WillisBack/dataset-financial-user-claim huggingface dataset:
I have banked with SunTrust bank for nearly 20 years, in addition to having XXXX with them for 5 years and being one of their most decorated XXXX in XXXX, FL ( SunTrust XXXX ). After having XXXX and banked with them for so long, I received a letter in the mail stating my accounts were set to be closed and no further information about this decision could be given -- and that the decision was " irrevocable ''. 

I received the same letter last year from XXXX XXXX in Client Services, but was able to overturn the decision based on the fact they KNEW me and their issue at the time was incoming wire transfers from XXXX XXXX. I explained that I obtained a job in XXXX XXXX as a XXXX. I was simply transferring part of my salary, once a month, to SunTrust. It was black and white and I told them I could send them my employment letter and proof of income, if needed. A week later, they stated all was well and that my accounts would remain open. 

Now, one year later, I received the same account closing letter. 

My father wired in {$200000.00} from abroad 3 months ago. My father XXXX and I let SunTrust know the wire was incoming and contacted the branch manager to make sure she was aware and also to let me know if there were any forms or documentation they needed from me. 

At that point, the branch manager stated all was well and convinced me to open a money market account to keep part of the money in, which I did. She also stated I should use my checking account more often since SunTrust is such a convenient bank, which I ALSO did. I routed some of my business direct deposits through the account ( since I was a sole proprietor and the business was simply in my name, she stated that would be okay ). I shared with her my online store addresses, which were adequately successful and which were the source of my deposits. So I started receiving my earnings in my SunTrust account and moved things around to make it my primary account. 

Next thing I know, two weeks ago, my internet banking could not accessed. I called in and they say a letter has been sent to me stating my accounts were set to close. Reason? None given. I spoke to a VP in Client Services named XXXX XXXX who provided no explanation or reason, and that my account would simply be closed. 

This happened after I received {$200000.00} and after I opened a money market account with them, at their request, and after I started receiving my deposits primarily through SunTrust. 

The inconvenience this caused was significant and nearly crippling the short term, and the fact they even asked me to open further accounts then closed them was a slap in the face, especially since I 'd also banked with them for so long AND XXXX for them too. My account has been exemplary, no overdrafts, never any issues. 

I believe the closing is purely an emotional decision made by someone who did not study my case properly, or someone who has shown bias to an XXXX XXXX name ( even though I am actually XXXX ). I had {$100000.00} in the bank when they closed the account, most of it sitting idle in a money market account. 

I am certain this is a story the media would devour, but I prefer going a more civil route. For now.
I have been contacted by XXXX XXXX regarding an alleged debt that they are saying I owe. I have no idea about this debt and I am very frustrated that they have put this on my credit report. They have sent me a contract with typed name on it which is not a signature. Anyone could have typed this template contract up. They have still not responded to my letter that has been sent to them asking for a mac address id where this alleged electronic signature was generated from. XXXX XXXX have been very rude when I have been asking about this alleged debt. The contract says MONEYKEY but my credit report says XXXX XXXX XXXX which is two different companies,
Applied Online and was Pre-approved for a personal loan of XXXX and XXXX secured with a vehicle. Based on a monthly income from all sources of XXXX. After discussing offer over the phone and learning I worked at a XXXX bar they 'forgot ' to include my stock dividends and capital gains income. So I was only approved for XXXX unsecured loan based on XXXX monthly income.. After documenting assets and income with bank statements, brokerage statements, profit and loss statements for self-employment ... They decided I did not qualify for a XXXX loan with proof of XXXX figure monthly income and XXXX of stocks and liquid assets. 
I think this decision not to lend is not based on any logical evaluation of my ability to repay. But rather discrimination against me on the basis of my assumed XXXX orientation XXXX XXXX nightlife entertainer ) or religion XXXX my LinkedIn mentions an XXXX student group I led in college. )
My husband has a CitiAadvantage Master Card and Visa and we have a XXXX XXXX. 
Everytime we try to use the XXXX card, unless we are in the XXXX in XXXX, it is rejected. I have been embarrassed so many times, including just trying to use it in a convenience store to buy a grandchild a coke and candy bar. The total was {$4.00} and was rejected. Last month we were in the XXXX in XXXX Florida. We had just purchased a second home there and were buying TVs for the new home. We used the XXXX card and very loudly the check out person said " This card has been refused. What do I do? '' Needless to say we were humiliated. We paid with a debit card. In the meantime, Citi Bank called my husband 's place of employment and told his assistant that he was suspected of fraud in purchasing TVs. More humiliation. I called CitiCard customer service. After being hung up on once, and on hold forXXXX+ minutes I was told that our account was blocked because of either bad credit, late payments or overlimit spending. First, I have an XXXX XXXX score, we have never had a late payment and I know it 's not overlimit because we ca n't use it. I was told by a supervisor that they would look into it. I 've not heard back. Now he is unable to use his other XXXX Citi cards. He was in the XXXX store on Monday to buy my Birthday present. He was totally embarrassed when the Card was rejected. When he contacted Citi they said it was a suspected fraud and he 'd have to contact fraud department. He e-mailed them his complaint and received back a reply stating Thank you for contacting the fraud department. We are happy we could resolve your problem. They did n't resolve anything. He 's e-mailed twice more and gotten nothing but form replies. We have been humiliated time and time again by Citi Bank.
I received all of my loans from Navient while it was XXXX XXXX. I also have all of my federal loans serviced under it. I graduated in XXXX and immediately after graduation could not afford the loans. I used up all of my forbearance and did this because the only option they gave me was to force my cosigner to pay. There was no income based repayment. This cost me more money - I did this for XXXX years. I made payments for a year, and then because I could not afford such a high loan rate with just my XXXX credentials - I went back to graduate school for 3 years. My loans were deferred this whole time. 

Unfortunately - graduate school just added more interest to my loans. I am nowXXXX years old and owe $ XXXX to Navient. I also owe another {$45000.00} to XXXX ( not on my Navient account ). This means I have over {$220000.00} in debt. I only make {$60000.00} a year - I will never be able to pay this back unless I do not have a family and never buy a house. My life is over. I currently my {$670.00} a month payment from Navient and my {$400.00} from XXXX ( the XXXX XXXX XXXX ), I pay 1/3 of my income just to loans. XXXX also refuses to income back repayment -my payment instead goes up. Unfortunately, even if I do get income based repayment at this point - still owe over XXXX so I feel pretty hopeless. I have no savings and my loan payment goes up every year as I make more money - I ca n't get ahead. I can not do another forbearance and my parents can not pay my loans because they are currently already paying my siblings loans - all form Navient. My brother also owes XXXX and is in the same situaion. My entire family 's credit and lives have been ruined by this company. If it were not for my debt - I would be successful citizen who can help our economy grow. I have a XXXX XXXX in XXXX XXXX and I work as a XXXX in the XXXX XXXX XXXX XXXX XXXX. 

my dreams will never come true. I sometimes wonder if college was not the biggest mistake of my life - I 'm not making more money because of my loans- perhaps I would have been better off debt free with a lower wadge. I have no financial security and fear for my well being on a regular basis.
I received in XX/XX/XXXX a letter from Ocwen claiming {$1000.00} for past mortgage payments and threatening with foreclosure. They don't specify which payments were missed nor provided any dates whatsoever. Attached please find documentation of the latest payments made to Ocwen as well as their regular statements in the amount of {$210.00}. 

Ocwen is notorious for their substandard accounting processes. 

In the past Ocwen claimed amounts that were not due and and resulted in a refund to me for consecutive over-payments. This process took about a year, they unnecessary reported me to the major credit agencies and affected my credit rating. Finally they had the rectified and send a request to agencies to have reporting removed. This was XX/XX/XXXX. Confirmation # XXXX. Letter attached. 

Ever since I have been receiving statements requesting the regular payment of XXXX, but the last payment submitted in XXXX for the month of XXXX was returned and a letter asking for XXXX ( the equivalent to 5 months payment ) was received on XX/XX/XXXX. 
Letter attached. 
We have never missed a payment nor being late ever since it was open in XXXX. I have some health issues and this is contributing to its worsening. 
They are threatening with foreclosure and of course damaging my credit again ... I can't keep on being the object of the malfunctioning of this company again. 
They are not communicating in an effective way, just doing on their own.
How it started ... .. 
I have questions regarding my mortgage ( non escrowed ) account. Ditech established an escrow account by paying a school tax early XX/XX/XXXX - {$570.00}. I have always paid those taxes at the same time every year and never had an escrow during the duration of this loan. After the Escrow was added, I was told I could remove the Escrow by paying the balance of the Escrow ( plus tax and fees ) and drafting a letter stating the request to remove the Escrow. The Escrow payment was made, then I received a letter stating I had an Escrow Surplus and Ditech returned money via a check. I have had over 12 different account managers during the process of attempting to remove the Escrow, and received numerous denials citing " payments have been 30 days late '' or " Funds have been advanced on your behalf ... '' after being assured that the last money pay off the Escrow could be Reallocated and removing the Escrow would not be a problem. I have appealed the denials several times.

My Problem ... I need an Audit of my account.

I believe my payments are being applied to a different account. After GreenTree changed to Ditech my payments have been shown as delinquent by the Ditech computer system. Even though I submit an electronic payment and it is received and posted to my bank account Ditech sends a delinquent letter.

Ditech will not allow me to remove the Escrow. I have never been late in the last year. I was granted a Forbearance due to Hurricane Harvey, and continued to make timely payments to my mortgage. Ditech also added other fees which I paid in full so that I could remove the Escrow.

I need a dedicated Ditech Account manager for the duration of the loan and I need to pay off the mortgage asap because Ditech has been the worse and most stressful experience of my life.
WE ARE HAVING TROUBLE WITH OUR MORTAGE COMPANY. WHEN WE PAY OUR LATE FEES THEY ARE NOT BEING APPLIED AND NOW WE HAVE THIS LARGE AMOUNT DUE IN LATE FEES..WE HAVE CALLED AND WE GE THE RUNAROUND. WE WANT TO KNOW WHERE IS OUR MONEY THAT WE ARE PAYING.
we refinanced our mortgage last year when rates were lower and we had nationstar, they gave us to XXXX who said they are the parent company. 
XXXX told us how much our payment would be a month which was {$660.00} and we wanted the lower payment from our {$720.00} range so we decided to do it. At that time we owed {$76000.00} and after the refinance it went up to {$78000.00}, the problem now is we get a letter telling us not enough was estimated for the escrow and now we have to pay the extra {$64.00} a month. 
Now we are paying the same as before if not more because someones mistake, not on our part.And after it was refinanced they sold us back to Nationstar I have called to talk to someone and they gave me the specialist who could not answer my question as to how someone only estimated half our yearly taxes into the refinance when we have 5 years history showing what it was, I feel like it was done on purpose and they knew what they were doing and took our {$2000.00} we paid to refinance also, something does n't add up here at all, why are we paying 3.5 % and its the same as the 5 % thanks XXXX XXXX
On XX/XX/XXXX I redeemed XXXX  points for a credit statement of {$240.00} plus a 75 % bonus for a total of {$420.00}. Only {$240.00} was credited to my account because the credit was issued to my credit card instead of my checking account. I called in 3 times and was told 2 times that the issue was going to be corrected and my checking account account would be credited the {$420.00}. In fact on XX/XX/XXXX I called in at XXXX XXXX  and spoke with a representative who spoke with their supervisor and got approval to have my account be credited. They asked for my checking account info including account number and routing number and said I would be credited within 2 business days. After waiting a week and not being credit, I called in again and was told that they would pull the recorded phone line and would be contacted on XX/XX/XXXX. I have yet to be contacted.
While I was trying to get on an income based repayment plan for my private loans, I had asked the customer service rep I was on the phone with if I could call them right back to check my payment amount on my federal side so I could comfortably make both payments. The rep said yes, but in the short 20 mins that I left the phone with the private lain side to speak to the federal side, the Rep contacted my co-signer, my elderly grandfather on a fixed income, and told him that because I could n't pay the full amount he was responsible for paying my loans. They told me because they had looked up my grandfather 's income, I was no longer eligible for a repayment plan and that my private loans are now completely my grandfathers responsibilty, regardless of his fixed income, age and health issues. When my grandfather told them he could n't pay the full amount and that I would have to be on the repayment plan, they immediately put a bad mark on his excellent credit score and brought his credit score down.
XXXX XXXX XXXX placed a collection tradeline on my credit report some years back. The account was settled and paid XX/XX/XXXX. The account was removed from my transunion credit report XX/XX/XXXX/XX/XX/XXXX. XX/XX/XXXX/XX/XX/XXXX it was reinserted on my credit report after it was already paid and previously removed. I disputed it with the credit reporting agency and they failed to remove it. I disputed it with XXXX and they 've also refused to remove it. 

I want it removed from not only Transunion but from all three credit bureaus
In XXXX of 2013 I opened up a XXXX 's credit card, with a limit of {$300.00}. During the duration of the time I was suppose to get my actual credit card in the mail I made a change to the place of where I was living. Furthermore, I never received my XXXX XXXX credit card. I am under the impression someone opened my mail and used my credit card at XXXX 's because the debt shown on my credit report shows around {$600.00} dollars.
I went to pay off the entire balance of {$780.00} on XX/XX/18. The payment due date was on XX/XX/18. I was assessed a late fee, but what caught my attention was a finance charge of {$16.00}. According to my monthly statement, of which the closing date was XX/XX/18, my previous balance was {$610.00}. The interest on this card is 26.99 %. The " balance subject to interest '' amount was {$720.00}. I XXXX at math so I can't figure out how that interest rate was assessed nor how that particular " daily balance '' was calculated. When I inquired and asked for a written mathematical explanation of this I was told the same thing every time. The only way to avoid a finance charge is to pay the balance by the due date. I paid over my balance so I could pay off the entire card after the payment due date but before the statement closing date. 
Like I said, I XXXX at math, but these numbers just don't add up for me so to speak. I don't like questionable charges. So I'm hoping you will get a straight answer or can provide one for me that explains where the numbers come from and how it all adds up, from why the payment due date is different from the statement closing date, ( which is an after thought ), and with a mathematical explanation, exactly how the " daily balance '' is calculated in concerning assessed interest. 
I have attached numerous files, for reference but also in the event you find something I missed in terms of questionable charges. The unnumbered XXXX pdf and the questionable finance charge are the two related specifically to this complaint.
After transmitting a Certified, Return Receipt " Cease and Desist Contact '' letter to XXXX. ( A debt collection agency - herein " XXXX '' ) on XX/XX/XXXX, I was extremely surprised today, XX/XX/XXXX, nearly four years after said letter was received by XXXX, to have received a call from this same debt collector. The man asked to speak to me by my first and last name, asked to verify my year of birth, and then proceeded to identify himself as being from XXXX and that the purpose of the call was to collect a debt. After confirming that the man was in fact calling from XXXX, I simply disconnected the call, and began filing this complaint.
I was checking my credit and noticed that there was a debt collector agency on it by the name of National Credit Systems Inc. dated XX/XX/2018. I immediately called the landlord XXXX XXXX in XXXX XXXX, Texas that the debt came from to see what it was for and wanted to know why I did not receive a notification letter because I never received one from the collections agency or a call before the debt was placed on my credit. I could not reach them so I called management company XXXX XXXX and spoke with someone in the billing department and she claimed the assistant manager XXXX at XXXX XXXX claimed a letter was sent but returned per email dated XX/XX/2018. This is not true and I do not believe it. I gave them all of my forwarding information and I never received anything. Not sending a notification to tenant regarding debt is a violation of Texas tenant law because the notice should come within 30 days after departure which was XX/XX/2018. Texas law sec 92.109. XXXX sent me straight to this collections agency. The collections agency sent me a letter on XX/XX/2018 4 months after it was placed on my credit and 7 months after my departure from XXXX. XXXX XXXX from National Credit called me in XX/XX/2018 on a recorded call and said that she will send me another letter with verification to assist me in disputing the debt. I never received the verification letter from National Credit Systems , Inc. She immediately sent me to a third party. I called National Credit Systems and asked where was the letter and they said I had to talk to the third party company. This was another violation Texas law sec 92.110. This was wrong and should have followed proper protocol. The debt collection company violated me here and I never got to dispute with them if I needed to. They also placed on my credit that I did dispute the matter which is false and manipulative. The collector made an improper move here that was not right. I never ever received anything after the first letter. I think it's unfair to pay for something without verification as to what it is and with so many scams out there when this happened I didn't trust the situation and wanted to call the authorities because I feel that National Credit Systems , Inc. and XXXX XXXX have violated the Texas state tenant law here with how this was all handled to get money and that the debt was bogus. I also feel that this situation was manipulated on purpose due to personal issues with the assistant manager XXXX. I feel that she was manipulative and made promises that she did not keep. This was a new management company that came in under this lease and I assure you that the old management company would have never done this. This is improper treatment and I feel totally violated.
My rent check ( {$1000.00} ) was bounced for insufficient funds in my Bank of America bank account, even thou i made a a check deposit for {$6600.00} before XXXX the day before as i was recommended by the bank 's representative. Now they Charged the check to my account and also at the same time a {$35.00} fee for check returned. If they knew the check had insufficient funds and charged a fee, why would they apply the amount of the check on my account balance, forcing my account to remain a day with an overdrawn balance?. 
After doing this, they place a hold on my bank account for {$6400.00} ( first {$4800.00} would be available on XXXX XXXX and {$1600.00} on the XXXX ). However, my complaint comes when i see XXXX different small charges ( like XXXX XXXX, or the grocery store ) that actually were prior the mentioned Check in red on my account, as the Bank of America Representative told me they would charge {$150.00} ( XXXX overdraw charge fee ) only on charges plus the {$35.00} charged already ( {$180.00} total ) my complain why do the bank knowing the check has no funds, is going to be bounced and even charge a fee for it, apply the check amount to my account forcing all other transactions to produce an overdraw fee?. They are obviously forcing my account to be overdraw so they can charge this outrageous amount of fees.
IM POSTING THIS SAME COMPLAINT AND DO NOT CLOSE IT!!! CFPB LEAVE MY COMPLAINTS XXXX XXXX ALONE AND STOP BEING BIAS AND ALLOWING CRIMINALS TO COMMIT FELONY CRIMES, THEY HAVE NEVER PROVIDED A VALID RESPONSE!!!!! LEAVE MY COMPLAINTS ALONE!!! criminals of america refuses to show their side of the accounting, that in fact they are doing business selling my name as a bond and doing business with the secretary of the U.S. treasury, they are XXXX lying criminals, they can not respond with clarity to one complaint ive filed,,, they respond with total XXXX talk and irrelevent information, and its a XXXX shame that CFPB allows this to happen, and my complaints being closed fraudulently bank of america refuses to send me notification of closed account and NO CURRENT CONTRACT!!!!!!!!!! secret accounting without full disclosure and A LIFETIME CONTRACT OF TOTAL FRAUD, THEY OPEN AND CLOSE AN ACCOUNT AT WILL AND TRADE A FICTITIOUS NAME FOR $ $ $ $ BEHIND MY XXXX BACK,!!!!!!
While reviewing my credit report I noticed Chase Bank was reporting on debt that I do not recall. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting proof of the debt Chase claims I owe. They did not provide sufficient proof of the debt and it appears to be verification.
This debt has been disputed ( through the credit bureaus ) due to amount in question is inflated. Plus verification of debt was never sent so collection of debt is illegal. Plus this debt is time barred under Fla Debt Collection Law.
I have tried unsuccessfully to get a detailed transaction history on my property as it has been transferred to more companies than I can remember. My issue is trying to determine how they arrived at the $ XXXX balloon note added to the last modification done by DiTech Mortgage.