WillisBack/dataset-financial-user-claim huggingface dataset:
I intended to pay of CITI CREDIT COSTCO in full so a check, along with the statement, for the amount of XXXX was sent on XX/XX/2016 to cover the full balance. 
The check was received by CITIBANK and cashed but the bank has been unable to process it appropriately and post it on my account. 
Since XX/XX/2016, my calls, faxes, and email to the customer services have been worthless and without result. The main issue here is that my money is being held for no reason ; and at the same time late fees and interests still being charged. 
I do n't see how this issue is going to end since the customer service is not responding.
On XX/XX/XXXX i did a wire transfer from XXXX  XXXX XXXX, on XX/XX/XXXX i opened the case with coin base about the missing wire.. and called them ..Due the miss match on the name of the account they send me a mail that a refund has been processed..but still i havent recevied my money back i try to solve it by opening cases and calling them : here are the cases XXXX Coinbase Support XX/XX/XXXX XXXX Coinbase Support XX/XX/XXXX XXXX Missing Wire Refund XX/XX/XXXX XXXX Coinbase Support XX/XX/XXXX XXXX Coinbase Support XX/XX/XXXX XXXX Missing wire XX/XX/XXXX XXXX Missing wire XX/XX/XXXX On XX/XX/XXXX i called XXXX XXXX  which coin base is working with and ask about the wire refund, the bank told they can see it and they cant process until the coinbase has initialed a refund and gave me the phone number to call coinbase and i opened a case with XXXX  on XX/XX/XXXX Still no respond from coinbase
Hello, Once again XXXX XXXX has made a crucial error in handling my escrow funds, this is the second error they 've in the this year. I already had to file complaint XXXX when they misappropriated my escrow funds, and paid the taxes on my entire building ( vs just my unit XXXX even after I proactively went to them. They have the made same error again. 
I live in a new construction condo building, and up until recently the PIN was n't assigned. I know have PIN XXXX assigned to me by the XXXX XXXX XXXX XXXX XXXX IL ), with no tax payment due until XXXX XXXX. I have been paying {$440.00} a month into escrow specifically for taxes, with an estimated annual tax bill of {$5300.00}. XXXX XXXX just sent me an annual escrow account disclosure stating that the county tax is {$23000.00} and annual disbursement is {$26000.00}. They have now doubled my monthly payment telling me this money is owed. This figure is wildly inaccurate as I do n't have a tax balance due nor an established annual payment from the county yet, I can only assume they 're once again basing this payment on the common lot that the property was built on ( XXXX is for the entire Development and not just for my individual Unit )
I joined the XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. Total monthly fee was {$130.00} which I paid every month automatically. It was a month to month agreement, with an understanding that I could cancel at any time. Nothing was explained to me about canceling in writing. 
In XX/XX/XXXX I called the Club to cancel my month to month membership. The representative I spoke with said sure, and claimed membership would be stopped. 

About a month and a half ago, I noticed that the Club was still billing me. I called the club and they said again that they could cancel the membership. They did not, and refused to give me a refund. 
I called Chase to complain about this. They opened a claim, for the months from XX/XX/XXXX to XX/XX/XXXX and placed a temporary credit on my account. 
About 3 weeks later, Chase reversed the credit and denied the claim, stating the charges were valid and also that there is a 60 day lookback that they need to follow. 
Firstly, if there is a lookback period, why was I not informed of this and also why were all the months I was disputing credited back? 
Secondly, I did not authorize those charges. If the merchant isnt going to honor my request, and basically lie and steal from me, Id like to think that after 20+ years of banking tens of thousands of dollars with Chase with the same account open for those years, theyd at least honor my complaint.
The debt was paid by electronic transfer but the creditor never acknowledged receipt of the payment and turned it over to a collection agency who has called my cell phone repeatedly even when told to stop.
Opened a card with XXXX in XXXX XXXX. Only one late payment due to a bank number error that caused the payment to get rejected. However, paid the late fee and made all payments on time. In XXXX XXXX they closed my acct with no warning. According to the card issuer, synchrony bank closed many accts even with good payment history if they pulled your credit and they didnt like what they saw. I dont think its right for them to close your acct when its in good standing and you have not asked for the bank to do so.
I have a XXXX credit card issued by TD Bank with a credit line of XXXX dollars and a current balance of about XXXX. I never have a late payment on this card or in any account. My credit score is XXXX mostly because is not not old, only 7 years. I just received a notification for TD Bank informing that because they are ending the credit card relationship with XXXX, my account will be close. How much that will be impacting my credit score specially now that I 'm about to apply for a mortgage. I have been fulfilled my obligation but apparently that means nothing for them.
This is the XXXX addendum to my XXXX complaint. I returned a call to Wells Fargo, thinking that it was about this complaint. I could n't have been more incorrect. I spoke with XXXX XXXX and was informed that even though I signed all the mortgage documents on XXXX XXXX, now, a month later I still owe them {$640.00} because the title company screwed up the numbers. I was told that I need to call the title company. You can not imagine my level of frustration. To be honest, I am so sick of these banks not being held accountable. 
XXXX they try to take {$2200.00} out of my account that I did n't owe them. Then, they tell me that they had no record of my call to stop the auto payment, then they tell me that I have to call my bank to stop the payment. They then proceed to try and take {$2200.00} out of my account XXXX more times. In the mean time I 've been charged XXXX in overdraft fees and recurring overdraft fees. Oh and by the way, my bank wanted to charge another XXXX for each of the stop payments, which would have been another {$69.00}. Now, this thing about the title company screwing up!! Seems to me that a violation of the Electronic Funds Transfer Act and parts of the Real Estate Settlement Procedures Act occurred here. They keep telling me that I have to fix their mistakes and pay for their mistakes.
I noticed a debt on my credit report from this collection company, Transfinancial in XXXX XXXX, for {$150.00}. I contacted them to pay and was repeatedly yelled at and hung up on by a female employee. I then contacted the hospital directly and found out there were XXXX debts, ( XXXX for {$150.00} each and XXXX for {$210.00} XXXX, totaling XXXX. I paid {$300.00} on XXXX XXXX and {$210.00} on XXXX XXXX, 2015 directly to the hospital since multiple attempts to pay the collection agency failed. 

When I paid {$210.00}, I confirmed with the hospital that Transfinancial will be notified of the payment in full that day in accordance with their policy. 

Yesterday, ten days after paying all debts, Transfinancial posted on my credit that the account totaling {$210.00} was seriously past due and in collections. This debt has never been posted on my credit when it was actually due. It is incorrectly and illegally posted since the debt was paid in full and the posting was after the debt was reconciled. This should have never posted in the first place.
i have explained to creditor XXXX XXXX XXXX XXXX that i lost my temp job and do not have another job yet. the response from the customer service representative was " you'll be getting unemployment insurance. '' I did not ask this debt collection agency to be my financial advisor. they have been incredibly aggressive in calling every other day at one point. they have attached a letter dated XX/XX/XXXX from capital one showing a lump sum owed of {$19000.00} but there are no other attached documents showing the breakdown of these prior credit card services. they have insisted i pay more minimum payments than i can afford to pay. they have called XX/XX/XXXX at XXXXXXXX XXXX ; XXXX at XXXXXXXX XXXX ; XX/XX/XXXX at XXXX XXXX. they have called on sundays as well and i have asked them not to call me on sun. despite this request they have continued to call. i have cobra health insurance expenses as well as student loans. they have called my mother in another state from whom i am estranged. they are in violation of any reputable debt collection practices. they are calling on my cell phone, my only phone, and so i am paying the cellular company to have a debt collector call me. this is badgering consumers.
XXXX XXXX, 2017 {$600.00}. I applied for a Payday Loan for {$600.00}. I did n't realize the interest rate until afterwards and saw how much I had to pay back. I called to get some clarification and was told my payments go to interest first then principal so I would be paying back a little of {$2000.00} just for the {$600.00} I borrowed. I asked how to avoid this and was told I could n't. I had an emergency when I borrowed the money but I live off of XXXX payments and ca n't afford these high interest payments. Nothing I pay back seems to go to the principal amount.
Midland Funding was listed XXXX on my credit report, XXXX in collections and once in public records. I think I was able to remove them from public records but unsuccessful to remove them in collections. 
Also, kindly note that this account started as XXXX XXXX card and sold multiple times. It has been paid in full. 
Please, be so kind as to help me to remove this from all XXXX credit bureaus. In both collections and public records. Thank you in advance for your help.
I called JPMorgan Chase Bank on XX/XX/17 to ask them why they have accessed by credit file on X/XX/2017 and why they have put a Hard Inquiry on my XXXX credit file without my authorization, they would n't help me.
Equifax, who in 2017 exposed the sensitive personal financial information of 143 million Americans, is back to their incompetent and damaging behavior. They are unable to manage credit freezes, which for me would be a temporary lift on my credit freeze, because for the last day their systems are going through an " update ''. Clearly they can not bring themselves to say " outage ''. As usual, they insult the intelligence of the American consumer. As a result of their never-ending " update '', I am unable to lift my credit for a creditor ( XXXX XXXX XXXX ) to reinstall a communications circuit that I urgently need restored. They have sent me to various departments, none of whom are able to help, because they have no access to credit reports either. So they have no existing process for handling outages on their consumer-facing side of the business other than to bounce people around. My contact at XXXX XXXX XXXX reports he is unable to get any assistance from his contacts. So basically we have Equifax, a repeat offender for egregious and incompetent management of security and resiliency, who have impacted hundreds of millions of consumers before, who has now ground the credit economy to a halt for today. They created a situation whereby in order to protect my financial security I am required to put a freeze on my credit, and pay them to remove it each time I need it lifted. And now they are unable to do even that. So I'm being denied access to credit because they can't run their business reliably. It's completely intolerable, and I need my government to regulate this company and force them into compliance.
I am a customer with Ditech a loan lender. We went bankrupt in XXXX XXXX and had an agreement with XXXX at the time ; the name was XXXX and not Ditech loans. We have been paying off this load since XX/XX/XXXX. We had to go bankrupt on creditors and we did not go bankrupt on the XXXX XXXX that was our pre manufactured home. We found out just from prying this information from Ditech we owe just under XXXX on the loan paying off the principal right now and if we re-finanace it would be another 25 year loan. So we could have a bill each month like we have been requesting from Ditech Loans for 2 years now. So we only have 8 years left on the loan to pay off this loan. The reason for getting you involved is that they have been giving us Informational papers instead of the Ditech bill which would have the principal and what is left on the loan. We tried calling them and they stated that they can only send informational payment letter each month because of the bankruptcy in XXXX XXXX. We have not missed a payement on our mortgage with this company and would like to have our billing statements back which they are not doing for us. We contacted our bankruptcy laywer that did it for us and he said there are no re-afermation letters you can give to the judge, the judges do not do this. So we have exhausted all our means of getting when we need. Please help us!!
I have a loan with XXXX XXXX XXXX I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXX   was reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
TransUnion continues to report currently late payments and a balance on an account with XXXX Bank, although XXXX sold our account to a junk debt buyer and ceased operations in XXXX. My family is being held hostage by this inaccurate reporting. The company sold the loan account and went out of business ... how on earth could they still be reporting late payments currently?
On XXXX the XXXX I contacted my auto finance company about a car payment I had just made online, so that they would be able to enable my vehicle. I spoke with a lady who looked up the payment and saw that the payment had been made and transferred me to XXXX XXXX. When he got on the phone he stated I was 41 days past due and owed XXXX plus dollars, yet I reassured him that I just made a payment of XXXX and would be making another payment XXXX XXXX for the remainder of the balance. He began yelling stating that the check that was written had probably bounced and that I needed to clean my car out and surrender it. I asked him could he speak in a professional tone, he said he did n't need to. He than stated he was tired of me and that he was just going to take my car. I then put my brother on the phone and authorized permission for him to speak with my brother. He then got loud with my brother and began using profanity, when he asked for a supervisor he said he would n't give us XXXX and to clean the car out. When I called back he got back on the phone and stated that he was coming to get my car. He has sent a series of emails, that are unprofessional and bullying. 
You promised a payment on the XXXX, and you failed to do so or even call ... ... ... ... ... ... .... your account will be past due over XXXX on the XXXX ... ... ... ... ... ... ... ... ... ... .... if you fail to pay ... ... ... PLEASE BE ADVISED IF THIS HAPPENS, I WILL NOT HESITATE TO REPOSSESS YOUR CAR ... ... ... ... ... I WILL ASK YOU XXXX XXXX TO GIVE IT TO ME THEN I WILL TAKE IT, IF YOU DONT XXXX XXXX XXXX XXXX If you want to keep this car, I suggest you call me ... ... your contract does not allow for partial payments, unless they are approved by this office ... ... ... ... ... ..You car is on a nationwide recovery list with a XXXX disposition request attached, meaning it will be seized on site ... ... ... ... ... ... ... I am willing to work with you, but my patience on accounts that are XXXX plus days past due is very limited ... ... ... ... ... ... ... ... ... you have a choice to make, I hope you make the right XXXX wd YOU ARE XXXX PAST DUE ... ... ... ... ... ... ... .. I HAVE ASKED YOU A NUMBER OF TIMES TO SURRENDER THE CAR ... ... YOU ACT LIKE YOU DO N'T UNDERSTAND ... ... ... ... ... ... .. IF YOU ARE CONFUSED ... ... .PLEASE CALL XXXX XXXX XXXX AND I WILL TRY TO HELP YOU XXXX XXXX Prizm Financial XXXX ext XXXX Prizm Financial Co. LLC is a debt collector. Any information obtained will be used for that purpose. 
This is to inform you that if I do not hear you by XXXX on Monday the XXXX of XXXX, your car will be XXXX until such time that I do ... ... ... ... ... ... ... ... consider yourself warned XXXX XXXX Prizm Financial XXXX ext XXXX Prizm Financial Co. LLC is a debt collector. Any information obtained will be used for that purpose.
I turned in my equipment with  XXXX  and paid my last statement that I was aware of and then I noticed on my credit repo rt that STELLAR RECOVERY INC  placed a collection against me in the amount of  XXXX . I was unaware of any payment due and never received notification before it being placed on my credit report
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX, XXXX   XXXX
Received information on line about the Equifax Data Breach and the consumer information from FTC Commission Consumer Information where it was outlined to go to the Equifax site to request a one-year free monitoring and other services to protect us from the breach. We filled out the request on line and tried to submit it and got a site error instead so it was not possible to sign up. We also understand that Equifax can charge a fee to put a security freeze on our account if we try that. This is preposterous since we are in this situation for something Equifax did.
I'm filing a formal complaint the creditor Atlantic Credit & Finance Incorporated for continuously sending me a wrong receipts even after there has already been a settlement agreement and a payment schedule arranged. 
My ACF Account # XXXX. On XX/XX/XXXX my XXXX XXXX ( XXXX ) Account was settled for the amount of {$3700.00} instead of {$7400.00}. The first payment was made on XX/XX/XXXX for the amount of {$5.00}, after this payment the total amount due went down to {$3700.00}. On XX/XX/XXXX a payment of {$180.00} was initiated that went the total amount due down to {$3500.00}. 
On a recorded line on XX/XX/XXXX, a settlement conversation agreement with XXXX XXXX, the total amount of {$3500.00} was agreed & settled to be paid every XXXX of the month by automatic debit on my account for {$170.00} starting XX/XX/XXXX until XX/XX/XXXX totaling to 20 payments. This settlement agreement was clearly confirm when XXXX XXXX send formal letter with payment schedule. The letter was dated XX/XX/XXXX. 
However, on XX/XX/XXXX a receipt was created and mailed to me stating that Atlantic Credit & Finance received my payment of {$170.00} and that my new balance is {$7100.00}. I immediately bring this error to the attention of Atlantic credit & finance Account representative. I called and discuss the issue to them and on a recorded line, the representative apologizes for the error and told me that my new balance after XX/XX/XXXX {$170.00} payment is {$3300.00}. But the same error occurred again on XX/XX/XXXX when my payment of {$170.00} for this month cleared, Atlantic Credit & Finance has sent me a wrong receipt again, it states that after they received my XX/XX/XXXX payment my new balance is {$6900.00}. It is clear that Atlantic Credit & finance did not correct or worst did not acknowledge the settlement agreement which is very frustrating & unprofessional. I strongly insist that Atlantic Credit & Finance have to honor the settlement & correct the monthly receipts they are sending me. I have determined that the new balance after my XX/XX/XXXX payment is {$3200.00}. I already called Atlantic Credit & Finance so that they can correct the error but it seems that their finance department did not anything about this. Atlantic & credit & Finance have to correct the correct balance as soon as possible.
I received a Notice of Wage Withholding at 15 %. I have been trying to call the company for four days. Saturday, Monday, Tuesday and Wednesday. By Tuesday the number I was initially given to call, voicemail is full. I contacted the Dept of Ed to inquire and was told at the time that ICR 's main phone system was down and that if I dial the last four digits of XXXX instead of XXXX I will be able to reach them as that number ( XXXX ) is working. I called that number both Tuesday and Wednesday. It's the same message as the XXXX number but in a different voice, again, directing calls to voicemail ... and nobody returns them! I contacted the Dept of Ed again about the new number they provided to me and was told, " We don't have any other phone number to give you so just keep leaving messages. '' I made just XXXX above the poverty level of XXXX for 2017 and this year my hours have been cut by 5 a week. I was never notified by ICR about anything going to court so that my financial situation could even be considered and they don't even have a working phone number for consumers to contact them at to find out about any appeals or steps to take to dispute their actions.
Equifax continues to report incorrect infromation on my credit report. XXXX XXXX XXXX accounts XXXX and XXXX, issued a XXXX. Equifax needs to update their records showing that there is a XXXX balance as they are showing an open balance. Also, they are reporting incorrect data on XXXX acct # XXXX, as this account was a faudulate and should be removed from my credit file.
My ontime payment went through an inactive checking account on XX/XX/2017 for my XXXX XXXX that I lease from XXXX XXXX XXXX  due to automatic XXXX XXXX app on my XXXX, after I received an email from XXXX XXXX   that the payment won't go through due to inactive account status I immediately called XXXX XXXX XXXX on XX/XX/XXXX and I explain the situation, I've been told ( and they were recording this ) that there is NO need to do anything since on their end it was shown as paid! Nevertheless I offered to make a second payment on the same day using my new bank account from XXXX XXXX I've been told again from the representative that since I made the second payment I have nothing to worry about and that the second payment will cover the first payment in case that it will be returned as unpaid, I also been told that they won't reported as late payment and everything is ok. Two months after they reported my XX/XX/2017 payment as late payment which damaged severely my credit score, I blame XXXX XXXX XXXX  for incompetence for lack of knowledge and for misinformed a loyal customer that is 100 % on time with payments with all creditors and three times XXXX customer with no late payments at all. 
After sending letter to the company explaining the situation for their error I received a letter telling me that my correspondence does not provide sufficient justification to change the way that they reporting my payment history to the consumer reporting agencies and as a result of my dispute they will provide an update to credit reporting agencies reflecting the results of their investigation. I tried numerous times adfter that to speak to somebody in the credit reporting department at XXXX XXXX XXXX  and they denied it all times!
I am unfairly being charged for 3 transactions from a merchant under the name of XXXX XXXX for {$130.00} total. The bank was only able to dispute 3 of those transactions for {$91.00}. They bank recently stated that they concluded those transactions to be valid and cant do anything else. I have never had any business with, nor given my information to a company called XXXX XXXX. The bank provided a number to call the merchant that is not valid, and are saying they cant do anything further. This is not right, I did not have any business with this merchant and the fact that i am still being charged is disgusting!!