WillisBack/dataset-financial-user-claim huggingface dataset:
Ordered the PenFed Credit Union XXXX XXXX card about a month ago to make a few purchases ahead of overseas travel. Nearly every purchase attempted was declined from XXXX, to XXXX, to various airlines. Had 5+ hours of phone calls with customer support and bounced between various departments. Supervisors blamed me for entering card number incorrectly and then tried to blame vendors for not transmitting the number correctly. Clearly a problem on PenFed 's intake side. Still no resolution.
The complete an utter failure of this banking institution has caused me to almost lose the house I was trying to buy. The lack of communication between the customer ( me ) and the lender ( BB & T ) was disgraceful, unprofessional, and tiresome. The inner workings of the employees of this institution are not at a professional level and no one was eager to help or answer questions related to the loan itself. Here is 2 different timelines from myself and my realtor about what happened : XXXX XXXX - purchase contract sent to XXXX XXXX @ BB & T XXXX XXXX - first response from BB & T and confirmation of receipt of contract XXXX XXXX - emailed BB & T for an update, no response XXXX XXXX - emailed BB & T for an update, no response XXXX XXXX - emailed BB & T for update, received response with notification we will not be closing on time XXXX XXXX - the contract closing date. As of today we are still unaware of the loan status and I have not been notified from anyone at BB & T with an updated closing date. 





XXXX/XXXX/XXXX -- -XXXX received prequal application after filling out application XXXX/XXXX/XXXX -- -I called XXXX several times between XXXX and XXXX to find out about the application. After several calls I never heard from XXXX so I reached out to my friend to find out an update from him ( This friend recommended XXXX to me, very highly ). Then I got an email from my friend with the prequal approval attached and not from XXXX. WHICH SHOULD HAVE BEEN A HUGE RED FLAG. 

XXXX/XXXX/XXXX -- -Received loan disclosure package and reviewed and signed all documents and paid all fees that day Between XXXX there has been a giant lack of communication between XXXX and myself and my realtor XXXX. I would say countless phone calls from myself and XXXX along with many emails from XXXX and myself as well went unanswered for days if not weeks. Until finally it got into XXXX XXXX hands on XXXX/XXXX/XXXX. She was I guess more helpful than XXXX and I continued giving more paperwork regarding my application that the underwriter needed in my case. 

At this point in time we still do not have a definite date of closing from XXXX or XXXX and I am asking that this loan be pushed through or an explanation of why the ball was dropped on this whole case. 

I would also like for BB & T to not charge me the fees associated with the origination of this loan BC I do n't think you have earned it, or a 1 % drop in my loan whichever is greater.
I have had a first mortgage and second mortgage with Wells Fargo for quite a few years. I have never missed a payment. Recently, I applied for a new first mortgage that combined XXXX my first and second present mortgages. I was turned down due to " Excessive obligations in relation to income, Income insufficient for amount of credit requested, Value or type of collateral not sufficient. '' Then I added an additional XXXX/month by increasing my monthly payment from XXXX. I did not need this extra money, or even the {$1000.00} original payment so I put about {$3000.00} in my money market account each month. I was again turned down for the same reason. I spent over {$10000.00} in application fees. 

Given that my income exceeds my needs by almost $ XXXX/month and the payment on a new loan would be less that my present XXXX loans, and given that my credit report is in the XXXX range, there is something very fishy here. It appears that Wells Fargo wants to keep the original loans as is because they get more interest income. 

My Income vs Expenses/Month Income/Month After Taxes Social Security {$1100.00} XXXXS XXXX ( XXXX ) {$2300.00} XXXX one time/year : XXXX $ XXXX ) {$370.00} XXXX ( to be increased ) {$2800.00} XXXX Primary {$2400.00} XXXX other {$490.00} Husband 's Rental Income ( handed to me each month* ) {$2400.00} XXXX XXXX ( variable from {$100.00} - {$2000.00} ) {$300.00} *Husband 's renter gives him XXXX checks each year and he signs them all to me at one time. 
TOTAL {$12000.00} I also have a Money Market account where I put my access funds. 

Expenses/Month XXXX ( XXXX ) {$2600.00} XXXX Rental expenses {$3800.00} XXXX water ( XXXX ), XXXX XXXX XXXX ), XXXX & XXXX XXXX XXXX ), XXXX XXXX XXXX ) {$370.00} XXXX XXXX XXXX XXXX {$500.00} Miscellaneous estimate {$2000.00} TOTAL : {$9400.00} The nearly {$3000.00} left over is put into my Money Market account. 
I always pay my credit cards in full every month. I do not owe anything else. 

Other Information Both my husband and I have medical insurance for life, grandfathered from XXXX that has little or NO CO-PAYMENT. We also have dental insurance that has a moderate co-payment. Also, I 've had no car payments for the last 21 years XXXX XXXX XXXX XXXX XXXX. I also keep at least {$2000.00} in cash at home. 

My credit rating is at the XXXX level.
After disputing a debt from a collection agency company named XXXX XXXX over a month ago to verify a debt they claimed I owe them. It has since been 30 days with no response from XXXX XXXX. I have directly disputed the credit bureaus Transunion, and XXXX about XXXX XXXX claims with no known outcomes. I have attempted to resolve matter with the credit reporting bureaus Transunion, and XXXX with no knowm resolve as well. I have sent certified mail to XXXX XXXX   on XX/XX/2018 with no response. According to FCRA collection companies have 30 days to respond to verify a dispute. I have not received any responses from either XXXX XXXX nor the credit bureaus Transunion, and XXXX.
Portfolio Recovery has been calling my home for over 2 years, I have no business with them I already told them the person they are looking for does not live here but they call every day. I have no clue what type of loan it is because I am not the person they are looking for. I selected the options above because the web site wont aloe me to proceed if I do n't select an option but I am not the person they look for.
I have XXXX capital one hard hit inquiries on my XXXX Credit Report. I do n't allecall recall applying for credit from Capital One.
I 'm being harassed by an unknown department of education collector company, I am behind on my student loan for financial reasons in the past and am wanting to pay it back somehow, I 'm getting half of my check taking for back child support. Anyway, the number calling me is XXXX. I 've asked them to not call me in between XXXX - XXXX pacific due to the fact I am working in a law firm office setting and they have deliberately failed to do so and keep interrupting my work causing me to loose valuable time and inteferring with our law firm. I 've asked several times which is apparently recorded on thier system for proof of company by sending me info via email or post office. They have refused and now threatening to take money out of my check after I already agreed to pay a monthly payment as long as they prove who they are. The repeatedly ask for my credit card information and refuse to provide proof of what company they are or represent. They claim to be " Core Recoveries, LLC XXXX XXXX, KY phone number XXXX/Fax XXXX They emailed me once but the email was from some form of docusign with an attachement of this company. I think these guys are fraudulent and are stealing credit card information because of the fact the number that calls me is XXXX and the email they sent me is from " XXXXXXXXXXXX ''
A third party Debt collector namely XXXX XXXX brought and obtained an debt by XXXX XXXX  the party who bought the current debt stated on my credit report that I open or bought services or items on XX/XX/XXXX when in actuality I never brought any services, phones or other items from them at ANYTIME! The account may have been a part of on older Bankruptcy filed here within the state of Kentucky.According to this Agency that a debt of {$560.00} dollars was vested by me which in fact I dont have any services or phones through this Wireless vendor. And in fact I never had. Also several Credit reporting Agencies stated that I lived at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA. XXXX, which in fact I have never resided at this location because I've lived here in this state for the majority of my life. And accordingly they also reported that several student loans that were dismissed, paid off, charged off, past the " legal '' mandatory statue of limitations has ran out on several if not all of these loans. XXXX  who is the provider of my various loans sent me a letter dated XX/XX/XXXX a post-discharge monitoring period was in effect for a total of ( 3 ) Three years from the discharge date. I fully met these requirements due to being XXXX and unable to pay off any of these loans.
American Express Bluebird and Serve customers have not received their direct deposits since XX/XX/2018. I was supposed to receive mine on XX/XX/18. I have called every day and multiple times daily with no reasons why or resolution times. Now, when I call it is a busy signal and have had zero communication. I was first told it was a system upgrade and then I was told it was a system outage, and then I was just told they are aware of the issue. I can't have my payroll company redirect my paycheck as American Express has already cleared it as of XX/XX/18. Today is the 5th day that I have gone without my paycheck being deposited.
On XX/XX/XXXX, I had XXXX with anesthesia services being provided by XXXX XXXX XXXX, XXXX ( XXXX ). After my insurance paid their portion of the charges, I was billed by the anesthesiology group on XX/XX/XXXX for the balance due of {$49.00}. This amount was paid on XX/XX/XXXX by a bill pay transaction ( check # XXXX ) which cleared my checking account on XX/XX/XXXX. 
In early XXXX of XXXX, I received a notice dated XX/XX/XXXX from XXXX, XXXX, a collection agency in XXXX, TN, which advised that I could " ... dispute the validity of this debt ... within 30 days from receiving this notice ... '' On XX/XX/XXXX, I provided a written dispute along with a copy of the check with which payment was made. Assuming the matter was resolved, I took no further action. 
In late XXXX of XXXX, my wife visited XXXX XXXX XXXX in XXXX, TX to start the application process for a mortgage loan, but she was told that, due to a medical collection judgement against me for {$49.00}, our mortgage interest rate would be one-quarter of one percent ( 0.25 % ) higher than it would have been otherwise. While this does not seem to be very much, over the course of 30 years on a {$200000.00} mortgage, the additional cost to us would be in the neighborhood of {$15000.00}. 
After receiving this news, I disputed the non-payment through the credit reporting agencies, but XXXX, XXXX simply confirmed the judgment against me was valid and declined to correct my records. Hopefully, you will be able to assist me in getting the false reporting corrected and get my credit rating cleared up.
My credit report it's showing a Company called Credit Express LLC, opened XX/XX/XXXX and closed XX/XX/XXXX. Balance is {$0.00}. Highest balance : {$2200.00}. 
That Company never have appeared in credit before. I never have applied for a vehicle loan, this is affecting my credit score, I don't know why this is in my credit report. I already called to that company immediately and they told me you have placed that account on my report. 
I believe have being a mistake place that negative issue in my credit report and also this is an issue from XX/XX/XXXX. 
Please, let me know if you can help me. 
Thanks.
Specialized Loan Servicing ( SLS ) incorrectly reported an account as delinquent for the XX/XX/XXXX payment. I contacted SLS and asked for the credit reporting error to be fixed. Twice it has been fixed only to reappear as a delinquent payment. I have a letter from SLS acknowledging the error and promising to correct the reporting. The XX/XX/XXXX payment once again appears as an error. Is there recourse against SLS for repeated credit reporting errors? Please help me to get this fixed once and for all.
Today I checked my credit report and discovered that this company has reported that I owe them a debt. I never received a notice from this company that I owed them a debt. My rights under the FDCPA section 809 were viloated
On or around XX/XX/2015 XXXX XXXX reported a paid off account that was paid off. The account was with XXXX  and the payment was applied to another XXXX  account via the customer service agent for XXXX  error. Once the account was sent to collections I informed XXXX aka XXXX  of the error and was informed after an investigation that the account would be removed and that it should have never been reported. The account does show a XXXX  balance but is reporting as if I had anything to do with the error. The account needs to be removed ASAP. It is not valid account nor was it past due. I did not now nor did I ever make a payment to XXXX XXXX XXXX. The collect company has not been helpful in my efforts to fix error nor did we have a contract.
I participated 360 Capital One {$200.00} Money Market Account Bonus promotion. I opened a 360 money market account with the promo code XXXX and deposited {$10000.00} into my account on XX/XX/XXXX. The terms of the promotion was to deposit XXXX by XX/XX/XXXX. I have not received the {$200.00} bonus as promised.
I had a 60 month term loan, accelerated payments to 48 months in order to payoff loan. Now lender refuses to provide accurate payoff amount based upon payments and date ( s ) received. I wish to clear off the loan, receiver car title and close account
They have called me 38 times since XXXX XXXX. Call from the same number but give me a different number to call back. First they said their name was XXXX XXXX. On Friday they called me from the same number and said their name as American Credit Adjusters and to call on XXXX. They have sent me nothing in writing. I consider this harassment!!!
Portfolio recovery you keep sending letters stating no response you can not finish investigation But you state to the CRA 's that you validated the alleged account strange omission to guilt right. making false statements on credit reports, { fraud } in fact it's stated on your letter head. you also refuse any legal documents to come forward to support your claim the reason this is being report to the CFPB is for evidence that there has been response to you every time by return fax .there 's nothing for you but dispute
Hello, I received on my credit report an unpaid notice for {$26.00} from the cable company XXXX XXXX XXXX XXXX XXXX that hurt my credit score by XXXX points and impacted my process with the Lender in obtaining a mortgage over such a small amount. The unpaid notice was then sent to a debt collection agency, CBE Group ( www.cbegroup.com ). I never received any urgent phone calls to resolve this issue. 

On XXXX/XXXX/2016, I contacted XXXX XXXX and paid off the unpaid bill notice. It should be noted that I paid off the amount, but XXXX XXXX was unable to inform me what the charge was for. I had closed a cable account and moved. All they did, supposedly was send a bill notice in the mail to my old address, which I never received. 

This bill was then sent to CBE Group ( debt collections agency ) for XXXX XXXX XXXX. On XXXX/XXXX/2016, I spoke with CBE Group to confirm the issue has been resolved and that they 're in the process of withdrawing the bill from my credit history. I informed CBE Group that they never called me, but was informed that CBE Group does make phone calls to inform customers of the unpaid bill, but DOES NOT LEAVE MESSAGES. If an issue like this can impact my credit history by 100+ points, I think it is very important that debt collection agencies leave a proper voicemail and provide every opportunity to have these issues be resolved before it is impacting a consumer 's credit history. 

thank you
I signed up for a citigold checking account with citibank in XXXX of 2016 under the promotional code XXXX. After signing up for the account I received and printed out the terms and conditions for the promotional offer. The promotional offer entitled me to XXXX thank you points after a set of terms were meant. In XXXX I completed the terms of the offer and asked via a chat session with a Citibank representative when I should receive the XXXX thank you points. The citi Representative informed me that I should receive the XXXX points within 90 days. After 90 days had passed I still had not received the points. I contacted citibank again via chat and again was informed that I should have received the points and that my request was going to be elevated to an upper level. After 3 days, on XXXX XXXX 2016, I received an email saying I was not eligible for the promotion. I called Citibank back on XXXX XXXX to request clarification and was told again that it needed to be elevated to an upper level. On XXXX XXXX I still had not heard back so I called Citibank again. I was told I was not eligible for the promotion and there is nothing they can do about it. 

To summarize I was directly told by XXXX different Citibank representatives that I was eligible for the promotion but they are now refusing to honor it. I have documentation in the form of chat logs of these XXXX occurrences. Citibank did a bait and switch in order to get me to sign up for the account. I have been charged XXXX dollars so far in fees for this account which they are also refusing to refund.
I have been Disputing XXXX XXXX credit card both for me and my husband as we both had our own accounts, during XXXX XXXX, our city was wiped out XXXX. called demanded payment said we were late, I have proof of the payments including the late fee 's they charged each of us, i have sent them to the cb, and all i get is investigating, then it says there valid, XXXX sold it to a collection agency i demanded to see proof of what i owe they sent me a copy of mine dated due XXXX/XXXX/11 new balance {$56.00} Balance due XXXX i paid on XX/XX/XXXX XXXX on XXXX and {$15.00} on mine then again they called me barley have power to phone as we had no electric for months said i owed more i was furious for the way we were spoken to and treated so i paid it not having a bill on XX/XX/XXXX {$290.00} on one and {$280.00} on another and demanded they close our cards i will never ever do business with them again, next thing we know there on our credit reports as owing XXXX plus and our credit limits were only XXXX each account, how can i owe something we paid many years ago all over again, and i sent all this evidence to all cbs demanding no more investigations as they are lying, they sent me proof this is what they claim i owe i have proof it was paid, it should be a end to this story and total delete, as the CBs have deleted it off a few times and it comes back on again, from XXXX and the collection agency they sold this too how is this fair to us, what are our rights, I closed both cards on XXXX/XXXX/2011 clearly remember as i said we were all in a fire house the entire community trying to share food and stay warm!!! im sending a sample of dispute but it was sent to all XXXX many times
I refinanced my loan from Navient XX/XX/XXXX. They provided me with all of the numbers which needed to be inputted to ensure that my loans were paid in full by the company who was doing the refinancing. The paperwork went through that same day, and yet I still owed a balance ( roughly equal to a 2-3 days worth of interest ). I have always figured this was due to their incompetence, but was stonewalled by their customer service team. My final supplementary payments went through on XX/XX/XXXX for {$210.00} and {$160.00}.
Last year around XXXX we received notice ( a postcard ) that we were included in this settlement, did not have to fill anything out. We then received a confirmation of this in XXXX that it would be completely settled in XXXX - never heard of it again. 
We would like to know the status of this please. 
Thank you.
I found a {$35.00} collection record in my credit report from XXXX back in XXXX 2014. I never received any notices or phone call from them. After a conversation with them, they said the only way to get it out of my credit report is to pay it off. I did pay it off as requested and just found out today that they still have it in my record. I attached a letter from them for your review.
I have started receiving excessive collection calls from Portfolio Recovery Services. They used to call and state that they were calling on a recorded line and ask for me. When I identified myself they stated who they were calling from. Now the last several times that they call they ask for me and then state my address and ask if that is correct without identifying themselves. When I ask who is calling they state that it's a personal issue and will not identify themselves. I spoke with a supervisor approx 2 weeks ago after the representative that called became rude when I told them that I had no disposable earnings and that I have told them that several times. The Supervisor that I spoke with ; I have XXXX ( now they tell me there is no XXXX there ) went so far as to harass me about how much money I make, why I can't make a payment or why I haven't been able to make a payment. Since then I have received calls more than once a week. I have told them on a number of occasions that they are now harassing me and to please stop. The last call received was XXXX XXXX  today. Unfortunately I do not have any names as they will not disclose their names. This is putting undo stress on me. I also have a medical condition in which I am supposed to avoid stressful situations. I am working diligently on resolving my past due debt and these type of harassing phone calls doesn't help.
The bank sent me XXXX letters and XXXX emails stating that i should submitt my country of citizenship and that its required by law for the card they gave me XX/XX/XXXX .when i called to give to them i was told i called the wrong department .they gave me a different number to call and i called the representative that handled that case started asking me questions and i stoped answering them and asked her if i was reaplying for this account And she told me no .she assured me it was not reaplying its a requirement to keep update what they dont have. She promissed its not reapplying for that account .i went ahead and answered the questions she was asking and when i was done she told me its updated but not open so i keep on paying the amount they send on the mail i said ok and the call ended .but that evening i received an email stating that i got a hard inqiry in my credit account from XXXX XXXX XXXX .i called the bank and complained they told me their is nothing they can do and i requested a supervisor .they gave me a supervisor whom i told what happend and he told me that inqury was legitimate .i explained that i called the bank to give my country of citizenship i wasnt applying because i have been having the card since XX/XX/XXXX .he told me at that point thats final .i told him to listen to the conversation that we had with the representative he said he will listen at it and update me .after fiur days he called and told me he had me ask if that was applying another account but still he told me its legitimate .i have attached the card from XXXX XXXX XXXX
Payments were issued to XXXX XXXX XXXX and they refused to remove the derogatory information as agreed. They've contested a request for removal from all three credit reporting agencies. Attached please find information regarding this claim.
On X/XX/2018 at XXXX XXXX, a representative from this number : XXXX called, as they have done prior, earlier than allowed. I spoke with the representative briefly about this. not being acceptable to do, when the call dropped.