WillisBack/dataset-financial-user-claim huggingface dataset:
I have reached out to ACS three weeks ago about having issues making payment on my loan. They informed me of some sort of income driven repayment and said they would send me an application. I am now a week overdue and I have not received the application. This unfortunately is not the first time I have had to deal with this type of issue with ACS and am finding them sending documents late a recurring issue. I always have to call, sometimes up to three times to get them to finally send me the document I need. This creates my account to go past due and I am then penalized. ACS needs to be a little more on top of sending me the documents I request so I can stay current.
i turned in my lease on XX/XX/XXXX to purchase a new XXXX vehicle,, the dealership paid off my remaining lease payments so i could purchase the car,,, ,i had a 48 month lease started in XX/XX/XXXX .... 
so after the paperwork was finalizied i get a letter in the mail on XX/XX/XXXX, ,that i owe more then what i was told when i called for payoff the day i turned over car,,,, It was for other amounts such as disposition fee of XXXX which were paid when the dealership paid off car,,, also sales tax fees XXXX, ,and a sales tax fee XXXX.they also have a adj lease balance of XXXX ..but when i called for payoff they told me a couple of times it was XXXX ... they have total liability was XXXX ... so the difference they have is XXXX ... but they have put on my credit report that this car was not paid for 8 months,,, and my lease pmt was XXXX per month ... that is wrong i never paid 1 payment late in almost 48 months ... .also they dont show the amount paid anywhere,,, ,i have tried to contact them for the past several months also sent the credit bureaus copies of check i sent them to payoff car,,, because they are showing i havent paid this car in months, ,when actually my lease was up in XX/XX/XXXX ... .can you help me with this??
Bank of America is fraudulently converting idle accounts to accounts that require payments. They have charged me for 3-4 months after converting my virtual banking account to some other account *without informing me*. There has been a lot in the news about companies converting idle accounts so I logged in to a bunch of places including my BoA account to discover they did indeed do so! 

I am abroad and BoA refuses to talk to me via email or provide a toll-free number, therefore avoiding the issue. In the first place, they should not have converted my account!
I was trying to refinance my car and decided to check my credit report. I then realized that Ocwen Loan Servicing had stopped reporting my mortgage payments. The account was either deleted or showing charge-off or closed. I reported the issue to the customer service department and was told they they had been reporting correctly. I then tried to dispute with the credit bureaus and they informed me that Ocwen has stopped reporting and that I can not dispute. I called Ocwen again and they said they had opened an investigation. I never heard from them. I called back and complained again they said that they were not sure why my credit reporting was being " surpressed '' and that they would investigate. I got a letter back a week or so later stating that again the information was accurately reported. I later called in to the office of the ombudsman and complained. after a month or so I again got a letter that the information was correct and that if I had any documents to prove otherwise to send it to them. I called again and emailed the copies of my credit report. I received a call confirming the dates etc on the report. And later received a letter that they would finally make the corrections to my report. I am still waiting to see the corrections. However I watched my credit score drop dramatically across the board. This of course has impacted my livelihood. I was not able to get the refinance rate I deserved I am trying to get better auto insurance and am afraid to try based on my " false '' credit score. This whole process has been goin on since around XX/XX/2016. Thanks for your attention and time to this.
I collect XXXX and buy, sell and trade for such things on XXXX. I saw an ad that was posted for some XXXX. I asked the seller if we could make a deal. We talked on the phone and worked out a deal on I wanted to do XXXX but he couldnt so we decided to do western union. The deal we worked out was XXXX for XXXX pieces of XXXX stuff, a XXXX and XXXX. It was the XXXX time i ever sent a money transfer so i went thru western union. Western union said it couldnt process the transaction but didnt tell me why. So he seller told me try using his brother and he can have his brother pick it up. On XXXX XXXX that transaction worked fine and he told me over the phone he would ship it out XXXX thing in the morning. I tried contacting the seller after a week, no answer and again after XXXX weeks when the items never came and no answer. This is when i know i got scammed. I never would have thought it was a scam because we talked so much on the phone and he knew alot about XXXX and overall just seemed very sincere in personality. So with the western union costs im out XXXX bucks and i dont want this man to do the same to other people.
I paid a Best Buy credit card balance in XXXX ( amount XXXX ). Apparently this payment was received a day late. Then today XXXX XXXX, I receive a statement saying I owe XXXX in late fees and interest for not paying a XXXX initial late charge that was due apparently in early XXXX. I received no bill in the mail in XXXX and that did n't seem strange to me because I thought I had a XXXX balance. Now here is the issue. A XXXX late fee on a XXXX late payment is a 64.96 % late fee. This is not interest but usury! Now top that off with a XXXX late fee for not paying the XXXX bill ( which again I did not receive ) amounts to a 102 % late fee charge on the late fee. And this is legal?! It should n't be. Now the nice lady on the phone that heard my rant ( I did ask her how she could work for such a low life company ), was willing to remove the XXXX late fee on the late fee, which left me with a XXXX initial late fee to pay. I believe such a fee is immoral/and only describable as " greed ''. A {$10.00} late fee and the check would have been in the mail as soon as I knew I still owed anything ( which I remind you was TODAY, not sometime in late XXXX with a due date in XXXX ) but a nearly 65 % late fee. I 'm not taking it lying down. Irony : I just spent {$1400.00} at BB two weeks ago on a new computer. I am seriously considering carrying it right back in and asking for a refund. So BB you can take me for {$27.00} or I can return my {$1400.00} computer. You decide. Have a nice day.
I took out a installment loan with XXXX XXXX XXXX, I made payments and paid down the loan, then had to take more money out. In XX/XX/2018 I had my first XXXX XXXX and I was unable to pay the current payment, Nevada has no XXXX in the State, the manager at the office I took the loan was rude and forceful about me having to commit to payment or he would do nothing for me. I said how can I commit to a certain payment when I have no income? He hung up on me. I tried to catch up the payment, I got back to work and had a second XXXX XXXX, then an XXXX with the XXXX  put in, then XXXX XXXX XXXX, all of which placed me back and forth in the hospital. I tried to borrow some money to make this payment, but could not. This company has called my employer daily and more then once, today I was informed by my employer that the person actually wanted to know what hospital I was in so he could contact me. When my employer would not tell him he hung up. Several more people called all day long and my employer called me again and said I must stop this, he can not run a business with all these rude people calling to collect this debt and asking inappropriate questions and refusing to stop the calls. My son was contacted as well, my sister was called and harassed and asked for a payment. Unfortunately I don't have money, I have paid so much interest, and all I ask for is more time, but they won't work with me and I don't know when I will be back to work.
I contacted IQ Data International about my renter 's debt. While I tried to work out a payment plan, they were completely unreasonable with me, treated me like I was ignorant about how the system works, even tried to explain to me what a loan is. When I tried to propose making the payments I am able to make, they said that the amount was too small and that they would not report the payments or provide me with proof of payment. Since then, it was represented to me that a settlement might be acceptable, about one third of the original totally, but another representative informed me that this settlement would not actually clear the debt, simply remove my name from the list. The actual amount required to settle the debt is significantly higher.
I am a student loan borrower having troubles dealing with my lender. I initially received Stafford Loans after the year XXXX with the intention of joining the PSLF program and entering medical school. After completing four years of XXXX  school at XXXX University in XXXX AZ, I moved to XXXX to start residency training at Advocate XXXX XXXX XXXX. In XXXX, I consolidated my Direct ( i.e. Stafford ) loans and submitted my first application for IDR plan. In XX/XX/XXXX, I started repaying my loans after a short grace period. Each year, I re certified for IDR plans. And each year, I paid monthly, even if the amount was XXXX dollars, based on previously tax year returns. In XXXX, I realized my former application for the PSLF program never went through. Not to fear, the PSLF program was retroactive. I successfully applied for PSLF in fall XXXX and transferred my loans to XXXX in XX/XX/XXXX. Both my previous employer and current employer were qualified under the PSLF program. Each month following, I checked in with FedLoan Servicing to check on number of qualifying payments. Initially, I was told it could take up to 90 business days. Ninety business days came and went. I was later told, the process was taking longer than expected. In XX/XX/XXXX, I escalated my complaints to a FedLoan Servicing Borrower Advocate. I was assured that there was nothing I could do to expedite the counting and that I should continue to wait. I was never given a count on number of qualifying payments. Unbeknownst to me, they considered my complaint an " appeal ''. The following months, I was told that my application was in process, but no definitive count was given. On XX/XX/XXXX, I talked with a Advocate # XXXX. He told me that the appeal process can take up to a year. He also informed me that he would produce an email to expedite the appeal process. He finally told me that I had 8 qualifying payments under PSLF, the first count anyone has given me in 1 year! Stunned, I did not know how to proceed. He told me XXXX would notify me with a letter once the count was finalized. By my records and calculations, I have over 50 qualifying payments towards PSLF. I am getting frustrated calling each month and talking with a different representative, only to be given the run-around and no definitive answers.
Here is what happened : 1. On XX/XX/XXXX I put a XXXX XXXX XXXX XXXX Unlocked smartphone up for sale on XXXX with no returns accepted. Proof : XXXX XXXX XXXX 2. OnXX/XX/XXXX, a XXXX XXXX in California purchased the device for {$580.00} + {$12.00} shipping and she paid through PayPal. 

3. I shipped out the device within the next couple of days, and on XX/XX/XXXX the buyer confirmed that she received the device in perfect working order and that my service was perfect. However, she also requested to return the device. Proof : XXXX XXXX XXXX 4. In accordance with XXXX 's terms of service, I rightfully declined the return. 

5. The buyer ( XXXX XXXX ) proceeded to dispute the payment ( {$580.00} + {$12.00} shipping ) with her financial institution. 

6. PayPal contacted me regarding the dispute, and I sent them the proof that I have supplied you showing that the item was posted for sale with no returns accepted, and that the buyer acknowledged receiving the device. 

7. About a week or two later I got a notification that the buyer 's financial institution decided in her favor, and they reversed the charge without requiring her to contact me or ship back the phone or send me the money in another way. 

8. PayPal has now locked my account and is asking for the {$590.00} ( {$580.00} + {$12.00} shipping ) back from me, even though I do not have the phone. 

9. I have contacted XXXX and PayPal many many times since then, requesting their help, but XXXX just tells me to talk to PayPal, and PayPal just tells me to talk to XXXX or the buyer directly, and that they can not give me the name of the buyer 's financial institution. 

10. I contacted XXXX XXXX directly per PayPal 's suggestion, we had 1 discussion about this issue over the phone, she claimed she was not aware that the dispute was decided in her favor, and said she would have to catch up on email and get back to me. 

11. Since our first contact over the phone, XXXX XXXX has blocked my phone number it seems and is not replying to my emails. 

12. It appears she is trying to commit fraud and scam me out of the phone that I sold her and the money. PayPal and XXXX have done nothing to help in the situation and are completely denying any responsibility to aide in resolving the manner.
I contacted CA on several occasions via certified returned receipt to validate the debt. The CA ignored my requests to verify but continue to report to CRA.
Navient keeps calling me on my cell phone and home phone, 5 to 10 times a day, everyday! Its about a student loan that my daughter took out in XX/XX/XXXX. She forged my signature and got {$3500.00}. I am XXXX and have been since XX/XX/XXXX. I can not pay this loan. I thought my daughter took care of this debt. I have reported her forging my signature for this co-signing of this loan. I am still being harassed by Navient. They only make it more miserable for me to XXXX and worry about how these poor people will get their money. They are very rude and insulting with every harassing phone call to me. Especially the last women I spoke with just a couple hours ago. She insulted me and repeatedly yelled at me, In no way was she professional during her harassing call to me. First it was XXXX harassing me everyday, now its Navient. I would really appreciate it if people were notified before they get these loans that XXXX is privately owned and does n't have to follow any federal regulations!!
XXXX IS STILL PULLING PROMO INQUIRIES FROM TRANSUNION/XXXX CREDIT REPORTS FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX CREDIT PROFILES.
Since XXXX we have paid our mortgage that includes an escrow account for property taxes and home owner insurance. In XXXX XXXX sold the home loan to Penny Mac and they continued to pay the home owner insurance policy that is until XXXX. Our home owner insurance company closed the policy for non payment with no call or email to notify of the situation. Furthermore we paid in XXXX XXXX a escrow differential to cover an increase on the policy supposedly. XXXX XXXX company would not reinstate the policy and when I call Penny Mac they blame us and we asked them where is the money we pay every month towards the escrow, they say " oh, it 's sitting there. This is clearly a case of mortgagee error. Penny Mac has to admit error and apologize and do whatever it takes to reinstate my home owner insurance at no additional cost to us.
Hello. My background check from Checkr says I have a XXXX when this charge was reduced to a XXXX. Please review attached documents.
SEVENTH AVENUE SHOULD PAY THE ACCT IN FULL AS THE INSURANCE OIN THE ACCT
This Escrow officer cancelled my account after i challenged their office fees. 

XXXX XXXX Escrow Officer | XXXX County T : XXXX | F : XXXX | XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX | XXXX, CA XXXX oldrepublictitle.com or ortc.com How can she do that without my consent or knowledge? 
As i buyer, i do have the right to challenge fees, i have done it many times with builders, lenders, etc .... 

I am stunned that this has happened. 
I am buying 3 homes in a XXXX XXXX, and i am using XXXX XXXX XXXX for all of the paper work. 
I XXXX Loan Tie-in cost, and the result was that it is a fee charged when it involved multiple loans, many customers named that as a junk fee. 
The other fee i asked about was the exchange support fee. 

What she did i think was illegal. 

Please advice. I am now trying to get XXXX XXXX from the XXXX office to pick up this account. 

Regards, XXXX
Reporter to credit agency is XXXX. They inaccurately report rental property addresses on property that I own to be personal residences of mine. Makes me look like I have lived in XXXX different places, many times simultaneously. Have tried to dispute with Experian, and update failed to address the disputes. possible XXXX issue is XXXX reporting utility billings as loans, where credit limit is {$0.00} and balances are listed as greater than loan limit. 
At this time, these uncorrected errors are costing me thousands of dollars per year in property insurance costs as insurance companies ( XXXX and XXXX XXXX ) have begun incorporating credit score into premium rates.
I bought a XXXX phone for my girlfriend 's son in XXXX XXXX while I was on vacation. After XXXX months the phone was stolen from him. He never informed me that the phone was stolen, I found out late XXXX 2014. I asked him if he contacted XXXX about turning off the phone? He said he could not turn off the phone because XXXX needed my social security number. I did not give him my ss #. 

I got a phone call from XXXX in XXXX 2014, that the cell phone bill was {$430.00}. I explained to them that the phone was stolen in XXXX XXXX. and asked that they shut off the phone. XXXX said, " I WAS NOT THE OWNER OF THE PHONE AND COULD NOT REQUEST TO HAVE IT TURNED OFF. '' Then I asked, " So why are you telling me that I owe XXXX {$430.00}, if the phone is not mine? '' I said to the representative that something does n't sound right about this. '' XXXX months later, I received a bill in XXXX from XXXX saying that I owe {$840.00} and It 's going to collections. 

I immediately called XXXX and demanded an explanation. I was told that since I bought the phone, I am responsible for the bill. I challenged that statement because of what they told me 2 months before, that I was not the owner of the phone! 

I received a collections letter from an agency demanding {$430.00}. Then I received a second collections letter from Maury Cobb & Assoc. LLC form XXXX, Al for {$820.00}. 

The first XXXX calls from XXXX were threats to collect the debt via voice mail, calling my phone at least XXXX times per day. They use XXXX, XXXX and XXXX numbers to call, and rotate the calls daily. 
I have tried calling XXXX on numerous occasions, at least XXXX times per day. Whenever I call the numbers back, I receive a recorded message to leave a message and someone will get in touch with me. 
I contacted XXXX again but they insist that I have to pay although - : ( 1 ) The phone was stolen and was not in my possession ; ( 2 ) I pointed out that they told me I could not turn off the phone ( while the bill was at {$430.00} ) ; ( 3 ) They said that the phone was not mine, and I had no authority to turn off the phone ; ( 4 ) Then 2 months later, they insisted that I am now the legal owner of the phone and have to pay {$820.00}. 

Can someone please tell me what 's going on with XXXX and Maury Cobb & Associates LLC? Am I responsible for the {$820.00} bill?
Hi : There have been multiple incidences, beyond what will be explained this complaint. In which Citigroup, has failed to provide adequate customer service. There are visits to local branches in XXXX including XXXX and XXXX XXXX XXXX XXXX, that abuse federal consumer rights laws. 

Citigroup, failed to honor the verbal agreement, to return the original payment XXXX for a carrier locked ( XXXX phone ) purchased online XXXX XXXX. Citi agreed to return all funds, based upon submitting the required documents. Thus, including a receipt with original purchase date. The required documents were submitted thru usps and were delivered. Citi revoked the arrangement without notification and deducted the XXXX, during the XXXX holiday season and demanded the documents be re-submitted or no refund.. 

Here is the usps tracking number:XXXX ... Citi Case : XXXX The original seller was contacted in additional to XXXX and XXXX, in every effort to return the phone and receive a conclude the dispute XXXX, citi and XXXX were contacted individually.
I got a loan in a  Furniture  store for my goods.   XXXX   XXXX   is the lender. Some terms in the contract were not clarified by the salesmen and finance company. like payment is twice a month and the amount of interest in the account is extremely high ; if the purchase was {$1000.00}, but total to pay off is around {$2100.00} ; it is the double for interest of original finance, this was not clarified at the time to sign, not include a discrepancy when pay if my payday is on  XXXX  and  XXXX  ; They put it in contract twice and the interest increase another %. By today (  XXXX  ) I have paid a total of {$1500.00}. Also I do n't have a clear chance to check my balance. Thanks
I 've been working with American Medical Collections company to facilitate the resolution of some laboratory charges. In this I have asked on XXXX separate occassions to be called after XXXX pacific time during which I 've worked with them on several tactics to resolve this. They continue to call me during working hours despite this communication and have been push XXXX. 
The billing problem originally occured because the lab I was scene at did n't validate my address or my insurance info. I went to collections without ever receiving a bill or phone call. Once in collections, I requested the original biller 's address and my account number and sent a photocopy of my insurance card so they could bill the correct insurance. 
AMC left me alone for several months while we waited for this to resolve the issue. Apparently my letter was ignored because I received more calls recently ( again, during my working hours despite the notes I asked put on my account ). 
The last polite call I received said they would mail me a form so I could forward it to the insurance company myself. After XXXX I have not received the form and got more pushy calls.
I was told when I purchased a home in XXXX that I was a home owner, I lost my job in XXXX and I fell behind on payments I asked to do a short sell and was told I could n't because the property is not in my name. I ca n't even receive assistance from companies to catch the payments up.
Supposely I owed a Utility Bill of {$100.00} for a home I owned at one time. I did'nt owe it but paid it anyway. I have record of such. It was closed and is still listed on my credit report.
Found late payments reported on credit after comparing lates reported against the dates my account was in Forbearance during the times that late payments where reported. I previously contacted Navient about this and they said that the account was being reported correctly.
IN XXXX I sent a letter requesting verification of a debt/collection account reported on my credit report. 

The company responded that the original creditor could not provide the written document I requested and the item would be removed from my credit report. 

I then received a photocopy of a " final bill '' from the debt collection agency showing an incorrect address where service was provided and none of the information I 'd originally requested from the debtor which was a signed original service contract and a payment history. 

Again, I am requesting this account be removed from all XXXX of my credit reports as the information they have attempted to provide is not the items I originally requested and the photocopies they provided are from an address I 've never lived at.