WillisBack/dataset-financial-user-claim huggingface dataset:
I have received '0 % APR introductory rate ' offers from this company at a frequency of 2-3 times a month for the past year of so. In XX/XX/XXXX I foolishly accepted the best offer I had received from them to date, against my better judgement ( based on online reviews of the company and it's practices ). The offer was for a 0 % APR until XX/XX/XXXX, and seemed too good to be true, but, as my fiance and I were planning our wedding, having access to extra credit was a godsend. The wedding was in XX/XX/XXXX, and we were lucky enough to receive financial support from our parents, meaning that I had the cash needed to pay off the card in full sitting in my savings account, but did not, as the contract I signed meant that the balance should not incur interest until XX/XX/XXXX. 
In XXXX, I checked my statement and found that they had been charging me interest at 24.74 % for the months of XXXX and XXXX resulting in a total of {$110.00} in interest charges. As soon as I noticed this, I requested the company send me the original terms and conditions using their online portal, however, the document I received was the *current* interest rate. To sort this out, I called their customer service line on XX/XX/XXXX. After waiting on hold, I was told that they only offer promotional rates for 6 or 9 months, and so I " must have signed up for 9 months ''. I said that I am certain the offer was for longer than that, because I meticulously keep track of my finances, and a quick perusal of my accounts would show as much. Because the customer service representative started getting very cagey, I requested to speak to his supervisor. After waiting on hold for over 20 minutes while she supposedly read through my contract, she came back with the same " we only offer promotional rates for 6 to 9 months, so you would have to fax us your original agreement ''. I got the fax number from her and proceeded to request that she email me a copy of the *original* document she was reading through, as it is not possible to do so via their portal. She assured me she would email it to me, but did not take my email address. When I then stated that I plan to disputing these interest charges because they had failed to inform me of the increase in interest rates within the 45 days stipulated in the Credit Card Accountability Responsibility and Disclosure act of XXXX ( Title I, Sec.101 ), she hung up on me. 
I have copies of my statements which show that in addition to not sending me any advance notice, the " Account notifications '' portion of the statement where they state " Welcome to your account notifications. Check back here each month for important updates to your account '', did not contain any notifications of this interest change.
I am a surviving spouse of a veteran, my husband died XX/XX/2018 he is the only one listed on the mortgage. I had no idea he was behind on the mortgage. I did later find out that at the time of his death he was working to get a loan modification but was not able to provide all of the documentation before his death. I have tried to talk with the company Select Portfolio Servicing to see if they will work with me to bring the mortgage current but they will not talk to me. I was also able to send in a copy of the death certificate. I just received a notice from an attorney 's office that they were proceeding with foreclosure. I am working with a HUD approved non-profit counseling agency and we have reviewed my situation and I can make payments if they will work with me. Please ask them to abide by the surviving spouse provision so I can save my house.
Hello, Chase closed all my credit card accounts both personal and my 1 business card. When I called them after have my card declined, they said your account is closed when I asked why they said they cant see anything further and they will transfer me to a supervisor who may be able to help. The supervisor got on the phone, after explaining the reason of my call, she pulled up my account and said chase doesnt take closing customer accounts lightly, youll receive a letter in the mail in the next 10 business days describing why your accounts where closed. I asked if she can tell me over the phone, she said she doesnt have that information and it will be provided in the letter. I got the letter for my personal cards, and the letter said my accounts were closed due to unexpected activity. This response left me puzzled. Ive been a loyal chase customer since Id say 2012 or so, never had a late payment, never missed any due dates and used chase as my primary credit card. After I received this letter I called 3 different times to see if I can appeal this decision and each time I callIed they told me my information was no longer in the system and they couldnt not pull up my account. Not to mention, the closed my one business card as well 3 weeks later. For this card, there was no letter, no explanation, no nothing.
After being denied credit I checked my credit report I noticed an account with Bank of America. I 've reached out to Bank of America via certified mail on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I 've requested validation of a debt that I do not recognize. Upon the letters sent I have yet to receive any signed contracts from this company, only computer generated statements. Also BOA did not place a " notice of dispute '' on my credit report after my initial contact of XXXX/XXXX/XXXX. They are in violation of FCRA section 623 ( a ) ( 3 ) and FDCPA section 807 ( 8 ) by not placing the disclosure within the 30 day period. I only received a letter from BOA stating a date the account was opened and the balance ; no signed contracts as requested in my letters.
Closed my accounts with HSBC in XX/XX/XXXX or XX/XX/XXXX Received notice that there was a charge on my credit card in XX/XX/XXXX. Disputed and explained that these accounts were closed. Was told they would close my account Got a credit card statement again from them Called again and explained that accounts were closed. 
HSBC opened up a NEW credit card for me without my authorization Called again and was notified that they closed my account. Received a letter stating the same. 
Received yet another credit card statement from them in XX/XX/XXXX. 
Called again to have them close the account.
I own an occupied resident. I was not aware of a loan transfer to another company, until I received a letter by XXXX with a returned check stating that owe {$17000.00} or go into foreclose. I called the company that I was sending my payments to, the person I spoke to said that they were transferring the payments that I was sending to the new company. I do not know why the original company did not send and email about the transfer. The first person I spoke too at new company could not answer my questions she hung up, so I called back an spoke to another person she explained to me that the company took over my loan XX/XX/XXXX. I asked her why such a high payment she told me that they have not received a payment since XX/XX/XXXX, escrow changed I do n't have escrow and that I owe for their legal fees. She told me that they tried to call but no answer I told her the number they were calling was changed about five or eight years ago. She asked how else they could get in touch with me, I mentioned to her that every other company that took over my loan in the past 25 years has always sent a certified letter within two or three months of taken over. I notice that my account number has changed. I also mention to them that I have no problem of paying my monthly payments if I was aware of this problem when they first took over the loan. And now they want me to pay more which I do n't have in my bank account. I explained that I have n't missed a loan payment in 25 years until this company took it over. I found out that the previous company was returning my payments from XX/XX/XXXX to present. I was asked to submit a dispute letter about the payments. I was trying to get more information before I wrote a dispute letter, so I sent them copies of all my payments to see what they had and I checked with my bank to see what was cashed, returned or that I have n't received. After I sent these copies, that not even a week they sent the amount to pay by wire. I received this letter two days after the date. At that time I was trying to get more information to write my dispute letter. I received a letter that discussion for dispute was closed. At this moment I have not received any correspondence with this company.
Back in XXXX i got a called from a debt collector, the call that i owe about {$100.00} to a cash store i borrowed money from. Which i was very aware. So when they called me i got put on a payment plan because i want it to pay them off right away because i didnt want this on my credit because i had been fixing my credit. Well i made my first payment in XXXX, in XXXX i made my second payment, and right before my last payment was going to be made, BOOM it was reported to my credit as a collections, which i didnt know why it was being reported if I was put on a payment plan? I did not understand why, so i immediately called and the very next day i made my payment, but before i made this payment i told the man i needed a letter stating this was going to be off my credit. So he send me the letter, but little did i know he just send me a letter where stating this account was paid in full not that it was going to be deleted which i did not know the difference. So they got their money, and now this is still on my credit and they wont removed it. Ive spoken to the company and they refused to remove this from my credit. They wont give me a reason why, despiste i got told it would be deleted. I need this to be removed since Im trying to buy a house. The company is national credit adjusters. This company just cares to get their money and not help their customers out.. i need help!!
Reference dispute XXXX ] also. I spent over an hour on the phone with transunion, requesting access to my report online, so as to be able to dispute any negative credit information. I was sent to several reps and to no less than XXXX different websites. Nothing Absolutely nothing got accomplished. These people are responsible for critical information that effect humans lives. How is it that XXXX can covey this information to the public and they can not.
Complaint Description : Possible fraud on multiple federal loan applications by Innovative Mortgage Services and their broker, XXXX XXXX I submitted two loan applications with XXXX XXXX, of Innovative Mortgage Services, who told me that I had been prequalified for XXXX ( XXXX ) 25 % loans with XXXX for investment properties in XXXX, FL. Each property is under contract for purchase of {$150000.00} each. I was denied the loans that I was " guarenteed '' by XXXX but qualified for loans not discussed at anytime during the loan process. XXXX XXXX stated that he tried to " trick the bank '' by getting me a different loan by a method that he was not willing to disclose. He also told me that he had withheld information from about my loan application from me and what I would as qualify for. I feel he was not only dishonest but failed to disclose all relevant information that he is required by law to inform me of. I attempted to contact his supervisor, XXXX XXXX, on XXXX XXXX and have yet to receive back from him. I have informed XXXX XXXX XXXX XXXX in Florida of the situation and they have immediately brought this to the attention of the bank president and are currently conducting their own investigation. Contact info for XXXX is XXXX XXXX XXXX XXXX XXXX behavior has been unethical and illegal. He knowingly withheld information from me and lied on a Federal XXXX. I addressed these claims to him and he admitted guilt to me on the phone on XXXX XXXX, 2015. He told me to " take the loan or find someone else. I have also contacted XXXX of the situation and they are also conducting a similar investigation.
I have had a master card account since XXXX, services by Bank of America for at least the past XXXX plus years. When paying my XX/XX/XXXX bill, I followed the instructions on my payment slip to advise Bank of America of my new mailing address ( Their printed instructions ). On XXXX XXXX, I received my XX/XX/XXXX bill, however it was addressed to my old address & forewarned to me by the post office. I called Bank of America customer service. After endless waiting & being disconnected, I finally spoke with a so called supervisor named XXXX. He told me they still had my old XXXX address on record & not my new XXXX address. I explained that I followed the instructions on the XX/XX/XXXX payment slip. He proceeded to scold me & tell me it was MY fault & that I should have called them to make the change. Several times I read to him the printed Bank of America instructions on the payment slip, and every time he interrupted me to say it was my fault & I should have called. He would not answer my question of why the Bank 's payment slip says to do it the way I did ( which by the way worked with XXXX or XXXX other credit cards! ). He just kept saying it was my fault and was so rude I simply said to please cancel this card! I have emailed a few people at Bank of America, but I doubt I 'll hear from them! Imagine treating a cardholder since XXXX so rudely? If this shows up as anything other than account closed at customer 's request, there could be a negative impact on my credit! This XXXX was so obnoxious, I would n't be surprised if he logged the closing as bank request!!
I sent the following letter  to Freedom Mortgage Corporation  on  XXXX .  XXXX ,   XXXX , bu t to date there has been no response at all fr om Freedom Mortgage Corp. : " This is a request for information, for review, and for an explanation regarding my Freedom Mortgage ( FM ) account. In particular, I would like an explanation as to why twelve ( 12 ) mortgage payments were marked N or U for unapplied funds,   occurred between  XXXX  and  XXXX , and  XXXX  through  XXXX . During these periods, I was enrolled in FM s Bi-Weekly Automatic Draft,  and paid an additional {$300.00} a month towards principal in order to curtail  my 30-year fixe d rate mortgage. In order to be on the Bi-week ly Automatic Draft, I  had to pay one full month ahead to FM.     The main purpose of signing up for th e Bi-Weekly Automatic Draft is  to curtail my mortgage by having the mortgage paid every 14 days, thereby paying the principal down quicker. However, it appears that FM did not apply the funds when it drew from my bank account on a bi-weekly basis. Instead, it held on to the funds for 14 days and did not apply same to reducing my mortgage. Therefore, by utilizing such method, FM purposefully withheld funds paid to it for its own financial benefit at the expense of a borrower like me.     I await a prompt written response from FM, within 20 days from the date of this lette r ( n o later than  XXXX  ) to address my concerns as stated in this letter.  You may reach me by email or US Mail .   Sincerely, ''
equifax is showing hard inquiry by XXXX XXXX on XXXX XXXX, 2015. 
I get numerous mailings from XXXX XXXX. I live in the woods and was told to call XXXX XXXX and see if they could provide coverage. That was it. I never applied or inferred that I was going to switch from my Cable Company to them. I never followed up on my questions because I am happy with my Cable provider.
XXXX/XXXX/XXXX XXXX XXXX said I owed XXXX XXXX which I did n't once I proved I did n't owe the amount they sent the debt to another company ERC the amount is XXXX
I had  XXXX    XXXX   XXXX   removed from my experian  report on XXXX /17 They reinserted  the unverified debt on  XXXX / XXXX /   17  without notification
On XX/XX/2018, my co-account holder, XXXX XXXX, made purchses from our joint Chase Bank Account Number XXXX. These resulted in a temporary overdraft. I was, as usual, working out of state testing railroad tracks. However, per Chase 's policy, XXXX XXXX transferred money from his other Chase account to cover the overdraft, before the XXXXXXXX XXXX. CDT deadline on the same day. Therefore, there should have been NO overdraft fee. However, Chase claims, erroneously, that the transfer happened after XXXX. Several accurate and official timekeeping sources indicated that the transfer was before XXXX. We, therefore believe that this was not a legitimate charge, that somehow, erroneously or deliberately, the timeline was manipulated. This has never happened before, this discrepancy. We beleive that this is in retalition for a complaint already on file with Chase, by XXXX XXXX, for lack of timely refinding of {$310.00} which had been fraudulently charged by a merchant recently.
I have brought this situation to the attention of XXXX XXXX XXXX XXXX on several occasions and it still appears on my credit reports. XXXX, XXXX and XXXX lists the following : Delinquent Account Alert Type : Delinquent Account Processed Date : XX/XX/XXXX Account number : XXXX Creditor 's Name : XXXX Type of Industry : Miscellaneous Finance Companies Address : XXXX XXXX XXXX , XXXX XXXX , MO XXXX Payment Status : Wage Earner Plan Creditor 's Preferred Contact Method : Other Consumer Statement : Dispute resolved ; customer disagrees. 

I have attached copy of the discharge from Chapter XXXX and official Payment Plan. You will notice the Payment Plan states Other Provisions Not Included Above : b. The secured claim ( s ) of the following are intended to be paid directly, are not provided by the Plan, and shall retain their lien ( s ) : - XXXX XXXX ( XXXX XXXX XXXX ). XXXX XXXX XXXX sold the loan to XXXX. 

This claim was paid in full as agreed. There were no late payments and there is not outstanding amount. I have the title to the vehicle.
Today I answered a call from a local telephone number. The man identified himself as XXXX ( without a company name ), and advised me my call could be recorded. He then asked me to verify personal information over the phone in order to discuss a " debt '' which he would not disclose the creditor information. I refused to acknowledge or verify any personal information and asked him to kindly send any pertaining documents to the address he claimed to have on file. He became extremely aggressive and told me that he had my entire social security number in front of him. I politely asked him not to disclose personal information to me since I would not verify I was the person they were calling for. He kept me on the phone for several minutes with a threatening demeanor trying to get me to verify my information, when I continued to decline he indicated that the matter could be settled in court without my cooperation. I asked him the name of his company and he replied " Dynamic Recovery Solutions '', I again asked him to send the information on the supposed debt to the home address on file and he snapped that they already had and I was " ignoring '' them. He asked me for an email address to send the information to and I again refused. He accused me of being " counterproductive ''. I told him I was following the advice of my attorney and not releasing or acknowledging personal facts over the phone and thanked him and told him to have a nice day. I checked my credit report and I do not have a collections account with this company. I believe they were trying to scam me based off an old debt that has either been settled or removed from my credit report.
Round-point is belling me for taxes .The Taxes was paid at the closing the people that I bot the house from pawed half and i payed half. now round-point is trying to bill me again for the taxes. They are giving me the run-a-round. I sent all the paperwork to them they still say I them the tax money. 
I will never do business with the again.
I recently lost my job and wanted to see if I could come up with a payment plan with a lower rate interest so that I could pay it off but Speedy Cash refused to work with me. I originally borrowed $XXXX not even knowing that I was going to lose my job the next couple of weeks and needed to pay off some bills because my paycheck was a couple of days late. After I lost my job, I called to let them know what happened which one of the customer representatives told me that I now owe $XXXX and if I didn’t pay about $XXXX that the case would go to a third party company who will then take me to court. On top of that the only other income I get is SSI or otherwise known as Social Security due to having a disability and after losing my job this month I was in a really bad financial bind to where I couldn’t even afford my basic necessities which I ended up missing a payment. I did let them know that I was going to school to learn a XXXX XXXX   XXXX  and that after 3 months I would be much more financially stable but flat out refused to work with me. They also didn’t fully explain the whole terms and how much I would have to pay in total per month to get the balance to XXXX. Please help! I do not want to go to court or jail which having a XXXX makes it hard for me to handle the pressure so please do something. I am doing everything I can to find another Job so it really is not easy.
This is the XXXX complaint regarding identify fraud put forward concerning Synchrony Bank. Relative to the other XXXX complaints, the Bank simply sends me a letter explaining they are acting properly ; thus, they close the case. For over a year-and-a-half the Bank has continued to make inquiries and establish credit in my name even though they have all the legal records. The last XXXX inquiries were on XXXX/XXXX/16 and XXXX/XXXX/16. Of equal interest is the Bank closed a savings account in my name and has not provided me the information requested. These are my XXXX issues ( 1 ) since they have been formally notified of my identify fraud a year ago, why does the Bank still engage in activity in my name? ( 2 ) What is the savings account about? I am so sure, I am not the only one being harassed by Synchrony Bank.
Dear CFPB - 3 Companies involved! 


1 XXXX 2 XXXX 3 XXXX  XXXX XXXX ( XXXX ) I applied for a Credit Card that was branded by XXXX. They said the card was largely issued by XXXX. They said XXXX was the credit bureau that was involved. 

They failed to provide my XXXX report. 


- They also failed to provide a proper phone # for XXXX. The # that was provided had a serious problem. 

- The last 3 digits of that # were the short code for dialing a swat team in an emergency! 

- If people were to use that number - in some cases - it would accidentally call the police! It would accidentally start a false emergency alarm. 

- It would accidentally lead to SWAT Teams being deployed! 


- A lot of safety problems with that! 

- I consent to writing about this problem. U can use my real name - XXXX XXXX - or u can use a code name - or u can use no name & just keep it anonymous. I consent to any 1 of those. 

Please send reply to my paper mail address! 

- XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
XXXX collection agency reported an account from XXXX Bank on my credit. I never had an account with XXXX BANK. I sent for validation on the account the account, they sent some statement that is not mine. The dates on the account continue to change. I never had an account with XXXX BANK. THERE IS NO XXXX ACCOUNT ANYWHERE ON MY CREDIT REPORTS
BANK OF AMERICA OPENED AN ACCOUNT FOR SOMEONE IN MY NAME IN A DIFFERENT PART OF FLORIDA THAT I DO NOT KNOW AND I DID NOT AUTHORIZE. THEIR TERRIBLE SCREENING PROCESS AND FOOLISH GREED ALLOWED THIS TO HAPPEN. NOW THEY WANT ALL MY FINANCIAL INFORMATION TO PROVE IT IS NOT MY ACCOUNT. SIX PHONE CALLS TO THESE XXXX AND IT IS STILL ON MY CREDIT HISTORY. THEY GLADLY DEAL WITH FRAUD IN HOPES OF MAKING MORE MONEY AND ALLOW HONEST AND LAW ABIDING AMERICAN CITIZENS LIVES TO BE RUINED BECAUSE THEIR LACK OF DUE DILIGENCE. MAKING MATTERS WORSE IS THEIR WILLINGNESS TO TAKE XXXX PAYCHECKS AND ALLOW XXXX WITH NO IDENTIFICATION TO OPEN ACCOUNTS. THEY ARE AN IMMORAL AND AMERICA HATING COMPANY OPERATED BY FOOLS AND DESPOTS. I WOULD RATHER HAVE NO BANK AT ALL THAN EVER DO BUSINESS WITH SUCH A CRIMINAL ENTERPRIZE SUCH AS BANK OF AMERICA. WHAT A SHAMELESS COMPANY.