WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a CFPB complaint against TD Bank on XXXX XXXX, 2015 -- Case number XXXX. TD Bank 's reply was not at all satisfactory. Aside from the reply 's failure to address the issues I raised in my complaint, it claimed that TD deposited {$30.00} to my account as compensation. However, I never received any such deposit. Therefore, I filed a dispute on XXXX, as a new complaint, Case # XXXX. My new complaint disputed the {$30.00} and repeated many of my original statements, as TD did not address them in its reply. On XXXX XXXX, TD replied simply that it had paid me {$30.00} in XXXX and therefore I was mistaken. I was extremely surprised by this reply, and my response is a XXXX complaint, as follows. 
When TD said that they paid {$30.00} into my account, it sounded like they did so in response to my new CFPB complaint about the new XXXX problem which was the tipping point that caused me to file with the CFPB. When I filed my original CFPB complaint, I did know that TD made a {$30.00} credit in XXXX. In fact, in my original complaint, I stated that TD gave me a {$25.00} apology amount ; that XXXX sum was part of that {$30.00} -- - TD paid me {$5.00} in retro-interest plus {$25.00} for my trouble -- totalling {$30.00}. However, that {$30.00} was regarding PRIOR complaints that I made directly to TD before ever contacting the CFPB in XXXX about the new XXXX problem, and as such, when TD said in XXXX that they gave me {$30.00}, I thought that they meant a new {$30.00} to address the new XXXX issue which I described in my original CFPB complaint -- I thought that until their XXXX XXXX reply. As I stated in my XXXX dispute of their initial reply, TD, in XXXX, changed its offered accounts with no notice, so that I no longer had the best interest rate. Please refer to that XXXX complaint for full details. Yes, in my complaint about the new XXXX issue, I did describe all of my prior problems, because, when I reached my tipping point after the XXXX problem occurred, I wanted your Bureau to be aware of the pervasive problems with TD which I fear affect many, many people, and not just me. But TD never addressed the new XXXX problem ; and the Retail Operations Manager, XXXX XXXX, who gave me the {$30.00} in XXXX, never responded to my call about this new XXXX problem -- in spite of his XXXX assurances to me that he was so very much concerned w/ fixing any errors. As I stated more fully on XXXX XXXX, in addition to wanting compensation for me due to the XXXX issue, I want TD to have to publicize the information regarding the new account structure so that all customers who had Relationship Savings will know that it no longer offers the best TD rates.
A XXXX form Oracle Financial group call me and my XXXX sons and threatened me with a law suit if I did n't pay a debt that was discharged in my bankruptcy. She demanded that I give her my credit card to pay the debt or the police would be at my door. I hung my phone up.
Addresses showing in XXXX and XXXX and I have never lived anywhere but XXXX until I moved to XXXX.
I challenge the accuracy, compliance and reportability of multiple listings. 
According to the XXXX XXXX Compliance In the Matter of : the Investigation by XXXX XXXX XXXX, Attorney General of the State of New York, of Experian Information Solutions , Inc. ; XXXX  XXXX XXXX, XXXX ; and XXXX XXXXXXXX. 
Experian is reporting information that the other two bureaus have currently corrected or suppressed.
I have a savings account with XXXX XXXX Bank aka " XXXX ''. Today when I tried to log on, I received a message that my account was locked and a phone number to call. Upon calling that number, I was transferred to a " specialist '' by the name of XXXX ( employee number XXXX ) who informed me that my account was closed because my automatic contributions were being rejected by my checking account and further that I would not be able to log on to retrieve my statements, account number, or withdraw my existing balance of {$150.00}. When I asked for her supervisor, she told me that one was not available and hung up on me.
XXXX   XXXX   sold our mortgage to MLD mortgage, and during the process of loan sale our  Home Insurance wa s due (  XXXX  ). Neither company paid our insurance from the funds which were available in escrow. Now we are receiving failure to make payment letters and potential gap in insurance letters fro m    XXXX   XXXX  .  XXXX  says MLD will not speak to them regarding our account. MLD will not release payment to  XXXX  because they claim they can not make contact with any  XXXX  employees. After numerous phone calls and emails with each company we are no closer to having this issue resolved than when we started. MLD has exceptionally poor customer service with representatives becoming belligerent with customers on the phone when all we are requesting as paying customers, is to have the company fulfill obligations for which they are being paid.
I was the co-signer on a auto loan. The first party filed bankruptcy, I took over the payments. The company asked me to setup auto payments from my bank, but they put in the wrong information on the bank draft, used the first party 's name instead of my own, and my bank rejected two payments. They admitted to the mistakes, but refused to correct it or extend the missed payments because the first party filed bankruptcy. They want to re-possed the car. The missed payments were not my fault, in fact I contacted them several times asking for them to correct it before the payments were due.
We have {$450.00} of late fees on our account that are not valid. I have tried for over a month to resolve this issue but NO ONE will respond to me. I called customer service, they said it needed to be in writing, so I have sent XXXX emails with no response. I have google searched loan officers, sent XXXX emails ( they stated someone would call, no call has come ). I found someone on XXXX, again no response. I have provided documentation on the fact that the late fees are bogus and we have not had any late payments since XXXX of 2016. In XXXX of 2016 we received a foreclosure notice because apparently I missed paying the cents on our bill, instead of paying the {$1200.00} and some change, I only paid the {$1200.00}. I spoke with a gal and she stated I needed to pay {$150.00} and some change to get caught up with late fees, which I paid with our XXXX payment, but separately. Since then NONE of my payments have been late. Therefore I do not owe any additional late fees. I provided a list of my payments to Freedom Mortgage noting that none of them were late since I got caught up in XXXX. Their refusal to contact me only confirms that the late fees are not valid.
This is filing another complaint against Wells Fargo Bank. I returned a call to Wells Fargo Debit/Atm Corporate Office. I Spoke with XXXX, and explained to her my grievance. She said she would look it up, and assign a case agent in this case. And XXXX told me that it would take ten working days to research. Ten working days? She was not a help at all, and does not help in my situation. I need the Well Fargo Bank to give me back my money immediately. Today, I checked my account and found out that they have taken {$45.00} for overdraft fee, and they have taken {$12.00} out of my checking account for Transfer Fee. There was a reversal of {$120.00} in my savings account, but they have taken the {$45.00} as overdraft, how in the world they keep taking money after money to a zero account and keep charging me with overdraft fee after overdraft fee? I have attached the activity I have in my account. This bank keeps getting my money from each of my account. They would reverse my other fee, and then take the money out to pay them the overdraft fee? This company is a vulture in the industry. How in the world the WF would not know that the hold in this account has been a mistake from the XXXX ( XXXX ), and the XXXX has already faxed their release of my account XXXX, XXXX in XXXX XXXX, and another in XXXX XXXX? They have taken money in EACH of my accounts, including the account of my son! What kind of business practice was this? Are all banks like this? Again, the XXXX claim was their mistake, if WF want to charge someone, they have to charge the XXXX who keep making mistakes in withholding my money although I have already told them and gave them the documentation that I have been a victim of Identity Theft! This was not my fault, why is it my family and I would suffer on this? I do n't know why it 's so easy for this bank to withhold my account immediately, but it 's so difficult for them to return it back to my account. Are they investing that small amount of money first that 's why they wanted to keep it for 24-72 hours? Everything is electronic now and it 's not making any sense to me that it will take them 24-72 hours to return my money. It 's my money, it 's already in my account, they just withhold it. To put it back, click on an option to return and then it 's back in my account, that 's it. I was told by the XXXX representatives, ( XXXX, XXXX, XXXX, XXXX ) that it 's their policy, and that 's how long the process is. So, it took them a minute probably to process the withhold in my account, and it 'll take them 3 days to return the money back to my account? It 's not making any sense especially that they have been told that the hold was a mistake, and that they have received a release fax from XXXX. This bank is very frustrating, and I ca n't say enough but this was not a good business practice, this is a fishy business practice. This bank will set you up to failure.
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/2017 by : XXXX XXXX XXXX XXXX
MEDICAL BILL FOR MY SON FROM 2012 OR 2013, THAT HE WAS DOUBLE COVERED FOR INCLUDING A SECONDARY INSURANCE OF XXXX. IF FACILITY DID NOT BILL IN A TIMELY MANNER OR MISS BILLED, THEY NEED TO WRITE OFF BALANCE AS THEY WERE AWARE I/ MY SON WAS DOUBLE COVERED WITH INSURANCE/ XXXX. THIS IS EFFECTING MY CREDIT, BEING A SINGLE MOTHER OF XXXX, AND DOUBLE COVERED WITH XXXX, THIS BILL NEEDS TO BE WRITTEN OFF
Attempted to set up my Capital One account for use on XXXX for purchase of crypto currency, but they blocked account from enabling external applications.
XXXX XXXX, XXXX To Whom This May Concern : On today, I attempted to pay my bills with both of my personal and business debit cards and found that both of my Regions debit cards were closed. Of course, I was shocked to say the least. Having savings and checking accounts is an indispensable part of anyone 's financial stability. I have been a loyal and long-standing customer with Regions since XX/XX/XXXX. I have never been a financial liability with Regions. So I am not understanding why my cards have been closed and why I am being threatened with closure of my checking accounts. 
I want answers and I want my cards re-issued so I can pay my bills. I have always paid my bills in a timely manner. 
The actions by Regions is causing me harm and hampering my ability to pay my bills. 
Regions closing of my accounts and business relationship is affecting me getting accounts with other banking institutions. 
In XXXX XXXX, someone stole my Business Account Debit card and attempted to use it at an ATM machine in XXXX Georgia. Regions sent my card to the wrong address. The address listed on my Regions account was changed by an employee. The apartment number was removed from my Regions Bank information. I reported this to Regions customer service but nothing was done about it. I applied for a credit card and was granted it and was told by the Regions employee that took the application that the card would be sent to the bank. I called Regions Credit Card department on tonight and they said the card was not sent to the bank but the wrong address that is listed on my Regions account. This is the same address where someone gained accessed to my debit card in XXXX XXXX. 
I hope Regions Bank will rectify this problem. Regions have approved me for a mortgage and credit card and this is where I have done business for the last 22 years. 



XXXX XXXX XXXX
My home equity line with Bank of America has turned into the payback period and the payment went from $ XXXXmo to $ XXXXmo. I applied for their modification program and was rejected and told that the reason was because my payments weren't late even though the new payment is a burden. 
In XXXX of this year I went into a Bank of America Branch to make a payment that was due on the XXXX on the XXXX The rep checked with the collection department to make sure I was not 30 days late ... The rep in the collections that the payment is not considered 30 days late until after the month changes even if that means 34 days when the due date is the XXXX. 
With that information I made my payments after the XXXX of each month but before the first. 
Now I find out that in XXXX they reported me as a 30 day late. 

Also the payments I was making included what I was being told was a late fee of about $ XXXXmo. But that was not being applied to the late fee but to mortgage so the late fee was increasing each month. 
When I called to discuss that I was told that If I did not pay the late fee I would not be reported as 30 days late and asked the individual who I spoke with in collections that If I subtract the late fee from the amount due I would be fine. 
Then again the misinformation that I was giving by the collection department resulted in me being told my payment was insufficient and because of that I would be considered 30 days late in XXXX. 
I could neither resolve any of this with Bank of America or the credit bureau. 

I want these lates removed from my credit report so that I can refinance into a new heloc that is affordable. 
Because of this charade my credit score has dropped to the low XXXX 's The on-line banking summary section is very confusing concerning late fees and amounts due
I received harassing voice mails on my cell phone and office phone on XXXX XXXX, 2015. Immediately afterward, I looked up the caller ID and traced it to a debt collection agency. I emailed the customer contact listed on their website with a written cease of communication notice. On XXXX XXXX, 2015, the caller again reached out to me on my cell phone and on my office phone.
For the past year I have been trying to fix my credit record with XXXX  and also XXXX XXXX XXXX ( XXXX ). I am trying to open a checking account or even a savings account so I can stop utilizing XXXX XXXX  to hold my Money. I have tried every bank I can think of to open one up and was even denied by all the Financial Institutions that offer 2nd chance checking accounts. I have paid for all my past charge offs but the only bank that refuses to take my name off for a past mistake which they consider " suspicious fraud '' is Bank of America. They said even after I paid what they claim I owe them they will not report me in good standing or remove the negative report on XXXX or XXXX. My problem isn't that I have close to $ 100k in my safe that I would like to put in a bank but I can't seem to get any bank to allow me to do so because Bank of America is holding me hostage and unwilling to work with me. Please help as I am willing to even pay double what they claim I owe just to be done with Bank of America.
In XX/XX/2015, I submitted paperwork for a short sale offer on my home, this would be my XXXX time submitting an offer due to the XXXX XXXX offers being declined because the amount offered was not sufficient according to the mortgage comapny, and due to the mortgage company taking unril XX/XX/2015 to approve the short sale offer of XXXX, the buyer backed out of the deal. So on XX/XX/2015, I contacted the company and advised them to close the sale out and also advised them that my agent and I had found another buyer who agreed to the same terms, and everything on the HUD documentation and the proof of purchase and my agent sent it to the mortgage comapny on XXXX XXXX. I contacted the mortgage company on XXXX, XXXX and the old short sale offer is still not closed and now they have had my new paperwork for the new buyer since XXXX XXXX, and it has not even been looked at or reviewed. My home has been appraised XXXX times and its solely because they take so long with the process that it causes them to expire. And for the appraisal to expire it takes 90 days. Someone at the company is dropping the ball and may be costing me a chance to get out of this home and close this deal. I was advised that it only takes XXXX business days to close out an old short sale offer by an agent. So why has my XXXX short sale offer not been closed? If they had done that, then on XXXX XXXX, my appraisal would not be expiring, but now it is. I really think I am being mistreated because of my inability to pay.
I had a credit card with XXXX card services. The account # XXXX. XXXX closed my account and took away the reward points that were accumulated in this account. XXXX profited from their one sided action, which is illegal or at least unethical. I ask that XXXX will pay me the value of the rewards that were accumulated in the account
We have had mortgages with Bank of America for many years dating back to about XXXX. About 4 years ago we refinanced our mortgage on a 30 year ARM with a balance of {$140000.00}. Since the refinancing we have paid the balance down to about {$70000.00}. 
In XX/XX/XXXX we received a letter from the bank that they needed our most recent insurance policy naming the bank as an insured party. My insurance agent faxed the policy a requested on XX/XX/XXXX. On XX/XX/XXXX we received another letter indicating they had no record of the policy. I contacted BofA at the number provided and ultimately spoke with their representative XXXX XXXX. He acknowledged there was a miscue at the bank regarding our original fax, and provided a specific case number and direct fax line for my agent to use to send the policy. That same day, XXXX XXXX confirmed to my insurance agent that BofA had received the policy. 
On XX/XX/XXXX the bank made a premium payment of {$4500.00}, an amount more than XXXX times my regular homeowner 's insurance premium, with no explanation as to the rationale. The amount of coverage on the bank issued policy was XXXX times the mortgage balance and in excess of XXXX % of the full replacement cost of the property. The online record says the Bank 's records indicate they are responsible for paying premiums although, to my recollection, we never have had an escrow account with the bank. As a result of the payment there is a {$4500.00} deficiency in the escrow account. 
We learned of the payment by reviewing our on-line activity on XX/XX/XXXX, at which time we made phone contact with the bank. I requested to speak with supervisor and was directed to XXXX XXXX ( sp? ). After reviewing the record, she informed me she would speak with the proper authorities about reversal of the payment charged to the escrow account. She also committed to frequent contact with us concerning disposition. After no contacts from XXXX XXXX, We left phone messages on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting an update. We have received no responses to our phone messages. 
We therefore seek the assistance of the CFPB.
We did defiance with quicken loans. My inside company sent them both my policy 's and they only included one ins to our new mortgage. XXXX 2 months, I reaized it, asked me for recorded calls. They could n't find. So my payments that were suppose to e less are now, way over our head they had all XXXX during process. Is there anything we can do we are behind and in pro patio no period for a re modification to our loan, which they did n't I form we had this option till we were over 8months behind, refused my payment after I was to, d, as long as I paid before, the XX/XX/XXXX, I could.i called on XX/XX/XXXX to make payment, they would n't take it. All backpay or Nothing. Then after forclouser process was well rolling, they offfered the modification. When I feel should have been offered right away. Also the ins added an additional XXXX to our monthly payment which is crazy, as they had all the info
We have a loan for our kitchen remodel through XXXX XXXX. Since XXXX of XXXX, we had been locked into the auto-pay system. In XXXX of XXXX, their system did not take our payments and we were not properly notified. My wife ( XXXX XXXX ) called in XXXX of XXXX after noticing the payment was not taken out that month. From what i remember, they told her there was an issue with their system and they needed a new payment method. No fault on our end. When asked if they could help take back the negative strikes on our credit, they said there was nothing they could do. Our credit scores dropped about 50 points after this event.
My Chapter XXXX ( originally a Chapter XXXX but later converted ) was discharged on XX/XX/2018 ( see attached Bankruptcy Court Order of Discharge ). I am still unable to view my student loan accounts online through Nelnet 's website. I keep getting a message saying because of the status of my account to call their customer service number. I have and they keep telling me their bankruptcy department is not going to do anything about it. 

If CFPB is unable to resolve this issue, I will file formal to the US Department of Education through my Congressman 's Office.
I have requested on numerous occasions for information about the loan listed on my report for over {$5000.00}. I believe it is not mine. I NEVER took out a line of credit. I requested information over the phone and was transferred over 6 times and still was not given an answer or proof of the loan. I am requesting documentation that has my signature, the application that I filled out, the contract, and proof that I am the actual owner.
My bank statement reflects that on the XX/XX/XXXX a charge was made to my account bringing the total from {$14.00} down to {$2.00} cents. On the XX/XX/XXXX I checked my account to show that that very charge had XXXX overdraft fees. I spoke with customer service in person and they told me they would call after trying to get the transactions refunded. When they called they told me there was nothing they could do, and that the remaining overdraft waiver I had for the year had been added to the charge. After that I spoke with customer service again on the phone and they told me the same thing. I had money in my account and the transaction had gone through and yet they charged me an overdraft fee on it, using my money to instead pay a fee that was posted an entire XXXX hours later on XXXX. I know that this is n't ethical and if it is legal this is unconstitutional. I am adamant about getting this money back and will not hesitate to take legal action. I will talk to whomever it takes for as long as it takes in order for PNC to return the money they charged me.