WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2013 my husband was terminally ill. We had a modification thru Chase XXXX. The XXXX balloon is due this XX/XX/XXXX. I have tried modification twice with them..No Go. When I questioned the Chase Rep about balloon. I was told I could re modify. Now foreclosure is looming and Chase will get my hone valued at XXXX for XXXX. My question how can a coustomer in in financial hardship expect XXXX years later to come up with XXXX. I feel that Chase didnt explain the process and took advantage of my hardship.
I applied AMEX platinum credit card through promotion offer. The offer term is receiving XXXX AMEX reward points after spending XXXX dollars within 3 month of card opening. I did my spending using AMEX card and achieved the spending requirement within 2 month of card opening. I received the reward points on XXXX XXXX 2016. However, AMEX freezed the point from using and deducted the XXXX points from my account on XXXX XXXX 2016 without providing a satisfactory explanation.
XX/XX/XXXX XXXX XXXX, XXXX pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. On XX/XX/XXXX I filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing. 
Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XX/XX/XXXX, XXXX, XX/XX/XXXX,. A alert was supposed to be put on my credit reports for 90 days. 
From XX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( XX/XX/XXXX, XXXX ) and they could not release information because some of the information did not match what I what information I had. 
However, they still put a Hard Inquiry on my XXXX, and XXXX credit reports. on XX/XX/XXXX a total of three times in a matter of a three-month span time. 
As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up my credit report.
I have been in a debt since XX/XX/XXXX paying mostly interest charges so I joined national freedom relief XX/XX/XXXX. XX/XX/XXXX, I was served papers at my work for XXXX of the cards.. I found out that they only worked on XXXX out of the XXXX cards I put in, and in that process their fee was {$2500.00}. I was so angry and upset. On XXXX XXXX, XXXX, I made an agreement with XXXX of {$100.00} a month to be paid on the XXXX of every month. I tried to make the next payment and they are saying that the agreement was for {$200.00}. I tried to explain that {$200.00} is too much. Of course they do n't care and told me that I have a judgment against me from XX/XX/XXXX..and now I broke the agreement. I explained that I had told her {$100.00} and theyre telling me I said {$200.00}.
My credit report was negatively impacted by the close of this account. Wasnt made aware that the company prompting to close my credit account would affect my credit.
This dispute is with Cash Call Check Cashing /XXXX XXXX CA XXXX. I had a payoff amount of XXXX. 
I the co- signer was in a serious car accident XXXX/XXXX/2014 and the car was a total loss. I was the co-signer on the account. The insurance Co. and Gap Insurance Co. paided the car off which left a balance of XXXX, in which I owe XXXX. The company is refusing to write off the balance on my credit report until the XXXX of interest is paided off. This is rueing my chances on getting another car. Before the car accident I loss my XXXX XXXX 2014 and fell on financial hardship as a co-signer I was trying to work out a two month deferment for XXXX and XXXX 2014. The customer service agent I was dealing with was threating and rude only worrying about getting the payment instead of working out a deferment or giving me any help. Just giving me the run around, delays, and had no intention on giving me a deferment. Half of the reason why I had the car accident was stress from the harassment for payment. I was hounded by this company calling me even after I answered the phone, pleading with them for help, ( mind you I was only two months behind ). They called at least 5 times a day with threats and rude staff whom contacted me. The company did not even give me credit for the payments I had already made on my credit report, in which I found this out when trying to purchase a car, The car company showed me the negative marks on my credit report. this is when I out found what kind of company I was dealing with., this is a Check Cashing Company, which after dealing with this company for the few months they were very rude and unprofessional.
Our company, XXXX XXXX , XXXX, acquired the assets, but not the liabilities, of XXXX XXXX on XXXX XXXX, XXXX. Early this year, a collection agency, Brown & Joseph, began aggressively contacting our company regarding a debt from an advertising contract between XXXX XXXX and XXXX XXXX ( an advertising company based out of Utah ). On XXXX XXXX, XXXX, we received a letter from XXXX XXXX of Brown & Joseph demanding that we pay the debt or they would pursue legal action against our company. We informed XXXX XXXX in a letter on XXXX XXXX, XXXX that the contract preceded our acquisition of XXXX XXXX, and since we did not acquire the liabilities of XXXX XXXX, we do not owe any money. However, the harassment continued. 
On XXXX XXXX, XXXX, we received a letter from XXXX XXXX of XXXX XXXX XXXX , XXXX, stating that the account had been referred to them in order to facilitate the appropriate litigation procedures. We responded to XXXX XXXX in a letter on XXXX XXXX, XXXX informing her of the reasons we did not owe the money. We also informed her that if our company continued to be harassed about the debt we would file a complaint with the relevant government agencies for violation of unfair business practice laws. XXXX XXXX responded by sending a letter on XXXX XXXX, XXXX in which she threatened to file suit if the debt was not paid within five days. 
Being that neither collection agency would address the facts of the situation and that they refused to stop harassing our company, we sent a letter to XXXX XXXX in the hope that they would instruct the debt collectors to cease contact. We have yet to receive a response from XXXX XXXX, and the contact has continued. Our company has continually been harassed by these collection agencies despite having no factual basis to do so. None of the companies have addressed our contentions or have been willing to speak with us regarding the factual history of the debt. We have no other option but to solicit your help in resolving this matter and ensuring that these business practices do not continue in the future.
I have been in contact with Capital One via phone, mail, and email regarding late payments that they have reporting on my 2 open accounts. I have requested that they provide me with more information than " we have researched and found that these late payments are accurate ''. They are reporting 8 late payments in 2017 for one account and 2 for 2017, I have requested documentation showing when the payments were due and when the payments were made, I also asked for the phone call to be reviewed when I made a payment arrangement to bring my balance down, as I was informed that the late reporting would NOT report if I made the payment arrangement and paid it on time ( I completed the payments prior to schedule ). And all I received was a letter indicating that " we have researched and found that these late payments are accurate ''. They have proved absolutely nothing to me.
I have a HELOC account with Citibank since XX/XX/2016. Last month, I went to its branch to pay off the balance which the teller provided the balance owed. I received a statement showing a credit balance. However, the bank charges me interest on a credit balance. I went to the branch and was told to pay off the credit balance. I did. Then the next day, I went back to the branch. I still owed them the same credit balance. I was now advised to borrow {$1.00} from my HELOC account to see if the glitch can be fixed. I do n't know if I 'm responsible for interest ( 4 % ) accrued from the loan amount of {$1.00}.
I regularly check my credit report, and i found this unknown account in collection. The company 's name is ASSETCARE LLC. The credit report says the original creditor was XXXX XXXX XXXX XXXX. I tried to contact the company, however, everytime i call the machine says its after hours so i have not been able to speak with anyone from the company. I am in the military, so I dont go to regular hospitals and i have not visited a hospital in years. The report says the account was placed in collections on XX/XX/XXXX. I filed a dispute with XXXX, and they replied back saying they updated my information, however, the copy of my credit report i was able to acces through their reply still has this account in collection. I called XXXX, and they said they will do another investigation. I am submitting this complain because I can not get in contact with this company, and i think its some kind of scam.
Hello, The 90 days late from XXXX XXXX XXXX is a mail error due to a windstorm which misplaced my family from our home XX/XX/XXXX. XX/XX/XXXX, after a one year sucessuful repayment rehabilitation loan program, XXXX XXXX sent new terms and agreement to a home I no longer lived and after they received returned mail failed to contact me further about the new terms with the company and hurt my credit after a serious family emergency which left my wife and child with no place to live. In XX/XX/XXXX, I discovered a 90 days late through credit monitoring. This force me to consolidate my loans and began repayment. I had no information on new terms for my loans and had a forebearance approved to keep loans current. Please assist with helping loans have the 90 days late removed. 

Thank You, XXXX XXXX
XXXX XXXX, with CFM Group, contacted our company via email attempting to collect for open invoices.

We requested signed Proof of Deliveries ( P.O.D. ) for the invoices before the invoices would be paid immediately and to contact the vendor 's district manager in regards to this matter. 

Ms. XXXX stated that invoices do not need a signed delivery verification. I stated that we have a written contract with the vendor requiring signed P.O.D. 's before invoices would be paid. 

Ms. XXXX stated that she had a copy of the contract and that it states no such requirement. I asked for a copy of the contract to be emailed to me. 

Her email response : " I will just allow this debt to remain her in collections and on your credit as negative mark. Will not go back and forth with you in regards to your credit/debt. '' In conclusion, Ms. XXXX used lying tactics in order to collect this debt. 

If copies of the email correspondence are needed, please do not hesitate to request the correspondence from me.
I have several student loans from undergraduate and postgraduate programs. I wanted to go into the program for civil service repayment for forgiveness after 10 years of payments, because I am an XXXX   XXXX  XXXX. I called XXXX three years ago and was told that all of my loans had to be consolidated in order to go into the program. Though they had different interest rates, some were very low. So I went ahead and consolidated my loans. Then I applied for the program and was told that all of my previous payments did not count because I consolidate my loans. So not only do I have to pay more because of the higher interest rates, none of my payments counted for years. Also, they kept changing things so that none of my payments are in the right place to qualify. I feel like I am being ran around to just make payments for ever!
I filed Chapter XXXX bankruptcy and I have recently come out of it as of XXXX/XXXX/2016. While I was in the Chapter XXXX my mortgage company was GMAC. Since I have been out of my bankruptcy I have yet to receive any documentation from GMAC in regards to how to make my payment or who I should make it to. Right after I was out of my bankruptcy I went to refinance my mortgage. This is when I found out that my mortgage is no longer with GMAC, but it is with Ocwen. I have contacted Ocwen to find out when my next mortgage payment is due, but they are telling me that I am in an active Chapter XXXX ( which ended XXXX/XXXX/2016 ) and my payment is due XXXX/XXXX/2016. They are also telling me that they will not have any additional information until the Chapter XXXX payments have been processed and they ca n't tell me when this will occur. Furthermore they are telling me once it is resolved and they find out I am 30 days or more late, they are going to report to the credit bureau. This is not making sense to me since they are telling me that my payment is due XXXX XXXX, 2016 and they do not have any other date on file and if I go 30 days late this will hurt the mortgage process I am currently in.
purchased egift card purchased from Paypal Digital Gifts on ebayXXXX website was XXXX out. the egift card was for {$100.00} XXXX gift card. 

Item # XXXX Purchased on XX/XX/2016
I open an account at Wells Fargo in XXXX 2014. I open the account because I had direct deposit from my job, which the payroll department was Wells fargo. The first problem occurred when I did not get my direct deposit from Wells Fargo payroll the day I was suppose to like all the employees at my office. That caused over draft fees to my account. Then someone did a fraudulent activity on my account and I informed the bank. They had me open another account so they could direct my other direct deposit from my retirement. Another problem happen when the fraud activity occurred again the bank open my old account up to pay the fraud bills. I called and complained they said come down and move the money to the right account. I went to the Wells fargo in XXXX off XXXX. The bank manager transferred the money over to my new account. Little did I know about two weeks later the bank took XXXX plus dollars from my new account saying the teller made a mistake gave me too much money. More bounced checks, but no fees were taken for the fraud account. But now this is costing me money that they took for overdraft fees not thinking or caring about the mistakes they made. Now recently I started working a job. I got XXXX checks from clients XXXX was fraud they bank claims and they had the nerve to close my account causing my retirement check to be returned to the state of California. Now I can not pay my bills and all they can say is get me the dates and we will look into it. The bank make mistakes I pay for that I put in XXXX check and they say my account is closed and that is it They sent my check back and I went and open another account a business account and ask that the check be transferred there a bank rep that open the account for me tried to get it transfered but their lost prevention department said no.
I have been receiving numerous phone calls at my place of employment from MCM from a XXXX XXXX after I have advised not to contact me at my place of employment. I have not been provided in any letters about any debt resolutions form this company and I would like written verification and phone calls to cease at my place of employment. He has been calling from XXXX ext. XXXX
The home owner had medical issues and moved to XXXX. Her daughter and family stayed in the home and were responsible for paying all expenses. The son in law lost his job of 15 years and daughter lost her business due to the recession of the economy. They had tried to get assistance, however they tripled the attorney fees and they were unable to bring the mortgage current. They applied XXXX times for loan modification which they were told they lost and did n't get the paperwork. The home owner decided to put the home on the market which did not get any offers due to the marketing and pricing. I worked with the home owner for over a year and we finally dropped the price significantly and got a written offer which was submitted on XXXX XXXX, 2015 along with updating and complete all tasks in XXXX. I was told through an email on XXXX XXXX that they denied the short sale. NO EXPLANATION. I called the lender today since they were closed for the holiday and was told they did not have enough time to review the offer and will not stay the foreclosure date until they offer is reviewed. They did not even offer the home owner the option for Deed In Lieu or assistance to the tenants to relocate.
This leasing company has been the most unprofessional business I have ever dealt with. While renting from this company I have experienced the following issues : rats and rodents infesting the home within the walls and under the property, damaging some of our items that they never reimbursed us for ; breaking the lease they wrote by being non compliant with every repair. Upon move in the management company advised us that the roof had damage ( a huge hole ) which was not repaired for the first two months of the lease. Not to mention they had terrible plumbing issues that we had to beg them to come fix. I have had companies come over to fix electrical issues as well. They stated they would never do business with this company again. The company which is ran by XXXX and his wife ( unknown name ) is very unprofessional with their communication the wife caused open confrontations with us the tenants several times over the course of our lease to the point where we advised them that she was not to come to the property. They have also made up charges such as 500 % holdover fee. Which is not stated anywhere in our lease. They have turned this made up charge to a credit company to in return damage our good history, not to mention they took out deposit and also made up claims that just were not true. The last complaint is indeed true and I have a very similar experience. Also I have never heard from the collection company in regards to this debt. They tried to tarnish my good name and never sent me proof of anything.
I mailed a letter to Bank of America on XX/XX/XXXX instructing them to close this credit card account. I no longer use this credit card account, and do not leave any unused accounts open, for fear of fraud and misappropriation. Bank of America responded two weeks later, in a letter dated XX/XX/XXXX, that I have to call the Bank to effectuate this account closure. My letter and Bank of America 's response are attached. I always conduct my business in writing so that I have a precise record of communications. I do not have time to listen to recordings, navigate a phone tree, wait on hold, or hear reasons the Bank believes I should keep this account open or exchange it for a different credit card. Bank of America should have closed my account effective XX/XX/XXXX pursuant to my unequivocal written, signed, and mailed instructions, but seems intent on keeping my account open against my wishes. Please compel Bank of America to close my account effective XX/XX/XXXX, and to send me a letter confirming it was closed as of that date. The Bank 's deliberate delay is unacceptable. Thank you for your help.
Account DetailsLast Reported XX/XX/XXXXCollection Agency XXXX XXXXOriginal Creditor XXXX XXXX XXXX XXXX XXXXStatus ClosedOpened Date XX/XX/XXXXClosed Date -ResponsibilityIndividualBalance $ XXXXHigh Balance $ XXXXRemarks Paid collectionThis Medical balance was paid in full as of XX/XX/XXXX and I would like it removed from the collections category.
For fifteen years I have faithfully and on time paid my monthly mortgage payment via direct automatic debit from my checking account. The final payment was due in late XXXX. The servicer, Nationstar Mortgage d/b/a Mr. Cooper, did not debit my account for the final payment. I was told that they would only accept payment by wire transfer or cashier 's check sent via overnight mail. I have reviewed my mortgage and do not see any terms that would allow the mortgage holder or its servicer to place such onerous restrictions on the payment modality ( restrictions which will cost me money ). 

The company has also now assessed a late fee. In addition, the final payoff statement includes a recording fee of {$60.00} ; again I don't see anything in my mortgage that would allow that to be charged ; it is a cost of their doing business. 

I have spoken to the company four times and every time the answer is " that's our policy ''. At the end of my most recent call ( XX/XX/XXXX ), I was promised that a manager would call my cell phone to discuss the matter within two hours. Over a week later I have never received a call. 

I wrote to them twice ( attached ) and have not received a substantive response. They have me over a barrel - I can't in good conscience make my final payment because they are making it so hard to do so - both method and amount ( I question their statement ). You will note from the attached correspondence that they will not respond to me for over a month - by XX/XX/XXXX. That puts me another month past due, and of course I have legitimate concerns about their reporting me to credit bureaus I believe that the company is engaging in unfair trade practices by forcing final payment by restrictive and consumer costly methods, adding a recording fee, and not answering my good faith questions. 

Please review the attachments. They document my good faith efforts to engage and their
i am filing a complaint against u s bank home mortgage.took XXXX and a half years to get our mortgage modified. with the lost papers miss filed papers and lack of them calling back after several messages left with questions about the papers and lost documents to allow my wife to talk to them because i was working. leaving messages etc. then told the dead line past re file again. we stoped our payment do to this so the mortage went from XXXX to XXXX as a result of this. and yet they now as of we finalized it all in XXXX of this yr and they marked that payment late on my credit. when XXXX payment was XXXX XXXX and are now say my escrow is XXXX dollars behind and i have a letter that states we owe XXXX thought this was clean slate fresh. nothing to pay in the rears cuz we have a mortgage over XXXX hire then we started. they get angray when we call hem out on it and they say my house ins is behind when it came out of my bank auto pay till they took it over. etc. i need help trying to figure out how they can duble charge me higher mortgage and behind escrow there wrong and we cant afford all this the house it not worth what there hitting us with ..
Our business has between 1-3 business checking and savings accounts ( I believe ) with Key Bank. The member who had sole access to the accounts died XX/XX/2016. XX/XX/2016, the business voted on a resolution to allow me access to the accounts. XX/XX/XXXX, I met with XXXX XXXX at the XXXX XXXX branch of Key Bank with all the documents my estate administration attorney advised. Almost two months later, there is always an excuse : unexpected training, illness, the only person who can help is in XXXX, etc. I even have XXXX of the account numbers, and need access. The business has come to a halt while I continue to wait for Key to make progress.
To whom it may concern. In contacting the original creditor XXXX XXXX and Contacting a collecting agency who acquired my debt. There is no record on file showing they own a debt I need this removed as this is damaging my credit history.
In XX/XX/XXXX I paid off through s company about XXXX to an XXXX XXXX XXXX  debt collector They said if I paid the lump some around tax time (XX/XX/XXXX/XX/XX/XXXX ) that the debt would be cleared and that they wouldnt be going after me ... .. 

A year later XX/XX/XXXX I tried to open an account and they said ( XXXX XXXX XXXX ) that I still owe about XXXX $ How is that if I paid their collectors XXXX in XX/XX/XXXX and was promised that the debt would be cleared?