WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a mortgage loan. The monthly payment was advertised to be a low payment. However, within the first year of the loan, the monthly payments kept increasing until I was not able to afford the payment anymore. The bank has changed several times. The loan has been transferred to several entities as you can see it on the summons and complaint and bank correspondence. I tried to do a loan modification but the bank, previous bank, claimed that my application was incomplete when I sent all the documentation required under the XXXX guidelines.
In XXXX 2017 I went to the BB & T bank in person to open a savings account. I sat down with a XXXX XXXX filled out all the necessary paperwork and provided all my personal information including my social security number, an account was placed and set up in my name XXXX XXXX XXXX, the total amount of my deposit was {$30.00} dollars, I explained to the XXXX XXXX that the XXXX dollars was valuable to me especially a {$5.00} bill that had three XXXX in it, I had saved that {$5.00} for approximately one year while being homeless. Also the other {$25.00} dollars was given to me from my daughter who I had been separated from for approximately 12 years wit only 2 small visits and was reunited with her in XX/XX/XXXXas you can see it is clear that I wanted this deposited money to be protected and safe in a account, no matter how small the amount.. I left the bank happy with an account. A few days later I went to make a small deposit at the drive through window and was told that the account was frozen and that I could n't make any deposits, to call a number ... a few days later I received a letter from BB & T stating that my name was in XXXX XXXX and that the bank has closed my account. My account has been closed with no check for my valuable {$30.00} dollars ...
I have attempted to contact Eastern Account Systems by mail, email, and phone to verify an item that appears on my credit. I have never received any written communication from this company that I owe them anything but, it was added to my credit file. There has been no response to written correspondence ( U.S. postal mail, email ), and I was instructed to leave a voice message when trying to reach them by phone. I have yet to receive a response from them.
I just want to let you know that I never had an American Express card. I want it off my XXXX report because it should have never been there.
I have been living in XXXX for 6 years someone stole my identity from my home st XX/XX/XXXX but capital one will do nothing to take care of this again I have been living in XXXX since XX/XX/XXXX
I was contacted by an employee of Capital One on XXXX XXXX, the employee made a threatening voicemail stating " call me back or come back with a XXXX ''. 
After reviewing the voicemail I contacted Capital One to file a complaint and was told that upon review of their recording the agent was n't aware that he was leaving a voicemail and was having a personal conversation. I was told that he stated that there was a quarterback that XXXX however, my voicemail states something completely different. I reviewed the voicemail again and sent the recording to XXXX XXXX via email and was never contacted again. I am extremely upset that I received such a threatening voicemail and the issue has not been resolved and has been completely ignored by management.
I called and they immediately asked for me and gave out last 4 ssn #. Before even verifying who was calling in. I never identified myself, i advised she just released personal information with out verifying who was even on the phone. She said that she is not breaking any laws giving out the last 4 ssn, ) now i called into the company, from a previous call that i had been hung up on when I refused to id self and asked what company he is from, he said wrong # and hung up. ) When i told her it is not okay to give last 4 of anyones ssn and name before even knowing who is on the phone. I asked for a manager, she refused, multiple times, kept cutting me off, finally put me on hold, came back said manager was busy, she could give me his voicemail.
I was aware of that my account with Rush Card would be going through a system update on XXXX XXXX, 2015 from XXXX to XXXX. I new I would not have access to my funds during that time frame. It is now XXXX XXXX, 2015, XXXX and I still am unable to access any of my Money. I have called Rush Card Customer Service on multiple attempts to experience XXXX hours waiting times and never have been able to talk to any Rushcard Representative. I have sent XXXX emails so far to rushcard customer service about my account issue and I have got only XXXX response that my account could not be found and needed to send another email with more info so I could get assistance. I have sent that info and have yet heard back from rush card well over XXXX hrs now. My Account balance was at {$0.00} for sometime and now is showing the correct balance but my account is still in " pending activation status '' which I still ca n't access my money. I ordered a new card in hopes of being able to transfer funds to this new card but Rush card has deactivated the ability to transfer funds. It says an error has occurred and to contact customer service. This makes me think they do not want me to access my funds at all by blocking my card and ability to transfer my money. They are giving false info about accounts have full access now and only means of any info is there XXXX page. That leaves me in the dark on when or if a fix will occur.
I 'm being with held my money from rushcard. Not able to withdraw my money from the atm for a week now. I 'm a new single mother with a XXXX month old.
I have written at least 15 CFPB complaints about the Servicing Mortgage Company, and no action has been taken. I received a Certified Letter dated, XX/XX/2018, from XXXX XXXX XXXX XXXX, XXXX XXXX, Assistant Vice President informing me that a copy of my complaint has been forwarded to SPS Inc., and that SPS will provide me with a separate response. 

This issue was elevated by me to XXXX XXXX XXXX XXXX, XXXX, after numerous written attempts directly to Select Portfolio Servicing., Inc. , ( SPS ), for them to provide me with written proof of Real Estate documents, reflecting the Sale/Transfer of the property from XXXX  XXXX XXXX , as the XXXX County Georgia Superior Court records only show XXXX  XXXX as the owner. 

According to 15 U.S. Code 1692g - Validation of Debts, this is the Federal Law, and SPS is not complying with the law by not providing me with that inmformation.
XX/XX/XXXX ACI /XXXX , XXXX . 
{$350.00} Contacted XXXX , XXXX. and requested this debt be removed from my information. I was told it was from XX/XX/XXXX. Advised representative that I have never had a credit line through XXXX and only opened a XXXX account that is attached to my bank account in XX/XX/XXXX. Was advised it looks like fraud. No info on what they are doing to resolve issue .. XXXX , XXXX. And ACI seem to be running a scam because there is a message board with tons of complaints about this. 

ACIs phone number is ( XXXX ) XXXX PayPals phone number ( XXXX ) XXXX Please inform
To Whom It May Concern : I am writing to report bad business practices on behalf of JP Morgan Chase Bank. On the morning of XX/XX/XXXX. I became aware of a negative balance in my checking account. Upon  reviewing my recent transactions, I was able to see a negative {$200.00} balance in my account. Approximately {$100.00} ( {$34.00} ) of this - {$200.00} balance were late charges by JP Morgan Chase. Yesterday, all the way through till XXXX my checking account remained in a positive balance. JP Morgan Chase claims that two checks that were written earlier in the month were cashed yesterday, later in the day ; however, this was on evident on my part because my balance still was positive the entire day yesterday with no pending transactions. If I were to see the checks as being posted yesterday, XX/XX/XXXX, I would have deposited the money before XXXX to cover these checks to avoid any late fees. JP Morgan Chase has intentionally taken advantage of me the customer to deepen their profits as a bank. My husband, who is also on the checking account attempted to rectify the situation this morning and spoke with the bank, and they refuse to accept responsibility for this intentional act to make a profit on late fees that are purposely being applied deceitfully to profit off of the average middle class U.S. citizen. Again, if I were to see that there was a negative balance yesterday, I would have immediately covered it with depositing funds. This is not the first time JP Morgan Chase has intentionally charged our account. Within the past two weeks, they charged us overdraft fees when they also were not supposed to do so and claimed that it was unintentional and was a mistake on their part. This excuse is hard to swallow being that their system of charging late fees should be automated by computers. I wonder how much of JP Morgan Chases yearly profits are due to these practices? I believe that these examples warrant a thorough investigation and deserve to publicly be exposed. I intend to bring media attention to this as well and will advise all not to bring their business to JP Morgan Chase due to these practices. I am currently looking elsewhere to open a checking account, and I do plan on closing my account with JP Morgan Chase. I will also be looking into legal advice regarding taking legal action against the deceitful practices of JP Morgan Chase. I look forward to hearing from you soon. Thank you.
Sincerely, A concerned United States citizen and soon-to-be former loyal customer of JP Morgan Chase
Hello, I just received a notification from my credit monitoring agency that a company by the name of CAPIO PARTNERS LLC has flagged my credit file on XXXX/XXXX/2016 and reported a collection account. I have never heard of this company before today, and had never received any demands by phone or mail regarding same. I called this collection company after I checked my XXXX credit profile today and spoke with one of their associates who immediately started negotiating a settlement, however, I demanded answer as to why they never sent me any mail or phone call me in this regard. The associate repeated the address that they ( supposedly sent sometimes on or about XXXX XXXX 2016 ) and she verified the address the mail was sent to but, that did not include my unit number. My condominium complex has over XXXX XXXX units and that 's the reason I never receive any identifying demand letter, with all mandatory legal disclosures, account information/number, etc. from CAPIO because they failed to put my full and complete address so that my rights would be protected. Then, the associate transferred me to her supervisor, and after several minutes being on hold, the supervisor came on line and immediately started offering XXXX % discount, if I settle the account with the company. I demanded explanation as to why the initial demand letter was not sent to my address accurately. The supervisor began back tracking about my unit number and claimed the associate was wrong and that the unit number was on the address. He tried to cover this up ; Nonetheless, I never received any mail in regards to this claim of debt. 

After my conversation, I feel, this company 's intentions are questionable as they tried to settle the so called debt at the time I was trying to verify who this company is and why was n't I given the due right to review their claim and respond accordingly. This unjust action has caused a XXXX point drop in my credit score today which will immediately impair my credit worthiness thus creating a major setback at the time my family is financially struggling to survive. This company acted intentionally maliciously to force me to settle a claim which is not proven and will surely be disputed. Another company had filed a claim regarding same and they could n't prove the debt and they threw it out. I do n't owe thus there should not be a flag on my credit profile until the debt it 's proven.
I just recently saw an account that appeared on my credit report from Midwest Recovery Systems. I have never received any type of letter, bill, phone call, or anything from this third-party debt collection company. They have not verified or validated any type of debt with me. I do n't know who they are collecting for but I do not who these people are and do n't owe any original creditor this amount of money.
A company name XXXX XXXX made three hard inquiry once a month onXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my consent. A company name XXXX XXXX made a hard inquiry on XX/XX/XXXX also without my consent. I have never seen this show on my credit report until recently, and i check my credit report via XXXX XXXX daily.
XXXX XXXX, a dubious debt collector, is making false statements claiming that I am not making direct payments on my student loan debt to the student loan company, XXXX. These statement ( s ) are adversely affecting my credit report. I have in fact continued to make monthly payments each and every month to XXXX without fail and furthermore XXXX has continued to receive and deposit these payments into their account.
We have been current on our car loan for a few months now. We disputed the correctness of the debt and the company sent letter agreeing they are reporting incorrectly. 60 day lates and repossessed. They stated they would correct this. They still have not after reporting 3 months in row. This has totally hurt our credit score or any chance at purchasing our home.
This is a general complaint that I would love to see CFPB take up. I find it outrageous that credit card companies often do NOT show us our running balance on our credit cards. I just called USAA because the numbers were n't adding up and even the friendly guy who answered had to calculate all my expenses one by one because he could not see the running balance. It 's 2015, there 's no reason these banks can not keep a running balance. This only increases the chances for manipulation and is a complete lack of transparency. I think we should make it ILLEGAL for credit card companies to not show the running balance. Thank you!
After review of my credit reports I noticed a collection from Consumer Collection Management, account # XXXX in the amount of {$1500.00}. I sent Consumer collection management a certified letter requesting validation of debt. I received a letter from CCM which was a print out from XXXX XXXX stating I owe a debt with only the month of XX/XX/2016 provided. 

Consumer Collection management placed this debt to my credit reports without providing me the initial 30 day notice of debt. I am unaware of this debt and I would like CCM to provide a contract with my signature stating I owe CCM the alleged debt.
I have reached out to this company in writing about this account. I do not know who this company is and they failed to remove this or provide any information on the account. This is negatively effecting my ability to get approved.
Numerous transfers with my account to another party that I have no affiliation with.     I contacted bank of america and clearly they did not do their due diligence. They clearly did n't verify any information between me and this individual. Bank of america remained unable to be contacted even after I called numerous times for an update. I want all quick pays sent to   XXXX   refunded back to me {$1300.00}. I do n't know this individual as I explained to Bank of america. In addition, I have also filed a police report.  XXXX
XX/XX/XXXX TO : TD bank RE : {$450.00} promotional bonus, at least {$75.00} fees, personal time {$2000.00} to collect unpaid bonus, credit damages {$25000.00} for failure to close accounts under asking On XX/XX/XXXX I already filed a complaint against TD Bank for failure to pay {$450.00} promotional bonus. Now this bank continued to drag me without my consent to cause extra fees at least {$50.00} plus credit damages. I am not going to repeat that both of my accounts ending in XXXX and XXXX have already met promotional requirement. For example on XX/XX/XXXX a direct deposit more than {$2500.00} has been deposit to premium checking XXXX within 90 days of account opening. On XX/XX/XXXX another direct deposit more than {$500.00} has been deposit into convenience checking ending in XXXX. Since both of these two accounts met promotional bonus requirements, therefore I insist to ask {$450.00} bonus plus my extremely precious time to contact TD bank in person for at least 5 times including branch visit, phone, and secured messages. I spent at least 10 hours at {$200.00} per hour to collect this promotional bonus for {$2000.00}. On XX/XX/XXXX when I called this bank again to ask promotional bonus and extra fees {$25.00} caused by this bank for failure to pay and close the account. The representative named " XXXX '' told me that the {$300.00} bonus for premium checking XXXX will be posted on XX/XX/XXXX. I had asked this employee to give me her ID number and her last name plus reference number regarding her statement, however she told me that she made statement on my account to ask me to check the {$300.00} bonus on Monday XX/XX/XXXX. On Monday I checked the balance that NO any {$300.00} credit was posted on my account then I feel that I was cheated by this bank. Subsequently there was another {$75.00} fee were posted on my account which further damage my credit. On XX/XX/XXXX I left another message to TD bank XXXX branch to ask them to pay {$450.00} bonus and close both accounts. However this bank totally ignore my message. I had terrible experience with this bank not only this bank cheat consumer, but ignore my constant complaint to close two accounts which caused extra fees {$75.00} plus credit damages {$25000.00} and my personal time {$2000.00} to collect promotional bonus. This bank had terrible customer service to cause me at least 30 minutes to reach customer service by phone which is extremely inconvenient. I never had experience to have overdraft to damage my credit. At this time, I am asking restraining order against this bank to continue to drag consumer without my consent for failure to close both accounts. Since both accounts exceed 95 days after terms and conditions were met, I am asking to pay {$450.00} bonus, {$25000.00} credit damages, at least {$75.00} fee, my time {$2000.00} to collect bonus since XX/XX/XXXX to present time. Also close both accounts immediately to prevent further fees and credit damages. Delete all banking information I am not willing to bank with company anymore due to cheating.
Applied for Citi Costco credit card and was denied because of not matching information. When I called city they told me the phone number I listed is not matching with the one on XXXX. Kind of loose rule to st because of not matching phone numbers. My FICO score is XXXX otherwise.
I am making payments to ECSI and I am trying to understand the " fees '' or " charges '' associated with paying my loan. My concern is specifically around " Service charges '' that are applied when you pay your loan using certain payment methods. Financial institutions are to disclose all " fees '' or " charges '' in accordance with UDAAP to the consumer. I do not believe ECSI is doing this and should be held accountable ( although " Federal '' ) to the same standards as all other lenders. 

If I log into my bank and pay my loan with the institution I should first be aware of all fees associated and these fees should be fair to me. In regards to my student loan and I am a young professional trying to get on my feet. I took the loan because of the interest rate and I did n't have many other options. I am now paying on my loans and everytime I go to make a payment I am being charged a " service charge ''. This service charge appears to be different depending upon the payment method I choose. In addition, the charge seems to go up depending upon the amount I pay on my loan. The greater the amount I pay the more the " service fee '' goes up. My questions I would like answered : 1. Why is there a " service charge '' being applied to student loans each transaction a when a young professional is trying to pay their loan off? This seems unfair and does not keep the customer first. 
2. Why is this " service charge '' not disclosed online and why are the details of how they come to the " service charge '' not disclosed online? This seems deceptive and unfair. 
3. Why does this " service charge '' go up based off of me paying more on my loan? If anything the service charge should go down when I pay more. I was charged {$4.00} sense for paying a {$100.00} amount with my Debit card. The fee goes down to {$2.00} when I pay {$40.00}. This seems unfair, deceptive, and abusive to the consumer. 
4. Why is the " service charge '' different for each different type of payment method and why is this not disclosed to the customer as to why each different type of payment method is different and how they come to the charge? This seems unfair and deceptive. 
5. The Federal Government should be held to the same standards as any other Financial Institution due to them becoming a money lender. When a student who is trying to do the right thing and pay off their loans is being nickeled and dimed in addition to the interest that they are paying and any other late fees just to make a payment it is not right. Every time I make a payment I am being charged almost {$5.00} dollars in addition to the money I already owe. Does this compare with the standards regarding how banks process loans? 

In conclusion, the volume and likelihood of this happening to all other students is very high. The amount of money being collected from " service charges '' appears to be unfair, deceptive, and abusing to the borrower.
XXXX XXXX from this agency called to collect an amount that he claims I owed to a prior landlord. This amount is in dispute. The landlord engaged in deceptive business practices and violated the XXXX XXXX XXXX by failing to provide services such as running water. XXXX XXXX repeatedly attempted to question me after I requested that he stop asking me questions. He threatened me with negative action against my credit rating and implied that other bad things would happen to me and my credit. Again, I told him that I was in a legal dispute with his client, but that did not keep him from harassing me with additional questions.
They called my home phone ( calling from XXXX ) stating that were calling on for XXXX ( which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... and I do n't even know where that is ) and that they were MACS regarding a 'check protects claim. ' If I did n't handle this immediately, that it would affect my bank and banking. I was instructed to call XXXX. I work in credit and collections and would NEVER consider this a valid claim as I have NEVER received any physical correspondence relative to any debt due and owing a hospital or otherwise. 
I used XXXX and called back XXXX and got a strange tape recorded message stating that the number was n't in service. I then called XXXX and when I asked them what the call was about and mentioned the FDCPA, they guy on the other end stated, " He did n't care about whatever the FDCPA-was I was talking about. " I work in credit and collections and strongly view this manner of debt collection as improper and negligent, not to mention downright unlawful.
I made all my truck payment on time since XXXX of 2017. That's when I took out the Loan never Missed I payment till XXXX. I had a death in the Family and could not make the Payment by the due date. I contacted XXXX XXXX and told the money was not in my checking account for the XXXX XXXX payment. The payment was due on the XX/XX/XXXX but since I had auto payment the payment was moved to the XX/XX/XXXX. I made a double payment on the XX/XX/XXXX, Then on the XX/XX/XXXX XXXX XXXX took out of my checking account another Payment for XXXX which is the XXXX payment so if they take the auto payment out on the XX/XX/XXXX of Month for the last 17 Months why would my payment be 30 Days Late if I made the payment on XX/XX/XXXX That is 30 days and they can not call it late till the XX/XX/XXXX.