WillisBack/dataset-financial-user-claim huggingface dataset:
The Consumer Protection Financial Bureau : I have been a credit card holder of XXXX XXXX XXXX ' Discover It card since XXXX. What drew me to choose and ultimately use their card is their promise of no foreign transaction fee in purchases made outside of the United States. I consider myself a well-educated consumer, closely reading specifics of any product in the enclosed marketing and card member agreement materials. 

I travelled to the XXXX of XXXX, and the XXXX in XX/XX/XXXX. As with any travel, one would want to use the convenience of credit card, especially those advertised with no foreign transaction fees. Most credit card companies that discloses foreign transaction fees ranges from 3-4 %. Discover ultimately uses the language of " no foreign transaction fees ''. Upon my return to the United States, I quickly scrutinized the transactions in my card statements to see if their advertisement, their promise, lived up to its word. The transaction took about two full months to post to my statement. While this delay was expected, what caught me was the extremely high foreign conversion rate they used. the foreign exchange rate used was anywhere from 15-20 % higher that any publicly-verifiable source. 

To get a better understanding of this matter, I spoke and wrote to the Credit Card Company on several occasions. I was told that the foreign exchange rate used the exchange rate at the time of transaction as published in XXXX or XXXX XXXX. The rates as I see, led me to ultimately believe that the foreign exchange conversion rate was : first, not accurate to what was published in the market sources, and secondly included a surcharge to those rates. 

On XX/XX/XXXX, I spoke to a supervisor at the Credit Card company and I was told that their product adheres to its no foreign transaction fee and that foreign conversion rate would be on their website. I found this conversation very appalling as it was a blatant misleading and egregious. Not only that XXXX XXXX attempted to apologize for this misleading card feature but also there is nowhere on their website or card member agreement that support this issue. This is very contrary to how transparent XXXX XXXX with their published conversion rates. The way Discover charges and converts foreign transaction fees are misleading and unfair to its clientele and ultimately to the American public.
On XX/XX/2018, I received a call from a man who said he was with XXXX XXXX XXXX ( my house loan was first threw paramount, they got audited, was over charging me, and my loan is now with someone else ) he asked me if I was ready to refinance..I told him it was not a good time, maybe he could call tomorrow, -he says, I just need you to say ok and I'll run your credit and get some options, -I said, no I'm not going to say that, maybe you could call tomorrow. He never called back. I woke up at XXXX XXXX  on XX/XX/XXXX, checked my e mail, and saw a hard inquiry on my credit..I immediately new something was wrong. Later that morning I called him and asked why he ran an inquiry without my permission..he kept saying it was a misunderstanding, and he had goid options for me, I was very angry, he ran a inquiry on my without my permission, is refusing to fix it, says it doesn't hurt my score as much as I think, I have had many calls from people who received my " application " that I never ever ever put in or allowed. This man in this company has went behind my back and played with my personal information.
I had been in dispute with XXXX mail service since XXXX XXXX. XXXX sent me several prescriptions with a total co-pay of XXXX. I promptly paid XXXX by check as well as XXXX using pharmaceutical vouchers/coupons. XXXX returned the coupons advising me that they did not accept them and requested I pay the balance of {$130.00}. I was surprised by this and contacted customer service to ask how I would have known they did not accept coupons, they stated I would have to call them to find this out. I stated that was unfair since I could have gone to the XXXX store down the street and gotten the medication and had the coupons accepted. Their failure to disclose their coupon policy put me at an unfair advantage. In XXXX XXXX, a customer service rep told me that I could go directly to the drug manufacturer for reimbursement which I did. I received {$55.00} from the manufacturer which I promptly remitted to XXXX. This left me with a balance of {$77.00}. I contacted customer service again to discuss how to dispose of the balance but had been playing phone tag. On XXXX XXXX, XXXX, XXXX processed a debit adjustment against my credit card on file without my permission to collect the remaining balance. I have attached the email correspondence where they assert that they had the right to charge my credit card without my permission.
GM financial continues to threaten to repossess the vehicle although it paid timely and insurance is properly maintained. I have continued to submit proof to GM financial however, I do receive these letters weekly. I would like GM financial to cease these letters and the harassment. If at all possible, I would like to see they are fined for unfair and deceptive practices.
I registered for loan consolidation with Premier Student Loans XX/XX/XXXX. When I signed up on XX/XX/XXXX I was told in an email and on the phone there was a 10 day cancellation window. If I cancelled within that 10 day window the consolidation would be cancelled and all of my money would be refunded. I signed up XX/XX/XXXX and cancelled by phone and by email on XX/XX/XXXX. ( Still within that 10 day window. ) My money was refunded back in XX/XX/XXXX and I was told via phone that the consolidation had been cancelled after I did not receive a response from my email. Earlier today I called XXXX XXXX XXXX to start a payment plan to begin paying back my loans with XXXX XXXX. When I spoke with a representative at XXXX XXXX I was told my loan had been consolidated by XXXX. I guess Premier Student Loans transferred my loans to XXXX after I had already cancelled?? And my loans were still consolidated against my will. I called XXXX XXXX at Premier Student Loans and notified him of the error. He told me it was their mistake and that the consolidation should never have went through as they noted I cancelled within the 10 day window. I then spoke to his supervisor XXXX XXXX and she also told me that it was their mistake and that they were sorry but the consolidation has already went through and it was too late. I am very confused and upset as I clearly followed all of the guidelines to cancellation and because of their negligence my loans were consolidated against my will. I did not receive any notice in the mail for any of this consolidation, so I am just finding out today of this unwilled consolidation.
XXXX XXXX XXXX has reported a fraudulent collection account on my credit report without prior notice. XXXX XXXX XXXX account # XXXX claiming {$7800.00} was a result of Identity Theft and does not belong to me. I did not receive any communication from XXXX XXXX regarding this matter and no prior notice was made to me. I have provided copies of the police report and ID theft affidavit to the original creditor as well as the major credit bureaus and this item has been blocked as per 605 B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. XXXX XXXX is in violation of of the Fair Debt Collection Practices Act Section 807-8 & ( FDCPA ) ( 15 USC 1692 et seq.
I received a voicemail on  XXXX / XXXX /   17  @  XXXX    XXXX   from Western Alliance Bank which mentioned they are attempting to reach me about a payment due on my   XXXX   XXXX   Account ; the message was a robot call ; which never Identified me by name nor did it read the Min i Miranda w hile listening to the message via my Blue Tooth thru my speakers in my automobile in the presence of my co-workers. I was very embarrassed and I also felt harassed at the same time. Afterwards, on  XXXX / XXXX /   17  I called their Customer Service Number at #  XXXX  and I spoke to a Rep named  XXXX  who successfully transferred me to a Supervisor named  XXXX . I expressed my concerns to  XXXX  that i felt violated by the verbiage in the message which made mentioned of my account & my payment is due.  <P/> At the time of the robot c all may to tal balance was {$210.00} for which i make monthly payments online. I did mention to her that i was not running from my responsibilities and my nearl y two yea r payment history of $  XXXX /Month should reflect it.  XXXX  agreed to pass along my concerns over to  her Superior and/or Compliance De partment.  XXXX  did call me back by the end of the same day to confirm message was passed along to the proper area.  <P/> On  XXXX / XXXX / 17  after no returned calls, I called and i left a message with an other Rep. On   XXXX / XXXX / 17  I spoke with  XXXX   XXXX   XXXX   ( O verseas total operation ) he proceeded to confirm he was aware of my concerns and he feels that no violation t ook place & i w ould be happy to send the Terms & Agreements of my contract that i agreed to receive calls. I advised him that per the FDCPA and TCPA the violation was about the content/verbiage of the robot call ONLY and i was owed $  XXXX  - $  XXXX  per violation.  XXXX   XXXX  proceeded to brush me off several times and he continued to offer the Terms & Agreements again. I did offer to provide a copy of the message as proof of said violation.   Finally, we disagreed on the outcome the call with zero resolution from their end.
I have had no correspondence for this savings account since at least XXXX of XXXX. I received a letter XX/XX/XXXX stating that I owed XXXX in closing fees.I had previously had the same issue with the checking account linked to this account. That was handled to fair conclusion by the CFPB in case # XXXX. I feel this is further harassment because of the original case, as the circumstances are not only exactly the same, but the accounts were also linked and they never mentioned this during my previous complaint or correspondence. When I called the individual named on the the letter from US bank, he stated that he could only help me if I was calling to make a payment. 
Thank you XXXX
X/XX/2017 - Company : Security Credit Systems Contacting people that are not part of my life and giving information to these people, all without any written notification. This is all without permission, if that was n't a given already. I did not even have contact information for this person that they contacted, I am sure that is a violation of some type.
Hello, one of my student loans was recently sold without any day of myself to a new organization UHEAA who then notified my via email that they would need me to log in providing all of my most sensitive information to an unknown company oh, but by the way they already had all of my pertinent bank information and with complete disregard to my pre scheduled payments at my previous loan company were billing me at their discretion ( and by Bill I mean removing the monthly balance that they determined from my bank out directly on a random date. ) The lack of consent needed by the loan recipient to have such sensitive information directly transfered to another company is appalling and I am sure that the sale of my loan is to help bundle with less desirable loans to provide a marketable product that investment funds can purchase, similar to the practices that lead to the housing crisis. The lack of oversight and attention to security of personal information is quite astounding and scares me. Is there no regulation of how this information is passed? In signing up for a student loan do we give up our privacy rights and the security of our financial information for the foreseeable future? I am appalled and I urge you as a regulatory body to intervene sooner rather than later because the implications of these fast and loose processes are frightening
I was in University from XX/XX/XXXX-XX/XX/XXXXand had Private Loans with XXXX XXXX. When XXXX XXXX created Navient, I was handed over to them as my loan provider - not by choice. Since then, I 'm received no help whatsoever or counselling on the best way to repay my loans and the best options for myself. Over the last 7 years I 've gone through different jobs, with varying income levels and no one has helped me to find the best repayment plan - I had to do that on my own. What I did n't realise and was n't warned about with the repayment plan I 'm currently on is that it has varying interest rates. For instance, my loans with the highest interest rates at the end of XXXX were 11 % - now they 're 12 %! 12 % interest on a {$1500.00} loan is absolutely ridiculous. If I had the money to pay off the principal I would do it in a heartbeat, however I struggle to pay the $ XXXX monthly payments as it is ( I also have Federal loans which were with XXXX XXXX XXXX but were moved to XXXX for $ XXXX ). Only in the last few years has that {$280.00} barely contributed to paying off the principal balance - most, if not all of it goes to interest payments. With my work bonus last year, I wanted to pay off some of my principal payment - the ONLY way to do this through Navient is to send through the mail a physical check and a LETTER explaining what to do with the money and where to apply it. They do n't allow you to make principal payments online or any other way. When they received the check that I sent for a large sum, they applied this incorrectly which then took many phone calls to finally correct. Each time I 've sent anything above the monthly payment amount, the money has been allocated incorrectly. I think Navient need to be much better at how they process their payments and allow you to pay principal online - also, they need to actually ADVISE their borrowers ( who did n't choose them in the first place but were handed off to them! ) on the best options for them - which wo n't mean paying over double the original loan amount overtime.
Portfollio recovery continues to call me after I have asked them to only contact me through mail. I do not want to be contacted by phone and they continue to do so.
I have contacted EXPERIAN 4 times trying to resolve the issues with accounts that do NOT belong to me and do NOT have my signature. Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE information. Under Section 609 of the Fair Credit Reporting Act, they could be liable for reporting information that they are NOT even suppose to report
The company name : IC Systems INC has purchased a debt that doesn't belong to me with a balance of {$1600.00}. They are reporting this on my credit reports as a collection I owe them. My identity has be stolen completely and they are aware of this. They have a sign affidavit on file from me from others identity theft things. I need this off my report! It is not mines. This has negatively impacted my credit score and  me closing on my first home.I have no problem signing anything affidavit if they need it. I just need this off now.
I met with a HUD approved credit counseling agency in XX/XX/XXXX and setup a payment arrangement with Debt Recovery Solutions for a prior XXXX balance. I sent the money directly to XXXX paying {$50.00} per month since XX/XX/XXXX. When I realized I had been sending the payments to XXXX, I contacted Debt Recovery Solutions in XX/XX/XXXX and sent a letter via certified mail to have the money sent from XXXX to Debt Recovery Solutions per the instructions of XXXX XXXX with Debt Recovery Solutions. After no response, another letter was sent to Debt Recovery Solutions on XX/XX/XXXX that was sent certified mail and again no response. I attached all the payment receipts and this debt has been paid in full, however, is still reporting to the credit agencies. I tried to call Debt Recovery Solutions again today, XX/XX/XXXX, and was hung up on twice ( after being very cordial and only asking for an update ). On my third attempt, a gentlemen referred me to call XXXX XXXX who is handling my case at XXXX. I called that number and there was no answer and no voicemail to leave a message. I am not sure what to do at this point to resolve the matter.
Made a payment by check online with Capital One mobile, I was not aware of the check being returned by my bank. I went to make my next month payment by check like the previous month, thy took the payment. I go to use my card which I had available credit it was denied. I log online to my account and both of my cards are now closed. I called they said because of the returned payment. They closed my accounts but I can still pay my balance by check online. So they take your charging privileges away but yet they continue to take your monthly payment by check. My nsf was a bank error and they didnt offer me a way to correct the issue, just closed two open charge accounts I had. They do n't disclose this information in you customer agreement for. No information giving to consumers about returned nsf items. Capital One close your accout for 2 nsf in 1 year, but do n't tell you this is they practice.
Hi! We Bought our first home XX/XX/XXXX, and finally were leaving our lives with our XXXX kids in an peaceful environment where the kids were happy in school and new friends. we came from XXXX, NJ ( approximately XXXX population ) dangerous neighborhood where my kids bike were stolen from other kids twice. Long story short, 2 years ago we moved to XXXX, NJ, country town with only XXXX population. we are very happy here. XX/XX/XXXX we received a letter from out mortgage company, quicken loans saying that we had a shortage on the escrow of {$8000.00}. The weird part is that the last escrow analyzes last year resulted in a refund check to us of {$490.00} and I could not understand how they had gone for a year and a half in collecting the improper amount of taxes. Now they want us to pay everything they missed to collect all this time. I do n't mind paying but the way they want us to pay will affect us financially as it is already happening. Like I said before the fist option is to pay in full {$8000.00} and our mortgage payment would go from XXXX to {$2000.00} a month. we do n't have that kind of money, so this option is not good for us. second option was to pay over 12 months a mortgage of {$2600.00}. Its XXXX more then what we used to pay for our mortgage. This option also does not work for us. Mu husband works for XXXX. His weekly salary after all the discounts is {$XXXX}. After we received this horrible news from quicken loas I started looking for a part time job to help my husband but i still have n't found one that does n't affect my kids schedule. I understood that the taxes goes up but from {$6900.00} to {$7800.00} XX/XX/XXXX. But that would not be anywhere near the amount of the increase if they had been remitted the proper amount from the beginning of the loan. Where all these money they are changing us come from? Interest from their mistake and now we have to pay? Nad that do n't want to work things up with us and if we stay behind one month our credit is going poor now. Im straggling to make the payment on time and I do n't know what else to do. we are very happy here and never staid behind a payment until this nightmare started 3 months ago and I 've been trying to work things out with them and had no lock. you 're my only hope. Thank you.
Capital One improperly reported my payment as 31-60 days late. I made my payment on the 30th day and I paid one month ahead, in addition. The improper report decimated my credit score causing irreversible damages. I requested removal and Capital One instructed me to file a complaint here. The agent refused to examine the calendar, date of actual payment and the latitude for payments that 's fall on weekends. This report reflects a predatory and dangerous lending practice that has virtually ruined my life and plans for the next 7 years. The lender and I disagree over one day.
First of all I would like to say that I am uncertain which category I needed to select, but I believe several would qualify. OnXX/XX/XXXXandXX/XX/XXXX I wanted to see what Bitcoin was all about. I thought I had an understanding, but clearly do not with regards to Coinbase. I purchased {$400.00} total via a XXXX credit card. I have had issues with Support from Coinbase from the get go! You can get NO SUPPORT from this company. I submitted support requests online, only to get automated responses that there is a delay in getting your issue or questions answered or resolved. I have called the Customer Support #, only to be on an eternal hold and no one answers. I want to close my account and will forfeit any profit made thru Coinbase. I was unaware that I would be required to submit a picture of my photo ID, front and back, to Coinbase .... and I am unwilling to do so for fear of my identity being stolen. 
I believe Coinbase is operating fraudulently and should definitely be looked at or closed down! 
Thank you! 
XXXX XXXX XXXXXXXXXXXX
They keep charging my card when I told them for three months to cancel my membership. They will not do it. How they get over is they don't notify you when they take your money. This place is a scam who fraudulently charge you without even knowing. I let them get away with it the last two months in hoping they'll cancel but they will not. Please give me back my three months and cancel it
I had my vehicle stolen in XX/XX/XXXX that was recovered by the XXXX XXXX Police department approximately 10 days later. My vehicle had been towed to the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX. 
When I went to the XXXX XXXX XXXX yard to recover my vehicle I was devastated to see that the tires were missing, the seats were gone, the glove box and interior was stripped and all my personal belongings in the car were gone. I advised the rep working for the tow yard that I had no interest in the vehicle at this point as the accumulated tow fees exceeded the value of the vehicle at this point in time and was releasing myself of any and all liability on the vehicle and that the paperwork on vehicle was in the vehicle which they would not allow me to retrieve. The rep stated that was fine if that's what I decided to do. The only notification I ever received from the XXXX XXXX XXXX company was the notice of auction. A few months later I received a collection notice from IC Systems XXXX XXXX  XXXX XXXX XXXX, MN XXXX XXXX XXXX dated XX/XX/XXXX indicating that they were attempting to collect a debt for XXXX XXXX XXXX company in the amount of {$2700.00}. I spoke to XXXX employee ID XXXX at IC Systems on XX/XX/XXXX and filed a dispute since I had never received any type of billing notice from XXXX XXXX XXXX. I was advised that a billing statement would be requested and sent out to me which to this date I have never received. I spoke to Mr. XXXX on XX/XX/XXXX and was advised that he would escalate the request to his Manager to have a billing statement sent out to me which I have not received. I spoke to XXXX at XXXX XXXX XXXX on XX/XX/XXXX whom was very rude she indicated that the vehicle sold at auction and I am responsible for the towing and storage fees on this vehicle. I wanted to know why wasn't a bill ever sent out to me and she stated that one was sent but would not verify the address or date it was sent. 

If any additional information is needed please let me know. 

Thank you
I have a balance with a 0.00 % interest rate yet I am still being charged a minimum interest rate/fee. A minimum interest rate/fee would mean my interest rate is not really 0.00 %. Very misleading.
I contacted this company via XXXX certified mail to request debt validation. The company has not responded or provided any validation. They have reported this account with all XXXX credit bureaus