WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of American makes it effectively impossible for consumers to communicate with it without visiting a branch in person. Tonight, for example, I attempted to ask a question about my credit card account. BOA 's website does not allow for email or chat. Instead, consumers must call or visit a branch. 

Yet calling is a dead end. I spent 10 minutes setting up an automated call from a BOA representative to be placed " in more than 30 minutes. '' When the call came, I navigated through additional prompts and then .... it hung up on me. Moreover, I have tried to call again and have again been on hold for more than 10 minutes. If the last call suggests anything, it's that the wait on this call will also exceed exceed 30 minutes and then the call will disconnect again - creating an embarrassingly time-consuming loop. 

If BOA cared about its customers, or about providing the service it promises, it would : ( 1 ) provide ways for consumers to reach BOA without visiting a branch ; and ( 2 ) remove the false claims that it can be reached by phone ( which waste its customers ' time ).
My daughter goes to school at XXXX in XXXX, HI ; she is XXXX years old. She wanted to buy a car so I told her I would co-sign on a loan for her. I received and filed out a credit application form from Pentagon Federal Credit Union ( PENFED ). Some time later I learned from her that she had gone in to the dealer and signed the load papers and left with the car. They had not sent the promissory note to me to sign. I was, in fact, not going to sign the load until we negotiated the price down. I believe she paid about {$1500.00} to much for the car. I talked to one XXXX XXXX ( spelling? ) XXXX XXXX XXXX at PENFED and he told me he found the promissory note and he could see my daughters signature and where I was supposed to sign it was blank. I then contacted XXXX and their records indicate that I am on the loan with PENFED as sole owner of the loan. I also filled a dispute with them. Basically it seems to me that I am an owner of a loan that I did not sign for. This seems like fraud to me.
My chase bank account was left with no activity for a couple of months and that is because I 'm waiting on my school money to deposit again. I had someone wire money into my account an few days ago and went to the bank today and they told me my account was closed last XXXX with no notice at all no email or anything. I ca n't understand why they can just close your account without any notification at all.
I had been unemployed and recieving social services on and off from  XXXX  til  XXXX . Most of the time from   XXXX - XXXX .  I repeatedly talked to representittives from Navient and explained my situation, and repeatedly asked for paperwork to get this on file. After probably 2 years of dealing with this, I finally got the correct paperwork & filled it out and sent it in to be told they never received it. They also put me on a {$5.00} a month payment plan for awhile which I did pay on, and then out of the blue I was sent a bill for over {$700.00} ... when I called and inquired about the change they told me I was no longer eligible, even though nothing in my employment or life situation had changed. I have been dealing with this company for many years now and they have never once made things easy or even practical How is a person receiving government assistance suppossed to pay the outrageous payments they bill you for? My loans are now astronomical because of late fees, interest, and every other charge they can possibly add to my total. My original loans were for way less then half of what Navient now says I owe!!!
I went into a wells fargo bank branch on Friday XXXX/XXXX/16 to open another savings account. I was told there was something stopping me from doing that. After many hours of in person and phone contacts I was told that there was something stopping them from opening the account, perhaps a life lock freeze or credit bureau freeze and I needed to contact XXXX and XXXX which I did. They all said the same thing that I had a 7 year warning due to prior identity theft and I should be contacted at the correct phone number to ensure that it was me asking for credit or opening an account. I have had no luck getting wells fargo to understand this and am extremely frustrated. They seem to keep blaming me for putting a freeze on my finances that I have not done and seem incapable of fixing the problem. Ironic given that they are in so much trouble for opening accounts without peoples permission that they wo n't open the account for me.
Hi, I opened the secured credit card from Wells Fargo in XX/XX/2014. I was told at that time that by creating the history with this secured credit card which was my first credit card I would build up my history and then after I could show how good lender I am I could release my secured credit card and upgrade it to a unsecured credit card which is a normal routing credit card. At that time, I have had no history and as a international student who knows just one bank, Wells Fargo, which is located at my university I heard what they told me and open the secured credit card in XX/XX/2014 with Wells Fargo. 

Now, after almost 4 years of having this secured credit card and pay more than {$100.00} of fees to obtain the card each year my credit card has not been upgraded yet. My credit score is excellent now, I have had no late payment and I always use less than 10-30 % of  my credit line. I have credit cards from XXXX and XXXX XXXX and have more than {$15000.00} of credit line in total. I receive offers from different credit cards each week as well. I called Wells Fargo many times and went to their different branches to request for upgrading but they just decline and the only reason they sometimes provide is that I am not Citizen neither Permanent resident in US which is not supposed to be a problem since I have Social Security card and I have different credit cards from different credit card issuer. I even asked to at least pay me back the entire fees that I have paid since XX/XX/2014 which is {$120.00} and wave the fees for the future to worth for me to obtain the credit card but they did not do that as well. 

I would appreciate it if you can follow up my issue to either upgrade my credit card to unsecured or pay me back the fees. 

Thanks.
Dear, usually my payment due date is about XXXX of the month and its about {$420.00} and my principal and interest is about {$81000.00} for last four years Ive been paying It around XXXX of the month, but now It shows I owe {$82000.00} and I my minimum payment is {$0.00} and due date is XX/XX/XXXX, so I called the US Bank after 20 minuets they can not tell me why not the have clue but theyre telling me we can not get to account But It seems US bank added my payment to my balance and trying to pretend I need to not pay my payment and add more interest going forward I called them three times but Ive been asked to call later I hope is just a technical error but if not imaging how many customer out there that have same problem and Fraudulently charging you more interest by skipping a payment.
Problem 1- I have been an checking account holder in Bank of America XXXX XXXX, and when I moved to XXXX XXXX XXXX, I made my account online only for ease of use. I was using the account regularly, with last login on XXXX. In XXXX, XXXX & XXXX of XXXX, I get XXXX emails from Bofa that I have to update my account information with my latest address, which I do. Sometime in XXXX, I try to login to my account, but I am locked out. I call Bofa customer care, and to my shock, they say that my account is closed by them, money has been zeroed out and cashiers cheque is sent to my XXXX address! There was absolutely no notification of closure of the account and sending of the cashiers cheque. 
Problem 2- So I find out that the cashiers cheque was made on XXXX/XXXX/XXXX, I was informed of this after I called them and not the other way around. The cheque is void after 90 days, but reaches me after 45 days, around first week of XXXX. When I call them that I have received the cheque and request if they can just reactivate my account and put the money back in my account, they refused to do it. They suggest I should encash it in XXXX itself. 
Problem 3- I give up on BofA and go to my local bank in XXXX XXXX They process my cashiers cheque on XXXX XXXX, XXXX and send it across to Bank of America, where it has been received as of XXXX XXXX, XXXX. Yet, there is absolutely no response from Bofa on the status of my cashiers cheque. I also hear from my bank here XXXX XXXX Bank ), that there are XXXX such cases along with my cheque, with bank of America 's cashiers cheque along with the same envelope. 
So, for the last 3 or more months, bank of America has made my money disappear, without my permission, and has not even bothered do respond to my bank from XXXX, after I have gone through so much trouble! Today it is XXXX XXXX. XXXX is supposedly void XXXX XXXX, but that is beside the point. It is my money, and I have had no access to it and I do not see any signs of getting access to it either.
I RECEIVE A SUMMON TO APPEAR IN COURT ON XX/XX/XXXX FOR A CREDIT CARD DEBT.THIS COLLECTION DEBT IS THREE YEARS OLD. MY LAST ACTIVITY ON THIS CREDIT CARD WAS XX/XX/XXXX. THE DEBT WAS CHARGED OFF IN XX/XX/XXXX.XXXX XXXX  IS TRYING TO SUE FOR THIS DEBT WHICH THE STATUE OF LIMITATION IN MISSISSIPPI HAVE EXPIRED.
I have two inquiries still showing on my Equifax credit bureau from XXXX both in XX/XX/2016 and are two weeks apart from each other. I wrote to the office and called the customer service department where the person XXXX could not find my information. I requested both of these to be removed from Equifax and XXXX XXXX and it still shows. This only shows up on Equifax but there was no contact information showing on each inquiry. This was more fraud being done since it was made twice without my authorization in XX/XX/2016
I have paid on a consumer credit student loan since XXXX. My school did not accept federal or private loan disbursement of funds. This was living expense. After XXXX for over 10 years I am on XXXX XXXX. Consumer loans earmarked as student loans disbursed directly to me are not dischargable in ch. XXXX bankruptcy. ACS services my loan and ca n't make discussion in regard to discharge, and they will not provide me with the of the bank who owns the loan, who makes those decisions. THE PROMISSORY NOTE HAS BEEN LOST BY THE SERVICER AND THE OWNER OF THE LOAN. THEY HAVE PAGE XXXX AND XXXX. THE TERMS ARE LOST. THEY TELL ME THEY ARE UNDER NO OBLIGATION TO TELL ME ANYTHING. IF I STOP PAYING, I CAN HAVE CONTACT WITH THE OWNER OF THE LOAN. Federal loans are discharged in my situation. In bankruptcy this is no longer a consumer loan. The rules that apply to federal loans would benefit me, but now I found out the XX/XX/XXXX bankruptcy reform only punishes those with a consumer credit loan and does not afford those of us with the private loan the benefits afforded for a federal student loan holder. OF ALL OF THE RULES PERTAINING TO CREDIT, THIS IS THE MOST UNJUST AND INCONSISTENT. THERE IS NO PROTECTION OF THE INDIVIDUAL FROM BANKS WHO CREATE LAWS FOR THEIR BENEFIT. UPON MY DEATH I AM NOT EVEN ALLOWED TO KNOW WHAT WILL BECOME OF THIS LOAN. XXXX XXXX currently claims they hold the loan, but my SERVICER will not confirm or deny. Banks can change legal documents even after agreeing upon the terms and they do n't even have to keep a copy of the promissory note.
Was notified on XX/XX/2018 that my disputed account # XXXX XXXX XXXX XXXX XXXX XXXX with XXXX was going to be deleted from my credit report by the request of the creditor. Received a letter from creditor stating that they could not verify late payments to this account, and they sent me a snapshot of my account being paid in full with no record of late payments ever. Have sent numerous disputes to all 3 credit bureaus and to XXXX about the deletion of the account from my credit reports, but the account remains on all credit reports, and is negatively effecting my score.
Collectors Name : Portfolio Recovery Associates, LLC. 
Collectors Address : XXXX XXXX XXXX. XXXX, VA XXXX RE : Account Number XXXX After checking my credit report on or after XXXX XXXX, 2017, I noticed that PRA placed a time bared and fraudulent collection to my credit report named XXXX XXXX XXXX. 
I made several attempts by contacting PRA by phone to find out more information about the debt. During our conversation, customer service associate could not answer my questions and transferred the phone call to operation manager by telling me that he will be able to answer all my concerns. The operation manager XXXX XXXX could not answer my questions as well. I told him that this is a fraudulent transaction and requested to remove an account from the credit report or history. He replied that I need to discuss the matter with escalation team. They place me on hold for about 15 to 20 minutes and hang up the line. I do have all conversation recorded as I informed both the caseworker and supervisor. Also, I requested to stop harassing phone calls, and they refused to follow my requests. I am still 3 to 4 phone calls every day, and I saved the call logs and all the voicemails. I do not believe that I am liable to pay this debt.
I had purchased a vehicle earlier in 2016. I traded in the vehicle later in the year. The company with whom I conducted the trade with made a very big mistake with the pay out and did not put the proper VIN number to the payout check. Months had passed before the mistake was caught and all the while the company with whom I was receiving the vehicle loan was marking me for non-payment, while i was already paying on the newer vehicle. They reported my account as a delinquent account. When the mistake was finally caught and the payout became successful it was clear that the reason for the delinquent account was of no fault of my own but caused from a human error coming from the car sales company.
We are trying to short sale our home. We have an offer and have submitted it to Nationstar. Nationstar has decided that they are going to disregard the offer along conventional means and list our home on an online auction ( XXXX ). We have fought this, but seemingly lost until our agent, XXXX XXXX, informed us on XXXX that the online auction had been cancelled and we were moving forward, as usual. Nationstar countered the offer and the Sellers countered back. TODAY, XXXX XXXX stated to us that the online auction is BACK and moving foreward due to an ERROR made on the part of Nationstar. This is unacceptable. Nationstar must be held accountable for their mistakes. We are losing our home, I ( XXXX XXXX ) have XXXX ; I have to dictate this letter to my husband as I can not write it myself. My husband has XXXX. I had a XXXX and have gone through XXXX. We are not well people and Nationstar is driving us to the brink of insanity. We CAN NOT take their blatant disregard of the fact that on the other end of this short sale transaction are human beings trying to survive the best that they can. Here is the email forwarded to us today from Nationstar : Property : XXXX XXXX XXXX XXXX XXXX CA, XXXXSubject : RE : ***Counter Offer - Documents Needed ***Body : It appears the file was inadvertently assigned to me during the homesearch process, I reviewed the offer on file because the account was assigned to me. The loan was sent back to homesearch to finish the auction process. If there are no higher bids, the short sale will be assigned to a retail negotiator to submit the offer on file. 
Created By/Date : XXXX, XXXX - XXXX/XXXX/2015 XXXXXXXXNotification From : XXXXXXXXThree days prior to this email, we were forwarded this message : Property : XXXX XXXX XXXX XXXX XXXX CA, XXXXSubject : RE : XXXX - XXXX - XXXX RequirementsBody : XXXX, the short sale has been assigned to me to review/negotiate the offer submitted by you ; therefore, I believe the auction process has stopped. I will be reviewing the offer following this message. Thank you, XXXXCreated By/Date : XXXX, XXXX - XXXX/XXXX/2015 XXXXXXXXNotification From : XXXXXXXXThis is unacceptable. Both we and our agent can not even fathom how the online auction process is even legal. I am attaching to this complaint the requirements mandated by the XXXX XXXX XXXX, as Nationstar has stated that our agent must list our home back on the XXXX and direct buyers to XXXX for the online acution, or else the short sale file will be declined. To date, no one at Nationstar or XXXX has responded. The XXXX requirements were sent to both parties on XXXX. There has been XXXX response or even acknowledgment of the XXXX XXXX rules to list auctions on the XXXX. We can not see how Nationstar or XXXX are in compliance with any XXXX or the California Department XXXX XXXX XXXX. We were under the impression that a residential purchase contract was a binding XXXX. Nationstar 's ineptness to do their duties should not mandate our lives in such a negative manner. This was their mistake. They need to adhere to what they told us and see this short sale through with the offer submitted.
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Todays date : XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XX/XX/XXXXc-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ONE ADVANTAGE LLC account numbers are XXXX, XXXX, XXXX and all account pertaining to my social. 
I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX Court for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXXXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
I was told my interest rates would be low and I wasn't told about a Principal and I was told with each electronic payment from my bank account the payment would be subtracted from the amount I owe. I requested for a {$10000.00} loan but all I received was {$9400.00} and they started billing me for {$10000.00}. Every month since it was started they take out {$390.00} from my bank account. I went online to check my balance and it had not went down but up. I called to ask what was going on and the person I spoke to could not tell me why and he also could not tell me why I did not receive the whole amount I had initially asked for, but they are having me to pay for {$10000.00} loan. I have paid three times on this loan of {$390.00} and the next payment is XX/XX/2018 that they will be taking out of my bank account. I was lied to and they are just draining me out of my money at this point what they are doing I will never be able to pay off this loan. I am so tired of getting the run around. Car note loans, Students etc never raise the balance after you pay on them but this company is not fair taking my money and continuing to raise the balance. It was suppose to be a fixed rate of 4.99 %
I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax & XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax & XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine.
in XX/XX/XXXX I co-signed a loan for my step-daughter to buy a double wide modular home, she paid her mortgage for XXXX years until her husband did not pay their school taxes for a few years, the county of XXXX pa., sold the home for {$1500.00} for the taxes. no one notified me of any of this until much later. greentree finance was notified even befor the house was sold yet did not let me know. since the taxes were in XXXX name and not mine I do not feel I should be responsible for the loan especially since greentree finance demands that I pay for insurance on the house yet tells me forget the house I still have to pay for the loan. the building is worth more than the loan and I told greentree that I would gladly sign the title over to them since they should have a lien to be able to collect from the new owner. XXXX in a XXXX in XX/XX/XXXX. greentree has a collection notice on my credit report showing XXXX dollars do but still calls me to pay
A place called Windham Professionals keeps calling my number, and asking for someone who apparently has had my number in the past. They are leaving some very bile messages and I have repeatedly told them, the person they are looking for no longer has this number. Their number is XXXX.
I cash a loan check that I received in the mail. I lost my job & did not make a payment on the loan. My daughter deposited her federal income tax & state tax check into my account. The finance company from which the check was from won a garnishment on my account & withdrawl the money from my account which was my daughter 's money. What r her rights?