WillisBack/dataset-financial-user-claim huggingface dataset:
In early XXXX XXXX, I had a fraudulent credit card purchase on my XXXX XXXX XXXX store card. The purchase was made on-online for over {$2000.00} and I received an email confirming the purchase was done online. When I called, the number on the back of the card, I was told that they do n't handle online purchases and I had to call another number. They did n't try to connect me but just asked that I handle it with the online department. When I called the online department, they asked me to call the credit risk department. A cumbersome user experience that I had to follow to protect my privacy. Eventually they added a password on my account for future purchases. Now its XXXX XXXX, I tried to make another online purchase, only to find out the fraudulent shipping address is still on my account. So I tried to call, only to be asked to call the online department and go through the same cumbersome service to protect my privacy. By the time I learned how difficult the process of online buying will be, especially that I forgot my password ( and had to MAIL out a letter to change it ) my order was no longer available. I had to cancel my credit card after being a customer since XXXX and affect my credit score but this was the worst experience ever.
Last year I filed a complaint concerning the misapplication of my payments and assessing late fees that were not correct nor were they justified. The Regulatory Case Number is XXXX-XXXX. After getting the complaint they went back and applied my payments properly until around the beginning of XX/XX/2018. They have once again misapplied my payments, incorrectly assessed late and other fees which to this day I still don't understand. Once again I have tried to resolve this issue with them but they're still insisting that I am behind in my payments. My payments are submitted by my bank every two weeks which coincide with my pay dates. In the month of XXXX and XXXX they received 3 payments but they are still saying I'm behind in my payments. Again I have contacted them on several occasions asking them to apply my payments as they were received. This morning XX/XX/XXXX, I received a phone call with a recorded message stating they have not received my payment for XXXX. I am at my wits end with this company. I know the company is saying that I am making illegal payments, but the contract states my payments are due on the XX/XX/XXXX of each month, and they receiving my payments in advance of the due dates. Base on the payments that have been sent, I should be paid up through the Month of XXXX. Once again I am asking for your help in resolving this issue ; that all payments be applied properly, all illegal fees that have been assessed be reversed and to ensure me that they will continue to apply my payments as they have been received. I'm also not understanding why only a little over {$2000.00} has been applied to the principle. Thank you
I continuously receive junk mail from Stonebridge Lending Inc. in XXXX, CA in official envelopes. The envelope reads " URGENT DELIVERY DATED MATERIAL IMMEDIATE RESPONSE '' and that it is from the " Office of XXXX XXXX XXXX, Confidential Documents ''. That tells me it is important mail from the government, so when I open it up and see its nothing but ANOTHER VA refinance, then I am annoyed. I called the company and they wont return my calls. When I complained to another company, they told me to report them to the VA. The VA told me to submit a complaint here. You CAN NOT send people mail in envelopes addressed like this, I 'm pretty sure that is illegal. Thank you for your time.
Several years ago I started receiving notices from a debt collector for a {$9.00} charge to XXXX XXXX XXXX. I had never received a bill from XXXX XXXX XXXX for this amount. My first step, as is typical when the first notice I receive that I owe any amounts is from a debt collector, was to send a letter to the debt collector asking for proof that I owe the money. I indicated, as is true, that I was happy to pay the {$9.00} provided they could prove that I actually owed the debt. I also explained that this was the first notice I had received that I owned XXXX XXXX XXXX {$9.00}. 
Apparently this is for long distance service, which I have no recollection of ever having long distance with XXXX XXXX XXXX and, since I have had a cell phone for more than 15 years, it has been at least that long since I have needed long distance service. 
I received no response from that debt collector but in a few months I got another letter from a different debt collector for the same amounts. I did the same thing with this debt collector that I did with the first and sent a letter asking for proof, committing to pay the {$9.00} provided it was actually my debt and they could satisfactorily prove it was mine. That debt collector sent a response that only indicated that the amount I owed was some much larger amount. No copy of a statement from XXXX XXXX XXXX, no XXXX XXXX XXXX ledger indicating a total amount owed and a payment made that was {$9.00} short, nothing. 
After that I heard nothing for a long time. But now, I have recently gotten a bill from XXXX debt collector. Additionally, I have noticed on my credit report that they have reported to credit bureaus that I am behind on a payment. 
Apparently I am going to have to get the CFPB involved to get this resolved. I reiterate, I am happy to pay the {$9.00} if they can prove that I owe it. I wo n't pay any other fees since no one ever bothered to provide me with a bill that shows I actually owe the money. I also want my credit report cleaned up. I never neglected this payment or any request for payment. XXXX XXXX XXXX neglected to bill me for it and XXXX different debt collectors neglected to respond to my request for proof. That does n't make me behind in my payments. Please help.
I am refinancing my mortgage with Residential Home Funding ( RHF ) and wanted to complete the process as a  XXXX . The existing mortgage company is Ocwen, and assumed servicing the loan when GMAC went out of business. I was told that their process would cost me {$600.00}. and would take 6-8 weeks to complete. I started the process on  XXXX    XXXX   and the title company for RHF handled the initiating process. I reached out to their lead person for the process (   XXXX   XXXX   ). After waiting for 8 weeks, Ocwen informed RHF that they did not have the orignial note. RHF ask for a Lost Note Affidavit in lieu of the note so that the closing could proceed, and Ocwen refused. I have written to  XXXX  and just left another message for her today (  XXXX / XXXX /2017 ) pleading that they provide the affidavit since the original note is lost as she has indicated in her email to me. My ask is that they provide the document before I lose my interest rate lock and are penalized and I have already paid their fee of $  XXXX .to engage the process. As a consumer, I feel that I am caught in the middle of a bureaucratic nightmare that is truly one company 's policy, that at the very least should have been stated up front before they took my money and down this 8 week path to no where.
In XX/XX/XXXX, I experienced financial difficulty and received foreclosure notice on property. In XX/XX/XXXX, I was contacted by Litton Loan Servicing saying that the propery was now " charged off '' and that I would need to settle the balance. I sent them {$7000.00} to settle. I continued to contact them and eventually received a message that they were now Ocwen Loan. I informed Ocwen of the settlement and they said they were not aware of anything. I continued to call Ocwen multiple times to research the incident. They would not. Finally, I negotiated with Ocwen another pay off for the same house that was foreclosed on, short saled, etc. They agreed to show paid in full ( see attaced ). They are still misreporting at all XXXX bureaus despite multiple attempts. This is causing me after 8 years to still cost extra money with interest rates and failure to purchase a home.
On XXXX/XXXX/2016 I ordered a Sears Craftsman garage door opener remote on the telephone through Sears PartsDirect. My order # XXXX and model # XXXX ( Garage Door Opener XXXX-Function Visor Remote ) was charged through my Citi Visa credit for the amount of {$50.00}. I spoke with agent XXXX about the order. She sent me the picture of the model through my email. After reviewing the model of the remote, I did not think it was the right garage door opener remote that I wanted. I told XXXX to cancel the order and refund me the amount of {$50.00} immediately. XXXX told me she already canceled the order. However I NEVER received an email to confirm the order was canceled. 

On XXXX/XXXX/2016 at approximately XXXX, I called Sears Parts Direct to confirm the order was canceled since I NEVER received an email or refund of {$50.00} through my credit card. I spoke with XXXX on the phone. I tried to explain to XXXX about my situation and concern but she was rude to me by constantly interrupting me when I speak. XXXX did not show any concern towards her customer at all. She kept saying that I am threatening to write her up and file a complaint. I told XXXX that I would not file a complaint as long as she takes care of her customer by helping customer 's needs instead of being condescending. XXXX refused to assist me in a professional manner. I kept asking her where is my refund? I NEVER received an email to confirm a refund or cancelation. 

Today is XXXX/XXXX/2016 and I checked my Citi Visa credit card account. Sears Parts Direct still charged me {$50.00} and refused to give me a refund. XXXX and XXXX promised me that it will take 2-3 days to receive a refund. Today is a third day since I ordered and canceled the order of the garage door opener remote. NO refund yet appeared on my credit card statement.
I bought a car  from Honda Financial Corp and obtai ned a car loan, last year I struggled to keep up with the payments and the car got repossessed in  XXXX    XXXX  . Some time in  XXXX  a received a statement fr om Honda Financial stating that they sold the vehicle and I owed them {$440.00} plus cents. Som etime in  XXXX  I received a collection letter from a third party collection agency stating that I owed  Honda Financial {$20000.00} and some cents, so I immediately contacted Honda and the y said they made a mistake and they sent me an incorrect statement and that I owe them the {$20000.00}
I will try and make a long story short but basically, I have paid off my student loan in full upon graduation, and for whatever reason the loan still shows I owe money and it continues to grow interest of course each day. When I first discovered this, I tried resolving it with the parties involved and to no avail have I gotten anywhere with these people. Upon graduation in 2011 my father paid my student loan in full, he was at my apartment and asked me to call right then and get the payoff amount because he was going to write a check for the balance that day. I called and was given the payoff amount and my Dad wrote the check for that amount, I then placed the check in the mail to them. 
I have attempted phone calls, emails, faxes, and postal mail and through dealing with either no response or no return call or email reply and lousy customer service when I finally did get a reply the first one was basically yep you owe the money in question and the last reply ( which I have attached the document ) was basically telling me I owe it because of a time frame in when the check was received. Well first off, the letter stated that I requested a payoff amount via on- line well that is not true like I mentioned above I called them on the telephone my father was sitting right next to me and was writing a check for the balance that 's why he said get them on the phone right now, so I can write the check and pay it off. I would n't have asked for a payoff amount and then wait 4 or 5 months later to send them a check that 's insane. My father is a witness to all this and my father is a hard-working honest man and lives life morally right. The bottom line is I paid the amount of the loan off way early and however they chose to allocate it is their problem and or wrong doing. I would not have asked for the pay off balance if I was n't going to pay the loan off in full the day XXXX called. Obviously, they have gotten their files disorganized and their information mixed up and they need to hold themselves accountable. I guess they are upset because they couldnt gain interest on my account due to the fact I paid it off early before it could draw any interest which I am sure not many people are fortunate enough to do. They should be ashamed trying to suck what any money they can from struggling students in the world just trying to further their education and better their lives and future.
My problem is with PNC Bank thats supposed to protect my card from fraud and misuse. I stayed at the XXXX XXXX XXXX in XXXX NJ, and they both overcharged my card, and put through an unauthorized charge AFTER I had already checked out. I kept calling them and promises were made for the manager to call me back but never did. 

I disputed the charge with my bank, PNC, and they declined my dispute WITHOUT EVEN CONTACTING THE MERCHANT AT ALL, NOT ONE TIME! 

I do not understand why PNC Bank would reject a complaint of an unauthorized use of my card by a Hotel AFTER I checked out! No contact of the merchant and just flat out declined the dispute. My money was just wasted because PNC did not show much interest in my case, and made no attempt to even contact the merchant.
I had no clue there was anything being reported on my Credit Report until I tried to apply for a apartment. I have never had credit or tried to apply for anything until now and Oh my gosh! Equifax Information Services has been reporting negative inaccurate information in my credit file. I thought upon doing further research that I could reach out to them and get these things removed. Well that is not the case at all. I 've been disputing with this company for over 6 months to get this information removed and they refuse. I have asked them to remove any name that I have not provided due to false information reported on my credit report. I have also asked them to remove inquiries that are not mine permanently. They stated that the information was verified and it belongs to me which I do n't understand because if they have verification then why have n't they sent me copies of it? I have ask for a investigation and documentation in a timely manner. I have called, emailed, mailed and faxed. And still being ignored with no verification or documentation. Under the Fair Credit Reporting Act, If the consumer disputes anything and it ca n't be verified within 30 days, Then it must be removed. I did not authorize anyone employed by these companies to view my credit reports. The letters they have sent to me claim to have 'verified ' this information '', but this is in fact not true under law. It has been past 45 days and nothing. Now I will be suing Equifax as well as anyone on my credit report with false inquiries for causing me damages such as denial of credit, denial of renting and increased insurance premiums.I should not have to be inspector gadget to try to track people down and figure out where these false thing on my credit report came from.I can not even buy a house right now if I wanted to. I have provided more than sufficient evidence to get these false inquires and names and addresses removed. Such as a copy of my State Issued Id and Social Security Card in addition to a Utility bill in my name verifying my address. I have filed this complaint with hopes of Equifax actually being an company with integrity and reporting accurately. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against Equifax and Companies on my credit report for violation of the Fair Credit Reporting Act and Defamation. This is my last resort and I 'm seeking monetary relief for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. It is not ok to blow people off and effect there lives in a negative way this is my personal information and if they have access to it. Then it should be reported accurately. Not cool.
My balance consists of XXXX balances, a balance for purchases at 12.24 % and a balance transfer of 0.00 %. 
My goal is to pay my highest interest rate balance first and avoid any interest charges. 
In the small print section of my statement there is a section entitled " How to Avoid Paying Interest on Balances '' it says any payments made beyond the minimum amount due will be applied to the balances with the highest rates first. 
I tested this on my statement dated XXXX. I made two payments 1 day apart, one in the amount of the minimum balance, the other in the amount of my balance on purchases. When my next statement came in they reduced my purchases balance but not to XXXX. 
The continue to charge interest. This is UNFAIR and NOT CONSISTENT with the law in terms of how payments must be applied. 
This is widespread abuse of american consumers and Chase is making unfair XXXX.
Linebarger Gogggan Blair & Sampson LLP Depth collection claim that I owe XXXX XXXX {$220.00} which already been pain in full to sunpass from my debit card and I told them that already been paid they still want me to pay them regardless
Started the modification process  XXXX . Checked the ocwen.com website daily for status.  XXXX  {$1800.00} in payments were made. Called  XXXX  customer service because it said the next payment is n't due until  XXXX / XXXX / XXXX  for {$2600.00}, even though we still had {$1400.00} due to pay the month of  XXXX  in full. The  XXXX  rep advised us that we were approved  XXXX / XXXX / XXXX  for the trial modification, that is why the system reflects a  XXXX / XXXX / XXXX  payment due and no other payments needed to be made until  XXXX / XXXX / XXXX . All payments on this mortgage had been paid and we would of continued to pay the remainder of  XXXX  payment and  XXXX  payment as well if we had not been instructed to not do so.Now we are being reported late for  XXXX ,  XXXX  &  XXXX . This does n't make any sense, nor is it what we were told. We are currently paying our  XXXX  payment now in  XXXX , but the  XXXX  website reflects being due for  XXXX  and reported as being late for  XXXX !    XXXX   XXXX  of  XXXX  in the modification paper work states if the account is past due at the time we enter into the trial period plan, then it will continue to be reported that way. WE WERE NOT LATE WHEN WE ENTERED INTO THIS AGREEMENT. THIS NEEDS TO BE FIXED. This company has been a complete nightmare and are killing our credit. They are also applying the weekly payments I made to the principal balance, and not counting it towards the currents months payment that is due and actually intended for. I make my payment thru my bill pay with   XXXX   XXXX   XXXX   .  I thought that might be confusing them, so I attempted to sign up to make weekly payments thru their website. I could n't because my account has to be current in order to sign up. It is current!!!! I have paid {$1400.00} towards my payment so far that is n't even due until  XXXX   XXXX ! Help please
In reference to previous complaint number XXXX. The collection agency has responded the following : Our client, XXXX XXXX XXXX XXXX XXXX is a provider of XXXX XXXX XXXX  XXXX at XXXX XXXX Hospital in XXXX, FL. The accounts in question are not for the hospital ( facility ), but rather the physician. The consumer can contact her insurance carrier, provide the dates of service in question ( this information has already been provided to the consumer, and is part of a previous response to this complaint ) and inquire as to the status of the emergency room physician claims that correspond to the facility charges on those dates.
Synchrony Bank Amazon-Synchrony Bank/ Synchrony Amazon/ Synchrony XXXX has placed numerous inquiries on my credit reports ( XXXX, XXXX and XXXX ) . I did not authorize and have no knowledge of these requests for my credit. These inquiries are fraudulent and should be removed from my credit reports. The dates of these inquiries are as follows : Synchrony Bank Amazon XXXX/XXXX/XXXX Synchrony XXXX XXXX XXXX XXXX/XXXX/XXXX Synchrony Bank XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX In XXXX XXXX alone, requests for my credit were done XXXX times of which I was told is an indicator of identity theft. I have not recieved any correspondence from Synchrony Bank in the form of denial or approval letters. These requests for my credit were not authorized by me.
I applied for a Credit card with U.S. Bank and was approved for {$1000.00}. I did not want the card and let them know within 1 hour of receiving it. I ask them to not activate it and to cancel my application. They said they ca n't. This Credit card from U.S. bank will hurt my credit report and score so I did n't want it. I told supervisors with U.S. Bank That I did not want the card but they are forcing it on me. This does n't seem right. I never used the card but they say that it activated and they ca n't cancel it without it being on my credit report as a canceled card. Their own representative told me the card was the wrong credit card for me. Yhey are using my good credit to hold me as hostage to this credit card knowing it will hurt my credit report. So now I 'm XXXX if I do and XXXX if I do n't. If I keep the card it will hurt my credit report and if I tell them to close an account I did n't open it will hurt my credit report. Is n't that what the " Consumer Financial Protection Bureau. I have a XXXX credit score and now it will be damaged by U.S.Bank because they are greedy and do n't do the right thing for consumers.
After years of heavy usage and flawless credit with my XXXX XXXX credit card with XXXX, I was involuntarily transferred to Synchrony Bank. On XXXX Synchrony charged my account a {$25.00} " late fee '' even though it was n't until the next day XXXX that Synchrony emailed me instructions on how to register on their website to set up payment. So today I sent them payment in full -- minus the {$25.00} -- and closed the account. But how many other poor consumers paid the {$25.00} " late fee '' because they could n't afford to close the account, or because they did n't see it among their legitimate account activity? It 's dishonest, bad business, and should be regulated against during involuntary transitions from bank to bank. Please help me stop Synchrony from engaging in this practice. Please help me stop Synchrony from reporting this alleged " late '' payment on my credit report which is otherwise perfect. Thank you.
This debt is beyond the Maryland Statute of Limitations. It is illegal for a debt collector to collect on an expired debt. They have taken illegal action by seizing my Maryland State Refund when the debt had already expired and beyond the Statute of Limitation which is 3 years in the state of Maryland
My wife and myself started a loan with XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Georgia on XXXX XXXX, 2000. My wife and myself have been paying faithfully from the start. According to certain clause in the contract my mortgage payments were to decrease over time of loan until finally payment. AS the payments were to make another decrease, my wife and I received notice that our loan were transferred and sold to XXXX XXXX XXXX. This was strange since XXXX XXXX now owns XXXX XXXX XXXX. During the process, my account number were changed, my property location were changed to reflect a home in XXXX Minnesota. We contacted XXXX, and informed them of the problem, but they ignored our complaint. They kept implying that I had a Bankruptcy, and my account was locked from decision. Now my so-called loan has been transferred and renewed with Carrington Mortgage Services in XXXX Indiana. I have been paying for a loan on the wrong house for two years now. I wonder what happened to my original loan. This situation has put my job in jeopardy and have put stress on my marriage.