WillisBack/dataset-financial-user-claim huggingface dataset:
I have had Nationwide BiWeekly Administration ( whom the CFPB is presently suing for fraud ) taking money from me to pay my mortgage ( currently serviced by XXXX ). At the beginning of XXXX, they started sending emails saying their banking relationships were in jeopardy, and by the end of the month they were saying they would not be able to pay any mortgage companies for the foreseeable future. The emails stated any money they were unable to pay out would be returned, and provided contact details to speak to customer service reps. The phone number provided has no option to speak to a human, it plays a recording and hangs up. Their main office number says, at every path on the phone system, that they have a high call volume, please call back later, and then hangs up. I have attempted to call them every day this week, multiple times, with no change. I have tried to contact them via phone and email so that I can get the {$750.00} they withdrew from my bank account back, so that I can make the mortgage payment myself, which was due XXXX. I have received no response, and it would seem by the large volume of their customers online telling the same story, that they have completely ceased communicating with anybody. Meanwhile, a great many of us can not afford to make our mortgage payments without the money they took. They first notified us of the issue at the beginning of XXXX. My payment was taken on XXXX, well after they knew they would have trouble paying it out. I need assistance in recouping my funds from them, so that I can pay my mortgage.
I have been making payments to FedLoan Servicing for a full year on the IBR, while enrolled in non-profit forgiveness. I filed my yearly paperwork in XX/XX/XXXX, as I was directed to do. They raised my payment to almost XXXX what I had been paying the previous year. I refiled in XX/XX/XXXX for the new REPAYE plan. A glitch in their website caused my filing to be rejected, so I called immediately and refiled as they directed me to do. That was in XX/XX/XXXX. They directed me that I would need to pay {$5.00} for a temporary forbearance until they processed my paperwork. I did. When I still had not heard anything, I called again. They said that they would have to issue the invoice, that I could not just pay the {$5.00}. I waited until XX/XX/XXXX before they issued this invoice, and it was in the amount of {$4.00}. I paid this, assuming that the customer rep had rounded up the remaining penny. In XX/XX/XXXX I was notified that I was in default, and that I owed XXXX what my adjusted payment should have been, and that it was due in 6 days. I called again, and was told that I had not paid the {$5.00}. I referred to the {$4.00} that I had paid, according to the invoice they issued, and they were at a loss as to why I had been billed a penny short. They assured me they would have it resolved in 7-10 business days, and that I would be getting payment credit for the 8 months of non-payments for my non-profit forgiveness. The time has passed and I am still getting emails about being overdue. I have called monthly, sometimes XXXX times, for 8 months, and still have no resolution. It is ruining my credit score, causing XXXX, and I am at a loss as to what to do. It feels like a scam. I can only assume that I am not the only person being subjected to this mismanagement.
Case number : XXXX This information in regards to this case number ; i have disputed the information and obtained new information about the company with desist and refrain orders out of California.
I am a victim of identity theft and someone stole and used my personal information to open unauthorized and fraudulent accounts using my personal information. I have been receiving harassing and threatening telephone calls and death threats in regards to the unauthorized and fraudulent accounts. The following accounts are unauthorized and fraudulent : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The following inquiries are unauthorized and fraudulent inquiries : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Ocwen, during the mortgage modification process ocwen has repeatedly asked for the same details over and over again. It appears they have no ability to secure and understand all the documents I have submitted several times. Each time they call me with the same question they then reschedule a follow up call several weeks later. The matter at hand is dire and the incompetence of Ocwen is preventing the modification process from moving forward at a reasonable pace to allow me an opportunity to save this property that is my home. I feel they are intentionally slow walking this so I am forced into foreclosure because no one can be this incompetent to as XXXX time the same exact question thus my only conclusion is they are dealing with me in a fraudulent manner.
Bank : Chase Bank Type : Business Checking Account number : XXXX In XXXX 2015 XXXX fraudulent checks were written on my business account. We contacted the bank immediately we noticed the XXXX fraudulent checks and gave them the XXXX checks information. We were advised to close the account which we did and we were assured that the monies will be refunded. Months later we noticed that only XXXX of the XXXX checks were refunded. We called the bank to find out why the checks for the amount of {$640.00} and {$570.00} were not refunded. We were shocked to be told by chase bank that we should have inquired about the status of the refund for the remaining XXXX checks within 60 days even though we filed the complaint for the XXXX checks within their required 60 days from the day the checks were cashed. For this reason they denied the claim for refund. Chase bank is now saying that not only should we have filed the complaint in 60 days which we did but we are also responsible for making sure that the claim is completed in 60 days. If a claim extend beyond 60 days and someone inquires about it, then the claim is denied. I think this is unfair business practice.. 
Please kindly look into this matter
To Whom it May Concern : I was sent a letter from my mortgage company with a return address of XXXX XXXX. Inside it mentioned a Bi-Weekly Program that promised to save me interest over time and I believed to be through my mortgage company. I signed up for the program and {$7500.00} was taken out of my debit account in XX/XX/2015. I learned on XX/XX/XXXX via a letter that it was a non-affiliated company, Nationwide BA and that they did not have bank funding to make my XX/XX/XXXX payment. I tried calling the company number provided to get a message, " We are currently experiencing technical difficulties '' and gave an e-mail address. I tried to e-mail but got an automated response. I have talked to my mortgage company and they received {$6900.00} from this company. Nationwide BA misappropriated {$510.00}. My bank reversed the last {$500.00} that was taken out of my account. I am not asking for the {$15.00} back from Nationwide BA but they are going to send the {$500.00} to collections that was reversed by my bank. When I tried to resolve this matter with XXXX XXXX at the extension provided XXXX XXXX Ext XXXX ) it hangs up. I waited on hold for over an hour and could not speak to a representative. I understand that the CFPB has filed a lawsuit against this company. I feel that this company misrepresented who they were to me on the phone.
We have other complaints ongoing regarding PHH @ loan # XXXX that are still unresolved. This complaint is regarding the property taxes that are payed with our mortgage payment as terms of our approved loan modification. XXXX paid the property tax payment due XXXX XXXX XXXX. We had our check for the taxes returned from XXXX County with a letter saying the taxes were already paid. The loan was transferred to PHH and they did not pay the XXXX XXXX XXXX installment in violation of the approved loan modification. All trial payments were made on the date they were due. I am attaching a letter from PHH that we are being charged for the taxes in an escrow acct. this fraud. I am also attaching a letter from PHH dated XXXX XXXX th. stating they are honoring the plan when they receive the final trial payment due XX/XX/XXXX.When they wrote this letter the payment had been in their bank since XXXX XXXX XXXX, .over two weeks earlier than the letter .PHH has also sent back our XXXX XXXX payment and all future payments. I have made numerous phone calls to XXXX XXXX with PHH who signed the XXXX XXXX th. to no avail. She keeps telling me to have patience that it will be worked out. I have no confidence in this firm to get this resolve without legal help to protect us. This is affecting our families health and well being.
I have a debt with an apartment community and had called the agency listed on my credit report. They told me that the account had been transferred to an alleged law firm. I attempted to contact this law firm to resolve the issue and was immediately questioning whether or not they were legitimate. I performed research on them and had found legal action taken against them, multiple complaints on the XXXX website, and many persons stating they were not legitimate. Thus, I contacted the firm about the issue and never received any real information on their practices or my debt. I asked them for a validation letter to be sent, but they never stated the address it would be sent to and did not disclose the information that would be on that letter, such as my rights under the FDCPA. Since my suspicion was risen, I contacted the apartments that I owe and they had stated that it was very strange for the account to be transferred to another agency and not be handled by XXXX XXXX XXXX, since they only deal with that agency and not Gerald E. Moore and Associates. A lady at the apartment had contacted XXXX XXXX XXXX to confirm that the account was still under their care and had notified me that it was, so I called them back and got the same answer, that the account had been transferred to Gerald E. Moore and Associates, apparently a company under the same umbrella as XXXX XXXX XXXX. I attempted one last time to speak with them about the issue and not one thing was resolved and no other information was given to me.
I filed a dispute online for the inquiries I do not recognize back in XXXX. I called TransUnion on XX/XX/XXXX and they would not remove the inquiries on my credit report. I do not recognize these inquiries. 

XXXX/XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX
XXXX, TRANSUNION AND XXXX is holding inaccurate information on my credit report :
I am in receipt of my credit report dated XX/XX/2017 attempting to collect a debt from me. I am for certain that I do not owe your company any money. I have never done business with you. In fact, i had never heard of your company until having received my credit report. What I find strange is your attempt to collect the debt with me when I do n't owe you any money in the first place! Please see this notice as me disputing this alleged debt with your company as well as requesting debt validation. Send me legal supporting documents bearing that I 've done some type of business with you, hence owing you money. Also the State of Florida requires any collection agency to be licensed and bonded to collect in the state of Florida and your company is in violation.
Last Reported XXXX XXXX, 2017 Collection Agency ERC Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, 2017 Closed Date -- Responsibility Individual Balance {$2000.00} High Balance {$2000.00} Remarks Placed for collection
On XXXX XXXX, 2012 a charge of {$3600.00} was fraudulently posted to my new XXXX XXXX XXXX credit card # XXXX, by XXXX XXXX, without my agreement. Beginning when I received the statement, I immediately and continually disputed this charge with XXXX XXXX XXXX then with the credit reporting agencies. XXXX asked XXXX for proof that the charge was valid. XXXX provide no proof I had agreed to the charge and refused to reverse the charge. XXXX then refused to reverse the charge because XXXX XXXX refused to reverse the charge and reported it to the credit bureau as a valid charge that they had to write off after I refused to pay it. When I disputed this reporting to XXXX and the Credit bureau, they refused to reverse this negative on my otherwise perfect credit report. This has cause me damaged. 

Attached are documents supporting the above.
I, an XXXX XXXX, cardmember with Discover Card. I just discovered that the interest on my Discover card was very high. I had noticed this awhile back but, did not have the time to check into why it was so high. I contacted DiscoverXX/XX/XXXX to discuss several issues, and the one I could not get a good answer for was being charged two interest rates since XXXX. I discovered that I have be charged since XXXX, and extra interest rate for missing a payment. I when I stated I have not missed a payment, I was then told it could be charged for a late payment. I have had s few late payments, however I have not missed a payment. 

This situation upsets me because I was not notified that this had happened at a time that I could have disputed it sooner. Also, how do I know as a consumer that the person that put this on my account was not having a bad day and decided to take it out on me. I should have been notified that this was happening so that I could dispute it right away.. At, the present time, no one seems to be able to tell me what or who decided this so that I could speak to them to correct it. No one should be able to add charges to your account without you knowledge, I have been spending a lot on interest and was not aware of it.
In XX/XX/2018 I called shellpoint to let them know that my husband was gon na be out work for 3 weeks and without pay. The guy I talked to said that was fine all I had to do was to spread out the month of XXXX over a 6 month period and my payments were XXXX at that time. So my payments would go up to XXXX a month starting at the beginning of XXXX. I said that would work. He referred me to someone to set that up. I called and left messages and no calls for several days. When I got the call it was after the XXXX and now Im 2 months behind. So to get my payments below XXXX. I had to pay XXXX. So I did. Now, she was suppose to call me the next day and did not. So when I received a letter in the mail showing my new payment of XXXX a month it was after the date of getting it done. So I went online to set up a 2 month payment in XXXX. Then, something told me to call so I did. When I called the lady I talked to told me it was all set up and all I had to pay was the XXXX. I was relieved. So I set the payment up for XX/XX/XXXX. I thought everything was fine. Then I get a call on XX/XX/XXXX saying they r attempting to collect a dept. I call her back the next day and she tells me they didnt receive the payment. Now it has been 3 weeks since the payment was suppose to come out. I have a confirmation number and a 2 letters confirming all of this. She said that it didnt matter and now to get my loan current I have to pay XXXX. Excuse me??!! Then she says if I can make 2 payments adding up to XXXX that would work and then for 6 months my payment would be XXXX and if I pay the fee of XXXX for someone that drove by to take a picture to prove I am still living here it would bing my payment down to XXXX. I tell her I can only pay XXXX. She says ok. Now my payments are gon na be XXXX a month. This is not right or fair. I called for help in time and now 3 months later my 6 month payment has gone fromXXXX to XXXX. There is something wrong with this picture??!! I believe they r giving me the run around to get more money out of me or something. I have received certified letter saying I have 45 days to comply as of today XX/XX/XXXX. What am I suppose to do. I dont want to lose my home we have been here for 23 years. Help me please.
in XX/XX/XXXX  I purchased a puppy and took him to   XXXX   XXXX   XXXX   during the visit I was asked if I wanted to purchase puppy insurance which was {$35.00} per month, I was only able to use it once because the vet stopped working for   XXXX   in  XXXX  or  XX/XX/XXXX at both locations in my area. In  XX/XX/XXXX I had to get rid of the puppy due to unforeseen circumstances and was still being charged. I received a call in  XXXX  from one of the  XXXX  reps requesting payment where I informed him that I no longer had the puppy, he stated that I was still responsible for the insurance even if I did n't have the dog at that time it was only {$150.00}.   XXXX   XXXX   XXXX   and IC systems are reporting on my credit reports that I owe them {$630.00} dollars as of  XX/XX/XXXX . How did the payment go from {$150.00} at the time that it was reported that the puppy was no longer in my possession to {$630.00}. If you calculate the amount of payments by 12 months it does n't come out to what they are trying to collect. They should not be allowed to continue to charge people for services they CAN NOT provide, or try to over charge for services that are no longer needed.
Back at the time that XXXX sold our mortgage to M & T Bank, we have had nothing but problems. On XXXX XXXX, 2015, I received a letter from them that my mortgage was being raised by {$400.00} a month due to them not takinig care of the insurance the way they should. They received information 6 months before and put it in a file until they felt like it was time to review everything. I contacted them about this and there was nothing that they were willing to do in order to correct it. They said that it is policy and that we have to live with it. This put a financial strain on us anyway due to my partner 's health and my daughter who is in XXXX due to neglect in a group home that almost killed her. She has moved back home for us to take care of the rest of her life due to XXXX XXXX and the XXXX. M & T bank has always been a huge disappointment and we had never even heard of them until our mortgage went to them without our knowledge. M & T has never been on the side of the consumer. It is all about the almighty buck to them. I would not recommend them to anyone ever.
My credit report is stating paid in full for less. I have a letter dated XX/XX/15 which says the entire debt was forgiven. This company has continuously reporting incorrect information. I want all trade lines deleted because they are in violation of FCRA.
I put in a dispute to Equifax regarding my XXXX balance on XX/XX/XXXX via fax since they will not allow me to access my credit report via the internet. I found out on XX/XX/XXXX that the account was never disputed and that it would be another 30 days before anything happened. This has caused a huge problem since I need to go for a loan and am now out of time. I need the balance to show correctly immediately. Spoke with XXXX XXXX in Office of Consumer Affairs, stated at that time the dispute was not processed.
BANK OF AMERICA CHARGING ME FOR AN ADVANAGE ACCT.AT A RATE OF XXXX A MO.OF WHICH I DID NOT REQUEST NOR WAS I ELIGIBLE FOR STATED ACCT.THIS TYPE ACCT.REQUIRES A MINIMUM OF XXXX BE MAINTAINED IN THE ACCT.AND I DO NOT QUALIFY -- THIS HAS BEEN GOING ON APPOX.20 YEARS AND I ESTIMATE OVER XXXX IN EXCESS CHARGES -- ACCORDING TO THE BANK MANAGER THIS WAS MY FAULT FOR NOT CHECKING MY MONTHLY STATEMENT -- I THINK THE BANK AUDITERS SHOULD HAVE CAUGHT THIS MANY YEARS AGO AND CORRECTED THE SITUATION -- HOW MANY OTHERS DOING BUSINESS WITH BANK OF AMERICA ARE AFFECTED??? HELP!!!!!
I have been harassed by Synchrony Bank for the last month. They say they never received my XX/XX/XXXX payment even though they processed my electronic payment. I have the proof from my bank but they say they wo n't accept an email, I must fax or mail the proof. I did n't make the mistake and I am not willing to do all the work when it is their mistake. I need to buy a car and they are preventing me from being able to qualify for a car loan. I want them to make THEIR mistake right.
I had XXXX credit cards with Chase Bank. I will provide the details of all the cards, open date and usability Chase XXXX XXXX : XXXX, Opened in XXXX. Limited use. Used at least once a year. 
Chase XXXX XXXX : XXXX, Opened in XXXX use. Used at least once a year. 
Chase XXXX XXXX : XXXX. XXXX XXXX. $ XXXX. Opened in XXXX. Used Frequently Chase XXXX XXXX XXXX : XXXX. XXXX XXXX. $ XXXX. Opened in XXXX. Used Frequently and heavily everywhere. 

I am very upset and disgusted by the steps of chase bank to close of all my accounts on XXXX XXXX, XXXX without providing me any notice. All accounts all the time paid in full for all the balances. This is severely flawed banking systems in chase. I want chase to return my annual fees and compensate me by reopening my accounts. I do not want to lose my credit history and I do not want more credit checks in my reports. 

Thanks, XXXX
My elderly father phone number was contacted he was told i owe Discover it scared him and Im embarrassed
In XXXX 2016, I used a promotional check from Fifth Third CC ( Bank ) to pay for a large purchase with a 12 month 0 % Interest fee in the amount of {$2000.00} with a balance transfer fee of XXXX. We are careful about being sure to pay the amount off before the ending date. The balance of the card was paid off before we used the check. So there was a XXXX balance on the card when we used the check. Each month when the bill comes there is no date for the promotional ending period. 
Today XXXX My husband and I spent almost 2 hours trying to find out the end of the promotion. Fifth Third then told us the promotion ends on XXXX XXXX. All statements are due on the XXXX of the month. We were shorted an extra month. If I had n't spent the time on the phone trying to get the ending promotion date we surely would have been charged a huge interest rate. Their customer service is told us there was no way for them to figure the end of the promotional rate until we went through all our statements. I believe this is a ploy to be sure many consumers will go over their date thereby adding millions of dollars to what amounts to a semi-scam. If there is n't a law to put the ending promotional date on credit card statements - there should be. I had another promotion on a different card that also shorted the promotion date. But because it gave the ending date for the promotion I was able to get it changed to the correct date. 
When speaking to Fifth Third today, I asked for proof of the check and promotion dates. I was told by XXXX ID XXXX that he would provide this. However their customer services ( I spoke with 4 different people ) and three of the four had no idea what a deferred promotional interest rate was.