WillisBack/dataset-financial-user-claim huggingface dataset:
Santander Bank NA offered high interest rate CDs about 18 months ago. Bought two substantial CDs ( different maturities ). f Was told I had to also open a checking account as part of their teaser rate offer. I told the desk officer that I had no intention of using another checking account, and was told that would be fine. Also expressly asked whether there would be any fees, and was told " No. '' So I also opened a checking account with {$100.00}, and did n't even bother ordering checks. 

In XXXX of this year, received a statement which, in fairly small print, said " If your account remains inactive for one year, we may discontinue mailing paper statements ( online statements will still be available ) and, depending on the type of account you have and your balance, we may begin charging an Inactivity Fee. '' Note the use of the word " may, '' twice. 

That statement showed a deduction of {$16.00} for Inactivity Fee, so balance down to {$84.00} as of XXXX/XXXX/XXXX. 

I decided that was minimal, so took no steps at that time. Figured at {$16.00} fee annually or quarterly, the yield on the CD 's still made the transaction worthwhile. 

But unless my memory has failed me, the next statement I received was just this past month -- XXXX XXXX. It had the same legend as quoted above, but showed the checking account balance as {$0.00}. In fact, showed that XXXX balance as of XXXX, which means that between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, Santander had taken {$84.00} in Inactivity Fee ( s ). That 's in 6 months, and w/o sending monthly notices. 

I have a very hard time believing that these undisclosed withdrawls were based on ad hoc decisions. I have to believe that when Santander said it " may '' discontinue monthly paper statements, it had already programmed to cease monthly paper statements. Similarly, when it said it " may begin charging an Inactivity Fee, '' it had already programmed to do so, and knew what the amount and frequency of the fee would be. 

In all, Santander 's comments and printed materials are misleading in the extreme. Over {$100.00}, I ca n't do much more than send this complaint, but I imagine others have had similar experiences and perhaps you could get them to be more accurate in their printed materials. 

Thank you.
On XX/XX/2016 My home was burglarized. I usually make my mortgage payment with NYCB by phone on this day. However when I came home at lunch time about XXXX my house looked like a tornado had gone through. My tax papers, photos every drawer, box, closet everything was strewn about. It took me 2 days to put it back together. 
Needless to say the last thing on my mind was the mortgage payment. However, I did make the payment the next day and asked that they please take the late charge off because of my circumstances. I wrote a letter and have never heard a response. 
Since this time my house was hit by XXXX and it is not live able. We have had to move out to rental house and it has been difficult to get the money released from our mortgage company after our insurance company sends them the money to repair our home. It has been since XX/XX/2016 repairs have just started. They did n't release the money in a timely manner which has now caused more damage and more delay for us to get back in. They are drawing interest on our money for repairs. We are now having to move from our rental home because it sold and we do n't know how long the repairs will take. All this to say please ask them to take any late charges off because of these catastrophic events that have occurred to us.
The family has had extreme hardship including the XXXX of a very young son and numerous illnesses. The attorney that was mentioned before collected the mortgage payments from the family for almost 5 years with the promise that he would get them a cheaper mortgage payment and save their home from foreclosure or any other negative situation. We paid him {$1500.00} to start and then he requested {$1900.00} our mortgage payment each month for five years. Each time he assured us that he was working with the bank and we were going to be very pleased with the results. In XX/XX/XXXX he came to our home picked up the mortgage payment that we thought he was paying to the bank. We called him and there was no answer. He disappeared with no way to contact him. WE reported him to the DA nothing happened we paid him all of the payments we thought were going to the bank. When we contacted the bank they refused to work with us.A friend recommended women to us who we paid {$5500.00}. to help us and still nothing. 

We have monies saved to pay a sizable down payment and payments to be considered for a loan workout..Please help us save our home. We are now working with a not for profit and we are not getting good help from Carrington Mortgage. At this point they are not giving us much hope.
I Was charged for {$280.00} by " XXXX XXXX XXXX '' in which I have no recollection of for such services.
I have mortgage from Bank of America for my home. I purchased home ( in XX/XX/XXXX ) of {$200000.00}. I took mortgage of {$180000.00} ( 11 % ). Thus, I have PMI insurance on mortgage. My current principal balance on mortgage is {$150000.00} which is 74.6 % LTV ratio. When I called Bofa for first time to request cancel PMI ( principal balance {$160000.00} ) they told me my LTV ratio of mortgage need to be lower than 78 % and I need to do home valuation report but if I have principal balance less then 75 % then I don't need home valuation. At that time my LTV ratio was 78.28 %. Thus, I deposit more money towards principal and I request again for canceling my PMI at {$150000.00} ( principal balance ) which is 74.6 % LTV ratio.

At this time, Bofa stating they can not cancel my PMI until XX/XX/XXXX year because that was the date loan supposed to be at 78 % according to amortization schedule. According to Federal law I am eligible to cancel my PMI, once it is less then 78 %. I have continuously make regular payment and deposit more each month towards principal. It's becoming racket by Bofa. Each time I am getting different response by Bofa to decline my request.
XX/XX/XXXX Complaint against Bank of America Re : {$9800.00} stolen funds from theft XXXX XXXX on XX/XX/XXXX On XX/XX/XXXX I have reached Bank of America ( XXXX ) regional office located at State of Maryland regarding never returned stolen funds {$9800.00} since XX/XX/XXXX. I have left a message to collect stolen funds {$9800.00} plus 20 % interest, $ XXXX ( XXXX hrs ), all related fees as well as trauma, pain, suffering brought by Bank of America for illegally release consumer 's deposit on XX/XX/XXXX. I received NO any response for this debt collection call against Bank of America and theft XXXX XXXX. On XX/XX/XXXX I personally stopped at one of banks branch located at XXXX XXXX XXXX to speak with XXXX XXXX. She treated me badly ( discrimination ) by providing NO service compare with other customer. I have complained about that I have to recover my stolen funds immediately because this theft activity happened since XX/XX/XXXX. Now its been 5 years and bank of america totally ignore my several complaints filed to Consumer Financial Protection Bureau ( CFPB ). In XXXX and XX/XX/XXXX I have complained same matter to Bank of America 's XXXX branch for several times. On XX/XX/XXXX I have spoken with CFPB 's representative XXXX to ask assistance in order to recover stolen funds. I have clearly expressed my position : I NEVER authorized bank of america to release my deposit to a unknown theft such as XXXX XXXX ; I NEVER authorized anyone to represent me to do any banking transaction. I NEVER authorized XXXX XXXX to handle my bank account such as open new account, withdrawl funds, close accounts, obtain my personal identity, etc. In one word, I already notified law enforcement agency such as FTC, local police department, FBI, U.S. district court, State of Maryland circuit court to prosecute theft XXXX XXXX. This theft lied to the court and public : She can not handle my personal affair at all. She can only bring me damages, losses, pain, suffering, trauma, anxiety by losing my deposit. I once again ask bank of america to honor 5 cashier 's checks issued on XX/XX/XXXX due to bank 's stop payment. Cashier 's check was considering as cash and was guaranteed to pay. I am so upset that Bank of America has no any business credit at all. And can not protect consumer 's deposit. Because of this bank 's criminal activity, I lost trust toward XXXX XXXX  's practice. Please do not spread your financial crisis to me as totally irrelavent party. I have no any reason to accept such type of financial crime and deprive my rights committed by both Bank of America, XXXX XXXX, XXXX XXXX ( XXXX County Circuit Court in Maryland ).
Transunion will not allow me to submit another dispute, and at the time of their response they advised me they were researching this issue further. During this time, the accounts that were reporting invalid. XXXX XXXX XXXX XXXX, Two Cards one that shows own {$15000.00} that was opened unauthorized not in my name.  Another is for {$10000.00}. These are not my account 's i have submitted identity theft to the company and i want these cards blocked from my credit file. Also i see that XXXX XXXX is showing an account for an authorized user that is owing {$6000.00} This is not my account. I did not get added to this account by anyone i know. The account was opened fraudulently. XXXX XXXX did admit to this, i asked to be removed as per their rules and card agreement you can be removed at any time if unauthorized. Yet they still don't remove me and i don't want this showing on my credit file as i did not authorize this account. 

Secondly i have seen two collection accounts re appear on my credit once again, XXXX XXXX XXXX for {$200.00} which is not my account and shouldn't be on my credit file as i have no knowledge of this account. And XXXX XXXX for {$120.00} Which appears to be for a XXXX account that i do not have and have already previously reported identity theft with XXXX, and also XXXX XXXX, and the FTC. I am going to attach a identity theft report. I want all of these accounts removed and blocked from my credit file immediately. Another Account is XXXX XXXX XXXX. I paid this account off over 6 months ago. They finally removed it three months ago after filing constant complaints against their practices since they agreed to remove the late charges and never did, and also agreed to Match the payments which they never did. They finally showed it paid off. Then 3 months later the account reappears, and all the sudden says opened again for the same amount owed then 3 more late payments are added. THIS ACCOUNT WAS PAID OFF MONTHS AGO, I have Receipts for these. I will attach it. 

Lastly there are several inquiries that were not from me these are fraudulent inquiries and i will list them below please investigate this. 
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 XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX.
In XXXX 2017 I reached out to my Mortgage company in regards to an employment hardship that rendered me unable to make full payments to my mortgage company, Dovenmuehle Mortgage. I sought options to make partial payments until I was able to make the full payments. They informed me that they did not take partial payments and informed me of their Loss mitigation process. They also so gave e information about HUD approve advocacy agencies that could assist me in filling out the package.At that time I started the modification process I was 90 days ( {$2200.00} ) behind on my mortgage and I wanted to get help as soon as possible before I got severely behind. I started working with XXXX who helped me fill the paper work and I also was working with XXXX XXXX a mitigation officer at Dovenmuehle Mortgage. I was assured that while I was going thru the modification process my loan would not go in to Acceleration or foreclosure however on XXXX XXXX, 2017 I was sent a certified letter of Acceleration from my mortgage company. Its been three months and the Mortgage company has not responded to me or XXXX other than my file is be processed. I feel threatened that I may lose my home.
I recievd a personal loan from onemain financial. I paid the loan off in XX/XX/XXXX and recieved a congratulations on pay off letter. The next month the office is calling me saying i have n't made my monthly payment. I told them i had payed it off and sent them the letter and bank statement. They continued to call and call. Next thing i know is collections is calling me stating im late on payment. I have sent them everything I know to send.
On XX/XX/XXXX I attempted to buy tickets from somebody through the XXXX XXXX XXXX  service that XXXX XXXX  offers. I split the purchase into two separate payments so that I would receive my purchased tickets before paying the full amount. After receiving what looked to be legitimate tickets, I sent the remaining amount. After trying to contact the sender regarding an incorrect date placed on the tickets after further review, I received no response and had my number subsequently blocked from calling him. 

I immediately tried to contact XXXX to cancel the payment. They told me that I needed to call XXXX as they can not help me. I then called XXXX XXXX and was told that I would need to start a claim. I started the claim on XX/XX/XXXX and was told that I would receive a response in 3-5 days. After receiving a letter in the mail on XX/XX/XXXX claiming that XXXX identified the transaction as valid and could not refund me any money, I attempted to investigate further and call their claim department. I was told that there was nothing they could do since the transaction was initiated by me. They said I could try to contact XXXX for further assistance, which I subsequently did. XXXX once again told me there is nothing they can do and that I have to settle this with XXXX. After calling the XXXX XXXX   claims department, I asked to speak to someone about my claim who could give me further information about the investigation conducted. I was told that their investigation process involves trying to contact the receiving bank which they were not able to do successfully and thus can not refund me any money, even though this was a criminal act. 

I will be filing a police report since XXXX XXXX  is unable to assist their customer with his scammed money.
On multiple occasion we ( members of the family ) tried to close my elderly fathers account at Key Bank. I am a POA and showed up with it in hand and the POA was turned down. The reason for trying to close the account is because after getting into my dads finances i discovered {$1000.00} of dollars in nsf fees. My parents had a very low debt ratio so it was clearly them being elderly and making mistakes managing their money. A financial institution should recognize this and close their account. My dad just passed on XX/XX/XXXX and we attempted again to go close his account and where turned down because we needed a death  cert and a short form which will not happen until me the executor is sworn in.. My dads other bank closed the account with just a death cert and copy of paid funeral bill. Key Bank since has charged him another {$7.00}. This is a disgrace to our elderly and i feel the bank is charging fees to help their bottom line.
XXXX XXXX XXXX sold my mortgage to a mortgage company called PennyMac out of XXXX XXXX, California. My account had been delinquent with XXXX when it was sold. I was catching my mortgage account up by paying XXXX payments around mid XXXX and XXXX turned over the last payment that I paid before the loan was sold, that made XXXX payments that was received this month, on the XXXX of XXXX I sent another payment, that 's XXXX payments, which only left me due for this month, XXXX. I got home this afternoon XXXX XXXX XXXX XXXX the mortgage company Pennymac had come to my house and left a sealed envelope with my name saying confidential on my front door, with the same information that was sent to me in the mail from them. Why do they need to come to my house, this is not a rental house and I did n't expect to be harassed by my mortgage company. Would this be because I 'm a woman and there is only XXXX name on my mortgage which is mine and it makes me an easy target. I just talked to my assigned representative yesterday over the phone and she noted my account for the last payment I sent. My mortgage is due for this month ( XXXX ) and Pennymac has already decided to be a thorn in my side, needless to say how upset I was about this, I called them and the only thing the rep told me was he would notate my account. If the mortgage company is making contact with me why are they coming to my house? Do n't appreciate this kind of business ... ..
I have been attempting to log into my Conduent account (formerly ACS Education) online to repay the remaining balance on my loan but I have been unable to access my account or get in touch with a rep from Customer Service going on 2 months, and therefore have missed my last 2 loan payments I believe. I have been logging in using the exact same information and have not missed a payment in years, but for the last 2 months I receive the same automated message from the site when I attempt to log in, which is that the action I'm trying to complete is temporarily unavailable. "Temporarily unavailable" yet it has been over 2 months. When trying to contact Conduent customer service, the automated response says there's no account associated with my social security number, and therefore after multiple attempts I eventually get disconnected from the phone after the automated system fails to recognize my social security number. When I emailed customer service, they too said that they have no account associated with my social security number and said "Unfortunately, we are unable to locate an account for you in our records. Please be advised that your loan may have been transferred to be serviced by another loan servicing company." I've read numerous other complaints from people having the exact same issue. I eventually tried resetting my password on their site using the "forgot my password" option. After I received the temporary password I was able to log into the site, but once inside my account all it says is "No data found for specified SSN." So now it appears my account no longer exists, and I'm unable to repay the remaining balance on this loan, and I do not know who to contact to resolve this.
On XXXX XXXX, 2015, I was alerted by all XXXX major credit bureaus about a collection agency on my credit report about a balance in the amount of XXXX from the company ICSysytems, I contacted the company and the company had an address that I never knew about. I told the rep that I know nothing about this account. So the rep gave me a number to call, and when I called that number which was XXXX, I stayed on hold for XXXX minutes and the next time I called on the same day, the call drop. And this company is reporting negatively on my account as a collection. I wish the company could of called me about a debt instead of just showing it on my credit report. I am disputing XXXX
This is a follow-up complaint for a recent complaint I filed in case number XXXX. Rather than start a new complaint, I 'll explain additional details under this case number. 
Today ( XXXX XXXX, 2015 ) I received a letter from Synchrony Bank concerning a credit due to my credit card account ending in XXXX. The letter states that " According to our records, your credit of {$960.00} was applied to your account on XXXX/XXXX/2015. You can find this credit on a previous billing statement. '' The letter was sent from the Customer Service Department. Having all my previous statements in hand, I know the above quote from the letter is patently false. 
I called Customer Service yet again today to ask them to explain the letter and point me to the statement that contained the applied credit. I spoke with customer rep " XXXX '' who told me that the letter was not in error-that it referred to when I opened the dispute. Clearly the letter says nothing of the sort. She absolutely would not concede that the letter was in error in stating that the credit was applied to my account on XXXX/XXXX/2015. 
Noting it was clearly futile to argue the point, it is clear to me that this is an effort to XXXX on the part of Synchrony Bank in anticipating a complaint investigation. I highly resent these tactics, given the time and consternation this has caused me in this matter. A simple " mea culpa '' admission and correcting the matter would suffice. However, to prolong such a matter in this way is despicable. 
I want to make this matter a part of my complaint and keep the record factual. I 'm attaching a copy of the letter for the record.
Letter sent to XXXX to remove remark from credit report. Loan was closed through bankruptcy and is still being reported to credit bureaus
I have been disputing credit items with Equifax & XXXX for over a year now every month or so! I have never had a Mortgage with XXXX XXXX XXXX and there is no documentation proving this! I have asked numerous times to have this removed online and in writing! These credit reporting company 's have refused to provide the proof, there system is automated to send reply 's in there favor if information can not be provided. 
I had a Mortgage with XXXX XXXX loans!!!!!!!!!!
In XXXX of 2016 I Filed a complaint with ChexSystems about a report the said I owed with a bank. I got a letter about verifying my identity asking for a letter from social security administration. They do n't send letters so I called them in XXXX to tell them I also sent a copy of my social security card and I 'd. I did n't hear from them until XXXX which was a another report. They have yet to respond to my dispute that they have my social security number wrong on my report. My number is XXXX they continue to show my number as something ending in XXXX. I tried to call and all I get is being bounced around by a answer machine. I would like for them to take all the accounts on XXXX off my chexsystems report.
This company is re-aging this medical debt. It is over 5 years old. They removed it and reported it as occurring XX/XX/XXXX. This is false information. 
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Original creditor XXXX XXXX XXXX   XXXX XXXX  XXXX. 

Correct date of service is XX/XX/XXXX. Reported as XX/XX/XXXX
I purchased a myfico XXXX report and on it I discovered that Target Credit Card has been placing negative information on my report. I no longer have a Target Credit Card and they have reported negative information to XXXX 25 times since XX/XX/XXXX, and XXXX has reported negative information 16 times since XXXX. I have called the credit agencies who told me to call Target as they could not help me, called Target and was told to call the credit reporting agencies as they could not help me. I want this false information to be removed.
On XX/XX/XXXX at approximately XXXX XXXX I logged onto Santander Consumer USA website to make my routine monthly payment. As usual, I was directed to the XXXX XXXX XXXX XXXX website for completion. I processed the payment, and received an email confirmation stating that the payment had been submitted in the early hours of XX/XX/XXXX. The email mentioned the date of XX/XX/XXXX, but I thought that was the processing date due to submission on a weekend. I received an email alert from XXXX XXXX about being reported as 30 days late on this account, which was reported by them on XX/XX/XXXX They are stating the payment was due XX/XX/XXXX I immediately called on XX/XX/XXXX, but my account was not " escalated '' until XX/XX/XXXX. I never received a return phone call, instead having to call repeatedly until finally getting in touch with a rep on XX/XX/XXXX They have been no help in this matter, and I am in danger of losing escrow on a purchased home as a result. I am in need of assistance on this matter immediately.