WillisBack/dataset-financial-user-claim huggingface dataset:
First, I will NEVER use Fifth Third Bank for any service again nor will I allow anyone I know to even consider dealing with these loose and inept customer service phone associates. They gave me several conflicting reports and answers re : the payout and closing of my car loan. In addition they gave out conflicting and erroneous info about the faxing of a letter of satisfaction and a copy of my title. Its obvious that this ineptitude starts at the top and filters down to the rank and file personnel. They continuously left me on hold for 15 minutes to look for a Supervisor. They lied about what they could do and refused to facilitate my reasonable requests five days after the loan was posted as paid out entirely. 
Never Again - what an incompetent group of people handling loans no less - SHAME!
I have a billing dispute with the  XXXX  whi ch AMEX ha s not managed well at all. The charge is {$63.00} and  XXXX  is claiming it was delivered to my house.     When I look at the documentation supplied by  XXXX  to  AMEX,  is clearly states that this package was left at the front door and we have not received such a package.     I would like to get this matter resolved beca use AMEX is c laiming that I received the package which is not the case, since it was left on a front door some where in the neighborhood by  XXXX .
Called me at work telling me that i would be served at my place of employment with court papers. That they had sent me prior information via XXXX mail, which i never received and told me I had 1 hour to contact them back or it was too late
CHASE PROMISES TO MAKE AVAILABLE YEAR END SUMMARY. 
CHASE DOES NOT FULFILL THIS PROMISE. XXXX XXXX CAN NOT ACCESS ONLINE. XXXX XXXX CAN NOT ACCESS BECAUSE HE GETS THE ERROR Duplicate headers received from server ERR_RESPONSE_HEADERS_MULTIPLE_CONTENT_DISPOSITION Hide details The response from the server contained duplicate headers. This problem is generally the result of a misconfigured website or proxy. Only the website or proxy administrator can fix this issue. 
CHASE XXXX XXXX XXXX XXXX MISLEADS BY PROMISING ME YEAR END SUMMARY. CHASE SHOULD USPS MAIL IT TO ME BECAUSE IT DOES NOT OPEN UP ONLINE. CHASE MISLEADS. SEND IT NOW BY USPS MAIL.
On XXXX XXXX, 2016 I desperately submitted a complaint regarding JP Morgan Case. Case # XXXX. CFPB. 
Now again I am coming back requesting the same. I have continue to provide various loan modification packages to Chase to no success. I want to preserve my home. I am more stable now than ever. This is my primary residence. It is my understanding that CFPB is here to protect the consumer. I feel JP Morgan is giving us the run around .What else do we need to do to proof that I am out of those hard time and I am able to take responsibility for all that I s due. All I am asking is for a work out plan that is affordable. 
I need another chance. I just received notice that with in 60 day I will be out of my home Please advice of any out come. I will be contacting also HUD.
Hi, As part of the purchase process with my new construction home - the builder XXXX require you to have a credit check with their lender, Eagle Home Mortgage in XX/XX/XXXX. 

The house is still under construction and is not scheduled to be complete until XX/XX/XXXX. I have not decided which lender I am expecting to use and was planning on shopping for rates at a date closer to closing. 

This morning at XXXX I received an email from XXXX XXXX a Loan officer at XXXX XXXX. 

" XXXX XXXX, Your credit report is expired and invalid. Credit reports are good for 120 days. This is notification that our Processing Department is updating your credit report for your XX/XX/XXXX closing with XXXX. 

XXXX XXXX Senior Loan Officer NMLS # XXXX '' I responded at XXXX as below. 

" XXXX please do not pull my credit report. 

I do not give you permission at this point. 

Thanks, XXXX XXXX '' I then received this response " Greetings, I called immediately to halt this action but the report had already been pulled by processing. Your credit scores are still very good and this will have no negative affect on your loan approval here or at any other lender. My apologies this was not run by you first. 

XXXX XXXX Senior Loan Officer NMLS # XXXX '' I did not give this Lender permission to pull my credit report and I am extremely upset with the assumption that they assumed they could pull this. 

This is the reason I am filing this complaint. 

XXXX
I have been victim of identity theft at USAA. Someone has stolen my SS # and made a fake DL to open XXXX fraudulent credit card accounts and a bank account under may name. I have sent everything USAA has asked me to send from day one, since 4 months ago, and have hadXXXX lengthy follow up calls with them to date. Every time they say all is cleared but they fail to confirm to me by writing or email and report to the credit bureaus. Please see my last correspondence to them by certified mail, attached. This has been a nightmare for me. The situation is very suspicious and concerning as there are reasons to believe that the thief is potentially either internal to USAA or has a good line into USAA! Please help!
I filed for bankruptcy 10 years ago for hardship and the bankXXXX then went under. No knowledge They knew Iputbthe lian into my bankruptcy and Sold my acct when they folded. I keep calling Navient to tell them and I am being charged over6000 in fees BC they said it was from the take over, this is fraud.
I submitted a Notice of Cancellation of the payday loan within 3 business days which is my right per Texas law. Check N Go refused to rescind the transaction and acknowledge the Notice of Right to Cancel and charged me the exorbitant interest payment.
An item ( book ) was purchased. When I received it the book was damaged and defective. I returned the book and made a claim with  Chase Freedom Cr edit Card. I have endlessly tried to resolve this matter and have been unsuccessful. I have called numerous times and no help. Just recently I sent an email to Ms.  XXXX   XXXX  to see if maybe she could step in and help and again I was ignored. I have done nothing wrong and now I am being threatened and m y credit score is r eally bad. I am trying to avoid litigation. You need to change the rules for credit card companies. I feel ripped off and a victim of a bad faith.
Since the loan was initiated in 2015, we have not received one paper or electronic statement from the bank. Autopay was not used, we have no way to track, no tax information from the last three years. A payment was accidentally unpaid due to the lack of information and the bank said we were one month behind for the last three monts, and the report has been done accordingly during the last three months on the credit. No warning call, no clear information on the website and no statements available since loan initiation. The banks answer : we should have paid using the talon of payments and it was our responsibiity to keep track of it
On Wednesday, XXXX XXXX, XXXX I received a letter informing me that I had canceled my insurance and that my mortgage company, Freedom Mortgage, would be providing me with hazard insurance at a high rate. I had know idea that my insurance had been canceled. I was n't overly concerned because I had received one of these letters about two years ago.
When I called Freedom Mortgage they informed me that they had sent my insurance payment, but it had been returned. They told me that they sent my payment to the wrong address. And that XXXX XXXX had canceled our policy 6 weeks ago. I told them that I was unaware of any problem. They said two letters were sent from XXXX. They asked if I would hold while they contacted XXXX XXXX. After 5 minutes they came back on the line and said they were talking to XXXX, The mortgage representative said she hoped they would take an overnight payment. She came back on the phone and informed me that XXXX refused. I needed to call my agent and rewrite the policy. I was extreme frustrated and overwhelmed. The next day I was having roofers show up and I had no liability insurance. The response from Freedom was that is an inconvenience. There was no admission of guilt or apology. I asked for a supervisor and was told it was a one to two day call back time. She connected me to a higher level. At one point in my anger I asked if I needed to contact the tax collector to see if they had paid my property taxes, and I was told not to be ridiculous. I could n't believe how flip they were. 

I called my agent, but he was very confused and said he had to check somethings. I then decide to call XXXX myself. I connected with a very helpful agent. There records did n't show any calls from Freedom Mortgage that day. He offered to call them and see if they would send a payment immediately. He also informed me that no letters had been sent to me, but three bills had been sent to Freedom. He put me on hold, and called them. Freedom was willing to send a payment right away, and some how found the correct address.
It is amazing to me that Freedom Mortgage lied to me about everything. They risked my home and my financial safety. I have never missed a payment or been late. This is the second time they have put my security at risk..
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA.

This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Account Number : XXXX Date : XX/XX/2013 Amount : {$750.00}
I requested debt validation of this debt XX/XX/XXXX. As of XX/XX/XXXX, i still have no received the validation from ccs companies. The debt is still being reporting to my credit reports and ccs is still actively trying to collect on the debt.
In XXXX of XX/XX/XXXXI was living in a XXXX XXXX XXXX in XXXX, TX the property was being managed by XXXX XXXX. I was having personal and financial issues and was no longer able to make my financial obligations and needed to move. I wrote the property manager letting them know the situation and that I would be vacating the residence at the end of XXXX. I was willing to assist in anyway in order to get new residence in and was very clear that I would pay whatever rent remained. I moved as planned leaving the residence clean and with out damages. In XXXX of XX/XX/XXXXI was served eviction notice for the residence that I had been out of for a full month. I have tried multiple times to reach out to the the property manger in order to make payment arrangements for the remaining balance of {$1700.00}. Now I have a collection with Fair Collections & Outsourcing for this residence. They are now attempting to collect {$9600.00}.
From XXXX through XXXX I had a VA loan serviced by Wells Fargo. During the 4 years, Wells escrowed my property tax and hazard insurance payments. In those 4 years, my property tax bill went up 18 % and my hazard insurance went up 20 %.

My Wells escrow went up 81 %! There are 4 reasons this happened : 1- Wells escrowed the hazard insurance even though a H O A master policy made that unnecessary.

2- They paid the hazard insurance 12 months in advance, going into the next year, rather on a monthly schedule, then claimed I was up to 11 months short in my account. 
3- They paid my property taxes a month early before the XXXX and XXXX due dates, then claiming I was a month short in my escrow account each time. 
4- Wells offered to increase my monthly escrow by 1/12th of the shortage to catch up. 
They started this in XXXX, but then reassessed the escrow account in XXXX of the next year, adding another shortage to my balance. In one year the shortage went from {$170.00} to {$970.00}. 
I'm on Social Security and a VA XXXX wage. I have the paperwork. My question is, can they do this legally? It would eventually overtake my ability to pay the loan. 
Thank You, XXXX XXXX XXXX XXXX
I strongly feel that my mortgage is consider to be " underwater ''. I have been min iiinn my in my home for 22yrs now. When I first purchased my home it listed for {$78000.00}. I just got approved for a balloon loan modification through the HAMP program. This loan was modified with a new principal balance of {$120000.00} with a 2 % interest rate for 20yrs and at the end of the 20yr loan period I will owe a remaining balance of {$55000.00} that will be due in XX/XX/XXXX. I am complainting because I do not know why I still owe this large this large amount of money on my home after 22 years of payments. I want to know where has all my money gone in the last 22 years because I feel like I am starting all over with this new balloon loan modification and no one seems to have the answers to my questions. In fact, I should just about be finish paying for this single family home in 8 more years. I first brought this home XX/XX/XXXX. Please help me understand my total situation.
I left one of my bank accounts with Bank of Albuquerque unattended. I overdrafted and was not notified and got an overdraft fee. I checked my account 2 months later and accrued more than XXXX $ in extended overdraft fees. I am not currently in a financially stable position and can not close the account. It has been over a month since then and the debt gets worse. 

Naturally I am to blame for not checking on my account routinely, but I almost never used it. I should have received a warning. Furthermore, I have checked and it seems extended overdraft fees exist in a legal grey area, and there seems to be a lot of class action lawsuits for this sort of thing. Argument being that it is not a fee for a service, and so it must count as a insane amount of interest.
I am a XXXX Veteran whose down on his luck, I am unemployed, I 'm in the arrears 10 months, and I am extremely frustrated with SLS my mortgage company. I applied for assistance back in XXXX XXXX when the loan was with XXXX, I checked the box, to keep my house, SLS picked the loan up in XXXX XXXX, and I still have not had a reply on my plethora of applications for assistance. I 've done everything they 've asked me to do in some cases twice ; I 'm at my wits end. My relationship manager has changed 3 times, XXXX is the latest, and sadly every time I call I get several prompts, only to hear a recording saying XXXX is not here today. I have left my phone # several times for a call back, the outgoing message indicates I will receive a call back within 24 hours and it never happens. I 'm having trouble sleeping at night, not knowing what is going on their end. I filed for assistances over 7 months ago, and after sending me endless letters asking for this form and that form, which I send everytime, but still no reply on what assistance program I qualify for. This is extremely upsetting to me, I want to stay in my home I 've lived in for over 17 years, I have gone XXXX, so that I can find a job, sadly I lost my job back in XXXX to no fault of my own, and I have cooperated fully, I 'm looking for a job. I 'm doing everything in my power to keep my house and get back on my feet.
On XX/XX/XXXX, I deposited my paycheck from my employer, XXXX XXXX XXXX XXXX, into my checking account. This check was for roughly the same amount ( +/- {$200.00} ) and deposited at roughly the same time ( +/- a week ) as all other checks from that entity received each month over the past 2 years. At some point, Bank of America decided to put a hold on that check, holding it until XX/XX/XXXX, without informing me of why. On XX/XX/XXXX, my landlord cashed my rent check, dated XX/XX/XXXX, which caused my account to overdraw by almost {$1000.00} due to Bank of America not making my paycheck available to me. I was assessed an overdraft fee of {$35.00}. On XX/XX/XXXX, I discovered my check had been returned anyway, and that overdraft fee became a " return fee. '' As per my lease, my apartment will be assessing me a returned check fee as well, and a late rent fee. 

During a call with customer service on XX/XX/XXXX at roughly XXXX XXXX   PST, I was repeatedly informed that they had no authority to release my paycheck and make the funds available. After threatening to report them to the CFPB, Bank of America released my paycheck on XX/XX/XXXX, but refused to overturn the returned check fee, and would offer me nothing to make me whole for the fees that my apartment is assessing me due to Bank of America 's activities. 

In their initial insistence that they had no authority to release my held check, and then their subsequent releasing of said check after I threatened to report them, Bank of America has demonstrated the arbitrary nature of their check-holding process. It is in their best interests to withhold customer deposits and collect the associated fees. This is similar to the XX/XX/XXXX class-action lawsuit alleging abuses of their overdraft fee system, which was settled in a XXXX XXXX federal court for XXXX XXXX.
I RENT A CAR WITH XXXX RENT A CAR FOR XXXX WHEN I RETURN THE CAR THEY CHARGE ME FROM XXXX ACCOUNT, AND PAID ME BACK THE SECURITY DEPOSIT TO ME ON XX/XX/2017 THEY TOOK COLLECTION ACTION BEFORE I SENT THEM THE LETTER BUT AGAIN THEY DOING IT BECAUSE THE LOOK XXXX XXXX XXXX LOCAL OFFICE THE GUY WHO DEAL WITH XXXX DONT LIKE MY NAME XXXX XXXX JUST TO PUNISH ME THEY ARE DOING THIS TO PUZZEL ME PLEASE STOP THIS COLLECTION ACTION I DONT OWE THIS MONEY THANK YOU XXXX XXXX
Purchase car and used their own Loan Company BMW Financial and loan started from XX/XX/XXXX on my wife 's name, XXXX XXXX XXXX, but I was secondary ( XXXX XXXX ) From 1st Month onward, I had setup auto payment on my bank account.
I have completely paid off my Auto Loan as of Today.
For 2 months, XX/XX/XXXXand XX/XX/XXXX, due to BMW 's technical glitch in bill payment system ( which they agreed on phone ), they kept charging on my old account.
Initially they charged 2, {$25.00} late fees of {$50.00} total. But after a series of phone calls and emails, they agreed their mistake and " Adjusted the late fees '' and credit me back {$50.00}. They NEVER informed me, that their automated system had already sent this to credit bureau, without, properly checking detailed about my payment and the issue.
I had contacted them several times and talk to them, but they wo n't remove the entry from bureau, even it was their mistake. They have been extremely arrogant, adamant and unfair with someone like me, who has always paid on time, set auto payments.
I am kindly requesting, and hopeful you guys can help me out here, as I am planning to buy a house, and this is negatively impacting my score.
Thanks in Advance.
In the second week of XX/XX/2018 I applied for a personal loan from Citibank for {$12000.00}. 

I have had an account with Citibank for more than five years, and have had two loans with them, one paid off in full, the second with less than 1/3 of  the balance left on it. 

Perhaps the most foolish thing I did was listen to the advice of the XXXX personal banker at the bank. He gave terrible, misleading advice throughout, and it's obvious at this point that his chief priority was to get his share of whatever bonus is offered from him making new loans. 

The loan came back as approved for {$10000.00}, and he started celebrating the loan approval. But after a few seconds of celebrating, he realized that he had not pressed the right key, and the loan was assigned to an underwriter. He was surprised, and said it was a formality that occasionally took place to make underwriters useful in their work role, and that it would take a few more days, but then at that time the loan would be approved. 

A letter was mailed out to me telling me of my approval, saying that some additional documents were required within 15 days. The documents were tax returns from the last few years, all which confirmed income that far exceeds the nominal scope and amount of the loan. The pathetic personal banker failed to mention this information before I left the branch, and I told him I was going out of town for ten days. By the time I returned and sent in the tax forms that had been requested, the application had been put on the fast track for rejection, and it was obvious when I called in to check on its status, and a total pathetic XXXX answered the inquiry, that this XXXX bank had any intention of honoring the loan approval. 

In conclusion, Citibank is a pile of garbage that hires really XXXX people to work for it. I'm sure this has to do with other factors such as the particular demo and traits of who gets approved for loans, and it is something I will keep in mind as I wind down my dealings with this fast-failing institution for losers.
Out of the blue, I received a letter from DYNAMIC RECOVERY SOLUTION stating : I owe the Original Creditor : XXXX XXXX ( i never heard of ) Current Creditor : XXXX XXXX XXXX ( FIRST TIME I HEARD ) DRS ACCOUNT NO : XXXX ( NEVER HEARD OF ) CURRENT BALANCE : {$8000.00} I am surprised and worried that if my personal info has been hacked and now somebody has been using my ss no. I owe nobody and I have given nobody any consent or verbal written to do any transaction on my behalf neither I have done myself. <P/>I have been notified to dispute the balance in writing within 30 days after receiving this notice. I do n't know what to do? The company who sends me the notice is as follows : DYNAMIC RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX, SC XXXX
Upon receiving an alert that there was a collection that was added to my credit report, I discovered that Falls Collection has placed an account without informing me that they had purchased an account, and without giving me a chance to dispute the debt. They were sneaky and deceptive and broke the law by not notifying me about XXXX different accounts
Deed-in-lieu executed on XX/XX/17. Ditech continues to send me correspondence on the account and attempts to collect the debt when I call to have the matter resolved. The problem has not been fixed after many calls on my part and promises from Ditech to resolve the issue.