WillisBack/dataset-financial-user-claim huggingface dataset:
For the past year, PNC of XXXX, PA has messed up my accounts. Today I was kicked out of the bank after trying to get this issue resolved again. Each month, my account is screwed up and getting past due letters. Now they tell me that XXXX account is blocked, but they do n't know why and am unable to make a payment. I started with XXXX bank for my mortage, followed it to XXXX and then to PNC. I have been a customer for over 25 years. Paid off my mortgage, and a line of credit for {$17000.00} and have been treated shabbily. Today they kicked me out of the bank and threatened to call the police just because I got upset that they would not take my change and credit it to my account. They said that if I wanted to use the change that I would have to return home, wrap it and then bring it back. Would NOT accept unwrapped coins. I am a senior citizen, XXXX and it is very hard for me to get around and to be told to leave, wrap the coins and then return before they would accept my payment. What kind of banking is that? Last month, I was assured that everything was taken care of and there would not be any more problems.
I borrowed roughly {$20000.00} from the State of Alaska. When I graduated I had a {$35000.00} that I had problems paying and it went into default. Now they say I cant get it out of default and my bill is close to {$70000.00}. I also tried to see if I could pay off each loan separately. I have 5 loans and they said no. All my loans will continue to be in default until all of it is paid. I need someone to help me.
I was injured in XX/XX/2016 an was unable to make some payments on this bill in person. I regular pay in person and have paid more then my bill due at times. With the help of my son to personally go and pay in person, he was always turned away due to he was not the person of the account. It does n't make since to me when someone is paying a bill. For some reason Chase are stating it is a law. I never heard of this before. Also when attempting to pay online all of a sudden the account was removed. Due to my injuries I was unable to talk directly to Chase ( XXXX ) but kept corresponding in e-mail with being only told that someone will get back to me. No responses, and would not allow people that tried to handle and pay the bill for me to process business. Now I 'm being told my car is out for reposition and I am highly concerned about this. Their practices is not right. And refusal of pay is not right. I faithfully with the help of my son when on leave attempted to pay this bill over and over. How could this be of good practice for a consumer. And paying someone 's bill is not an result in identity theft. There are many wrong practices within the banks itself. and it 's not the first time I have had someone to pay this bill for me. Previously it never been a problem. If they had not rejected the ill being paid on time. My account would be current as it had in the past but unfortunately I was injured badly and had someone to pay my bills. When did it become a law that you ca n't pay a bill. No one was making a withdrawal nor viewing personal info. Now I 'm being to surrender my car and that it is out for repossession or to pay XXXX in full. This just is n't right.
Twice I have tried to dispute a recurring annual charge submitted by XXXX, an internet data backup service ( of no value to us, because we have adequate backup through XXXX ). I deny - and my wife denies - that we have entered into any agreement with the merchant company, which, my wife believes, got our credit card number when my wife briefly explored the backup service on a trial basis in XXXX or XXXX. We are both lawyers and understand that some companies try to get consumers to agree to paying recurring charges by giving their service away on a free trial basis that becomes a full subscription if not cancelled in writing. We are not among those consumers. 

We did not agree to pay XXXX recurring fees. Please examine the documentation that the merchant provided to evidence our agreement. Note that the box labelled " I agree to the terms of the terms of the XXXX service '' The box is not checked. 

That XXXX sent yearly emails can not serve as a substitute for our agreement, which was never given. This is particularly the case when XXXX  emails, like those of other merchants with whom we do not have a relationship, email us. The emails are automatically routed away from our attention. 

American Express has failed in its Reg Z duties to investigate my disputes ( twice ). Perhaps the best example of this failure is that last night I took over 30 minutes reviewing the attached merchant documentation and explaining to a customer service representative ( American Express would not allow me to continue my original dispute electronically ) the inquiry background and why this documentation did not evidence an agreement. Nevertheless, within hours, American Express had denied my second dispute with no explanation other than to provide the same documentation I had already discussed at length a few hours previously with the Amex CSR. 

I reserve all our rights.
While enrolled at  XXXX   XXXX  it was my understanding that I only had subsidized and unsubsidized loan. When applying for a house last year it was brought to my attention that I had a private loan through FA-PEAKS showing on my credit report. This was news to me as I was unaware of any private loans for my schooling. I contacted FA-PEAKS and the were very unreasonable with their request as far as a repayment plan. The total loan amount was for {$9700.00} but they wanted at least {$4500.00} to even start a repayment plan. This seemed very fraudulent to me the more I spoke with the representative and the more I researched the company.
Mortgage loan closed on  XX/XX/XX  and lender noted lender 's credit on closing docs.   On  XX/XX/XX  recd  XXXX  from lender noting other income. In query to lender advised first narrative that this was a homeowner grant - disputed ; then after appro x 2 pl us weeks was advised this was a origination assistance and  XXXX  was amended and reduced the amount from {$1500.00} to {$950.00} still disputed as none of these narratives appear on the closing docs and third narrative was this was as GIFT? With filing my taxes and adding the {$950.00} to my adjusted income I 'm at a loss of refund from Federal/State of approx {$300.00}.   Have requested numerous times a letter from lender explaining the situation and yet to receive. This has been disputed continually almost daily with the lender and have all history of phone calls and lender staff from the mortgage banker who initially processed the loan application to several Escalation Managers etc. without a satisfactory explanation.   Mortgage banker aware of the credit yet never aware that it would result in other income!      XXXX   XXXX   o n loan application, underwriter 's docs and closing docs show the amount of {$1600.00}.
Chase Bank has sent me multiple notifications that I have been denied an XXXX XXXX XXXX card. I have never applied for such a card, and have no intentions of doing so. I've previously contacted Chase directly to let them know that an application for this exact card was fraudulent, and they issued information to XXXX to correct my credit report, but it has happened again. They should have taken steps by this time to prevent the error from being repeated, but yet again I have to resolve the issue rather than them preventing fraudulent credit applications in my name which seem to only ever occur for this particular card with this particular company. I'm sick of this XXXX. 

Chase reference number XXXX
I purchased a vehicle back in XXXX with XXXX XXXX which is now Wells Fargo. I went to NJMV to get a copy of the TITLE and was told by NJMV I still have a Lien on the car from XXXX which was paid off in XXXX or XXXX. I called Wells Fargo and they say they can not find any info on the car or my name, SS #. or VIN # from the car. I have recently purchased a car and I am trying to trade this XXXX XXXX XXXX in but can not get the title because XXXX never released the LIEN. Wells Fargo is stating they need something from NJMV showing that there is still on Lien on the car but they do not give any copies out on their end. I was told the bank should have all that the info on which they do not show anything. I have been dealing with this issue since Monday and I am getting the run around from Wells Fargo. I have faxed over a letter and also a copy of the registration and still can not get any answers from them. 
The car is A XXXX XXXX XXXX VIN # XXXX My contact is XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX
I 'm a co-borrower to 4 student loans for my daughter. The interest on the loans keep going up, therefore, my payments continue going up. I pay over {$800.00} each month. The balance is over {$100000.00} and it does n't appear to get any smaller. I have called them in different occasions and they state there is nothing they can do, and that the interest will keep going up. Currently the two largest loans are at over 7 % interest rate. A smaller one is at over 4 %, and I paid in full the fourth loan I had over 9 % interest rate. They told me to put my loans on automatic payments and that it would keep the interest rate low. I did that but the interest rate keeps climbing. I have been paying these loans for about 8 years and the balance is pretty much still the same. Please help
There was a fraudulent ATM withdrawal on our account on Saturday, XXXX at XXXX for {$200.00}. We filed a police report with XXXX County Policy and report the incident immediately to Simple. They closed my husband 's card and sent him a new one and assured us it would be investigated ASAP. Simple sent me the guidelines for Fraud which showed that we should not be liable for the full amount. I asked Simple immediately if there was anything we could do to help and they said no. Simple never followed up with us UNLESS I reached out to them asking them what is going on. I 've called and emailed them multiple times and all they have said is that the investigation was ongoing. Then, finally they rejected our claim after several weeks. I sent them proof of the police report filing because bottom line, this was not us. My husband 's card was skimmed at a Gas station two hours before which Simple can see that transaction. We reported this with Police. I 've asked that the file be opened up again, but again, no status updates from Simple unless I reach out. I 've asked multiple times for the investigation department from their dispute department and all it states is that since the transaction occurred within our city, it was not fraudulent. This is not true and not acceptable. It has not been a month now and we still have not been refunded any of our {$200.00}. We are working with police to try to get survellience footage, but I should not have to go through all this! Other companies, such as XXXX and XXXX refund fraudulent activity ASAP. This is just plain wrong. You can look at all of our transaction history, we do not use it to pull cash out, we got this account as a budgeting tool for groceries and gas. We need a resolution immediately.
They did not give me any information or a letter on what is the total amount but asking for to always say my social security number
On XX/XX/2018 I was directed to a XXXX XXXX XXXX Application from XXXX XXXX. It sent me to the application page and as i started filling out the information it asked me to verify my email. When i received the verification email i discovered that there was a technical issue in their system because it was recognizing me from when i applied several years ago. I immediately called their customer support line which is really only an application support line and notified them about the problem. The girl kept telling me that i was denied and that nothing has changed in their decision. I kept trying to explain that i had NOT even completed the application and could not understand their logic. She just kept repeating herself that everything on their end is fine and that they can't extend me credit. I kept asking for someone else or a supervisor because i could not understand how i could be denied for something i haven't even applied for yet. I considered this to be discriminatory and nature and just ridiculous. I decided to try to continue the application on my own but because of my old account i had to put a different phone number. So i put my secondary phone number and completed the application. I was told that it was denied because they were unable to verify my information. I sent in copies of my social security card and driver 's license and now i come to find out that i have been " permanently restricted '' because i made a typo on my social security by 1 digit. I stated that they have proof of what my social security is and that they should just be able to merge the profiles, delete one of them or just fix the issue. They stated that they won't do anything about it and that i can never get a card with them. Honestly i just feel like they were discriminatory from the beginning and their objective was to deny me for the card before i even applied.
I contact the credit collection agency, and told them I never received 1 phone call or a letter from them. I had no idea that I had an unpaid debt. They stated they mailed a letter to my old address, then to much current address. I told them that was false because I never received anything from them. They even verified my address and phone #. So they never bothered to contact me. They said it was a debt back from XX/XX/2018 which would still be false because if they had a bad debt to collect, then it would have to be something that wasn't paid for at least 30 days which would date back into XX/XX/2018. For which I shouldn't have had anything past due at that time. So the medical center is to blame for sending me to collections for something that I wasn't past due on. Debt amount was {$65.00}. I paid them with my credit card on XX/XX/18. I found out about this being reported to my credit through XXXX XXXX. If I would have been notified I would have immediately paid it before it was put on my credit report. 
Collection agency is : Overton , Russell , Doerr and Donovan , LLP XXXX. XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
I received a letter of debt collection from a company named HRRG, who claimed to collect  XXXX  amounts of medical debt on behalf of creditor  XXXX   XXXX   XXXX .  XXXX  in total of {$64.00}.     My son did go for an emergency visit on the date listed in the letter, however if my memory does n't go wrong, my son was covered by the medical insurance, and I have paid the out-of-network part with my credit card in the hospital.     I have not received any phone calls or letter from the hospital after the visit almo st six  months ago. Hence I did not know what this letter comes from, especially they did not state the specific provider and the location of the service.
I got a default judgement against from another state XXXX Ga. claiming I owe them XXXX to a court in XXXX. I do n't she got a way that mess I have never heard of XXXX XXXX in my a debt that has been since XXXX plus I have insurance. now back to XXXX XXXX they false statements like charts trying to compare me to a XXXX or XXXX XXXX old in training on job in XXXX to XXXX trying to prove their false point. I 'm so sick of these XXXX  someone needs to them they are garnish me as I 'm typing I need seriously I 'm been harass by them through mail I 'm suffering from XXXX of the XXXX my mother I do not owe these people period thank you. sincerely XXXX XXXX my XXXX XXXX XXXX my email is XXXX
Innovis is reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please have them removed from my credit report. XXXX XXXX XXXX XXXX and XXXX/XXXX.
I am a co-signer and I have tried in conjunction with the borrower to have my name removed from a loan I co-signed for XXXX XXXX. The first information we received from Navient was that if 12 consecutive on-time payments were received, we could apply to have my name removed. After that was done, we called back and were told that the following criteria needed to be met : 1 ) finish school ( he graduated in XX/XX/XXXX ) ; 2 ) 12 on-time payments ( done - in fact, has not had 1 late payment since XX/XX/XXXX - 47 on-time payments ) ; 3 ) Be a US citizen - he is a XXXX XXXX  ; 4 ) Be age of majority - he is XXXX years old ; 4 ) run a credit check - not a problem but has been told I can not be released because of a foreclosure on a house in XX/XX/XXXX. I can not understand why a 6 year old foreclosure would preclude the ability to have my name removed as a co-signer since XXXX XXXX has met all the above requirements and has worked at a steady job as an XXXX ( in his field ) for over 4 years. I am asking for help in releasing my name as a co-signer since XXXX XXXX is in a position to repay the loan, has made on-time payments for 4 years, and has a steady income that is twice as much as I make. I do n't understand why a foreclosure that is 6 years old ( that happened when the housing market fell in XXXX XXXX ) should be used against us for as long as it has. I have asked for information and am told since I am a co-signer that I can not help myself and have no rights in the matter. Please help - someone should not have their credit held up by a company when the borrower has the means to repay and has shown good faith that they are making their payments on time. I have read that Navient has a history of not releasing co-signers and since they are not willing to work with us, I am filing a formal complaint for some relief. Thank you for your time.
Ocwen Loan Servicing , LLC is attempting to collect a " debt '' and attempting foreclosure without possessing debt note and deed of trust. Did not provide meaningful response to multiple qualified written requests and debt dispute validation. Filed documents affecting interest in the property in violation of automatic stay.
MY NAME IS XXXX XXXX I LIVE IN XXXX XXXX AL, MY WIFE XXXX XXXX WHOM USE TO WORK FOR WESTERN FINANCE BUT NO LONGER WORKING FOR THEM BECAUSE SHE WROTE A STATEMENT AGAINST WESTERN FINANCE IN DEALING WITH A DISCRIMINATION LAW SUIT DEALING WITH XXXX. XXXX XXXX HER SUPERVISOR AT THE TIME OPENED ME A LOAN IN THE XXXX OFFICE OF WESTERN FINANCE, I MADE PAYMENTS ON TIME AS WELL AS TRYING TO IMPROVE MY CREDIT SCORE. I RECENTLY PAID WESTERN FINANCE OUT ON A GOOD NOTE, I NOTICED MY CREDIT DROPPED AND THE BRANCH MANAGER AT THE XXXX XXXX STORE HAD BEEN CALLING ME ASKING ME IF I WANTED TO REOPEN MY LOAN, TODAY I TAKE UPON HER REQUEST I WOULD LIKE TO OPEN MY LOAN IN THE XXXX XXXX BRANCH AND I GET A CALL BACK LESS THAN 30 MINUTES STATING THEY COULD NOT REOPEN MY LOAN. I ASK WHY AND THE LADY BY THE NAME OF XXXX XXXX SAID SHE COULD NOT EXPLAIN THAT I WOULD RECEIVE A LETTER IN THE MAIL. THE BRANCH MANAGER IN ANOTHER OFFICE CALLED ME AND SAID IT WAS BECAUSE THE DISTRICT MANAGER I COULD NOT REOPEN MY LOAN DUE TO MY WIFE BEING THE EX MANAGER WHO MADE A STATEMENT IN THE DISCRIMINATION CASE AGAINST WESTERN FINANCE. WHY WOULD THEY CALL AND ASK ME TO OPEN MY LOAN AND DENY ME BECAUSE OF MY WIFE? I HAVE SUPPORTING DOCUMENTS THAT STATES THE REASON FOR MY TURN DOWN IS BECAUSE OF THE DISTRICT MANAGER NOT BASED ON MY CREDIT HISTORY. IT IS BEYOND ME A COMPANY WILL ALLOW ANYONE TO DETERMINE THE COLOR, XXXX, MARTIAL STATUS OF THE REASON FOR THE TURNDOWN. IT BAFFLES ME AND I KNOW THIS AGAINST POLICY. I HAVE CONTACTED THEIR HOME OFFICE AND THEY TRANSFERRED MY CALL TO AN EXTENSION BY THE NAME OF XXXX XXXX WHOM I LEFT A VOICEMAIL ON. THIS IS AGAINST THE LAW AND IT SHOULD BE BROUGHT TO THE ATTENTION OF EVERYONE.
The late payment occurred on XXXX 2016. I have made several calls and attempt to contact the creditor to remove the payment. Although the payment was late, it was not due to my inability to make the payment, but instead was due to you not being aware of it being due. Since the late payment, I have had more than 15 months of on time payments and enrolled in automatic payment.
I have this loan and the payment are to high ... being a senior citizen the payment are to high I am Paying {$420.00} each month have not paid for this month and they can take my car at anytime I am trying to work with them my health is now becoming poor as I can not sleep and I go to a doctor for my XXXX XXXX  I am frighten about everything, I want to pay them and I will but I need the payment to be between $ XXXX {$320.00} per month which would be a hardship but I could do that the interest on the loan is 160 % computed daily ... .I borrowed {$2500.00} and I am {$20000.00} for this loan over 4 years ... I was under such pressure when I took out this loan and did not know what I was doing I need help badly. had I known I would not have take this loan out and would have just gone homeless..at least I would have had a car to sleep in and live not I will be on the street with no car or a place to live
Wells Fargo Dealer Services continues to seek payment on a loan for the entire loan amount instead of recalculating the amount based on their sale of the collateral vehicle after they took it back twice. XX/XX/2016 Wells Fargo Dealer Services came to retrieve the vehicle for the second time. It was around XXXX and the guy that came said " sorry you have to call Wells Fargo if you want the car back because its going to be sold really fast ''. I did not seek to recover the vehicle. 

Upon reviewing my credit report, I noticed that Wells Fargo has yet to update the accouting of my loan with them. I requested information from Wells Fargo on XXXX/XXXX/2016 using their phone number of XXXX. I was told the account was not in their office and that I should call XXXX. I called that number and was told they did not have the account in their department that I should call back to XXXX. I called that number as instructed only to be told again that it was not in their office. Both offices told me to call the other office. 

On XXXX/XXXX/2016, I again called Wells Fargo and spoke to CSR ID XXXX and was transferred to another department because she did not have details about the account as it was in a different department. I then called XXXX ( a number of WFDS ) and they too did not have my account. I then called again to the main number and was transferred to a CSR by the name of XXXX ( whom told me he does not have an ID number to provide ) and he told me to call XXXX. I then called XXXX and was told again that it was not in their deparment and was told to call the " Wells Fargo Dealer Services Regional Office ''. I called the " Wells Fargo Dealer Services Regional Office '' only to be told again that the account is not in their office. 

I then called the main number again to inquire about the status and to get details about the loan, the balance after they took it back, and what the next steps would be. I was told once again it was " not in their department and they do n't see anything about the account ''. I asked how much do I owe after they took the car and was told by the CSR " I do n't have that information ''. I explained to the CSR that my credit reports are not correct and the balance should not be so high since they took the car and I confirmed with the CA-DMV earlier in the month that it was sold. CA-DMV would not provide me with the sale date, amount, or anything other information because I was no longer the owner. I asked how do I fix this and/or who do I talk to because Wells Fargo reporting wrong information everymonth. I was told by the CSR " I really do n't know what to tell you Ma'am. There is nothing I can do at this point ''. 

I was not given any means to address the erroneous credit reporting issues, nor was I given any accurate contact information/department to correct the issue. When I asked " exactly how much does Wells Fargo say I owe? '' I was told by the CSR that she does not have access to that information. Hence I am seeking assistance from the consumer financial protection bureau. 

I have been seeking to have accurate data reporting to the credit bureaus