WillisBack/dataset-financial-user-claim huggingface dataset:
Please see the below letter, written by my wife, regarding the HORRIBLE EXPERIENCE that we are having with Stearns. It's an absolute joke, the time and effort we have had to put into trying to get back penalties that we were forced to pay when we had to pay two tax bills out of our own pocket. Isn't that what escrow is for? We have been MORE than patient with Stearns, trying to get our funds back. We are at the end of our rope and don't know what else to do to get the situation resolved. If you have further questions, please feel free to contact me via email or phone. 

We have had a bad experience ( since XX/XX/XXXX ) with Stearns making sure our taxes are paid on time with our escrow funds. It has been very hectic and stressful following up with Stearns as many times as we have, trying to get the situation resolved. It started in XX/XX/XXXX when we were mailed a surplus escrow check that was over {$5000.00}. We immediately knew something was wrong and called customer service. The agent we spoke with ensured us that the check was correct, stating all of our three tax bills for the year had been paid. We cashed the check but knew the situation was not correct. In XX/XX/XXXX, it was brought to our attention that we had a large tax bill that was so past due, it was in the penalty phase. We contacted Stearns right away, asking that the bill be paid as soon as possible. Customer service asked us to submit a copy of the bill and we did so. We gave Stearns some time to review the bill and pay it. By this time, we were into XXXX and the bill still hadnt been paid. We became concerned the bill wasnt going to be paid before XX/XX/XXXX, when the bill would have gone to collections. So, we ended up paying the tax bill out of our own pocket, using the money from the escrow surplus check we received. In addition to this, we had to pay for all of the penalties that were associated with the bill. In addition to this, there was another tax bill that Stearns failed to pay. It was a much smaller bill, but it was also late and had late fees associated with it. I also paid for this bill out of pocket. This was an interim tax bill that Stearns claims they arent responsible for paying. However, I have spoken to agents at the tax office who said that IT IS Stearns responsibility to pay interim tax bills. The total for the penalties alone, between the two bills, was around {$800.00}. To date, XX/XX/XXXX, I have been trying relentlessly to get these penalties refunded to me. So far, not a single customer service agent has been able to explain to me why these tax bills werent paid on time. I have called Customer Service numerous times and continuously get the run around agents promising to call me back with follow up information or saying they will have their supervisor call me and even saying the tax department will reach out to me to get the situation resolved. Im at my wits end and dont know what else to do. Im fed up with the whole process and lack of communication that Stearns has provided me with.
I have had a loan with Suntrust Bank for about XXXX tears at least. My principal never seems to go down. I have been watching it very closely for this year. I have another mortgage, and calculate correctly to within XXXX cents of principal and interest on each payment so I know its not me. But with Suntrust I am always off between $ XXXX {$30.00} per month. I have talked to them every month about this, and cant seem to get a straight answer. even when the branch does the math with me they come up with what I come up with, and the send in a ticket to have it fixed, but it never happens. Example. A payment was made XXXX XXXX, 2015, of {$300.00}, $ XXXXwas principal, {$200.00} interest. loan bal was {$29000.00} and rate is 7.840 apr. Next payment was made XXXX XXXX, 2015 for {$300.00}. their break down is {$110.00} principal and {$180.00} interest, bal is {$29.00}, XXXX. Next payment made is XXXX XXXX, 2015 of {$300.00}. this entire payment went to interest and balance due {$29.00}, XXXX. I do n't know how this could be? And they can not explain it. I make my payment early. over pay the payment amount. There are months that I pay in XXXX days and it seems that i get charged for XXXX days anyway. I dont know whats going on with them and I need help. They just do not make sense. I have XXXX loans with different rates, different balances, and when i do the per day cost, and add it up, i 'm on the money every time, but suntrust i am way off from what the come up with, and i never can get a reason.
I 'm making a complaint against the incompetent organization, TransUnion. I 've provided the proof required to show that they are reporting XXXX different public records incorrectly and I am including a copy of my credit report in the attachments ( see page XXXX - public records ). 
Here is the body of my letter to TransUnion : XXXX XXXX XXXX All XXXX bureaus have the wrong open date for this account and how can the correct open date be XXXX/XXXX/13 and XXXX/XXXX/13? Not possible. You also have the date that this account went negative incorrect. I need for you to send me the proof immediately or it needs to be removed. 

XXXX Recorder of Deeds XXXX # 1 you have " paid tac lien '' as the title of this one - what is that supposed to mean? 
# 2 you have `` county clerk '' for the court - which county clerk? 
# 3 I 've already made complaints to the CFPB and I 'm including this with my letter! 
# 4 the filing date that you have is not right - unless you have the paperwork to prove this, I need for you to remove it US BK CT XXXX # 1 you have the wrong filing date # 2 you have " us bankruptcy court '' - which bk court? Which city? Which state? 
# 3 the docket # that you have is not complete
XXXX XXXX has placed information on my credit report without sending me a dunning notice or validating the alleged debt when requested. I have sent two letters via XXXX with signature confirmation ( Tracking : XXXX & XXXX ) indicating that no communication what-so-ever was received from XXXX before the unvalidated information was placed on my reports. XXXX does not respond, nor have they corrected my credit report. Please note : From XXXX The management of purchased assets is outsourced to a third-party specializing in the management of these types of consumer assets, Resurgent Capital Services LP ( Resurgent ). Resurgent is a manager and servicer of domestic and international consumer debt portfolios for credit grantors and debt buyers, including XXXX, and performs these services on their behalf. Resurgent, a licensed debt collector, may perform these activities directly, or in most cases, will outsource the recovery activities to other, independent, specialized, licensed collection agencies.
This is why the complaint is addressed to Resurgent Capital Services LP.
I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it vey difficult for me to acquire credit.

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible : 1. XXXX XXXX : XX/XX/XXXX 2. XXXX XXXX XXXX :XX/XX/XXXX 3. XXXX XXXX XXXX XXXX : XX/XX/XXXX 4. XXXX XXXX XXXX : XX/XX/XXXX 5. XXXX : XX/XX/XXXX6. XXXX XXXX XXXX : XX/XX/XXXX 7. XXXX XXXX XXXX XXXX : XX/XX/XXXX 8. XXXX XXXX : XX/XX/XXXX 9. XXXX XXXX XXXX : XX/XX/XXXX10. XXXX XXXX XXXX : XX/XX/XXXX
Company FBCS , inc XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX PA XXXX Repetitious phone calls and letters to annoy and harass Constant harassment
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.
In XXXX of last year I received an offer in the mail for Castle Payday and was approved for a {$600.00} loan. It did not say anything in there about the 850 % interest rate.I received the funds and now every month since then they are taking out {$140.00} from my account. I have so far paid {$1800.00} on a {$600.00} loan. They have also changed their name now to bigpictureloans.com. I feel they are a predatory lender.
To whom it may concern : Your company really needs to do more to investigate, correct the problems occurring with Equifax. The fact that this company still continues to operate is UNBELIEVEABLE! I have contacted Equifax NUMEROUS times starting in XX/XX/XXXX when I noticed my credit report/score appeared to be frozen without any  movement since XX/XX/XXXX. One of my creditors advised that it sounds like I could have a Split File. 

Most recently, I have contacted Equifax XX/XX/XXXX and sat on the phone for 42 minutes with someone who could not understand me, nor help me. I was transferred to a US representative who STILL could not assist me w/ a possible Split File. I've even spoken to representatives who do not even know what a Split File is. I was told my issue would be sent to escalations and I would be contacted ... I have not been contacted. I again contacted Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX trying to get answers as to why and how my file has disappeared. Now my bank can not monitor my remaining credit files because of Equifax! 

On both XX/XX/XXXX and XX/XX/XXXX I spoke with Supervisors. XXXX on XX/XX/XXXX as well as XXXX. XXXX confirmed there was no freeze on my account ; however, she could not access my report at all. XXXX then proceeded to tell me she was escalating my issue to the Corporate office. I still have not been contacted for assistance finding my file. On the previous days, my file was accessible. Now all of a sudden IT IS GONE?!?!?! I attempted to apply for credit and was told my file contained incomplete or missing information. HOW IS THIS POSSIBLE?! OR LEGAL?!?! 

WHY ARE YOU PEOPLE NOT DOING MORE TO HELP US?! Equifax holds our most personal and financial information ; yet, they are allowed to continue to operate in this manner? PLEASE DO SOMETHING ABOUT THIS as this CAN NOT BE LEGAL!!!
Hello, this is regarding a medical bill debt. I was just informed of  XXXX  debts I owe to Crme financial services. These debts were taken care of to my knowledge in  XXXX . I never received anything to say otherwise and when I did I paid the bills. Moreso crme informed me I still have debts from  XXXX . The statue of limitations is 4 years ... on my credit report it says opened  XXXX   XXXX  and placed in collection  XXXX   XXXX  however I was not notified ever of any outstanding bills with crme.
My Private Student Loan Company Navient will not work with me on making smaller payments. My co-singer filed for bankruptcy and they did not remove him from the loan. I made 24 consecutive payments and tried to take him off and they still wont. He has XXXX and can not help with payments. I tried to tell them how much i could afford each month but they said that was not good enough. They want a payment that is out of my range of income. When I was making the payments they where coming out of my bank account automatically it ended in XXXX. They started calling me and telling me i was late with payments when it was automatically coming out of my bank. Well my payment arrangement ended in XXXX and I did not know that so they started charging me late fees that racked up my payments. They like to talk in terms that I do not understand and are not willing to work with the payments that I an afford.
XX/XX/XXXX XXXX. I live in XXXX, XXXX and am covered by our medicare program through Medicare/Medicade known as the XXXX XXXX XXXX. Although I have to go to an in network general practice doctor in the event I suffer a medical emergency ( I.E. Being taken XXXX from my hotel room to XXXX XXXX Hospital where I XXXX ) my XXXX XXXX Plan provider ( XXXX for short ) pays XXXX % of all the costs, regardless of where this hospital is located. In this case it was XXXX XXXX in XXXX, XXXX. 
I did not even know my name or if I had a girlfriend or really anything else for that matter for another few days. When my family found out what had happened they traveled immediately from XXXX to XXXX and kind of help me piece everything together. When I discharged from the hospital 6 days later I went to the business office and explained to them that I had medicare/medicaid through XXXX Family Care and thats who they should bill. They said they would and that was the last I heard of it until last Friday, XXXX XXXX, XXXX XXXX contacted me to tell me my credit score had fallen XXXX points. Apparently the hospital had failed to bill XXXX XXXX and had placed the bill for collection. I tried to get a copy of the bill mailed to me, the hospital refused to do so saying I needed to come in person. Trying to explain I live in XXXX, XXXX and so that was not possible-apparently the address they had on file was the XXXX XXXX where the ambulance picked me up from. Security had held onto my wallet with the rest of my luggage so the day I was released I litterally had to use loner clothes from the lost and found to travel from the hospital to the Hotel. The next morning though, my girlfriend took me back to the hospital so that I could give them my insurance information. 
I tried reasoning with the collections people telling them this was a billing error on there end! People like me that have medicare/medicade have XXXX copays for everything! The Dr. is free, my meds are free I do n't even have a copay and emergency medicine is FREE! I gave them my member number and the phone/fax of Family Care on XXXX XXXX, after speaking with them they say they where never billed! They assured me that if billed they XXXX would have been paid long ago. Meanwhile, I am suffering terribly from this collection destroying my credit. I no longer qualify for car loan i was prequalified for, my credit card companies will raise my interest rates, etc etc. 
This is XXXX not billing my insurance company and then placing me in collection. I ca n't get a copy of my bill unless I fly down there myself to retrieve it in person. That 's a XXXX mile round trip! I offered to send them my driver 's license, ss card, utility bill and they would still would not mail my bill. As of today, XXXX/XXXX/XXXX they have not faxed nor contacted my insurance company. The collection company is reporting a bill that that they have been made aware of is a billing error on their end, not me refusing to pay and yet they continue to report this information to the credit bureaus. It 's just wrong.
I just checked my credit reports and see this collection that reported on XX/XX/XXXX. I have recently been discharged from chp XXXX and all my accounts were included and on my credit report in the comments on this collection account it clearly states account in bankruptcy ... .I want it removed immediately it is false and the account was paid I was discharged from Chp. XXXX on XX/XX/XXXX and all my accounts were paid off and I need this account off my credit report within the next week ...
Essy money I have an loan out. Yes I 'm late 4 days. The first time someone called me from the corporate office I told them I would be in on my next payday which is XXXX XXXX she told me she could n't stop it from going to my account again. I said ok. She told me she would enter it in the system. Someone called me back to back the next day from a different number from the day before. I picked up and she asked if this was me.. I told her yes could I call her back I was with an customer at work. She told me no you can not. I asked who she was with and she told me easy money. I told her someone contacted me yesterday she interrupted me and tod me I needed to pay and I can use a debit card!! They need to get it together. I work for an loan agency when someone puts a promise to pay we can not keep calling them once we contact them. Unprofessional
On XX/XX/2019 @ XXXX, I went into a Western Union retailer ( XXXX XXXX ) in XXXX , GA. I intitially told the cashier the account number and the code city. The cashier put in the account number wrong as well as the code city. I have contacted Western Union on XX/XX/2019 around XXXX whereas I received a case number. I took the initiative and contacted the company it was mistaken sent to and they assured me they would send it back to western union. I called back to western union on yesterday XX/XX/2019. Western union told me I have to wait 24-48 hrs to receive the money back. So here it is XX/XX/2019 it has been 42 hrs later and I still havent gotten back my money. Its a little over {$1000.00} its my bill money and I need it back as soon as possible.
I created an ad on XXXX looking for a room. Someone named XXXX responded back stating he had a studio and to send his uncle ( who supposedly owns the home and lives in XXXX Illinois ) {$280.00} for this month. We were then supposed to meet up in XXXX to sign the lease ( I can provide the address ). I kept calling him and no answer. I called MoneyGram Customer Service and they said it was too late and they took all my money and there was no point going back to the store called XXXX XXXX XXXX XXXX XXXX where it was purchased. Grand total was {$300.00} w/ fees.
I sent a # of money wires to XXXX with the assistance of an employee of a Computer maintenace co, known as " XXXX. '' These wires were sent on the premise that i was enabling the recovery of an earlier scam by another entity, which was run through " XXXX '' on XXXX wires of {$1500.00} each With the assistance of the XXXX employee I sent money wires through XXXX XXXX XXXX ( XXXX ) for {$750.00} each ; : Wells Fargo ( XXXX ) {$750.00}. - {$600.00}. - {$240.00}. All sent to XXXX XXXX XXXX XXXX, Payable to payee, XXXX a/c # XXXX. 
A XXXX wire was sent through Wells Fargo in the Amont of {$240.00}, XXXX XXXX XXXX, Payee ; XXXX XXXX. Wells Fargo advises on XX/XX/XXXX that the wire has NOT been paid out. A recall has been issued.
I have been with XXXX XXXX XXXX for many years and in XXXX, 2015 they were bought out by XXXX XXXX XXXX XXXX XXXX. Many things have changed since that time in the way they do business. My bank account is tied to my XXXX account which I use a great deal for small purchases ( ie : {$2.00}, XXXX etc ). On XXXX XXXX, 2015 my online banking showed XXXX XXXX charges coming in that day totaling {$630.00} so I transferred {$1000.00} over to the account more than enough to cover these charges so there would not be any overdraft fees. On XXXX XXXX, 2015 I checked my online banking only to see that I had been charged {$260.00} for XXXX overdraft fees. Apparently a check for {$550.00} came in after hours of which I had no knowledge of and they paid that before the XXXX XXXX charges that were clearly showing during the day business hours. On XXXX XXXX I went into the branch and spoke with the XXXX regarding this incident. He informed me that the bank sets people up to fail by paying highest to lowest incoming items. He also informed me that this bank currently has a lawsuit going on against them for this type of behavior. He further more informed me that several other large banks around this area have already been challenged with this very practice and been forced to change the way they do this. He told me that XXXX XXXX would not change it unless the government forced them to because it is such a large money maker for the bank. If they would have use chronological time instead of highest to lowest as an honest way of calculating overdraft charges, I would have been charge only {$38.00} instead of {$260.00} that day. I also feel that charging a {$38.00} overdraft fee for a XXXX or even a {$10.00} charge is quite over the line. I have attached copies of my online banking showing this incident. This is not the first time this has occurred for me but I am a senior cistizen livng on a fixed income and feel that I am being taken advantage of. I appreciate any help that you can assist me with in this matter.
A letter dated XX/XX/2018 stated my account with Capital One was closed on XX/XX/2018. 
I called Capital One and was told a letter should have been sent to you one month prior to that date. The reason it was closed because I did not use the card in over XXXX years. 
I spoke to XXXX @ XXXX XXXX XXXX XXXX ext XXXX. 
She gave me a case # XXXX. 
I read all my mail and never received any correspondence regarding this matter.
Dear Sir, Madame, I am a client of XXXX XXXX. Just started trading cryptocurrencies in XXXX 2017. I have loaded my account with few minor transactions from my credit card, which went through straight away. I have then transferred the amount of XXXX XXXX EUR from my personal account in XXXX to their account in XXXX on XX.XX.2017. Until now the amount has not been received in my Coinbase account. I have contacted Support and opened a Case ticket with them. They requested my payment order and this is when they stopped replying to my correspondence. Because of the lost transfer, I have missed many trading opportunities. Kindly assist in getting the amount credited to my Coinbase account or refunded to my personal bank account.
I am a victim of the RushCard upgrade fiasco. My pay showed up finally on XX/XX/XXXX. I was not able to use my card, but the bill pay system appeared to work. Bill pay has always been quick in the past, so I used my entire balance to pay some credit cards and utility bills. 5 days later, those payments are still in " scheduled '' status, even though the money was withdrawn. Calls and emails to RushCard about this issue have not been returned. If they are n't going to issue the bill payments, then refund my {$1300.00} and let me withdraw that so I can close my account and go elsewhere. This is infuritating!! I 've been a customer for 7 years.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Capital Accounts. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas
Hello, I made an agreement with Navient where I would make monthly payments of {$250.00} a month. I was told by Navient that my interest would be reduced to .001 % and no interest would be accrued on the account as long as I make my monthly payments on time. I have made my payments on time since XXXX 2015. I have bank statements and confirmations from Navient as proof. However, Navient is reporting to the Credit Bureaus that my account is delinquent and that I have not made any payments. This is not fair as I have worked very hard to uphold my part of the new payment terms.
On XXXX/XXXX/XXXX I signed up for a free service called TrustedID sponsored by Equifax. I had locked and unlocked my credit report several times between the dates of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I requested to unlock my report as I am in the middle of a new mortgage and they are required to run my credit. When I clicked on unlock, it indicates " An error has occurred ''. I have called XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX over the past 7 days and have spoken to a supervisor in each of those departments. Thus far, I have been unsuccessful at getting my credit unlocked. This could cause me to lose my house and down payment. I need help!