WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America is offering a {$100.00} bonus when you open a new eligible checking account and complete the following requirements : Receive two qualifying direct deposits of at least {$250.00} each within 90 days Opened eligible checking account online via proper website links on XX/XX/2018 Account approved same day, accessed, setup and provided all requested information and obtained access to account via online banking service login. 
Began to setup direct deposit with employer the next day XX/XX/2018. 
Opening deposit of amount of XXXX from provided account of another bank was transferred and completed to Bank of America on XX/XX/2018. 
Received Debit card and deposit checks in postal mail on XX/XX/2018. 
After holding my funds for almost a week, received email subjected " Action Required : Unable to complete opening Deposit as requested '' on XX/XX/2018, and on same date, transferred funds were pending to be sent back to funding bank originally sent from. 
Trying to log into account via website service after told to do so from email returned messages of no such account, no profit existing of my info. 
Call Bank of America for answers XX/XX/2018. 
Bank of America Representative gives notice that because my account was considered fraudulent, I had to instead go to a branch and provide two forms of ID, my government issued ID and they wanted my social security number card to be present, meanwhile I had already had my account approved and open for a weeks time. 
Bank of America provided no communication about the seriousness of the situation and instead allowed a simple message of failure to fund account ( which was not valid a week ago ) and allow a customer to mistakenly move their pay check into a bank that has decided on their own accord to not do business without changing the agreements presented and agreed upon prior to their own changed decisions. No good faith made in communication whatsoever.
Took out a loan with the company XXXX on or about XX/XX/XXXX for the amount of XXXX dollars.The account went into default XX/XX/XXXX. I paid XXXX XXXX in XXXX or XXXX The full amount I owed them. XXXX XXXX has the record and exact date the loan was paid off. The problem I'm having XXXX XXXX uses a company by the name of AD Astra for recovery services. This company have been reporting this account to all three credit reporting agencies which by the way since XXXX or XXXX has been a XXXX  balance. I have call XXXX XXXX and AD Astra to resolve this issue and have not been given any sort of resolution. I'm currently using XXXX XXXX XXXX to assist me in the resolution of this account. I been working with XXXX XXXX since approx. XX/XX/XXXX and nothing they have done has resolved this issue.
on XXXX XXXX XXXX I called rushcard to say my card was lost or stolen they told me the account card was going to be deactivated so i put in dispute and nothing seems to happen on XXXX XXXX and they told me nothing was filed and nothing was on hold the card was still opened and was able to be used so I went online myself and cancaled the card on XXXX the XXXX there was still large charges coming in from facebook on my account and the rush card did nothing to help me when i said to them i was going to call the police and file a complaint agaisnt them they di open a dispute and told me they were going to email me the form to fill out and wait 1 to 3 hours nothing came and then again on the XXXX of XXXX called in and asked agian for the form and nothing was sent XXXX in dispute so what did they do after i was disputing only XXXX charges they went all the way back into my account and filed XXXX charges which in turn will be fraud on my part if i sign the form which still never was sent they love tell you what you want to hear but do nothing to fix it they want your money and collect interest on it while not giving it back to you they refuse to help they are not afraid of the banking laws because they dont fall under it metabank backs them and then metabank say no they use there routing i am at the merecy of rushcard which they dont care about no XXXX but themselves they dont care who steal my money they say i should be more careful not the answer i was looking for so my m, oney is gone and they wont dispute them
I took out XXXX loans with XXXX XXXX. The first XXXX was to get my credit up to finance furniture, and the second one was for moving. I have been unable to pay the full amount due to XXXX and the loss of XXXX part-time job within six months. Tower Loan, even when I do pay, will call me to offer me payday loans, will call me the day my loan is due, and if I am unable to pay the full amount, I get harassing phone calls. I have sent them a hardship letter telling them of what has happened and that I plan on paying them in the near future, but it has fallen on deaf ears. I still get harassed continually by them, and they are not trying to help me at all with any of my payments.
I have recieved multiple calls from a collection agency stating I owe {$340.00} to Fifth Third Bank. Upon asking for verification of the debt Im told it will be emailed to me. It never was. After calling back I was told they do not provide proof of debt, only payment arrangement letters. 

I wasnt able to catch the name of the company however the contact phone number is XXXX
this is agains t CitiMortgage. this is  from a year ago when they reported us late on mortgage. I did tell them that tenant defaulted in  XXXX   2016.  they know its a rental home. regardless they reported me late for months and even did an inspection when I told them what I did. and there was no reason to do an inspection other than try to charge a fee. I feel strongly they can correct the info given the circumstances or put something in there so it does not damage my credit. I currently have a lawsuit against the tenant for damages. please note I know they will sa y Fair credit reporting gives them this avenue. I would like it amended.i am a long te rm customer. please consider. I warned you before hand. please. no scripts. just help in some way. PLEASE no red tape
XXXX XXXX  is not applying payments received to the mortgage account. In total, the bank has not properly applied {$5600.00} received by the bank since XX/XX/2018 to the mortgage. 

A cash payment of {$650.00}, made to a Key Bank branch, is unaccounted for. This is despite having provided them with proof of the payment in the form of a tellers receipt that includes the dollar amount and the account number. This payment was made 4 weeks ago and they still have not provided any information on the whereabouts of these funds. 

In addition, the bank has either held or returned payments of {$1000.00} and {$500.00}. 

The bank does not adhere to or apply the policy stated on their mortgage statement documents regarding partial payments. 

Customer service is is unaware of their policies and can not provide details on policies or the status of payments. 

The bank has failed to provide the terms and conditions that apply to the loan in over three weeks.
I mailed my correct name and address to Experian in XXXX. I gave them proof of address and my social security card and drivers license copies. I even gave them a call in the beginning of XXXX and they have not changed the wrong information on my credit report.
I have disputed both accounts XXXX XXXX XXXX # XXXX and XXXX/XXXX  # XXXX with the credit bureau several times, the last time was in XXXX  of 2018/XXXX  of 2018. Each time the credit bureau investigation concluded that the accounts has been updated/verified. I mailed both XXXX and XXXX/XXXX certified letters. I never received a response from XXXX, XXXX/XXXX response stated that they sold the account to XXXX XXXX XXXX, XXXX and if I have any questions to contact them. XXXX XXXX XXXX, XXXX tried to sue me and XXXX XXXX XXXX, XXXX voluntary dismissed the case. Maybe I am misunderstanding but if the creditors could not provide me with proof of the debt, how can the credit bureaus state that the accounts have been updated/verified.
In XX/XX/XXXX I set up automatic payments on a citizens bank heloc I have. The system took 2 payments in XX/XX/XXXX and did not take a payment in XX/XX/XXXX. When I received my XX/XX/XXXX statement from citizens bank it showed no payment taken. I called customer service and they advised they would fix the problem and reflect one of the two payments made in XX/XX/XXXX as a XX/XX/XXXX payment. Several days later I received a letter from citizens bank collection department dated XX/XX/XXXX. To summarize since i received that letter I have spent more than five hours on the phone with citizens bank customer service receiving totally conflicting information about my loan payments. I have received conflicting emails from citizens bank about my payments. They have now advised they see a payment to someone else 's account ( giving me the name of that other customer of theirs ) taken from my checking account at XXXX XXXX. XXXX XXXX confirms the money was drawn from my account and paid to citizens bank and it was a PHONE payment. I made no such payment. 

XXXX XXXX from citizens bank addressed the problem to me on the phone yesterday morning by saying they see no such record of that payment and to " prove '' to them the payment was taken from my checking account. I informed her they don't see the payment because it went to someone elses account. I have an email confirmation of the payment from citizens bank being applied to an account that is not mine. 
XXXX XXXX further advised that if I made a complaint to the cfpb it would " just come back to her '' which I view as an attempt to discourage me from making the complaint. 
Citizens bank help with this problem has been utterly incompetent and outright arrogant and smug. I would like them to confirm I'm set up for automatic monthly payments and that they have corrected the payment made to somebody else 's account. So far, they have done neither of those things. Given their contradictory customer service information and refusal to straighten out the payment taken from me and credited to somebody else 's account I am deeply concerned about this home equity lender and my account. Customer service has been nothing of that sort ( service ) and contradictory and confusing. I would recommend others be cautious with this lender because I have been given nothing but problems in the more than five hours I have had to spend trying to just make my payments and get confirmation that future payments are set up. They have also now taken money from my checking account with no authorization from me whatsoever to pay someone's ( who I do not know ) account and they have refused to correct that grievous error. By the way, the amount incorrectly taken to pay another customers loan is {$140.00}. I called my XXXX XXXX to advise that is an unauthorized payment. XXXX has credited my account but now I have to fill out a claim form with them and they have to address it with Citizens Bank.
This activity was due to identity theft. I have sent over XXXX letters to the collection agency via my attorney demanding verification of debt ( loan documents, copy of check used for the loan, etc. ) and they have yet to send me anything. My complaint is that they have re-aged the debt several times over the past two years which adds time to it 's removal from my credit report. It 's my belief that they are doing this illegally.
I made my request for my credit report via the XXXX website. Experian refused to provide me my report online and stated that I would have to mail in additional verification. I then went directly to their website and chose an option that required me to pay them for the service, and they immediately provided the report after I paid the fee. 

It is very obvious that they are intentionally circumventing my right to receive a free copy of my report and attempting to get me to pay for their service by refusing to provide reasonable access to my report if I do n't choose their premium service.
I recently had my PNC debit card stolen and misused. PNC took care of the problem and returned my stolen funds. I then transferred money out of the account. The bank made an error and supposedly returned more than they should have. Okay, so now theyre telling me I have an overdraft in the amount of {$4900.00}. I didnt write any bad checks or anything like that to get this overdraft. I simply transferred money from my account that they said was available. If it wasnt available to me, then thats PNCs mistake, not mine! I only went by what the bank told me was mine. I didnt think Id have to check their math! The money is out of my hands at this point. They need to own up to their mistakes.
I have spent hours trying to resolve an issue with my business account at Santander Bank. I have talked to several corporate professionals and each of them have passed my complaint along without giving me the information I am owed as a consumer. On XX/XX/XXXX, I received a letter from XXXX XXXX as a response to my memo to the corporate office on XX/XX/XXXX bringing closure to the case without answering my initial complaint. <P/>In summary, someone changed the address of my business account without my permission. My initial inquiry as to why I could not access my account led to the Bank professional in the office I first opened out the account suggesting I may have changed it and forgotten. I am outraged. <P/>The bank has informed me that they have no idea how this occurred, can not locate the signature card someone filled out to change my address, can not locate the teller or bank professional who made this change and have offered me XXXX Credit for one year. I am already a member of XXXX XXXX. I find this unacceptable. <P/>I deserve to know how this change was made, who made the change and the bank has an obligation to protect my account and not allow such a change to be made without any accountability of safeguards in place to trace such a change. I have been told those records are only kept for several years and they have no way of tracing such a change. I am certain if I went to court and the record was subpoena they would produce the computer generated information. Clearly, fraud has been attempted and I think it is internal to the bank. This is not the first time my account was compromised and I want a real answer.
This complaint is identical to XXXX previous complaints. In every case in these XXXX complaints, Wells Fargo has attempted to resolve the complaint by providing false information to both the CFPB and to me : - XXXX ( XXXX 2016 ) - XXXX ( XXXX 2016 ) - XXXX ( XXXX 2016 ) In summary, the complaint is that I can not transfer funds from my Wells Fargo bank account to a bank in the XXXX. Wells Fargo have claimed in the XXXX previous complaints that transfers are possible using Wells Fargo online. On XXXX 2016 I spoke to XXXX ( Online Banking, XXXX XXXX ) who confirmed that at that time, international transfers were NOT IMPLEMENTED on the web site, but that the web site was due to be updated on XXXX 2016. This claim has proved to be false. Today, it is still impossible to transfer funds using the Wells Fargo web site. Today 's excuse is that a customer needs a US-based cell phone in order to receive a text message during the transaction. I am resident in XXXX, and do not have a XXXX cell phone, and also can not even purchase such a contract. BOTTOM LINE : Wells Fargo is still holding my funds to ransom, even after XXXX complaints and XXXX incorrect Wells Fargo responses to the CFPB.
I have a Wells Fargo credit card, and when I canceled it, they told me that they cant give me the money that Ive paid. I have to wait 45 days.
I am a victim of the recent XXXX data breach and identity theft. The following account, collection account and hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX {$170.00}, XXXX XXXX {$140.00}, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX
A service charge in the amount of {$20.00} was deducted from my checking account on XX/XX/XXXX. I have had a banking relationship with Citizens Bank since XX/XX/XXXX, and I have not previously been charged a similar fee. The charge appeared simply with the description of service charge and I had no idea what it was. 

On XX/XX/XXXX, I noticed this {$20.00} service charge and sent electronic correspondence through Citizens Banks online banking platform questioning the charge. In my correspondence, I requested that the purpose of the charge be explained. I also requested that, if the amount was charged in error, to reimburse the {$20.00} to my account. 

Five days went by without any response from Citizens Bank. On XX/XX/XXXX, I sent another message through Citizens Banks online banking platform asking when I could expect to receive a response. 

On XX/XX/XXXX, I received a response from Citizens Bank representative XXXX XXXX The representatives message was a form letter, but the message advised that by maintaining a monthly combined balance of only {$20000.00} in all your linked Citizens Bank accounts you can waive the monthly maintenance charge on your Circle Checking account. The representatives message offered no redress to my specific complaint, nor did the message provide any explanation as to why the charge was being imposed for the first time ( after many years of owning this account ). 

This appears to be a new interpretation by Citizens Bank. Again, I have had this account for many years and have never been charged a similar fee. I have no record of ever consenting to maintain a {$20000.00} minimum account balance. My Circle Gold Checking account was opened many years ago, and based on the fact that it is no longer referenced on the Citizens Bank website, it appears to be a legacy account type ( i.e. only " Circle Platinum '' accounts seem to be referenced now ). As  such, it is clear that Citizens Bank now intends to charge me a monthly fee of {$20.00} unless I fund this account with a minimum balance of {$20000.00}. I do not consent to this, and I find the unilateral imposition of this pricing to be deceptive on the part of Citizens Bank.
Hello my name is XXXX XXXX. I was behind on my student loan payments, because of medical issues with my daughter and myself. I called Navient to see what my options are to help me get back to an even balance. I entered into an agreement with Navient to be put on to an automatic withdraw to get me caught up. A number of months later my parents made a large payment to Navient, because of the XXXX of my grandparents and the inheritance they received, to bring my balance " current '' or back to XXXX. I continued to still make my monthly payments in accordance with the agreement as my monthly payment. For months my amount due has been XXXX, but i still have had my bank account withdrawn for the same amount. I called customer service to dispute the latest payment that was automatically withdrawn, and to see if I could get a refund. " This is not an option, because i entered into an agreement '' the customer service XXXX told me. The only option was to withdraw from the agreement for future payments. Needless to say I was upset. I know that I entered into an agreement with Navient, but the agreement was unclear at best. The agreement didnt end when my balance was current it was for an amount of time. I believe this is unfair to me, not because of the agreement, but because of the lack of information available to me about this agreement When calling customer services the automated message as well as the representatives continuously say you can visit XXXX for more information. This is untrue. After being on the website for hours, I was unable to find any information regarding my agreement, that I was on an automatic payment ( even though I had the option to enroll in automatic payment for the same loan ), There isnt even access to a future payment schedule outlining payments that are due and the amount. The only information on the website was my past payments and my current amount due, along with repayment options, and limited account summery. I believe I have been misled into this agreement. I would have taken the option to withdraw from this agreement months ago if I had any information made easily available to me regarding my agreement, payment plan, upcoming scheduled payments, but I couldnt find any of this information. I believe Navient is being intentionally vague, misleading, and making it extremely difficult to find important information. Navient does not care about their customers. I believe Navient is the biggest deterrent to the pursuit of higher education. This is even having me consider not sending my XXXX and XXXX XXXX XXXX daughters to collage unless they have a job that provides tuition reimbursement, because what little I am able to save for their collage, will not be enough. Im not writing this just for myself but for the countless others that could be struggling with the same problems I am. 
Thank you for your time. 
XXXX XXXX
I have a secondary property in which I purchased XX/XX/XXXX. I have been making my payments all on time. On XX/XX/XXXX, I received a call from Chase asking me if I needed help with my payments. After a lengthy conversation, it turns out they did not have my correct address in the system -- yet on file, just not in their system. So I received no correspondence in regards to a increase. Since XXXX, they have been filing me delinquent for not paying the full amount, just the partial amount. When I approached them to wave my fees and clear my credit, since I was not notified, and paid the amount in full once I was notified, they denied my request. I do n't understand why they did n't contact me sooner, and not to ask me if I needed help with the $ XXXX/month increase.
XXXX XXXX and Equifax I explain to them that these accounts are not minds they never send me proof of any identification on these accounts even one of them that is an auto car that I never owned I told them to send me A copy of a picture ID purchasing this vehicle and these accounts and addresses all they did is send me an address that I never lived in
Equifax since opening the case with you has reinserted negative inquiries effecting my credit score. More than XXXX it makes it even more difficult to make any sort of effort in maintains health credit to take care of me and my family. XXXX Even though the child support case for XXXX is no longer valid and was only taking XXXX dollars a month because it was know to be fraudulent Equifax still reports it and causes me to be XXXX percent debt to credit. I have submitted police reports IRS affidavits ftc reports to let them know to remove it for months and and they ignore me. Credit affects people 's lives more than anything and they should be hold accountable under those federal laws.