WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a construction loan through XXXX ( branch of Synovus ). After asking for a detailed list of steps involved in the process, I was verbally informed one of the steps would be to add my builder to their approved list of builders. My understanding was this was an effort to establish an ongoing list of approved builders in order to expedite the customers search for a builder. After approximately 8 weeks, I was informed they were unable to add my builder to their list due to them reaching the maximum number of builders acceptable by corporate policy. I was not aware this was a potential risk to my construction timeline and they were absolutely unwilling to make an exception. I requested a list of approved builder qualifications, but they insisted this decision had nothing to do with anything else. When I asked for the situation to be escalated, I received poor customer service from several people in mid level and upper management within both XXXX and Synovus. They failed on multiple accounts to provide promised follow up calls and none were knowledgeable about the policy. Due to time constraints for myself and my builder 's schedule, I had no choice, but to pursue a loan with another institution. As a consumer, I feel this was a very poor and costly experience. This has caused much stress on me and my family and it should have been avoided or at least properly disclaimed and explained. This would 've enabled me to make a more informed decision and account for the potential setback.
I have been charged back a payment I received from a friend 's husband/boyfriend for {$250.00} ( because the funds were paid to paypal with a credit card and the payer subsequently disputed the transaction an unauthorized ) and was charged an additional {$20.00} fee. I was asked by this couple to receive their funds and XXXX XXXX them the cash becaue they did not have access to their paypal card. They sent me several amounts and I provided paypal with documentation that I then sent the funds via XXXX XXXX to the couple. The couple is defrauding paypal and paypal, who accepted the " unauthorized '' credit transaction, has transferred the liability to me. Which is illegal. Upon several calls totaling about two hours, paypal has maintained that they will continue to charge my account for the " fraudulent '' transaction that they accepted.
JP Morgan chase bank holds the proceeds from a flood policy payment as a result of hurricane Harvey. For 4 weeks, I have tried to get money disbursed. Rather than disburse the funds in accordance with their own policy, chase continues to demand additional information ( much of which does not exist or is not required ) as a way to delay paying these funds. I have asked to speak to someone who can review the file, approve payment, and issue the check within XXXX business days. Chase refuses to put me in contact with such a person, and insists that it can't be done. Then, they demand more documentation further delaying the process, while telling me there is no way to move the process forward. For example, after being told payment would be issued by XX/XX/XXXX, I was told several times it was being processed before being told on XX/XX/XXXX that it had been cancelled. Chase then demanded a signed contract ( which does not exist ). I submitted an invoice from the contractor. Chase insisted it had to be signed. I complied with that request and asked to speak with someone who could review it, approve it, and issue the check. Chase refused, and then called the contractor and demanded a copy of his license. GC 's are not licensed in Texas, so chase then asked for the license numbers of any subcontractors. He provided that, and chase responded by demanding a copy of the license, a publicly available document from the state of Texas website. Even though this process has been going on for 4 weeks, and chase has had all information it requested for 4 days, it refuses to place me in contact with someone who can approve the disbursement. My expectation is that chase will demand additional information to continue delaying payment since they refuse to put me in contact with a person who has the authority to approve payment. Feel free to contact XXXX XXXX at chase bank in Georgia, XXXX. She candidly admits she can't resolve my problem, but refuses to transfer me to someone who can.
Did not received any documentation to the response the company made to previous complaint : ID XXXX. Will like documentation that support response.
Debt collectors have n't called outside of proper hours, however I am having an issue with debt collection companies not providing me with a receipt for my monthly payments. I 've spoken with multiple representatives and supervisors who always claim they 're going to resend it but they never do. A common practice for these companies is to only allow you to speak with XXXX person who is authorized to handle your account. The issue with this is very rarely is that specific person available to take my call and when I leave a voice message my calls are never returned. It is ridiculous that I have to make demands for something as simple as a payment receipt. These companies need to improve their customer service now!
On XX/XX/XXXX or before I closed my XXXX XXXX XXXX by phone. It was a secured card. My balance that day was {$1100.00}. The {$1000.00} security account was paid to XXXX XXXX reducing my balance to {$160.00} which I paid through my bank that month. 
The account was closed and paid in full. Subiscqkelty while I was in the hospital I started reciveing account statements for late fees starting with {$35.00} adding another {$35.00} each month. I did not have anyone alerted to pay a bill from XXXX XXXX because the account was closed and paid in full. By the time I saw and called the first bill was for about {$70.00}. They are now demanding over {$100.00}. 
I made three calls, one a month to fix the problem but was stone walled. No one called me back. I was not given a place to write or email. I was not allowed to talk to anyone who know what was happening or could fix the problem. All they did was threaten. 
When I closed the account a payment from my secured account of {$1000.00} was made well over the {$35.00} minimum payment needed for XXXX. My payment of {$160.00} was made upon demand constituting a second payment for the month of XXXX. I paid twice and they charged me a late penalty. 
As I attempt to get their attention they continue to add on charges every month to a closed account with a XXXX balance. 
I get the feeling in dealing with them that they are accustomed to such contemplates as mine and they have no interest is fixing the problem as long as they are making money. I am a senior citizen and feel I am being taken advantage of by XXXX XXXX.
I bought an XXXX computer on a promotional rate with a Barclay Credit Card. It was a program set up through XXXX. <P/>When I did the promotion I received a general credit card to use anywhere as well. <P/>I 've been paying monthly payments for more than a year and was recently shocked to learn that very little went toward paying off the promotional rate. I thought they were applying some of my payments toward this but turns out they were not and they say they did not have to until the last two months of the promotion.
<P/>I 'm quite confused about when I make payments how to make sure it goes toward paying off that promotional purchase. I can not figure out how much of each of my payments is even allocated to paying it off. <P/>The promotional rate ends in early XXXX and I 'm still trying to figure out how I can pay it off. <P/>The promotional purchase is roughly {$1000.00}. The total amount I owe on the card is {$4000.00}. <P/>I want to make a couple of payments between now and XXXX so it 's paid off. <P/>I feel this is very misleading. I have another promotional purchase card with XXXX XXXX and they are very upfront about the payments and applying it to the promotional amount so you are not charged back interest. <P/>I feel this is very misleading and sets consumers up to fail and owe the bank all the interest from date of purchase.
Upon final credit check to get the clear to close for our home loan, TransUnion has reported another person 's info including name and employer onto my,  XXXX   XXXX , TransUnion credit report. There are  XXXX  collection accounts and  XXXX  open account that is 2 months past due, these accounts belong to a man named  XXXX   XXXX   XXXX  who works for  XXXX   XXXX  ( as reported on my credit report ). Upon contacting TransUnion to inquire about this I was told I had to file a police report for identity theft to get these removed. I spoke with local law enforcement and based on the situation state that a police report is not necessary because this is not identity theft but rather and error on TransUnion 's part for entering the other gentleman 's information incorrectly ( Social Security Number ) ... ..I called all the account holders and collection companies listed that were not mine to discover they did not have anything with my name on it and in fact that  XXXX   XXXX   XXXX   XXXX  little hasty and asked how I got someone else 's account number when my name is n't on the account ... .even as a joint as listed on TransUnion Report ...  XXXX  then proceeds to tell me that they have to have a police report in order to remove the wrong account. I am wanting all the negatives and collections and anything else pertaining to  XXXX   XXXX   XXXX  with last  XXXX  SSN :  XXXX  to be removed immediately ( no later than next week ) because it was TransUnion 's mistake. The last  XXXX  of my  XXXX  :  XXXX  ... .all the other numbers of the  XXXX  for both are identical except the last digit ....
I continue to get hard inquiries from Chase Credit Card company after continually contacting them and not getting the problem resolved. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
I purchased a car in XX/XX/XXXX it was a XXXX XXXX and it was a total loss in XX/XX/XXXX, My Insursuce paid the depreciated value, Then there was a balance left which I had Gap Insursuce to cover the balance, But Santander Consumer USA didnt file a claim for it. They were trying to make me pay the balance So they ruined my credit with it by putting a charge off on my credit report
I have sent several letters to Equifax disputing items on my credit file that do not belong to me. The Inquiries was XXXX of them. I was a victim of identity theft and somehow my personal information was stolen. Please help me to get these unauthorized inquiries remove from my credit file. Please remove unauthorized Inquiries from XXXX XXXX to XXXX XXXX.
I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I received a voice message on my cell phone from a collection agency. The name of the agency was not provided. The female caller 's message gave a number and a website, XXXX. I was unable after several search attempts to find the site. 
I called the number provided and when I asked the name of the caller, i thought he said XXXX. 

This billing is related to charges by XXXX XXXX that they failed to submit to XXXX on my behalf in XX/XX/XXXX. During the conversation when I attempted to relate this information to XXXX he became very rude demanding that I " just pay up '' etc. 
Since I was n't able to communicate my situation with him, At present, I have not received a written request. 

I politely asked that the agency make no further phone calls to me. XXXX rather arrogantly replied " We 'll keep calling until you pay this balance. 

I have contacted XXXX and have confirmed as I had questioned XXXX XXXX XXXX in XX/XX/XXXX, that they had received only XXXX claims during the calendar year, XX/XX/XXXX totaling less than {$300.00}. I was billed for {$280.00} which I have attempted to pay, and discovered that XXXX of my payments were never recorded. 

I called the clinic business office today to get the name of the company, Synerprise Consulting. I then called the agency and requested XXXX full name, but was told there was no one there named XXXX. The person I spoke to was XXXX ( who would not provide his last name ). Her told me he had no idea who it was that I spoke, but finally admitted that the name is XXXX but refused to provide that last name as well. 

XXXX has arranged to send copies of the XXXX claims filed by the clinic in XX/XX/XXXX which are close to {$200.00} total. I visited XXXX doctors at the clinic in XX/XX/XXXX and also had regular XXXX because I am on XXXX & XXXX.
XXXX and XXXX XXXX XXXX are pursuing me for medical debts after failing to submit a claim to XXXX and failing to properly process my charity care application. 

I have repatedly written to XXXX and XXXX XXXX XXXX to notify them that these debts are not valid. 

XXXX failed to submit a claim to XXXX for these services. I had valid XXXX coverage at the time I received these services in XXXX and XXXX of XXXX and provided my XXXX information to XXXX before I received all of these of services. 

On XX/XX/XXXX I applied for charity care for the services received at XXXX. XXXX failed to process my charity care application in a timely manner and continued to pursue me for these debts. I have attached a complete copy of my charity care application including copies of the bills from XXXX. 

Please note there are three account numbers provided by the creditor and three corresponding account numbers provided by the collection agency. I have attached a copy of the most recent collection notices I have received regarding all three of these accounts. 

The first account number provided by the creditor is XXXX and the corresponding account number provided by the collection agency is XXXX. The principal amount of this bill is {$280.00}. 

The second account number provided by the creditor is XXXX and the corresponding account number provided by the collection agency is XXXX. The principal amount of this bill is {$420.00}. 

XXXX sent me a letter dated XX/XX/XXXX explaining that an error had been made in the processing of my charity care application and that I had in fact been approved for charity care to cover all of these two bills. I have attached a copy of this letter. 

However, on XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX demanding payment for these two bills plus interest and threatening me with a negative credit report. 

The third account number provided by the creditor is XXXX and the corresponding account number provided by the collection agency is XXXX. The principal amount of this bill is {$190.00}. 

This bill was also included in my charity care application but apparently it was not processed correctly. 

A negative credit report appears in my XXXX credit record regarding this third bill. The amount of the outstanding debt reported to XXXX is {$230.00}, including interest. Negative credit reports may have also been made to XXXX and XXXX. I have attached a copy of the page from my XXXX   credit record with the negative credit report from XXXX XXXX XXXX.
Incorrect reporting of my status by Experian The status under federal law needs to be reported as Mortgage included in Bankruptcy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Mortgage Loan # XXXX United States Bankruptcy Court for XXXX XXXX XXXX XXXX Florida Bankruptcy Chapter XXXX Case Number XXXX Filed XXXX Debtor : XXXX XXXX XXXX SS # XXXX Experian needs to correct my account status as Mortgage included in Bankruptcy.
I submitted a dispute with XXXX XXXX and Experian who removed the tax lien since it was not mine. I filed dispute w Experian but they did not remove the item. They did not even do a thorough investigation since I literally received a response in 24 hours that the item was confirmed. I resubmitted the dispute and received an email within a few minutes stating the tax lien was confirmed as mine. I added a statement to my credit report stating the tax lien was not mine. I can not buy a house until this tax lien is off my credit. I wrote a letter to the tax lien and never received a response. I need this item thoroughly investigated so it can be removed from my Experian credit report.
I disputed the following collection accounts below directly with Equifax twice and with XXXX XXXX XXXX. All three times, my disputes were ignored and a proper investigation was not complete. This leads me to believe the accounts are not mine. I even submitted this same dispute to XXXX and the accounts were deleted no problem and attached a copy of them being deleted from XXXX as proof. I also included my dispute letters to Equifax and to XXXX. 

XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX XXXX Account Number : XXXX ....
I cancelled my service with XXXX XXXX for several reasons, one of which I paid every month for a " very fast internet speed '' only to find out I was n't actually receiving anywhere close to the speed I was paying for. I continually called to complain not only was the service slow, many days I had no internet service at all. Upon cancellation I was instructed to take all equipment to XXXX and ship back to XXXX. I did this within 4 days of cancellation. I also called XXXX after I obtained a tracking number from XXXX and gave it to the representative. Three months later I received a collection notice and several very rude calls. Once again I gave them the tracking number and was told it was taken care of. ( At which time I made the mistake of discarding the receipt from XXXX because I believed it was taken care of ) In XXXX, 6 months later I received another collection letter indicating the debt had been reported to the XXXX credit repositories as a collection account. I called the number on the collection agency statement. Not only was it an automated system, there was no way to speak to an actual person. I called repeatedly and tried every single " press # '' if ... scenario. Every single time the system hung up if I did not select " make a payment ''. At no time was it possible to speak to a person. Now I have a collection account for {$200.00} on my credit with no way to contact the collection agency. I am in the mortgage industry and review credit reports daily. XXXX has a very bad business practice of reporting collection accounts and now I understand when borrowers truly have no idea they had such collections.
Experian was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX,
The current hack of Equifax has exposed mine, and many, many other citizens to potential identity theft. Due to Equifax, the complacency of this and other credit agencies has been reveled and has allowed our personal information to be available online, or other means, to any threat FOREVER.
In XXXX, my XXXX Credit card was stolen or lost. I attempted to report this. I continued to receive bills for the full amount. I was willing to pay the portion I was responsible for, but not the amount charged after my card turned up missing. 

After several attempts to resolve the issue with no resolution, I stopped making payments on the account. 

In XXXX, I started receiving harassing phone calls regarding this debt. I explained the situation and told the company I am contesting the amount of the debt. I would pay the amount I owed, but not the amount charged after the card was stolen or lost. 
The company ( Portfolio Recovery ) continued to harass me throughout XXXX. I sent a letter contesting the amount owed. 
They continued to harass me by attempting to call using at least a dozen different numbers. I eventually ignored the calls and refused to to speak with them because they refused to acknowledge my contested amount due. 

Now, in XXXX ( XXXX XXXX ), I received a letter from MY XXXX XXXX XXXX SON 'S bank stating that HIS funds were put on hold. My son has a XXXX. He is XXXX. He does XXXX XXXX. However, he did manage to graduate high school in XXXX of XXXX. There had been only XXXX deposit in this account, his graduation gift money. 
I am ONLY on his account for information purposes since it 's XXXX ( in person or on the phone ) with people he does not know, and since he does XXXX XXXX, I am ONLY supposed to be on this account to speak on his behalf when he is unable. 

I called the debt company this morning asking how we can resolve this issue and they were very rude and condescending. I was told that they would NOT take the hold off of my son 's account. I am in the process of providing proof that the deposit in his account is 100 % his money, none of it being mine. They still could n't guarantee that they would remove the hold or even " take '' all his money from the account. 

I then offered to send them the amount of the hold : {$590.00} ( even though this is a little more than what MY original charges were ) just to have them leave my son 's account alone. Again, they refused to remove the hold and will " take '' HIS money. 

I have two other bank accounts in MY name alone, and yet they go after my XXXX son 's account to remove ALL his money. This is simply not fair. I tried to resolve this with the company and they would not offer me any tangible solution for this issue. 
I 've done my research on this company and I found they have a pretty bad reputation as to their means of " attempting to collect a debt ''. 

Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX
You contacted them and they said the date of the loan was XX/XX/XXXX. They simply now changed the date to XX/XX/XXXX. I did not take out either loan. I did not have a physical address or checking account. I was unable to do so.
I have tried the CreditKarma website to check my credit scores. They do not use the same scoring formula used as the 3 credit reporting agencies. My credit score is not accurate with them and gives people false hopes to apply for credit to learn that their score is way lower than what they show. They always list recommendations for your score to apply for certain credit products.