WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2015 I paid this card off leaving a zero balance. In XX/XX/XXXX I placed a small order on easy pay of 3 payments of {$19.00} for which I never received statements and forgot about in the holiday rush. 

On XX/XX/XXXX I received an email from myfico that my credit score was dinged and they were reporting me 30 days delinquent. I immediately contacted them to advise I was not receiving statements and paid the balance in full requesting that all fees, late payment credit reports, my credit limit be restored back to what it had been. To date they have only reversed XXXX late fee of {$35.00}. 

I multiple accounts with Synchrony and have never had a problem. I certainly would not default or be late on a $ 20 monthly payment.
I am sending you this formal complaint concerning and TU their business practices. This bureau continues to report inaccurate information. I am formally requesting remove this debt from my credit. In the years from XX/XX/XXXX-XX/XX/XXXX my identity was stolen. I discovered this because accounts were opened accounts in my name. I have seen where someone has continued to apply for credit in my name.It is possible that the thieves that committed the fraud. In XX/XX/XXXX I filed a ID Theft Report copies were sent to all XXXX major credit bureaus. I have sent the proper documentation to all XXXX bureaus and the XXXX debt buyers. XXXX DELETED the XXXX Account and then reinserted the account without my knowledge, this as you know is in violation of FCRA15 U.S. Code 1681i
In stopping by PNC branch a few weeks ago to drop off a check, the person asked if we 'd like to obtain a lower rate on our credit cards. She said there were 0 % rates ( for intro periods ) for new accounts but also lower rates than we currently had which was 16.99 %. I did not have time to pursue this option at the time, but on XXXX/XXXX/2017, I called the number on the back of the credit card to learn more about lowering the rate or to go with another credit card lender who is offering 7.9 % variable rate with 12 months 0 % intro. The lady said she could not just lower the rate on a credit card account ( which has been done for me in the past when I 've called ). She said she could open a new card if I wanted to apply and get me another credit card, which I said I would rather just have my rate lowered because I do n't need a second card. After being transferred to three people over the span of 20 minutes, I finally was put through to a " manager '' who stated that " there are no other lower rates available '', which is a direct UDAAP violation because other people have lower rates than I do at PNC and how could she make a credit decision/pricing decision without doing any due diligence. She said she asked a co-worker who told her that all credit card rates are reviewed quarterly and if lower rates are available, PNC will automatically lower consumer 's rates. I find this hard to believe that PNC review 's rates every quarter and will lower existing credit card rates for all consumers and do not believe this is being done as I was led to believe. In the end, I was on the phone for over 20 minutes, spoke to 3 different people, was told lower rates ( 16.99 % ) are not available, told that PNC automatically reviews all credit card accounts quarterly and will give lower rates if people qualify ( which I believe is a lie ) and also refused to lower the rate on my existing account. I have worked with many banks in the past and I have always been able to negotiate a lower rate. In certain circumstances, I 've been told no and that is ok. But to directly lie to me and say no lower rates exist for PNC credit cards other than 16.99 % is a lie and to lead me to believe that quarterly PNC reviews everybody for lower rates, I believe is also a lie. I believe that someone needs to hold PNC accountable for pretending that they can not lower the rate on an existing credit card because 16.99 % is the lowest rate they offer and also to try and defer my concern by pretending that all cards are reviewed for better rates 4 times a year! My FICO score is over XXXX and my DR is well under any income threshold. This is a case where PNC is simply trying to lie to consumer 's to protect its own bottom dollar. Funny, the nice lady in the branch was advertising products that the credit card telephone persons do not know about?
I ORIGINALY MADE AN ADVERTISEMENT TO SELL A THINKSTATION ON   XXXX   XXXX   FOR {$2000.00} AFTER 2 OR 3 DAYS I WAS CONTACTED BY MY PHONE MESSAGE THAT THIS PERSON WAS VERY INTERESTED SO HE OFFERED {$50.00} EXTRA TO HOLD THE COMPUTER LATER HE SENT A CASHIERS CHECK FOR THE AMOUNT OF {$4200.00} TO COVER THE SHIPPING OF $   XXXX  .I DEPOSITED THE CASHIERS CHECK AT THE BRANCH AND I WAS TOLD THAT THE FUNDS WILL BE AVAILABLE NEXT DAY, WHICH WAS THE CASE.I ASKED TO MAKE SURE THAT THERE WAS NO PROBLEMS AGAIN. SO WHEN THE PURCHASER ASKED ME TO FORWARD {$2200.00}, TO THIS PERSON NAMED   XXXX   XXXX   IN TEXAS I DIDNT SEE A PROBLEM.I WAS TOLD THAT SINCE THERE WAS CASHIER CHECK INVOLVED AND THE BANK HAD 24 HOURS TO VALIDATE THE CHECK .THERE IS NO EXCUSE TO RETURN THE CHECK WITH {$19.00} TRANSACTION FEE PLUS MY LOSS OF $  XXXX .I TRUSTED THE BANK SINCE I AM NOT FAMILIAR WITH THESE CHECKS AND HOW THEY WORK.I AM NOT THE PERSON THAT MAKES THE DIRECTVE OR THE PROCEDURE ON HOW THE BANK IS A BANK. I TRUSTE THE VALID FUND AFTER THE BANK DECISION AND MADE THE TRANSFER. I THINK THE US BANK SHOULD BE LIABLE FOR BANK DECISION NOT ME SINCE US BANK DECIDED TO THE JOB AS A BANK NOT ME.
I THINK THAT THE US BANK SHULD BE RESPONSIBLE FOR MY LOSS OF {$2200.00} AND THE {$19.00} FINE.
I HAVE ATTACHED ALL THE DOCUMENTS I HAVE. MINUS THE POLICE REPORT THE I AM GOING THE FILE RIGHT AFTER THIS.
I HAVE A VERY SERIOUS COMPLAINT, I DOPOSITED THIS MENTIONED CHECK.I COULD NOT SEE THE IMAGE TILL IT WAS RETURNED. I COULD ONLY SEE THE DEPOSIT SLIP.
THE BANK DID NOT PROCESS THE CHECK PROPERLEY AND AS THE RESULT I HAVE LOST {$2200.00} AND {$19.00} OF FINE.THIS IS DUE TO THE BANK BEING UNDECIDED TO CASH THE CHECK OR NOT.IF THE BANK HAD MADE SURE THAT CHECK WAS OK TO HAVE AVAILABLE FUNDS OR NOT I HAD NOT LOST {$2200.00}.
THIS IS NEGLEGANCE OF THE BANK.AND I THINK THAT THE US BANK SHOULD HAVE A NEW DIRECTIVE AND PROCEDURE TO HOW TO PROCESS THESE CASHIER CHACKS SINCE ITS THE BANKS JOB TO DO THIS.
I AM CERTAIN THAT I AM ENTITLED TO BE COMPENSATED FOR $  XXXX .I WOULD HAVE NOT WIRED THIS MONEY OUT TO TEXAS IF I WAS NOT MISGUIDED BY THE BANK.
THEY SHOULD HAVE HAD AS MANY DAYS OF HOLD ON THE CHECK AS THEY NEEDED.I WAS NOT IN NEED OF IMMEDIATE CASH SINCE I HAD 6 TIMES THAT AMOUNT IN MY ACCOUNT.
THANK YOU.
The are harassing me indicating my mortgage is late. I completed the FHA Streamline Disaster Trial Period for which and I finally received my modification papers fro which I signed and had notarized on XX/XX/2018, sent that very day. It indicating my payment would be {$950.00} ( P/I of {$660.00} and Escrow {$280.00} ). And I continued to make payments was short whereas when I calculate what I paid vs what was paid out for T/I, I am well overpaid. Now they are saying on top of the escrow shortage, my mortgage is $ XXXX higher than what it was!? ( This is literally around the balance of my mortgage on the was around the balance of my mortgage on my XX/XX/2018 statement - I have copies of everything )! I was even getting charged monthly inspection fees when they weren't actually doing he inspection. They could not provide me only provide me with 1. I made several calls with only a few being returned. So I when I did speak to a CSR, I was told to report XXXX XXXX to HUD for which I did, only then did she start to respond since I sent email notification to the " Escalation department '' and CC her indicating. I have yet to hear back from them. It has been 517 DAYS and they still cant get this right. I am at whits end!! I don't even have access online to view what they are doing to my /account. Like they are being shady and hiding something. I told XXXX I AM NOT LATE, do not harass me and tell me I am and then she proceeds to tell me she will note I don't want to received ANY calls. NEVER did I say I didn't want to receive calls, I don't want the harassing calls saying I am late when I am not!? This is what happens when people are not capable of doing their job.
I have been affected by the equifax security breach. I want to file a consumer finance protection complaint against Equifax.
Have loans from XXXX XXXX XXXX, I ask all the question to recruiters about credit transfers and wanting to obtain my bachelor 's. I quote would n't you rather go to a school that 's nationallyaccredited and not regionally?! XXXX. So much more involved charging amounts I never authorized. Putting more against my credit. I actually cut losses and started over about rear later after learning KY degree would n't be honored. Please help they are n't owed a dime after living so blatantly.
XXXX/XXXX incorrectly entered that I was consistently late when I was on deference. This still shows a negative reflection on my credit reports.
XX/XX/2007 {$1000.00} I was making payments and I went through some financial hardship and wasn't able to make payments. debt collectors called my employee when I told them not to.
Americollect is on my credit report saying I owe {$1000.00} to them. I asked them to provide debt validation and they cant. The only thing they provided was a statement/bill. I got in contact with the original credit which was XXXX. XXXX stated I didnt owe them any money, further more they didnt even have me in their system. I sent a copy to Americollect and they then stated its for XXXX who supposedly is my son. That is not my kid! From my knowledge if I owe them a bill they supposed to send me debt validation not a statement/bill. I should received a contract thats between Americollect and I saying I owe them money with my signature saying I agree to pay them. I will like for them to remove that collection off my report asap since thats not my bill and they cant provide me with any type of debt validation.
In XX/XX/XXXX, I surrendered my vehicle to Equity Auto and I still have not heard or received anything in the mail from. In XX/XX/XXXX i reached out via email and was told that they still have not sold the car and that when they do, i should receive something in the mail. As of now I still have nothing in writing or email to say what is going on with my account. My account rep. XXXX was the person who I first emailed about this situation.
In year XXXX I bought an investment property located on XXXX XXXX XXXX, XXXX, Texas XXXX. There were two mortgages, one  {$80000.00} and the second {$15000.00} both financed by XXXX XXXX XXXX XXXX XXXX. Total {$95000.00} with a down-payment of {$6000.00} +.
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XXXX XXXX XXXX XXXX XXXX was then bought by Bank of America. In XXXX, I became sick with XXXX XXXX and still is till today, on XXXX. Due to my illness, I could n't go to the property to collect mails or rent the place. Two months into a foreclosure process in XXXX, Bank of America foreclosed on my property for FULL price. I called when I discovered that the house was foreclosed. Bank of America told me that FULL price was paid by XXXX XXXX who bought it and that I do not owe Bank of America any amount on the two mortgages. My three-bureaus credit reports started to reflect XXXX balance on both accounts.
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Then in XXXX, a company called XXXXl, located in XXXX, XXXX XXXX, Texas, XXXX started to call and write to me that I owe them {$15000.00} second  mortgage. Tel : XXXX.
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First, their letter stated that I owed XXXX XXXX XXXX, however, a note they called Alonge-to-note claims that they bought the second mortgage from Bank of America.
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I tried to obtain evidence of sale from Bank of America, BAC but BAC kept telling me that I do not owe them and that I should talk to their attorney because the file has been closed long time ago. Their attorney meanwhile said that only BAC can provide me the evidence of foreclosure sales I needed.
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XXXX then took me to court. To summarize, I was ill and couldnt appear in court the first time. I wrote to the judge with my complaints. The judge ruled against me WITHOUT EVIDENCE.
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The I went to the court the second time to see the judge who thought I lived in XXXX, Virginia whereas I live in XXXX, Texas near XXXX where his court is located.
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After passing judgment without evidence, he advised me to go to XXXX County to obtain the original sale papers and the Foreclosure sale papers. That I should compare the two to see what is owed.
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I did. Both papers show and proved what BAC said that I owe them nothing. However, the judge did not rescind in his judgement. He said I should go and get a lawyer to appeal it. I am on XXXX  and could not afford a lawyer.
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XXXX XXXX has been harassing me since then and accruing interest on the {$15000.00} which they now calculate to be {$19000.00}.
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PLEASE RESCURE ME FROM XXXX. I DO NOT OWE THIS COMPANY A PENNY.
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I will furnish you with necessary documents if you provide me the method ( s ) to.
For approximately one year, I have been trying to certify employment with XXXX XXXX to track payments for the public service loan forgiveness program. Every time I sent in forms, their customer service would tell me either the form was never received or one of their employees entered the information incorrectly, or there was a miscalculation with the number of qualifying payments. Each time they told me they would fix it and contact me and each time I am never contacted. Every time I call in, there is a new problem. They are intentionally stringing me along to prevent me from qualifying for loan forgiveness. I have all the documentation to prove my efforts for approximately one year and they still have not accurately tracked my eligible payments. I have only worked in public service, so all payments should qualify. They are giving me approximately two years of payments yet I have been working in public service for almost 7 years.
My only correct address on my report is XXXX n.y XXXX I resided there since 2001. Also no correct employment is on my report, I have worked for XXXX from XXXX to XXXX. Now my employment is XXXX XXXX N.Y XXXX
I 've submitted several request for loan Modification to HSBC Mortgage Servicer for assistance in reducing the interest rate on my home loan, which is at 8.76 %, which is perhaps the highest in the nation at the current time. All of my loan modifications have been denied. Once I submit a loan modification request, they assign a loan representative, then they unassign then assign a new representative, who is most always difficult to contact. They ask for the same documents over and over, as if the the documents sent to them goes into a black hole. My most recent loan modification that included a request for the removal of a balloon payment, interest rate reduction and forgiveness of all or a portion of the principal, was again denied in XX/XX/XXXX. They did not provide a specific reason for the denial but said that i could appeal. Appeal what? The latest person that I spoke with at HSBC only offered the advise of making the next 6 payments on time? Ok, so what happens after making the payments on time, Is my balloon payment going to be removed? Is my interest rate of 8.76 % going to be reduced to the current marke? Is my principal going to be reduced or forgiven? I have never been able to reach my loan representative! This is an excerpt from the most recent XX/XX/XXXX National Mortgage Settlement, which HSBC Mortgage Servicer have not been in compliance with : " HSBC is also required to complete XXXX in creditable consumer relief directly to borrowers and homeowners by XXXX XXXX in the form of reducing the principal on mortgages for borrowers who are at risk of default, reducing mortgage interest rates, forgiving forbearance and other forms of relief. The relief to homeowners has been underway and will likely provide more than XXXX in direct benefits to borrowers because HSBC will not be permitted to claim credit for every dollar spent on the required consumer relief. '' I am one of those borrowers that HSBC refuse to work with.
" Portfolio Recovery '' ( XXXX XXXX XXXX ) calls frequently asking for a person who is not here. I have told them that this person is not here, that he is not even in this state anymore and I have demanded that they stop calling. They still call.
We are in a Hurricane Irma FEMA designated area ( XXXX Florida- XXXX , FL vicinity ). 

We applied for and were granted a deferred minimum payment grace period on our Bank of America credit card ending in -XXXX. 

We did not receive any payment deferment as promised in XX/XX/XXXX until we filed a CFPB complaint in XX/XX/XXXX. Bank of America Irma Relief at XXXX was not able to help us resolve the issue for deferred minimum payment. 

When the deferred minimum payment issue was corrected by Bank of America, it was done very poorly. 

Bank of America has been the LEAST helpful to Hurricane Irma victims of any banking institution. We can name a dozen other banks who have been so much more understanding and helpful. Bank of America has charged our credit card account hurricane fees of {$27.00} on XX/XX/XXXX ; {$38.00} on XX/XX/XXXX ; {$38.00} on XX/XX/XXXX. Additionally, Bank of America has caused us great emotional distress by reporting to the credit bureaus a late payment notification. We have never had a late payment until Hurricane Irma. Our local TV station is requesting to do an in-depth expose on the treatment Bank of America has provided Hurricane Irma victims in our area, which has been horrible. 

We should not be charged ridiculous hurricane fees of {$27.00} on XX/XX/XXXX ; {$38.00} on XX/XX/XXXX ; {$38.00} on XX/XX/XXXX nor be subjected to a credit bureaus late payment notification due to Hurricane Irma. We feel like Bank of America has no compassion for Hurricane Irma victims, especially those in a XXXX minority category. 

XXXX XXXX
GmFinacial pulled my credit on XX/XX/XXXX ( Did not authorize this ) XXXX  XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX  pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX  pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX XXXX XXXX pulled my credit XX/XX/XXXX ( Was told i wouldn't get a hard inquiry ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX/XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX  pulled creditXX/XX/XXXX ( ( Did not authorize this ) XXXX XXXX XXXX pulled creditXX/XX/XXXX ( Didn't Know about this hard inquiry ) XXXX   XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX  pulled credit XX/XX/XXXX ( Was told this wouldn't be a hard pull ) XXXX  pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX   XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) I've tried calling, email and mailing! Phone calls get me nowhere, but told to call the credit agencies, which only tell you to call the company who did the hard pull! Emails get no response. And trying to mail request for removal of inquiries is hopeless.. the address are either old or XXXX XXXX Please help me resolve!
I applied for a payday loan with XXXX XXXX XXXX, I applied for a {$500.00} loan and that quickly became nearly {$1000.00} payback amount. I made multiple payments to them in the amount of {$140.00} bi weekly for about two months. I then tried reaching out to this company via phone multiple times for a time period of over a month, I left multiple messages and emails and never heard back, I was left with no choice but to call my bank and have them issue a stop payment as the funds were still being deducted directly out of my account. I still did not hear back from this company up until Friday XX/XX/2018 with a threatening email from a debt collector named XXXX XXXX. This person threatened me with court appointed action if I did not agree to reach out to him and settle this debt. I explained that I was interested in making payments in order to resolve the issue and asked if I could receive receipts for all future payments I make and payments already made and was told to refer to my bank statements. I need help, a I am being harassed by this company at work, home and school via email, phone and even text.
I participate with Bank of America mortgage, which they offered ,3 month no payment plan because of the hurricane that affected florida in XX/XX/XXXX. Before participating in the plan, they had assured me that they do not report to credit agency as missed or late payments, the representative said they are doing it to help consumers.Now i got letter from them saying, I need to participate in modification plan, which i do not want to because it will ruin my credit. so i called them today ( XX/XX/XXXX ) about it, the representative at the modification place threatened me that either i need to make the full 3 month payments or participate in their modification.Otherwise, they will report to credit agency as late/missed payments.

They told me that not report to credit agency. Now they are forcing me to participate for new modification .They also not deleting my PMI ( my loan was over 5 yrs ) due to this reason. What will i do?
I had added so much extra $ to principal I am 8 months ahead. 

OnXX/XX/XXXX I tried to make my regular payment on line but I could so I called to find out why. 
The girl said it was because the loan was almost paid off so she would have to do it on her end. After some research on her end she came back and told me an amount of {$1900.00} so I said fine and she put it into the system and it got paid. 

Later that week I received a payoff statement for the amount of {$5800.00} in the mail. This was an incorrect amount so I called them. I got no help immediately but finally got to a supervisor who saw it was over {$1500.00} higher than it should be and she said it would be corrected. 

I didn't receive any thing new so on XX/XX/XXXX I called in to make a payment again. The girl said she didn't know how to handle this so she transferred me to another supervisor. She suggested I just make my regular payment ( {$2600.00} ) since there was some confusion and she would have another final statement sent out. I made the full regular payment as she suggested. 

I received a final payment statement and wired the {$1400.00} as was asked for prior to the date asked and paid the loan off in full. 

The problem is because I didn't pay the {$5800.00} wrong amount on the payoff they sent out after I made the XX/XX/XXXX payment the are some how showing me 60 days late. I need to refinance because of a recent divorce in a limited time and I cant talk to anybody in the credit department. I have spoke to one supervisor XXXX ( XXXX ) XXXX XXXXwho has tried to help but her hands are tied. I also talked to an XXXX XXXX ( XXXX ) XXXX XXXX who said he could see where it was incorrect and would do his best to fix it The fact the are reporting this wrong could cost me my house. 

I paid every payment I was told to pay when I called in They no the final statement for XX/XX/XXXX was in the wrong amount and they don't care. I called in and spoke to them every time I made a payment and THEY gave me the amounts and said everything was fine, I don't have 30 days to fix this and they don't care. I could lose my house because I cant get this fixed. 

Even if they just took the 60 late off the report till they figure it out it would be fine but they wont even do that They dont care.