WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I agreed to pay off our mortgage. We felt the best way to pay this off would be to start making a payment per day. Our payment amount is less than {$600.00}. We decided to pay {$600.00} each day until the mortgage was completely payed off. Understanding that we confirmed with the bank that each payment would be recognized as a monthly payment. And we would not be held responsible for payments in arrears, should either of us fall ill and not be able to make a payment during a 90 day period that would let us rest at ease that payments represented a monthly payment. We see a full months amount of interest taken out of the payment, even though we have made the payments on a daily basis. or even several payments on one day. A mortgage should be interest calculated on the days required between payments against the balance. May we please have this in writing as to why they are making this payment as principal and interest for the full month 's interest? Am I mistaken on this issue? They did tell me that they would have a problem with escrow, if that were the case we could pay that separately. But interest needs to be corrected in my thoughts. Thank you for your time and consideration on this matter. I have included documentation to show this application of payments to the balance of the mortgage. 
The mortgage department has not been helpful with this situation. It seems that they can no longer use the regular method of calculating interest. That it is so given away to automation to be calculated by computers that it is no longer an application they can master when it is a trifle out of the ordinary. All of our statements are sent as soon as we make a payment instead at the end of a month, so each statement looks like a payment per month. This is a little discerning that a bank the size is having this issue with calculation. Earlier I caught an error on a checking account that fees were being deducted that should not have been and I had to have them reversed by the manager. Who is taking care of quality assurance in customers accounts. Why are the accounts allowed to persist with mistakes with no one watching them. Why are they not being reviewed and audited for these errors. We also had money from previous mortgages from this bank end up in the escheats division of the state because the checks was never forwarded to our address. Really, we did n't move, just refinanced. This happened 2 times with this bank. Why? Because if no one sends it out it does n't get returned, we could have cashed the funds from the previous errors in the mortgage payoffs. Which should have been calculated down to the penny by working with all the tax authorities and insurance agencies, etc. but no one is willing to work out the math and make the phone calls to get the amount correct. Again this is very discouraging. This last time we refinanced the person dealing with us made so many mistakes we were ready to walk away. The mortgage took twice as long and was twice as difficult and we were put into a VA loan immediately when all we ask was which would be the best benefit for us. Twice as long, twice the fees, when we needed it ASAP.
I received a call from my mortgage company saying they saw where I was shopping around for a house, well I have not been. I checked up credit report and it shows a hard hit on XX/XX/18 and it said miscellaneous agencies Equifax XXXX
I am a Chase credit customer. On XX/XX/XXXX, Chase contacted me regarding a fraudulent charge. I immediately told them on XX/XX/XXXX that the charge was fraudulent. Furthermore, I spoke to them twice both on XX/XX/XXXX and XX/XX/XXXX to have the fraudulent charge removed but to no avail. Both times, I was rest assured that I would see the credit on my account within 24-48 hours. On XX/XX/XXXX, I finally found the emails of several people at JPMorgan Chase leadership. They claim that the credit was not issued because of " system errors. '' Furthermore, they indicated that speaking to a customer service agent twice on separate dates with no result was in line with their customer service levels. I find this hard to believe and would like the XXXX to start investigating whether Chase is actually causing financial harm to customers because of their failed internal controls. I hope that customers are not being charged for things that they did not authorize, which is a control deficiency in itself, and more importantly that they get those fraudulent charges removed immediately upon confirming to Chase. I believe if I had not contacted the executive office, I would still be responsible for {$25.00}. In the meantime, their fraud department located in XXXX, whom they referred me to activate my new card have their head in the sand and do not realize that they need to activate the card.
Complaint Against  : Freedom Mortgage   XXXX , TX Unfair reporting of late payment  by Freedom Mortg age. This complaint arises from a dispute w ith Freedom  Mortgage whereby the Real estate taxes were increased  in the County  we live in. F or ten ye ars we have been paying our mortgage on time without any late payments. My wife and I signed on a third party company to automatically pay our mortgage. In  XXXX    XXXX   there was a {$150.00} shortfall due to the increase in our taxes . Freedom Mor tgage received our regular payment of {$2200.00} through  XXXX   XXXX  on a timely schedule through  XXXX   XXXX .  Freedom Mortgage contacted by letter to notify us of the {$150.00} shortfall and my  wife made arrangements to pay the balance of {$150.00} over the phone.  Freedom  Mortgage took the payment but never collected the money from our bank  (   XXXX   XXXX  ) on time. The money was subsequently returned by our back because of non-collection. My wife made a payment over the phone on  XXXX / XXXX /  XXXX   and the money was collected by  Freedom Mortgage. Subsequently in looking at our credit score Freedom M ortgage reported our payment as late. We notifie d Freedom M ortgage of this negative reporting, and asked them to reverse it, but they said that they could do nothing about it. We feel tha t Freedom Mortgage is unwilling to rectify the situation. We tried to send the additional payment to Freedom Mortgage on time but feel that they dragged their feet in collecting t he money. It was't our fault because we did all we could to make sure they were paid.
My family wants to build a home so we engaged US Bank to get a construction loan. 
we got approved for $ XXXX and later upgraded to $ XXXX as the scope of the house cost increased. it is taking more time than I expected ( my first built home ) because of County regulations and issues with the general contractor and house seller. 
Despite the XXXX approvals, XX/XX/XXXX I got a Statement of Credit Denial stating " unable to verify residence '' as excuse. I wrote the loan officer, he did n't answer so I called him. he said I was taking too long to meet the loan conditions ( producing a General Contractor ). I wrote the bank a letter and they did n't respond either. I believe that they did n't act in good faith, and in fact they denied my loan with no good cause. I have lived in the same residence for 4 years in XXXX XXXX. All my correspondence with the bank has been from this address. the other apparent reason for the denial is adverse credit. this is a bogus statement because my credit is close to XXXX the loan to value is about 60 %. the loan officer said I could qualify for much higher loan based on my ratios.
XXXX Group XXXXXXXXThey started calling me a couple of years ago claim that I owe them money but refuse to send me proof. Keep asking for my personal info so they can verify who I am. Told them if they wanted to verify who I was to send anything they had to say to me plus proof of claim/debt to me in the mail and if I got it and it was mine I would verify. They refuse. 
Some of the original calls said they were calling about an investment issue. I do n't have investments so I hung up on them. 
Still call constantly, blocked numbers, unknown names, cell phones. I have blocked them on all my phones. I think they are just a big bunch of scam artists.
I opened a large money market deposit account with Keybank ( XXXX XXXX XXXX then ) XX/XX/XXXX. In mid XX/XX/XXXX I started to initiate an international wire transfer with the home branch in XXXX XXXX, NY. as this was the process advised by their customer service. Manager XXXX XXXX XXXX gave me the steps involved and I followed them exactly because I needed the funds very soon to purchase a retirement apartment in XXXX, XXXX. I told her I needed funds within a month 's time. I sent all of the application using XXXX XXXX.Shipping to her and she acknowledged that it was received and sent to the wire permissions dept. of Keybank. I then expected a pin to initiate the transfer, but heard nothing. XXXX was on leave and unavailable. I spoke to XXXX in the main Keybank wire dept, who said he did not understand some of the paperwork XXXX sent him and needed to talk to her. It was all at a standstill because of their casual attitude. There was little back & forth between them to help me despite my calls and e-mails. Nothing was forthcoming from anyone at Keybank. I had to prod them for info about my wire permissions again and again. After waiting for XXXX to return from office leave, I finally communicated with her to hear that my necessary pin could only be mailed to my U.S.mailing address & would go out XX/XX/XXXX.My daughter is taking our mail in XXXX, NJ. Nothing then or now from KeyBank has been mailed to us at the NJ address. Communicated again with XXXX who said it was coming from XXXX and maybe XXXX XXXX had slowed postal service. It is now XX/XX/XXXX. On XX/XX/XXXX- I contacted the Keybank Executive Offices and they e-mailed back saying I should call with questions. Called immediately. Spoke to XXXX who said a case was opened and I would hear from her within a day. No call back to me.Called again. She promised me that a pin would be e-mailed to me. No word from XXXX. Called backXX/XX/XXXX, spoke to XXXX who said I should expect an e-mail before the end of the day. Today, XXXX XXXX, I have left messages about this problem. I have told them I submitted a complaint to Federal Reserve Complaints dept. No word back from KeyBank. Is it legal to have a bank not allow you access to your funds for over a month 's time after I have completed all paperwork properly? How can they earn my trust when they say things so important as a pin got lost in the mail???? Why did I need to send my documents XXXX XXXX XXXX, insured when KeyBank send something needed regular post? I need my money market account closed and sent to me in XXXX to buy our apartment next week. They have probably ruined this transaction & it is detrimental to my health. The account was opened with the settlement from an accident in which I sustained a XXXX XXXX. I am sorry I did not use a better, more reliable bank to provide but my husband was stationed at XXXX XXXX XXXX XXXX then. My husband, XXXX XXXX XXXX just retired from the XXXX XXXX ( in XX/XX/XXXX at ceremony at XXXX XXXX ) and I am in ongoing recovery from my XXXX XXXX. I can not run back to XXXX XXXX NY from our miserable XXXX XXXX in XXXX, just to close my KeyBank money market account. Is this a major, trusted U.S bank, or not??
Private student loan with Sallie Mae, the amount of payments are the same amount of my Che k. My mother and I have talked with a man by the name of XXXX XXXX XXXX XXXX XXXX XXXX. My parents are co-signers and retired he is trying to make them pay what my check wo n't cover. I am working and can not the amount of XXXX month after car insurance phone medicine and living expenses. He is very nasty I am paying on my student loans but not original amount XXXX a month XXXX XXXX said they do n't work with lowering payments and payment plans. I just want to pay what my little job afford me to pay. He did not put down living expenses of anything else, how can the XXXX sit by and let these cold hearted stay in business.
Back in 2010 my house that I lived in with my mom and family was broken into when I was XXXX and our personal information was stolen. My mom filled a report with the police. Also my mom works with XXXX and they sent her a letter saying our information was breeched also with them. My mom and I was made aware that there are some debts on my credit report. My mom wrote into the reporting agencies and they wouldnt take it off. Also there are a lot of medical bills and accounts of debt on my report that I dont know where they came from. I still live at home and dont have bills of my own plus my mom still has me on her medical plan so I shouldnt have any medical bills. I am in college and my main focus is school. My mom and I have written the agencies and I included a copy of my ID and social but the always tells me to send in more proof of my Identity and they refuse to delete these items or the inquires associated with them. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity.
On XX/XX/17 my XXXX XXXX collection account balance was settled in full with XXXX XXXX, which should have been updated with the credit bureaus with a {$0.00} balance. 

The XXXX reporting has been updated, but the Equifax and XXXX records are still reflecting a {$2500.00} balance owed. I contacted XXXX  to update ; however, they stated I needed to work with XXXX. I contacted XXXX ( local and national ) in XXXX, requesting the update ; however, no response or update has been received. 

A copy of the account resolution from XXXX XXXX ( password XXXX ) and letters to XXXX ( local and national ) are attached.
My Citi credit card is currently under penalty interest. After I made XXXX consecutive timely payments, I contacted Citi to inquire about why my interest rate has not been reduced. I was told that they review accounts every six months in XXXX and XXXX. Upon receiving my most recent statement, penalty interest is still applied to my account despite making XXXX consecutive on time payments. I contacted Citi again today and the Account Rep attempted to reduce my interest rate but the system would n't allow it saying that my account was ineligible. Despite repeated requests to provide information as to a reason why my account was ineligible for an interest rate reduction, the Account Rep was unable to provide any detail. He would state repeatedly that if the system would allow him he would have already and that his recommendation was to make two more timely payments and they could try to reduce the rate again after that. I asked if that meant that XXXX consecutive payments were required for reducing my interest rate or if that meant the system is showing my account as only having XXXX on time payments. The Account Rep denied XXXX only assuring me that he tried to reduce my interest to no avail. I ended the call to file this complaint. My understanding of the CARD Act was that penalty interest is to be removed after XXXX timely payments. To the best of my knowledge, I feel I have completed what is required of me to be cured from this interest rate and will not accept deliberate mistreatment. So, I am filing this complaint in order to expedite a solution and/or provide myself a better understanding of what the law stipulates regarding this issue. Attached is a payment history taken from my Citi account online for the on time payments from XX/XX/XXXX
I modified my loan, i sent payment on the new loan per their request, not till much later did I discover Bank of America and the serving lender incorrectly applied two payments to the old loan. They now they claim I 'm 60 days late.
DT received a insurance lease gap payment final date XXXX/XXXX/XXXX from XXXX due to accident XXXX/XXXX/XXXX Claim XXXX, after final payment was received I spoke with a gentleman at DT that advised all accounts were closed and removed from CBR which was confirmed once all XXXX CBR had DT closed, XX/XX/XXXX I received a letter advising of such Balance of {$1700.00} with a settlement request. I spoke with a female rep from DT ( XXXX ) XXXX that advised indeed what the gentleman advised was correct and account will be removed out of collections and no more correspondence would be received. Letter dated XXXX/XXXX/XXXX advises another attempt to collect ( XXXX letter a year- failed at due diligence and collection attempts ) Account Manager advised no there were no notations advising of what each rep advised but noted that I contacted. Transferred to a " manager '' advises that same. I advised her to pull the call and she advised she COULD NOT, I advised her what I was advised for going on 2 years and advised I would file a complaint to get this rectified since she was not gone to attempt to resolve my minor issue. 

I spoke to DT after filing the XXXX complaint on XX/XX/XXXX ; on XX/XX/XXXX and the customer rep who was not XXXX ( one who left message from Customer Resolution ) advised that XXXX was gone to inform me that I could settle while they review the calls for training purposes. I told the rep that their resolution was not acceptable as they had not even listen to said calls I mentioned above. 
I contacted DT XXXX back on XX/XX/XXXX and was advised the same thing, that they have not reviewed the calls yet and I could settle. I advised the rep who was not XXXX, that they should call me back after they reviewed the calls so they could finally resolve my issue besides trying to get me to settle on said balance that was supposedly " paid in full '' advised by XXXX of their reps. The XXXX rep advised that I had requested on XX/XX/XXXX to place a Cease and Desist on my account, this in fact was false and advised her to remove it because why would I request to place a C & D on my account when my issue has not been resolved. As well as advised her to review that call, because placing a C & D on someone 's account is not legal without their authorization and working with Charged Off Private Loans, it can lead to that account being placed with a Cease and Desist Law Firm.
hard credit inquiries XXXX-XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/quicken Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/quicken Loans Inquiry from XX/XX/XXXX XXXX/quicken Loans Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
This is a XXXX account and the last activity was back from 2006 which is past the statute of limitations to report but this company keeps on reporting. I have disputed with no results and this company continues to list. Please help
My name is XXXX XXXX and I currently have a Business Account with Bank of America, " XXXX XXXX ''. I have over {$5500.00} of overdraft fees in the last three months and a  larger amount totaled over the span of being a so called " Loyal Customer ''. I believe their is a flaw in their XXXX XXXX, which they have purposely planted, that manipulates personal accounts also called in the business world as " Petty Pinching '' where they attack small account with petty amounts at a time where there is no option for the customer to regain their money. This amounts to over millions of accounts, which ( {$35.00} ) simple overdraft fees could help with their corporate stocks immensely with free money stolen from their own customers. I need help suing Bank of America for my money back and to stop " Petty Pinching '' from affecting others in the future. They are aware of this buy either play XXXX or are blind to the situation from the inside of their corrupt corporation. I also believe that with the help of some tech savvy guys they could find the exact flaw in the system.
On my credit report is an entry for a credit repair company that I never used, had a deal with, or even knew existed. I do n't know where this came from. 
The company is XXXX XXXX XXXX and XXXX XXXX XXXX is collecting for them. 
They are trying to get me to pay XXXX and have put derogatory information on my credit report. I want this removed. I never had this service.
On XX/XX/XXXX I made two payments to my credit card account with Citibank, one in the amount of {$4000.00}, followed a few minutes later by one in the amount of {$1000.00}. Upon looking at my account later the next day, while both payments had been taken from my bank account, only the payment for {$4000.00} was reflected. I waited another day, calling on XX/XX/XXXX. At that time I was told by a representative that sometimes they have a hold for up to 7 business days before a " floating '' payment as my second payment was referred to, is applied. It is now XX/XX/XXXX, I have called Citi and my payment is still not applied. According to, XXXX, who I have spoken to, they are not sure when said payment will go through. What recourse do I have to force them to acknowledge payment and reflect that in both my payment history and my fee schedule, or simply get my {$1000.00} back?
I am writing this complaint because I previously had an XXXX XXXX credit card. I mailed in my payment in full to XXXX XXXX in 2017 and a week later I received a letter from XXXX XXXX saying I owe the debt but I informed them that I had mailed the amount owed to XXXX. They told me I needed to call them because XXXX never received a payment from them. I immediately called XXXX and they stated they had not received a payment from me. I had sent them two payments on the same day. So I called XXXX back and we agreed to wait awhile but and almost two months later of going back and forth they stated they just received a partial payment from them. I then called XXXX again to inquire about the other half of the payment and they said they had no record that they received any payment for me ( which was crazy because XXXX had gotten a partial payment from them ). XXXX said they would look into the matter but no one ever called me back. After going back and forth with XXXX I just paid the remaining balance and filed a complaint with CFPB to have XXXX removed from my credit report because it should have never been put on there. They responded that they would remove it from my report and that XXXX was working to recall it from my credit. This debt has been paid in full and I would like XXXX removed from my credit report because they stated they were going to recall it to XXXX XXXX  and because they state they never received a payment from me but they sent XXXX a partial payment. I dont know what they did with other payment I made to them since they quote had no record that I sent in a payment. I havent heard anything else from them and would like this resolved as soon as possible. Thank you.
I am currently unemployed, so I am looking for work. I received an email about a XXXX XXXX position on XXXX/XXXX/XX/XX/2015. I requested more information and and received additional details and some paperwork to complete from XXXXXXXXXXXX. After I performed some research on the company and not finding anything negative, I completed their paperwork on XXXX/XXXX/XX/XX/2015 and awaited further instructions. On XXXX/XXXX/XX/XX/2015, I received an email advising that I had been chosen as a XXXX XXXX. I next started to receive calls from XXXX XXXX XXXX XXXX XXXX XXXX who started the training process of me initially processing checks for their customers as well as funding loans. I was also contacted from XXXX XXXX XXXX XXXX. They wired funds to my account on XXXX/XXXX/XX/XX/2015 and XXXX XXXX to Money Gram this to XXXX of their customers. This was done today XXXX/XXXX/XX/XX/2015 and the Money Gram reference # XXXX. Shortly after the funds were sent, they reversed the initial funds from to my account. The amount of my loss is {$990.00}. Please let me know if you need additional details or if you have questions. This company is still in operation doing business as usual. I would like to see them taken down as they stole my hard earned money and are still using the same website, phone numbers and email addresses. I would like to help out as best I can.