WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, on XX/XX/XXXX someone used my card at a chase ATM when I had just gotten off work at XXXX XXXX, and chase is saying that since the person used my PIN number I am eligible for the fee and they have my account {$210.00} in the whole due to not simply checking the video .The person took the money out at XXXX.
Step 1 : What is this complaint about? 

Bank of America made a {$6000.00} unauthorized withdrawal taking all my funds but {$100.00} from my personal accounts to pay a business credit card debt that the bank was not servicing. 

Step 2 : What type of problem are you having? 
Could not pay regular household expense Step 3 : What happened? 
After having a business accounts hacked and replace three times, I was reluctant to transact business over the phone and going to the branch to transact payments to the business credit card and the branch would communicate that they are no longer servicing the account, which was in a payment arrangement. As a result a few months went by and to my surprise, BofA took most of my money in my checking and savings account. 


Step 4 : What company is this complaint about? 
Bank of America Step 5 : Who are the people involved?

Collections Department
In a attempt to clean up my debit with discover I agreed to a XXXX time payment for this monthly only of XXXX   and XXXX a month starting next month the company took XXXX this month causing overdraft fees and causing me to have to pay XXXX per transactions  that bounced. I never agreed to XXXX this month. To make matters worse they refuse to fix the problem and the number they gave me to call for any problems is not available during the hours the  rep told they were open. I spoke with a manager at discover XXXX call center named XXXX and he refused to help or transfer to the general manager and told the problem would not be fixed  for days. meanwhile my account is still racking up charges..
My automatic payment from XXXX Bank to Ditech Financial was not applied to my account on XXXX XXXX for XXXX XXXX 's mortgage payment. I was not aware of this until XXXX XXXX. I had XXXX Bank fax over proof of payment on XXXX XXXX. After contacting multiple customer services representatives, including XXXX XXXX, my first account supervisor on XXXX and XXXX. I was told it was being processed. XXXX Bank resent the proof of payment as we were told by XXXX, a customer service rep, that the original was unreadable. This was done on XXXX XXXX. After speaking to XXXX in South Dakota ( XXXX, his supervisor sent an e-mail to expedite this ) on XXXX XXXX and XXXX in XXXX on XXXX XXXX, I was told that the ball got dropped and they are now processing that payment. Finally, as of XXXX XXXX, the payment was credited to my account as an " unapplied amount. '' My payment history is now showing a missed payment for XXXX XXXX rather than applying the misapplied amount to that payment. As a result, I am now receiving collection notices via phone, mail and on my front door for a missing payment that was never missing. I have also continued making on time payments since that date and my account payment history reflects this. My current statement shows my next payment is due XXXX XXXX and I assumed my account was current. However, the collection notices are still being sent and I am worried about the effect this will have on my credit as well as my peace of mind. There are many notes attached to my account at Ditech that support the fact that the fault of the missing payment is not mine and the customer service reps have all validated this. However, the collections department does not seems to be aware of this glitch.
I set my account with Kohls on auto pay for my payments. I received a collection call from Kohls on XX/XX/XXXX for no payment in XX/XX/XXXX. On XX/XX/XXXX thanking me for setting up auto pay for my account. Come to find out that after you set up auto pay it does not take effect for 2 months. That is not spelled out in the auto pay agreement, which should be so that you know that you need to continue making payments for that time frame. I believe that they intentionally mislead the customer so that they can collect late penalties and negative credit reporting. If they are going to offer autopay to their customers they need to make all facts regarding the time frame for the auto pay to begin.
In XXXX XXXX I filed bankruptcy, a reaffirmation was requested from Westlake for my vehicle, Westlake did not send the reaffirmation. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX my attorneys office reached out to Westlake to get the reaffirmation agreement. I also contacted Westlake on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Westlake sent a reaffirmation with the incorrect dollar amounts for the balance due on the vehicle, on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I called Westlake to get a reaffirmation with the correct amount sent over so I could sign and send it back. Westlake never sent the corrected reaffirmation agreement. On XXXX/XXXX/XXXX my attorney stated just that I just needed to manually make the corrections to the dollar amounts and send the reaffirmation agreement back to Westlake which I did. Unbeknownst to myself and my attorney my bankruptcy had been discharged on XXXX/XXXX/XXXX. Westlake refused to honor the reaffirmation agreement. Since XXXX/XXXX/XXXX I have disputed that the reaffirmation agreement should be honored and to date I have made my auto payments timely, Westlake is still refusing to honor the reaffirmation agreement therefore payments are not being reflected on my credit. All of my conversations with Westlake were recorded and Westlkae was made aware they were being recorded.
Today I received an alert from my credit monitoring services and saw that a medical debt for {$81.00} was added to my XXXX report. I have never received any communication from the original creditor XXXX XXXX XXXX nor have I received any communication from the collection agency ARC Management. I have never been a patient at XXXX XXXX XXXX and I do not understand why this was added to my credit report. By law the debt collector was required to submit a initial communication regarding this alleged debt to allow it to be disputed if not valid. This debt is not valid and is not my debt. XXXX has caused an adverse affect on my credit worthiness by adding this alleged debt to my report from a hospital I have never been to or heard of. This alleged debt shows opened in XXXX XXXX. I contacted the XXXX XXXX XXXX and they could not find any information regarding the alleged debt. XXXX should not be allowed to add any alleged debt to a persons consumer reports without proper validation and verification. They are not abiding by the FDCP laws that protect consumers against unlawful collection of consumer debts.
I have the same account on my credit report three times, XXXX are regular account the other was just added as a public record yesterday but shows a date of XXXX. This information is wrong this is XXXX account which should be paid in full. 
XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed XXXX Missed Payment {$1400.00} The public record listed below Reference Number XXXX Court Date Status Amount {$1400.00} Classification Type legalitems XXXX Other XXXX XXXX, XXXX Closed {$0.00} This account below is fraud. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX {$4100.00} The XXXX accounts below is not mines. 
XXXX Auto XXXX XXXX, XXXX Open - Collection/Charge-Off {$3000.00} XXXX XXXX Credit Card XXXX XXXX, XXXX Closed {$1000.00}
On XX/XX/2018 at approximately XXXX I received {$1500.00} from a friend of mine. I needed to make travel arrangements to get home. When I tried to transfer the money to my debit card, nothing happened. I assumed the problem was with my debit card. The next morning I attempted to send money to my son from the balance for a movie ticket, and I was informed that my account had been " frozen due to a recent transaction that raised a risk flag ''. After contacting customer service, I was told that the department handling frozen accounts only communicates through email, and they " have 24-48 hours to reach out. '' The following day I contacted customer service again and was told that they actually have 3 to 4 days to reach out. Later the same day, I received an email saying my account was unfrozen. It was not. Eventually I received an email telling me that they would look into the matter. I replied to the email asking what transaction raised a risk flag, as I had only used the app twice, both times only to receive money. I received an email telling me that unfortunately the company is closed on weekends and someone would reach out to me Monday through Friday. While ignoring my question, I was contacted through email and asked to send a copy of my identification. I sent it. A day later I was asked to send a copy of my bank statement. I sent it. I am currently waiting for ANY information, as my account is still frozen. They have refused to give me any reason as to why my account was frozen. I have received money once, and successfully transferred that money to the same debit card I have on file. What is the issue now? When will the money be released?
I have had a simple savings account with Capital one bank for 2 years. I have had {$170.00} deposited in the account. I get the account summary every quarter from the back. I got a letter 2nd Week of XXXX  ' 18 that my account was closed. I was surprised to know that, and I called the bank 's customer service. Customer Service representative said that my account in " abandoned '' and the money was sent to unclaimed funds to the state. XXXX XXXX  did not try to contact me via phone, email or letter about the activity in my account. All I received was one letter saying that my account was closed and funds were submitted to a " State ''. The Customer Service was not able to provide anymore information on how would I go about retrieving my funds back from a " State ''. There was no letter explaining what would be my next steps or what would be the burden of proof to retrieve funds, and how long would it take. This is NOT how a bank is supposed to function. Are our regulations as such that a citizen can not keep funds in a bank for extended period of time without any activity? And isn't the Bank supposed to contact the customer before taking any actions on their accounts?
To Ohio Banking Authorities : PNC Bank has consistently overcharged us on our mortgage since the term started XX/XX/XXXX. In the last 3 years of the 5 year term, they have overcharged us {$400.00}. 
I complained to them a short time ago. I explained I was using the statement they send me every month to calculate the interest and principal. 
For instance, on XXXX XXXX, XXXX, they calculated that the interest payable on XXXX XXXX was {$170.00}, and the principal would be {$2900.00}, for a total of {$3100.00}. 
But the next month, they sent me a statement saying that what they actually took out was : interest of {$190.00}, and the principal was actually {$2900.00}. Every month they do the same thing. Charge us a little more than they say they will. 
I complained to them on the phone. My complaint : Every month they change the interest that they charge. It is always a little greater than the posted interest they ask us to pay. It is always changed in their favor. They told us it was due to monthly fluctualions in the calendar. I said the calendar was known when they issued the loan. They refused to address my complaint. 
Our issue is they are overcharging us. When the loan was created, it was a fixed rate loan that never changes. The calendar never changes. How could it change in their favor every month? 
I enclose my statement from XXXX XXXX, XXXX and XXXX XXXX, XXXX. These statements are part of a monthly pattern of price changes in the bank 's favor every month. I have copies of all of the other statements. Again, every month they tell us what will come out on the XXXX of the month. Then the next statement comes out, and they tell us what they took out last time. It is always higher than what they project they will take out. Always. 
My complaint to the bank was basically ignored. But I feel I have been overcharged, and I continue to be overcharged every month. The amount of the difference between what they tell us they will take out, and what the tell us they already took out will soon be over {$500.00}. If they do this to all of their customers, it would be XXXX dollars of excess interest. 

Thank You
We had been applying for a modification with the original lender, XXXX XXXX, but then they sold the loan to a thieving deceitful company, Rushmore. We fell behind because there was severe damage caused to the house over 2 years ago by a pipe bursting ( not due to our actions we were not held at fault ) but XXXX refused to pay and we used all our money to save the house. The lawyers knew XXXX was wrong but they won anyway, not because they were right ( they finally came to court prepared to pay ) but the judge got " impatient '' with them and dismissed the case!!! So this disgusting company Rushmore is XXXX bent on foreclosing. They are snakes. We had been trying to reach them for months because the mod was not complete with XXXX XXXX, and XXXX XXXX told us just give them that last piece of info on hazard insurance to Rushmore. No Problem. Then we call Rushmore and find they have moved the foreclosure date from XX/XX/XXXX to XX/XX/XXXX, no reason, and have not allowed us to short sell which XXXX XXXX did allow. We had the 37 days required but they did not call us UNTIL IT WAS TOO LATE. Our realtor calls them every day now asking for a little extra time to short sell the house but they wo n't call back. They are forcing us to foreclose because it benefits them. We have been told that Rushmore has no interest in working with customers but makes their money on foreclosures. If this is not resolved and we are not given the few days we 're asking which would allow a short sale, we will take this to Federal court and all consumer agencies online and elsewhere. This is deliberate destruction of a consumers credit. I have now used both my adjournments to move the foreclosure date first to XX/XX/XXXX, then to XX/XX/XXXX.
Debt collector calls multiple times per day. Some are in the morning when I 'm still sleeping.
On  X/X/17    I contacted Trans-union customer service and spoke with  XXXX , I informed her that I was a victim of their " inquiry issue '' and that I was like for them to remove the inquires on my credit report. She was not helpful and would not listen and refused to help take care of the negative inquires reported on my credit report and then hung up on me after I asked if I could please speak to supervisor.
My Tmobile Visa account was closed due to an " internal risk issue '' with {$3000.00} in the account. I 've called multiple time with the first XXXX people telling me the money is simply gone. The third time I called, I was told to send in a picture of my ID next to my face ( a ridiculous request ) as well as receipts from my last transaction ( over a week ago and those receipts are long gone in the trash ) They said there is not other way to get my money back.
In XXXX 2015, I made an arrangement with Navient of XXXX XXXX for a program called The Rate Reduction Plan. Per our agreement, I would successfully make XXXX auto-debited payments from my bank account and this would bring my higher payment which was almost a month past-due since I was making these lower payments, up-to-date. I have proof of XXXX successful payments, and an arrangement for auto-debited payments for XXXX more months. Navient went ahead and reported the pending past due amount to the credit bureau without informing me or my cosigner and thus greatly damaged our credit scores. This is unacceptable as I took proactive responsibility in making payment arrangements with Navient to avoid such actions. I was never informed by any agent or through the automated agreement over the phone, that the pending amount due would be reported. I was only told that once I made these XXXX payments, my account would be made present and start to reflect these new payments. My last successful payment was made on XXXX XXXX, 2015 and my pending amount due prior to arrangements is still saying it is past-due. It is impossible to find an agent who is fully informed on this process and this lack of cohesion reflects poorly on such a large corporation.
I attended school in XX/XX/XXXX for XXXX XXXX at XXXX College in XXXX, LA. I was unable to obtain a job after graduating. I was able to put into forberance for years. I had XXXX children & my husband was the only one working. XXXX XXXX turns to navient & i continue to keep loans in forberance. I had XXXX more kids to equal XXXX children. I file for my XX/XX/XXXX taxes & there is a problem navient wants {$11000.00}. I call explain my situation, we have XXXX children, my husband is the only one to work, and we DO NOT recieve benifets from the state of any kind. While on the phone they lift the debt from irs, and set up a {$5.00} a month payment plan. I was told to be sure an file injured spouse for my husband we did everything instructed. Not only did they take my {$7300.00} income tax but they also took our {$460.00} state tax. This is unfair to us, we use that money to catch up on bills, take our children on vacation, & buy school supplies and clothes. We did what we were told and they still turned around and took the money. I know i own that debt & i have to pay & i would if i could recieve an affordable payment option, not one big chunk. I do not know how we will survive now.
My capital one credit card platinum secured account opened on XX/XX/XXXX and all history was removed by request of capital one of 12 month history along with the tradeline of {$600.00}. Capital one denied this and stated that the account number is reporting to all credit reporting agencies when it is only one and that is XXXX. The tradleine omg with the excellent payment history was removed by request of capital one for XXXX and XXXX. I have contacted and communicated with both CRAs and they both stated that this was indeed by request of the creditor capital one. Now the account is open and active and I do keep the tradeline in very good standing with payment history and use the the credit card. My complaint is I have disputed with capital one since XX/XX/XXXX and they keep sending their results of the investigation to me stating that the tradeline are verified reporting to all CRAs when indeed its not only to one which is XXXX. Capital one does not know why the account was removed and denied that they requested for its removal and stated in a letter that they have verified its posting to all three CRAs by sending a letter also stating that. I asked by how did they verify this posting of the tradeline and by what means and keep sending a letter stating that its posting and posting accurately which it is indeeed only reporting to XXXX and not XXXX and XXXX. The situation still is not corrected and they have had enough time to allow for its resolution. The CRAs XXXX and XXXX have both stayed that they need to submit an reinsertion of the trader line and of XX/XX/XXXX none have been submitted this has been ongoing since XX/XX/XXXX. This is indeed a clear violation of the fcra for inaccurate reporting and only reporting to one CRA and removal of the reporting on XXXX and XXXX resulting in loss of age in credit history and fico scoring capital one have not went to any verification of its reporting or beyond to make sure that it is indeed reporting they have had well over 30days to correct the problem and have failed to do so this account ending in XXXX I have included reports from XXXX XXXX   credit monitoring service as well as the XXXX report. I have an old account and another active account with capital one old account dating from XX/XX/XXXX that was settled and another that is active which is quicksilver opened XX/XX/XXXX these are not to be confused with the account that is still open and active opened XX/XX/XXXX with credit line of {$600.00} account ending in XXXX which is the account removed by capital one to the authorized users on my account their reporting which is weirder and I have included the XXXX report showing the tradeline from capital one of XXXX reporting the only cra reporting it.
I have tried to close this account several times without success. A few months ago I received a bill for a {$59.00} member fee. I called and let them know I dont have an account. On XXXX/XXXX/17 I spent over 30 minutes on the phone and still was unable to close this account. Now with fees and interest they want {$120.00} for a card I have not used and considered dead for a long time. How do I make this stop? I dont even know the account number except for the last four digits that come on the statement, XXXX. I have also filed a complaint with the Michigan Attorney General, XXXX.
My husband and myself are XXXX with excellent credit. We applied for an investment loan twice ( XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX ) through Quicken Loans and on both occassions we were quickly pre-approved and reassured that we 'd be able to close the transaction but later denied funding. On both occassions, after we already had a sales contract, paid for inspecton, application fee and appraisal, and many weeks into the transaction, we were told that the loan could not be funded. 
1. We were not able to purchase a duplex in XX/XX/XXXX/XX/XX/XXXX because after 4-5 weeks after pre-approval and countless documents sent to them, we were told that they could not lend us the money. We were able to put down XXXX % or more of the purchase price. We lost a great investment opportunity with XXXX units already rented and awesome appreciation potential ( we had a sales contract for {$130000.00}, comparable real estate is currently selling for {$230000.00} ) ; we also lost about {$1200.00} in inspection and appraisal fees, and of course, we lost valuable time that we could have used to find funding with another financial institution. We could not purchase this property because we were denied funding. 
2. We applied again XX/XX/XXXX because I work for XXXX, and as a XXXX employee I could get a discount on apraisal and fees. Once again, I was quickly pre-approved, put an offer on a duplex and the seller declined the offer stating that Quicken Loans approved but later does n't close. I went back to Quicken Loans, explained what had happened and asked, if they were confident that we could close. I was, once again, reassured that the loan could be funded, that the seller 's claim was unreasonalble because they 're a reputable company, etc, etc ... We put an offer once again but we had to offer more money for the seller to be confident ( we offered {$15000.00} more ), seller accepted, we had a sales contract, we made an inspection, paid loan fee and a couple of weeks into the transaction Quicken Loans said that the loan could not be funded because they had not noticed that we had other mortgages!!! How in the world our credit ( mine and my husband 's ) gets checked and mortgages go unnoticed? What criteria did they use to pre-approve us? Do QL associates get a commision when people are pre-approved even if guidelines are not followed? Are there guidelines? Are they just playing with consumers to rip us off like XXXX XXXX did? Are they discriminating against us because we are XXXX?
Call from XXXX asking for address to serve papers. Told me she hired by XXXX and XXXX At XXXX number is listed as unknown. Threatening court action if I do n't pay. Wo n't tell me anything about what this is about. I no what bills I have I am not behind. Stop threatening me.
I sent a XXXX payment to these people on XX/XX/2018. For my XXXX mortgage. It was cashed by them on XX/XX/2018. And they are saying they never received it. I sent proof of the payment by sending a copy of the check and a copy of my bank statement from XXXX. They are saying they never received it