WillisBack/dataset-financial-user-claim huggingface dataset:
U.S. Bank is the current holder of my mortgage. My payment is due on the XXXX of the month and I have always paid my bill on that day. Effective this XXXX, U.S. Bank implemented a policy that assesses an 'online payment fee ' if the mortgage is paid after XXXX XXXX XXXX on the XXXX of the month. Since I live in a XXXX, then this means the fee will be assessed after XXXX XXXX. on the XXXX of the month. Given that I work during the day, this new constraint causes an undue burden for me as a consumer. Essentially, I am being charged a 'late fee ' despite the fact I am paying my bill on time. According to U.S. Bank, this is not a late fee. Instead, they claim that late fees are only applied after a 15 day grace period following the due date expires. This new 'online payment fee ' is not given as an 'online payment convenience fee ', XXXX that is assessed across the board for online payments, but instead as a result of paying after a particular time. That is the definition of a 'late fee. ' I am being forced to pay a late fee despite paying my bill on time. 

XXXX, this was not part of my original agreement. Had I known this would be the case, I would have moved my due date to later in the month. There are no U.S. Bank locations or subsidiaries in my city or nearby so I do not have the option of making the payment at a physical location. My remaining choices are then to either mail in a payment or pay the bill online. When I first set up my mortgage account and payment schedule, no such ridiculous fees were assessed and so, I chose a schedule that allowed me to pay my bill on the XXXX of every month without incurring higher undue costs. Furthermore, I was not reasonably informed of these changes by U.S. Bank and how it would affect me. I happened to find out about it because I noticed the new field on my online payment page and called in to find out what it was about. 

This is not the first time I have had issues with U.S. Bank assessing an unnecessary fee on my account. Last summer there was another bogus charge on my account and calls to the customer service department yielded no results. Now, I 've had enough. This bank is predatory, unscrupulous and needs to be investigated for its business practices. I did not choose them to service my loan- they bought it in the secondary market. There is not a month that goes by that I do n't wish I could easily switch to another bank.
I have received several threatening phone calls XXXX times a day at work and on my cell phone about a debt that I owe to a company called XXXX. They harass me threatening the money I owe is a felony which it is not and threatening to call my employer and disclose information to them. I have asked them to stop calling and they will not. I have voicemails on my phone harassing me and telling me that if I do n't make a payment by a certain time that day that will take me to court. I told them to take me to court, and that I do n't deserve to be treated this way yet they keep calling, yelling at me calling me worthless hanging up and then calling right back. I keep blocking the numbers they call from and then they call me from different numbers. They will not give me their address or actual telephone number or even tell me the name of the person I am speaking to.
I asked XXXX to come to my house and install a landline. A representative came but he had a hard time finding outlets ( I think - maybe the problem was different ). The costs were also unclear to me. I told him not to install anything - that I did not want their service. The serviceman was very nice and cooperative. He agreed. He left. Then I began getting bills from XXXX XXXX XXXX for {$100.00} for service. I never had a phone from them. Never had a phone number that could even have been used. I called XXXX and spent hours on the phone. I was told that I did not owe them anything and that it had been taken care of - not to worry about it. I received another bill and repeated that process again - called - spent hours on the phone and they said it was taken care of. I received yet another bill and repeated the process AGAIN. I was also told not to worry and to ignore any further bills because it takes a while for information to move around the company. I just received a phone call from a debt collector : Diversified Consultants. XXXX I am being hounded by XXXX XXXX XXXX and it is THEIR mistake - not mine. I never received any service from them.
I filed a dispute with XXXX in XX/XX/XXXX because a bogus collection account for XXXX XXXX XXXX was being reported on my credit report. The dispute came back and the account was removed from my credit report until today XX/XX/XXXX the account has be added back to my credit report. This account is not mine.
Paid my first trial payment on XX/XX/XXXX as payments are due the first of every month beginning XX/XX/XXXX until XX/XX/XXXX. Discovered that XXXX did not post payment until 2days later, also my mortgage was sold to XXXX from XXXX and I disputed my balance amount due to unethical handling by XXXX and XXXX XXXX disregarded me. My mortgage balance should not exceed XXXX. I would like my mortgage to be affordable and I want XXXX XXXX   to be fair
Since the transfer of my mortgage to Nationstar from my construction company 's mortgage company there have been an endless stream of problems. First off they messed up the Escrow account by not paying my property taxes and sent me a XXXX refund. This refund had to be repaid a few weeks later as it was identified it was sent in error and then the taxes were paid late. This then started ongoing Escrow re-calculation and payment problems that are still unresolved nearly a year later. Despite numerous lengthy phone calls to their Escrow Dept and promises that it would be resolved the problems continue. All of my payments are made on time but because of Nationstar 's inability to resolve the problems my monthly payments are held in suspense which then trigger daily " collection calls '', in some cases multiple calls each day, including weekends. I have spoken to multiple customer service agents that always state they can see the problem and will resolve it but to date this has never happened, usually with only part of the problem being fixed and a new problem surfacing. Additionally, Nationstar Escrow Dept did not pay my home insurance coverage upon renewal, resulting in the policy lapsing. Nationstar claim that the Escrow did not cover insurance which was not how it was originally setup and fortunately I was able to resolve this with the insurance company directly who reinstated the policy. 
8 months later and there are still issues on the account. I am still receiving harassing phone calls daily from collection department agents and repeated threats to report me to the credit reporting agencies.
I filed a complaint with Barclay Card and FreedomPop and I am coming back. There is inaccurate disclosures from BarclayCard and FreedomPop. 
Charge was {$280.00}. FreedomPop agreed to refund {$260.00} and Barclay will cover the {$16.00}. Freedom pop responded with only {$250.00} within 5 business days. 
I also never pre-authorized FreedomPop to charge my card again, they just have my credit card info for the first charge. Any mediation, arbitration, dispute with merchant should be done with myself and the merchant only ... and Barclay should stay out of it. I went through bankruptcy once and I want to stay in control of my expenses. 
I attach my XXXX account with their set up ... all pre-authorized charge, recurring, non recurring ... so the consumer can manage it ... not the credit card provider.
Following the Equifax data breach reported in XX/XX/2017, I attempted to check on the Equifax website to see if I was impacted or not. Because I live in the XXXXXXXX for the most part, the website did not work so I called Equifax 's call center. 
The call center agents were unable to help me and told me to contact Equifax XXXX, though I am a US Citizen with credit cards and bank accounts in the USA. 
I was told that there was no other way for me to check on anything and that they were very sorry that they could not help. 

I have now paid XXXX to place a freeze on my credit as I can not check or be sure what the situation is, and Equifax wo n't tell me much more.
XXXX of XXXX : I have an XXXX done on my shoulder to determine if I need XXXX. This is done at XXXX XXXX XXXX in XXXX XXXX, IL. 

XXXX is done, and this all gets billed to insurance. By XXXX of XXXX I have all my bills situated, and run through insurance, have all the statements for what 's due in hand. 

Come XXXX of XXXX I get a bill for XXXX from XXXX Diagnostic Imagining for my XXXX, warning that this bill will be sent to collections if not paid by a date in XXXX. This was the first bill I ever received from them, so I paid it the first week of XXXX. 

Fast forward to XXXX of XXXX I get a collections notice in the mail from XXXX XXXX and XXXX XXXX in XXXX, IL. I filed a claim with transunion claiming I payed the bill, but XXXX XXXX never removed the claim from my credit history. I also sent them a certified letter the first week in XXXX with proof of payment to the original company and they still have not removed my collection from my credit history. 

This never should have been there in the first place, and my credit has taken a huge hit over a bill I payed, and now the debt collector refuses to remove it.
I received this threatening voicemail Saturday XX/XX/2017 at XXXX from XXXX XXXX who did not state his first name, representing Commenity Bank . I did not delete the voicemail and I also went on to save it as a voice memo to have on file that this is definitely a threat. I have consulted my colleagues who are Attorney 's in addition to a representative of the FTC who did state that Yes! That it is a threat and that that is against the law. I would like this matter resolved by Commenity Bank removing whatever information they have in my name, to never contact me again, and for them to provide validation, competent evidence bearing my signature that I have ( or ever had ) some contractual obligation to them. The threatening message went on to state : Good afternoon, This message is for XXXX XXXX XXXX. XXXX my name is XXXX XXXX calling with Commenity Bank and right now I do need you or your representing attorney to return my call immediately. This is regarding your XXXX sir. It is imperative that you or your attorney contact my office today to go over the options and the programs available to help you get this taken care of and to stop further escalation. I can be reached at XXXX ext. XXXX. XXXX XXXX please be advised that I 've documented this call as proof that you 've been notified of this critical matter yet again, so without your prompt response sir I may be forced to make a decision that will impact you directly. Again my name is XXXX XXXX, I could be reached at XXXX ext. XXXX.
Since GM Financial switched payment systems and companies they have failed to process payments. 
I have spent HOURS calling them trying to get my payments posted. Every month I spend more time researching my account, payments, calling them, following up, getting proof of payment and all but BEGGING for them to post the payments. 
My account is in a constant 'overdue ' status when its paid via electronic check every month. 
I was assured last week the issue was resolved, yet again, they failed to apply my payment from Thursday XX/XX/XXXX. 
I've worked with XXXX XXXX however he's just a facilitator to an endless cycle. I've lost time at work, I've lost sleep, I've had XXXX over the countless hours spent in nearly THREE MONTHS of this mess.

If this is not resolved, I will have no choice but to seek relief through court. I don't know what else to do. 
Also, this is the second complaint I've filed with the CFPB, the first complaint was 'closed by the company ' reporting that they fixed this issue. Clearly that was a false statement. 
Please do not permit this complaint to be closed without my confirmation that they've actually cured the issue. 
Thank you
On XX/XX/2018 I made a purchase at XXXX XXXX for a total of {$17.00}. I inadvertently missed my payment which was due on XX/XX/2018 due to being in XXXX. I was charged a fee of {$17.00} plus {$2.00} interest for a total of {$19.00}. On XX/XX/2018 I was charged an additional late fee of XXXX and XX/XX/2018 an interest charge of {$2.00}. On XX/XX/2018 when I go back stateside XXXXXXXX XXXX  received a payment of {$62.00}. I called XXXX XXXX on XX/XX/2018 and after explaining the situation in addition to the fact that I have a good history th I was credited the following amounts by customer service. I was also told that this would not be reported to the credit bureau as they do not report until a payment is more than 90 days late. 
I was credited by XXXX XXXX the following amounts XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX Which currently leaves my card with a credit to my account of - {$45.00} New balance Minimum payment - {$45.00} DO NOT PAY Currently all 3 credit reporting agencies including XXXX, XXXX and XXXX are showing that I had a late payment 30 days to 90 days despite the fact that I was told that this would not be reported to the credit. The three credit reporting agencies are also showing that my balance is {$0.00} instead of XXXX XXXX owing me {$45.00}.
Bank of America has continually, after many conversations with them, in branch and on the phone have refused to work with me on their fee schedule and/or finding a better account of mechanism of which to manage my money at their bank. Virtually every service has an account fee, up until recently even going to the bank counter. Its been an unfortunate experience as a student and somebody not yet making a significant amount of money, bank fees this year resulted in 2.5 % of my income being unusable by me.
Diversified Consultants is currently reporting on a debt, in the amount of {$670.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to XXXX. XXXX XXXX XXXX does not own the debt. I have a contract with XXXX not Diversified Consultants.
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX/XXXX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you 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 within the required XXXX period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( XXXX ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy  of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not  furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX03 ( p ). 
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )
I have an American Express Hilton HHonors Card since XXXX, 2017. On XXXX, I add XXXX authorized cards for my family through XXXX spending offer for adding authorized cards. The offer was " add an authorized for XXXX Hilton HHonors Credit Card, and spend {$500.00} in three months, receive XXXX Hilton Honors, up to 4 additional cards, up to XXXX bonus ''. After we received these four cards, I activated them through Online Chat with the help of one specialist. And in the next one month, we finished all the spending request on these four cards. We should received XXXX Hilton HHonors. But we only received one XXXX points on XXXX XXXX. I tried to chat with one specialist, he said I need to wait for 6 weeks. 6 weeks later, still not the left XXXX bonus. I online chatted again, and someone help to submit a investigation on my points and said it would be top priority and will finish in days. About one week later, I connect XXXX through online chat again, and this time the SP said there will be not XXXX points for me because the left 3 authorized were closed by XXXX. How would that be? I applied through XXXX authorized card offer and activated them by the help of XXXX and finished all the spending request. But only give me one bonus, and then closed the other three ( Before XXXX closed them, we already finished the spending request ), I also connect them several times, and did n't help me solved the problem. Lied to me, did n't give me the other XXXX HHonors and even closed these three accounts! How can I trust XXXX next time I need to open authorized cards for my family?
My Citibank double cash rewards card was stolen on XXXX/XXXX/XXXX along with my XXXX XXXX XXXX at XXXX night club in XXXX XXXX, XXXX I saw multiple fraudulent attempted charges on my online account for {$3100.00}, {$2100.00} and {$530.00}. There was XXXX successful fraudulent use for {$1000.00} in the form of quasi cash at XXXX XXXX XXXX XXXX. I did not give permission or authorize anyone to use my credit card or my driver 's license. I notified Citibank who cancelled my card that same day and I went to the XXXX XXXX XXXX Police Department station ( XXXX XXXX and filed a police report. I flew back to XXXX without an ID on XXXX/XXXX/XXXX. I obtained a duplicate driver 's license on XXXX/XXXX/XXXX. A detective from XXXX attempted to contact me at my work and on my cell phone after XXXX weeks, unsuccessfully. I left a voicemail on his voicemail with everything I knew about the charges i.e. and did not get a return call. I was contacted by citibank security operations person handling my case, a XXXX XXXX, who was not professional or helpful and closed my case without proper time to submit evidence. She reported they had enough evidence it was me who made the fraudulent transaction but stated their evidence was confidential so I did not have access. The fraudulent charge was placed back on my account {$1000.00} in last last 48 hours.
BMW Financial Services Account opened in XXXX at payment of $ XXXX60 months. 

In XXXX of XX/XX/XXXXaccount was at 60 days past due and facing repossession. Requested deferments to get account back on track but was denied. Vehicle was recovered in XX/XX/XXXX by BMW Financial and sold at auction. Total deficiency balance was {$2100.00} The {$2100.00} balance had shown as recent as XX/XX/XXXX on my credit. After that, the entire line item disappeared with no trace of BMW Financial ever occurring. There was no amount being reported and furthermore, no payment history whatsoever of any sort. On XXXX XXXX, a check in the amount of {$470.00} was issued to me with a reason of " miscellaneous. '' As of today I have spoken with a Sr. Recovery Agent at BMW Financial who informed me that the {$470.00} was for over payment. When questioning this as to why I would receive a check back if I still owed anything, I was told that a recent internal audit had determined that my account may not have been handled in accordance with all laws and in order to prevent anything in the future, BMW Financial went through the motions of removing all trade lines from my credit profile as well as to post a credit to my account in the amount of +/- {$2600.00} resulting in me receiving refund of {$470.00}. When asking for further information in regards to the accounting errors found in the audit, I was informed that I was not entitled to anymore information. When questioning why the line item was removed from my credit report, I was told that BMW Financial is not required to report to any of the credit bureaus. Furthermore I was told that I should be grateful BMW has not reported anything whatsoever on my credit going forward.
I began making payments on a Capital One/Yamaha Account. I made my first payment in XXXX XXXX, 2015. Unbeknownst to me, my due date for this account was the XXXX of each month. My XXXX XXXX Bill Pay was sending the checks on the XXXX, but they were not received until the XXXX or XXXX. I have just realized that Capital One has been charging me {$35.00} a month for the past 24 months at the tune of {$840.00} + interest. I feel like I have been taken advantage of. They will not forgive these late charges.
My husband has been having issues trying to work with Transunion to fix his consumer report as it contains incorrect information from XX/XX/2014. 

My husband asked me to review MY OWN personal CONSUMER file with Transunion. After many follow up, I finally received MY report from Transunion and I also see the same error that was in XX/XX/2014 in MY OWN CONSUMER FILE. 

Basically, the housing court case from XX/XX/2014 should have never been entered into the Transunion database for my consumer file because the case had a court stipulation that expunge the housing court cases from the tenant screening company ( including Transunion ). However, Transunion failed to prevent incorrect information of mine to be entered into the database. Also, Transunion does not have a system to screen out incorrect information in its database that is now hurting consumers like myself. 

Transunion also heavily relies on personnel located outside of US who does not have expertise in dealing with the stipulation and how the court case should be expunged.
Dear  Sirs :  On  XXXX  A check was sent to you  (   XXXX .  XXXX   XXXX   XXXX , GA  XXXX  ) in the amount of {$20.00}. Check sent back the next day  XXXX   XXXX  and credited back to my  XXXX  Bank account.  XXXX   XXXX  check sent to you in the amount {$96.00}. Check sent back  XXXX   XXXX ,  XXXX . I 've sent a list of checks that have been sent to you with no problem  XXXX / XXXX / XXXX   XXXX . Please remove late charges  last two  months and re instate my credit card.