WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I became unemployed. At that time I called One Main/Spring Leaf, the local office ( XXXX & XXXX ) to inform them of the unemployed status. I explained to them I would not be able to make the monthly payment due to my current status. At that time I gave the local office my unemployment papers I asked them if I could get on a hardship program, have my monthly payments reduced, apply for a out-of-work program plan, or have my account put on hold until my change of status. With no prevail, I was not able to come to any common ground with the local office. They were no help and XXXX was very rude! I then asked for the Executive Office at One Main/Spring Leaf,  which I spoke to on many occasion going forward. The EO explained, in order to provide Any assistance they would have to run a Hard credit report, which I did not agree and could not understand the logic behind that process. Since then, the policy/process has changed and now they have to run a Soft credit report, per the EO, to provide Any assistance. Again, I did not agree and could not understand the logic behind That process. XXXX at the EO spoke with the Legal, and yet, they still could not provide a logical reason behind running ANY credit report on a consumer when Not offering any, and ( or ) more money, or issuing further credit. I explained them, yet again, I am Unemployed with no other income, and Such Status should override any credit report, regardless what is listed. Which does not matter when a person is Unemployed. As of to date ( XX/XX/XXXX ), One Main/Spring Leaf EO has not provided a logical explanation of why they choose to ruin a consumer 's credit by running unnecessary reports, which does not apply to MY current situation, or one thereof. One Main/Spring Leaf has since add multiple fees ( late charges etc. ) to my account which also Do Not Help my situation. Unfortunately, I have gotten No Where with either office, and have been Desperately been trying to communicate, discuss, and ( or ) resolve my serious issue since XX/XX/XXXX. Bottom line, One Main/Spring Leaf has no intentions on helping me or their consumer that faces unemployment situations. Their lending process is not conducive to special types of situations, and that information should be provided, prior to signing a contract or applying and receiving loans, to a consumer.
On XX/XX/XXXX my husband, a XXXX XXXX dressed in uniform went to deposit XXXX in cash into my bank account to pay our Mortgage. We did not deposit a personnel check because we knew it would be a hold on the check and we needed to call our Mortgage company with payment. However with no notice completely by surprise he was told he could not make a cash deposit of any amount into my account. I would need to come to bank to make the deposit. When I arrived I was told the same thing by Manager. At this time my husband was called so he had to go. I ask the Manager and Service Representative for a copy of policy. They told me it went in effect in XX/XX/XXXX and I should have asked about deposits when I opened my in XX/XX/XXXX I informed them that I was was told about other products and monthly balance fees but this was not disclosed. I told them if I had known about this policy I would not have opened an account with Bank of America.I was than told they would call the police because I recorded the conversation because I wanted to get this on record from the Manager. I had just purchased checks from this bank on XX/XX/XXXX. If I could get them refunded I would close my account but since my mortgage was due and I needed to stop direct deposit I kept account open. However I told other Bank of America account holders about this policy and they are going to close there accounts because they are not aware of the new policy. I will also contact the news outlet so this information can be disclose to other consumers.
I never received any medical bill and would like to know why I was never sent a bill and what it is about.
I applied and received a discharge on all of my student loans but this one. They refuse to talk to me and now they are having {$200.00} taken from my XXXX XXXX every month! 
I ca n't afford to move because of this.
On XXXX XXXX, XXXX I was notified by Experian that my credit score had dropped significantly. When I checked into this, I found that a credit union which I settled with in court re-reported my account as 2 years past due. After seeing this, I contacted Experian to dispute this report. 
In XXXX, I took out a personal loan through my credit union. Towards the end of XXXX I ran into financial difficulty and could not afford to pay my debt back. In XXXX, my credit union reported my derogatory status and closed the account on my credit report. That same year they filed a judgement against me, which I ended up satisfying in XXXX. I have court documents stating this settlement. Now it 's XXXX and this credit union is just reporting that they charged off the account and are showing non payment for XXXX - XXXX. Because of this it has dropped my credit score XXXX points. Can you help in with this incorrect credit reporting? 
Regards!
Portfolio Recovery Associates, LLC sent me a letter stating that I owed them {$5300.00}. I do not have any credit relationship with these individuals or company and would like to have them refrain from contacting me. The letter they sent was dated XX/XX/2018. 

I also received a letter from the same Portfolio Recovery Associates, LLC dated XX/XX/2018. In this letter the company stated that I owed them {$1800.00}. I do not have any credit relationship with these individuals or company and would like to have them refrain from contacting me.
I am being charged an APR of 29.65 % The advertised rate on the Capital One website shows 23.24 %. I have contacted Capital One several times and no resolution or adjustments have been made. This is total false advertising and I am entitled to a refund of the discrepancy amount from the first day that I noticed this huge error.
I received a bill from Americollect on XXXX XXXX, XXXX for {$50.00} for services by XXXX XXXX of Nevada. The issue with this bill is that my insurance provider at the time, Nevada XXXX XXXX, is in Receivership. Had my insurance provider not been in Receivership I would have had a zero co-pay for radiology services. This was communicated to XXXX XXXX of Nevada and they are well aware that under the Permanent Receivership, " The XXXX will focus initial efforts on two parallel goals : ( 1 ) avoiding disruption in the delivery of health care to the Enrollees for the period that they are entitled to receive such care from XXXX XXXX ending no later than XXXX XXXX, XXXX XXXX, and ( 2 ) maximizing payment to Providers and creditors for services rendered initially during the receivership period ( which commenced on XXXX XXXX, XXXX ) and thereafter for amounts owed for services rendered before that date. 

IT IS IMPERATIVE THAT YOU CONTINUE PROVIDING HEALTH CARE SERVICES TO ENROLLEES ON THE SAME BASIS AS BEFORE, WITHOUT CHARGING ADDITIONAL AMOUNTS OR REJECTING REQUESTS FOR APPOINTMENTS OR HEALTH CARE SERVICES. 

Specifically, the Permanent Receivership Order provides at pages XXXX and XXXX : All providers of health care services, including but not limited to physicians hospitals, other licensed medical practitioners, patient care facilities, diagnostic and therapeutic facilities, pharmaceutical companies or managers, and any other entity which has provided or agreed to provide health care services to members or enrollees of XXXX directly or indirectly, pursuant to any contract, agreement or arrangement to do so directly with XXXX or with any other organization that had entered into a contract, agreement, or arrangement for that purpose with XXXX are hereby permanently enjoined and restrained from : Seeking payment from any such member or enrollee for amount owed by XXXX ; Interrupting or discontinuing the delivery of health care services to such members or enrollees during the period for which they have paid ( or because of a grace period have the right to pay ) the required premium to XXXX except as authorized by the Receiver or as expressly provided in any such contract or agreement with XXXX that does not violate applicable law ; Seeking additional or unauthorized payment from such XXXX members or enrollees for health care services required to be provided by such agreements, arrangements, or contracts beyond the payments authorized by the agreements, arrangements, or contracts to be collected from such members or enrollees ; and Interfering in any manner with the efforts of the Receiver to assure that XXXX members and enrollees in good standing receive the health care services to which they are contractually entitled. '' Thus, as Ordered in the Permanent Receivership, it is unlawful to attempt to collect ANY amount owed by the XXXX
I was in the hospital in XXXX of 2015 I XXXX, I was taken to XXXX hospital in XXXX, Calif and XXXX to the XXXX in XXXX, XXXX where there I was in a XXXX for three weeks. I am a XXXX patient and they have paid all of my bills and pre approved my stay. I received a bill from Healthcare Revenue Recovery group. Stating that I owe XXXX and if I do not pay it in 30 days they are going to file a judgment against me. I have called them at first they were not going to give me the creditor information, I have called all XXXX hospitals and physicians and all have said I have a XXXX balance. I do n't know what this is but a scam, and now they have my information please help me.
On XX/XX/XXXX I was unable to access my American Express Serve account. When I attempted logged in to app, I had message with XXXX number to call becauae account was frozen. I called answered all security validation questions and was transfered again. Repeated process and was told my account was permenantly froze and I wouldnt receive ANY OF MY {$3000.00} THAT WAS MY MONEY ALL LEGITIMATE!!!!!! They have never sent single email or phone call! No explanation besides user agreement 15d ... .. Which is vague piece of trash basically saying They can CRIPPLE your family and steal your hard earned money for any reason they want! its been a month and no word! I was told by one of the multiple " supervisors '' I spoke with that I would hear from them after 10 day investigation! I was told all MY MONEY would be returned to funding source!!!!! What about my cash reloads from all around Texas???? Hpw Will I be refunded! This is an outrage and I 've been relentlessly seeking justice and exposing this " business ''! I 've found multiple othet victims of American Express Serve and am in contact with them. I have XXXX small children and this has caused more p4problems than you can imagine! My money was stolen and I need help please!
I took out a HELOC loan against my primary residence in addition to the mortgage that was already in place. After going through some financial difficulties, I called the lender to have the loan adjusted. Instead of adjusting the loan to reflect the current value of the property, the lender took 6 months and added over $ 6K in fees with no rhyme or reason. After listing the property for sale, I contacted the lender again to request a short sale. The lender buried me with paperwork saying that this was part of the process. After completing the paperwork numerous times, I received no response. Every week I would get a letter asking me to call a number with an assigned acct. rep. Every week the name of the rep would be different. I was able to sell the house, but the lender almost screwed up the deal as they refused to send the appropriate payoff paperwork to the attorney and the title company. In addition to that, they tacked on another $ XXXX for " miscellaneous fees '' to process the paperwork request. After the completion of the sales, I lost more than $ 7K to the lender for simply asking for a short sale and/or a loan modification. Nothing was done. No solution was found, fees were simply added to my payoff and the amount I received was $ XXXX less because the lender would not accept the actual amount due. I 've contacted the lender XXXX times with no resolution and no one able to explain to me what the fees were for, why they were charged or how they were justifying a $ XXXX fee. The lender was JP Morgan Chase NA. After the last call, the lender rep told me that I 've called too many times and they were putting me on the do not respond list. In other words, every time I would call and verify my account, a message would go on saying that they refused to tal kto me and if I had any questions I should send an email to their general mailbox : XXXXXXXXXXXX or something along those lines. Meanwhile, the lender kept sending me letters saying how they wanted to work with me. They also kept sending me offers to refinance my mortgage and HELOC. They even sent an appraiser, unsolicited and unwarranted to inspect my property. When the appraiser showed up, he wanted access to the house. When I refused he told me that he would go back to Chase and start eviction proceedings. When I asked why, he said that if he did not get access, it meant that I was not paying my mortgage. When I explained to him that not a single payment was late in the last 3 years, he said that its not his problem and that this is a standard process. After the closing, when the loan was finally paid off, someone from Chase called me to ask me if I 'd ever do business with them again and that they had great programs for the new property I purchase. He said all I would have to do is fill out a credit app over the phone. When I asked for his name and department, he hung up. When I called their privacy team to add my name to the " do not contact list '' they refused and told me to simply disregard the offers they were sending if I was not interested.
Applied for loan with  XXXX  and was denied due to the following reason : Unable to verify personal information or identity.   
The credit reporting agency is LexisNexis Risk Solution Bureau Consumer Inquiry D  epartment  XXXX .  XXXX   XXXX   XXXX , GA  XXXX  Toll free number  XXXX  I have never heard of this agency and can not get my report because they can not verify my identity. I do n't know where they get their information from but how do I get this corrected? I ca n't verify it is me according to them to fix the information that I am denied for. When I enter my ss to request report the recording tells me it is incorrect.
To Whom It May Concern : My name is XXXX XXXX XXXX. I hope this e-mail finds you doing well and enjoying the summer. 
I am a voting resident of XXXX XXXX and am writing to request you assistance with an issue regarding Franklin American Mortgage. I paid off my home on XXXX XXXX, 2016. I was told that under the law, the lender has 30 days to refund the monies from the escrow - in this case, an amount of {$6400.00}. I was told by my lender, Franklin American Mortgage, that they have released these funds on XXXX XXXX. I was also told they released them but they had yet to be mailed nor received by me. As of XXXX XXXX, I still have not received escrow refund and it is now well past the 30 days during which the lender is supposed to refund the money. I have called Franklin American Mortgage no fewer than five times and each time I get a different answer as regards their escrow release process. I am also concerned that they are using US mail and not FedEx or a a return receipt so if a large check gets lost, they can say its not their problem and hold onto my money longer. My concern is that if Franklin American Mortgage is doing this to me, they are doing it to other homeowners as well. I have asked them to please wire the money or FedEx a check ; their representatives tell me that they are unable to do so. Can you kindly provide assistance? 
My loan account number with Franklin American Mortgage is # XXXX ; my property address is XXXX XXXX, XXXX, TX, XXXX Regards XXXX
Ocwen Loan Servicing , LLC requested proof of insurance in XXXX XXXX and it was Faxed to them. It was also verified that they received it. They made another request saying they did not have it in XXXX XXXX. It was again Faxed on the XXXX of XXXX XXXX and the confirmation faxed number is XXXX and XXXX at Ocwen Loan Servicing verified that they had received it. Then on XXXX XXXX, XXXX received another letter saying I needed to send proof. I then contacted the XXXX XXXX XXXX XXXX and they sent verification to Ocwen Loan Servicing on XXXX XXXX. Inspite of all these verifications Ocwen Loan Servicing put additional insurance on my condominium and charged me and additional {$180.00} dollars a month since XXXX XXXX. Their policy cost {$670.00} dollars which I have paid and they are still collecting {$180.00} dolllars monthy above the mortgage payment. I was advised by my attorney to contact you
I am currently in the process of trying to avoid a foreclosure by selling my home. I did n't want to sell my home but Fay Servicing would not approve me for a modification. After 6 months of a loan modification review I put my home on the market to avoid a foreclosure. Fay servicing in not giving enough time to go through the transaction process. They have refused to stop my sale date while I was in the middle of getting the sale through the escrow process. We have a serious buyer who want to purchase the home. This is not a short sale, and Fay will be paid in full plus the foreclosure fees. I am a Veteran and now have to go to legal services to file a bankruptcy to stop the sale date.
XXXX certified letters within a XXXX day period to Amsher Collection Services XXXX Inc. has failed to provide the following requested information to validate alleged debts:XXXX Signed credit applications between myself and the original creditorXXXX. Copies of all signed vouchers from the date accounts opened until defaultXXXX. Copies of all statements from the date accounts opened until defaultXXXX. Proof of the statue of limitationsXXXX. Proof of agreements that they were hired by the original creditor ( creditor as defined by the FDCPA ) orXXXX. A copy of the contracts Amsher Collection Services XXXX Inc. purchased the alleged debtsXXXX. If the alleged debts were purchased, provide a copy of agreements between Amsher Collection Services XXXX Inc. and myself, signed by me, stating that I have a contractual responsibility to Amsher Collection Services XXXX Inc. for the alleged debtsXXXX.Provide proof that Amsher Collection Services XXXX Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claims are now considered invalid and all collection efforts must be stopped and the accounts must be deleted from Amsher Collection Services XXXX Inc. Amsher Collection Services XXXX Inc. can not validate their claims, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting debts to the credit reporting agencies that can not be validated is a violation of the FCRA XXXX Fair Credit Reporting Act XXXX, and carries a {$2500.00} fine. Please advise Amsher Collection Services XXXX Inc. of their infractions and that the alleged debts must be removed from their account immediately, and they also must be removed from all credit reporting agencies.Thank you.
I 'm a co-signer on a private loan with Navient. Recently, the borrower, myself and the servicer have made arrangements to consistently pay the loan with automatic debit payments every month. Even though the payments have been received, the online account continues to show payment delinquency & late fees. This causes multiple phone calls to the borrower as well as myself, the co-signer every month. I 'm tired of the continuous communication with the loan department even though we 've reconciled the account numerous times. It is bordering on harassment at this point because Navient can not get their technological affairs in order.
I fell behind on my mortgage XX/XX/XXXX as a result of a significant piece of my income being removed. In XXXX XXXX XXXX started foreclosure procedures against me and at that time, I filled out the paperwork for a loan modification. I sent the hardship letter and all documents they requested. They approved the loan modification on a trial basis. I had to make XXXX payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX. I did this by calling them as instructed, paid it over the phone, once cleared they provided me a confirmation number and I recorded that, as well as, the agents number. In XX/XX/XXXX during the last part of this modification, XXXX XXXX told me they sold my mortgage to Selene Finance. AS I paid the last of the three payments, I asked the agent, if they were going to send me my modified agreement and I was told no, XXXX XXXX would be doing that. I never received an introduction letter from XXXX, however I did receive an invoice showing that I owed in excess of XXXX. I sent them a letter, with all the documents requesting where I send the modification payments too, and asking where the documents were that I was told they would send. I received a letter from them stating they would look into it over the next XXXX days. I waited and waited. By XX/XX/XXXX, XXXX I sent them another letter, along with a check for close to XXXX to show I was holding the payments for them, I just needed them to send me the documents and tell me what else I needed to do for this modification. I pleaded with them. They sent me a letter and told me I was denied because I stopped making payments. Now my house is up for Sheriff sale on XXXX XXXX, XXXX - just XXXX days away. I feel like they duped me and they are n't honoring what they should be. In addition, I cant see where the payments I sent XXXX XXXX were ever applied either. I need help ASAP, I am about to lose my home and feel like I have no way out and on one on my side. Can you help me?
I purchased a piece of luggage from XXXX and the XXXX use of the new luggage resulted in the luggage being damaged. It was a large hard-sided shell and the shell was cracked beyond repair along with XXXX of the wheels being pushed up into the luggage to where it was unstable. I took the luggage to a XXXX authorized repair facility and they stated that it was damaged beyond repair and that it would not be covered by the XXXX warranty. The XXXX Warranty only covers manufacturing defects or damage and states it does not cover airline mishandling. I called XXXX to resolve the issue because this was the first use of their product and I believe they have a manufacturing defect in that they have not designed the luggage to withstand well know rough handling within the industry for which their product is designed to be used. This to me is an implied use warranty. XXXX refuses to credit my card, although they have sent an email indicating that if I want to send the damaged luggage back to them that they will re-evaluate my claim, but the luggage must be sent at my expense and for which I will NOT be reimbursed, even if they ultimately agree that the damage should be covered. I have gone to XXXX and USPS for shipping estimates and due to the large size of the luggage, it will cost me a minimum of {$60.00} to ship it to them for their evaluation. I then contacted my bank to open a dispute to have the amount credited back to my debit account, and the bank BMO Harris, has refused to do anything. Their position is that because the issue is not involving fraud, that I had no dispute that they could assist me in curing. I do not understand this policy as there is no other recourse for me to attempt to recoup my money without having to prove the airlines mis-handled the luggage, which THEY will require me to prove. This is extremely frustrating, and I would like to complain about the refusal of the bank to attempt to resolve this dispute for which their access device was used, as well as I 'd like to complain that XXXX can not simply disregard the fact that their product is not manufactured to withstand known aggressive handling within the industry for which their product is primarily intended to be used.