WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I was charged two overdraft fees in the amounts of {$34.00} dollars totaling to an amount of {$68.00} dollars. One of the transactions was a bill that came out as an ACH and the other transaction was a transfer of {$60.00} dollars using the service XXXX. These are the two transactions that triggered the fees to my account. I received a transfer via XXXX in the amount of {$180.00} dollars to cover the bill and the transfer. Chase apparently has two different cut off times when sending or receiving money with XXXX, depending on the institution that you are sending or receiving from. The money I received was from another financial institution and it was apparently sent past the cut-off time for it to be in my account the same day. But even with that being the case, I was still able to send money using XXXX to another chase customer. I called customer service the following day to inquire about this and they said it was valid because of the cut-off times. So even though the money was showing available for immediate use, it technically was not in the eyes of Chase. When I asked the representative if I were to have made purchases after the transfer was made, and the money was showing available, would i have been charged a fee for every transaction I made? The response was that yes, I would have been charged a fee for each transaction. The reason this is very upsetting and troubling is that one could accuse Chase of baiting customers to make purchases when the funds are available from the customers perspective but not from the perspective of Chase. I advised them that it was not possible for me to be able to send money with XXXX if I did not have it in the account and that system will not allow you to send money if the funds are not there. It is impossible and NOT at the discretion of Chase, which is what I was told by all 3 of these agents.

After speaking with 3 different agents, I was able to speak with XXXX a manager at one of the call centers who submitted one of the fees as a bank error, but warned me it would be returned and re-applied to the account after another department reviewed it. He submitted the other as a courtesy to be waived even though I requested they both be waived as bank errors multiple times. 
An investigation of some sort should happen into this process and what I would go on to call a scam on behalf of Chase.
I applied for a secure credit card on  XX/XX/XXXX . I provided all of the required information and I was still rejected. Discover card discriminated against me prior in  XX/XX/XXXX  also, there is systemic credit discrimination going on at this company.
I have repeatedly received phone calls from this company to the point I had to change my number. During one phone call I was threatened to be sued and lose everything I own over a little debt that is NOT my debt! I have never received anything to validate this debt from this company!
I have a direct student loan through XXXX XXXX XXXX. I have been making payments ontime since XXXX. I received verification that my employer and I qualify for public loan forgiveness. However, I learned in XXXX that none of my payments I have been making since XXXX qualify toward the 120 payments. I would need to switch to a different repayment plan and start from scratch. The repayment plan that I am in when I signed up was called " standard repayment, '' so I do n't understand why this repayment plan does not count.
Bank of Hawaii is refusing to provide copies of checking account agreements and signature cards. They refuse to do so absent a court order or subpoena according to their customer service representative and the 'supervisor XXXX '. They will also not provide their names or employee ID so there is NO accountability. This is poor customer service. They only provide a single phone # XXXX.
i have XXXX total loans from sallie mae. I made my 2 first months payments and i realized it way to high for me to afford. i made countless attempts over the phone to get them to help me make reasonable payments. they are very hard to speak to, never get the job done. i payed to be in forbearance so i can save up to be able to pay off the monthly loan payments which equal out close to a {$1000.00} a month. i barely make XXXX a year. they made me pay {$50.00} per loan to enroll me into forbearance. Then a few days after they started calling me for payments and they said sorry we made an error. They re read the terms and made me accept and them said they will mail me a typed letter telling me I am in forbearance from XX/XX/XXXX-XX/XX/XXXX and my payments will resume in XX/XX/XXXX. then letter stated otherwise saying the forbearance term is from XX/XX/XXXX-XX/XX/XXXX. I called them to correct it because i made my XX/XX/XXXX payment and agreed to a XX/XX/XXXX-XX/XX/XXXX in forbearance. They said do n't worry we got you covered. a few days after they called and said we cant enroll you in forbearance in all XXXX loans. The rep had made a mistake. So basically, they are n't making any efforts to resolve this issue and help me make my affordable monthly payments. please help me. im a student with $ XXXX in loans and i want to do my part in paying but i ca n't afford what they want from me.
XX/XX/2016 I paid this debt to the original creditor. That month j also received a letter from RCI. I called them and informed them the debt was paid. They said they would contact the original creditor to confirm. In XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX I have received letters and phone calls in regards to the same debt. I spoke with an agent last month after calling the original creditor to confirm the debt is paid and was informed it was and another notice was sent to RCI. I called RCI last month and went thru the entire thing again about it being paid and they can no longer collect on a debt that 's been paid. He informed me it was my job to prove the debt had been paid. So I informed him of my confirmation number from my credit card and also the information from the original creditor of the date it was reported paid to them. That was the end. Finally last week I received another letter trying to collect this debt. Today I called yet again the original creditor and confirmed payment and no other accounts with them. The manager also called RCI while I was talking to a representative and confirmed it reported as paid. I was informed it 's all taken care of. I then followed up with RCI to confirm they have it noted as paid ; they said no. I asked them to check with their client services to see if they received a call from XXXX at the Original creditor reporting the specific account paid. She came back on the phone and said yes it 's been reported as paid. I asked if she could confirm that I will no longer be receiving phone calls or letters from them. She became argumentative ; so I ended the call informing them that they have been reported to the Attorney General.
I applied with Bank of America onXX/XX/XXXX to refinance my home loan. On XX/XX/XXXX I authorized XXXX the loan representative to charge my Bank of America Credit card to pay for a home inspection and credit report. The total cost was XXXX. We still did not have any movement on this loan and never received the home inspection nor the credit reports. After three months we told XXXX that we would like the XXXX back and to cancel the loan application as it was taking to much time. He called us back and stated on the voice mail that he would put the credit back in to the card. At sometime the end of XX/XX/XXXX we applied with XXXX XXXX XXXX and closed onXX/XX/XXXX. We have been calling Bank of America for over 10 months and they have yet to return our Money. The fee for the home inspection that we never got was {$420.00} and to run our credit reports was {$15.00} each for myself and my spouse. To date we have not been able to get Bank of America to return our money. XXXX assured us that he would refund out {$450.00} when we told him to cancel the application. We never received our home inspection nor did we get our credit reports. So I paid for something that I never received.
My husband lost his job XX/XX/XXXX. We immediately contacted our XXXX mortgage companies in order to try to delay payments and/ or find out what options were available to help us while he was searching for a new job. XXXX companies had us start " loan mitigation/modification '' processes. Our first mortgage company worked with us to move our past due payments to the end of our loan and we were able to catch up after my husband was able to find another job XX/XX/XXXX. Our second mortgage company, US Bank, literally put us through months of paperwork, faxing at over XXXX pages of documentation, supposedly " lost '' the documentation, and had us re-submit it numerous times. In the end, it was a futile attempt to receive any type of help from that company. After we were trying to make extra payments, they recently refused to take '' partial payments '' and forced us to do the " loan mitigation '' process all over again, although none of the previous circumstances had changed that they turned down the first time we went through this. Because they would n't even accept partial payments while this was happening for months, this caused the past due amount to become even higher. They only ended up offering us what they called a " temporary payment plan ''. 
Our normal monthly payment was {$500.00} with an interest rate of 12.65 % and they want us to pay 4 times that amount at {$2100.00} a month for 3 months and if we do n't, they are threatening foresclosure on our house. We have received no assistance with the loan, because they give the main reason of it not being the " primary mortgage loan ''. It has always been our second mortgage in the form of a home equity loan that we have been paying on for years now. When they considered out situation and requested our financial information over and over, they only placed into consideration the amount we pay a month for our XXXX mortgages, no other loans or monthly expenses, to say thay they see a huge monthly " surplus '' that does not exist. We have a family of XXXX, with XXXX child in college, and there is no feasible way we can try to pay these amounts and still be able to pay our bills, gas and groceries. All we were asking for, for over 2 years now, was to get some short term help and US Bank has in no way made any attempt to help us through this. They have placed us in a very difficult position and only seem interested in putting us into foreclosure to take our home. That is the " threat '' they have stated in the communications multiple times. We feel helpless and do n't know who or where to turn to try and get someone to listen and / or help.
In  XXXX  of  XXXX , I applied for  IBR. I w as approved for $   XXXX   monthly installments. I was told my past payment history would be ma rked PTD  and the " late payments '' would be removed. They were not.  <P/> In  XXXX  of  XXXX  renewed this option. They denied the application and i called  XXXX   XXXX  and  XXXX   XXXX  of  XXXX  to try to fix this. They forced me to claim 2 months of forbearance for their clerical error.  <P/> On  XX/XX/XXXX  I was suppose to begin making payments of {$35.00}, when I called that same day was forced to take another month of forbearance due to continued errors on their part. Was informed payments would start  XX/XX/XXXX  On  XX/XX/XXXX  I called again for info, according to them my payments were {$94.00} and they lost the signature page. Was then placed on a 60 day administrative hold to reapply  Reapplied for IBR   XX/XX/XXXX  Received bill  XX/XX/XXXX  saying i owe  XXXX  a month received another statement  XX/XX/XXXX saying I owed  XXXX  a month Called  XX/XX/XXXX  and explained all confusion and they rushed the  XX/XX/XXXX  application after trying to force me to again to take forbearance.  <P/> Reapplied f or IBR   XX/XX/XXXX  received notice that the application wasnt approved after they again lost documentation i sent in ( signature page and  XXXX  ). Called and attempted to resolve XX/XX/XXXX  with no resolution.  <P/> They tried to move my monthly payment up from  XX/XX/XXXX  to  XX/XX/XXXX . Called to see if they had finally fixed this  XX/XX/XXXX , and they finally had it all fixed correctly.  <P/> I have document to prove this, just can not attach them from my phone. I am willing to be contacted.
I receive robocalls and other types of calls from someone claiming to be " ERC ''. I have not engaged with these people by responding to any questions or by calling them back. 
I do not have any outstanding debts whatsoever. I owe no one money. I am not in arrears on any debt. 
My name and home phone number are publicly available, but the number is on the " do not call '' registry. 
As I owe no money, and my number is on the registry, I believe that ERC is engaging in fraudulent activity.
I bank with Wells Fargo. On Saturday, XXXX XXXX around XXXX I tried to buy sporting event tickets from someone who posted an ad, and I sent {$200.00} to a mobile number through Wells Fargo 's XXXX Payment option, thinking that the XXXX XXXX would have some sort of basic protection coverage and that it was a safe way to transfer money. The person who initiated the transaction never delivered the tickets and stole my {$200.00} and stopped communicating with me. We then checked from a different phone number to see if he still " had tickets '' and of course he offered the same deal to our request- continuing to scam other people. I was scammed into giving {$200.00} through XXXX and have been told that there is no way for me to get my money back, even after speaking with Wells Fargo customer service immediately after this happened, with them telling me, " No problem, we will research this and get you your money back within 1-3 business days. Please file a police report. '' And they also gave me a case number that they said we could use to check up on. We created a police report and have yet to hear anything about it. So we waited, called Wells Fargo back, and then were told that, " The person who gave you that information was wrong, and there is no such case number with our fraud division, it looks like you made a money movement claim. '' They said that if the charge was pending it was likely reversible and then we were told that was also not possible. We are now supposed to wait up to 10 business days for them to investigate.
I have tried several times to let the three credit bureaus and creditors know that I am permanantly XXXX and collect XXXX benefits to live on. All three credit bureaus and creditors have gotten together to damage me and my credit. The credit bureaus and creditors refuse to remove the collection accounts from my credit reports. Causing me to have bad credit. I even got a call from a debt collectors from XXXX XXXX saying that I could be arrested if I didn't pay off the debt. But they never sent me court papers. I dont want to go to jail for money I dont have. I just want all of this to stop. I dont have the money and I want it removed from my credit reports.
My mortgage holder, Select Portfolio Servicing ( SPS ), performed an escrow analysis on my account and mailed me a letter informing me of such in early XXXX XXXX. In the letter, I was informed that, based on their projections for the year, I had overpaid my escrow by about {$700.00} and that I could expect a refund. No timeline for the refund was provided in the letter. 
Maybe a week after receiving the letter, I contacted SPS to see when they might be mailing me my refund. I was told the check would be mailed on XXXX XXXX XXXX. I waited for the refund to appear in my mailbox and it never did. 
I contacted SPS in mid XXXX XXXX and was told the check was mailed on XXXX XXXX XXXX. They were surprised that I had n't gotten it in the mail yet and I was told that the check would be cancelled and a new check issued. During this conversation, as in all prior and subsequent conversations, I was prompted to verify my property and mailing address ( they are the same ) with SPS 's call center representatives. 
I have been in regular contact with numerous SPS call center representatives in the past 3 weeks or so ( none are able to give me their direct contact information, as they are 'call center ' workers ) and none of them has been able to verify for me where my refund check is and when I might see it. The best answer I 've gotten is somewhere along the lines of 'I 've alerted my supervisor and noted it in your record '.

I understand federal law ( RESPA ) requires companies like SPS, following their annual escrow analyses, refund any escrow overpayments of {$50.00} or more to the lender ( s ) within 30 days. My concern is that deadline has come and gone and I still have n't gotten my refund.

SPS has my correct mailing address. Otherwise, I never would have been alerted to their analysis of my escrow nor my escrow overage in the first place. I suspect they never sent me a check on XXXX XXXX XXXX and are in violation of federal law. 
Also, XXXX is coming ; I want my money.
XXXX-2017 I XXXX XXXX contacted equifax and XXXX  about unauthorized inquiries also put a fraud alert on my consumer report. XXXX-2017 i called to inquire again about the inquiries to no avail I was rudely told they could not be removed. XXXX-2017 I contacted equifax and XXXX in a final attempt to get them removed. I spoke with XXXX and a rep from XXXX who said they would dispute all inquiries instead for an authorized one from XXXX XXXX made on XXXX/XXXX/2017.
I have a business account with BB & T. There was an unexpected transaction which overdrafted the account. The problem I 'm having, is this has been two weeks ago, and now everyday they are charging me {$100.00} in bogus returned item fees. The fees have now accumulated over {$1000.00}. There have been no debits, only credits, and I still can not keep them from charging additional fees that are overdrafting the account. I get charged overdraft fees even when the account is positive. This practice is unethical, and it 's hurting my business. They have taken an entire weeks worth of revenue, and it 's still going. They refuse to freeze or suspend the account, nor will they allow me to close it. I 'm stuck paying {$100.00} for unexplainable fees. If you see the account, you wo n't believe it.
Equifax continues to show on our credit reports XXXX Chapter XXXX bankruptcy filings from XX/XX/XXXX and XX/XX/XXXX as if they are still active Bankruptcies, despite XXXX complaints and proof that both bankruptcies were filed well over 7 years ago and should have been removed in XX/XX/XXXX and XX/XX/XXXX respectively. See attached rules for removal of Bankruptcies from credit reports and latest incorrect response from Equifax. This incorrect reporting is badly harming my credit.
The MASSIVE Equifax hack ( XX/XX/2017 ) exposed personal info for the umpteenth time to Hackers. Yet the CFPB & it's incompetent, do NOTHING head XXXX XXXX gave the company a pass and has done NOTHING, a la Trump, to PUNISH the executives @ Equifax who PROFITED from this massive invasion of consumers privacy. The total lack of action by the CFPB, XXXX and the Trump administration is CRIMINAL, to say the least. The government is NOT protecting our credit & financial information. This is total XXXX!!! We pay taxes to government agencies and they do little to NOTHING to help & protect the citizens. Absolutely NOTHING. I'll hire a consumer rights attorney specializing in Credit to help me.
I received a copy of a letter from Wells Fargo dated XX/XX/XXXX sent to my attorney and the CFPB. In their response, they included exhibit documents A, and B for the CEMA. CONVENIENTLY, they choose not to include the attached Exhibit D in their 71 page response. This document shows a notary stamp and the notary 's signature of the document. This document, Exhibit " D '', was never signed by myself or my wife.This proves that the notary was not present at the closing, and notarized all the document afterwards.This brings into question any of the other signatures on other forms, and that other documents were falsified after the " closing ''.
I have been disputing a inaccurate bankruptcy # XXXX that is reporting on my credit report. I initially starting the dispute with Transunion XX/XX/2017 and I have submitted a dispute every 60 days asking for them to provide documentation. I have provided documentation to Transunion several times proving that the bankruptcy on my credit report is not valid. I have disputed the bankruptcy with XXXX XXXX who is the 3rd party provider who initially sold the inaccurate information to Transunion. XXXX XXXX completed their own investigation and have deleted the inaccurate information from their system. I also have wrote the federal bankruptcy court and they verified they do not report any information to the credit bureaus and they have no control over the errors that are being reported by the credit bureaus. Transunion has been unable to provide any time of documentation or proof of where they are receiving their erroronous information. Transunion is violating the fair credit reporting act by reporting inaccurate information that cant be proven. Per the fair credit reporting act inaccurate or undocumented information must be removed immediately.
I had a sick pet XXXX at the XXXX animal hospital in XXXX XXXX. The XXXX suggested I could pay for the procedure with Care Credit 18 month interest free. Having no money for the procedure it sounded like my only option at the time so I signed up. I set up my payment plan and started making monthly payments. I continued to pay on a monthly basis and thought I would be paid off by the time interest would start to accrue and it would be minimal at the end of 18 months. In the mean time follow up visits to the vet were necessary and paid for on care credit. I continued to pay monthly payments for roughly 3 years. My statements were electronic and I set up automatic withdrawal from my bank account. Thinking I was close to paying off my debt I went on to the care credit website and intended to pay the remaining balance in full. I was shocked. I now owed more than my original balance. I owed even more than my entire credit limit with them. The customer website was no help. I can log in, make a payment, and see my balance, however it is unclear what I am actually paying for and there is no history of my original transactions. I found it odd that the account history was not available save that I made my regular payments for the last few months. I contacted customer service and they explained that I owed them all the interest at 26.99 % as it was n't interest free, it was actually deferred for the 18 month promotional period. This was never explained to me when I agreed to use this credit line. I asked what I could do about deferring the interest and paying my remaining balance. Customer service told me I could resolve this and settle my account by paying my balance in full including the 26.99 % interest. Upon inquiring what other options were available I was told I could go into default, which would adversely affect my credit. Pay them or ruin my credit. I then requested a paper copy of my account history, which I now have. After researching if this has happened to anyone else I came across this article on the XXXX website : XXXX XXXX This is what happened to me. I am willing to pay what I owe on the terms I agreed to. Not what I unknowingly and unwittingly agreed to. I believe I was deceived by GE Capital and Care Credit and have been taken advantage of. My debt has been more than paid in full and at this point I am just paying interest on a balance consisting of interest. GE has made enough off money of my misfortune.