WillisBack/dataset-financial-user-claim huggingface dataset:
I made a wire transfer to Coinbase in the amount of {$6000.00} on XX/XX/2017 from my business account. However, because the name on my Coinbase account did not match my business account the wire was supposed to be reversed. I received emails from Coinbase stating that my wire would be reversed. To this day I still have not received my money back. I have called and emailed several times with absolutely no help, not even one response from them besides automated email responses. I provided them with dates and the wire transfer transaction number. I saved all their emails and all my email attempts to get some support. My Coinbase case number is XXXX.
I applied for an Income Based Repayment program for my student loans back in XXXX/XX/XX/2018. I was sent a form asking for clarification on my past stubs because this company couldn't do the math and figure out that the pay stubs were two weeks apart meaning I get paid BIWEEKLY. My take home pay is {$0.00}, I am a waitress and make barely enough money to pay my rent. After TWO MONTHS of patiently waiting for this to be processed I reached out to their email communication team. I heard nothing back for over a week. I contacted again threatening regulatory action. I then applied for an Unemployment Deferment because they repayment plan was taking forever and my due date was coming .... A few days later I got a response that my program is approved but I am now due for {$6300.00} on XX/XX/2018! HOW IS THIS POSSIBLE!? I cant pay that? I just sent in my pay stubs showing I MAKE NO MONEY!! I need this fixed. That past due amount will tank my credit and I am working so hard on getting this all my debts settled. I cant do much more than give them everything they ask for! Please help me get the {$0.00} monthly payment I was told I qualify for based on my income. This has to be some form of predatory lending trying to take their time in processing these apps so they can make their money on the interest that keeps accumulating .... cant you see I am trying to do my part!!!
I 've pleaded with Transunion to update my credit report. My maiden name is XXXX. All of my former employers have been deleted from my history. My drivers license have been stolen in the name XXXX XXXX XXXX. I 've mailed a copy of my current information to them. 
My last address is XXXX XXXX XXXX XXXX TN. XXXX XXXX XXXX XXXX XXXX XXXX TN. XXXX XXXX XXXX XXXX TN XXXXXXXX. XXXX XXXX XXXX XXXX TN XXXXXXXX. XXXX XXXX XXXX XXXX XXXX is one of my employers. XXXX XXXX, XXXX XXXX XXXX XXXX is my first employer. Social Security have this information on file.
bank of America sent me a promotional rate to use. I payed off my credit card with bank of America to take advantage of the new rate on the XXXX of XXXX they assured me I would have {$14.00} sent to my bank I called them XXXX of XXXX they assured me the funds were enroute. no money! I called today XXXX of XXXX they told me I had giving wrong acct info, expect deposit by XXXX of XXXX I ask them to ck there recordings of conversation they would not admit whose was at fault.senior in real hardship.help!
I have tried reaching out to XXXX, EQUIFAX and XXXX  with regard to multiple inquiries being reported in my credit reports without my permission or consent. I have been unable to get this resolved after multiple attempts to dispute. I have made phone calls, as well as sent certified letters. I have even had to do my own freeze on my accounts until this is fixed! This is putting a significant amount of undue stress on me. Credit bureaus are SUPPOSED to properly verify the accuracy of items listed on my credit report! Please help with this.
I submitted a dispute with all XXXX credit bureaus numerous times and there are still items that have been paid and are duplicates reflecting on the credit reports. Further, I have provided information to the credit bureaus and the companies that verified that I paid the accounts. These specific accounts are still showing active, with a balance and a monthly payment. The specific accounts are- XXXX XXXX Bank ( XXXX XXXX XXXX XXXX XXXX and XXXX ) and XXXX. Further, some of these accounts have been reported on my credit report since XX/XX/XXXX and XXXX XXXX years. I have contacted all XXXX credit bureaus ( XXXX, Equifax and XXXX ) and they refuse to remove the accounts each time and now they are reflecting duplication.
My mortgage was just sold to Shellpoint Mortgage Servicing/XXXX XXXX XXXX XXXX XXXX. I wasn't even notified by them or XXXX XXXX loans who previously owned my mortgage. 
When, I finally got setup on their website https : //www.shellpointmtg.com/ and got logged in. I saw a disturbing statement! It says, " The loan is in active bankruptcy. Please contact the bankruptcy department to service this loan. '' Well, I call them XXXX XXXX XXXX XXXX and get put on HOLD and no-one ever picks up! Been trying for 3 days now! HOUR AND HOURS ON HOLD. No-one ever picks up! 

I have never missed a payment in the last 2 years. I hear this company is a crooked foreclosure company. I guess it's true. They won't even answer the phone to rectify my issue.
Case XXXX is now 30 days old. I have recieved no correspondence at all from Equifax since the last response here. 

Equifax stated they would contact me with investigation results within 30 days. They have not. This is a violation and non compliance.
I advice Ace Cash Express Corporation in XXXX, Tx on XX/XX/XXXX-XX/XX/XXXX that I am working The Dept Consolidation Company Consumer Capital Advacates along with XXXX XXXX  XXXX XXXX XXXX to settle and resolve my loan Dept account. 
Customer ID:XXXX. 
And provided them the Documents by E-mail to direct all communication with my Dept Consolidation Company who is trying to settle my loan dept. 
They went to go threaten me as and customer consumer telling me if they don't received any payments they is going to threaten collection action when my dept Consolidation group advice me to reach out to Ace Cash Express to contect them regarding my loan account. 
To set up and settlement agreement to resolve my loan account
Received notice that I may be eligible for a mortgage refund by OCWEN " MISDATED LETTER CREDIT '' I was inform to submitted request for possible refund and that I would be informed of egibiliblity within 180 days. I submitted my request XXXX XXXX, I was recently informed by OCWEN that it would b ANOTHER 180 days from XXXX
On at least 5 previous occasions, I request Scottrade cease and desist communicating with me via email and other methods of communication, citing State Unsolicited Email Law, and Federal Debt Collection Practices, yet Scottrade has failed to acknowledge these email and has sent me another email, in violation of numerous State and Federal statutes.
Account Number Creditor Information  XXXX **** SANTANDER CONSUMER USA   XXXX   XXXX   XXXX   Condition   XXXX   XXXX  , TX Closed  XXXX  Current Balance {$0.00} Phone # :  XXXX  $ Original Balance   XXXX   Opened  XX/XX/XXXX Reported  XX/XX/XXXX  Remarks Closed THIS SHOULD ALREADY BE OFF MY CREDIT REPORT IT HAS BEEN PAID IN FULL. AND THE ACCOUNT IS CLOSED.
I called Bank of America and asked to close my savings account. They refused and instead made me book an appointment to close it at their location the next day. So I show up and I am straight forward. I tell them to close my account because I don't trust their bank since they've charged me upwards of {$300.00} for random " overages '' or " fees ''. 

They refused to close my account, even after I settled the debts and my account was no longer in the negative. 
Now they charged me again, this time {$30.00}. for " account service ''. So my account isn't closed and yet again I'm in the negative. 

Bank of America is a fraud.
This is my fourth complaint on no resolve to my problem with bank of america, I have an unauthorized charge of {$210.00} and they have done nothing to this point to help me. I called both optimum and the bank of america customer service and both treated very nasty. I have since canceled my optimum service. I also wake this morning to service on both of my accounts, and for what reason?! I would n't be negative if the bank would of just refunded my money taken out my account without my consent. They call and I call back the claims dept and nobody ever picks up. I am upset, because I do n't make much and these things like this put me in a hole. Now my accounts are negative - {$14.00} and - {$5.00} this is ridiculous already how this bank just does n't help its customers at all and just keep taking our hard earned money through these shady fees and broken claims process!
I called and talk to an representative for Transunion about credit about inquiries that were unknown to me. The inquiries are as followed, 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX  3.XXXX  XXXX XXXX XXXX  Each one has multiple inquiries I hope this can be corrected and there are more to be reported.
I filed bankruptcy in XXXX XXXX. My credit report states and have stated it would come off XXXX XXXX. I have disputed this action with equivalent and they states that it can stay on my report for up to ten years. I ask what factors that in or what or who decides that it has to stay on my report " UP '' to ten years. It has been to my knowledge and when I filed by my lawyer at the time it could be from XXXX 10 years. As I stated my report says 7 years by the date, it does n't state ten years. I can not get no straight answer from Equifax on why and who decides that it must stay on my report up to ten years. They say the are going by the fair credit reporting act but when I call to ask the same question to frca, the agent as well could not answer why or who determines that it stays on credit report for up to ten years. I requesting it to be removed because by the suggestion of my lawyer saying I did n't need to go through with it, since my situation worked out. So I just been waiting out my years for it to fall off
In XXXX, XXXX, XXXX of XXXX I began noticing odd charges on my credit card. I notified Capital One via letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again this year twice, the first time in XX/XX/XXXX and then again recently in XX/XX/XXXX. I've gotten ZERO responses other than them sending me correspondence informing me that because I DID NOT inform then with 6 months of the charges I was not allowed to dispute the charges!! I did notify them, with 30 days or less, or each and every single charge. In XX/XX/XXXX, I even sent them copies of each letter along with copies of the statements showing the charges in question with only a response to one charge for {$100.00} which was done XX/XX/XXXX. 

There are 7 charges total that come to {$890.00} and were done as follows : 1. XXXX on XX/XX/XXXX to XXXX XXXX 2. XXXX on XX/XX/XXXX to XXXX XXXX 3. XXXX to XXXX on XX/XX/XXXX 4. XXXX to XXXX on XX/XX/XXXX 5. XXXX to XXXX on XX/XX/XXXX 6. XXXX to XXXX XXXX on XX/XX/XXXX XXXX. XXXX to XXXX XXXX on XX/XX/XXXX The one and only charge reversed so far has been {$100.00} to XXXX. NONE of the others have been remedied and I've incurred late fees, excessive interest, and damage to my credit as a result of this. I've been undergoing a medical problem for the last 1 1/2 years that prevents me from speaking on the phone so hence the constant letter writing. I've not had the ability to work so I've not had the ability to use and pay the card, yet because of questionable charges AND Capital One ignoring my correspondence I now have damaged credit and debt that I can barely afford to pay. 

This has gotten beyond frustrating at this point.
My husband and I opened a savings account with Region 's Bank a few years ago and had my husband 's SSD directly deposited. The bank suggested with open a XXXX XXXX XXXX account which we did, not the bank has put us on notice if we do not open a XXXX our savings account will be converted to a regular savings account with numerous fees. I think the bank does not care about loyal customers.
On XX/XX/2018, I called XXXX XXXX XXXX, to inquire how much I need to pay to get rid of PMI, the customer service rep, said {$1700.00}. I made an online payment for {$1700.00} to principle and fax over the PMI request form for removal of PMI, the same day. The lady did not state I needed to have anything else for PMI removal.

I then received a call from an appraiser to schedule an appraisal of my home. I called Round Point and asked how much was the appraisal and all they could tell me was between $ 300- {$600.00}. I then told her I was at 80 % so I should not need one. 

On XX/XX/2018 I called again to XXXX ID-XXXX and she stated PMI would be removed, if I paid {$1200.00} then my principal would drop below 78 % and it would be removed. That same day I made another online principal payment for {$1200.00} On XX/XX/2018 I sent an email to Round Point, to request dropping my PMI because now I am at 77 %, but never heard back. I also asked for my extra payments that I paid for PMI be applied to principal, and nothing has happened. 

I have made numerous phone calls, sent email for request removal. 
I have an excellent payment history, have never been late. 
My payments are current and I am at less than 78 % of principal.
I have made several attempts for this company XXXX XXXX to provide proof of account ownership and they have not sent any information over to me. I have also called XXXX XXXX which was the original creditor and they said that they do not have any information on me and I need to contact XXXX XXXX. I have disputed this account since 2016 several times with all 3 credit bureaus and they have not provided me any information that I asked for as far as verifying this debt. I have never lived in these apartments. Either send me a lease stating that this is my account as I requested several times or remove this from my credit report.
On XX/XX/XXXX I purchased {$5000.00} worth of virtual currency from Coinbase. On XX/XX/XXXX that {$5000.00} was withdrawn from my checking account and sent to Coinbase. On XX/XX/XXXX I received an email that my order had been cancelled with no explanation as to why and that I would receive my funds back in my bank account within 3-4 business days. I immediately began a support case via email with Coinbase to clear up any confusion & rectify the mistake of the order cancellation. I received no personal email response so I began calling Coinbase to try to understand why the order was cancelled and when I could get either my currency or my USD back in my account. At the time of writing this it is XX/XX/XXXX and I have spent many weeks calling and many hours on hold with no resolve to my issue. I still have no money back in my checking account and I have no virtual currency either. My case is continually 'escalated to a specialist ' but no one can provide any answers in regards to when I will receive my funds back, what happened or why it is taking so long. At the time of writing I have logged 18 phone calls and 7 emails with no resolve since XX/XX/XXXX.
A fix interest rate that change all the time. I was to pay back XXXX in interest by the contract and pay back XXXX fillers in a fix interest loans
While going through the process of a refi we discovered my wife had an unpaid debt from a period while we were legally divorced. We agreed the debt was valid but had never received notice of it 's existence. When we contacted the collector ( XXXX, from LOUISIANA RECOVERY SERVICE in XXXX, Louisiana ) they were not receptive to settling the debt for anything less than it 's actual amount. That was satisfactory because we concur it was owed. We made clear we wanted it deleted and not simply marked paid. The collector stated he would remove the debt after it was paid in full, but within 45 to 60 days, or for an {$11.00} deletion fee, he could delete it within a week. We agreed to that as well but asked to have that agreement in writing before sending payment. He stated that it was their policy not to send such agreements in advance. He stated he was bound by federal law to follow through on any promises made. He went on to state the conversation was recorded and that would be my proof. I disagreed, arguing I had no access to his recordings. I informed him I wished to call an attorney friend for advice before going forward. My attorney friend advised me to insist on a written agreement. When I called back approximately 5 minutes later, he again resisted and informed me there would be an additional transaction fee of {$7.00}. I became increasingly uncomfortable as he repeated the disclosure statement : " this is a call from a debt collector and is being recorded '' before answering any additional questions asked. This sent up a red flag indicating to me there would n't be continuity in his recordings if we ever needed them recalled. It was simply odd and absurd he would keep making that statement. We informed him we would call back the following day to reach an agreement in the presence of an attorney. He is resistant to that now too, not answering either my wife 's or my phone. I contacted the BBB with a complaint and sent him a certified letter the next day outlining my concerns. I also advised him, I 'd be contacting the FTC as well. That brings me here now.
First I want to say that I was XXXX months behind on my mortgage payment and am in the process of getting caught up. Bank of America started doing the following : To my surprise I received in the mail a XXXX package that I was approved for a loan modification. ( I never applied for one ) When I called the bank they informed me the investor ( XXXX XXXX ) offered me a loan modification that it did n't come from them that they only service the loan. The loan modification stated the rate would be the same but they would stretch the loan out XXXX years and XXXX months and they would now escrow the account. ( Presently I only have XXXX years and XXXX months to pay and for the past XXXX years I have been paying my own insurance and taxes on the installment plan ) I declined the offer and specifically spoke to a customer rep named XXXX at Bank of America. 
Then I get another letter stating my mortgage payment was going up XXXX plus dollars to include my escrow. I called the bank again and was told to protect their interest and XXXX XXXX they were going to do escrow. They called my insurance company and told them they would be doing the payments. I stated again that I never consented or signed any papers for any loan modification and my insurance and taxes were all paid up. They went ahead and requested payment from XXXX XXXX XXXX that was already paid and XXXX sent them {$260.00} which was paid a XXXX time. Then they contacted XXXX XXXX a company that is taking over XXXX XXXX accounts and requested {$1000.00} wind insurance which is not due until the contract runs out with XXXX on XXXX XXXX. XXXX goes ahead before the due date requesting payment and Bank of America sends them a check of {$1000.00} on XXXX XXXX, 2015. Then they added all of this supposedly escrow which was not in place for the past XXXX years and are adding it to my mortgage payment. This will surely push me over the edge when I am trying to get caught up. They already threatened me with foreclosure and have been adding on late fees and inspection fees until I get caught up. 
In summary I never applied or signed for any loan modification. Ask them to prove this and they will be unable to unless they forge my signature. They started this escrow when everything was paid. They plan to do this with my taxes next which also is paid to date. The contract with XXXX was not to start until XXXX XXXX when XXXX XXXX expired and Bank of America sent XXXX XXXX {$1000.00} in XXXX from my supposedly escrow account which I never had in XXXX years adding it to my mortgage payment when all was paid until XXXX XXXX, 2015. Bank of America has created a total mess of my account.
Loan 1 : Original Loan Amount- {$32000.00} Current Amount Due- {$68000.00} Disbursement Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 11 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 2 : Original Loan Amount- {$12000.00} Current Amount Due- {$23000.00} Disbursement Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 11 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 3 : Original Loan Amount- {$5000.00} Current Amount Due- {$8700.00} Disbursement Date :XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 11 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 4 : Original Loan Amount- {$4500.00} Current Amount Due- {$7500.00} Disbursement Date :XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 11.125 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 5 : Original Loan Amount- {$5300.00} Current Amount Due- {$10000.00} Disbursement Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 14.375 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 6 : Original Loan Amount- {$3000.00} Current Amount Due- {$4700.00} Disbursement Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 13.125 % Variable Original Provider : XXXX XXXX Current Provider : Navient ** Complaint : Multiple forbearances forced on borrower and borrower not made aware of implications pertaining to interest. Also implications of interest during in school deferments not explained to borrower. Borrower feels interest accrued is too much for original loan amounts borrowed. Original loan amounts borrowed : {$63000.00}. Current owed on all loans : {$120000.00}. Total interest accrued since repayment start date of XX/XX/XXXX : {$60000.00}. Borrower not given alternative methods of repayment to avoid deferments or forbearances.

Additionally, cosigner release requested numerous time over course of loan. Was told 12 on time payments of principal/interest needed to occur for cosigner to be released. Payments made consecutively for 26 months ( XX/XX/XXXX-XX/XX/XXXX ) prior to in school deferment and cosigner still was not released.
I had 2 bank accounts with Bank of America. I had my single account for more than 20 yrs. The 2nd one was opened jointly with and for my son in XX/XX/XXXX. In XX/XX/XXXX, my son 's bank card was lost and someone deposited checks into his account in a different state. I am now in XXXX/XXXX  for fraud. However, I did nothing fraudulent and never have with my bank account.