WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX my Discover Student Loans started in repayment. I received an email saying {$540.00} was due and I promptly paid that amount on XX/XX/XXXX through the website. When my XXXX bill was due, the website showed that I paid in XXXX, but the total amount due for XXXX did not reflect that payment. It showed I owed {$1000.00}. I called Discover because I could not make that large of a payment, but I did make what I thought should have been my monthly payment of {$540.00} on XX/XX/XXXX. I didn't realized at that time that the company did not apply my first payment correctly, so I asked if I could skip remaining payment for the month of XXXX. They agreed for me to skip the remaining XXXX payment and have the cost added to my monthly payments for a year starting in XXXX. However, when I next checked how much was due, the total number reflected both the XXXX and XXXX payment, as well as the increased payment for XXXX ... all due in XX/XX/XXXX. I called Discover back and on this second call, they realized they had never applied my XXXX or XXXX payments of {$540.00} correctly towards the principle. At this time, they removed the payment plan I had set up to start in XXXX and told me they would apply my XXXX and XXXX payments correctly so that I would simply owe another {$540.00} in XXXX. The Discover representative apologized and told me he would submit a report to Discover 's headquarters about the incident. Today I called Discover back again after seeing that nothing was fixed and they now wanted {$1600.00}. This time, I was again told that the problem would be corrected in Discover phone encounter XXXX ( unfortunately, I did not write down the phone encounters for previous calls and I have no receipts ). I am submitting this claim because calling Discover multiple times has not solved the problem.
Good Afternoon, XX/XX/XXXX Approximately around XX/XX/XXXX I was offered the opportuntiy for loan forgiveness by a gentleman named XXXX XXXX. He claimed to be a Student Advisor. He stated to me I was eligible for student forgiveness after signing document I had no access to after  signing. He explained to me that I would have to pay equitable acceptance {$49.00} a month to assist me with paperwpork that took less than a minute to fillout. ( I found this out by calling XXXX. One of the representatives explained everything to me today ). I'm a busy working mom who had hopes of loan forgiveness without knowing the real details. I feel really silly now but at least I found out. My curiosty stirred up a few times when I looked at my credit report and the balance of {$42000.00} plus was always there. He told me once I started paying equitable accetance I would notice a change from XXXX to XXXX on my credit report which it did. I wasn't aware that the service was free and under one minute to fill out on your own. This renewal is annual and the student loan company just want to ensure your information remains the same. I was paying {$49.00} bucks a month to do accomplish this very quick process. ( smh ) .. I was told that I may have to close my bank account and reopen it to prevent the reoccurrence of an automatic deduction. This equiptable acceptance account is also on my credit report and it can ruin my credit for non-payment. They have access to my fafsa account, bank account and now eligible to riun my credit. I am submitting proof of payment to you with hopes of reconciliation in this situation. When your busy and someone tries to convince you to do something that seems assuring still stop and look into it or just don't do it.
I had a check deposited into my account in the amount of {$800.00} on XXXX/XXXX/15. On XXXX/XXXX/15 the check was delayed depositing and then they said it had been returned. I have proof that the check written has already cleared the other individuals account. I was also charged an overdraft fee of {$36.00} and returned item fees of {$180.00} all on XXXX/XXXX/15, which is a day after the check was deposited into my account. I contacted BB & T and they said they had only the information that the check was either returned for a various amounts of reasons. I then again explained everything and asked to speak to someone else. This is when the representative told me I would receive a call back in 24-48 hours. I am extremely unhappy and beyond frustrated.
We purchased a 2014 XXXX. Later in that year, the wife and I were forced to retire, due to the funding expiring ( we both worked for the XXXX ). Completely unprepared to retire, we lost our home, and had to turn the car over to a XXXX, XXXX agency. Ally Bank got {$15000.00} at auction, we paid {$16000.00}. Ally insists we owe another {$8500.00} due to 5 yr payoff. We are paying {$50.00} a month to a collection agency. I am XXXX old..my wife is XXXX. In order to eliminate that debt, would we have to declare bankruptcy?
their is company called XXXX that re reported me after the time limit has expired and after they deleted me experian has not helped in removing them even that i sent the prove which you will find in attachment
XX/XX/XXXX I rec 'd phone call from " unknown '' who turned out to be XXXX XXXX XXXX out of Illinois trying to collect a debt that was not my husbands debt, but his ex-wife 's. My husband never had a credit card in his name until XXXX. They told me, if I did not agree to the terms and give them a 'good faith ' payment today, they would garnish my husbands paycheck and put a lien on my car. Of course I got upset, not thinking straight and paid them {$100.00}. After further research on my part, I realized that this was a scam to collect an old debt. I called my credit card company, told them I was scammed, and that I need to cancel the card. This company has over 100 negative complaints against them on XXXX website, all complaints are about the company trying to collect on old debt. Then I realized that the last know activity on the account is from XXXX. I am awaiting a letter from the company. They stated they would be mailing me out one today.
Back in XX/XX/XXXX I gave my XX/XX/XXXX XXXX XXXX back to Santander consumer now XX/XX/XXXX the charge it off n sent me a bill for {$4000.00} basically now they is still reporting to all three bureau that Im late on payment how can u be late on something was charge off in XX/XX/XXXX now all XX/XX/XXXX-XX/XX/XXXX they been report as late payment how can they keep doing this is all i want to know
Could you please take everything off of there that is past 7 years. Hoping to improve my credit score.
I contacted XXXX XXXX XXXX about paying off my mortgage in full. I called three times, the first time on XX/XX/XXXX requesting written information about the payoff amount and procedure to follow to make payment in full. I was told each time that I would receive an email in days detailing the above information. I also sent a certified letter that was delivered on XX/XX/XXXX asking for written information about the process to follow in paying off my mortgage in full and the payoff amount. It is now XX/XX/XXXX and we have still not received anything in writing.
Please cross reference this complaint with a previous filed complaint # XXXX against XXXX XXXX XXXX. Bank of America , N.A . ( " BANA '' ) was the previous alleged servicer/debt collector for the loan. On XXXX XXXX, XXXX, I sent a letter to BANA ( attached with complaint ) requesting information on a Beneficiary Declaration. I asked if a Beneficiary Declaration was sent to the foreclosure trustee company, XXXX XXXX XXXX and if one was sent, to please send me a copy of it. I received a response ( attached with complaint ) from BANA, dated XXXX XXXX, XXXX. The response did not answer my question, and instead it totally ignored my request and directed me to ask any questions to XXXX. I sent follow-up letters ( attached with complaint ) to BANA on XXXX XXXX, XXXX, and XXXX XXXX, XXXX, requesting the same information in both. I have yet to receive any acknowledgement or response from XXXX at the time of filing this complaint on XXXX XXXX, XXXX. I request that the CFPB compel BANA to answer my request and provide the information requested. BANA has my permission to communicate with the CFPB on this matter. 
The subject property is XXXX XXXX XXXX, XXXX WA XXXX
My problem is that credit reporting is used by companies to gouge consumers when they first request a service. In my case a service provider that has a monopoly in my city. I have been do business with this company for over ten years when I first went through them I had a co-signer so this was not an issue. But even though I have been a loyal customer with an account in the black through this entire period. A representative of this company called me and informed that because I have no credit history as reported by one of these credit checking services ; meaning I have never taken out a line of credit nor do I have a mortgage type payment exc .... I also do n't have bad credit meaning I have never filed for bankruptcy or let any of those credit lines I never had go in to the red to many times. This representative used the words " we do n't count the history you have had with our business, because we use credit checks ''. So you see my issue is not how the report was used, even though I feel that only industries that report on your credit history should be able to utilize it. My issue is that by this process being a thing it is destroying the customer to service provider relationship. How am I supposed to build loyalty with the companies I do business with if they want to charge me XXXX % of my monthly income just because I do n't have a credit card? 
Disregard any bubbles that I selected in the first portion. you do n't get to choose what issues people have with the service you provide.
My son opened a saving/checking account on XXXX, 2018. On XXXX, 2018 I received a statement saying that my sons account was adjusted by - {$220.00}. There was no explanation. I called the bank and they said they would look into the situation and write me a detailed account of why the amount was changed. On XXXX, 2018 I received a letter saying that my dispute inquiry was researched and they have determined that the adjustment was correct. 
I counted the money at the bank with banker two times. We came up with the same amount together. We then waited in line for the teller, and she also came up with the same amount. I have the recept which states the amount that I have deposited. Bank Of America will still not provide me with the information that I have requested.
I escrow my homeowner 's insurance, which was due on XXXX/XXXX/2015.The check from my mortage company arrived XXXX/XXXX/2015. I had to pay {$660.00} of my own money to keep the policy in effect ( which my insurance company will now refund me ). My morgage company ( XXXX XXXX XXXX XXXX uses XXXX ) representatives have been very nasty and unhelpful. They claim that they never got a bill from XXXX XXXX XXXX before XXXX/XXXX/2015. XXXX XXXX said that they sent bills on XXXX/XXXX/15, XXXX/XXXX/15, and again on XXXX/XXXX/15 which they then paid.
I AM XXXX XXXX. I XXXX XXXX XXXX  AND IF A PERSON AT CITI CARD DOES NOT REMOVE THE HEADSETS OR IS OVERSEAS, I BARELY UNDERSTAND A THING. I HAVE MADE THIS VERY WELL KNOWN TO CITI CARD AND OFTEN STILL HAVE GOTTEN FOUGHT WITH AND HUNG UP ON WHEN I ASK FOR A PERSON ON A HAND HELD PHONE AND A SUPERVISOR.

CITI CARD HAS MADE SEVERAL ERRORS ON MY DISPUTES TOO AND I HAVE HAD TO CALL SEVERAL TIMES DUE TO ERRORS DONE BY THEIR STAFF TO HAVE THIS FIXED.

MY CARD WAS CLOSED UNEXPECTABLY AND CAN YOU ONLY IMAGINE IF I WAS OUT OF TOWN, HOW DANGEROUS THIS COULD HAVE BEEN AND I WOULD NOT BE ABLE TO GET HOME AND I AM TOO XXXX  TO CALL ON A CELL PHONE AS I COULD NEVER HEAR.

I WAS AT CENTRAL MARKET BUYING GROCERIES WHEN THIS OCCURED AND I WAS TOTALLY PUT TO SHAME AND EMBARRASSED TO THE EXTREEME.

I HAVE BEEN A CUSTOMER FOR YEARS AND TO BE BLAMED FOR LYING ON A DISPUTE IS SO MADENIG AS IT WAS ME, WHO CALLED, WHEN THE MISTAKES WERE MADE BY CITI AND NOT BY ME.

XXXX  FROM CITI CALLED ME YESTERDAY AND TOLD ME THAT IT IS POSSIBLE THAT CITI IS WRONG ON ALL THIS AND THAT MOST LIKELY THEY WILL RE OPEN MY CARD DUE TO THEM AND NOT ME.

I CALLED AND LEFT XXXX A NICE MESSAGE ON THIS MATTER AND I BELIEVE SHE WAS ALREADY GONE.

XXXX  TOLD ME TO GIVE HER SOME TIME TO CHECK ON THIS AND SHE TOO SAID THAT IT IS VERY POSSIBLE THAT IT WAS JUST A CARELESS ERROR ON THE PART OF CITI CARD.

I AM SO UPSET OVER THIS FOR SURE.

CITI HAS REALLY BEEN WRONG ON THIS.

AT XXXX   IT WAS A MESS AS THE VENDORS REALLY MADE SO MANY ERRORS AND I DID HAVE TO CALL CITI TO GET THIS FIXED.

I ALSO HAD MY HAIR RUINED IN XX/XX/XXXX. I WAS VERY HONEST ON ALL MY DISPUTES.

I STILL FEEL THAT CITI CARD CLOSED MY CARD DUE TO MY HORRIBLE HEARING. THEY WILL NOT JUST COME OUT AND SAY SO, BUT I AM SURE THIS WAS THEIR WAY OF WANTING TO FIND A WAY TO GET RID OF ME.

I WILL GIVE XXXX   A CHANCE TO MAKE THIS HORRIBLE ERROR RIGHT. I WILL SEE IF THEY DO AND IF THEY ACTUALLY DO ADMIT THAT WHAT THEY DID WAS WRONG. I BELEVE THEY WILL FIND THAT THEY DID WRONG AND WILL RE OPEN MY CARD.

I WAS TOLD TO PUT ALL IN WRITING. I AM TOTALLY XXXX  AND MY DOCTORS HAVE MORE THAN ONCE THAT HAVING TO PUT STUFF IN WRITING CREATES A HUGE STRESS ON A XXXX   PERSON AND I AM NOT TO GO INTO IT AS I HAVE XXXX  THAT CLEARLY STATE THIS SHOULD NEVER BE DONE.

TO MAKE A PERSON WHO IS XXXX AND HARD OR HEARING AND WHO HAS OTHER XXXX SUCH A XXXX AND MORE, THIS IS VERY CRUEL.

LIKE I STATED EARLIER, PRAISE THE LORD I WAS NOT OUT OF TOWN AND NOT ABLE TO GET HOME.

I HAD NO WARNING OR A THING. THIS WAS VERY CRUEL.

TO BE ACCUSED OF LYING, WHICH, I NEVER ONCE DID, IS VERY NASTY. I WAS THE ONE WHO CALLED WHEN THE KIDS MADE THE ERRORS TO MAKE IT RIGHT. CITI IS SO WRONG ON THIS. I HOPE THEY OPEN THE CARD AND MAKE THIS RIGHT.
this number repeatedly calls my place of employment and threatens me that they are going to serve me papers at my work if I do n't call them, that does n't make any sense to me, since I do n't know what it is about and people do n't call you to warn you that they are going to serve you papers, they just do it ... ... ... ..so this is really bothering me. he is very rude and says his name is   XXXX   XXXX   or something like that and gives a phony court case, which is n't true, not sure what this is all about.
I sent XXXX XXXX XXXX a letter XXXX XXXX2017 requesting validation of an account listed on my credit report. They signed for this letter XXXX XXXX, 2017 at XXXX XXXX They never responded to my letter. So on XXXX XXXX, 2017 I sent them another letter that they signed for XXXX XXXX, 2017 at XXXX XXXX informing them they failed to respond in a timely manner and advising them they violated Federal Law by not responding and not providing viable evidence bearing my signature. They responded finally 33 days after first letter was sent. XXXX responded with a letter dated XXXX XXXX, 2017 stating they found that account was correct. They did not provide proper evidence bearing my signature showing I have an obligation to pay them the amount they are reporting on my credit report. They have been advised failure on their behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against their company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I sent XXXX XXXX XXXX a third letter XXXX XXXX, 2017 that they signed for XXXX XXXX, 2017 at XXXX XXXX I have tried three good will attempts to resolve this incorrect information that is being reported on my credit report however XXXX has continued to ignore my requests. I filed a complaint directly against XXXX XXXX XXXX through CFPB portal X/XX/17 and BBB, however XXXX XXXX XXXX has refused to respond to complaint issued through CFPB. As of today X/XX/17 they have not responded to CFPB as per the rep named XXXX that I spoke to via phone call this morning. I have attached all proof of correspondence with XXXX XXXX XXXX and any responses from them. I addition to refusing to provide valid evidence XXXX XXXX XXXX did not furnish the credit bureau XXXX with the required disclosure, within the period required by law. XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/2017 at XXXX XXXX. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure with XXXX within the required 30-day period.
So my car was repossessed from Fifth Third Bank. They said I need to pay {$660.00} because of a late payment in XXXX 2016. I look back and that was when I had a deferment because my husband was out of work. They told me to fill out a letter and send it in. I have proof that I sent the email in and signed it. They told me there would be an extra monthly payment added on to the loan. Now XXXX XXXX, 2016 my car was repossessed and I had no idea why my car payment was sent through mail a little over a week before ( because they said I am not eligible for the online payment ). I called confused and they said once your payments go through then we can give you the release form. Then my husband called and they said we owed XXXX in repossession fees ( including the 2 payments of XXXX on there way ) I was confused to why it was that much when my car payments are {$280.00} per month and {$290.00} when they are late. So I called again to try and understand where this money came from and they said it was from XX/XX/XXXX when we missed a payment. That 's when I explained that was our month of deferment. She then tells me it was n't approved. I explained how I would be told if there were any problems with the deferment process that she would contact me. The representative then told me we were contacted multiple times and left voicemails. I then asked what phone number they have been calling and she gives me numbers that do n't even have the same area code as me. I know they have my phone number and my husband 's on file because that is how I verified my account. On top of that they have my mailing address. She then puts me on hold so she can talk to her supervisor. They are now giving me a deferment for XX/XX/XXXX and adding repo fees to XX/XX/XXXX and XX/XX/XXXX but I still have to XXXX XXXX the {$660.00}. I just feel like I should n't even be in this position right now.
I applied a checking account with BMO Harris on XXXX with a promotion code. The promotion said that I can get {$200.00} bonus if my account receives direct deposit over {$300.00}. I opened the account at a branch and also showed the promotion letter ( code included ) to the banker. Every month there are XXXX direct deposits going to that checking account from my employer. But until today XXXX/XXXX/2016, I have n't received the bonus. I called BMO customer. The representative asked for the promotion code when I opened the account. Well I do n't have it since I threw it a few months ago. I do n't know what to do now..
I was contacted concerning a payday loan debt. I informed the agency that I did not owe and produced a bank statement proving that I did not receive the funds. I asked that we take this to court. 
He threaten to have me fired. He then contacted my boss, the president of the college and reported this claim
On  XXXX / XXXX /  XXXX   my employer received a judgement to garnish my wages. The garnishment started about a month ago. I called my HR person who informed me that the creditor was  XXXX   XXXX , whom I have not had any bad debt with for ove r 10years.  The entity that bought this debt  is Foster and Garbus ,  XXXX   XXXX   XXXX   XXXX  NY  XXXX . Their phone number is  XXXX  when I called I was transferred to Ext.  XXXX . The statute of limitations on unpaid credit card debt in NY is 6 years, therefore this is illegal an illegal debt for them to collect on. Furthermore I was never issued a summons to appear in court for this so called debt. I have emailed and cal led Foster and Garbus  and no one has gotten back to me with the information I requested ie date of the debt, the name of the court the judgement was issued in etc. I did a search on  Foster and Garbus  and found many such complaints dating back 5 years. Why is this illegal activity allowed to continue? You are my first step in trying to get some answers.     Thank you for your time
This is a follow up to complaint #  XXXX . I appreciate the companies response and I would like to clarify that the issues described in my complaint were an aggregate of my dealings with all the servicers of my loans and the inability to get any concrete numbers or history of payments from ANY of them, not solely directed at GC Services.     I understand that they do not set the rates or fees as stated but as the loan servicer, certainly they know the amounts. Assuming that the loan file transfers with the servicer, they should have no problem in providing me a complete account aging going back to   XXXX   when the garnishments began.     They responded that they would be sending me the account history I asked for on  XX/XX/XXXX . To date (  XX/XX/XXXX  ) I have received nothing.     Still waiting.
I STOP BY BY A CHASE BANK > ASKING A BANKER THAT I WOULD LIKE TO BE REMOVED OFF MY WIFE 'S CHASE CREDIT CARDS AS AUTH. USER > IT EFFECTS MY UDR % FICO SCORE. CHASE SLATE : XXXX CHASE XXXX : XXXX CHASE XXXX : XXXX I AM JUST AN AUTH. USER ON HER CREDIT CARDS. SHE MAINTAINS GOOD STANDING ON ALL HER CREDIT CARDS. BUT FOR SOME REASON HER BALANCES ON HER CHASE CREDIT CARDS ARE EFFECTING MY FICO SCORE. HER FICO SCORE IS GOOD BUT FOR SOME REASON HER CHASE ACCTS ARE EFFECTING MY SCORE.
Going thru modification with penny mac changed principal balance due and terms of loan from a fixed to a varible called several times single point contact to get hold underwtiting no response
Customer : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX California XXXX Tel : XXXX ; E-mail : XXXXXXXXXXXX Complaint Against : CITI BANK,XXXX XXXX XXXX, XXXX XXXX , CA XXXX Tel:XXXX ; Fax:XXXX POC : XXXX XXXX, Bank Manager Claim for refund of the {$180.00} Legal Fees charged to my account, in the year 2012, I believe, when I was away on XXXX XXXX, when the IRS took money from my bank account. The CITI BANK charged me the {$180.00} as " Legal Fees. '' I want refund of the money. I was a customer of the Citi Banlk for several years. The bank should have appreciated that. 
I spoke to the bank manager, he referred me to the District Manager, who never returned my phone calls. 
FDIC should help me recover my money. This is notto treat customers who are serving in the U.S. military. The bank should be appreciative of my situation, and not undue advantage of me.The bank makes a lot of money.The directors make XXXX.So, why take advantage of a poor person?
Experian has been notified of my incorrect account balance for a XXXX account which should be showing XXXX