX, 2015. XXXX reported delinquent account despite open ticket on XXXX XXXX.
I seen this company on my credit report XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them.
I had submitted a dispute to Green Tree Servicing regarding my account. A printout was then sent to me On XXXX XXXX. Whereby I sent a certified mail ( find enclosed copy ) on XXXX XXXX in response again disputing the debt. They acknowledged they were in receipt of it and to expect a written response within 30 business days. in a correspondence dated XXXX XXXX, XXXX. On XXXX XXXX, XXXX another correspondence stating an authorization from my husband is needed before information can be release. Green Tree Servicing has had an authorization since XXXX when they began servicing my account. However, one was sent via fax on XXXX XXXX. I have yet to receive a response. I received another correspondence thereafter dated XXXX XXXX that my account was referred to an attorney. Meanwhile, I had agreed to a 3 month trial modification for the months of XXXX, XXXX and XXXX with a payment of {$650.00} along an additional {$12.00} advance fee. I then received a permanent modification, I signed and returned it and I received a letter thereafter notifying me that I had returned the documents to late. My disputes were never addressed. Foreclosure proceedings were then filed. After looking at my documents I realized that my billing statements along with the transaction history were not consistent nor accurate. Excessive fees were being charged. My monthly payments were being deposited in XXXX account since XXXX. Extra payments were made by me to be applied to my principal were being applied to my escrow account. It was these types of practices and procedures that led them to the judgment against them in Federal Trade Commission and Consumer Financial Protection Bureau vs Green Tree Servicing, LLC. They have then merged with Ditech Financial LLC to bypass cease and desist order. Please help
I was let go from my job at XXXX, my job was moved to XXXX on XXXX/XXXX/XXXX. 

I looked for work in my field and i continue to do so but I coukldnt find anything with any salary close to that. 
I was making XXXX. 

I took a job as an XXXX XXXX, I am happy to be working but the pay is XXXX a year! 

So our income is down XXXX. 

I fell behind on my NATIONSTAR MORTGAE -it is a second mortgage at 10.75 % I have been paying XXXX a month since XXXX and ther balance is now XXXX on a XXXX loan! 

The company contacted me to say I ower all arrears noit just what I missed this year. 
I didnt know I was behind, They told me I was a year behind besides what I currently missed. 
I had been paying. I dont know where this extra year of being behind came from! I asked for a printout on my loan payment, they will not provide. 
I asked for a loan modification. I sent them documentation showing my hardship, they said I am not eligible. 
I tried to pay mothly payments in may - THEY SENT EVERY payment back and said, dont pay until you can catch up the full balance owed! 
I have this shown in my back - debit to Nationstar and they send it back! 
now i am father behind than XXXX and they will not work with me at all.
I called and spoke with a CFPB Representative on XX/XX/XXXX regarding the above complaint filed with CFPB. We spoke at length about my problem with a Reverse Mortgage Agreement entered into with Wells Fargo Bank in XX/XX/XXXX that was transferred to XXXX XXXX the first of XX/XX/XXXX. At the time of Initially applying for a Reverse Mortgage through Wells Fargo real estate representative XXXX XXXX, located in XXXX XXXX, Idaho, on or about XX/XX/XXXX, I went through a training session with a Community Action representative in XXXX, Idaho, in order to acquire the loan. Before the loan could be implemented, the training certificate had already expired. I had gone to California for a visit. Wells Fargo was in a rush and required me to sign the loan in California, though the property was in Idaho. They sent a notary to my friend 's house to get my signature on documents, who failed to show me the details of each page I was required to sign. Though the home I own is on five acres, in the process of acquiring this loan on my home, I was goaded into providing an additional parcel of land of another five acres. This additional land is a separate tax entity and is not included in the tax payment on my land. Regardless the loan documents were drawn up to include 10 acres. Taxes are always paid as a separate entity. The appraiser appraised my home and verbally told me the appraisal was {$370000.00}, an appropriate amount of the reverse mortgage was never funded, and the additional amount of land Wells Fargo would own was tacked on later. I endured the situation through the recession, but near the end of XX/XX/XXXX Wells Fargo notified me that another company, XXXX XXXX, would be taking over my reverse mortgage.
I have been trying to get a loan modification since my layoff in 2009, I have been denieded XXXX times by XXXX different loan companies the latest to be Bayview Loan Servicing everytime I apply my loan is sold. I am just looking for a little help in keeping my home. I will upload my hardship letter so you can read the whole story.
XX/XX/2018 I submitted a bill payment using America Express Serve in the amount of XXXX. XX/XX/2018 it was to be delivered. All went well until, XXXX XXXX XXXX advised to send a money order or pay in cash. They sent/mailed the check back to me. I got it and on XX/XX/2018 I filed a dispute with AMEX serve. 36 reps later, 5 migraines, and I still do not have my {$120.00}. I checked with the payment processing center number on the check they wrote and they couldn't do much to help me but they did say the stop payment was completed on their end. I have to pay my loan with those funds and they are holding them. here is a breakdown of the timeline of me calling : XX/XX/2018 Transaction was made XX/XX/2018 was the date it would be delivered to the merchant XX/XX/2018 the original dispute was requested XX/XX/2018-was told next follow up will be the XXXX XXXX I was told that i would be followed up with the same day. An email was sent to the back office and they responded saying I will be notified when credit is made to the account XXXXanother follow up was sent to the back office and yet no reply XX/XX/2018 advised dispute in process and that i will be notified once an update/advised 10 business days and still no resolution XXXX this is still in process and customer will be notified when the credit is placed on their account still no resolution XXXX Management above back-office would be emailed, today technically is the 10th day. so story changed again still no resolution So what it boils down to is that the back-office still did not provide any response but that " This is still in progress '' and we will notify the customer when it is completed 36 calls were made with no resolution at all. 
I have also written their feedback site, along with tried attorneys and I am not getting any help. Can you guys give me some hope??
They keep calling like XXXX to XXXX times a day saying I owe money to a bank in VT and that I need to pay it. They start off by telling me they have my social security number, my kids names where I work etc. They say I owe over a thousand dollars for frauding a bank. They also say this was from XX/XX/2010 I do not owe anything like this. I have asked them repeatedly to stop calling me at work and they call right back within a couple of minutes. They ask to speak to my supervisor at work. Its always the same guy but he gives me different names. He refuses to give me the address of where his company is. He states he has given me all the information he will give me. The only thing I got out of him is his phone number which is XXXX. He says the company is called Sullivan Assets Management but when you call it he answers with a different company name. He has sworn at me because I refuse to give him any information. They also have my email address but they dont send anything in writing. When I tell them I am reporting them to the Attorney Generals Office they say it wont do any good and that they will continue to call me. They know my age which is XXXX because he says to me someone that is XXXX should be paying their bills. Its harassment and possibly a scam and I would like you to look into this.
I and my husband are victims of wrongful foreclosure filed by The Bank of New York Mellon acting as Trustee for XXXX XXXX XXXX. 

On XX/XX/XXXX we signed a Mortgage Contract with XXXX XXXX XXXX , XXXX, who in XX/XX/XXXX was purchased by XXXX XXXX XXXX. According to the mortgage agreement, the lender was XXXX ; and XXXX was named as a mortgagee. Based on XXXX website, our loan has inactive status with XXXX and the Servicer is XXXX XXXX XXXX. 

On XX/XX/XXXX, or more than 10 years after we signed loan agreement with XXXX XXXX XXXX, the Bank of New York Mellon filed a foreclosure case acting as Trustee for XXXX XXXX XXXX. In support of this complaint Bank of New York attached a copy of the Note which has a stamp signature of XXXX XXXX XXXX, a well-known robo-signer and former managing Director who does not work for XXXX since XX/XX/XXXX. The Note was accompanied by purported " chain of endorsement '' signed by well-known robo-signer XXXX XXXX, XXXX " Vice President ''. 

In XX/XX/XXXX Bank of New York already tried to file a foreclosure case against our family, XXXX, but was not able to provide any documents. 

In XX/XX/XXXX case Bank of New York Mellon recorded an Assignment from XXXX to Bank of New York. In XX/XX/XXXX case the second page from XX/XX/XXXX Assignment of Mortgage was used as purported " chain of endorsement '' to our Note signed in XX/XX/XXXX. 

When we tried to contact Bank of New York Mellon and their Servicer, XXXX XXXX XXXX XXXX, to request copies of original Note with full chain of assignment, they failed to provide us this documents, as well as prove that our loan was a part of XXXX XXXX XXXX. 

In XX/XX/XXXX XXXX created at least XXXX XXXX, each worth billions of mortgages. Here are no single documents in support that our loan was part of XXXX XXXX and not any other Trust. 

Moreover, Statute of Limitation already passed to collect anything on this loan long time ago under all applicable laws. Furthermore, XXXX can not accept any securities transfers after 90 days from its closing day, which was no later than XX/XX/XXXX. 

When we asked Bank of New York Mellon and their Servicer, XXXX XXXX XXXX XXXX to validate payment amounts, they always sent me completely different amounts and were not able to explain how it was calculated.