WillisBack/dataset-financial-user-claim huggingface dataset:
A few months ago I made a purchase on XXXX for {$350.00}. The actual purchase date was on XX/XX/2019. I made the purchase using my Citbank Double Cash Credit Card. I later see that Citibank charged me a " cash advance fee '' which I immediately disputed because there was no such cash advance. At the time Citi had told me it had something to do with how the XXXX merchant processed the payment. I had stated that I made purchases regularly through XXXX using the same card and never had such an issue. I also stated that I had authorized a payment for the purchase but never authorized any cash advances. To be 100 % clear used a Credit Card to make the purchase and not XXXX. I reached out to both XXXX and XXXX and they directed me back to Citibank because Citi is the company that actually charged the fee. The XXXX seller apparently withdrew his money through his XXXX account which I do not find unusual. If the seller happens to withdraw cash through XXXX I am not even sure how that would be tied to my credit card? The cash advance fee sat pending until XX/XX/2019 at which point I was charged the {$17.00} cash advance fee and also an additional interest fee. I have called Citibank and they claim there is nothing they can do. They can clearly reverse a fee that THEY have charged.
I made a single {$2000.00} money transfer, WU withdrew the money twice from my XXXX XXXX XXXX account onXX/XX/2019. I have repeatedly contacted them to refund my money. They acknowledged their error but did not refund my money. 

Tracking # XXXX
My Mortgage Company EMC has not complied with the stipulations outlined in the settlement of FTC FILE # XXXX Pgs XXXX of PDF. They failed to correct my escrow account which is clearly miscalculated see pgs XXXX-XXXX of PDF and filed false documentation with the IRS in regards to what they actually received from me See Pgs XXXX-XXXX. They refused to answer the Pennsylvania Banking commisons questions regarding these XXXX matters See Pg XXXX of PDF XXXX line. They excluded me from any settlement monies. Gave my loan to a collection agency XXXX XXXX XXXX without settling the dispute See pgs XXXX. They then told me there was no more settlement money, but they recognized their mistake and would satisfy my loan See XXXX XXXX,XXXX of PDF. Yet they still report this incorrect amount to both XXXX, and XXXX. XXXX. They do not report tis to XXXX. EMC sold my loan to chase. The resolution I want after 10 years of being taken advantage of is this debt totally removed from my credit history. I want them held accountable for violating the FTC settlement which precludes them from misrepresenting the amounts I owe, not compensating me, Violating my rights in regards to the FDCRA by reporting a amount they know is inaccurate. My Escrow Disclosure Statements for XX/XX/XXXX and XX/XX/XXXX do not match my Annual tax and interest statements as they should see pgs XXXX-XXXX of PDF. My rights are being violated and my credit has been damaged for years. First and foremost I want this removed from my credit.
My home mortgage loan was being serviced by XXXX XXXX XXXX XXXX XXXX. I inquired with them regarding canceling the PMI insurance from my loan. They asked me to submit in writing a request to cancel my PMI insurance along with a {$390.00} check for a new appraisal. I did XXXX on XXXX XXXX, 2014. I was told the process would take no more than 30 days, this was untrue. It was not until XXXX XXXX, 2014 that an appraisal was finally completed of my home. My home valued at {$450000.00} well above the previous appraisal, qualifying me for removal of the PMI insurance from my loan. Before honoring my request XXXX XXXX conveniently sold my loan to Residential Credit Solutions. I of course immediately called XXXX financial providers and XXXX assured me that my request to remove my PMI insurance would be honored. I called Residential Credit Solutions on XXXX XXXX they confirmed receipt of my appraisal from XXXX XXXX valuing my home at {$450000.00}, but I was told it was under review. I subsequently also received my copy of the appraisal on XXXX XXXX, 2014. I continued to call Residential Credit Solutions several times speaking with different agents ( XXXX, XXXX, several gentlemen ) and in XXXX I was told nothing could be done until my loan reached the 2 year mark which would be as of XXXX XXXX. I called Residential Credit Solutions XXXX week of XXXX and spoke with XXXX ID # XXXX she was supposedly a supervisor she told me I was eligible for PMI cancellation she confirmed she saw my current appraisal on file and said she would process the cancellation. She asked me to call back in a week or so. I called back and spoke with XXXX he also advised he could see in their system my request for PMI cancellation was being processed he also confirmed receipt of my current appraisal from XXXX of 2014. He said he would call me back to confirm results of review within an hour. He never called back. I called back XXXX again spoke with XXXX she then advised me they had no receipt of my current appraisal she instructed me to fax in my copy of the XXXX 2014 appraisal to their correspondence department. I faxed over my appraisal that same day. I called back today XXXX/XXXX/15 spoke with XXXX he advised they have receive my appraisal but my request has been denied. I would have to file a whole new request with them and pay a new {$500.00} appraisal fee. I asked to speak with a manager I spoke with XXXX she advised the same they will not honor the appraisal from XXXX XXXX I would have to pay again and make a new request. 

I am beyond frustrated, I followed all the requirements from XXXX XXXX I paid for a new appraisal. I have no control over the fact that XXXX XXXX sold my loan to Residenital Credit Solutions and I have been jerked around and XXXX by both XXXX XXXX and now by Residential Credit Solutions they know I am entitled to PMI cancelation and they are just trying to rip me off with demanding {$500.00} more dollars for an unnecessary new appraisal. 

Please help me I am at my wits end!!! 

Thank you for taking the time to read my complaintXXXX XXXXXXXXXXXX loan number with Residential Credit Solutions is XXXX
I am XXXX XXXX. My loan Number with Wells Fargo is XXXX. Due to a job loss with XXXX, I got behind on my mortgage for my home. After some time I was able to secure additional employment with another company. I contacted Wells Fargo immediately to alert them of my current circumstances. I requested a loan modification with possible principal reduction, interest rate reduction or an extension of the loan. I requested the loan modification in writing and directly with a loan officer in an office in XXXX, North Carolina. I also had some discussion ( in writing ) with the bank 's CEO.I was told that a modification would be possible and began making payments based on the modification. While waiting for my official modification, I started receiving letters from an attorney from XXXX and XXXX indicating that I was my loan was in default. This harassment continued although I was told that the modification was forthcoming. After several months, I received a letter by the attorney representing Wells Forgo stating that my house was being foreclosed. I was told that it was sold to a third party and that I had no other choice but to vacate the premises. My discussion with the attorney- XXXX XXXX XXXX throughout XXXX. I was told that I had to until XXXX XXXX, 2015 to vacate the property. I received no further notices, nor did I sign any papers or affidavit, nor appear at any court hearing. I was not notified about any hearing or sale of my property. I went to my house on XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, North Carolina only to find that I was not able to gain entry to my house. The locks had been changed and were dead bolted by a realtor 's lock. There was a note on the door to contact someone for questions regarding the lock. I contacted the number and it belonged to a XXXX who was sold the house. XXXX indicated that he had discarded some of my possessions and that I may not be able to get back in at that time. After some heated discussion with XXXX, I was able to get him to come and unlock the door so that I could get my things. Upon entering the house I found that there were several items missing : - XXXX '' in color television, sectional sofa, kings size bed, dining room set and mattress. XXXX indicated that he asked the neighbors if I was returning and that they had no idea. Those items were discarded without my permission and I was locked out of my house without warning, court order or official papers from any attorney or judge. I was promised that I would receive a modification but I was tossed out instead without notice or recourse. Furthermore, I was assessed a tremendous amount of late escrow and penalty fees on top on top of the mortgage while waiting for a loan modification.
I received the following email and Western Union will not release my payment to XXXX XXXX or back to me. I feel this request is not safe over the internet and should not give my personal information across the internet. There is no address or phone number on the email so to me it a scam. However, Western Union is now holding my money and will not release it which is causing me stress, as this is a car note payment that is currently in collections. 
Dear XXXX, On behalf of Western Union, we want to inform you that your recent transaction is currently on hold under security review. In order to continue processing, we need to verify your identity with a front-and-back copy of a government issued photo ID ; e.g., passport or drivers license. Please reply to this e-mail ( XXXX ) with a copy of the ID and its translation into English plus the following information : Your current address Your city of birth If you have any further questions or concerns, please contact our local Customer Service Center at the number indicated in your receipt with your tracking # ( XXXX ) available for assistance. Thank you. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The information transmitted, including any content in this communication is confidential, is intended only for the use of the intended recipient and is the property of The Western Union Company or its affiliates and subsidiaries. If you are not the intended recipient, you are hereby notified that any use of the information contained in or transmitted with the communication or dissemination, distribution, or copying of this communication is strictly prohibited. If you have received this communication in error, please notify the Western Union sender immediately by replying to this message and delete the original message
I took out a loan on XX/XX/XXXX2017. Interest rate is 786 % I have paid 7 payments of {$220.00} biweekly. The finance charge is {$1800.00} on {$750.00} loan. Total amount I will pay for this loan is {$2600.00}. I feel this is too much interest. I still have 5 more payments.
In XXXX of 2014 my real estate agent ( XXXX ) submitted a contract on my behalf for a short sale home owned by Chase Banking. After 6 months of continuous waiting and no status updates ( approx. XXXX XXXX, 2015 ) Chase finally acknowledged the contract and countered the original offer - we agreed. Finally, ( we thought XXXX things were on its way to being finalized. From there, the inspection was done- serious issues were addressed and being handled. That, in itself, took a little more time than we cognized and was eventually rectified. Next, the appraisal was done- it came back fine- with minor improvements to be done. After roughly 1 1/2 months of negotiating, my bank could now get my financing finalized ( I was preapproved for a {$7500.00} downpayment and closing cost grant ). I was also receiving an FHA loan and my paperwork could not be fully processed until all the repairs were improvised and/or rectified. While waiting to hear back from the grant approval team, we received an email from the seller 's agent ( approx. XXXX XXXX ) stating " Chase has officially denied the contract '' with no warning, extension or any explanation. My banker, the seller 's agent and my real estate agent were completely and utterly in shock by this unforseen action. The seller 's agent along with my banker sent a slew of emails with evidenced data regarding my full approval -but we never heard anything from them. This was a spontaneous act that hindered, interferred and just simply hurt my families progress and well- being, with no " JUSTIFICATION ''. I have XXXX young children and I had already put in my 30 day notice to move out of my townhome. I had an inspection ( {$380.00} ) and appraisal ( {$470.00} ) done on the property prior to this happening. I was genuinely interested in the home and did everything that was in my power to get things done in a timely manner. However, they had my team waiting for 6 months before they even touched my contract but they could n't wait a few weeks for my official process to be completed. If anything, they could have explained their rational behind their actions. I could not have just exited the contract without reasoning in the middle of it. The bottom line is ; I felt like I was bullied and mistreated unfairly because I was purchasing a home that was priced below market value and I was an assumed indigent. I 've called and spoken to XXXX XXXX at Chase Executive office. After playing phone tag for several days, she ambiguously explained to me that ; she could not give me any information regarding the account because I was not the primary account holder- which I understood. Which, she knew that I did not have an account with them, I explained that to her in my at length email that she received. The bottom line is ; the whole entire ordeal was bias and unethical and I felt discriminated against.
Southeast Toyota Finance ( phone number XXXX calls my number 3-4 times per day asking for someone who used to work for me.
Citibank advertises to provide customer service, yet their customer service is a dismal failure fraught with agents who either have no idea what they are doing or are simply lazy. I have been an excellent customer of Citbank for years -- always paying my credit card in full monthly. Last month, I misplaced the statement and found it five days after the payment date. I immediately made a payment in full and called Citibank to explain the oversight and request that they waive the fees. The agent agreed. I verified two days later that the payment from my bank to Citibank had posted. The interest was never credited back to the account. I am in the process of applying for a Mortgage. Citibank reported my account as past due, which resulted in my not qualifying for the rate I had been promised by the loan officer. The loan officer told me I could write a letter of explanation and attach a letter from Citi showing my account number and the current balance due. She explained that time was of the essence. I immediately called Citi and the agent agreed to fax the letter to the Loan Officer and upload a copy to my Citi portal. She said that was the quickest turn around she could offer. She never uploaded the letter to my portal and the letter she faxed to the Loan Officer, which arrived 24 hours later, was not correct as it did n't include my full account number. ( As an aside three days prior I inquired with Citi to find out what " flags '' they put on my account. The Customer Service Agent who I spoke with at length told me he would research and call me back the following Monday to explain. He never did. ) So, I called Citibank customer service again and requested to speak to a manager. I was routed to an agent named XXXX ( they do n't share their last names ) who claimed to be a Sr. Supervisor of the customer service team. XXXX told me that Citi can not provide a letter with the full account number because it 's against their policy. He said that they can only reveal a full account number in the case of an emergency and he did n't deem my situation an emergency -- even after I explained that not having the correct documentation timely would cost me several thousand dollars. My loan officer explained to XXXX that the request for a letter with full account number and balance due is a routine request from lenders. He would n't budge and refused to escalate my call to a more senior person at Citi.
I have been paying my student loans to Navient at {$450.00} a month and when I approached the pay off date for my 2 of my 4 student loans ( XX/XX/XXXX ), Naviet claimed the loans were under reported and therefore I owed additional money. I paid the additional money and they issued new payment coupons. I received a payoff letter for the first 2 loans ( XX/XX/XXXX ). I continued to make payment per the payment coupons they issued and thought I paid off the remains 2 loans with the XX/XX/XXXX payment. However, I received a billing for additional money which they claim was again the result of under reporting for these loans. Even though they amended the payment coupons and issued new ones starting in XX/XX/XXXX.

When I call to question these errors all they do is send me listing of my last 50 payments which show I make my payment but do not explain or justify how I could owe additional money again to pay off these loans. How is it possible that they can not know the payoff amounts or accurately issue payment coupons. They expect me to accept their claim for additional money owed without any justification other than it was calculated in error.
The company that is handling this debt is called XXXX XXXX XXXX. The phone number I have for them is XXXX and the woman I spoke with is named XXXX XXXX at ext XXXX. She called my home on XX/XX/XXXX and left a message about an outstanding account that was initially with CashNet USA ( online payday ) back in XX/XX/XXXX. She repeatedly threatened with jail time over this debt. I know that this debt was paid by the bank because when they pulled out the full amount owed from the account, that bank account ended up closing out with about $ 1400-1500 left owing the bank. After repeatedly being hung up on while trying to talk to her about this, I did some research and located this site. When I realized what she was doing was wrong and even illegal, I decided to file a claim.
I checked my credit report because I was denied credit. I called and contacted the company and asked to receive a written/letter of notification that I owe this debt. The person I talked to would not send out a notification. He stated that they would email a notification if I would set up payment arrangements XXXX. I feel that this is not right. I only know about the debt because I checked my credit report. I have not received any type of letter from this debt collector that I owe a debt. I also feel that he was very pushy in wanting me to set up arrangements and pay off my debt, even though they have not mailed me any correspondence that I owe a debt.
On XX/XX/2017, I submitted a regular monthly payment ( actually it was {$0.00} above the monthly amount ). On XX/XX/2017, I made a secondary payment of {$50.00} and requested this to be allocated to the principal only ( it was written on the check ). I checked on XX/XX/2017 to confirm the allocation to principal. This second payment was not allocated to the principal, it was allocated to interest. I called to have Navient correct the payment. I was told over the phone that any additional payments would go towards interest only. I rebutted the issue. I saved up extra money this month to make this principal payment. I requested the call be escalated. After waiting over 30 minutes, the call was terminated by Navient. I have not been contacted as of yet. The second payment still shows as being allocated to interest.
In XX/XX/2014 I allowed my contract with XXXX to expire to seek phone service elsewhere. XXXX assessed early termination charges that I believed to be inappropriate. I repeatedly requested verification of the basis for charges. XXXX repeatedly failed ( refused ) to provide requested verification. Ultimately, XXXX sent the charges to collections. I have now responded to the following collection entities ; XXXX, XXXX and now Convergent. In each instances I have rejected settlement offers pending verification of the basis of the debt. Thus far XXXX and XXXX have apparently abandon their attempts. The most recent attempt was made by Convergent. I have responded as indicated above. I am hopeful that some final resolution can be enforced by the Consumer Financial Protection Bureau.
Bank of America closed out a file that we were processing a short sale on with no explanation other than the investor denied the file. Now that we have received an offer on the home for the short sale on XXXX/XXXX/15. BofA has now closed it our again in the Equator system. The reason this time was because FHA/HUD denied the file which is not correct. XXXX the negotiator who was assigned to the file advised us that their was no reasoning as to why they wanted to close the file, so we contacted HUD directly and escalated the issue with them personal. I have spoke with XXXX at HUD informed us that they never denied the file at all and that he would have management review the information. Bank of America in little words is on HUD 's XXXX list as they are having several complaints about the way they service their loans. The new case # with HUD is XXXX. XXXX at HUD who has been the only person talking to about these issues, is really helpful to us in this situation at the moment. Usually when a investor denies a file for a certain reason, the negotiator person assigned to the account at the lenders will contact us to inform us. At that time we would take the appropriate actions to adjust or agree to their request so we could proceed with approval of the short sale of the home. We turned in our offer to Bank of America in time to the ATP ( approval to participate ) expiring. We also could of closed on this short sale of the home several times before if BofA would n't close this account out every time or would take so long to complete the modification requirements prior to proceeding with the short sale and or reviewing the file before the buyers walk. We have had XXXX buyers walk on this property because of the lengthy time and/or person assigned to work the account not working it or to even review the information or documents sent in. The BPO/Apprisal came back at $ XXXX and the offer we got is $ XXXX, which is a good offer to meet the BPO/Apprisal net. From my point of view they just want the property to go to foreclosure and not work with us or the sellers on short sale of their home. Bank of America never followed short sale protocol and/or the investor requirements or request. HUD/FHA is highly upset with BofA and is implementing new procedures for Bank of America to follow, which will hopefully help the situations in the future. HUD/FHA is constantly having their property closed out and go to foreclosure instead of helping the home owner like they are supposed to and or required to do. Please help in anyway possible ... THANK YOU!