WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX.filed judgment in court. I sent payment as per agreement for {$250.00}. Company said my payment was only {$25.00} although they had cashed it for {$250.00} from their bank and check had cleared for {$250.00}. They attempted to garnish wages without notifying me and I had to correct error and send them proof of information they had ( ie canceled check and proof of funds ). They blamed my handwriting and said they did not have to notify me of anything. Company representative " XXXX '' never notified me of options such as settlement options which I found out 3 years later I should have received. Caused embarrassment and issues with my employer
XX/XX/XXXX- XXXX car loan for my spouse ( XXXX ) age XXXX since many yrs of hardship. Good income, job stability of 2yrs & cleaned up credit since XX/XX/XXXX bankruptcy filing which was paid off early. Dealer ran so many credit apps ( ding ) & ended with Ally car loan@11.95 % rate. Letter from Ally 3wks after having car that loan denied. Called Ally with being assured loan is ok. Payment of XXXX/mo & most is going to finance charges. Really??? 11.95 % interest. Scammers on minority people!
I have been victimized by the XXXX real estate crisis. Was given bad information pertaining to a re-fi loan application back in XXXX. Had perfect credit score until that point when I was instructed by advisors to miss at least 6 mortgage payments to become eligible. While following their directions my mortgage company began the foreclosure process. I had to scramble to maintain my home. Had to pay {$15000.00} to reestablish a 40 year mortgage at 7.75 % interest rate to keep from losing my home. Since XXXX, my guaranteed mortgage was converted into a none guaranteed mortgage causing me a problem getting any refinance consideration due to the fact it was now a none guaranteed mortgage. This process whereby my mortgage is bought and sold has occurred no less than a half dozen times. Most recently is occurring right now as my mortgage is being sold to XXXX XXXX XXXX effective next month. 
I want to be able to refinance my mortgage at a reasonable rate but because the status of my mortgage has changed I am ineligible.
The lender initiated foreclosure within the early intervention period in violation of Regulation  X, 12 C.F.R. 1024.41 ( f ). The lender also failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) - The lender was also sent a QWR ( Qualified Written request ) for a comple te loan history on  XXXX / XXXX / 2017
I sold an item on XXXX on XX/XX/XXXX, for {$52.00} and {$7.00} shipping, totaling {$59.00}. The transaction was processed through Paypal, and the funds were supposed to be released to me by Paypal on XX/XX/XXXX. The tracking system confirmed an XX/XX/XXXX delivery and the buyer left positive feedback on the transaction. On XX/XX/XXXX, the funds were not released as promised, so I first contacted XXXX and was told [ by XXXX ] that it was a Paypal issue, since the transaction had gone through Paypal. The reference number for my involvement with XXXX on this issue is XXXX, and it will confirm what I've stated. I then contacted Paypal, and was told that it was an XXXX issue, and even when I pointed out that XXXX was no longer involved in the sale, the rep still insisted that it was an XXXX issue. ( The transaction details reveal that it is not an XXXX issue, and that Paypal is responsible ). To date, I have invested XXXX minutes into telephone conversation and 'hold time ' to resolve this matter. As of right now, I do not have my item ( because I sold it ), and I do not have my {$59.00} and Paypal still insists that it is not their issue, when I have proven to them, through the account/transaction details, that is in fact their issue and not XXXX 's. At this point, all I want is my money - I have even stopped selling on XXXX as a precautionary method to prevent this from happening again. The latest correspondence I had with PayPal was on Monday XX/XX/XXXX at at XXXX XXXX Eastern Time, and was told [ once again ] that there is nothing more that they can do for me - the Paypal reference number is XXXX, which will confirm the details of the conversation.
XXXX, XXXX, and trans showing inaccurate information sent police report and idtheft letter fcra violation
I paid my credit card off last year. XXXX XXXX is still reporting that I have a balance on the account. This information is incorrect, it also shows that I was late numerous months. I have disputed this several times with all XXXX bureaus and they refuse to remove it. It shows that I have a balance of {$290.00} as of XXXX/XXXX/XX/XX/2015
Received cease and desist letter from them showing they would n't call called this Wednesday made numerous attempts through email to fix problem only response back from them is plz call
XXXX. With the XXXX fiasco, I tried to contact Transunion to put a freeze on my credit report. Initially, when I clicked on Click to initiate freeze process, I was directed to a screen about a {$19.00} fee. Later, I got the message, " We are experiencing heavy volumes due to the XXXX breach. Please try your request again later. '' I 've been trying for days. Now, the message is The website is temporarily unavailable. Please check back later. We apologize for the delay. Incredibly, initiating a freeze with XXXX  and XXXX was easier. 

XXXX. Why is TransUnion trying to get us to pay them {$19.00} for a freeze? This should be waived. 

XXXX. I 'd complain about XXXX, but everyone knows about that situation and a complaint wo n't solve anything.
CONNS REPORTED NEG MARKS AND LATE PAYMENT ON MY ACCOUNT FOR THE MONTHS OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I MADED MY FINAL PAYMENT IN XX/XX/2018 AND CONNS REPORTED THAT I WAS MAKING PAYING ALL THE WAY THROUGH XX/XX/2018 AND I HAVE NOT MADE ANY PAYMENT SINCE XX/XX/2018. I HAVE CALLED THEM AND REQUEST PAYMENT HISTROY AND THEY STILL HAVE NOT SENT IT TO ME. MY PAYMENT WAS XXXX MTHLY AND THEY ARE SHOWING OPEN BALANCE OF {$92.00} BUT REPORTING $ XXXX ON MY CREDIT REPORT.
On XX/XX/18 my wife XXXX and I entered into a lease agreement with Toyota Financial Services for a new XXXX XXXX for 3 years. At closing, I was asked if we wanted GAP insurance and given a price of approximately {$30.00} per month. I knew the price was high and asked if it was cancellable at any time. Finance Manager XXXX XXXX said that was indeed cancellable at any time. So I agreed to purchase this GAP coverage. 

On XX/XX/18 my wife called the dealership inquiring into cancelling the policy. She was given an XXXX number, called it, and was given a fax number and instructions to hand write ( and sign ) a note asking the policy to be cancelled. Attached is a copy of that letter and fax delivery confirmation. 

Now, Toyota Financial is saying that not only have they not received the request ( this is a minor concern, as I have reiterated the request through a secure message on their website ), but that upon receiving the cancellation notice, we will continue to pay the roughly {$30.00} per month for the GAP coverage for the duration of the lease. This amount will come off of the principal balance of the car at the end of the lease agreement. 

1 ) I lose the time-value and interest on this money, which is of course outright robbery, that these finance managers at Toyota pretend not to even understand this concept. 

2 ) When I asked if the GAP was cancellable, and was told yes, at any time any reasonable person would not assume that this monthly bill would continue on until the end of the lease. At a minimum this is highly deceptive and reckless ; what is very likely is that it's a scheme to steal from people through dishonest practices. At the very least, this arrangement should have been disclosed ( i.e. " yes, its cancellable, but you are locked into this exact payment, and we return the excess payments through reduced principal at the end of lease '', for example ), and if it had been disclosed and I was fully informed of the arrangement, I definitely would not have agreed to purchase the coverage. This lie, this deceit, changed my purchase decision entirely.
PNC Financial Institution does not follow customers banking preferences. They charge fees they do not disclose when opening an account through PNC. They will send transactions to debit from your account in a way that gains overdraft fees for their bank. PNC does not offer a valid email address to escalate complaints or to request reimbursement of charges made to the account. PNC claims to have rewards for using their debit card for various merchant debit transactions, but no points or rewards have been received by any PNC customers. PNC does not offer any type of resolutions to any discrepancies on checking accounts and customers can never speak to a manager unless you ask for a call back up to 3 days later. PNC will keep cash deposits pending for up to 5 days at a time. Payroll checks also remain in pending status for up to 5 days at a time. PNC has thousands of customers claiming to have money stolen from their account or money never showing up in their accounts. PNC will debit large checks from your account first and bounce several other small transactions or deny the small transactions if there is not sufficient money in the account. PNC will take this action against your preference to opt out of their overdraft protection. PNC has policies in place that allow them to do whatever they want and the government supports these actions to innocent banking consumers.
I canceled my service with my TV provider correctly in early XXXX. That company charged me in error for another month of service on XXXX/XXXX/XXXX. I contacted the company to complain, and when I did not initially receive an adequate response, I contacted Capital One to initiate a dispute. Capital One credited my account XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, my TV provider also provided a credit. This essentially left me underpaid to that company for my final payment and they sent me billing information. 

On XXXX/XXXX/XXXX, I used a credit card with a different company to pay the TV provider in full. 

On XXXX/XXXX/XXXX, Capital One reconciled statements and realized I had received XXXX credits for the XXXX payment. They added another transaction for the payment to forward to the TV provider. Because the balance owed had been with the TV provider and because it was settled using a different financial institution, Capital One did not need to charge me again. The company did so and then refused to offset the transaction stating that they do not have an option to remove the charge. As a result, Capital One has cost me {$100.00} that they did not provide a service for ( paying the final payment for my TV provider ). The company has refused to make me whole.
I bought a couch on XXXX/XXXX/XXXX from XXXX 'XXXX. They advertise and tell you that you have 24 months 0 % financing. When I received my statement the plan expires XXXX/XXXX/XXXX. This is 1 year 11 months of financing. I complained directly to XXXX 'XXXX  by calling XXXX XXXX at XXXX. Someone called me back on XXXX/XXXX/XXXX from the number XXXX. He kept telling me the time starts the day you buy the item. Basically the gentlemen tried to explain it and I said that is not 24 months financing that is 23 months financing. 

They do not charge you interest if you buy something on the retail account and then you pay it off when you received your statement. But they start the promotional account from the day you purchase the item. 

I have several other cards and not one calculates the free financing in this manner. 

They either have to quit advertising 12 months free financing or advertise that it is 11 months free financing. 

They also advertise that anything over XXXX is free advertising. However, if you buy anything on their website they do not offer free financing at all. This is extremely confusing to the consumer and is not right.
I have attempted to dispute this collection off of my credit report twice. The second time i mailed a certified letter to XXXX and they received it and signed for it XX/XX/2018. I mailed them a demand letter for verification of debt as well as a request to remove it due to me disputing it and it is not my debt with other documents. Nobody has ever responded to me. I called in on XX/XX/XXXX in regards to why i have not heard anything and why is it still on my credit. I was asked at that time would i like to start a dispute and i told them " NO. '' this has already been a process why start over. An representative decided to go against what i requested and per them ALL CALL ARE MONITORED OR RECORDED. I have also received two letters from XXXX XXXX   executive office stating they do not have any record of debt owed by me to their company. The last letter received from XXXXXXXX XXXX was XX/XX/18 which is 1 of 3.  On XXXX i spoke to XXXX XXXX who advised me she will request a supervisor to call me back within 48 hours, and also made me aware of the dispute being opened XX/XX/18 without my permission and as of today i have heard nothing.
In XX/XX/XXXX, my husband and I both received Visa credit cards from Capital One, where we have been customers since the bank came into existence. I am the primary person on our accounts there. ( We have two joint bank accounts and I have one solo bank account at Capital One. ) We always pay all our bills, including credit card bills, on time. 
The Capital One Visa credit cards came with different credit limits. My husbands cards limit was two and one-half ( 2 1/2 ) times higher than my cards credit limit! We assumed this was an error on Capital Ones part, as our two other Visa cards are joint cards and we have always had the same credit limits on those cards. I have called Capital One at least three times about the discrepancy in our credit limits, asking for the same limit for both my husband and me. Each time I am told that Capital One uses many factors in setting credit limits. Since my husband and I file joint federal and state tax returns and have joint bank accounts, I asked what the factor was that led Capital One to give me a far lower credit limit. Was it gender? That is the only difference. There was silence. 

In XX/XX/XXXX, I received two letters from Capital One saying that I needed to use their Visa card more if I wanted the same credit limit as my husband. That excuse simply isnt valid : I have charged more on that card than my husband in XXXX, XXXX and XXXX. In fact, I have already paid {$30000.00} on that Visa card since XX/XX/XXXX. My husband has paid less than {$150.00} this year. 

Capital One is discriminating on the basis of gender in its credit cards credit limits. Although their customer agreement for credit cards says they can take any action at any time with respect to credit limits, Capital One is not allowed to discriminate in its lending. That is a violation of federal law.
CIT Bank Contacted bank about higher interest rates published, but my account receiving a lower rate, asked bank to extend the higher rate, they said you must open a new account, even thought the existing acct was identical in structure, terms, fess etc to the new account. Instead i asked to close my account and transfer all funds to the external account on file. CIT claimed it would take over 1 week before they could close account and transfer funds. 4 days later they asked for the external account routing and acct numbers, which they already had, or they would send a paper check. CIT is very underhanded and difficult to work with, easy as 1,2,3 to set up an account very challenging to close an account and get your funds.
Even though XXXX* told me, both in writing and over the phone, that they have retracted the negative information that was falsely reported as " late '' for XX/XX/XXXX and XX/XX/XXXX payments, as of XX/XX/XXXX ( that is 6 weeks later ), the negative information is still sitting on my TransUnion credit report. 

*The person that I spoke with at XXXX is XXXX ( extension # XXXX ) at XXXX.
On XX/XX/18, XXXX made several bank errors. She made unauthorized changes on my account. She also provided unfair and misleading information, which is costing me {$450.00} to maintain my relationship with the bank. I have several wrongly charged fees applied to my account due to her bank errors. The bank has refused to provide me my refunds after stating that they would reimburse me. I want them to honor their word and have my fees reimbursed as well as additional reimbursement from my pain and suffering this inconvenience has caused me.
Allied Interstate sent a letter ( XX/XX/XXXX ) regarding a debt we disputed on XX/XX/XXXX when they used one of their other companies ( XXXX XXXX XXXX ) and used a different reference number. We explained that the original debt was disputed with the original debtor ( XXXX XXXX XXXX ) due to identity theft and fraud that the company refused to address, refused to cancel the card, and had the audacity to add late fees, over the limit fees, and even continued to increase the credit limit ( which was {$300.00} ) to {$900.00} to be able to include the fees. Allied Interstate now has sent another request for payment for XXXX XXXX XXXX, another of their companies. We have disputed this debt with the credit bureaus, the credit card company, and the police department, but it does not stop any of them from sending more letters demanding payment and threatening to affect my credit score, which has already taken a horrible hit since XXXX XXXX dares to say I am in default. This has affected my ability to obtain employment. This has gone on since XX/XX/XXXX and they continue to come at me repeatedly under a new name. This is just beyond frustrating. I don ; t know who else to turn to since even when you write and dispute a bill they just change name and start all over again.
Was in IBR repayment plan. 
Applied for rePAYE through XXXX rePAYE application was approved. 
After this, a {$5.00} payment had to be paid to transfer into rePAYE. 
Despite being signed up for direct deposit, autodraft payments, the payment was never drafted. 
After non-payment, the account was considered delinquent, the rePAYE approval was denied and it has been a nightmare to correct.
I received a XXXX credit card from XXXX XXXX around the end of XX/XX/XXXX that I had never applied for. The same day I received a letter in the mail saying there had been an unauthorized purchase on that credit card. Since I had never applied for a XXXX credit card I called XXXX XXXX. I was alarmed when an automated voice asked for the card # and my social. I did not want to give that information over the phone. I thought both were fraudulent and so I shredded them. On XX/XX/XXXX I received an unauthorized purchase in the mail from XXXX and when I checked online it was from an XXXX credit card from XXXX XXXX that I had never applied for. When I called XXXX I was placed on hold and the call was disconnected. I called back and they eventually connected me with XXXX XXXX. XXXX XXXX asked for the card number and I told them I did n't have it because I had never applied for the card and had never even received a physical card. They then put me on hold and the call was disconnected. 
My complaint is that XXXX XXXX is opening credit cards in my name. I am worried that they may open an account to XXXX, XXXX or any other store where I shop without my approval. I have excellent credit, I use several personal credit cards of my choice and do not want to have any additional credit cards.
I submitted a request in writing via email requesting that they stop contacting me by phone. I requested that all further communication be done in writing. I received a confirmation email that they received and read the email, yet within an hour two more phone calls came through. They call me approximately 4 to 5 times a day and never leave a message. If I call the number back it goes unanswered and if I answer there is usually no one on the line. The name of the company is XXXX XXXX XXXX or Allied Interstate LLC an XXXX Company.
This policy was paid in full. I moved on to another company and they are overcharging me almost as a penalty for leaving them. I want this removed from my credit as this is not a valid balance due. They are trying to make me pay for insurance that I did not use and I consider this a false claim. I want it immediately removed from my credit.
Previously filed complaints not resolved. The wrong name, XXXX XXXX, with an address in XXXX still show-up on my credit report. The fact that the false collection shown by these agencies is now removed, doesn't nothing to fix the underlying problem. The next time this bimbo has a late charge or collection it will again show-up on my credit report because her information is falsely shown on my credit report!
Wire transfer for {$310.00} XXXX has not arrived in my Coinbase account. 

I have an account with Coinbase and have verified my bank account through their process. On XXXX XXXX, 2017 I sent a wire transfer from my bank for {$310.00} to Coinbase with their reference number XXXX which should have taken only a few days to complete. This transfer has not made it to my XXXX wallet on Coinbase. I have contacted Coinbase using their support website and opened support ticket number XXXX. On XXXX XXXX, 2017, I called Coinbase customer support and talked to " XXXX '' who informed me he would escalate my issue. XXXX also told me since the wire transfer was old, my funds would probably be sent back to my bank account. This has not happened nor has the money appeared in my Coinbase wallet. I have continually reopened the same support ticket to request a resolution but still no resolution as of today, XXXX XXXX, 2017. I have attached a copy of the wire transfer from my bank to this complaint.
Every month for the past 6 months Ive been paying my credit card by the due date, yet I get a late fee charge every month saying I did n't pay the right amount by the due date. I have to write in and get a credit or call and yet the minimum payment includes the late fee amount. Another thing is that I lost my card and a new card was issued. well on my credit report it shows  XXXX  reports on the same card,  XXXX  for the lost card and  XXXX  for the new card. they  XXXX  have late reporting of 30 days but the problem is the first one that shows lates on a particular month is showing no lates on the replacement card account..this is happening on li ke 4 diff erent months ... I called and disputed this 4 times now and it has not changed either ....
XXXX XXXX is paid in full student loans are n collections addresses are incorrect social security numbers wrong numerous credit cards ran