WillisBack/dataset-financial-user-claim huggingface dataset:
Nationstar XX/XX/XXXX. Spoke to XXXX. I explained for the 20th time that I am owed 2 months of PMI that would equate to around {$500.00} or {$600.00}. She transferred me to a Supervisor from escrow? After a 30 minute wait. XXXX. Manager in customer service of NS. Said he would follow up with me by XXXX but would call me or email me if he learned something sooner. 

XX/XX/2016 XXXX with Nationstar. Said he could not find my signed form to get my credit for the {$5000.00}. This is at approximately XXXX FL time. Then I talked to XXXX said she was a manager. Said she sent a notice to the dept that handles the {$5000.00} credit to let them know it needed completed. Next I spoke to a PMI manager. Well then she said he stepped out. Said she would call me back in 30 minutes about the PMI. And in a few days she would call me back about the {$5000.00}. XXXX manager of PMI called me at XXXX. Said it 's probably been too long since it happened. Not my fault. I 've asked almost every month. 

XXXX called me again XX/XX/XXXX at XXXX and now said my PMI should not be removed until XXXX but since it 's off now they 're not going to add that back in. He said my payoff has to be at 78 % to have PMI removed. I 'm at 75 %. Sounds like falsification to me. He said the PMI should not come off till XXXX. 

XXXX also said he sees where the {$5000.00} incentive was to come off in XX/XX/XXXX. But he also said he sees where Nationstar requested it from the government on my behalf on XX/XX/XXXX. Something smells fishy These are my notes of just some of the dealings I 've had with Nationstar in hopes of 1. Getting my correct refund for overpayment of PMI and receiving the {$5000.00} credit off my principal. Now there 's a third issue. I made my regular monthly payment in XXXX. I have the confirmation email that was sent to me. But the funds have not been removed from my account I called and spoke to Nationstar and I called my bank and I have sent them three emails and this is still not been taking care of.
This complaint is against Quicken Loans. My wife and I applied for a mortgage through Quicken. We received pre-approval through the company and as a result paid {$500.00} to Quicken for the loan to proceed to closing. After a period of weeks, Quicken Loans decided not to close the loan because it said it could not count a portion of our income. Our concern is that of two of Quicken Loan 's pre-approval staff gave the loan pre-approval after their review but when the loan went to final underwriting another team decided to disqualify a portion of our income with no explanation. We are concerned that the portion of income Quicken ultimately decided not to use is from our small business that is minority and female-owned. We are concerned that somewhere in the higher ups at Quicken Loan there is a discriminatory reviewer who is implementing discriminatory practices against women and minorities. The company employees who gave pre-approval to our applications are also at a loss to explain why the application was rejected in the final stage.
I deposited a check for {$2500.00}. on XX/XX/XXXX. The funds were withdrawn from the checking account of the payee on XX/XX/XXXX @ XXXX. Chase Bank would not release the funds they withdrew for my availability until XX/XX/XXXX. I called to get these funds released and was told they had to do this manually and they could not give me MY money!
Toyota XXXX Toyota financial services has reported incorrectly a 30 day late pay for XX/XX/XXXX. I advised the company that my credit report shows a 30 day late for both XXXX and XXXX and I was initially advised that the XXXX late payment was incorrect as the payment posted on XX/XX/XXXX and that It would be researched. Research was completed and I was advised the credit reporting is correct and it reports 30 days behind meaning that my XXXX and XXXX payment were past due. I was always under the impression that credit reporting reflects current date and not 30 days behind. my XXXX payment was deducted from my account on XX/XX/XXXX, XXXX payment on XX/XX/XXXX.. XXXX payment was indeed past due with XXXX payment postin XX/XX/XXXX ... my payments are due on the XXXX of each month. I was then advised my the rep that it was difficult to see when the payments actually posted because of the late payments. this is the second time I have had an issue with the Toyota reflecting on my credit report incorrectly and that time they also initially indicated there was no error. please help.
My account was frozen by the creditor and a statement of {$89.00} was still post on XX/XX/2017. I made several calls since then and talked to multiple account managers. The final decision was my account would be handed over to another department for review and close down. The creditor kept reporting delinquent account to TransUnion and XXXX  during that period. I couldn't access my account since it was frozen. There's nothing I can do with my account. It is extremely unfair to do this to me.
Ad astra recovery is listed on all   XXXX   of my credit reports as a collection account. Ive contacte d Ad Astra and as ked for them to provide documentation that validates the account and was told they ca n't provide me any paperwork. I proceeded to ask that the account is deleted and they refused to update my credit file.     Under the FC RA 15 U.S.C. [ 1681i ] all un verified accounts must be deleted from each credit report.
Ocwen Loan Servicing is using abusive unfair and deceptive loan servicing tactics in connection with my foreclosure process. Ocwen provided me an approved modification based on personal and financial information I DID NOT PROVIDE TO THEM. 
I declined the modification on XX/XX/XXXX and on XX/XX/XXXX, Ocwen made a motion for renewed summary judgement against because I did not accept the bogus modification. See attached. This is the fourth time Ocwen has done this. 
Ocwen is using the loan modification process to cause me great harm.
On XX/XX/XXXX while researching possible rental apartments in XXXX, XXXX my wife contact what she thought was a 2 bedroom 2 bathroom apartment and asked for more information. After learning about the apartment I researched the realtor and found him to be a legitimate XXXX  realtor. I went to the bank on the morning of Tuesday XX/XX/XXXX and wired the funds to the account they had directed the money to be sent too.

We then contacted our bank US Bank where we had initiated the wire and spoke with the Branch Manager on the afternoon of XX/XX/XXXX. We notified them this was fraud and took the steps necessary to open a fraud case. After they opened the fraud case they said they would not know until Wednesday Morning XX/XX/XXXX, whether they were able to stop the fraud. After checking my bank account to see the money had been taken out. We contacted the wire department and spoke with the case investigator who started that wire fraud is not handled by the FDIC anymore and that we are out the money. We did ask what they were doing to contact the other bank and was told they sent a message and would wait to hear back. The other bank involved is a bank called XXXX XXXX in XXXX.

We spoke to the FDIC at this point to clarify whether wire transfers are covered or not. We were told they are no longer covered by the FDIC and to speak to the consumer protection board and file a complaint against the bank. We are filing the complaint as we are extremely concerned about the negligence that the investigator has shown.
On XX/XX/XXXX i came to realize that my Chase Freedom Credit Card was not in my wallet or in my immediate possession ; so I called the customer service number and reported my card lost/stolen. My card was immediately shut down by Chase, and i was notified that I did have multiple transactions on this card. After going through each transaction, it was discovered that these transactions totaling over {$6000.00} were all fraud. I was told and promised XXXX liability for fraud and was told that I will be issued temporary credit for all of these fraud charges, until 30-90 day investigation takes place. The following day, on XX/XX/XXXX, all of these fraud recharges were rebilled back to me to my new credit card number ; with no further explanation or justification from Chase Freedom card. It was been less then 24 hours after I filed a fraud claim with the credit card, and no possible investigation could have taken place. As of today, i have made over hundreds of phone calls to Chase, spoke with everyone from customer service agents, to fraud agents to senior fraud investigators and even executive office staff. They are refusing to address my problem and to admit fault in their re-bill. I have asked them for proof from merchants, which they are telling me they don't yet have. I told them that they had no right to reverse my temporary credits 20 hours after issuing them to me, and then not provide me with any written letter explaining their decisions and actions. Now that my balance is over {$6000.00} on my card, which is my total c credit limit ; it has impacted my credit score by over 20 points, and to top this all off, i received the only letter from Chase Freedom card last night in the mail ; which states that due to my balance being high, they decided to shut down my credit card!!! My balance should be XXXX, as i was and am still entitled to this fraud credit on my account. After calling them for a whole week, XXXX XXXX to XXXX XXXX when their fraud team closes for the day, all I've been given is a run around, each agents states that they can't help me, and they would have to look at my account and call me back after reading the memos. Nothing has been done and I'm sick and tired f calling merchants myself and hearing that created accounts are indeed Fraudulent and that they believe that Chase should credit me back. Why Chase isn't fighting for me as a consumer? They don't have any merchant receipts to provide to me as they said to me they are still investigating. If thats indeed the case then why did they already re-bill me? I by law am entitled to written explanations pertaining to any actions on my account, and this balance still remains on my account due to their negligence, and instead of correcting their actions and apologizing, they have closed down my credit card further impacting my credit score. Finally, the law limits what you owe if your credit card company doesn't follow the procedures mandated by the Fair Credit Billing Act. Thus, if your credit card issuer tries to collect a charge while it's investigating or violates the act in any other way, you should contact the Federal Trade Commission.
We have excellent credit and pay all our accts within 30 days. However occasional fraud attempts result in need for replacement cards. Thus in early XXXX I requested a replacement card from XXXX and received it. But I also requested an additional card for my wife, which I had rejected years ago for lack of need. Subsequent and repeated requests for status resulted in being told that apparently no one was capable of accessing that information. Finally a call was received from an XXXX rep stating that due to a FRAUD ALERT ( about two years ago ) there was no telephone number on the FRAUD ALERT for them to contact me for approval. Huh? They just did, didn't they? 
The utterly frustrating experience of automated responses, virtual assistants and agents who can not access information is beyond belief. I simply wish to have an additional card for my wife. It has been impossible to get through the 3 credit bureaus automation to attempt to correct the lack of telephone numbers on their reports. I have no idea why that would not have been included. Today I received 3 separate " letters '' from XXXX incorrectly advising they were " confirming '' cancellation of Additional Card application ( s ) allegedly as I " requested ''. This has become a critical Catch 22 situation with no resolution within sight.
Navient my student loan servicer. Navient has been reporting student loans in deferment lowering my XXXX XXXX of over XXXX points in the process. A recent change in my credit report shows exactly how much they have been hurting my credit report. I have student loans for a very long time. Also, my income is low. As a result of low income I am forced into deferment because I can not afford the $ 1700+ monthly payments. I can not obtain credit due to Navient being a major factor in lowering my score. I would like to finish my XXXX XXXX XXXX. However, I can not get a loan
My original loan amount for all three loans was {$160000.00}. I had some trouble paying regularly initially in XXXX.I paid but missed some payments and some were late. In XXXX, I set up an automatic debit from my bank of approximately $ 1700/month. I have made every payment since then on time. I currently still owe {$240000.00} and wo n't have it paid off until XXXX, if I live that long. The total amount I will have paid off, if I live long enough to pay this back will {$410000.00}. What 's more, I can not deduct any of the interest that I pay on these loans, unlike my mortgage. My loans were originally held by XXXX XXXX and I consolidated them through them but they are now owned by Navient. I was told when I consolidated them that I could only do it once. The amount of money I pay per month is a significant amount of my take home income, more than my monthly mortgage payment.
After seeing a promotion on my Citi credit card website, I saw that CitiBank targeted me for a promotion which selected Citi AAdvantage Platinum Mastercard holders and offered them XXXX AAdvantage miles if the targeted customers opened up a CitiGold checking account, made {$1000.00} in purchases, and 2 bill pays. 

I called Citi to opt in to the promotion, opened up the Citigold account, made all the spend limit purchases on the debit card for XXXX and the two bill pays - I did all of this and have yet to get my points, a proper response from Citi, and am being totally stalled. 

I have contacted Citi MULTIPLE times via phone, online messages, and chat. There has not been a proper response, and Citi even got the dates wrong and told me one thing and then another for their 'investigation ' into this matter ( I complained on XXXX XXXX, was told I 'd get a response in two business days, never did- contacted them again ... no response, said my complaint was on XXXX XXXX!!! ) I 've read reports online that this is happening to a lot of people, and it is a shame that Citi has swindled so many people.
I opened my capital one credit card about 2 years ago in XX/XX/XXXX. When opening the card I reviewed the options and went with their Platinum MasterCard which explicitly states there is no annual fee. I have been charged a {$19.00} annual fee for the past two years. Each time they have offered to waive it on a one time basis. I was told on XXXX/XXXX/XXXX at XXXX EST that it is part of my terms and unless I have the paperwork from over two years ago they will not change it. I was also informed by a supervisor that it was possible that I applied for a card with no annual fee, but they while processing the application added on an annual fee. For me to submit an appliaction for a card which has one benefit being no annual fee, and for that application to be " approved '', yet it is not approved since they changed the terms is extremly misleading and deceptive. The link below clearly states in the disclosure for this card " Annual Fee : None. '' even further down in the disclosures there is no mention of annual fee subject to change based on application. 
This is the information they are required to provide for me to make an informed decision and it is the information I used when I decided to apply for this card. I entered the agreement using their information, on their website, which clearly states in no uncertain terms there is no annual fee. 
I have tried to work with their customer service to have this remedied to no avail. I am not asking for any refund as they have waived the fee each year, simply that the fee no longer be assessed in the future. 

https : //www.capitalone.com/credit-cards/platinumXXXX
On XX/XX/2018 i have received a fraudulent check from Bank of the West and the purchaser name was XXXX XXXX. I would like to report this bank that they gave me a check with insufficient money that was fraude. I would like to get my money back of {$1900.00}.
O n   XXXX   XXXX  , 2017, I arr ived in  XXXX   XXXX  for an  XXXX  vacation. On the early morning o f   XXXX   XXXX  , 2017, a thief stole my Chase debit card and cell phone, and apparently immediately began making   fraudulent purchases and withdraws, including an ATM withdraw in the   XXXX   XXXX  , a purchase at a fast food chicken place, and several purchases at a grocery store on the   XXXX   XXXX  . I reported the theft to the local Chase branch on  XXXX   XXXX  in the   XXXX   XXXX   that same day ,   XXXX   XXXX  , 2017 (   XXXX  Thursday  2017 ).  The personal banker put in a claim, and my account was temporarily credited in the amount of approximately {$1400.00} by the next d ay,   XXXX   XXXX  , 2017.    The thief also took out a   {$1600.00}   payday   loan, and had the funds deposited into a long closed  XXXX   XXXX   XXXX   checking account, but that is unrelated to this complaint against Chase Bank. Several days later, Chase temporarily credited my account for an additional approximate {$200.00}. O n   XXXX   XXXX  , 2017,  I read a correspondence from Chase Bank dated that day via Chase 's claims website, stating that Chase investigated my claim, found the charges to be " correct, '' and that in  six days, they wou ld take {$1400.00} from my account. I immediately phoned Chase 's claims department, and agent  XXXX  reopened the claim, so the resolution of that is pending.  On   XXXX   XXXX  , 2017 at  approximately  XXXX , I logged into the Chase online banking website to check my account balance, and saw a pending " miscellaneous debit '' charge of {$200.00} had been removed from my account that day. I immediately phoned the number on the back of my debit card, whereupon agent  XXXX  told me tha t Chase had  taken the {$200.00} out of my account upon their unnoticed determination that a fraudulent {$200.00} charge was " correct '' and " legitimate according to our investigation. ''  XXXX  refused to reopen the claim for investigation. This is impossible, and I believe Chase Bank violated the  EFTA. Th e charges were all outright fraudulent, and I reported them the very same day they occurred. Please help!
Our issue is with Nationstar Mortgage ...   Company fails to provide timely Monthly statements. constantly find errors in their accounting and escrow obligation and the latest which is why we are reporting them ... we notice they had changed our address without us requesting a change or giving them authorization to do so .... So they are sending our Monthly statement to the address of our attorneys ...   which caused a late of payment, which we already paid ... But hold  Nationstar li able for the negligence, constant errors, and not following Mortgage regulations.     We ask the CFPB to look into this company as we have several mortgages with them and this is not the only account we are noticing issues. As well as we notice the same pattern   XXXX   XXXX   XXXX   XXXX   XXXX   is being sued for .... And feel Nationstar should be reprimand before they continue to cause harm to the public ... Just like  XXXX  has already done ....
I opened an account in  XXXX  of   XXXX   as an  XXXX   XXXX  member, under the terms that my account would be 0 % interest and the {$990.00} annual fee would be waived while still on  XXXX   XXXX . I received a letter stating that the company is no longer honoring their promise to waive the annual fee. I contacted the customer service and SCRA team to discuss the issue and ask if I could be grandfathered in. I was told that was not an option and the change was a business decision by the company.
I had a XXXX credit card stolen back in 2007. They are reporting inaccurate information to XXXX credit bureaus. XXXX and Experian. I have made numerous attempts with both XXXX which is now XXXX and the credit bureaus. XXXX is the only one reporting accurate information. I have asked XXXX to provide the documentation to support the information being reported and they refused. Telling me they had no legal obligation to do so. This file is way too old to even be on my credit file.
PHOENIX FINANCIAL SERVICES has placed an unauthorized derogatory, harmful, and damaging account/item on my Consumer report. 15 USC 1692c ( a ). PHOENIX FINANCIAL SERVICES has violated my federally protected consumer rights without causing injury, harm, and damages to my pursuit of happiness and right to utilize consumer credit. 

I have included an attachment requesting PHOENIX FINANCIAL SERVICES to respond point by point with verifiable facts and authenticated documentation validating that I owe them any alleged debt. 15 USC 1692g ( a, b : " until debt collector obtains verification of the debt '' ). Failure to do so will result in Civil Penalties according to Consumer Protection Laws and other laws that may apply. 

PHOENIX FINANCIAL SERVICES has no proof of claim with verified, validated authenticated documentation. PHOENIX FINANCIAL SERVICES has violated the FDCPA 1692 and is Civilly Liable according to XXXX Civil Liability [ 15 USC 1692k ] and other consumer protection laws. 

PHOENIX FINANCIAL SERVICES has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
Home equity line of credit.   XXXX   paid off balance in full asked them to close account.   XXXX   received bill statement with " purchase  XXXX  '' and "   XXXX    cash advance finance charge '' did not use account and had believed it was closed.
I have a rewards credit card with Chase. I contacted Chase to cancel the card in late XXXX and have not used the card since, but they claim there is no record of the phone call. They charged me a {$95.00} annual fee in XXXX XXXX XXXX, and e-mailed me a bill in mid XXXX. I XXXX on XXXX XXXX and was out of work and recovering until early XXXX an did not see the e-mail from Chase. When I did discover it in late XXXX while reviewing my open credit card accounts I contacted Chase by phone immediately. Claiming that it was now more than 30 days since the charge posted, Chase refused to refund the charge. I have contact Chase via phone and secure messaging on the their website multiple times asking them to reconsider. In my defense, my original cardholder agreement gave me 60 days of leeway to cancel without having the pay the annual fee. According to research on the internet, Chase changed their policies around XXXX XXXX and since has been refusing to waive these fees nor refund them to cardholders. I have closed all of my accounts with Chase and requested they remove me from their mail, phone, and e-mailing list. I have going through the Chase website 's charge dispute process, but the request was rejected by Chase. In summary, Chase originally allowed me 60 days to refund the annual fee charge ... I called to cancel the card last year but there is no record with Chase of that call ... once I discovered the charge I contacted Chase immediately ... I have contacted Chase via phone and e-mail on multiple occasions with no success. Finally, I have received no benefit/good/service from this annual fee. It 's a scam for them to violate their original cardholder agreement and refuse to provide a refund. I 'm concerned that my near-perfect credit rating will be impacted if this issue is not resolved soon, as I 've never had a late or missed credit card payment in my life ( and am over XXXX XXXX XXXX now ).