WillisBack/dataset-financial-user-claim huggingface dataset:
This issue is with Bank America charging me for condo fees that were never in default. I was working with BA with XXXX XXXX about this issue. The last conversation I had with XXXX XXXX is that I had proof that the fees were never paid to my Condo Association and I would mail them to him.. I then contacted my bank and received a bank statement showing no payments from BA were paid. I sent a letter to BA on XXXX XXXX, XXXX with the document. Before receiving the letter BA sent me a letter that I was " no longer eligable '' for a dedicated emploee to handle my complaint. { Enterprise Customer Care Resolution group } and rejected my claim. BA did not review my proof and has not produced their checks showing payments. The letter with proof was not received by BA to address my complaint before, BA made their decision. Further, BA has never produced copies of checks proving payment. The details of my complaint are below : Bank America charged me for XXXX Home Owners Association Fees ( HOA ) that were never paid to my Condo Association and they were not deleted from my Loan Modification fees. I was not in default of my Condo Fees.. I submited the following documents to BA. A copy of BA Transaction Report page XXXX which shows in the payments column XXXX ltems dated XXXX/XXXX/XXXX for {$4100.00} and {$4700.00} for a total of {$8900.00} charged on my Loan Modification Agreement. The condo fees were not in default. I mailed a copy of the bank statement made to my Condo Association showing that no payments were charged. The result is that BA charged the fees incorrectly and the fees should be returned to me. I am unable to attach the documents to this complaint.
Complaint number XXXX Chrysler Capital has had FOUR MONTHS to provide basic readily available documentation. Correct the false reporting to CRA. Chrysler Capital has been evasive deceptive and combative. Asking for Sixty additional days to do something days that should have been taken care of in the FIRST SIXTY DAYS is clearly more deception and delay tactics and serves no purpose other than to cause Myself My Daughter and the other buyer more harm. If Chrysler Capital needs that time I will deduct {$300.00} a day from from the contract starting on XX/XX/2017 in addition to both financial and emotional damages. Provide loan assignment document, provide audit, provide first twelve months of statements, provide document to CRA to remove falsely reported late payments. provide clear title. I will expect the the above by XX/XX/2017
Over the past 5 years they keep putting my number into their automatic call system. I tell them to remove it and it start happening after about 6 months. they were calling every day at about XXXX for the last month XXXX 2017. I ignored it this time and finally called them and they said they would remove it again. I want them to remove my number permanently. They call from XXXX looking for a XXXX  XXXX.
I had spoken to a loan officer, XXXX XXXX at Summit Funding here in California and he had acquired our information and gave us a estimate. After we left we had decided to go with this company as, he was a great talker and seemed to be very knowledgeable. Much to our dismay all the information he gave us was a lie. I was told that I was " A '' paper and would need much as he was going to do down payment assistance and I may need {$2500.00} for down payment and/or to look stronger on paper or perhaps even to pay down debt. This could n't be farther from the truth. I was told to pay in over double that and he said that he paid in almost {$2000.00} and absorbed my seller credit as well for {$850.00} Giving me an amount of {$7400.00} used in total from the credits to the cash paid in. Which is a far cry from the quoted possible {$2500.00} needed to look stronger on paper. 

The primary issue that I had was that I was promised that I was to be locked into a 3.85 % loan and the loan officer failed to the lock the rate and let it go up to 4.385 % before it was locked in. Costing me an additional .5 % on the loan. When I asked about this I was lied to and was told that you do n't lock the rate nor could he. Furthermore, the loan origination fee was supposed to cover the loan and then I was charged for XXXX additional processing fees and XXXX additional Admin. fee. I then asked about those and was ignored and was told that he had no time to explain the extra charges but, that these had been disclosed this previously and he in fact did not. 
Following this the charges changed again and then I was also being charged points on the loan which had never been there but, now all the sudden were on the final disclosure. 

These 's are jut a few of what would appear to be major issues, on top of the fact that XXXX would only read my emails and not provide any guidance nor return my emails as he knew I wanted his demands in writing because of ever evolving asks that was going on. Due to this lack of guidance and attention to my file Summit Funding XXXX XXXX XXXX pushed out my close date 3 times and almost lost the sellers as well. When I asked for status and a definitive close date. The close date was avoided and the lies continued to pile up. I asked him several times to assist and all I would get back is less than becoming conduct and attitude as well as talking down to me like I was n't worth his time. His secretary did all the work and I had to help her do her job as well. Numerous times I was asked to submit the same documents as " they had said that they did n't have them '' and was lied to about the hold ups several times. I was able to acquire the information from XXXX as to what was needed and I advised them to address these failures to upload the proper documents in order to get this processed. Even then they attempted to make it seem like it was n't their fault but, it truly was.
American Express responded by demanding 29.99 % interest for six months and sending two inches of " reprints '' of bills of questionable accuracy. While I review these, I have sent the following response : Dear XXXX XXXX : Thank you for your letter. You mention the card-holder agreement. The problem with your frequent changes to the agreement is that you send it in such small print and on such a short piece of paper that it falls away from the statement and is unreadable when retrieved. It can not be that American Express is lacking paper, because you often enclose a full page with a representation of store fronts and the statement about more merchants accepting the card on only one side and on the top three inches of the page! 
Your letter informed me that American Express intends to charge me 29.99 % for six months. I had received a letter dated XX/XX/2017, informing me that I would NOT be charged your 30 % interest. I do not agree to pay such an outrageous amount! 
The price of a box of crackers has gone from {$1.00} to {$3.00}! The co-payment on medication has gone from {$75.00} to {$500.00}! It is impossible to pay such outrageous interest and still have shelter, food, and medication. 
If a consumer goes to a debt-consolidation firm, American Express will receive less that the amount owed, and the consumer will pay more in the long run. If the consumer is forced into bankruptcy, American Express will receive pennies on the dollar! 
When I called the payment number on the fifth, I was informed, " No payment is due. '' I paid {$1000.00} you billed me on XX/XX/XXXX. I want all the overcharges of 29.9 % removed from all bills and reflected in the total amount due!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Attn : Equifax, XXXX, XXXX My name is XXXX XXXX I have provided you with the following items I have listed below that your company is reporting inaccurately. I look to place all accounts as fraudulent accounts. I am a victim of identity theft. I have been affected by the credit breach. I have attached a letter, copy of the FCRA where the credit bureaus and creditor violated me by going on to my credit file and reporting inaccurate accounts on my credit. False Pretense in the act of being the consumer and not getting any consent from me to open up my credit report.
Please take this documentation I have provided as a dispute and an affidavit. Contact me at number i have listed and please add my mobile.
Inquiries : XXXX XXXX  XX/XX/15 Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Thank You XXXX XXXX XXXX 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
I have n't received a response to emails to confirm if payments were suspended. When I received an email from the bank the payment was to be withdrawn from, I called and questioned what the email was for. I honestly thought the payment would be paid. The payment is from a savings account. The payment was returned. I communicated that if I had received notification in writing that I would n't be going through this. I was told that payments were suspended. It reminds me of when I was on the phone with a representative at XXXX and the female employee said something like I told you verbally. 

I emailed on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX.
XX/XX/XXXX - Everything was fine until I started emailing XXXX NMLS # XXXX. I told her that my home was closing by end of next month and she should start the process. No response. 

XX/XX/XXXX - Requested her to keep tracking of the daily rates and prepare a rate lock for me when there is points towards closing. No response. 

XX/XX/XXXX - Seller request documents from XXXX and she starts the loan process where she needs to collect all my information from me. Orders a rush appraisal since loan would be closing in two weeks. The appraiser couldnt appraise home because it has not completed construction. XXXX said I was responsible for the fees. 

XX/XX/XXXX - I requested rate lock since she never responded to my emails and i would be closing in 11 days. She told me i had to decide in 40 mins for her to lock my rate. This is when the rate was going up in the month and i should 've received a lower rate and points to closing. 

XX/XX/XXXX - requested that i take the first time home buyer course and provide them the certificate. This process takes awhile and should 've been requested earlier. She offered me free courses that I can attend for free to get the certificate. But then when I tried to apply she told me that I was not qualified and it was not necessary for me to attend the course. But now i have to pay {$99.00} to complete the course online and pushes back my loan closing date. 

XX/XX/XXXX - Requests me to sign the Certificate of Occupancy which should 've been signed awhile ago and communicating with seller. 

XX/XX/XXXX - Title signing has been canceled for tomorrow. XXXX was trying to blame/accused the seller for not providing " documents '' on time by making up documents requested from seller.
I have looked through my paperwork that I have kept. XXXX Compass Bank is asking me to pay {$1500.00} dollars remaining on the loan after they had sold the car along with {$1700.00} dollars. Repossessions Fee. I made a few phone calls and Compass bank had canceled the auto GAP policy and also the XXXX XXXX extended warranty and kept the money from that. The XXXX XXXX extended warranty cost {$2500.00} dollars and the GAP policy was {$350.00} dollars totaling {$2900.00} dollars yet they expect me to pay them {$3300.00} that just does n't add up I do not owe that amount. If I do the math and minus {$2900.00} dollars from {$3300.00} that would be {$420.00} dollars. As to why they are attempting to ask for more money than is owed just boggles me.
USA federal Credit was removed and reinserted as it 's reporting to the XXXX credit bureaus and negatively affecting me.
I filed a submission to FDIC - Reference Number : XXXX I called XXXX XXXX XX/XX/2018 regarding two credit card accounts I have with them XXXX and XXXX XXXX  credit card accounts. The issue is the rewards program which seems fraudulent they offer and the miscalculation of my XXXX XXXX credit account and poor customer service. The account manager refuses to resolve the issue XX/XX/2018. XXXX XXXX I ordered {$220.00} ( See attached order ) worth of merchandise out of {$500.00} credit, it left me with a balance {$100.00} which is wrong, it should be {$270.00}. It seems that XXXX XXXX is trying to enrich themselves by overcharging me false purchase I never made. The XXXX XXXX customer service representative was very rude, had me on hold for a long time and bringing XXXX into our conversation. Then her supervisor name XXXX was sarcastic because she wouldnt listen about my order and she acted very rudely especially I inform her that the customer service agent was rude and nefarious. XXXX acted so rudely I requested her supervisor the Account Manager. The Account Manager agreed with XXXX, however, didnt hear the conversation. His tone was cold, and he acted unprofessionally about my credit account balance blaming it on XXXX XXXX customer service. I called XXXXXXXX XXXX customer service and they agreed how much I ordered {$220.00} and the XXXX XXXX credit department miscalculated my credit card. See the attached receipt. XXXX XXXX is trying to enrich themselves by charging me extra charges on my account which I didn't give permission nor charge but {$220.00}. XXXX credit card- XXXX XXXX I was sent an email from XXXX  that I had XXXX rewards points and XXXX leftover points ( see attached email ). However, I have only XXXX reward points. Then I was sent a rewards certificate for {$30.00} and the CERTIFICATE # XXXX didnt work. When I called Customer service at XXXX XXXX the customer service acts rude and they only applied a lesser amount of points when I ordered over {$400.00} dollars worth of merchandise. The rewards program seems fraudulent to get a customer to order but they dont want to give the correct amount of rewards. The rewards program needs to be reevaluated.
Please help assist me with an account that is listed on my personal credit file which I have disputed and requested validation and nothing. This is an unknown account as I have never done business with a company called EOS and do not have any outstanding amount owed. Please help
XXXX XXXX University returned Student Loan Money to lender after classes were taken, despite this student satisfying credit requirements for fulltime status. They then provided me with a bill that they stated could be paid with student loan funds from future disbursements. XXXX XXXX then stated that this practice is no longer allowed by the government. XXXX XXXX then sent account to collections. Collections service was asked on XXXX XXXX to validate debt and did not do so within 30 days.
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX cell phone, the phone 's ESN # XXXX, the SIM # XXXX for {$310.00} thru a special XXXX XXXX XXXX promotion ( if customer signs with XXXX XXXX XXXX ) from XXXX XXXX XXXX in XXXX XXXX, CA. 

XXXX XXXX XXXX rep called XXXX XXXX XXXX and setup acct # XXXX and for 2 hours was unsuccessful to keep/transfer my business cell phone number. The rep gave me my purchased cell phone and stated I could try on my own. I visited two XXXX XXXX XXXX stores and then called customer support and technical support in which all attempts still unsuccessful to transfer my cell number. 
Within 8 days ( including XXXX XXXX and XXXXXXXX XXXX has a 14 day return policy ), I returned the cell phone onXX/XX/XXXXand was refunded and was told the XXXX XXXX XXXX acct was cancelled since I did not use the cell phone. From XX/XX/XXXX thru present, I continued to receive XXXX XXXX XXXX billing for XXXX. I called and explained, no change. I then sent all receipts, notes to explain I did not have any type of account with XXXX & XXXX I am now being mail abused by many different creditors as well as XXXX XXXX XXXX to pay {$100.00} that I do not owe. 
XXXX XXXX XXXX has placed this debt on my credit report and I disputed but still received collection letters. I ask that the CFPB investigate XXXX XXXX XXXX for fraud charging and unfair practices against the consumer. Thank you.
XX/XX/XXXX I had a XX/XX/XXXX XXXX XXXX that was totaled in a head on collision that almost cost me my life. I had full coverage insurance I was under the impression that it was fully covered, it has been almost XXXX years and my wages have begun getting garnished at 25 % a pay period it comes out to aproximatly {$600.00} a month, it has put me in sever finacial hardship as I am a XXXX mother currently going through a XXXX. The debt is registered in the state of XXXX and I have lived in XXXX for the past XXXX years. I was unaware that I owed the debt, but apparently there was a judgement against me. I received a notice XXXX days before my pay date of when my wages were to be garnished I had no time to fight it and before I knew it I was unable to pay all my bills. The agency ( XXXX XXXX XXXX Attorney at Law in XXXX, CA ) I delt with constantly passed me off to a new person over and over and treated me as though I personally defiled them and I was XXXX of the XXXX and gave me several wrong numbers of whom I was supposed to speak with that lead me no where. The accured interest is double the amount of the debt.
I have been trying to remove an inappropriate collection from my report with Experian. Not only has the online investigation been biased and inappropriate, but they have made it impossible to reach anyone for assistance. A fraud alert was just placed on my report by the automated system because I wanted to speak with a representative. It is not an appropriate response to my request. I want experian to be reachable so this issue can ve resolved.
I called I c system regarding XXXX on my credit report i told them numerous times it was not my account they gave me the address that they have on file where the XXXX was installed i never lived there i was not aware my father had service there in my name .My father is now XXXX 4 plus years now so they told me if i send his XXXX certificate they will take it off my credit i mailed my father 's XXXX certificate and it is still on my credit .I have nothing in collection but this account and it is hurting my credit i need this off my credit.
Transunion Error In Credit Reporting it says employer XXXX XXXX XXXX. This was removed many years back. It recently appeared a few months back and was told by transunion rep It would come off. Just want this removed from my personal information.
I have 6 total accounts open with XXXX from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I got a derogatory remark on all of my credit reports I was 90 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX. At this point i contacted my creditors because i was going through extremely difficult financial hardship. We went over an Income Base Monthly payment system and based off my taxes and how much i made last year my payments were changed to none. However to the bureaus i still showed to be late on payments. I contacted the creditors and they said I was up to date. That's when i reached out to the bureaus and they updated the status from late to current.The reports still show negative remarks for the months of XX/XX/XXXX and XX/XX/XXXX.Considering it's 6 loans I have open, My reports show that all 6 were previously delinquent which is severely effecting my score. Since my monthly payments are {$0.00} and My taxes show that for last year I only made {$6700.00}, I would like to address this immediately to get this negative remark removed from my reports.
I have auto pay on my car with Wells Fargo Bank. In XXXX 2015 the payment returned for NSF. WFB ( wells Fargo Bank ) continued my auto draft but every month charged me late fees more over WFB reported me late to the credit bureau. 
I would like all the late fees to reversed and the reporting to credit bureau to be corrected. I was not late for eight months! also WFB must correct all that practice for all the consumers.
Account was opened XX/XX/XXXX. At the time my credit was checked and I was approved for the department store card. 

In XX/XX/XXXX, upon closer examination of my statement, I noticed my credit line had decreased. I had received no notification of any issue. My account is in excellent standing. I phoned the provider and they stated they had no idea why my credit line had decreased and they reinstated my original credit line. 

Yesterday, while looking at my account, I noticed, yet again that my credit line had decreased. Again, no notice, no call ; no idea why. Account had a XXXX balance and excellent standing. 

I phoned the account holder today after not getting an explanation from an email the yesterday. According to the " Account Manager '' that I spoke with - XXXX has the right to periodically check my credit score from all three reporting agencies ( XXXX ; XXXX and XXXX ) and apparently are also getting credit updates on a regular basis from all three credit reporting bureaus when ever something changes on my credit report!! I never gave any permission for any company to constantly monitor my credit..and I know this is not legal. She stated that they had sent a letter on the XX/XX/XXXX. I have received nothing. She also stated they mailed letters back in XXXX ( however when I checked in XXXX the Customer Service Rep I spoke with at the time told me she didn't see any letters going out ) when I brought up this had happened before, and I had never received any letter. I asked that the letter be e-mailed to me along with any documents that they state " allow '' them to monitor and get updates on my credit. She stated that she can not e-mail them and that she needs to mail them. She would not give me any reason why this has occured. 

I never gave XXXX ( XXXX XXXX ) permission to " monitor '' my credit reports from the three major credit reporting agencies. 

I have paid off the card in question and have closed the account. I have asked that my banking information be deleted from their system and I have also requested confirmation, which I have not received. 

This is a muli-issue complaint.
BARCLAYS BANK DELAWARE is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to BARCLAYS BANK DELAWARE along with a notarized affidavit claiming fraud. BARCLAYS BANK DELAWARE is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like BARCLAYS BANK DELAWARE to close their files which have any information with my name & social on it ...
They call daily at least 5 times from various numbers at all times of the day. They also automatically enrolled me in payment alerts via email. I 'm aware I owe them money calling non-stop wo n't make it appear in my bank account. Maybe they should focus on the customers they defrauded instead of wasting my time and theirs.
I have a mortgage account with Wells Fargo. 
6 weeks back - i asked this question that if i recast my loan with $ XXXX upfront payment what will happen? 
I got a very useless answer with no specific points but something like " may be you will pay more interest '' ... ever since then i am behind this bank and asked very specific questions : 1 ) will i pay more interest or less interest if i recast with $ XXXX upfront payment keeping the loan term ( tenure/period ) the same. 
2 ) Provide me the entire data - principal as well as interest and lets say if i am doing it from XX/XX/XXXX or XXXX XX/XX/2018. 

Nothing has come out. When i called Wells Fargo..they transferred me three times and 4th time the transfer couldn't happen because XXXX was not there. 

It's very lousy, inefficient bank and good for nothing. They have outsourced all the jobs and really very difficult to work with.