WillisBack/dataset-financial-user-claim huggingface dataset:
Submitted CFPB complaint no. XXXX on XX/XX/XXXX, matter was resolved and the fees were refunded. This matter has happened again with the XXXX XXXX XXXX of California and Bank of America. The XXXX XXXX XXXX, calculated my taxes on information provided by my ex-employer United States Postal Service and put a hold on my account with Bank of America. I did my tax return and mailed it in about XX/XX/XXXX, the tax board did not receive my tax return and issued a hold on my account on my account which was received by the Bank of America on XX/XX/XXXX. Bank of America withdrew its XXXX legal fees, {$12.00} service fees and XXXX to be sent to XXXX XXXX XXXX. On XX/XX/XXXX had to fax tax return the previous tax return that I had mailed in was not received. Spoke with XXXX XXXX from XXXX XXXX XXXX, who assured me that no legal fees would be charged because she had emailed to the bank a release. I had previously received a letter from Bank of America stating the the funds would be remitted to XXXX XXXX XXXX on XX/XX/XXXX unless there was a release or court order to the contrary before that date. The funds sent to the XXXX XXXX XXXX were returned but the legal fees were not. The orders sent by the XXXX XXXX XXXX, specifically state : Retain any funds withheld for 10 business days from the date you receive this order. Bank of America withheld my funds on XX/XX/XXXX which is three days after receiving the order. The letter they sent me stated they would remit the funds in 17 days after they received the order. Notify the taxpayer and any other person listed on the account or accounts that you are withholding funds according to this order and the date you will be transmitting the funds to the ( FTP ). The bank was to withheld the funds for ten days and they notified me that they would be remitting the funds in 17 days from the date they received the order. Transmit any funds withheld to us at the end of the 10 days holding period unless you received a release from us. The release was sent from XXXX XXXX XXXX on XX/XX/XXXX. Revenue and XXXX code section Code 18674 ( b ) states in part : An institution may asses the account or account of each person receiving this notice a reasonable service charge not to exceed XXXX dollars ( {$3.00} ). I am asking for a refund of {$100.00} dollars legal fee.
I have a problem with ; CHASE My mortgage account with them is XXXX XXXX My XXXX 2017 mortgage payment was due XXXX 2017. The terms of the note allow 15 days from the due date to make a payment without penalty. 
On XXXX, 2017 at XXXX local time from Hawaii, I went online to my account with Chase and made the required mortgage payment. The payment was made within the allotted grace period time. 

They charged a late charge anyhow. 

I asked them to remove the late charge. 

1 ) They sent a letter to me refusing to remove the late charge 2 ) They sent a letter to me that assigned a dedicated relationship manager to the account with a " direct contact '' phone number. The letter is a lie. No direct contact number is provided. Only a general phone number in which I am forced to listen to a voice menu of five minutes in length. Despite repeated attempts to reach the " dedicated '' relationship manager I have remained unsuccessful. 

I want ; 1 ) A written apology 2 ) A reversal of the late charge 3 ) Reimbursement for the loss of my time 4 ) An investigation into the practice of assigning nonexistent relationship managers and the deliberate lying practice of assigning a " direct phone number '' when no such number is provided.
Equifax was contacted on XX/XX/XXXX requesting for the company to remove unauthorized inquiries from my credit file. In reciprocation, Equifax mailed me a letter demanding that I send a letter of deletion to the companies that had pulled my credit. I have contacted these companies requesting them to remove these hard inquiries and most of them didn't response. Equifax refuses to provide what method of verication was used to verify this information. Sending a letter stating that the company investigated my dispute and found the information to be reporting correctly is unacceptable. I'm requesting that CFPB to investigate this dispute with Equifax and make sure my information is reporting correctly. Please send any authorization documents bearing my signature that gave these companies the right to view my credit file. I have place identity fraud alert on my credit file because of this matter.
My mortgage company ( Ditech ) did not pay my homeowner 's insurance policy and as a result my insurance was dropped. I was not informed of this for months and was given lender-placed insurance to fill the gap. The lender-placed insurance was much more expensive than my previous policy, and of course is a stripped down policy. As a result of my homes mountain location, it has become difficult to insure and my previous insurance company could not give me my old policy back. I was grandfathered in on my insurance and after Ditech caused me to be dropped I was stuck without insurance and had extreme difficulty finding anyone that would consider insuring me. I am now getting closer to finalizing a new policy with a new company but Ditech wants to charge me more for their lender placed policy even though I was placed on this policy solely because of their neglect and inaction to pay my insurance company. It was their problem and they want me to pay to fix it, even after causing me to lose my solid insurance policy that I can never get back.
Santander Consumer USA. 
This financial institution repoed my vehicle window they were not supposed to. two different phone calls from their managers approved me for an extension during this time. During this time was Hurricane Harvey and they took my vehicle anyway. My struggle within is they had left the amount of {$15.00}, XXXX installment loan on my credit report to pay back. I have spoken with them numerous times made many phone calls and debates About the amount. They had agreed for me to only pay {$2.00}, XXXX to be released from this installment dispute that I have with them. But the amount of XXXX, XXXX Still Remains on my credit report and it damages me to receive any other type of loan or financial help whatsoever. As I had mentioned to this company that they had taking my vehicle after approving me two different times life extension they released me of my vehicle without justification other than stating I was legible for a repo. This was at a very unfortunate time of my life and family life with this being the only vehicle that this household had. just suffering from this financially and XXXX has drawn a lot of extra problems to this family and household. I'm still in debate with him on the final about a 2000. I do not believe that I owe them a penny for illegally repoing my vehicle after approving me two different times for an extension. Their words were I was not approved for a disaster opportunity. 
As I try to get myself back into another vehicle because of the damage of my credit they seem to be the only potential financial institution that could Finance me. But even on the simplest they don't like knowledge what they have caused and what they have done and they will not approve me even for the simplest auto loan. This is a very hypocritical company and I need this to finally be taken care of by the consumer federal government thank you!
National Credit System continues to attempt to collect a debt, that I do not owe. They have not responded to the 30 day independent verification.Debt Collector National Credit Systems , Inc . 
Account Details Original Creditor : XXXX XXXX XXXX  Account # : XXXX Balance : {$3600.00} Open Date : XX/XX/XXXX Credit Bureaus XXXX : Negative Latest XXXX Report Date : XX/XX/XXXX XXXX : Disputing Latest XXXX Report Date : XX/XX/XXXX XXXX : Disputing Latest XXXX Report Date : XX/XX/XXXX
I signed up for a CitiGold checking account promotion where XXXX bonus points would be granted if bill payment was used twice within 60 days. I have electronic confirmation that the promotion was linked to my account, that the requirements of the promotion were met, and that the points would be posted by XXXX/XXXX/16. On XXXX the points had not posted, so I inquired through chat and was told that they were scheduled to post that day. They did not post. 

I recontacted Citi on XXXX/XXXX/16. I was told that an investigation would be opened and I would be contacted by XXXX/XXXX/16 with the results. There was no contact on XX/XX/XXXX. On XX/XX/XXXX, I contacted Citi again and was told that they have no record of me being targeted for the promotion and the promotion was being denied. This is despite me having XXXX different confirmations by Citi - that the promotion was tied to my account, the criteria was met, and that the points were scheduled to post.
On XX/XX/XXXX I was notified by Wells Fargo text alert of suspicious charges which I replied by texting XXXX the response text back was that someone from the bank would contact me I went to my mobile online banking which there was 3 pending transactions in the amt of {$19.00}, {$45.00} & {$3.00} which left showing a balance of {$30.00} and change, I previously viewed my balance that morning XX/XX/XXXX which {$97.00} was available.I missed the call becaus I immediately contact the bank when I tried to answer my other line there was no one available so I spoke with a representative in thr customer services call center who advise me the transactions was real and that I was notified by Wells Fargo text because a {$40.00} XXXX transactions was trying to post which did not so thats why I was beginning notified she advised me that she was stopping my card ending in XXXX and requesting a new card I informed her that I just got the card because of a previous message where I was notified about this before I received the new card the representative advised me this was more common nowadays she confirmed that I only had {$30.00} in my cheking account she advised that we would do a fraud claim which was filed on XX/XX/XXXX got the claim number and transfered the call over to the fraud dept which was not open on Sunday. I went to the bank on XX/XX/XXXX for a temporary card. Now XX/XX/XXXX the call center customer services are saying that the claim was filed for {$19.00} and I had over 200 in my checking account on monday XX/XX/XXXX because they did not post over the weekend. My transactions reflected on Monday XX/XX/XXXX night under {$10.00} on my online mobile banking because of my transactions using the temporary card, the Wells Fargo supervisor is now telling me today XX/XX/XXXX that there was no claim for the {$45.00} & {$3.00} which fell off my account but I was given a provisional credit for {$19.00} which funds accounted because I went online after a deposit of {$170.00} posted on XX/XX/XXXX which I paid {$63.00} for a bill and the following morning XX/XX/XXXX I checked my account I had a available balance of {$120.00} which the {$19.00} provisional credit was posted. They are saying the funds has never posted to my account because they were in a pending transactions but online banking showed that those funds was not available in my balance.
US Bank sent me the attached letter advising me that " my '' request for a credit line increase could not be approved - but I never applied for a credit line increase. To the contrary, in an XXXX XXXX 2016 letter from me to the bank ( which was received by the bank on XXXX/XXXX/16 certified mail ) I specifically stated that I was NOT applying for a credit line increase and that I DID NOT want my credit pulled ( because it hurts my score ). US Bank 's attached reply indicates that the bank improperly performed a credit review against my wishes and ignored the substance of my XXXX XXXX letter entirely I had written to US Bank XXXX XXXX because I received a letter from them on that day, but dated XXXX XXXX, 2016 the bank reduced my credit line to only {$500.00}. I was shocked because i have excellent standing and history on my credit card with them which I referenced in my letter together with the inaccuracy of their citation to my credit score. I subscribe to credit monitoring and the score US Bank reported as justification to lower my limit was more than a XXXX point difference. That just was n't plausible. Plus the cited characteristics were inaccurate. I always pay on my account and was not even carrying a balance. But by lowering my available credit US Bank caused me damage because reducing credit does cause my score to drop, which it did - XXXX points. Ironically US Bank is therefore causing a negative impact to the score, which is what they are complaining about in the first place ( and which impacts my standing with other creditors ) This is all very upsetting and hurtful given that I am a responsible account holder. Moreover, after I took the time to write a detailed correspondence US Bank did not even send a meaningful reply. Instead, they delivered the nonsensical communication I have attached. They do n't value honest business. What a nerve!
I received a statement from  Chemical Ban k reflecting a balance of {$75.00} consisting of a {$75.00} annual fee for the line of credit PLUS  a 0.18 in terest charge.  Chemical  Bank also charged the {$75.00} against my line of credit.     When I called to inquire about this practice, I was informed that it was permitted by my contract. In all previous years, when the Bank  (  including their predecessor   XXXX   XXXX    )  sent an invoice for the {$75.00} fee, it was paid promptly.     This appears to be little more than an attempt to extract a paltry  0.18 i n addition to their fee.
We have our mortgage with Nationstar. Went to their website on XXXX/XXXX/16 to set up an online payment for XXXX/XXXX/16. Printed out a confirmation. On XXXX/XXXX/16, they took the payment out twice. Said they have requests for XXXX and XXXX for online payment. I never made an online payment on XXXX. This is the fourth time in 18 months they have taken double pmts out of our checking account. It has wiped out our account and we are incurring overdraft charges. When I asked to speak to a supervisor, they refused.
I requested a credit report from XXXX, XXXX, and expertain and they refuse to give me a credit report after I was denied credit.
I went to XXXX XXXX Institute From XX/XX/XXXX to XX/XX/XXXX, during that time I was injured in a XXXX XXXX XXXX accident at the facility where XXXX XXXX was located. I have been declared XXXX since XX/XX/XXXX, my first XXXX XXXX. My XXXX has been being garnished since XX/XX/XXXX at over $ XXXX/month. I have tried through XXXX XXXX, USA Funds and XXXX to get my school loan discharged, with no luck. I have gotten statements from XXXX, from The Dept of Education and have been trying to receive a statement from The Florida Department Of treasury, as to exactly how much money they have with held from me over the past 7 or so years. And XXXX states I still owe over {$15000.00} on a loan that was originally {$6400.00} to start with. I do n't know what else I can do to get this loan discharged. I am permanently XXXX and $ XXXX/mo is not enough to survive off of. PLEASE HELP!!!! I am my wits end.
Ive had multiple breaches of information and Im very concerned that much information is false and my identity and personal information is being used by someone else
On XX/XX/XXXX, I entered into an agreement with a website builder, to have a XXXX website built and delivered to me by XX/XX/XXXX. I made two payments with my TD Bank XXXX credit card for a total of {$1100.00}. After I made my final payment, and the site was partially turned over to me aroundXX/XX/XXXX, I realized that the site built was not the site I contracted for, per the written agreement with the website builder. I emailed to the Website builder that I did not receive the site that was contracted to be built, in the time frame that was specified in the contract. I requested to cancel the agreement and receive a refund, as the site built did not meet my needs. I was unable to use the website, and faced the added expense of building a XXXX  website, at an additional cost. The website builder in his reply email, acknowledge that he had built a site that he was not contracted to build, but refused to return my {$1100.00}. I filed a claim with TD Bank XXXX department. OnXX/XX/XXXX, I sent TD Bank all of the evidence to support my claim and they issued me a provisional credit of {$1100.00}. On XX/XX/XXXX, TD Bank sent me a response from the website builder and asked me to provide further information that the site built was not per our agreement. I had already provided all of this information in my initial package I sent to TD Bank. They requested that my response should be byXX/XX/XXXX. This second request from TD Bank was not dated, but there was a postmark date on the envelope of XX/XX/XXXX. I received the letter late evening of XX/XX/XXXX. I called TD BANK on the morning ofXX/XX/XXXX, to let them know that I was mailing my response back that day, since the letter was received late. The representative advised me to go ahead and mail the information and she would note my account that the letter was received after the deadline date. I also took a copy of the entire package to my local TD Bank branch to be faxed on XX/XX/XXXX.

To my surprise TD Bank had already closed the case on XX/XX/XXXX, even before I had received their request for information. They released the {$1100.00} to the website builder. This information was later verified when I received a statement from TD bank, which indicated that on XX/XX/XXXX they had re-posted the charge of {$1100.00} to my account.

I followed up with certified letters and phone calls to TD Bank, to no avail. In turn they sent me a letter stating that services were provided by the website builder. Which is totally false. I have all of the emails from the website builder acknowledging that the site built was not the agreed upon site. I ended up having to pay {$1100.00} to TD bank plus interest for a site that I was not able to use.
Bank of the West changed my " XXXX '' account to " XXXX '' in such a haphazard manor that I was unable to reconcile my account for 2 weeks. Instead of letting the " XXXX '' charges be recorded when I actually use the card, they transferred the most of my XXXX   charges to " XXXX '' before I ever started using that card. They did not just transfer one lump sum, they did a partial line by line transfer, then an undefined and unrecoognizable cumulative transfer. I don't think it was their intention to send me any further statments reflecting the activity on the " XXXX '' account, but it took me a lot of phone calls and a lot of waiting to finally get one - and it was very messy to work with. I was then able to reconcile this account, but then had to make another call and wait a long time to get them to transfer a {$200.00} credit that they had neglected to do. 
Their phone lines were excessively busy and it makes me think that I am one of very many unhappy customers. 
In summary, what should have been a very simple process for all concerned was turned into a nightmare because of a poor, clealy unhelpful, and maybe an illegal, accounting process. 
XXXX XXXX
Chase Bank allowed  XXXX   XXXX  to open a joint credit card without my authorization on   XXXX   XXXX   XXXX  .  XXXX  and I were never married and he had no authorization to open an account using my name. He has run up a balance of over {$14000.00} and has not made a payment since   XXXX   XXXX  . I only learned of this account when i noticed my  credit score dr opped. When I called Chase, in  XXXX  of this year, they informed me that  XXXX  had opened the account. I informed them that he must of obtained my SS # from custody documents from our children.
I am trying to find out how I have medical bills in my name that I have never received a bill for and I would like to be shown proof of how these bills are mine and where they addressed the bills too I never received any bills because I did not make them. I want to see some type of proof that they have that identifies me making these bills when the dates on them do n't even account for me living in or around the area these bills claim I made.
I received your partial response asking for my personal information. Name  XXXX   XXXX   XXXX  Address  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  CA ,  XXXX . Soc-  XXXX . I will attach a copy of my Experian Credit report in addition, a request for accurate validation such as Name, Address, and  Telephone numbe r of the person that validates the item in question.
My husband and I signed a " Retail Installment Contract '' with Service Finance Company , LLC for the purchase of new laminate flooring for our property in XX/XX/XXXX, with a set payment amount each month. When we began the process of selling our home in XX/XX/XXXX, we discovered that a lien had been place on our home for a past due payment to Service Finance in XX/XX/XXXX. We never received paperwork or notification of this lien. The loan balanced was paid in full when we closed on our home in XX/XX/XXXX. Service Finance, LLC ensured us that this loan was only an installment loan and was not tied to a mortgage on the dwelling, however, the credit bureaus have this loan classified as a mortgage account. Service Finance, LLC will not appropriately reclassify the account after multiple attempts to resolve this error at the consumer level.
Dear XXXX XXXX XXXX ( XXXX/XXXX XXXX XXXX XXXX ) You illegal tactics involving private student loans XX/XX/XXXX-XX/XX/XXXX is being investigated. Today the CFPB and congress has struck down the binding arbitration rules. I will file a criminal complaint against you, you have been going into my credit files and selling my information to debt collectors. You need to re-validate and check the payment history on the student loan. These loans where securitized, and have been written off at some point in time. You have no claim and authority to proceed with collection activity. The original note has been paid.
I did not authorize   XXXX   XXXX   to run my credit score on  XXXX   XXXX   2017  ... ..was not present. The bank made a hard inquiry on my credit that dropped it way down. I did not know anything about this or who they did it for but I did not give consent for this. I believe it was for a loan of some sort. I have n't applied for a loan in many many years, and never with this bank.
Complaint is on Money Gram service, where I tried to send {$1100.00} to my sister due to an emergency. I used my charge card and the transaction is pending, and Money Gram notified me that the money was ready for pick up. When my sister, XXXX XXXX tried to pick up the money, she was told to have me call Money Gram. They transferred me on the phone, around and around until I finally got someone to say that they were cancelling the transaction, due to suspicious circumstances, whatever that means. I gave them all my information, including my license number to no avail. Each person I was transferred to was more and more frustrating to deal with. Eventually I used another service agency with no problems at all. The problem that I have now is that they cancelled the transfer, yet did not reverse the transfer with my charge company, so the transfer still shows pending, and I have my available money with my visa held up in this pending situation. All of the details are on the attachment enclosed. I will never be using this company again. Although I have used this company many times in the past, never have I had such a problem, with them offering no real reason for what they did.
Please remove the following inquiries in my report. They dont belong to me. I contacted the creditors and asked to send me proof. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX