WillisBack/dataset-financial-user-claim huggingface dataset:
I utilized a promotion offered through PNC Bank for 0 % interest through XXXX XXXX. I have made my payments faithfully on time. I used the credit card for purchases in XXXX and XXXX XXXX. I paid the entire balance of those purchases. I understand that my " grace period '' is waived on all new purchases for the credit card. I also understand that my minimum payments go directly toward the promotional balance. Any amounts paid above the minimum payment goes to the highest interest balance. I contacted the credit card company on four different occasions in XXXX XXXX - the XXXX most recent being XXXX XXXX when I spoke with XXXX and XXXX XXXX when I spoke with XXXX XXXX. I was told by both of these representatives, in addition to the XXXX representatives before that ( XXXX of which is named XXXX XXXX ) that my promotional balance is {$2700.00}. They told me that in order to avoid paying ANY interest or fees on the account, I must pay any amount over-and-above that balance. On XXXX XXXX, my next credit card statement was issued. I have attached a copy of that to this complaint. That statement indicates my total promotional balance is {$2700.00}. I contacted the credit card company today, XXXX XXXX, and spoke with XXXX XXXX who indicated that I must pay approximately {$540.00} to avoid interest charges. I asked to speak with her supervisor and I was transferred to XXXX XXXX. XXXX told me that I must pay approximately {$280.00} to avoid interest charges. I asked to escalate the situation to her supervisor and XXXX indicated that she does not have any supervisors or bosses. She said there is no one else who can speak with me about the matter. I asked to file a formal complaint, to which she did file and gave me a reference number of XXXX. I also verified that PNC records all of their phone conversations. I asked whether she would review the previous calls and she said no. 
I do not understand how my promotional balance can change so drastically from XXXX person to another. I was told by XXXX representatives that it was the same - {$2700.00}. I understand a few dollars here-and-there with fees, etc. I was prepared to pay the balance of my card down to {$2700.00} to ensure I would avoid further fees or interest. However, after speaking with XXXX today, it appears that is not an option.
In XX/XX/2016, The company XXXX XXXX  XXXX called me representing themselves a XXXXXXXX XXXX XXXX XXXX. They advised me the would could reduce the amount of the loan through a new program offered by student loan service. During the phone conversation on XX/XX/2016, I was unsure of the legitimacy of the company, as I was online at student loans website and saw no reference to the company. I STOPPED the application process. I advised them on the recorded conversation that I wanted nothing to do with company, and that I had not completely fill out their contracts. 

I contact XXXX XXXX  and verified what happened during the Ameritech conversation. Student loans advised they nothing to do with the company and received several complaints to that fact. I advised I stop the application process, and my account should be affected. On XX/XX/2016, I Voided the contract. 

XX/XX/2016, I started receiving emails requesting the documentation be completed. I contacted Ameritech Financial and advised there was no contract with and I wished not to participate as stated in XX/XX/2016. 

A few month goes by, and I was still receiving requests from Ameritech Financial to finish the application process. I decided to check my credit report as I was looking for employment and wondering why I was being denied interviews after a background check process. 

I found that my XXXX XXXX  had been refinanced from several loan amounts, to one huge loan amount of {$56000.00}. I contacted student loan services who advised to call Ameritech, as XXXX XXXX could no longer assist. 

I called Ameritech several times to be advised there is nothing Ameritech could assist with. I called back requested a manager and told them the manager there is no contract and I request to stop the application process during the offer to me, be brushed off. 

I have an insurance license, I was unable to procure employment based on my credit report being XXXX. I refused to pay the company as they consolidated my loans with out my full expressed consent. 

I have attached screen shots to show my loans which were individualized, shows refinanced and switched for a period of 5 to 6 months, and requesting payment. I also included the contract, some emails showing I requested to cancel all documents and proceeding, and the report showing the damage to my personal character. 

The adjustment made to my student loans are egregious. I received a class action law sue noticed and truly believe the advertising and presentation of the company were misleading and of unfair practices.
Equifax is reporting a single state income tax lien XXXX attached ) in duplicate on my credit report. 

I had a Georgia income tax lien XXXX XXXX XXXX ) placed against me on XXXX/XXXX/XXXX and paid the lien in full on XXXX/XXXX/XXXX. The Georgia Department XXXX XXXX charged a fee of {$25.00} in addition to the original lien amount of {$740.00} for a total payment of {$770.00} to satisfy the lien. 

The XXXX XXXX XXXX Court recorded the lien when it was placed XXXX XXXX XXXX in XXXX and then again to indicate its satisfaction XXXX XXXX XXXX in XXXX. Equifax is misrepresenting the recording of the satisfaction in XXXX as a SECOND tax lien on my credit report. 

Neither XXXX are reporting the second fictional lien but Equifax is XXXX see attached public records potion of my credit report ). 

Equifax has been put on notice by me and responded with Confirmation # XXXX XXXX see attached ) claiming they had investigated the matter and determined that each lien was reporting correctly. 

Either Equifax conducted NO investigation of my complaint dated XXXX/XXXX/XXXX ( see attached ) or their investigation was so SHODDY as to, in either case, constitute a violation of the FCRA by willful or negligent actions on their behalf.
I submitted a complaint to the XXXX and Chase corporate and have not received a response. On XXXX XXXX, XXXX I went to a Chase branch on XXXX XXXX XXXX, XXXX NJ XXXX. I had a coupon that offered a {$300.00} bonus if I open a Chase Total Checking Account and set up a direct deposit. The relationship banker, XXXX, that was helping me did not mention until she was done setting up the account that I 'm not eligible for the coupon until XX/XX/XXXX. I guess she wanted her commission badly because she promised to apply a code XX/XX/XXXX if I call her with another coupon. The XXXX was a XXXX and XX/XX/XXXX and XX/XX/XXXX was a weekend. I called the branch on XXXX and XXXX but XXXX was n't there. I finally caught her on XX/XX/XXXX where she was with a client and promised to call me back but never did. On XX/XX/XXXX I called again and she tried to apply my coupon. She told me that the system was n't recognizing it when I know it was a real coupon sealed, unopened and was originally from Chase. She said she would call corporate for help and call me back. She never did. I believe that I was tricked into opening an account at Chase because I never intended to have an account and was only hoping for the bonus. I do n't think Chase has the right to offer false bonuses to lure in customers. Moreover the relationship banker should have told me that I 'm not eligible for the bonus before opening the account.
Ocwen home equity loan. 
1. Error-riddled information. Every bill has different amounts, even phone calls they give different amounts. 
2. Illegally foreclosed on my home, no payments behind at the time. 
3. Failed to credit my payments : They refused to apply payments to my account in the past. Now they are showing my account as past due, even though I 'm on auto pay. Bank records show 12 payments made, they are showing only 11 payments. The also reported me to credit bureau for late payments. 
4. Escrow accounts : Ocwen added escrow account without my knowledge or permission. 
5. Ocwen failed to investigate and respond to my complaints : 6. When my loan was brand new they added a late payment.
One of my student loan providers is Discover. I 've attempted to call them and ask them for a lower monthly payment plan but they advised they do not have any plans like that. They only offered to provide a forbearance in which I 'm not interested in because I do n't want to have my interest increase. I mailed them a request in writing to list all the options they have to help me pay them but they responded stating to give them a call. I am a graduate out of XXXX XXXX University and live pay check to pay check to get by. I feel the loan providers should be more flexible especially because this is a very known issue that happens to XXXX and maybe XXXX of graduates. Something must be done, this is simply unfair. I feel XXXX XXXX University is a scam and they promise a lot of things that they do n't keep.
**Please note, this complaint was originally submitted under # XXXX through the US mail. Despite sending it return receipt requested and receiving a signature, when I tried to follow up, there was no record of my claim I consolidated all loans in XX/XX/XXXX with a company called suntech. My original promissory note was for {$37000.00}. Under federal statute ( and what I was told my the loan agent ) this was a 20 year consolidation. I never received ANY disclosure to alter the terms of the original promissory note. 
This loan was sold multiple times. I continued to pay to each and every company as agreed, even paying over the amount for multiple months in an attempt to pay off earlier. Each time, I specified the extra amount was to be applied to principal. 
In XX/XX/XXXX the loan was acquired by XXXX XXXX. 
1 ) they claim the prinicipal amount at the time of acquisition was {$43000.00}. After 10 years of payments, they claim my prinicipal increased from the original promissory note. Despite multiple attempts to show them it is just not possible, they absolutely refuse to acknowledge this. I have sent copies of promissory notes and pages of cancelled checks to prove what i have paid. 
2 ) They claim the original consolidation was {$43000.00}, yet they are unable to provide me with any disclosure that would have changed the loan from the binding contract. 
3 ) They refuse to give me credit for all canceled checks provided to them, insisting they are only responsible for giving me credit for payments made to them. This in essence negates 10 years of payments and some {$40000.00}. 
4 ) They have missapplied multiple payments, often with XXXX going to prinicipal and multiple late fees within the same month. They have also charged late fees when I have provided proof that the check has cleared my bank well within the grace period. 
5 ) I have tried every avenue, yet they hold fast to their stand. Every time anyone questions them, they give the same pat answer that they have reviewed everything and they are in the right. They REFUSE to accept any proof of payment made before they acquired the loan and REFUSE to acknowledge that it is just impossible for the principal of a loan to increase after 10 years of payments. 
They have even gone so far as to request that i no longer " bother '' them with my concerns, they are done explaining themselves. 
I maintain that the original amount was {$37000.00}, a 20 year consolidation loan and if all payments had been applied correctly ( as shown by attached amortization by a forensic accountant ) this loan is not only paid in full, I have overpaid by some {$3500.00}.
Along with " false statements or representation, '' Communication tactics, continued attempts to collect debt I do n't owe, disclosure verification of debt, improper contact or sharing of information, and taking or threatening to take an illegal action all apply to this complaint. 

In XXXX a credit card was opened in my name. I was not aware of this until years later and took the necessary steps to clear it from my record ( filed with the 3 credit bureaus, disputed the debt with the agency, etc ). The last I heard about this was 4 years ago. Since then I took a job outside of the US and had n't heard anything about this dispute. 

Late last month, the Weinman Acquisition Group began calling multiple family members still located in the US. They said that they were serving me with papers for refusal to pay a debt. The caller claimed to work for for the county I previously lived in and he would be filing charges if I did not pay the money owed. These messages were passed on to me so I called the company back. I spoke to someone on the phone who said that they did not have the ability to call non US numbers and I said that did not give them leeway to call family members in lieu of me. I told them they were contacting me regarding an identity theft debt that has already been disputed. I asked for information regarding the debt and they emailed me the amount, credit card company, card number and account number. I tried calling back but could not get through to anyone. 

They continued to call my family and threaten legal action. I finally got through to someone yesterday and once again said that the harassment against my family members needed to stop and said that this debt is not valid and disputed. The woman on the phone said that she was legally allowed to call my family no more that once a day. I asked her to verify her company name, address, telephone number and professional license number. She responded with " Absolutely not. '' I said I needed debt verification and I wanted to know who they purchased this debt from. She proceeded to speak over me and continued to say " I will put you in refusal to pay '' and then hung up. 

I called back immediately. As soon as she answered the phone, the woman said something along the lines of " You need to stop calling us. '' I said that I was simply seeking debt verification and she said that if I continued to call she would press charges against me. 

I called the XXXX who said that this company was not on their radar until XX/XX/XXXX, which is when they first started calling my family. They are threatening, they have had people pretend to be law officers leave messages, they did not tell me how to dispute the debt or seek verification of the debt. They would not give me the name of the original creditor. They would not verify that they are licensed in their states. Ultimately I want them to stop contacting my family members but I also want to file a complaint so their tactics are officially on record. I ca n't be the only one dealing with something like this.
This account is being reported and it is over 7 years old there is even to different account number.
Ditech made several mistakes with my account in the month of XXXX, including taking an extra payment. I asked for a refund of that extra payment and Ditech negated my XXXX 2016 payment to issue my refund INSTEAD of reversing the extra " principle payment. '' As it stands now, my account is in default, but showing an unwanted principle payment. Because of its default status, Ditech collections department harrasses me by calling XXXX to 4 times a day, INCLUDING THE WEEKEND! I have asked repeatedly to have the account corrected ASAP, but all I get is rhetoric that it will be done soon, but it never gets done.
This relates to an international transfer of funds from my bank in the United States to a recipient who lives in  XXXX , using a service called  transferwise.com.  The amount of the transfer was  XXXX   XXXX , plus a  XXXX    XXXX   fee charged by transferwise for a total transaction of  XXXX   XXXX .     Per transferwise 's instructions, I directed my bank to send  XXXX   XXXX  to  XXXX ,  XXXX  And  XXXX   (   XXXX   ), t he bank in  XXXX  designated by transferwise to receive the funds. A day o r two la ter, I received a communication from transferwise informing me that only  XXXX    XXXX   had been received. I confirmed with my bank that it had indeed sent  XXXX    XXXX  , so I asked transferwise what happened to the missing  XXXX   XXXX .     At first, transferwise said that some bank along the way MAY have charged a fee on the transfer. Later, it became clear that transferwise 's own bank was the one that charged the fee.     My complaint is that transferwise knew that its bank would charge a fee but failed to disclose that fact prior to the transaction. I would not have used this service had I known of the additional fee.     I have asked transferwise to reimburse the fee, but they refuse on the basis that it was the bank, not transferwise, who charged the fee. Transferwise does say that they will return the  XXXX   XXXX , but cautions that its bank may once again charge a transaction fee on the returned funds. Additionally, the fee I paid to my bank in the United States for originating the transfer in the first place will be forfeited and I will incur an additional fee from my bank for processing the returned funds.
I've been served a summons on debt I was unaware of on a bill that is from XX/XX/2016. I had a medical bill from an er doctor that was turned over to collection agency. I have been at the same address for 5 years until 4 months ago and I have had the same phone number over 15 years. All of my credit reports show this information. The collections agency has made zero attempts to call me, mail me or send me anything certified. They found me at my new residence which isn't even in my name so why couldn't the collection company have reached out. I have XXXX debt in collections and always pay my bills so for them to sue me without notifying me is ludicrous. 
I have spoken with the agency and they are not willing to budge. They will not take off the lawyers fees which is {$500.00} and all the tacked on fees. I am willing to pay the {$1200.00} and {$120.00} in interest fees but they are demanding over {$1900.00}. 
I have reached out to the XXXX XXXX XXXX to file a complaint, the attorneys general office of Nevada and multiple lawyers researching my rights.
My husband and I recently refinanced with LoanDepot. I went to set up an account tonight for our mortgage online at their servicing website https : //loandepot.loanadministration.com/ and am not at all confident in their security practices. For example, they do not allow special characters in passwords, which is a standard security practice. Were this for any other financial product, I 'd " vote with my feet '' and take my business elsewhere, but I feel stuck with their inadequate web security practices, since they own my loan.
Since XXXX of I have been receiving calls from a company called Northwood Asset Management Group or NAM on a payday loan I owe with XXXX XXXX XXXX. I contacted XXXX XXXX and they said the loan had been discharged to NAM. I agreed to an agreement with NAM for a payment plan and NAM withdrew the funds from my account on XX/XX/XXXX. When I went to find a web address for NAM I could not find one at all. All I found was complaints about this company and that they may be fraudulent. I placed a stop payment on further withdrawals until I could receive a letter in writing from this company. I have since been repeatedly contacted by a man named XXXX XXXX who has contacted me at work and threatened legal action and wage garnishment. He has also contacted my parents as well trying to get a hold of me. He did send me a PDF file which I have attached but has never sent me anything in the mail and always calls from different numbers. I want to get this debt resolved but I want to make sure the money day I am paying is actually going to XXXX XXXX.
On or about XXXX/XXXX/XXXX I received a communication from Suburban Credit Corporation attempting to collect a debt for XXXX XXXX. I wrote to Suburban Credit Corporation on XXXX/XXXX/XXXX disputing the validity of the debt, requesting verification from the original creditor including a statement of charges made and payments received, and demanding they cease collection activities. 

On XXXX/XXXX/XXXX I received another demand from Suburban Credit Corporation. They failed to verify the debt, they did not provide proof of the debt, and the communication was a collection attempt. 

The medical bill to XXXX XXXX has been paid in full, and I have proof of payment in full.
I have a mixed file on my report Bankruptcy, Not Mine. 

I have a 30 day late on my XXXX XXXX Account, I was never late.
Transunion did respond however I am very upset with the results ... I file a dispute with inquiries and XXXX XXXX XXXX  ( aka ) XXXX XXXX  ) also I file a dispute with XXXX XXXX ... XXXX XXXX did investigate and found this account to be fraudulent!
Etrade Bank agressively marketed HELOC in XXXX. I replied and eventually signed loan documents for a HELOC on my primary residence. The line of credit was {$350000.00}. All payments were made thru the Etrade website, which was XXXX of their marketing tactics since the HELOCs were targeted for current Etrade customers. I already had a brokerage account, a XXXX IRA, a XXXX IRA, and a banking account. They sold me due to the fact that I could make payments/monitor the account online ... .all in XXXX place, with my XXXX user name, log in password, etc. I had excellent credit and was receiving many offers at the time. I went with Etrade for the convenience and because I knew Etrade to be reputable, responsible and had a well designed website and method for making payments, transferring money, etc. XXXX then took over the processing of the HELOC ; I was still able to use the website with the one username, password, and see all accounts in XXXX play. I did n't have any problems for the almost 7 years of making monthly payments thru their website. In XXXX XXXX, things changes drastically. I continued to make my payments the same way I had for years ; eventually I saw that my payment to XXXX had been put back into my checking account. I thought.. '' Well, that is strange.. '' However, by the time this had happened I had already made the next month 's usual payment in the same way I had for almost 7 years. Then, I get a threatening phone call from a company saying they were a debt collection agency, that they were taking legal action against me. I called the XXXX customer service number for Etrade and explained what happened. I was then told that a company called " XXXX '' was now " in charge '' of my loan. I said, " What does that mean? My loan is with you. '' He agent replied, " I do n't really know..I do n't really do HELOCS '' I said, " Okay, can you connect me with someone who DOES " do '' HELOCS '' He said, " Mamn..there is n't anyone. You have to call XXXX. '' I said, " Did XXXX buy the loan portfolio or are they just a servicer? '' He said, " They bought it. Well ... maybe they did n't ... '' I said, " Etrade is a reputable company. I 'm sure there must be somone who has been designated to oversee the transition for the customers. '' He said, " There is n't ''. I then called the corporate office, explained my situation to the person hired to funnel calls and she came me the name and number for an employee who would " know what to do ''. After more than 2 weeks of speaking with this person, my problem with XXXX continues.
XX/XX/XXXX received dunning letter from Midland Attorney, XXXX, XXXX XXXX XXXX. Sent Debt Validation Letter - no reposnse. Not two weeks later I receive another dunning letter from Midland Credit Management ( MCM ) on the same alleged .debt ; Again I sent a Debt Validation Letter - no reponse. 2.5 years pass and I receive yet another dunning letter MCM. Again I send another Debt Validation letter ; this time MCM responds with less than validation. PLEASE NOTE THAT THIS DEBT IS NON COLLECTIBLE per order of the Consent Decree Between XXXX and the Consumer Financial Protection Bureau from XX/XX/XXXX. Also MCM violated the FDCPA and Massachusetts CMR 940 7.08 by contacting me XX/XX/XXXX without first Nvalidating the the alleged debt first from XX/XX/XXXX.