WillisBack/dataset-financial-user-claim huggingface dataset:
multiple unauthorized charges from out of state company appearing on account. disputed charges with Compass. Compass added the charges back to account without providing me any information or documentation i asked for. such as who is billing me for what? the second unauthorized charges simply listed " services ''. services which i never received or asked for. 

customer service rep i9 could barely understand and could not understand me told me i can do notin for you. call da company. i said what company. it says services. Compass rep replied, " yes ... just a de call services and they will fix it right up for you ''. he handed the phone to another guy seemed like XXXX or XXXX tried to talk like a cowboy and said, " how-dee what 's the problem ''. i explained to the supervisor what i told the other guy. he said, yep, it looked like a legit charge to him. i said it was thousands of miles away from me and i did not make this charge. supervisor replied, " so what 's the problem then? ". 

you can take a horse to water, but you ca n't make him understand XXXX enough to be a credit card customer service agent. 

COMPASS BANK DOES NOT CARE ABOUT ITS CUSTOMERS. nor does it understand them.
During the week of XX/XX/2018, I had contacted American Express to enroll in a Payment Program in order to be set on a fixed 5 year plan to pay down the balance on each Account I have with American Express. According to American Express, I was authorized, and at that point, I agreed to start with an initial payment ( and subsequent payments per month for the same amounts ) of {$310.00} for the American Express Everyday card and {$30.00} for the American Express Blue Cash card. 

Both payments were collected. A few days later, I contacted American Express and was informed that due to a " System Issue '', I was not enrolled in the Payment Program and that they were attempting to collect, yet more debt ( even though I had already satisfied the first Sequence of payment arrangements due to my assumption that I was enrolled in their Payment Program ).
We paid off our Citizens Bank home equity loan in XX/XX/XXXX. We paid off our Citizens Bank HELOC in XX/XX/XXXX. Citizens Bank never sent us discharge notices. Citizens Bank never sent us the original notes stamped PAID. Citizens bank never recorded the discharges with the registry of deeds. Now, we are trying to refinance our current HELOC ( which is held by a different bank ), and we are blocked from doing so because the discharges for the previous loans were not recorded.
Hired to do a loan modification for our client. Submitted package via facsimile to Wellsfargo. When I called Wellsfargo to do a financial interview over the phone which is their normal procedure I was advised that my client can not be considered for any loss mitigation assistance as he has already had two previous credit decisions in which he was denied for a modification because affordability was not reached. Client was denied is XXXX and then again in XXXX. However, my client 's financial situation has changed and he should be reviewed for workout options to help him save his home. Per lender they can not review the borrower for any assistance based on Wellsfargo guidelines and investor guidelines due to the delinquency of his account. We would like for them to review our client and give them a decision rather than say that they will not even consider him for anything.
Residential Credit Solutions continues to charge {$52.00} late fees even if the payment is received on time. I have all bank confirmations of timely payment thru XXXX XXXX XXXX 's online bill pay and they will not reverse the charges. I 'm not sure how they ended up with my loan but it was sold to them.
I understand that I borrowed the money because my mom was XXXX so she is not able to work so I 'm helping paying the bills such as ( light, water, cable, insurance, food, phone and etc ) This company is very RUDE they do n't understand things happen. 

During my time with this company I received these comments : I told XXXX you werent going to payment but I guess he tried to believe you ( XXXX said that! ) I asked to not be called at my employment, ( I even sent an email handwritten to not call at my employment ) XXXX XXXX from the XXXX NC location called XX/XX/XXXX saying " Hey XXXX, are you going to make your payment '' I said I will call back on my lunch break please stop calling me at work '' this is so annoying! 

XX/XX/XXXX I called and ask the branch manager for the original copies of my contract I finally received them XX/XX/XXXX. ( I guess he stated he was busy ) I called XX/XX/XXXX to ask to why my charges are extremely high if I only received ( 3 ) checks in the amount of : {$1100.00} ( XX/XX/XXXX ) {$390.00} ( XX/XX/XXXX ) {$120.00} ( XX/XX/XXXX ) Which is ALL a total of {$1600.00} ( so your telling me it 's THOUSANDS of dollars in INTERST! ugh NO! ( explanation please! ) When I called XX/XX/XXXX I was on the phone with a sweet lady name XXXX and she could not figure out why my charges are extremely high. This company needs to be investigated. 

Then I get legal papers that say {$830.00} OWED, {$650.00} INTEREST {$9000.00} HOW! 

I 've sent an email to XXXX XXXX XXXX, XXXX ( Chief Administrative Officer ) XX/XX/XXXX with no reply or anything!
I mailed a check to my bank clearly marked " for deposit only '' with my signature and account # on the back of the check. It did n't show up on my bank statement. I called the bank and after several phone calls back and forth, the asst bank manager told me that the check had been cashed out. They surmised that it had been stolen and cashed with only initials under my name. But it was cashed at the bank I sent it to. They claim they never received it. And they have a policy of double endorsement -- that a second party could cash the check with proper ID. I asked for them to check and identify the teller. They said they could n't. More phone calls. I finally sent a letter to the bank 's District Manager asking him to verify their banking policy about " double endorsement. '' I did n't receive a response. He only referred the letter back to the original bank. I spoke to the bank 's manager and she said the check should have never been cashed, that I was a victim of band fraud. She came up with a plan to try to get my money back. After much legwork on my part, I got the bank where the check originated to file an " Endorsement Forged Affidavit and Agreement '' including a police report. This was sent to the bank 's security office. Months have gone by and I have not received any response. I have checked with other banks about their policies and I have been told that under no circumstance would they cash a check marked for deposit only to a second party, unless the first party was there in person to sign the check over to the second party! My feeling is that the bank who cashed the check made a mistake and they do n't want to deal with it and just want me to go away. I need help! I have copies of my correspondence with the bank, notes of phone calls, names of bank officials, etc. Thank you for your time.
On XX/XX/XXXX I received an email from " XXXX XXXX XXXX XXXX XXXX via XXXX '' informing me that XXXX was changing loan servicer from ACS to XXXX. This email was sent to " XXXX '' which seems to be a listserv they created for everyone who has a Perkins loan within the XXXX system. Someone else was able to respond to that email with questions, which blasted out to everyone. This violates privacy and data sharing practices. Additionally, much of the communications around this Perkins loan has been sketchy and has made me think that there is fraud involved. I was n't aware I had a Perkins loan until I received an overdue notice from ACS ( to my parents address, not to me ) which was written in a way that was intentionally misleading. I owed {$200.00} at the time but it gave me the full amount based on what would happen if I did n't pay, and told me I was seriously delinquent, even though they had not communicated anything to me earlier. This hit my credit score until I paid.
I have gotten into a financial mess, I admit that. Too many loans to handle. I contacted XXXX XXXX XXXX and I am trying to manage this problem. They sent out a communication to all the lenders with whom I have accounts. These were sent electronically so they were received immediately. This was notice that I was revoking ACH authorization. This was on XX/XX/2018. On XX/XX/2018, EMoney USA proceeded to withdraw a payment from my account anyway. Fortunately it did not overdraw my account and my bank returned the payment with a stop payment order. Is this legal?
XXXX XXXX  attempted to collect debt from a credit card I never opened in the summer of XX/XX/XXXX. I called them and explained I did not open that credit card. They sent me a form to fill out. I filled it out and returned it. They called and said they are discharging the debt.

Early in XX/XX/XXXX I received a letter from XXXX attempting to collect the debt. I called and explained it wasn't mine. They informed me they would put a dispute on my account. A couple weeks later I received a letter explaining they reviewed my account and determined the debt is correct. They included a letter that only states my " debt '' was sold to XXXX. I called and was bounced around and no one could help me. I even explained I would file a police report if it would end this situation. They are still trying to collect a debt that is not mine.
On XXXX a withdrawal of {$40.00} was made from our account at a Chase bank. It was not done by either person on the account and neither of us has lost our debit card or our IDs. The person was allowed to withdraw money without having even having the account number. When we saw the withdraw that day we called customer service and we were told we needed to go into the branch but they would not tell us which branch so we hung up and called again and the second rep told us which branch. On XXXX we went into the branch to file the claim and we were told that anyone could take out the money without ID, it just depends on the teller. They said they would get back to us in 5 business days and for us to take the money out of the account until there was a resolution. They also told us that we would only get to see the footage if we filed a police report. We filed the police report with the XXXX XXXX county sheriff. On XXXX they charged us a {$12.00} fee because our balance was below XXXX since they told us to take the money out. We called Chase back on XXXX and they told us it would take 30 days and that we would not get the fee reversed. And on XXXX we called them again for an update and we were informed that our claim was denied because the signature on the withdrawal slip was similar. They did n't even bother to call us. The teller said no cameras were checked and they only went off the signature. So this person walked in with no ID, no proof of address, no account number and walked out with our money and Chase wo n't even check the cameras but they will charge us a fee for doing what they recommended.
I went out of the country in XX/XX/2018 and told my ex business partner to make the payment on my chase card. He didnt do it despite having sufficient funds that I provided him to do so. I paid the card as soon as I found out which was before the 30 day deadline. It still ended up showing on my report. I called chase and told them this was incorrect and that they would remove this 4 months ago which they still havent yet. In addition to this, chase has been reporting every payment that I made since this date late even though I have not had ANY late payments.
I paid  XXXX  (   XXXX   XXXX   XXXX   XXXX    )  a sum of money whith they asked for and which they said would satisfy my debt in full.  XXXX  's received and cashed the check.  <P/>  One mon th later I received a letter from a second company which claimed that  XXXX  's (  XXXX  ) had sold the account to them and they attempted to collect on it. I disputed the claim but never heard back frorm the company.  <P/> Months later, a third company demanded payment for the same erroneous debt, claiming  XXXX  's had sold the debt to them. I told them the original claim had been paid to  XXXX  's years earlier. I received no response.  <P/>  XXXX  's, despite multiple attempts to have them rectify the situation, falsely continues to report money as owing to them and continues to damage and impair my credit reputation.  <P/> It is likely that  XXXX  's selling other erroneous claims to second and third parties and failing to make sincere and reasonable efforts to review their false, or possibly falsified records.
XXXX, XXXX, and Experian all have information on my credit report stating that the age of my credit score is between 1-3 years which negatively impacts my score. I have a paid off car loan that is in excellent standing that was opened in XX/XX/XXXXthat none of these 3 XXXX companies will put on there, BUT they sure will put information that's not mine like credit inquiries that don't belong to me and charge me for $ 75.00+ for experian.com or XXXX that I never signed up for. That in itself is fraud! They also will keep addresses on there that are not mine and names that aren't mine and credit inquiries that I never authorized. WHO MADE THEM THE AUTHORITY ON CREDIT SCORES??? AND BY THE WAY, they sure can let our personal info be leaked to every person on the big black web can't they?? They couldn't protect a dog collar 's information from a blind person in Braille.
XX/XX/2015My wife and I have a Mortgage held jointly. However we bank separately, she has a Chase account and I a XXXX account. We both write a check from our individual checking accounts to pay our mortgage with Chase, account number XXXX. 
On XXXX XXXX, 2015 my wife walked in the payment to a Chase Branch and handed both checks to the teller. A few weeks later we receive a letter from Chase telling us our account is delinquent. That XXXX of the checks, my check from my XXXX account, was an ISF check. I knew that was a lie because I had the funds to cover my check plus {$6000.00} worth of overdraft protection. More than enough to cover a {$770.00} check. I started to investigate and saw that our mortgage account was credited for the full payment on XXXX XXXX 2015, and then 6 days later it was reversed and labeled a " Misapplied Payment. My wife noticed her check cleared her account but my check was never presented to XXXX for processing. I called the Chase help desk and explained that my check was not an ISF check and asked where my check was. No one could tell me. They also said an investigation can take three weeks. I asked to speak with Supervisors and went through XXXX individuals, the last of which changed the alibi from a ISF check to that XXXX refused to process the check. XXXX told me my check was never presented for processing. Still no sign of my check. Now Chase hit my credit report with a negative post as being Delinquent. My credit rating went down by XXXX points from an " Excellent '' to a " Good '' rating and all of this without any indication of what happened to my check that was handed to a teller at Chase branch in XXXX New York. Meanwhile Chase had my wife 's check of {$770.00} and did not credit our mortgage account with those funds. I finally reached an Assistant Vice President by the name of XXXX XXXX. Within an half hour she saw that it was a Bank error and told me the scanner at the branch was not able to read the numbers on the check accurately and the teller should have realized the problem right away. XXXX XXXX told me that Chase would reverse all negative postings to my credit report and that all I needed to da was provide Chase with another check, which I did on XXXX XXXX, 2015. 
How can a bank hit your credit report in a negative manner without even concluding an investigation? I have heard stories of people have major problems with correcting errors on their credit report, is Chase going to help me with this problem if it occurs. Chase should be fined due to their lack of professional behavior with this issue. Labeling my payment as an ISF entitled them to collect fees and this was the first excuse for the problem which turned out to be an error on the banks part. Up to this date, I still do not have my original check, copy or hard copy. Should I put a stop payment? Is Chase going to pay the fee for the stop payment? Ridiculous, the public bails out these banks and they continue to behave in a way that only is to their benefit. I need them to be held accountable.
I never used the services of this medical group Amcol Systems.They ruined my credit by filing a open collection judgement on my XXXX credit report.If someone else used their services with my last name it was not me.I have never been to South Carolina
I was recently denied a mortgage, unable to secure a HELOC for home improvement and other necessities. Upon pulling my report, I discovered that my score has dropped drastically due to five months of this account reporting as 30 days late, although I have never once been 30 days late. This has been extremely distressing for my family.
When I struggled to repay this loan ( serviced by Navient ) after graduation, it defaulted and was forwarded to a collection agency, XXXX XXXX XXXX, XXXX in XXXX. I began making payments in the amount of {$250.00} each month without fail. To date, I have paid over {$14000.00}. I was offered a settlement by the collection agency for 50 % of the total amount - which has been paid. I have contacted Navient to discuss the resolution of this debt, and they have agreed that the {$14000.00} paid to the written-off debt is sufficient. Neither company will provide written confirmation. Additionally, Navient advised on several occasions that the co-borrower/guarantor, XXXX XXXX, would be released from his liability to the loan. In XX/XX/XXXX, XXXX XXXX was contacted by Navient and was inappropriately advised that the loan was active but past due. As stated previously, I am paying the loan on time each and every month to the collection agency.
Chase Bank restricted my account, without any notification to me. Then says they are going to close it. When I called on XXXX, the lady implied that the closing of my account would be in a few days. Then I 'd receive a cashiers check in the mail within XXXX to 10 business days. I called in today to get a status and the lady told me pending the closure of my account, I 'd receive my check in XXXX to 10 business days. I demanded to know when my account would be closed by Chase and she said it 's scheduled to close on XXXX XXXX. Then in XXXX to 10 business days from that date, they will mail my check. All my money is in there, I have no resources to pay my portion of rent, food, gas, ANYTHING. I did not want to close my account, I have no idea why this is happening. This is unjust and they are going to put a family on the street and can not even give me a reason why they did this. Nobody has the right to hold ALL someones money.
I fell behind on my mortgage when I went through a financial hardship from a divorce. I requested a modification through the mortgage company which was denied. Every month a payment was made but after the mortgage was 3 months in arrears, however, on my statements every month there was a charge of $ 12.50- {$22.00} for home inspection fees that has now accrued to {$510.00}. I feel that is an unnecessary fee that the mortgage company has charged. I have managed to obtain a contract to sell my home before it goes into foreclosure and that fee has been included in the final payoff of my mortgage. There was no benefit that I as the consumer received from this fee. I believe this was free money that the mortgage company was able to gain at my expense. This an unfair practice that should be investigated.
I have a house loan with Greentree now called Ditech but still have ongoing issues. 
If I send more money than my payment and ask it be applied to my principal they just place in other account and it does n't decrease my payment. I have to call each month and ask them to place the funds against my principal. 
I had XXXX loan had so many issues I paid XXXX off. I dont want to pay off this XXXX loan with low interest. But it appears they want to force me to. 
Greentree/ditech should not be alowed to seervice loans. They are costing me money. 
Now XX/XX/XXXX they call me saying I 've not paid my house pauyment but I knew I paid it on XXXX XXXX. When I call back to talk to comeone they claim my account is closed. I try to make the lady understand I had XXXX loans XXXX is closed and the other I pay to. I gave up. 
Then the account manager a rude XXXX lady calls me today XXXX XXXX, 2016 yelling at me that Ive not paid my payment. My balance is XXXX on this loan and the house is worth XXXX.+ She claims to be my account Manager but refuses to allow me a moment to look up my payments on my computer. After she hangs up I look it up and call my bank. I paid {$720.00} on XXXX XXXX, 2016 as always by bill pay no changes made in account information where payments were applied in the past 2 or more years other than diatech added to the name. 
The bank showed that on XXXX XXXX, 2016 that Ditech returned the electronic payment. 
The they call me chewing my XXXX when they refused my payment??? 
This company had issues before changing their name. A name change doesnt change there ability to manage loans. 
This need to be addressed immediately. 
Thank you XXXX XXXX
I was taken to the hospital via ambulance after being involved in a car accident. I was on XXXX VA XXXX from a follow up of a surgery, when I was in a car that was struck by a speeder on the side of the car where I was sitting. The impact XXXX I had at the VA hospital. I was taken directly to the emergency room, my mother was with me and told the doctor I am a veteran, I also had on the wristband from the VA hospital because I was on my way home before being in the accident. I never made it home, obviously. 
So months after the accident I received a call from a collection company about this bill. I told them they must have been mistaken because I was a passenger in the vehicle, and the insurance was supposed to pay the entire amount of the bill, I did not have a car at that time and did not, have auto insurance, nor did I have health insurance because I was not working so I was covered under the veteran medical coverage due to my low income. Normally if a veteran enters a civilian hospital with no insurance the civilian hospital is required to contact the nearest veteran hospital within XXXX hours from time of arrival to either make arrangements to have the veteran transported to the nearest VA facility or to inform the VA that they have XXXX of their patients so they can share the medical records and billing. This was not done when I was a patient at the hospital, in fact the hospital did not even send me a bill after the insurance paid them. It was months later ( at least 6 months ) that I got a call from the collection company. The following is a link from the Dept. of Veterans Affairs website " XXXX 2001, the U.S. Congress provided VA with authorization ( called the Mill Bill ) to pay for emergency care in non-VA facilities for veterans enrolled in the VA health care system. The benefit will pay for emergency care rendered for non-service-connected conditions for enrolled veterans who have no other source of payment for the care. However, VA will only pay to the point of medical stability. There are very strict guidelines concerning these types of claims. Veterans and their non-VA providers should be aware that these claims must be filed with the VA within XXXX days from the last day of the emergent care. ''