WillisBack/dataset-financial-user-claim huggingface dataset:
PenFed ( Pentagon Federal Credit Union ) advertises " XXXX Points '' XXXX mortgage loans. In fact, this advertising is deceptive. PenFed charges " points '' disguised as " Loan Origination Fees ''. The initial ads ( attached ) state that the " XXXX Point '' loan has an APR higher than the stated rate because of " closing costs '' ... which a consumer can interpret as the cost of appraisals, credit checks, filing fees, etc. In fact, the closing costs include a 1 % POINT called " Loan Origination Fee ''. The borrower gets no benefit from this fee. All of the costs associated with closing the loan are billed to the borrower. The APR is in fact NOT increased by closing costs ... it is increased by collecting a POINT. The proof that this is POINT comes when the borrower complains. PenFed offers to waive the " Loan Origination Fee '', if the borrower will accept a rate 1/4 % above the advertised rate. THIS IS EXACTLY WHAT A POINT DOES!! This proves that paying the " Loan Origination Fee '' is in fact paying a POINT. Paying the POINT reduces the interest rate. Therefore, PenFed is either advertising rates that it is n't really offering ( you only get the XXXX point rate by paying a point ... the true ( hidden ) XXXX point rate is 1/4 % higher ) or it is lying when it says that the loan is " XXXX points '' and lying again when they say the APR is linked to closing costs ... they add a point in the Closing Fees disguising it as a " Loan Origination Fee ''.
On XX/XX/XXXX I paid off a 0 % promotional loan from BANK OF AMERICA, paying early, before the 0 % credit card rate would have ended this coming XX/XX/XXXX. I paid them {$2300.00} by check from my personal bank account. Today ( XX/XX/XXXX ) I got an email from B.0.A. that my credit card account has a credit of {$170.00}. When I logged onto my account with them to find out why, I discovered that instead of {$2300.00}, they had given themselves {$2500.00} from my bank checking account, with no explanation. I phoned their customer service to ask why they did this, but none of what they said was applicable to my case, so their agent offered to send an eft refund check for the {$170.00} to my bank account, which he did, saying it will take 2 to 5 days to clear. However, he still had no explanation as to how this over-payment from my account occurred.

While my problem may now be resolved, my complaint remains : B.O.A. gave itself an interest-free loan of {$170.00} from my account, without my permission, not notifying me until today 's email message, which could have caused my checking account to be overdrawn. I am notifying you of this scam in case you have other such reports, if you need to take action against such a practice by this and/or other banks.
I currently have a 5 year adjustable rate mortgage with Capital One that was coming due at the end of the year. I contacted Capital One to get information about possibly converting to a 15 year or 30 year fixed rate mortgage to compare with my renewing my existing mortgage. Capital One refused to let me see a contact to have my attorney review. I was told to give credit card info and they will send me documentation with all fees, rates, closing costs etc. and my credit card would not be charged unless I went ahead with the mortgage loan application. I did not accept the fixed loan options but Capital One went ahead and charged my credit card {$450.00}. I have reached out to Capital One and they forwarded my concerns to their Advocacy Team who have been very arrogant. They and the mortgage team at Capital One claim they can not see my current mortgage information even though it is with Capital One. Capital One bought out ING who was an outstanding financial institution to do business with. Capital One mortgage personnel were high pressure, doom and gloom spewing and had no regard for the customer and did not listen to what I was asking even though I repeated clarified that what I wanted was just information on rates and costs associated with the different mortgage options. A mortgage is usually the biggest financial decision most people make in their lives. Capital One believes that customers should not be able to see the actual mortgage documentation and should make a decision based purely on a verbal estimate from their mortgage specialists. Wow. Their mortgage specialists have no regard for the customers best interests and are driven to sell costly options which only benefit their own sales personnel.
I recently reviewed a copy of my XXXX report and noticed that Carter Young for {$220.00}, is still associated on my credit report. Attached is proof that this account was found invalid, and was removed from my XXXX credit report. I have contacted XXXX, to advise them to follow suit and to remove Carter Young {$220.00} off my credit report, which still shows as a open collection on my account. This must be removed from my credit report to show my true credit history, as tis item should not be reflecting on my credit report. 

He is a copy of the Bureaus name, findings, and proof of this removal of Carter Young {$220.00} being removed from my XXXX credit report. 

XXXX XXXX
BYL collection services did not provide adequate verification for debt question. No documents were provided showing contract or signature
I TOOK OUT A PAYDAY LOAN WITH ADVANCE FINANCIAL OF TN FOR AT OR AROUND XXXX DOLLARS. I WAS GIVEN A SHORT FORM STATING MY MINIMUM BALANCE EVERY TWO WEEKS WAS XXXX DOLLARS AND SOME CHANGE, AND GIVEN ANOTHER LOAN PAY AMOUNT OF XXXX DOLLARS AND SOME CHANGE. HOWEVER, AFTER OVER XXXX DOLLARS LATER I CHECK TO SEE WHAT I OLD AND THEY STATED MORE THAN I TOOK OUT. I WAS TOLD THAT IT WAS A 275 % INTEREST RATE ATTACHED TO IT, AND THAT I WAS ONLY PAYING THE INTEREST NOT THE PRINCIPAL. THIS WAS NOT EXPLAINED TO ME AT THE SIGNING OF THE LOAN, NOR ON ANY PAPER WORK I SIGNED. I WOULD NOT EVER TAKE OUT A LOAN THAT I WOULD HAVE TO PAY 275 %. ME BEING IN THE MILITARY I WOULD NOT DARE TO SIGN SUCH A THING.
I called XXXX XXXX the middle of last month to close out my credit card. They closed my card and told me I had a final balance which was {$38.00}. They would not accept a credit or debit card payment over the telephone. They only wanted a check or checking information. Before I paid them, I called again to verify the amount, then I sent a check for the amount in the beginning of XX/XX/XXXX. I just recently got a bill that said I owed double the amount. I called the company today and they told me I paid the closeout late fee late, so they charged me another late fee with interest. I as to speak to a supervisor but the customer service agent refused to transfer me and he eventually hung-up the telephone on me.
I HAD A NEGATIVE IRS REPORT ON THE 3 CREDIT BUREAU. I ALREADY MAKE AN AGREEMENT WITH THE IRS WHERE MY DEBT IS NOT COLLECTIBLE. THEREFORE I CONTACTED THE 3 BUREAU OF CREDIT REQUESTING THAT PLEASE REMOVED THIS COLLECTION REPORT FROM MY CREDIT. XXXX AND XXXX REMOVED THE REPORT BUT TRANSUNION DID NOT WANT TO REMOVE IT AND THAT CONTINUO AFFECT MY CREDIT REPORT
I was not able to check more then one complaint above but not only do i have had a issue with closing on mortgage but i have a complaint about the applying for the mortgage section box and the trouble during payment process box so i reached out to the owner of XXXX XXXX ( XXXX XXXX ) and he called me back and sounded surprised of the many complaints and requested i send a timeline of my complaints so he could investigate my file and promised he would call back in two day and a week later i reached back out to him and told him i was finally able to fix the credit issue and then his assistance called me and said they were glad i was able to get XXXX to fix the negative credit reporting they did nothing wrong and sometimes that happens and asked me if i was satisfied and i said no i want honest answers and understating of the many loan changes and the strong arm tactics used during my loan i truly feel they prayed on my bad credit and being a first time home buyer never having been threw a loan process of this magnitude and now looking back and trying to find a way of not feeling so violated by the games and tactics used by XXXX XXXX and who knows may have broken some federal or state laws ( but i'm  no lawyer i'm just a simple consumer ) and after being disregarded of my complaint i feel like i have duty to report my complaint and hope i can finally be heard and i can get some clear answers and hopefully prevent this from happening to some other poor soul and unexpecting consumer and all my dates, the full complaint, and the details of my loan and the evidence the proof and also i will add the complaint i have just filed with arizona department of financial institutions
Pacific Union XXXX County Clerk XXXX FL Police have responded to my house 25 times in past 2 years regarding fraudulent wellness checks by co borrowers parent. 

I was threatened and told to sell house by police and co borrowers parent. 

My house was put up for sale fraudulently without my signature. Police arrested me on false charges. The police officer XXXX laughed about how Id be held on no bond and my house would be sold before I got out of jail. 

DA signed formal charges same day they supposedly recorded a deposition with alleged victim but wouldnt produce it to courts. 

I asked for expedited trial and they dropped charges right away. 

But co borrowers parent still got my 401k and my account balance.
Card provides promotional no interest and low interest terms on qualifying purchases. They are very deceptive and fraudulent in the manner that payments are applied in order to maximize interest payments. They offer calling to 'reallocate ' payments towards interest bearing balances which I have done consistently and yet the payments are still off - to date by $ XXXX to date ( harm to me is in extra interest inappropriately charged. ) Was told today ( new information ) that my previous direction to call in was incorrect and that I could only appropriately steer a payment to an interest bearing balance by calling at time of payment ( company does not allow consumer to direct payments, company required to by involved ). I have called and talked about the interest and inappropriate allocations many times and today was the last straw after the escalation specialist hung up on me. The person I talked to understood the problem and said 'any interest charged at billing is due and can not be refunded '. -Not when I ca n't apply a payment to an interest bearing account through no fault of my own!
On XXXX/XXXX/15 I requested Business & Professional provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.
After long consideration, I 've decided to file a second complaint against my former mortgage company, " Suntrust Mortgage. '' In my first complaint, I explained how, after my husband passed away, I contacted this mortgage company asking for help. At the time, I was assured they would work with me to refinance my house, so that I might be able to keep it. Because of this, I invested money into finishing the basement, repairing the roof, maintaining and adding to the yard, cleaning the carpets, etc.
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I sent in the initial paperwork, with all supporting documents, and was not contacted again. This was in the summer of 2013 and in   XXXX   of the same year, I called to check in on the status of my request. I was told a few documents were missing, so I resubmitted them. This happened again shortly after, and then again. Every time I resubmitted the documents and every time I called, they told me they were either missing or expired. Eventually I was told my adviser was no longer available and nobody else could help. I called several numbers, trying to get a hold of someone who could discuss my case, but it never worked out. The mailbox I was told to call was always full, so I could n't leave a message, and if I called another number, the people who answered were unable to help.
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My savings were, finally, exhausted and I could n't make the payments. I tried to sell my home, but a sale fell through. The foreclosure proceedings went forward. During this time, a real estate agent contacted me with clients willing to buy my house. I contacted Suntrust, who then referred me to their foreclosure lawyer. I received an email from the lawyer explaining how I am not a signer on the Note, therefore I have no legal rights to the house and can not sell it. I lost the buyers and that was when I filed the first complaint. As a result, Suntrust apologized and postponed the foreclosure for six months, but the damage was done -- the buyers were no longer interested.
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The house was sold through foreclosure without a single notification. They claimed I abandoned my house, but this is untrue. I paid utilities and checked up on everything until I discovered the locks had been changed without letting me know. It felt as if they stole my house from me. After this shock, I received another through the mail -- a notification to pay taxes on the loss of my home, the one that, according to their lawyers, was never legally mine.
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I deliberated on sending another complaint for a long time, but this last notification was the tipping point. Because of Suntrust Mortgage, I lost my home, savings, investments in the house, and the chance to sell it. Everything they did felt deliberate -- that they stalled and everything went in circles so that, ultimately, they could take my home away from me. With this, I hope I get at least financially reimbursed for the loss of my house, the investments, and the emotional distress. Losing a husband is difficult enough, but losing the home I shared with him was like getting punched on an already open wound.
There are several accounts reporting on my credit file that does not belong to me. The following account is a result of identity theft : Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  - Balance {$10000.00} ( XXXX, Equifax, XXXX ) XXXX XXXX XXXX XXXX  - Balance {$13000.00} ( XXXX ) XXXX XXXX XXXX XXXX - Balance {$2300.00} ( XXXX ) XXXX - {$7300.00} ( XXXX and XXXX  ) XXXX XXXX - {$3500.00} ( XXXX )
Hello, I am sending this email in the hopes of finding some assistance for my mother XXXX yr. old mother, XXXX XXXX XXXX My mother currently has had a reverse mortgage for the last 4-5 yrs. The mortgage company wants foreclose on the property because there was a lien placed on the property in the amount of {$27000.00}. The mortgage company paid the money without contacting her to find out if it was owed or before getting any information so now they started foreclosure proceedings. Obviously, my mother nor anyone in our family can afford to re-pay the {$27000.00}. I do n't know if this is legal. 

I have been researching to come up with an alternative to foreclosure. I thought possibly refinancing the reverse mortgage or negotiating a re-payment plan with the mortgage company but are in desperate need of any/all assistance we can get in attempting to delay or stop the foreclosure proceedings. 

Please Help if you can. Thank you.
I got a letter from ERC Debt collectors XXXX XXXX, XXXX, FL XXXX XXXX ( XXXX ) XXXX XXXX. I called them an got through after 3 minutes. I told the representative that this is a falsified debt that I have n't had XXXX in over 10 years and it had been paid in full and that my credit was pulled by real-estate lender 's in the past two years and there was no debt from XXXX or anyone trying to collect a debt on XXXX behalf. They said please hold and they hung up got the busy signal on the phone. I called them back went through the same prompts and got the message to please wait for the next available representative. I waited for over 2 hours an never got through. I called back and same thing happened waited an waited. So I looked online an found that others have complained about this company trying to scam them.
I have sent several letters to Equifax regarding fraud inquiries on my credit report. I have also submitted a identity theft report from the federal trade commission which they keep saying they have not received. This report was attached to the letter I sent previously. I have advised Equifax several times that these inquiries are related to fraud. Equifax is violating the FCRA by reporting this information.
This company ( comes up as NCB management ) has called me numerous times at my place of employment. The first time I asked the gentleman politely to refrain from calling my job phone and that he can call my cell ( if he had it on record ) after XXXX. Me telling him that stemmed from our job receiving a recent number of spam calls. So we were advised to not give out our personal information. He said he had my number and would call. That afternoon, I received another call at my job but was n't available to answer. When I did speak to a representative again, I asked her to please take my work number XXXX out of their system because we can not receive personal calls. Since then, I have still been receiving calls from them from different numbers, even on the weekends ( My job has caller id ). I also advised her that if there is any debt that i owe to please send it via mail. She asked for my address, i told her that if I " owe '' a debt, they should have my address. How can I get these calls to stop at work? I could lose my job.
Debt has not been accurately verified. No contract or signature provided for the following collection account : XXXX
Transunion is reporting that my payment for a HELOC account with my local Credit Union is 60-89 days late. There is a {$0.00} balance on this account, meaning that I owe no money, and I have never missed or been late for even one payment. This is reflected in correctly Transunion 's own " Payment History '' of the account, yet they have it flagged as 60-89 days late for a payment that is not due because the balance is entirely paid off. I opened a case with them, that they then closed and did not correct the error. 

NOTE : none of the other bureaus are having trouble reporting correctly on this account.
On XX/XX/XXXX there was an unauthorized charge of {$2900.00} on my debit card. I filed a dispute with the bank, had to continually follow up with them in order to get any feedback, and then was told that they were closing my dispute because they werent sure how to charge back to the vendor. I responded and told her she had to simply state that I didnt authorize this transaction. I then also asked for them to provide me a copy of the transaction to see who signed it- they couldnt. Initially the dispute was to be reopened when I gave them a reason to charge back- however it would not show open in my checking account online ledger in order to do redisoutw. Today I was told they closed the dispute and I cant re submit a dispute. I would like to know how they investigated this manner when I did not sign any receipt nor even authorize this transaction! They took nearly {$3000.00} from me that I need in order to provide for my daughters back to school items and other necessities. Please help!!
My in-laws passed away on XXXX and XXXX, respectively. Shortly after my mother-in-law passed, when my wife ( her daughter ) and I went to settle her affairs, we discovered she had an outstanding home equity loan with Chase Bank, among other debts. Although we were able to quickly and painlessly settle all of their other debts, after more than 5 months of trying we have been unable to persuade Chase to permit us to pay the outstanding balance. Instead, they continue to send foreclosure notices addressed to my wife 's dead mother, and most recently had a note posted on the door threatening to break in and change the locks. When we originally contacted Chase in XXXX, we faxed them both death certificates. They then removed my father-in-law 's name form the loan, but proceeded to send my mother-in-law foreclosure notices, despite us calling them multiple times and even once showing up in a branch with a check made out to them in innumerable repeated attempts to pay off the loan. Several weeks ago, they finally sent us a Third Party Request, which we returned asking to be authorized to speak on behalf of my dead mother-in-law, that they " continue to review '' while they continue to drag their feet and inexplicably refuse to take our money, all the while interest and fees continue to accrue. The repeated threatening letters to my wife 's dead mother, and the threatening notice stuck on the front door today, combined with the inexplicable refusal to accept payment, seem at best to be an attempt to extract additional interest from the loan, if not to outright seize the property.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 1. XXXX ( Experian and XXXX ) 2. XXXX XXXX XXXX ( XXXX ).
This debt is not valid. This is for an apartment that i leased. After coming home to a break-in and all of my belongings ( electronics, jewelry, clothes ) were stolen, I communicated to the manager of the leasing office that i did not feel safe and wanted out of my lease. She agreed to let me out. However I was charged bogus fees which are now on my credit report in the form of a collection.
XXXX XXXX XXXX XXXX, GA XXXX This address showed up on my credit report ... .it was a reported attempt at fraud that I caught in time.
XXXX XXXX holds an auto loan in mine and my daughter 's ( XXXX XXXX ) name. The loan has been paid every month on time through ACH and we have the documentation to substantiate. For some reason, this month they decided to show it as closed and sent to collections. My daughter has been on the phone with XXXX XXXX all morning and no one can explain why this has happened and what their plan is to correct it. This is not correct. We still have the car. The payments have been made on time every month. Help!
Geeze, Seterus is really getting a jump on the complaints!!! Now I received notification they placed insurance on the home for 90 days for the sum of {$1500.00} which is insane on so many levels. First, they state their 'records show that your hazard insurance has expired ' which plain and simple, their records are wrong and they should have received insurance information from XXXX XXXX XXXX who received insurance information both in XXXX and around a month ago and both are well documented with the cfpb. Second, insurance for the home costs around {$1500.00} for the year, not 90 days so what kind of robbery is this!?!?! 3 ) Seterus as per a previous complaint still needs to back up and back off and for many reasons also noted in previous complaints. 4 ) As detailed with XXXX XXXX XXXX, Seterus needs to provide proper legal documentation as to why and how in the eyes of the law that I bound to their terms since the only legal document I have signed related to this loan was with XXXX XXXX. 

At this point I definitely consider that seterus has crossed the line with their threats and intimidation and when I speak to an attorney regarding XXXX XXXX XXXX, I will also discuss a lawsuit against Seterus as well because this simply is not the way things should be done.
When I opened my citi gold checking account with Citi I was told I would get XXXX XXXX airlines miles if I met certain conditions. I chatted with a citi representative during the promotional period and they said I had met all but one of the requirements, an online bill pay, which I proceeded to then complete on XXXX XXXX. I still have not received the miles and I have contacted Citi 4 times over the course of a month about the issue with no resolution or even response from the appropriate team. I will attach the promotion details, the conversation I had with the citi representative promising the miles if I completed the bill pay as well as the statement showing the bill pay on XXXX XXXX. I have also attached the XXXX statement showing that I met the other requirements, but the rep conversation should be enough to show that those requirements were met.