WillisBack/dataset-financial-user-claim huggingface dataset:
I have been charged insufficient funds and overdraft fees several times over the past few years by Capital One. The reoccurring issue is that some charges will be rejected, and I will be charged a {$35.00} fee, while other charges will be paid, and I will still be charged a {$35.00} fee, which sometimes exceeds the amount of the charge which was rejected. 

I have been told by customer service to deposit more funds as a solution. I have been told that an algorithm decides which charges to cover and which to reject. 

The total amount of NSF fees paid each year amounts to more then what a payday loan might charge ... 

I hold two capital one credit cards which are not taken into consideration or able to be linked to the account to cover said charges.
I have been attempting to rectify the situation with Bank of America by calling various executives including the Assistant General Counsel to no avail. After further review of my account I located {$490.00} worth of bank fees on XXXX account alone within the last month. All of these were based off of Bank of America allowing electronic payments to post and then charging my account a bank fee. The most recent fee was for a {$7.00} charge that they returned to a vendor that last month they choose to pay as a " courtesy '' when the transaction was for well over {$100.00} and the account was overdrawn for a lot more than it was when they returned the {$7.00} transaction. When I asked them to place a block on my account so that if I do not have the funds in the account electronic transactions can not be processed, which would avoid the overdraft fees being assessed I was told that it could not be done since my account was overdrawn. 

In addition to their unresponsive, unethical, and dishonesty I located XXXX erroneous transactions just with a preliminary review of my account. These transactions along with the bank fees that were assessed to my account put it in the positive, therefore there justification for removing funds from my savings account to cover the fees that they placed on my account is even more so ridiculous. Out of the {$540.00} that was taken from my savings account from the funds that I had already authorized to be paid to XXXX XXXX on XXXX/XXXX/15 at least {$490.00} of it was to cover fees that they placed on my account to cover transactions that they either " courteously '' paid or for bank fees that were assessed to my account.
Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed these items by letters with all three credit bureaus.
My loan holder is Navient, formerly XXXX XXXX. My account number is XXXX. I have several types of federal and private loans with them as I have loans from XXXX my time as an undergraduate and as a XXXX student. When I initially graduated XXXX school my loan payments were roughly {$2000.00} a month. I was able to pause payments while I looked for employment. Since finding employment some seven months after graduation, I have made a steady {$60000.00} a year. Upon beginning employment, I asked Navient if I had options for income-based payments. They told me to fill out an application for Income Based and Income Contingent payments and to select that I want Navient to choose whichever is the best option for me. I complied ( through some effort because there was an issue processing my application ) and eventually my payments went down to {$1500.00}. However, after speaking with a fellow attorney who had more total debt than I did and made the same exact salary, I was worried something had gone wrong because where he was only paying {$300.00} a month I was paying {$1500.00}. I called Navient and asked them to look into this and I was informed that they had done something wrong with my application and my payments should actually be lower. However, my payments were only lowered to {$1000.00} a month. I asked if there was any other way to lower my payments as I literally can not afford to move out of my father 's house on this salary and am struggling to make the payments and was told that because of the way my loans were " grouped '' there was nothing that could be done. I have been making the payments at {$1000.00} a month but it really is an unbearable imposition. I can not afford to live on my own when paying {$1000.00} a month for my student loans on top of all the other financial responsibilities I have. Furthermore, most attorneys I speak to are shocked that I pay so much more than they do in comparable circumstances. I want to make sure that the amount I pay really is the fairest amount and that I am not being taken advantage of by Navient. In spite of my continued efforts I still find myself drowning in these payments. Thank you for your time.
I XXXX XXXX does hereby approach the Consumer Financial Protection Bureau to see if a federal agency can be of assistance mitigating a home foreclosure. My home was originally owned by my father, who has recently filed for a bankruptcy petition that was thrown out of court. Recently my father decided to move back to the XXXX XXXX, and I was given title to his home, where I happen to live with my husband and XXXX children. A copy of the deed transfer is attached. The balance on the mortgage is over {$220000.00}. The property may sell at foreclosure for {$70000.00} to {$80000.00} at best. I can bring in an attorney to address the court for a hold on the scheduled foreclosure of XX/XX/XXXX, so that a proposal can be made to take over the existing mortgage under a modification agreement with a specified amount to be placed in forbearance. I am a member of the XXXX community, obviously a XXXX, who is a professional in the field of XXXX XXXX XXXX. My father has signed a full power of attorney to handle the mortgage negotiation as if I was first person. However, time is short and I wish to maintain ownership under a modified payment arrangement. Accordingly, I need a communication process opened immediately, and a postponement on the scheduled XX/XX/XXXX foreclosure date. It was my father that let this mortgage get out of hand, and now I have been placed in a position whereas I can afford a mortgage payment, but there is a specific deadline on making such an arrangement. There is an unanswered QWR that my father filed back in XX/XX/XXXX  that under the power of attorney now belongs to me as property owner, and this is a true violation under the Fair Debt Collection Practices Act.
when I first applied for mortgage at webster Bank in Ct, I had my old house in the market XX/XX/XXXX and prety much a closing date set up. but webster bank broker told me that the only program that I could qualify was XXXX arm flexible rate but after one year in that mortgage I could apply for refinance to get out off. because I had another house on my name even if I had a closing sale date and I was making only XXXX +- a year but my income was good with a XXXX % down payment I would get the house I was applying for. after one year I did apply for refinance and was denied and told to wait another year did again and denied, every attempt I have made with webster bank either for refinance or mortgage modification fail until my house went in to foreclosure and I was forced to file a bankruptcy and after there accept a modification from the bank at their own terms so I could staay in the house even with a high interest rates
I purchased XXXX gift cards from XXXX. When I tried to use them later my purchases were declined. I checked my balance on each card and they had all been used up. I immediately contacted XXXX for assistance and they told me they would take 4-6 weeks to investigate and get back to me. They also asked me to send in multiple documents and proof of purchase. I did all that. 

As of now I 've only received the funds back on only XXXX of the cards. I 've tried asking for updates on the other XXXX cards but I still get quoted the same line : " please wait 4-6 weeks for our investigation to finish. '' When I tell them that I already did, they do n't have much to say, but apologize that " they understand. " I do n't know why it 's so difficult to get in touch with the appropriate people at Blackhawk. The only number I have reaches people who never know what 's going on and simply tell me to sit tight. Is this how consumer protection works? I sent in all the documents they asked and did so properly.
Received a call from CEO on Tuesday XXXX XXXX, XXXX regarding the account the motorcycle loan is listed under and he mentioned that the funds were never received. I requested a full audit transaction and XXXX to prove that USAA never received it and I was told they 're not obligated to do that. In addition I 've mailed off a certified mail letter of validating that the debt is in fact true and I have yet to receive any real time source stating so.
Hello US BANK you keep my ending balance XXXX $ for over 2 months, and I tired to ask your customer service, but no one has any idea about my account information. Please inform me when you will release my money.
On X/X/17 I bought my lease out on my XXXX. The XXXX dealership apparently submitted my information to XXXX XXXX for a loan, who in turn, denied my loan because of a credit score which was XXXX from XXXX XXXX, a credit reporting company. This score does not match my score from XXXX which was XXXX, XXXX XXXX, at the same time and possibly XXXX. I am very concerned about the score which is being reported on my behalf from XXXX.
I was alerted, through a credit monitoring service, that Chase Card had run a credit inquiry through XXXX and XXXX. I found that the inquiry was based on a fraudulent credit card application through Amazon.com. Whoever made the fraudulent application used my name, social security number, and home address. Chase refused to furnish a copy of the fraudulent application. Chase Card was negligent when they authorized a fraudulent credit card under my identify, without verifying the actual identity of the applicant.
On the evening of XX/XX/18 about XXXX XXXX I tried to open a savings account with my current bank of 8 months -- XXXX  XXXX XXXX. The account was approved and I XXXX from XXXX of XXXX tried to transfer XXXX from my Premiere Net Spend XXXX debit card. He informed me that the transaction would not go through because XXXX doesn't like or take that type of card from that institution. I've never run into this type of problem with my Net Spend debit card before. XXXX told me he would not be taking any money and for me to take that particular debit card into a BOA branch and take the {$400.00} off the card and deposit it into the new savings account ending in XXXX. What happened next is Netspend ( XXXX ) debited my card for the {$40000.00} and took it out of my account. The money is sitting in limbo. Netspend will not give it back with out XXXX writing a letter with 7 specific identified like, transaction #, etc. I worked on this problem 8 hours today to reclaim the money. XXXX, XXXX, Relationship Manager said " They Don't do that '' ... have a procedure for this mishap. He was rude and obnoxious and displayed that he didn't care, I am a XXXX ( I have been recently receiving urgent medical and I'm just worn out -- -I did nothing wrong! ), minority, senior on Social Security. I have no more money for the rest of the month. I really need your help! Both banks need to be investigated for their abuse of clients and their money
I filed a dispute on XX/XX/2017 with TransUnion. They did not complete the investigation within 30 days and still did not delete some of the items disputed. Under the XX/XX/XXXX rule the items which were two bankruptcies were supposed to come off my report. Not only because of the ruling but also for the fact they have taken over 30 days to complete the investigation. I have previously done investigations and they have taken as long as 60 days and still kept the items on my report.
On or about XX/XX/2018, Citibank contacted me via text message to inquire if a particular ATM charge ATTEMPT that took place in XXXX TX was mine in the amount of {$200.00}. I live in Maryland and was home in bed at the time that I received the text message and I denied the charge. I indicated via text that the charge was not mine and that my card must be shutdown immediately. Citibank representative called me right after my text and told me that on or about XX/XX/2018, two transactions DID go thru from the same ATM in the amounts of {$240.00} and {$260.00}. I happened to not check my account until after Citibank contacted me about the {$200.00} ATM attempt, which at this time I was upset that my account was missing {$500.00}. I asked the agent why did they allow the two transactions to go through and just not contacting me about the 3rd. She had not knowledge. She just said that the 3rd one was suspicious. After Citibank conducted their investigation, they indicated that after further investigation, they said that transactions SEEMED legit and that they could not honor my claim! I indicated emphatically that I could not have done it or authorized it because was in Maryland had not been in XXXX in over 3 months. Citibank would not even allow an appeal until I spoke with a high level supervisor in the dispute department. She indicated that I should file a police report to go along with the investigation. This has been a nightmare to get Citibank - whom I have been with for over 12 years - to honor me as a loyal customer and give back my money that was stolen through fraudulent activities.
I have been paying on a promissory note related to a settlement since XXXX 2015. I have never missed a payment. 

However, a collection agency, Stuart-Lippman and Associates, started calling me stating that a payment was not made, and that if I do n't pay the required amount, then, I will be in default, and they will start the lawsuit all over again. 

The person from Stuart-Lippman claimed that I had to pay {$790.00} plus an additional payment of {$620.00} for a previous month to consider the settlement not in default. If I did not pay, then, he threatened that the settlement would be null and void. 

Then, subsequently, when I said those numbers did not make sense, he pressed and said the balance was more than it was, and falsified additional payments amounts to pressure me into making payments that were not required. 

Under the note, the payments are only {$500.00} per month. When I said he was wrong, and that he is violating Consumer Protection laws by making false statements, he then, retracted his statements and basically agreed that it was {$500.00} per month. 

Though he has retracted what he meant, he was still previously pressuring me and providing false statements to entice me to pay a higher amount that was not required, which is illegal.
Account on my credit report has been reaged and is not reporting the correct information. 
Date opened is incorrect and account numbers do not match what is being reported on my credit report
Being charged by same company twice. Original company XXXX XXXX XXXX. 
Transferred to Commonwealth Finance on XX/XX/2018. a ) all info seems to be duplicate. b ) I would think insurance would have taken care of this. Ins was with XXXX XXXX XXXX or XXXX XXXX XXXX. If not duplicate, please show difference in charges. Each is for {$250.00}.
I purchased a car from XXXX and it was financed by XXXX XXXX -- now Bridgecrest. 

XXXX never took the first $ XXXX from my account and without telling me decided to mark my car to be repossessed. ( after having paid all of my bridgecrest payments for 6 months ) In addition to totally being inaccessible, they refused to accept my $ XXXX once I found this out. Never delivered my registration and reported on behalf of bridgecrest on my credit report that I was late on payment ( which I was definitively NOT apart of the loan for bridecrest that they falsely reported on ). XXXX removed this after a dispute was initiated. But XXXX still intends to take my car as a repossession. I even offered to give them back the car if they agreed to not write anything further derogatory on my credit report and they have flatly ignored my offer. 

Such XXXX and am out thousands of dollars because they refuse to accept my money.
I file for Chapter XXXX Bankruptcy protection, and requested the federal court to issued a Temporary Restraining Order against SPS the mortgage servicer to prevent the sale of my XXXX House, on XXXX XXXX, 2015 the court Grand me a Temporary restraining Order against SPS ( Copy Attached ) but the following attorney for the SPS, XXXX XXXX, requested a sale of the property that at the same time we were working in a mortgage modification ( Dual Tracking )., at the same time I was communicating with the case manager XXXX XXXX XXXX continue to tell me that the SPS will stop the sale as long I provide all documentation witch I did. they request the sale to be schedule by XXXX XXXX, 2015, and the day of the sale the Judge denied the motion to cancel the sale but it was a clerical error so the sale it was schedule for XXXX XXXX, I contact the SPS Case manager XXXX and she told me that they will vacated the sale,. at the day of the hearing the SPS attorneys did not show so the Judge continuo with the sale., the property it was sold XXXX XXXX violating Federal Bankruptcy Rules and CFPB Rules like ( Dual Tracking )
This is an old  Secured    XXXX   XXXX   card from   XXXX  , it was sold by  Midland fu nding, whom can not verify this account as I was told it was sold an d i would have to deal with the purchaser. Midland Funding can n ot verify this debt and  XXXX  has no right to charge off a Secured Card and refuse to help. I will not deal wit h Midland Funding because they have no agreement from me to take over th e account and the balance also has interest added to it, they can not charge me interest on a charged off account, I did not apply for this card through midland funding and as they do not have my application, they have no authority to collect this debt, they are not a Bank and i have no agreement with them. they reported this to all credit Bureaus as a charged off collection account, yet they have no authority to report it and they know this debt can not be reported by them as they can not prove i owe THEM!  XXXX  told me  Midland Funding Bought this account, but i do n't recall selling it to them.   and since they can not send me a copy of my application, the y need t  o delete this from their files. it is nearing 7 years old, s o it should be removed anyway but i want them to know they have no rights to collect a debt secured by my savings account.
I returned all the medical supplies sent to me in the amount of time specifide because the sensor was faulty and not accurate. I called and complained nurmous times to never have my calls returned, so I returned their products in full. They took money off my husbands credit card for over {$300.00} that needs to be returned to me. They have been harassing me non stop and I 've explained to them that I will not pay for something they already have back. I sent certified I have signed receipt! Thank you
On XX/XX/2016 I had XXXX dollars in my account. All transactions were processed. I was aware of the low balance, but all transactions were processed. I was going to deposit money the next day. Overnight, BOA rearranged all transactions charging me 5 overdrafts to which XXXX trans. were of {$2.00}. Before they have waived the charges. Now they are insulting me for not keeping a straight balance. I do, but they keep rearranging transactions, so i keep falling in a hole and they take a chunk of my paycheck which comes direct deposit. This time, i am not deposit any money until they erase all the illegal XXXX as i counted overdraft transactions. 
I demand for BOA to stop rearranging transactions behind customers ' backs in order to collect overdraft fees. This is not the first time. XXXX dollar fee for a XXXX transaction that they caused by rearranging transactions? I will not allow them to take anymore money from my paycheck and child support. I work too hard. I have been with BOA for 26 years. They are stealing customers ' money now. I want and need my five overdraft fees removed. That was until XX/XX/XXXX and any after that, then I will deposit money and close my account. Thank you.
I have never received a bill from this place and do n't know what kind of service they provide. What ever the bill should hve been sent to my insurance which would be XXXX for life.
I had submitted a payment on XX/XX/XXXX for XX/XX/XXXX mortgage payment to Wells Fargo branch, which then cleared my XXXX XXXX XXXX account on XX/XX/XXXX. I clearly stated in the memo field for XX/XX/XXXX payment. I happen to check my account XX/XX/XXXX to ensure that Wells Fargo applied the payment to XX/XX/XXXX mortgage, but sure enough it was not applied. In fact, it was showing my account is delinquent and there are late fees accrued. I called Wells Fargo customer service in XX/XX/XXXX and XX/XX/XXXX to notify for this issue and late fees and to this date there has been no correction made to the account. 
The other issue is how my previous mortgage payments have been applied to the account, which should be reducing the principal balance gradually and it is not reflecting that. 
I have been very unhappy with their service, diligence to get the issues to get them resolved. I 've made my mortgage on time ever since I 've had my loan with them in spite of my income reduction and they have been absolutely frustrating to deal with.
I just got a notice from a debt collector claim I owe {$120.00} but I can settle for {$44.00}. I dropped sprint in 2006 for bad service and bill was paid. Also, there is a statue of limitations. I do not owe this debt and it should be on my credit report. This company has not verified the debt. Also, the debt collector did not address what to do if this debt was not valid.
I have got a complaint from XXXX of our employees that bank of America has refused to cash XXXX of our payroll checks to him because he does n't have a personal account with them. I wanted to make sure that 's its true. I went myself to cash my personal check at their XXXX XXXX XXXX XXXX XXXX location on XXXX ( I do not personally bank with them but my company does ) I provided XXXX valid IDs and the account of course if full of cash, they gave me some bogus reason that they do n't have the signature in their computer system to compare with the check I am cashing, I asked if they can call to verify if the check is true or speak to a manager. their answer was Nothe Manager refused to speak with me and basically they refused to cash my own company 's money to myself. 
Now I have the power to change banks and I will, because I want my employees treated well, and not be refused to talk to ... 
but not many other people have that luxury! 
Refusing to give people their own money is wrong. they are n't protecting me, they are wasting my time, my employees ' and someone that worked XXXX hours the past XXXX weeks is n't eating this weekend ...