WillisBack/dataset-financial-user-claim huggingface dataset:
At XXXX XXXX CST on XX/XX/XXXX, I transferred approximately a sum of the cryptocurrency Litecoin worth {$2600.00} and received an email from Coinbase confirming that my transfer had been received and was being confirmed. At XXXX XXXX, I received another email notifying me that said transfer had been confirmed and that the funds were being transferred to their exchange, XXXX. According to the XXXX website, " Transfers between your Coinbase wallets and XXXX  account are instant and free '' ( XXXX XXXX XXXX ). In the six days which have passed since I received this email, however, I have yet to receive any funds in my XXXX account, where my Litecoin balance still reads XXXX. 

On the morning of XX/XX/XXXX, I opened a support ticket with the company. Within the hour, I received two automated emails which contained links to the company 's FAQ pages. The second of the two automated email directed me to respond if my problem had not yet been solved, so I sent a response at XXXX XXXX on XX/XX/XXXX which stated that my Litecoin was still missing. I sent another response at XXXX XXXX on XX/XX/XXXX in which I restated my concern for my missing funds and provided more information. I have yet to receive any emails which address my specific issue or which were written by a human being.
My issue is three : ( 1 ) I do not believe the charges are legitimate. I have receipts indicating payments for service. ( 2 ) The bill that is claimed by the service provider is for service dating back to XXXX 2014. I paid in full. Also, there were no subsequent notifications that they believed I had an outstanding balance. ( 3 ) The collections agency sent me a letter stating their position with a contact phone number. When I call the phone number, it indicates, " for the states of Texas press XXXX ''. When I press XXXX ', the automated voice service says for the state of Texas they are not accepting calls or service is not available. It then provides me a second number to call. When I call this number, the automated voice message indicates that service is not available at this time for the State of Texas and for me to call later.
I HAVE BANK OF AMERICA, AND I JUST RECENTLY WENT BACK TO THEM, I HAVE THEM FOR CHECKING AND SAVING ACCOUNTS, I GET A MONTHLY DIRECT DEP AND A EVERY 2 WEEK DIRECT DEP. THERE ARE SOME BILLS THAT I WILL PAY FOR VIA BILL PAY, I WILL COUNT THE AMOUNT OF MONEY THAT IS IN THE ACCOUNT IN REF TO HOW I WILL PAY MY BILLS. I HAVE BILL PAY FOR A REASON, REALLY EASY AND CONVIENT. I USED MY BILL PAY THIS MONTH AND PAID CERTAIN BILLS THROUGH MY ACCOUNT, I KNOW THE AMOUNT OF MONEY THAT IS IN THE ACCOUNT FOR ME TO PAY MY BILLS, I ALSO HAVE OTHER ACCOUNTS AS WELL. I SEE THAT BANK OF AMERICA WILL PAY FOR THE NON EMERG BILLS XXXX AND THEN MAKE THE LARGE BILLS COME OUT, BUT BY THE TIME I HAVE CERTAIN AMOUNT OF CASH IN THE ACCOUNT, I HAVE A OVERDRAFT. NOT ONLY DO I GET THE OVERDRAFT, I NOW GET THE BILL REPAID THROUGH THE BANK, EVEN KNOWING HAT I AM IN THE NEGATIVE THE BANK CHOOSES TO MAKE THAT PAYMENT AGAIN, WHICH I THINK ITS TOTALLY WRONG AND I BELIEVE SHOULD OR IS ILLEGAL, THAT IS THE WAY THAT THE BANK COULD MAKE MORE MONEY ON PEOPLE THAT HAVE ACCOUNTS WITH THEM, YOU SEEM AS OF MY START POINT I USED TO HAVE AN ACCOUNT WITH BANK OF AMERICA FROM XXXX XXXX AND FOR SOME ODD REASON I WAS GETTING A NEW CHARGE ON MY ACCOUNT, A MAINTANCE FEE. NOW I HAVE HAD THE SAME AMOUNT OF MONEY EACH MONTH AND EVERY 2 WEEKS. SO I AM NOT SURE IF I AM THE ONLY ONE THAT GOES THROUGH THIS, BUT I THINK BANK OF AMERICA IS TOO BIG FOR ITS BRICHES AND NEEDS TO REFUND ALL THE MONEY TO THE PEOPLE THAT HAVE ACCOUNTS.
On XXXX ( XXXX ) XXXX a law firm named XXXX, XXXX, XXXX and XXXX filed a lawsuit citing that they represented XXXX for a debt and did not name the creditor or identify the debt source. The citations do not show that XXXX XXXX XXXX was ever served the citations as they are not signed. There was no other information sent notifying XXXX of the debt identification or how to resolve the claim. XXXX XXXX XXXX passed away on XXXX XXXX, XXXX after an extended illness. On XXXX XXXX, XXXX a totally DIFFERENT law firm ( Jenkins, Wagnon, and Young ) showing that they represented XXXX XXXX, XXXX ( which is not the original debtor shown on the citation in XXXX - different collection company name and different debtor ). There was no citation sent according to county records to attempt to notify XXXX or her estate of the claim. There was no no validation of the debt and no information sent disclosing what this debt is, the original creditor, and allowing the person OR the estate the opportunity to validate the debt. There are some legal time issues that also apply on filing or collecting within a year of the death of a person. 
This action is an unfair debt collection action. They have misrepresented information and facts about the original suit, the original debt collector and the law firm filing the suit are totally different entities that the judgement action entities. In addition, no notification was sent or served for the judgement action entities, no opportunity to validate the debt or respond to the action action was afforded either XXXX XXXX or her estate and respresentatives. This judgement was also filed over 18 months after the death of XXXX XXXX. 
There has been no response or acknowledgement of the original complaint and there has been no real response to my initial attempts to contact the creditor and communicate with them. Discussions with the original law firm disclosed that they will not be filing or asking for further action or judgement. I have no ideal what the debt is supposed to be as there was no disclosure of what they are claiming is owed, what kind of debt it is, whom it was owed to and other accounting information that would need to be disclosed to validate it.
To whom it may kindly concern : I have a credit card account through Bank of America. This past cycle, my bill payment was 10 days late ( due XXXX, XXXX, 2015 ). I had a health emergency and ended up in the hospital. I can send you documentation to support this claim if you wish. 

I do not dispute the fact that my payment was late, however, the reason was beyond my control. My account is now current. 

The issue I have is, I received an letter that my APR will be raised to a " Penalty APR '' at XXXX percent because of this XXXX late payment! With this exception, I have never had a late payment with this account, whatsoever, or any others in my credit history. The hospitalization was completely outside of my control. I made the payment as soon as I was physically able. 

I would also like to add, I attempted to pay my bill online a few days early, but Bank of America 's website was down for " scheduled maintenance. '' The next day, I went to the hospital, so this is at least partially their fault. 
Any help or advice you could provide with this matter would be greatly appreciated. 

Thank you, XXXX XXXX
I called my XXXX XXXX company at XXXX, they directed me to an agent from XXXX XXXX XXXX, XXXX XXXX. He told me that if I sign up with their service I will automatically be signed up to the 10 year loan forgiveness program. The fee was {$990.00}. I asked him several times that if I sign up and pay the fee I will only pay student loans for 10 years, he said yes. So I agreed to the fees. Once my loans were consolidated and under XXXX XXXX, they told me I was not yet enrolled in the forgiveness program. So I feel that I was lied and scammed by XXXX XXXX. They told me as soon as I pay the processing fee I would be enrolled in the forgiveness program. The agent should have told me that I had to submit an application directly to XXXX XXXX and that there were further steps before I would be enrolled in the forgiveness program. I would have not paid their company if I had to do it myself anyway. 

Their fee is ridiculously high, {$990.00}. They should have only charged {$300.00} at the most. They should also tell their clients that they are a 3rd party that assists with loan management but that clients can submit forms and applications directly to XXXX XXXX. Companies like these should not exist because they are only taking away more money from students by making it seem that they helping. Students with loans need to be advised on what to do about their loans and options that they have but not be charged {$1000.00} for it, that is too high. 

There are also emails between me and the company where they asked for recent income but after i emailed them my paystubs, they failed to process but will again send another email to ask for income verification. They are not timely or organized in how they request and process client 's documents. It caused me to make a payment that was not updated timely. I made a payment of {$300.00} but then got a letter a week later that the payment amount was changed. I emailed paystubs and XXXX XXXX verification on XX/XX/XXXX on XX/XX/XXXX they asked for my income verification. It takes them a month to respond and with the wrong response. 

For other consumers, don't think that 3rd party companies will help. They will only charge a huge fee for things you can do yourself. Speak directly to XXXX XXXX for the loan forgiveness programs.
I 've had no XXXX XXXX Accounts to my name in many years, maybe 6 or 7. When I finished my last contract with XXXX, I paid everything I owed proof of which is that I was allowed to take my mobile number to XXXX XXXX XXXX where I still have it. However, XXXX XXXX XXXX XXXX and First National Collection Bureau Inc keep harassing me by mail and phone calls to pay the {$51.00} that they say I owe and I know I do not owe that money.
I submitted a claim on XXXX/XXXX/16 [ Case number : XXXX ] SLS responded that they WILL NOT REMOVE THE 30 DAY LATE. There decision is illogical and I will continue to dispute this with more vigor.I have provided my response letter to help explain the details .... 
XXXX XXXX, 2016 To whom it may concern, I am completely dumbfounded at your response! You must REVIEW this attached letter and other documents AGAIN -YOUR INFO IS INCORRECT! You produce and claim you sent a letter stating payoff instructions but I NEVER RECEIVED ANY CORRESPONDENCE LETTER WITH PAYOFF amount! You stated you sent the check back! THIS IS NOT TRUE! I OBVIOUSLY DID NOT RECEIVE THE CHECK BACK or how could you cash it on XXXX when the letter is dated XXXX. If you sent this letter WITH SPECIFIC PAY OFF REQUIREMENTS AS STATED why did you cash the check when a cashier 's check was required! IT IS ILLOGICAL AND I ASSERT it is CORRUPT AND DISHONEST! If this was done properly, and YOU ACTUALLY returned the check, I would have MAILED THE CASHIER 'S CHECK AND ALL WOULD BE WELL. I YOU had NOT CASHED THE CHECK I would have been alerted and resolved this and ALL WOULD BE WELL. IF YOU WOULD HAVE APPLIED MY XXXX payment on XXXX XXXX when it was received then ALL WOULD BE WELL. IF YOUR EMPLOYESS WOULD HAVE ADVISED ME PROPERLY 4 TIMES THAT I CALLED! THEN ALL WOULD BE WELL-but YOUR COMPANY DID NONE OF THESE THINGS and THIS COMPANY SLS is therefore SOLEY RESPONSIBLE!!!! You cashed my check and did NOT APPLY IT!!!! 
Think about this ... If this letter was in my record WHY DIDN'TANY OF YOUR employees have any idea about it! I assert it is BECAUSE IT WAS NOT THERE. I assert that you are unfairly reporting a late payment and that I was unfairly ill advised through personal phone calls and mail correspondence and am therefore NOT RESPONSIBLE FOR 30 DAYS LATE REPORT TO CREDIT AGENCIES. It is NOT REASONABLE to consider this could be! I MADE THE LAST PAYMENT ON TIME XXXX XXXX -- -YOU HELD THE MONEY FOR OVER 50 DAYS until XXXX XXXX!!!! Even though AND ONLY AFTER I called SEVERAL times -see my LETTER again! I AM OUTRAGED BY THE DISHONESTY HERE AND HAVE REPORTED YOU TO THE CFPB
Portfolio Recovery keeps calling my work number after being asked not to call me. They have made two calls in the last 30 days and another prior to this. Each time they call I tell them that this is my work number, the phone is answered by saying thank you for calling Employer 's name, they will not stop calling and I am not to have calls like this at work and they say they will note it and then call me again. I even give them my cell phone to call instead and they will not call it.
I contacted a person with an advertisement to turn I send into 10 times the amount sent for a fee of 25 %. I sent the money ( {$200.00} ) through western union as instructed and was told I needed to send more money ( {$400.00} ) because an error had occurred and the agency will need the extra amount to process the investment. After I sent the money to XXXX XXXX I then uploaded the pictures of the money I had sent through Western Union I received another call that the " Agents '' will process my return and the money will come back to me through XXXX XXXX. I looked the program " XXXX XXXX '' up and felt confident that the program was ligament. After 8 hours and the representative no longer taking my calls I am realizing it was all a scam. XXXX, that's whom the person advertises himself as is no longer available to take my calls. The advertisement is still on XXXX social media sites. The company is Western Union web pay
I use Chase bill pay to pay my regular bills. On XX/XX/18 I paid my trash company the monthly invoiced amount of {$120.00}. On XX/XX/18 someone at Chase bank changed the vendor name and address without my knowledge or consent and mailed the check to this erroneous vendor. The vendor is not related to my vendor and I had to pay the amount again to the correct vendor.

When I contacted the bank they said they were contacted by the new vendor and changed the information based on " valid documentation '' and that they do this regularly. They said they can not provide me with that documentation because it is confidential. I received no notice or confirmation of the change by the bank of vendor information in my personal online profile. The change is NOT valid and the real vendor is not aware of why they would have made this change, and required me to pay the bill in full again.

Chase said they would investigate to see if the correct vendor was paid - when asked they said that means if the vendor name on the check is the vendor that cashed the check. That doesn't help me! The vendor name is wrong, I did not make that change they did, and now I am just out {$120.00}? I guess I can't trust Chase bill pay any longer?

I also contacted their online banking division who said they will get back to me, but it did not sound like I will ever get a satisfactory answer to this issue, nor any assurance that it will not happen again. Is that legal for them to change my vendor information without telling me???
I signed up for Experian credit monitoring in XX/XX/2015 I have no complaints over the information I have received. However, I now want to cancel my credit monitoring subscription which costs {$25.00} a month. 

There is no way to cancel a subscription online, and when I have called the phone number they give to cancel ( XXXX ) the wait times are extremely long. I have called 5 times now in the past month. The first time I was told the wait time was 45 mins. The next 4 times I called, I was told the wait time was more than 2 hours!! I have called at several different times throughout the day to try to find a shorter wait time, but with no success. 

It seems very clear to me that Experian are intentionally understaffing their cancelation call center to reduce the number of people that are able to cancel membership.
I send XXXX dollars to XXXX to my brother-in-law in his bank account ( XXXX XXXX ) on XXXX/XXXX/2016 but money is still not deposited into account.
XXXX XXXX is reporting on my credit that is not mine, im requesting a verification of this debt I so call owe, which I am entighteled to under the fair credit reporting act in writing within 5 days.
Our father died ( XX/XX/XXXX ), and my sister and I were appointed to take over the financial dealings for our mother. My sister ( POA for our mother ), my brother, and I became concerned about the " management '' fees being charge by US Bank on a trust set up by our grandparents for our mother ( primary beneficiary to receive income from the trust ) and we XXXX grandchildren ( secondary beneficiaries to receive residual funds on the XXXX of our mother ). XX/XX/XXXX we made our first approach ( see attached ) to US Bank in an effort to reduce the " management '' fees ( approx. {$16000.00} in fees and expenses with approx {$19000.00} of income distribution - account value XX/XX/XXXX {$970000.00} ). We proceeded with negotiations until in XX/XX/XXXX it became apparent US Bank was not dealing in good faith with only a .2 % reduction of fees ( approx. {$2000.00} annually ). We then hired an attorney seeking to have the three of us appointed sole co-trustees intending to keep the same low risk ( mainly investments in tax free municipal bond funds ) strategy and charge no fees. Should we have been successful, we were poised to transfer investments to XXXX XXXX which has amazingly reasonable fees. In order to get a fuller picture of the management over the 20 years since our grandmother died, early XX/XX/XXXX we requested ( see attached ) the annual summary statements and management agreement ( to ascertain if the trust was going to be responsible for US Bank 's attorney ). We not only did not receive these statements but, after requesting acknowledgement, we received no acknowledgement from US Bank about our request. Our attorney also requested these statements on our behalf ( we received only statements showing the trust distributions to the three of us on the XXXX of our grandmother ).
We believe ( under Oregon law ) that we have the right to receive these annual statements so we can better evaluate past management of this account and participate in arriving at a new strategy more appropriate for our mother in light of the excessive fees being charged for scant management of the trust established for her benefit. We also believe the trust should not be charge for anything more than a reasonable amount for these copies ( i.e. the trust should not be charged for any attorney fees as we had to stop legal action because we were assured the trust would be paying US Bank 's exorbitant legal fees ). Our purpose in filing this complaint is to receive the annual year end summaries from XX/XX/XXXX through XX/XX/XXXX as well as the management agreement which should specifically address who is responsible for legal fees under specific circumstances. Thank you for your assistance in this matter.
We received emails, letters, and phone calls. We were required to fill out actual papers to return in the mail and uploaded documents electronically. Unfortunately, our rep kept asking for information already submitted which lead to confusion if anything was really needed. We did finally figure out that our multiple year tax returns ( labeled as such ) was only for one year, which would not have been a problem to upload the correct documents as it was easily accessible. The main problem is that the rep advised my husband 's contract was a requirement. I spoke with the rep and rep 's supervisor advising that we are unable to get his contract as it was still being reviewed by their lawyers. As of date, we still have not received his contract. USAA would not give an extension on the dates as they stated the dates given were a state requirement. Please advise if this is accurate or not. We asked if there were alternatives, which we provided as requested contact information to verify employment over the phone also advising it was changing to a month to month contract, but this did not suffice. I want to see if this was handled correctly. I am upset that the process left us confused on something that should have been a simple enough process in saving us lots of money at a time that rates were at an all time low. Please note that a letter was sent with the date the material was due, however, it also stated required documents which were already uploaded. I took the whole document to be inaccurate, as I was told over the phone that a yes or no answer was needed to refinance or not by XX/XX/XXXX and close out with refinance where both signatures were needed by XX/XX/XXXX. The dates contradicted one another. Also, from a customer service point of view, the rep was passive aggressive in calling the night before deadline around XXXX - XXXX CST. I reached out to the supervisor due to above and being told to keep uploading documents already in the file without the rep looking at everything. This is when we figured out what was actually needed. USAA, in our eyes, had enough information to make a decision or could have suggested a better valid alternative. Last complaint is that I had to figure out where the savings were rather than USAA advising these tips and this is what the rep and supervisor do for a living versus 1st time refinancer ... or attempted refinancer. One of these savings has expired due to USAA being unable to render a decision.
I was determined to be XXXX by the Social Security Administration. Although I received financial benefits I was not eligible for regular XXXX. I applied to the XXXX XXXX XXXX XXXX ( XXXX ). I was determined eligible at 100 %. 

My doctor decided it was time for me to have XXXX. After the XXXX I inquired to XXXX regarding unpaid bills. The XXXX billing office ( which I visited in person no less than twice ), referred me to XXXX XXXX 'for help applying XXXX ' to the unpaid bills. Instead of 'applying XXXX XXXX to bills ', XXXX XXXX said they were sending me a " XXXX application '' in the mail to sign. The documents I received were little more than a debt collection attempt. Documents authorized full access to my social security XXXX file appointing XXXX my authorized representative -and- granted XXXX XXXX access to all my financial records. I told them I would apply for XXXX on my own and would not make them my authorized representative. 

XXXX XXXX then marked my file " Non-Compliant '' which revoked all access to XXXX XXXX XXXX  XXXX a.k.a. XXXX XXXX '. I appealed the denial/revocation of XXXX XXXX. 

At that point XXXX XXXX XXXX ( speaking as XXXX XXXX with access to all communications with XXXX  and XXXX  ) wrote many emails to the effect that I was in fact " non-compliant with XXXX XXXX ''. When I presented documents and telephone transcripts to the effect - I did apply for XXXX, was approved for a XXXX Spend Down, and the only objection I held was releasing my entire life to XXXX my appeal was said to be won and I was again eligible for XXXX XXXX ( XXXX. ) -- at least I was on paper. However XXXX XXXX XXXX then reported to XXXX CEO that I was " non-compliant '' with XXXX  XXXX. CEO XXXX XXXX wrote me to get in compliance and only AFTER XXXX paid all the portion not relating to my spend down XXXX XXXX would cover the balance. 

XXXX/XXXX had/has no record of my non-compliance. When questioned in person, there were no documents to sign, etc. XXXX/XXXX simply told me to submit the bills for payment -- nothing more. Bills went into collections. The final statement I received from XXXX showed a balance of {$3000.00} - a balance that would coincide with my spend down portion. However the balance in collections is {$6600.00} - more than double the amount of my most recent XXXX statement. I have had no new XXXX appointments, proceedures, etc. 

I believe XXXX/XXXX used retaliation tactics to not only deny me access to healthcare ( at a vulnerable time immediately after my XXXX ), but also created medical debt that should not exist. I believe XXXX/XXXX has not only broken public law, but also behaved in a manner lacking every possible code of ethics.