WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I noticed that I had an NSF Fee of {$72.00}. I called to ask why and I was told that I was overdrawn because I had a PENDING monthly charge of {$9.00} from XXXX. On XX/XX/18 I was charged an additional {$36.00} after the XXXX charge changed from Pending. I called again to ask why and I was told that this charge was from the XXXX charge of {$9.00}. When I confronted the representative and told her that the last person I spoke with had told me that the initial charge of {$72.00} was for the XXXX charge, she changed her story and could not explain all of the charges. Regions bank has been doing this for years and I am ready to close this account. They say that these are normal procedures, but I have accounts with 2 other banks and I never have any problems and do not get charged overdraft fees for pending transactions.
I had previously submitted Complaint # XXXX. 
I am an XXXX year old XXXX. I sent in NEW information in this complaint after Chase Bank official XXXX XXXX, Cardmember Services responded XXXX XXXX, 2016 advising MERCHANT ( XXXX XXXX XXXX , XXXX ) responded. 

This new information is of great concern as the " Hold '' I put on my Chase Bank Credit Card of {$5400.00} + {$500.00} is about to be removed and given to this unscrupulous XXXX XXXX XXXX, who not only improperly XXXX, after written agreement and XXXX promising No Posts would enter XXXX -Wrong! They did - causing XXXX. He has also refused my rightful, paid-for XXXX discount. 

I also provided CHASE Bank full information Notes and XXXX from XXXX XXXX XXXX XXXX, stating and showing XXXX XXXX XXXX went directly into my XXXX, and were causing XXXX. This was already submitted to Chase! 

XXXX XXXX also refused the XXXX XXXX XXXX of XXXX % Discount, which I paid for, and of which he is a member, and how I actually found him. There is a XXXX XXXX letter I have attached where they claim XXXX XXXX XXXX will not even speak to them, and advise I report him to the Florida XXXX XXXX XXXX. I have already reported XXXX XXXX XXXX to the Florida Heath Dept. who has contacted me and are about to deal with him for his unprofessional behavior. What is at stake here is my {$5400.00} + {$500.00}, total : {$5900.00}. 

1 ) I am enclosing the Letter from Chase Bank Official, XXXX XXXX, Cardmember Services who demands : I Provide a XXXX Opinion from a reputable Merchant or Service Provider if work by XXXX XXXX XXXX was done poorly or was unnecessary. Also demands specific information showing Why the work was poor or unnecessary. Demands an Invoice showing what XXXX Merchant would charge to resolve the issue. The XXXX Opinion should be written on Company Letterhead signed and dated by the Merchant!! 
These demands are unconscionable! No Doctor voluntarily demeans the work of another doctor! This is a known fact! What is being demanded here by Chase, or through XXXX, is tantamount to the level of information a XXXX suit in court would require. It demands an Expert Witnesses Doctor who is paid for his opinion. 
2 ) I am including documents which XXXX XXXX XXXX had me sign before XXXX. 
If you read them, they are also unconscionable : To force a patient to sign, before XXXX that : " I agree not to file/engage in any Credit Card or/Care credit chargeback as procedures chargebacks are not permitted with this office under any circumstances. I will not engage in any disputes through Credit Card Co. or XXXX XXXX XXXX XXXX to recoup fees on any medical and all procedures provided. 
This says : " No Matter how I harm you, you agree to do nothing ''. 
Frightening that a Licensed XXXX XXXX would even request a patient to sign this! 

Note : I already submitted in Complaint # XXXX Notes and XXXX from XXXX XXXX XXXX XXXX, which I am attaching here. 
I am attaching New Information XXXX/XXXX/2016 from XXXX XXXX XXXX XXXX XXXX who found XXXX by XXXX XXXX. Recommends XXXX XXXX PLEASE NOTE : XXXX XXXX XXXX before XXXX are attached ; where he assured me and my husband NO XXXX would enter my XXXX XXXX.
On XXXX XXXX of XXXX, I made an international wire transfer through JP Morgan Chase Bank with an assumption that wire would be processed smoothly and successfully. But XXXX of XXXX, I told by the beneficiary that they have never received the wire. Upon my finding, I started my investigation with JP Morgan Wire Department. Then I was transferred to JP Morgan Foreign Exchange Department where I was told that JP Morgan used its intermediate bank to transfer the wire to the beneficiary account. My persistent communication with JP Morgan Foreign Exchange office for about two months finally helped me getting a reply from intermediate bank saying that " the amount was settled in the form of check as of XXXX XXXX, XXXX ''.
My mortgage company increased my mortgage payment by approximately {$250.00} but could not justify the amount when questioned. When I calculated the increase from XXXX of my escrow it was a {$400.00} difference, which is approximately a {$34.00} difference per month. Bayview confirmed this over the phone yet still charged me {$250.00} more per month in escrow. Every time I called they refused to give me a supervisor or the name of a supervisor and continued to tell me that I could dispute the amount even though their documentation did not support their claim. I requested documentation and they did not fulfill that request. They stated that they had tax bills to support the amount but when I requested a copy of them they did not have them. You can not give someone a bill without supporting documentation. The disturbing piece is their customer service department supported their flimsy, weak statements and believed they were right. I am shopping for a new company. If your loan is sold here I strongly advise you to find a new servicer because they will take everything from you if you are not paying attention and they do not resolve issues, nor do they provide any form of customer service. Their only actions are to steal form unsuspecting customers.
We accidentally paid XX/XX/XXXX mortgage payment to HomePoint Financial twice due to their holding our check past the due date. Although their response to our previous complaint # XXXX   partially addressed this issue & the escrow portion of the overpayment was returned, HomePoint still owes us {$610.00} which is for the ( unearned ) interest portion of the double payment. In their response to our previous complaint they said no bank proof was provided to show double payment. This statement is not true as proof was provided on XX/XX/XXXX & again in attachment B of complaint XXXX. We have also sent numerous emails.
I have a XXXX XXXX XXXX which I am leasing from XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, Pa XXXX Phone number XXXX. The purchase date is XX/XX/XXXX. Since I have purchased it I have had to take it back to the shop four times so far, and will be making another trip back as the issue still is not resolved. It was taken in on XX/XX/XXXX and was in the shop until XX/XX/XXXX for the horn not working and a squeaking noise when turning the wheel. I explained to them the day after I bought the vehicle that it felt like something was loose underneath, when I picked the car up on XX/XX/XXXX, the issue was not resolved, I still heard the noise when driving. I called XXXX XXXX and explained the situation which at this point I felt like they were not listening or properly checking over my vehicle. I took it back into the shop to get looked at on XX/XX/XXXX. They stated they needed to replace the control arm and exhaust pipe. I advised them the day after I purchased the vehicle of these issues and they assured me that all the vehicles go through a safety check before being sold, which clearly mines hadn't or they would have addressed these issues before selling it to me. I got the vehicle back the same day XX/XX/XXXX and honestly I still heard a noise. I proceeded to drive the vehicle in hopes that it would pass, it did not. I contacted them again and they advised me to bring it in on XX/XX/XXXX which at that point I was told it needed a wheel bearing. I received my vehicle back on XX/XX/XXXX only for it to break down on me two months later I explained the situation to them and let them know it needs a rear wheel alignment as well because I was pulled over by the police for the tread wearing out on my back tires and was told I should have never been sold a vehicle in that condition ; at that point I was told the engine blew and I needed a new engine. I took it BACK into the shop on XX/XX/XXXX and received it on XX/XX/XXXX and was advised they replaced the engine and I had to personally purchase tires because they refused to test drive it with the tires that originally came on the vehicle when it was sold to me. I received my vehicle back on XX/XX/XXXX with a crack in the windshield which was NEVER there before, the check engine light is back on, my air condition doesn't work ( which it was working fine before they replaced the engine and the noise is still underneath as if the wheel bearing was never replaced and it feels very unstable when I drive as if something is going to break. I believe I was sold a lemon and just want the vehicle to be in good condition for my family and my safety. I feel very unsafe driving this vehicle. I own a XXXX and it's been very reliable and I have never been lied to as much as I have with XXXX XXXX and this is very frustrating and disheartening since I am not in a ( lease ) with this vehicle and am expected to pay {$11000.00} for a car that I believe is a lemon.
I have a federal Direct Consolidation loan, which is split into two parts - subsidized and unsubsidized. I am currently in a period of in-school deferment and the government pays the interest that accrues on the subsidized portion of the loan. I frequently make extra payments on the loan in order to pay it off sooner. The loan servicer ( Navient ) does not offer the option for me to specify when making online payments how I want those payments to be allocated. My preference is to make extra payments towards the unsubsidized balance, because making extra payments towards the unsubsidized balance, which accrues a higher daily interest amount, allows me to save money over the life of the loan. 
In order for my payments to be allocated as desired, I have to include special instructions each time I make a payment, and rely on the servicer to interpret those instructions correctly and to follow through in applying them. This puts an undue burden on me as the borrower. Often, the servicer does not obey the instructions and I have to follow up multiple times with phone calls and emails to have the issue fixed. 
The servicer ( Navient ) has repeatedly told me that I can not split my payments as desired, since it is a single consolidated loan. This is not true, however. My promissory note states " I may prepay any part of the unpaid balance on my loan at any time without penalty. '' There is nothing in my promissory note to indicate that I can not make separate payments towards the unsubsidized and subsidized balances. 
Providing inaccurate information, not applying payments in accordance with special instructions provided, and giving the impression that payments can not be specified separately for the unsubsidized portion of the balance and the subsidized portion of the balance deters borrowers from being able to make payments in such a way that will save them money over the life of the loan. It creates unnecessary obstacles for borrowers. 
The choice to allocate online payments in accordance with personal preference should be made available at the self-service level. It is irrelevant that a consolidation loan is considered a single loan. The loan is broken into two parts and those two parts are able to be paid separately. Principal amounts are calculated separately, interest accrues separately, and billing amounts are calculated separately. Not providing borrowers with a choice on how to allocate their payments creates a false impression that borrowers are unable to specify how their payments are made. This results in more money being paid by the borrower over the life of the loan.
I was contemplating cashing in some US Savings Bonds. Went into my local Santander Branch in XXXX XXXX and the manager went on line, pulled the values and I then selected several bonds to redeem based on the info presented. I redeemed XXXX bonds out of XXXX for {$1700.00}. The amount was put into my account and all was fine. 1 week later i received a call from the manager that there was an " website system error '' and that the bonds were only worth {$750.00}. Before I could get there, they went into my account and took back the difference. I asked for my bonds back and was told your out of luck. When i showed the Santander printouts to my tax person he confirmed that there was no website error, the XXXX pulled the wrong screen. The values she pulled were for final maturities not current value. Based on this I am out 4 % bonds and the majority of the money was taken back. Santander has been bouncing me around different people with no resolve. Everyone makes a mistake, they need to admit the managers error and take responsibility. I have gotten responses ranging from " your out of luck '' to " You should have done more homework.
This financial institution put a hold on over {$80000.00} of our earned funds until an investigation could take place to deem if we could have access to it. After an unusually long period, they released our funds, but kept {$10000.00} on reserve to cover any " future risk ''. As a consumer, we have no right, we have to obey what they demand because we do not want to lose our money. It 's been over 60 days since we stopped using their institution and they still refuse to release our money, matter of fact, now they refuse to respond to our inquiries at all.
I contacted  Wells Fargo Bank  on the   XXXX   XXXX   XXXX   XXXX    , and asked that my Secured Card account be closed, and that the collateral money  ( {$500.00} ) be t ransferred to my checking account within the same banking system. I called them back on the   XXXX   XXXX   XXXX  , and was assured that the monies were cleared to be placed into my checking account. I checked my checking account on the   XXXX   XXXX   XXXX  , and noticed there were no changes. I called the banks headquarters in   XXXX   XXXX  , and was told that they were going to handle my financial affairs for 60 days.
I was contacted by a 3rd party debt collector that was harrasing me for a debt from Navient. The were leaving personal information in voicemails to me and my family along with multiple calls a day. When I hung up on the caller, she called back and said, " you hung up on me? '' They were hired by Navient. I contacted Navient in XX/XX/XXXX to dispute the account and get more information. I faxed over the Bankrupcty Discharge paperwork as requested. To this date, it still apears on my credit report and is stopping me from getting a mortgage loan.
I 've had the Fidelity rewards XXXX card for several months. The card was supposed to come with an introductory bonus promotion of, I believe, {$100.00}. I have not received this bonus. In addition, I have referred 2 family members for the card and have not received the referral credit bonus either.
On XX/XX/XXXX USAA entered into an agreement to pay affected customers a restitution of {$180.00}. We are now 6 weeks past this initial notification date and no attempt to render payment has been made. This is continued abuse by USAA and I believe renders them non-compliant in their agreement. I am asking CFPB to issue additional relief and advocate on my behalf to enforce the settlement in a far more reasonable and timely manner.
I have recently been informed that there is negative information reported by Gold Key Credit Inc in the file you maintain under my credit report. Upon reviewing a copy of my credit report, I see an entry listing I Never contracted with Gold Key Credit Inc this company is engaging in fraud and is using my personal information to destroy my reputation and credit score to pay them a debt I never owed them or contracted with them for any product or services. I asked for this fraudulent claim to be deleted and removed from my credit report and for them to be investigated for fraud. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with Gold Key Credit Inc and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows :
This is an ongoing dispute with a Mortgage Service company that is intent on foreclosing despite my good faith and will towards this company. We have remained in contact, our income and jobs have changed for much better, we currently have no problem paying either the mortgage or a significant increase for modification, and this provider continues to deny modification and uses inappropriate and deceitful practices to push forward with trying to take my home. Everytime we submit a resolution or documents they wait till the last moment to then say they did not have important signatures or something was not checked or crossed off. We need help.
I was under a reduced payment plan for a reasonable amount per month that was affordable. I ran into some financial difficulty and called and asked for temporary relief, rather than place me in another plan with a lower payment ( {$50.00} a month ), I was offered forbearance. 6 months later, when I wanted to start to repay the loan again, my monthly payments had more than tripled. I asked to be put back on the same payment plan I just had and was told they had no record of that payment amount. There was nothing they could do to help lower that payment and I've been forced to be in forbearance or deferment every since.
Today, XXXX XXXX, 2016, I went online to order my quarterly credit report from XXXX and chose Experion since I had n't gotten XXXX from them in over a year. After verifying my identity on both XXXX and Experion 's site, I got the following error message : We are unable to process your request. Please call us at XXXX XXXX XXXX XXXX.
I have tried fro two months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in as no reply has been sent. Thank you for your time. Attached is the last letter i sent this credit reporting agency
XXXX 2014 I applied to Bank of America to refinance all XXXX properties at the end of modification. My home payment increased significantly and it will increase several more times I have XXXX more years on my home loan. XXXX of 2014 I was told they will not refinance the loans without a reason. I would like to know why I was turned down
I have tried multiple times to rectify the debt which in the state of Texas has to have a bond in order to collect anything which they do not have making what they are doing illegal
I have been working with Equifax who over a year ago removed XXXX accounts reporting from XXXX after they exceeded the 7 year from last reported delinquet. XXXX has now again reported reaged debt by simply not showing late payments before XXXX. I have contacted Equifax and so far they keep saying XXXX is stating they are reporting correctly. This is not legal when these accounts are over XXXX XXXX XXXX. The partial account info is XXXX and XXXX. This practice must stop as it just happened to my wife with yet another XXXX Account.
Aargon continues to report a debt that I informed them that was not my account. They requested a police report that was filed and submitted to them on two occasion via fax as they requested and they continue to claim they have not received the fax. 

I'm attaching the police report for your office to forward to them. Failure to remove immediately I will file a lawsuit for providing false information on my credit report
Monday XX/XX/XXXX, I began the day with approximately {$45.00}, early that morning I noticed the recurring payment for my daughters braces was charged for {$130.00} causing insuffienct funds of about - {$94.00}. Within hours I deposited {$95.00} to resolve that. An additional deposit of {$19.00} to use my debit card for gas, which was {$18.00}. Fortunately for Wells Fargo, recent transactions were so conveniently delayed and processed in such an order that would only favor Wells Fargo and resulting in numerous overdraft charges. This has happened several times recently, and Wells Fargo has not had a problem refunding me a small fraction of these fees but Im getting sick and tired of it. Yes, manage your money better. Is the best solution, but something my financial institution shouldnt be making it impossible for me to get out of this hole Im in. After speaking with Wells Fargo and attempting to escalate the situation yesterday, their phone conveniently disconnected. I say there phone because my phone was still on the line when the dial tone sounded off. They refunded a measly {$17.00} From {$70.00} that were wrongly assessed to me. I allowed XXXX to deposit a refund I requested of {$29.00} to Wells Fargo to decrease my insufficient funds amount from {$59.00} to {$30.00}. Which I received an email stated my new balance of - $ XXXXand confirmed this with the calculations Ive been recording by hand, Wells Fargo online banking, AND the mobile app. My new balance was - {$30.00}, with no pending transactions. This, although incorrect, but was something I guess I will have to do. Until I come back from lunch and notice a charge that was assessed XX/XX/XXXX has somehow come back to life and processed today, creating an additional {$35.00}. Now Im fu***** livid. When Wells Fargo is asked about this, I get the same response each time. And remember that {$130.00} braces charge that started this? It finally shows today as processed, barely. I just now received it along with a note from Wells Fargo showing theyve kindly waived the fee on that charge. How generous ... ... This is outrageous. Ive been keeping record of my finances all month, and as an underwriter, Im fairly decent at doing so, this is incorrect and flat out criminal. Theyve been doing this for months, moving transactions around and even after being deducted from my balance someone reappear creating an additional deduction. Please please please help me with this so I can bring my account current, hopefully receive any money Wells Fargo has stolen from me and leave this awful bank for good.
They also left messages saying it was in my best interest to call back inferring I had a debt to settle or a negative connotation. I know for a fact it is illegal to do that in a message because they do n't always know who has control of that phone or voicemail. These are malicious attempts and each person should be fired that has left a voicemail in such manner.
Equifax got hacked and will not tell the American people who is hacked. They are not telling the American people who are affected. The PIN given has weak security as it is the date the request was made for the freeze.