WillisBack/dataset-financial-user-claim huggingface dataset:
I had a bad debt from an apartment move out. I offered to pay for what I felt I owed but the apartment company would not discount the final bill to what I felt was reasonable and covered in my lease. They sent the debt to collections. After several phone conversations to get the debt reduced to what I owed I was not successful. The last representative I spoke to offered me a number and told me I had to pay then to resolve the debt. I said I would not make a payment over the phone and that I wanted and invoice sent to me to define the settlement. He said he could not do that so no way I was giving my CC info over the phone. Then he told me I could go only to the website. I went right to the website and entered my account info that was given to me. The website gave me an option to make a settlement offer. I entered the $ I felt I owed first and it came back as a no on settling that amount. I made a second offer and that was accepted. I paid the agreed settlement and a $XXXX processing fee and the debt was settled. I printed the letter and confirmation from the website and was done. 

They started calling me again and when I answered no one said anything so I called back on XX/XX/2016 at approx XXXX. The person that took the call told me I still owed them money and my settlement wasn't enough. I told him I used the website and got an accepted offer and took it.He basically said that I still owed the rest of the debt. He said the documentation I claimed I had wasn't valid. 

Out of frustration I spoke some curse words and hung up.
After applying for seeking help from another bank where I found out after the fact that I needed to refinance a balloon payment that back denied me and I 'm still not sure why but I moved forward and applied for and FHA at another bank being it was where my mortgage is held. ( both ) Realizing the time restraints I was under I informed this bank that I only had until the XXXX of XXXX. 
I came to with a co borrower because I knew that my income would be a challenge. After looking everything over the banker thought it was a real chance that everything would work out. Now 2mons later after moving into the underwriter phase the loan was denied, We were devastated we were also lied to told the reason was because the borrower lived out of town. We knew that was not true after going online to the FHA website guidelines. 
Please note my co borrower as myself did not every receive a denial letter in the mail. I went on XXXX and had the branch manager email me the reason for the denial which had nothing to do with the co borrow living out of state. It was because you can only have one FHA on the books at one time. They should have known both mortgages are at the same bank. ( 2months wasted ) Now my credit rating is starting to take a hit. )
I signed a loan agreement with XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. They were going to get my loan paid off through XXXX within a number of days, definitely by the end of XX/XX/XXXX reportedly and then I would start owing money to Mohela, their loan financer. However, I got a notification that money was still being deducted for my XXXX loan in XX/XX/XXXX and when I checked my account, the loan had not been paid off. I contacted Mohela and XXXX and they said that it looks like the loan had not been paid off and they were going to look in to it and get back to me. When I had not heard back for several weeks, I contacted them again at the end of XX/XX/XXXX and they said they were going to put my loan through Mohela into administrative forbearance. I then got a notification on XX/XX/XXXX that said the forbearance had started and ended on XX/XX/XXXX and that I was still accruing interest through Mohela ( as well as through XXXX ). 

I have reported this to the company XXXX again today and they said they are still trying to figure out what is going on the loan repayment through XXXX. This has been going on for almost two months at this point, I am concerned I am being scammed and that I have now signed paperwork for a loan that does not exist, but that I am being charged interest on. The company has been very poorly communicative, and I have had to follow up multiple times to get answers, which no one has been able to provide.
On XX/XX/XXXX I called Capital One to get my balance so that I could pay off the balance in full. On XX/XX/XXXX, I paid the balance that was quoted to me on XX/XX/XXXX. When I received my statement, I had been charged interest. When I called to find out why I had been charged interest when the balance had been paid before my billing cycle date, I was advised that it could take up to two billing cycles before the interest charges would stop. We have a total of 4 accounts. We paid the balances on all 4 accounts. We have received invoices for 2 accounts that have been charged interest. I feel that the other 2 statements will also have interest charges. I was only able to list one in the field for the account number.
Gentleman called I asked for a statement, what I received was my FIRST letter stating I/ my husband owe the debt. They had supposedly been sending letters but to the wrong address. I am not debating the fact that I owe something but I would like to see a statement and the original agreement. If they could not provide it I would go straight to the company to get the agreement and what is owed. The gentleman that called me this morning was extremely RUDE he called me a liar when I stated I never received a statement and proceeded to give me the dates I owed. Told me that the original company had attempted to contact us and send us letters. We never received anything from the music store until the debt collectors started. The same gentleman has stated that when my husband told him he was unable to pay right then as he was at work and had no way to pay, that he was turning him in at the end of the day and today told me he was reporting it on Monday more in a threatening way then really doing it. He would hardly let me get a word in edge wise when I was trying to tell him that the original company had never contacted us when there was a problem. This is when he proceeded to call me a liar. He has no idea what the circumstances are .... and for him to be so rude and nasty to myself and my husband is uncalled for. I want a statement showing the charges and I would like to see original agreement which would include the address my husband had put on it to make sure it was not his mistake on the address. I do not think that is to much to ask for. The messages say its from XXXX XXXX the letter we received dated XXXX XXXX is from united Recovery Solutions Credit and Collections Firm. I have never heard them state this name ... how do I know this is the same place? I thought when I asked for a statement i would receive a statement not a letter.
I have a merchant account with Bank of America that is tied to my Business Checking Account with them. I just started a new business, a XXXX XXXX, and regularly take payments from customers through a credit card terminal. Bank of America 's Merchant Services keeps putting my transactions on hold for weeks at a time. When I talk to  customer service representatives, they say that the risk management team is reviewing the transactions and they can't do anything about it. I try to contact the risk management team but the XXXX line for them goes to voicemail every time and noone from that department has responded to the messages I sent. Last month, they hed funds from XX/XX/XXXX to XX/XX/XXXX before releasing them. They starting holding funds again since XX/XX/XXXX and, again, customer service claims they are unable to help and the risk management department is not answering or returning any phone calls. As a result of them holding my money for weeks on end without any reason or remedy, I am falling behind on bills for the business ( rent, car payments, employee payroll ) and personal bills as well.
Im in the process of cleaning up my XXXX credit report when I notice a negative account from First Data Merchant Services. I disputed the account with XXXX since I 've never been a business owner and never had an account with them. The dispute came back as " We verified that this item belongs to you '', and for me to contact First Data Merchant Services regarding the account. After 2 days of being shuffled around from Corporate customer service to their fraud department, back to customer service again, no one could help me resolve the problem. The fraud department sent me to a department to obtain the last XXXX digits of the account number because they are x 'd out on the credit report. When talking to this person, she indicated she could not obtain the last XXXX digits and did n't know why fraud protection thought she could. She searched the database using my name and no account came up with my name. She then told me that she does n't know what else to do since she had no way to obtain the last XXXX digits of the account number and searching resulted in no account using my name.
In XX/XX/XXXX, I received an UNSOLICITED offer from UPROMISE BY XXXX, for a MASTERCARD. This card is issued by Barclays Bank Delaware, XXXX, Delaware, FDIC. The offer clearly stated that if I used the card for a purchase within the first 30 days, I would receive a {$100.00} CASH BACK reward. I did make a purchase, and did pay the UPROMISE MASTERCARD for that purchase. Now, many months later, and after making repeated calls, I still have not received my {$100.00} reward. 

In response to a complaint I made, I did receive a letter from Barclays Bank Delaware, dated XX/XX/XXXX, acknowledging that I met all of the requirements, and also stated " ... I have confirmed that Upromise has mailed a check to you in the amount of {$100.00} and you should be receiving it shortly. '' THEY LIED ; As of this date I have never received a check from them!! Barclays Bank is an FDIC bank. Can you help me?
I have another company charging me XXXX for medical bills that my insurance is supposed to pay. I have no clue why they are charging me because I havent been to the hospital that many times ... so why are they charging me. Why do I have insurance if it dont take care of medical bills.
I made the XXXX/XXXX/16 loan payment of {$2800.00} to SLS and the check was cashed XX/XX/XXXX according to my bank XXXX XXXX. Apparently they posted the funds to someone else 's account. I received a call from SLS after this and have been checking their online system and calling them almost daily. They have been unable to correct their error and now are sending me delinquency notices. I would like to be compensated for my time and have the accounting fixed immediately.
This company CRG has contacted me on my employer phone and cell phone on several occasions regarding a loan that they claimed that I owed and it is not mine. I have told them once before to do not contact me and to contact my attorney and they continue to contact me with threatening calls about delivering paperwork to my job. They will not provide me with any company information or anything to stop these harrassing calls and all I have is the company 's phone number. The number is XXXX and have spoken with some rude characters that only hang up when asking about the details of the company that they are trying to collect a debt from.
Harassing phone calls disrupting my ability to use my phone, and interfering with my work. PMT Solutions called me from XXXX 10 times in less than 13 minutes on XXXX. This is a harassment and unneeded. They have called previously and hung up on me when I asked about being removed from the call list.
I have been trying to understand why Portfolio Recovery Associates is reporting on my credit reports. Over the last 6 months, I have been disputing with the credit bureaus and have also sent debt validation requests to Portfolio Recovery but nothing has changed. The only thing they ever send is a letter stating that they found the account to be valid and copies of various billing statements. I requested that Portfolio Recovery provide a signed contract or credit application, amount owed, how much they paid the original creditor for the debt, etc but all they keep sending is a bunch of bills. I'm not admitting or accepting responsibility for the debt, but I do not recall opening a credit card with XXXX or Portfolio Recovery. This complaint is being filed to request that PRA provide appropriate documentation proving that the debt belongs to me or immediately delete this account from my XXXX, XXXX, and XXXX reports PERMANENTLY and not sell the alleged debt to anyone else.
My name is XXXX XXXX and I live in XXXX Iowa. On XX/XX/2018 I put {$24.00} of gas in a XXXX XXXX XXXX near to XXXX on the XXXX  XXXX, using my credit card ending XXXX of Bank of America. Then on XX/XX/2018 when I tried to used again in other place, it just said declined. When I checked my card statement it showed that I had done different transactions during XX/XX/XXXX and XX/XX/2018 that I didn't. They were 2 more in the same XXXX XXXX XXXX for {$24.00} and {$13.00} and later three additional transactions in XXXX XXXX {$13.00}, XXXX {$8.00} and XXXX {$27.00}. So it looked they kept doing it Up to my credit limit was reached. Fortunately I just have {$300.00} because they would stealing my money. Once I realized what happened I immediately report to the bank and the create the fraud claim XXXX. On XX/XX/2018, the Bank sent me the letter telling me that there not identified fraudulent transactions and I would have to payback those transitions and I'll be responsible for the balance of my account ( Attached ). On XX/XX/2018 I went to the office in XXXX XXXX and they didn't take my request, because the credit line people weren't working that day. The advisor reschedule an appointment for me during the week days and hours that apparently the credit line people work, but I work and for me is not possible attend a personal appointment that fit in their schedule. Anyway I let The advisor know about my position of not paying those fraudulent transactions, because I never unprotected my card and the bank must be responsible for the card and money care. He explained me no balance will be applied. So since it was a prepaid card I pay for the balance of the money that I really spent, in the way to using for a road trip during XXXX XXXX weekend. I was traveling on my way back from XXXX XXXX to XXXX Iowa confident with my money in my prepaid card, but nevertheless the bank took the money and applied the balance without my authorization. Making me live hard times without my money to put gas, I really faced an emergency because I just counted with the money in my card.
Numerous calls from various agents of this company, weekly, for the past 3 years to my place of employment. I have told them repeatedly that they were not allowed to continually call and they were not allowed to give messages to my coworkers and subordinates, yet they continue to do so. Today, they left another message with one of my subordinates and I decided to file a complaint because it seems to me that they are seeking to embarrass me at my place of employment. The company is FH Cann & Associates. The number they are calling from is usually XXXX. But they have called from other numbers.
I have a new mortgage through a company called LoanCare ( My mortgage has been sold several times since I first got it back in XX/XX/2017 XXXX and I found out that when I make my payments online, there is a {$5.00} payment fee after the XXXX of the month and a {$10.00} payment fee after the XXXX of the month. I was under the impression that there could be no late payment fees until after the XXXX of the month on VA loans. Here 's the breakdown : Online payment XXXX of the month though the XXXX of the month- No Fee Online payment XXXX of the month though the XXXX of the month- {$5.00} Fee Online payment XXXX of the month though the XXXX of the month- {$10.00} Fee The only way to avoid these fees is to either mail in your payment, or set up and automatic withdrawal. 

While they may not be calling these fees " Late Fees '' they are fees that are assessed based on the day of the month that you pay, e.g. late fee. This seems like a shady business practice and not in line with what the VA envisioned when they created the rule that there can be no late fees before the XXXX of the month.
This company repeatedly calls and fills up my voicemail with people speaking in terrible English about my student loans. I do not receive statements from them telling me when my payment is due. I have just been diagnosed with XXXX and am currently struggling and they are unwilling to work with me. All they do is call and call while I 'm trying to recover from my current episode. They are also making it difficult for me to receive important phone calls from my doctors because they fill up my voice mail. They use an autodialer to call me on my cell phone which I have specifically asked them to stop calling. How can I make payments when I do n't receive any statements? They give me no options on alternative payments just harass me daily.
I need my    XX/XX/XXXX    statement to include with my application for  XXXX   XXXX .     I do not receive monthly statements from  Franklin Credit Management   XXXX   XXXX   XXXX ,   XXXX   XXXX      XXXX   XXXX , NJ  XXXX  I was advised statements were discontinued because I authorized automatic monthly debits for my payments.   I called the  Franklin Credit  on   XX/XX/XXXX  , to request a statement  for  XX/XX/XXXX . I was advised I could not get a statement because I 'm on automatic debit. On advice, I called again and was t hen advised Statements would be reinstated and  one  would be mailed o n  XXXX -17  for   XXXX    2017. N ot having receive d one by tod ay,  XX/XX/XXXX , I called the company and was advised a statement would not be mailed unti l  XX/XX/XXXX . I  told the representative what I had been told on  XX/XX/XXXX . He said the previous representative 's notes only mentioned he advised statements would start soon. I want/need this   XX/XX/XXXX  sta tement due to time constraints of my application for  XXXX   XXXX . The inconsistencies of information and delay in receipt of the statement  may  be negatively impacting my consideration by  XXXX   XXXX  for the program. I want a prompt response to my request to  Franklin Credit.
I had a credit account with XXXX. I live in the XXXX, TX area and was flooded out by Hurricane XXXX in XX/XX/XXXX. I lost everything. I received an email from XXXX saying they are here to help. So, I called them and explained the situation and that I would not be able to make a payment for a while. They said that was fine. I specifically asked them if there would be any late fees or would I be reported to the credit bureaus as late. They said no. I check my credit report and they are reporting me as two months late. I do n't wish to do business with a company like this so I closed my account and will pay the balance, but I want the late report taken off my credit report. I have paid my bill on time ever since I opened this account.
I opened an account with Wells Fargo on X/XX/2017 with a new account bonus of {$150.00}. The bonus required two things. <P/>1. Two ( 2 ) mobile wallet transactions for a cumulative amount of {$10.00} or more 2. Ten ( 10 ) debit card transactions Then you would get a {$150.00} new account incentive. <P/>They authorized my XXXX XXXX credit card two times for an opening deposit of {$25.00} each. I got the account number and deposited additional funds and completed the requirements over a week ago. <P/>I sent them a message inquiring about the terms of the promo and to make sure I qualified. I got a reply listing the terms of the promo that was applied for when my account was opened. <P/>Their terms included a few things which were not fulfilled on Wells Fargo 's end. <P/>1. They never took the opening deposit ( which they authorized 2x ). 2. They allowed me to open an account with this promo code and stated successfully it was applied to the account for me to earn on the approval. <P/>With both of these not happening I have been told I am ineligible for the bonus. This is something that is very misleading and not fair in any capacity. 1. If there is a promotion and you let someone apply for it and tell them they are eligible then you need to honor the promotion. 2. They blatantly messed up when they did not take my opening deposit and no one admitted that was their error which it was.
Debt was charged off and i received a XXXX from USAA Savings bank for a 2nd Mortgage {$67000.00}. I received the Mortgage relief from XXXX XXXX XXXX but not from the 2nd mortagage company USAA ( all they did was convert it from the 2nd mortgage to a home improvement loan.
I applied at a job and you handle background checks for that company your information is way off of being correct
Diversified Consultants is reporting an account for XXXX XXXX XXXX on my credit that is not mine. I've filed police reports and the fraud dept determined that it was someone in North Caroline who opened the account. I live in UTAH and have always lived in Utah. This is not mine & I have never had a collection on my credit nor have I ever had XXXX XXXX XXXX.
I opened a Macy 's credit card account back in XXXX 2015. They sent my bill to the wrong address and we never received any information about missed payments till we inquired at Macy 's store. Once it was discovered that my address in their system was incorrect, they corrected the issue and sent me a bill. I immediately sent a check for full payment and the check was credited to citibank on XXXX XXXX. A credit card was never sent to my address. They never updated my payment to my account history and it has been 3 months and they have turned my account to the collection agency. I have had multiple conversations with the credit research department at Macy 's, I have sent them all the documentation over 4 times. I have had multiple phone conversations with customer service but the issue has not been resolved. I still keep getting calls from collection and they have reported my delequint account to the credit bureau. This has been a frustrating experience where the company has failed to provide its customers the service they said they would provide. Even after multiple conversations with multiple parties within Macy 's credit department the issue has not been resolved. I have sent my payment in full. The money has been cashed by them. But they never updated my account and now I am suffering everyday dealing with collection people and my good credit is being destroyed. I want to file a complaint against Macy 's credit card ... get my issue resolved. have them fix my credit report. and Not bother me once and for all. Macy 's Credit company is the worst company to deal with. All of them need to be fired for being incapable and stupid.