WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX and XXXX I began making extra payments on the my loan with Wells Fargo to get ahead of my balance. This resulted in my payment due dates being pushed forward-so at XXXX point I did n't have a payment due for 1 year out. I made a decision in late XXXX to utilize that feature of the pushed forward payment date because I needed the extra cash. It was not a forbearance or income continent loan. My statement indicated that I did n't owe a payment for close to a year and I did n't make the payment. I understood interest would accrue. However, at no point via my statement or a separate letter did Wells Fargo inform me that when I resumed payments they would only applied to the interest accrued during the timeframe. Also they did n't notify me of the amount accrued during the time and how long it would take to pay it off. It was n't until XXXX XXXX that I started to realize my balance was n't decreasing at all. I was set up for auto payments and saw several adjustments include XXXX reductions for my monthly payments. It was messaged to me that the reductions were to ensure I stayed on track towards the end term date. When you are on auto payment, you do n't have a choice to not have your payments adjusted they do it based on the monthly re-amortization. Now, I have two years of accrued interest that must be paid and I am still accruing interest while i '' m paying that off. They informed me that I likely would have a balloon payment at the end of my loan term to account for the additional time to pay off this accrued interest. There was a complete lack of transparency regarding this process, the impact of my decisions and my ability as a consumer to make an informed decision. If I did n't call and ask all of these questions, I still would n't know what was happening. They shared that they no longer have this practice but I had been grandfathered in. Lucky me! Wells Fargo went out of their way to provide just the bare minimum of information via statements and their website without any concern about the impact to the consumer.
I purchased a car from XXXX XXXX on XX/XX/2017. I asked to finance through the dealer 's bank 's. They gave me the names of three lenders and rates. I chose XXXX XXXX XXXX and was subsequently approved and currently have a loan through them. My credit reports shows 6 ( six ) hard inquiries that day and they are all associated with an auto finance purchase. This high number of inquires is negatively impacting my credit score. After doing some research, I found out that dealers will search out lenders who will give them " deals '' on customer financing involving kickbacks or rebates for bringing them borrowers. Now I understand why they went to 6 lenders when we only spoke of 3 and I chose the one which I wanted at the outset - it was so they could offer me as a borrower to their partners to see what type of deal they could get back for me. Meanwhile the 6 credit inquires on my report damage my credit history. I have all my paperwork and do not have any item/paper with my signature that authorized them to contact so many prospective lenders.
We have a Citi credit card that is affiliated with the XXXX program. Earlier this year, Citi asked us to upgrade to a new level of card and, at that time, said that using the card XXXX would not subject us to XXXX transaction fees. However, we received an e-mail message from Citi today, where they said that communication regarding no XXXX transaction fees was in error. I have a trip to XXXX planned for XXXX, 2015 and had planned on using this card on that trip for the very reason that I would not be charged XXXX transaction fees. I called Citi today XXXX XXXX XXXX ) and spoke with a customer service rep who said the only way I could continue to get no XXXX transaction fees on this card was to further upgrade to a card with a {$450.00} annual fee. Given what they told me when they asked me to update to my current card, Citi should honor that statement that I would not be charged XXXX transaction fees, particularly because I relied upon it in deciding to stay with this card rather than switching to a different card.
I received a letter from what I assume is a debt collector trying to collect on a XXXX account that has a negative balance, personally I ca n't even understand how a XXXX account could have a negative balance, but more importantly I do n't have a XXXX account and I want this collection to cease and it better not appear on my credit report. I am as well submitting this complaint to the XXXX Attorney General 's Office. I have attached a copy of the letter that was sent to me.
Three weeks ago I requested SunTrust Bank to close my checking account .they said it could not be closed then they proceeded to charge me {$3.00} and now claim they can't close it because I owe them {$3.00} they also threatened to charge more fees after XX/XX/XXXX .I have sent doesn't of emails and several phone calls they refused to cooperate
I have had a Target Visa Red Card since XX/XX/XXXX.I never had a late payment and by XX/XX/XXXX I had a credit limit of {$5000.00} with a cash limitof {$2100.00}. In the beginning of XX/XX/XXXX Target lowered my credit limit to {$3500.00} and cash limit to {$0.00} with no warning, no letter, and no explanation. I called, the first rep was not helpful, saying they always send a letter, did not want to give me a supervisor or credit ananlyst, saying they would say the same things he did. I finally got transferred to a supervisor.She could give me no reason for the decrease, and she saw there had been no letter sent with notification or explanation. She noted I had recently updated my income. After lookin over my history she told me she could not reinstate the limit manually but it would be reinstated in the upcoming review. She indicated the review was soon. As of today XX/XX/XXXX my limit has not been reinstated. This is not the first time I 've had a credit supervisor in a company not keep their word about approvals, imcreases, etc. I did nothing to cause the decrease and was given no explanation or a letter before or after.
My hardship began with unemployment starting in XX/XX/XXXX through XX/XX/XXXX. I became employed at my current employer XX/XX/XXXX and worked with my lender to complete a modification as I was unable to pay the amount due at the end of my unemployment deferral/forbearance. Things were going ok as I was attempting to get caught up on my other debts that I fell behind on during unemployment. XX/XX/XXXX I had unexpected vehicle repairs at a cost of {$900.00} then during the winter months my electricity bill sky rocketed to $ XXXX- {$400.00}. I have lived at my home for 6 years and the most my electric bill has been during the winter was {$250.00}. I was able to make some payments and sent 2 payments in the amount of {$1100.00}. I was advised the payments would be sent back to me and I would need one additional payment. I made contact to see when the payments would be sent back, as I was going to add the additional payment that was stated to be needed to it. I was advised that the money orders were sent back XX/XX/XXXX ( Saturday ) and was emailed a copy of the money orders and the letter attached with them. However, I never received my payments, nor the letter that was emailed showing them being sent back on XX/XX/XXXX. I called again and advised I had still not received my payments ; this was around XX/XX/XXXX. I was advised at this time that I would have to produce 2 payments instead of the 1 I was previously told no later than XX/XX/XXXX. I advised the agent that I could do that contingent upon receiving my 2 payments and I had a payday on XX/XX/XXXX. The agent advised that it needed to be submitted by XX/XX/XXXX. Foreclosure began on XX/XX/XXXX. 
I sought assistance from the NC XXXX and was denied. I continued to work with my lender and advised I still had not received my money order or the notice that stated were sent XXXX. I consulted with my bank to see if the money orders had been cashed. They advised no, but I would have to wait 90 days from the date I purchased the money orders before I could submit a refund request. The money orders where purchased XX/XX/XXXX, so I was unable to complete a request until XX/XX/XXXX and by that time my account was at 9 months past due and I was unable to make the full amount due or qualify for a repayment plan. I am currently seeking other employment, but no luck just yet.
Somebody with the same name as mine but a different SS # & different Date of birth applied for a credit card from Kohl 's. For some reason, Kohl 's opened the account under my SS # & DOB. I noticed this when I received some mails from Kohl 's. I immediately contacted Kohl 's & requested them to close the account. I followed up a month later & they assured me the account was closed. However, one year later ( About XX/XX/2016 ) I received a notice of privacy practice from Kohl 's & also it came up while applying for a mortgage loan that I have an open account with Kohl 's. 
I come to find out that Kohl 's did not close the account as they indicated one year earlier. I contacted them again & it became a running battle for them to close the account they had illegally opened under my SS #. At this point, my credit was negatively impacted & I got less favourable mortgage terms than I would otherwise have gotten. I believe Kohl 's owes me some compensation for the harm they did to my credit & the grief they caused me.
Bank of America placed a fraud on my account with XXXX and has yet to show hard core evidence that it was me who placed bad checks into the ATM. I have repeatedly asked them to review ATM video footage and to review whose signatures were on the endorsed checks and still nothing has happen. I even wrote the XXXX and XXXX of Bank of America and I thought it was resolved, but now nobody is responding to my letters, my requests, or my complaints. And still, I am unable to open up an account with any other bank until that has dropped off XXXX or Bank of America remove the fraud status. I even requested Bank of America to allow me to reopen an account with them, but restrict ATM deposits because I earnestly need a personal checking and savings account. I am writing because I feel like Bank of America feel that their size and status as a bank entitle them to report and to harm the lower class people because we can not afford to retain attorneys to argue for us. I hope this agency will not allow Bank of America to treat me like I am nothing and to hold them accountable for their injustice.
I received a payday loan from cash central. When the company tried to debit my checking account, I did n't have the funds deposited and it went back as NSF. I got an email from cash central asking me to schedule a day for the original amount ( {$230.00} ) plus a fee for the NSF bringing the total to {$270.00}. I arranged payment XXXX/XXXX/2016 for a payment on XXXX/XXXX/2016. Cash central instead pulled {$270.00} from my checking account on XXXX/XXXX/2016. The payment cleared because I had the funds to cover it. The company then again withdrew {$270.00} on XXXX/XXXX/16. When I sent screenshots of my bank account showing XXXX payment as cleared and XXXX as pending and a phone number to my bank ( XXXX bank who said that cash central could call to stop the pending transaction ), cash central refused and said I would have to send them proof once the second payment had cleared for {$270.00}. A customer service representative also told me on the phone that the company had no way of telling if the loan had been paid or not and I would need to prove both payments. All my correspondence happened with cash central on XXXX/XXXX/16. 
I am going to XXXX today to get a print out with their requirements to prove cash central took this payment twice but I do n't feel like I should have to prove that this company has stolen {$270.00} of my money. Their accounting is flawed or they simply want to steal people 's money b
XX/XX/2015 I changed phone service provider/carrier & service was terminated from this previous service carrier/provider. 
XX/XX/2015 This debt collection suddendly appeared on my credit report ( fictitious service for XX/XX/2015 ) without any contact or notification whatsoever from the company or debt collector at all of owing this debt..
I was working with Navy Federal Credit Union over three months to secure a refinance on my primary residence. There were many delays in the process on the part of Navy Federal CU to the point that my rate lock expired and was told I could only get a 4.125 % interest rate with XXXX points instead of the XXXX with XXXX points originally agreed on. It was not communicated that the rate had gone up until over a week after it had occurred and multi months into the process. At certain points I had to call three times over several days to get a response. Other times the only way I could get someone was to have the Navy Federal operator actually go get the processor. 

This is the timeline based on my documents and emails : XXXX - I received the initial Loan documents after applying online XXXX - I reviewed documents XXXX - I faxed Requested Documents XXXX - I emailed to see that the fax arrived ( no response ) XXXX - I received new documents for me to review note : Navy Federal spent 2 weeks beginning XXXX XXXX to review documents before ordering an appraisal XXXX - Appraisal ordered XXXX - Appraisal Completed note : Navy Federal spent 2 weeks to review appraisal and additional documents XXXX - I received email indicating that the processor reviewed the file and missing documents were needed ( Rental agreement, XXXX form ( missed checkbox on form ), HOA information ) XXXX - I faxed the requested documents XXXX - Processor sent files to review ( she believed complete ) XXXX - Back from review ( extra documents needed ) - NFCU increased funds required to close and requested documentation of Trust ( note : this is a standard revocable trust ) XXXX - I faxed the requested Documents XXXX - Processor indicated documents were being reviewed XXXX - I emailed about rate extension since it expires on the XXXX ( no response ) XXXX - I emailed about status ( no response ) XXXX - I emailed about status again XXXX - Processor response to my email : trust information still being reviewed XXXX - I emailed about Rate extension ( no response ) XXXX - I emailed about status ( no response ) note : Navy Federal Spent 27 days reviewing documents since submitting the additional information that they requested XXXX - NFCU emailed saying trust is cleared to close and received updated payoff, file sent to review for close, I received a new document to review ( no mention that the rate was increased but in actuality it had been ) XXXX - I emailed the processor about closing as I had not heard anything, received reply that close can occur on XXXX XXXX XXXX - I asked if we got rate extension, received reply that extension completed at current market rate ( this is the first time I was informed that the rate had increased ) At this point, I asked Navy Federal to give me the originally agreed interest rate ( 3.625 ) since the multiple delays were due to NFCU. They said they would not honor the original rate.
I recently came across an article on the XXXX regarding Bank Of America being fined over XXXX XXXX dollars for their identity theft scam. I have been a member of the privacy assist owned by BOA since XX/XX/XXXX so I called them to see if I am eligible for this refund. When I spoke to XXXX of their representative XXXX she transferred me to a guy rep who can help me with the refund. After going over some questions he told me that he ca n't find my account and told me that only members from the year XX/XX/XXXX-XX/XX/XXXX are eligible for refund. I could'nt tell when I started exactly on my membership so he directed me back to the previous rep to find out. Privacy assist told me that I 've been a member since XX/XX/XXXX making me eligible for the refund so then I asked the rep why they could n't find my account information. The rep then told me to call BOA directly which surprised me because all along I thought I was talking to BOA. So I did that I called the customer service for BOA and what they did was transferred me back to Privacy Assist. I was passed on from one rep to another with no answers to my questions. I need your help to get fair justice from this corporation.
The mortgage service company refuses to reduce my monthly payments or interest amount due even though I have made extra payments to pay down principal. My outstanding principal on XXXX XXXX, 2005 was approximately {$360000.00}. I made {$25000.00} worth of principal payments on XXXX XXXX, 2005 and another {$1000.00} in principal payments on XXXX XXXX, 2005, but they refuse to recalculate the monthly amount due and have continued to charge interest on the principal amount of {$360000.00}. 

They claim that they will make XXXX only adjustment to monthly payment amounts per year and will require notarized documents in order to do so. Furthermore, if I want to make additional payments against principal, I need to do it before the XXXX of the current month in order to go into effect XXXX days later. 

These are ridiculously deceptive practices. If I pay down the principal of my loan, they should not continue to charge me interest on the previous amount. Furthermore, they should not have to make me jump through hoops such as notarized documents in order to pay down a loan, nor should they hold on to my money for 45 days and still charge me interest on the principal.
I've signed up for XXXX XXXX and get alerts when my credit report changes. I received an alert on XX/XX/XXXX that a new debt had been added to my report from XXXX XXXX XXXX. Today is Friday, XX/XX/XXXX and I have yet to receive any notices from them including what the debt is in reference to, an account number, balance owed, payment instructions or even how to dispute it.
A debt collector is attempting to collect XXXX dollars in association with the City and County of XXXX XXXX XXXX. The letter offers the reason being my failure to file a " Declaration of Closed Business '' form. This debt letter was issued to me on XXXX XXXX, 2016, ten years after having XXXX and XXXX years after having operated XXXX XXXX XXXX XXXX XXXX, a XXXX XXXX. A declaration of closed business form was not filed for either business as I was unaware that it was a mandatory action. An email communication was submitted to XXXX on XXXX XXXX, 2016 asking about the claim a response was provided. ( reference number XXXX ) Upon speaking with a representative for Linebarger Goggan Blair and Sampson, LLP and after having submitted a request for validity of this claim in writing to their firm on XXXX XXXX, 2016 with no reply it was announced that the request was 1 ) not yet received and 2 ) the request was forwarded to the city and county of XXXX XXXX. Today contact was made to XXXX via cell phone, ( reference number XXXX ) asking about this claim and needing to know how to obtain the business account number in question so to complete the Declaration of Closed Business Form for submittal to the city and county of XXXX XXXX. The woman speaking exclaimed that she did not have the information of the business in question and so I provided her with the information mentioned at the start of this letter regarding my business involvement in XXXX XXXX from XXXX. It would be good to know how to obtain the information for form completion and weather or not this is a valid claim. Thank You.
I was never sent any bills, but a medical debt from 2011 for {$930.00} is on my credit report. I was XXXX years old in 2011 and on medical assistance for mental health issues. 

I asked the collections agency, Interstate Credit & Collections Agency to send me proof of financial obligation. They refused unless I gave them my financial information. I would like it removed from my credit report. They wo n't even tell me what it is for and I am not even sure it is real. I was denied private loan for college and a credit card. I was humiliated.
On XX/XX/2016 I paid XXXX XXXX XXXX  the full balance that XXXX XXXX was having them collect. XXXX XXXX XXXX removes themselves from my credit report but XXXX XXXX is still reporting. Ive had this account on my credit report for almost 8 years now. I contacted corporate office of XXXX XXXX and they told me that since I didnt pay them directly, they were keeping the debt showing on my credit report. Its not even reporting as paid. Its repirting as a charge off which is correct/incorrect because I paid it.
XXXX NAVIENT ACCT # XXXX Exactly what you found with XXXX/ Navient in the press release happened to me. I was recommended to refinance in XX/XX/XXXX and XX/XX/XXXX, which I did. Also, with economic hardship, I was unable to make full payments, so the representative directed me which form I needed to fill out and submit so my loan would not go into default. I was told to pay what I am able to. There were no options given, just " this is what you need to do. '' and I follow their instructions. My XXXX XXXX School Loans were disbursed from XX/XX/XXXX-XX/XX/XXXX for XXXX totaling {$160000.00}. 
{$230000.00} TOTAL payments XX/XX/XXXX-XX/XX/XXXX ( current date ) {$200000.00} is my current balance. Mind boggling!
Called XXXX XXXX to settle the debt of {$380.00} ( toward deductible ) from  XX/XX/XXXX, but they wont talk to us because the lady said she gave it to XXXX XXXX. Served a Civil Warrant to go to court in 6 days even though the notice was dated back for XX/XX/XXXX. Husband called court house to push court date to XXXX. XXXXXXXX XXXX lawyer wants to charge us $ 700+ ( Attorney fee, court fee, processor fee ) which includes court costs that didnt happen. 
They said we have to pay the full amount before the court if we want them to drop the judgement. 

They said if I dont pay they will file a judgement against me. Can they get away with doubling our debt? I am the only one working and supporting a family.
My mortgage is in the process of being transferred from XXXX XXXX to Mr Cooper ( aka Nationstar Mortgage LLC ) effective today (XX/XX/XXXX ). This morning I received an unencrypted ( non-secure ) " welcome '' e-mail from Mr Cooper ( mailto : XXXXXXXXXXXX ). Unfortunately, too much information was included in the body of the e-mail, including name, property address, complete XXXX account number, complete Mr Cooper account number, current loan terms ( interest rate, payment due date, payment amount ), etc., which created a huge security and privacy breach. The customer service supervisor that I spoke to insisted that this was completely within approved protocol -- furthermore, it is Mr Cooper 's  normal business practice to send out this e-mail to all new customers. Apparently, Mr Cooper will compromise personal financial information for nearly 800,000 former XXXX customers during this transition -- in other words, they are creating a miniature XXXX-like data brach. This is TOTALLY UNACCEPTABLE in this age of multiple breaches of PII!
Midland Funding LLC started attempting to collect a debt in 2014. They claim I owed them {$1200.00}. They are reporting this on my account plus adding interest they have also stated they will be levying my bank. I have never had an account wit this company. I called Midland Funding 4 times in the three months to attempt rectify the situation to no avail. Every time I call them they are saying that their court officer, XXXX XXXX is handling the case and they have n't been able to contact him. I have not been able to contact him either and I 've tried calling several times. His account is having a very negative impact on my credit. It prevented me from obtaining a home mortgage and I 've called them and explained to them that I needed to take care of this account.