WillisBack/dataset-financial-user-claim huggingface dataset:
I had paid for credit bureau freeze service from Equifax a while back. I was then provided with a PIN that would allow me to unfreeze my credit report and allow the Equifax credit score to be accessed by a lender. That PIN has been lost. On XX/XX/2016 - as outlined in the bureau 's procedure I sent copies of D/L and Passport and a {$5.00} check to request a replacement PIN. On or around XX/XX/2016 - the check was cashed ( cancelled check image attached ) BUT I have not received a replacement PIN as yet. I have applied for a mortgage on XXXX so I desperately need the replacement PIN. I had the same issue of lost PIN with all XXXX bureaus : XXXX and XXXX had adequate customer service to solve the issue on the same day. Equifax is an outrageous outfit that should not be allowed to earn any revenue on value added services such as file freeze UNLESS they have adequate customer service to support them. Lost PIN is a common customer experience instance and Equifax has no adequate / fair way to address it.
The Law Office of Burr and Reid XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX have committed several of the above listed violations in the attempt to collect a debt. Continuous threatening letters were sent, some with false court papers attached. They threatened to send me to jail, garnish my wages, sue me and contacted old employers.
I financed a car for over XXXX dollars, I became XXXX when I only owed {$2400.00}. Car appectance now company XXXX CNAC XXXX informed me after they reposed the car, they then sold the car and I now owed the balance after the sale. Which at that time was stated {$1800.00} some odd dollars. They in turned reported to all three credit bureaus an incorrect amount due balance is still {$2400.00}.
This phone number has called several other times on different dates, XXXX. Today, XXXX/XXXX/XXXX, received the call again at XXXX am. Called ID reads " 84 Lumber XXXX '' I answer the call, person on other end asks if they could speak to a particular household member, I stated that was me. Person on calling end stated they were a debt collection service and gave the whole spiel about collecting a debt. I did not understand the name of the company that the calling female stated she was from. She tried pronouncing the name of the company again but in a way that was faced paced and still not understandable. I then asked female why does my caller ID read that she was calling from 84 Lumber XXXX She stated that " this number was given to us after they were no longer using it. '' At that point I disconnected the call. I am submitting my complaint today because if a legitimate collection agency is calling to collect a debt then, regardless of when they acquired a phone number, anyone 's called ID should read what company the call is coming from. When this call came in from this number before on other days, I did not answer the call because I knew that I did n't have any dealings with 84 Lumber and the caller did not ever leave a message.
So I took out {$320.00} from northern plains funding and before taking out any money I asked if there was any interest fee they said I did n't have to pay interest if I did something called a pay down. Which is longer term of payments but cheaper price. So instead of paying {$97.00} a paycheck, I would only have to pay {$10.00} a paycheck for a longer amount of time. I 've already paid up to {$320.00} of payments to them and they are still charging me {$97.00} a paycheck. I can not afford this any longer and it 's really beginning to stress me out. They told me I still owe about {$400.00} more! I 'm only XXXX XXXX XXXX and I obviously do n't have a high paying job to be able to pay them over {$700.00} worth of funds. I think that 's a rip off! NORTHERN PLAINS FUNDING should be shut down for misleading me into their schemes!!!
we applied for streamline refinance with XXXX XXXX XXXX, at the present time our loan was with Flagstar Bank. They sent us a payoff statement, which was paid by XXXX XXXX to the penny, now they are saying there was a XXXX short. We had XXXX in our escrow account. the closing was handle by a lawyer. How can they say there is a shortage after the loan has been paid in full according there letter of payoff. At this point they have taken the XXXX out of our escrow account without our permission. Our lawyer has written them XXXX letters which at this time he has had no response. In XX/XX/XXXX they said we had XXXX shortage in escrow, which we paid even thow the could n't or would n't tell us where the shortage money went. Now after closing on the loan they are saying there is a XXXX shortage.How can they say we owe more after the loan has been paid, by their figures. 
They are saying it needs to paid to complete payoff loan, complete the property lien release, and release the lien from our credit and/or avoid reporting to the credit bureaus. This last letter was written on XXXX XXXX, we received the letter on XXXX XXXX.
XXXX University previously reported an inaccurate separation date for an {$11000.00} perkin 's loan that is set to be out of the grace period within the next few months. The separation date they assigned was 2 years into the future ( XX/XX/XXXX ). After changing my separation date, they had changed it to XX/XX/XXXX. I was still in school for majority of XX/XX/XXXX, and have on record a graduation date of XX/XX/XXXX. The school as well as ACS Education have not been understanding in this, as assigning a separation date while I am still attending school means that one month of my 9 month grace period is one where I am still enrolled in school. With the amount of the loan, the inaccurate reporting of my separation date ( which I just found out a month ago ) and this assignment of a separation date before I have graduated, seems unethical and not following the standards set by NASFAA. I know I am not the only one experiencing this and I really hope I can find someone to help me through this. A grace period ought to be a period of grace for a student loan borrower.
THIS IS NOT A NEW CLAIM I JUST HAD NO WAY OF FILING ADDITIONAL INFORMATION SINCE I DID NOT SEND THE ORIGINAL COMPLAINT TO YOU. THANK YOU. 

Complaint XXXX about Wells fargo XXXX XXXX On yesterday I received a call from the person over the case regarding a letter to the FDIC and it was forwarded to you. He called to say that he needed more time to get more information from the department involved in this. 
He said the new date would be XXXX the XXXX or XXXX. I asked him what information he needed from them and he said information to proceed.I explanied to him that the weather had been pretty bad in Louisiana and with XXXX threatening to dump more rain I wasnt sure if there would be additional damage. Upon origainally speaking with him I told him I was sure termites had come in throught the widow that had issues. 
One of the questions I asked was were we going through this because we were behind in our house note. I explained to them that my hsuband had to leave employment here to go there. It took him a month to find employment. He is doing some very labor intense work so we can catch up on the mortage. 
Today in the mail I received two pieces of mail from Wells fargo. The first was a letter for guidlines for my husband to do the work on a home we paid the insurence on. 
It said that we had to go through this because we were behind in our mortgage. It says we must send them the checks that will send us the money in increments after we provide every manner of support. Including reciepts, checks and other things. 
THIS IS NOT THEIR MONEY. my XXXX no one should have to go through this. I have been displaced from my husband for more then three months. It feels like XXXX all over again. 
We have never filled a claim and we will most likely never again. As I stated someone mentioned to my husband recently that we have been behind several times with our mortgage since XXXX. 
Which brings me to the second letter, one that I can never remember getting, a letter to accelerate the loan or default and be foreclosed on. I think it is very suspect that I make a complaint against them and we have been behind for several months and now we receive this letter dated XXXX XXXX. 
I believe this is clearly retaliation for filing a complaint against them for their practices and the lies that they have told and continue to tell. We are suppose to be a team. But I feel like it is them against us. And we are trying to stay above the water. 

It is now my intentions to provide this information to the media, sadly with this current disaster there will be countless people that they do this too. 
Sincerely, XXXX XXXX
Nationstar Mortgage co. bought XXXX XX/XX/XXXX and first thing they charged me XXXX dollars Attorney fee which I protested and after several months they removed it. and they have assessed my account for XXXX dollars Escrow that is also a lie and for 18 months they have been relentless on me after I have shown them on paper where I only missed ONE month at the most for insurance because of a cancelation of all my auto insurance in XXXX and I did no know that they canceled my homeowners insurance also. I sent paperwork that proved I got Insurance the next month. They also say that I was one month behind in my payments which I have checked all my bank statements that say I am not. Please help me because they are doing this me and maybe a lot of other older people wrong by profiting off of escrow and legal fees. On the first statement they sent me I had XXXX dollars in the escrow line then they changed it to XXXX - sign later. Thanks XXXX Nationstar Acc. # XXXX
Discover Card has stolen {$2800.00} from my bank account and not returned it in over 6 days XXXX so far XXXX. 
Details:1. My XXXX cycle closed on XXXX. I paid the balance in full on XXXX. I have " DirectPay Full Balance '' scheduled to pay the full balance from my checking account about 5 days before it is due. That automatic payment date was XXXX, but the XXXX balance was {$0.00} at that point. 
2. On XXXX Discover informed me that my account XXXX have been compromised and that they were sending new cards with a new account number. 
3. On XXXX Discover debited my checking account for the balance on my account for charges from XXXX to XXXX, which was {$2800.00}. 
4. I spoke with Discover customer service on XXXX. They admitted there had been a mistake on their part and that the {$2800.00} would be returned to me. They offered to mail a check or do a wire transfer. I requested a wire transfer and was told it took 3-5 days. Calls to Customer Service on XXXX and XXXX produced excuses that it was being processed and would take a few more days. It is now XXXX and Discover still has my {$2800.00}. 
5. It is fortunate that my checking account was not overdrawn by Discover 's " mistake ''. I can see how forthcoming they would be making that problem right. 
6. When I make a payment from my checking account on my Discover account, it takes less than a day for the transaction to complete. For Discover to make a deposit into my checking account and have it take over 6 days should be unlawful.
I was paid on XXXX XXXX, 2015 {$1700.00} and have not been able to have access to my money. Rush Card keeps telling people that they are going through a system update, but it is going to be a month. This was my only source of income to be able to pay my bills, feed my XXXX year old and XXXX month old. I struggle day to day trying to make ends meet. I call them everyday and all I get is the same XXXX response. I just want my money that I worked so hard for back.please help me. Thank you
I have an American express serve account. They have freeze my ability to load funds online without prior notification and explanation. I am reloading with my own checking account and I am not doing anything against the card member agreement. It's a violation of them to do so. I hope that they can give me an explanation and recover my ability to load funds.
I took out a loan with One Main Financial and they said that my payment was going to be {$180.00} dollars a month, but when I went online to look at my account summary my payment was only {$130.00} a month. I called them to asked about it but was told to call back, and I called back and was told that they would call me, but I never got that call
First., after XXXX years paying. I requested a loan history to see if my extra princ payments were on it. after because, I had been told that even tho. I had made {$4000.00} in princ payments my 30 year term, is still XXXX years ... do n't understand that at all. 
Secondly, I find there is a check missing of {$500.00} never posted to my acc. that Wells Fargo cashed back in 2009. 
Thirdly, what law allows them to bill me monthly AA fees of {$30.00} plus dollars.? Do the math, that is {$12000.00} in 30 years. not right. gouging people.I want to see the exact paper that I signed regarding that information ... v important. 
The way they do the loan history. no one is able to understand it. ( they do n't want you too ). 
My escrow, I pay all this lump sums yearly of like over XXXX sometimes. and they still jack up my monthly rate ... 
Also, they have a check XXXX sent for my taxes. in XX/XX/XXXX. and then they have XX/XX/XXXX another one {$3800.00}. same year. it is just so messed up. that is not even right ... 
They tell me there is a clause saying somewhere that I am not able after XXXX years to pay my own taxes on my property. 
Trust me, they are v good at dancing around everything. 

I just do not trust them. Also, just forwarded info to a Law office in XXXX Md. that is where my home is located..
Coinbase/XXXX is the same company, I will be referring to them both by using Coinbase. 

I am a customer of Coinbase. On the XXXX, I made a transfer in cryptocurrency from an external company ( XXXX ). The amount transacted was XXXX Litecoins ( worth roughly {$1300.00} at the time ). I sent Litecoin ( a form of cryptocurrency ) to XXXX, to an address that I was supplied for funding my account, and they failed to update my account to indicate the receipt of that transaction. 

While I did make the mistake of using the Bitcoin deposit address instead of the Litecoin deposit address, a small mistake like that should not release Coinbase from their obligation to their customer. 

The issue here lies with the fact that for some reason the address that was supplied by Coinbase works for both Bitcoin and Litecoin, the odds of which happening are very low. In this case Coinbase is the owner of both wallets so they have full capability to correct this matter. 




The transaction may be seen here : XXXX XXXX XXXXXXXX The details for the transaction ID may be seen here : XXXX XXXX XXXX XXXXXXXX The correct transaction is on line 7 : " 7 : Not yet redeemed - XXXX - XXXX LTC '' You can see that the account was credited the amount in question on the XXXX and there are no outputs, so the money is stuck on an account that Coinbase owns. 

It can also be verified via my Binance and Coinbase accounts. Funds were sent and never received. 

I contacted Coinbase immediately on the XXXX. I received an automated response on the same day which provided me with no assistance. I escalated the matter further and received a response on the XXXX that they can't do anything about this. This is unacceptable as from a technical standpoint they as a company are the only entity able to correct this issue. 

I demand that they rectify this issue and transfer the amount I sent to them ( XXXX Litecoins ) to my Coinbase account.
I contacted Discover Student Loans after a loan was reset and shown as requiring a payment I already made. I spoke with supervisor XXXX in XXXX XXXX XXXX, UT who advised me I could make the remaining payment and they could place an administrative forbearance on the loan but they could only do this after I had made a payment. 

To have a system reflect a loan as unsatisfied and require XXXX payments in one month on this loan is a direct violation of my loan agreement and I have received no follow up on if me paying a monthly payment twice would move my due date for that loan forward a month, or how Discover intends to remedy their system error. 

Executive office team member, XXXX XXXX was also aware of this and offered the same remedy of placing an administrative forbearance once the remaining loans had been paid. Discover showed a minimum payment due twice for the same loan, at this point they are aware the loan was paid twice-yet the due date for that loan was not moved further back nor have they made an attempts to rectify this issue. 

Finally I was advised when the loan was reset all the information would move over to the new loan number. The new loan does not show any of the interest paid to date on the loan they reset or any of the prior loan history.
My mortgage company did an audit by a third party and found that I was overcharged {$1000.00} and they refuse to give me an explanation of where they made this mistake. They used the funds against principal without offering my money back to me, which I was told by the auditer was done with other cases. My mortgage company has refused to explain and the people have been nasty to speak with.
I was told by Original Creditor - XXXX that Nationwide Credit Inc. ( NCI ) is the servicer of this old charged off XXXX store card account. They provided me with this phone # XXXX to contact to pay this account in an effort to have it removed from my credit report. However, this company has never contacted me, nor sent me anything with regard to this to dispute it nor anything else and when I call - which I have done NUMEROUS times they have a recorded message that will have you wait on hold for a moment then will say they are not able to take your call and to call back or leave a message. I have tried emailing them and faxing them to no avail. I CAN NOT get ahold of this company in any form or fashion and we are purchasing a home and must get this account Paid/Settled. Can you please look into this matter and contact me back regarding this matter. I can be reached via email at XXXXXXXXXXXX or via phone at XXXX or via mail at XXXX XXXX XXXX # XXXX XXXX, TX XXXX. 

Thank you, XXXX XXXX
I tried to get a credit freeze with Experian on XX/XX/2017. After filling out the online application ( including entering payment information ), I got the following message : " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. Sending us your information To request a security freeze, send all of the requested information via certified ... .. '' ( I am attaching a PDF of this screen to this complaint. ) I never followed up with that paperwork. 

Today, I authorized a lender to do a hard pull on my credit file, and I got a message back that they ( 1 ) use Experian and ( 2 ) my Experian account was frozen. I tried to unfreeze my account via the Experian portal and got a similar message that my request could only be processed by mail. 

More importably, I never successfully froze my account ( to my knowledge ), nor did I get a pin or any notification. 

I would like my credit report unfrozen with Experian because they were never authorized to freeze it in the first place.
To whom it concerns if anyone, I have several DLPLUS loans through Fed Loan services. I have talked to several customer service representatives that have given misleading information. After talking to them about several different loan options like " Pay as you earn '', " income based '', and " revised pay as you earn '' programs all the income based programs that I have gotten quotes on. Then I called company to complete documents for these programs and was told I do not qualify for by another rep. I started talking to so called supervisors of these departments and they recommended that I consolidate my loans. I was told that if I consolidate XXXX of my loans online and consolidate the remaining XXXX loans on paper copy. Then I would have consolidate the XXXX consolidation loans. Then I would then qualify for the income driven plans. Which are much cheaper monthly payments. So then I had to go to another company " XXXX. '' Which has the online consolidation form I needed to fill out to consolidate the first set of loans. So I start the process and needed assistance so I contacted their support number. I talked to a supervisor in that company and she informed me that I only qualified for the income contingent plan that was ridiculously high. Like {$1600.00} a month. There is no way I am signing my name to that amount for just part of my loans through this company. I got on computer to inquire about FED Loans Services and there are thousands of people that experience the same kind of service. Meanwhile they stall and keep me on payment forbearance which accrues interest. This is the biggest scam I have ever seen. And this is a company that controls our kid 's educational future. And this is a Federal Program that should be an embarrassment to government officials that implement these programs. That being said I still have gotten " No Where '' with getting my loans consolidated and or gotten reliable information as to what loan repayment plans that I qualify for that are affordable. This is such a large problem that only thing I know to do is to contact a lawyer which is coming from a person that can not afford to pay these XXXX loan payments. Very upset. 
I am not sure if you can assist me in getting this issue resolved. 
Just to make you aware of how big this issues is here is a couple of links to look at about Fed Loans servicing. Which are not virus links. 
http : XXXX http : XXXX Sincerely, XXXX XXXX
8 Years i cant get a NEW Credit Card becuse of my Credit Burrow File -- -- -- - I live in XXXX XXXX and Cant Contact the Credit Burrow from Forign Country Can the Credit Burrow Please Remove the Consumer Allert Telephone Number in my Credit File so i can Get a New Credit Card -- -- -- -- -- Appying Fore a Credit Card company wants two CALL my Phone number in the Consumer Allert File in The Credit Burrow -- -- -- -- The 3 Credit Burrow XXXX XXXX XXXX and Equifax could not Verify me so 50 Times I mailed 3 Forms of ID two XXXX  XXXX XXXX and Equifax never Help me and respond send ID agin -- -- -- -- - 5 Years i live in Forign Countries and Cant Call a BANK XXXX number Requires International long Disatance cost XXXX dollers a year two Call a Bank -- -- -- -- Im a Refugee and there is no Good way two Contact the Credit Burrow from a Forign Country mail may take months -- -- -- -- -- - I should Not Send coppy of my ID from a Forign Country -- -- -- -- -- -- -- -- - 50 Times I contact the Credit burrow that no bank can Verify me two Open a New Bank Acount