WillisBack/dataset-financial-user-claim huggingface dataset:
I believe I was initially overcharged for my vehicle, it has since been repossessed because I lost my job & could no longer afford the payments.. The vehicle in question is a XXXX ... At the time I signed the contract on the vehicle I was desperate & really needed transportation for work, school & to take my kids to & from school ... I really believe the cost of the vehicle was over priced at {$8000.00} with interest the total came to {$12000.00} approximately.. The value of this car at that time I bought it was no more than {$1300.00}, current value approximately {$1000.00} Since the vehicle has been repossessed I have attempted to reach out to Drive Time multiple times with no success to discuss this matter. I just continue to get transferred around & told no one can help me or I 'm directed to call someone else.. I recently received I letter stating the vehicle was sold and I owe {$9700.00} for a vehicle that is only worth {$1000.00} per XXXX XXXX ... At {$160.00} biweekly payments I made for 7 months approximate cost out of my pocket {$2300.00}. I really feel this company has inflated the cost of the vehicle and are attempting to get XXXX times the amount for this vehicle from me & also from whoever they sold the vehicle to. I really feel I have been taken advantage of me as consumer ... I feel that without help from someone they will not sit down to discuss fair compensation I should pay for this vehicle, now that its no longer in my possession.. Can you please assist me with resolving this matter..
I am past due on two payments ( total of {$210.00} ) with the compan y Mariner Finance i n  XXXX ,  XXXX  and let them know about a week ago (  XXXX   XXXX  ) that I 'd call to schedule my payments when I get my commission check. I recently changed my phone number (  XXXX   XXXX  ) because I live in  XXXX  now and none of my customers like to answer my  XXXX  cell number I had, plus I kept getting telemarketing calls. The day after I changed it, my older sister ( who was a reference of mine on my application for the loan ) texted me and sai d Mariner Finance  in  XXXX  called her and tried asking for my information. Then my sister-in-law called me and told me the same thing. In fact, my sister-in-law told me that the lady  XXXX  lied to her and said she needed my new phone number because she wanted to contact me for an interview. She blatantly lied to my sister-in-law to get my phone number. Then  XXXX  called me and left a voicemail, telling me she would take me to court if I did n't give her a call back tonight. I called her back and set up my payment for this week. I then continued to say how upset I was that they reached out to my references who did n't know and did n't need to know I had finance issues.  XXXX  then hurried off the phone in an unprofessional manner.
I cosigned a student loan for my grandson through Sallie Mae. Although I co-signed the loan, his parents filled out some of the paper work and thought that they would be helping him by paying the interest on the loans while he was in school. He graduated XXXX XXXX of this year ( 2017 ) and is currently setting up interviews for a job but, as of this date, is not employed. Since he graduated, his parents thought he would have a 6 month grace period before he would have to start paying back his loans. However, we found out today that is not the case and Sallie Mae expects an interest payment during his 6 month grace period. Unfortunately, since my grandson graduated, his father lost his job and they can no longer pay the interest. I called Sallie Mae today ( X/XX/17 ) and explained the situation to a representative who said he would connect me to the Loan Modification Department but, the call was disconnected. I called back and talked to another representative who was not at all helpful, nor sympathetic and REFUSED to connect me to the Loan Modification Department, so I asked to talk to her supervisor. The supervisor was also not sympathetic and ALSO refused to let me talk to the Loan Modification Department and was very condescending. After searching online to see if there was any options available for their situation, I found a different phone number for Sallie Mae and a quote that saidIf you are experiencing financial challenges, whatever the reason, at the first sign of a difficulty dont ignore it. Call us at XXXX ( XXXX ). We know you dont want to be in this situation, and were committed to working with you to help you get back on track. So, for the third phone call I called this number and, although the representative was at least kind, she said there was not much that could be done. After I complained more, she said she could give him a forbearance but he would have to pay {$150.00} for that and then he would have to begin paying the interest next month. He does n't yet have a job and, although I co-signed his loans, I am retired and can not possibly pay this amount each month either. I asked Sallie Mae if I could pay {$100.00} per month until my grandson got a job and could start repayment, but that was not an option according to them. Additionally, although my credit score is  excellent, his student loan interest rate for each of the four years was between 11-12 % which I did not understand. When I called each year to see if somebody would tell me how they came up with that rate, I was never given an explanation. So, his parent 's paid around {$20000.00} in interest over the four years and they still could n't do anyything to modify his loan so he could take advantage of the so called " grace period '' to begin repayment.
I have resolved this dispute previously and and the collection was removed from my report due to being invalid. I never received notification of this debt, nor agreed to this charge, and this was case was previously resolved anyway! Now it has simply been sold to another collector and XXXX  has not verified nor forwarded any proof of debt either from the original creditor nor the collection company.
I have contacted Transunion to dispute the account  XXXX   XXXX   XXXX   XXXX  because the account is not mines and I was told over the phone &amp; in writing that the account is factual and is going to stay on my credit file. There was no investigation into the matter and basically told  in 5 minute s over the phone there is nothey that they can do and to contact the original creditor.
Wells Fargo personal banking issues -- Personal check had a posting date of XXXX, bank cashed it early on XXXX - Called XXXX customer service, they told me the do not look at the date on the upper right section of the check. Then I asked why is the date on the check to start with then. They said the date was not looked at, if it was blank they would still cash it. Four things make the check legal tender : dollar written amount, numeric dollar amount, signature and date. It seem the are not looking at the date. 

In addition, the check was not made to cash, it was written to a person, fund should have not be pulled out same day. 

-- My point was check was just like cash, the money taken out of account XXXX hours after it was written NJ XXXX banking account # XXXX XXXX/XXXX/XXXX CHECK # XXXX -- {$200.00} They changed me over draft fee and hit my CC for cash on XXXX. On XXXX there was {$1900.00} in the account on XXXX. 

XXXX wound not reverse or push the transaction back to XXXX, saving me the feeds a overdraft protection. 

I am looking for remedies.
Over the last  2-3 years  have had numerous collections accounts appear in my name and social security number on all  XXXX  credit reports fro m 2 differe nt collection agencies,   XXXX   XXXX   and as of lat e, Progressive Financial Services ou t of  XXXX  AZ, representing  XXXX   XXXX  in   XXXX   XXXX   XXXX  OK for I assume, cable services and equipment. I 've never lived in, been to or know anyone in Oklahoma. The same thing has happened to my mom and father. I literally just had an account with   XXXX   XXXX   removed from all  XXXX  of my credit files within the last month. I just checked my credit today and  XXXX  is showing this new account with  Progressive Financial Services. I  assume  XXXX  and  XXXX  will end up reporting this account as well. The reason I 'm filing my complaint through CFPB is because I am emotionally exhausted from having to deal with the collection agencies,  XXXX   XXXX  and all  XXXX  bureaus. I 've already warned the original creditor to remove any current or past due accounts in my name and social security number from their systems or I will take legal action. All together, since  XXXX , there has been 8 collection accounts reported to all  XXXX  credit bureaus under my name and social security number and all of them have been accounts with the original creditor  XXXX   XXXX    XXXX    XXXX  OK. I live in  XXXX  and have for my entire life except for 13 months from  XXXX   XXXX  through  XXXX   XXXX   XXXX  when our family moved to   XXXX   XXXX   to care for my terminally ill grandfather. We moved back to  XXXX  in  Mid   XXXX   XXXX  and have lived here in   XXXX   since. Until this morning, my credit scores were just south of  XXXX . Now my scores have taken a large hit because of these collections accounts. Please do something to stop this from happening again and again.
Discover advertised a free {$100.00} XXXX gift card, if you apply for Discover 's " It '' card and make {$500.00} in purchases in the first 3 months. I fulfilled these conditions as of XX/XX/XXXX, but never received the promised {$100.00} XXXX gift card. I made follow-up inquiries to Discover officials XXXX XXXX, XXXX XXXX & XXXX XXXX, which were ignored. On XXXX XXXX, I called XXXX XXXX office. They referred me to XXXX XXXX in the Executive Office. I had to follow up XXXX with XXXX to get a response. On XXXX XXXX, XXXX said I had not applied for the {$100.00} XXXX gift card, but offered me a {$50.00} credit on my credit card account " as a courtesy ''. On XXXX XXXX, I wrote to XXXX & documented that I had applied for the " It '' card & the XXXX gift card. Discover did not respond for a month. I had to follow up XXXX times by phone & email on XXXX XXXX & XXXX. On XXXX XXXX, XXXX offered me a XXXX {$50.00} credit on my credit card account. Although Discover finally fulfilled its {$100.00} offer in my case, I had to waste many hours, getting them to honor their promise. The facts that ( a ) I had to make multiple follow-ups and ( b ) they issued statement credits instead of sending the promised {$100.00} XXXX gift card suggest to me that this was not a bona fide offer. XXXX web site contains numerous complaints from others who never received the gift card. I believe this deceptive offer violates the " Corrective Actions '' in FDIC 's & CFPB 's Consent Order with Discover on XX/XX/XXXX.
I deposited  XXXX  Cashiers checks in my Bank of America  Checking acc ount on  XXXX  in the amounts of {$21000.00} ( a Bank of America  Cashiers Check  ) and  XXXX  " Official Checks '' drawn on   XXXX   XXXX   in the amounts of {$50000.00} and {$6700.00}. Bank of America put a hold of {$44000.00} on the funds, i.e., the paid {$32000.00} into my account until  XXXX . That means they paid the {$21000.00} Bank of America check and {$11000.00} of the  XXXX  checks. I called up bank of America both on  XXXX  and on  XXXX  and get sent around finally to the  Manager of the Escalation Dept. who was of little help and   described that they were working under Federal Reserve CC. I did look it up and it seems to me since I made the deposit in person they should have the funds available to me sooner than  one  week. I certainly need the money sooner than  XXXX . Can you help me?
This is the fourth complaint against my bank on a XXXX XXXX mortgage which payments started being made XXXX XXXX. This is my fourth complaint against XXXX in failing to report all of my mortgage payments that I have made to them. In which, I have copies of all cashed checks, payments being made on my VA mortgage loan. Once again, I have gotten no resolution regarding errors that need to be fixed by my mortgage loan holder, XXXX Each time I am directed to someone in their home office, I am told they are only going by the file that is sent to them. A bull's-eye report, in which, they believe the information being submitted to the credit bureaus is correct. As you can see, from XXXX XXXX latest facts and findings. XXXX, once again, is not reporting my payments being made as I have since XXXX XXXX. I have been brushed off, not taken seriously and continuing to not see my payments, ALL payments that have been made on my XXXX XXXX loan submitted to the appropriate credit bureaus. Each time, I call XXXX they tell me what they see on their end is all payments being submitted to the credit bureaus, even during the forbearance plan, in a timely manner. However, I have made over several calls to all three credit bureaus. In which, as you can see, XXXX is not reporting nor showing all of my payments that have been made on my XXXX XXXX XXXXoan. I will continue filing complaints, even going in another legal direction, until this issue is resolved.
I was trying to open up a bank account at a bank they told me they could n't open it due to the XXXX so I stated ok i will wait for the letter in the mail. The letter stated that i owe banks money and i could n't open the account until i payed them off. I told them i was a victim of Identity theft and that my name was used in opening accounts in my name.
Loaner vehicle customer got a parking ticket in City of XXXX. Under Georgia law, specifically Georgia code O.C.G.A 32-10-64, ( c ) ( 3 ), this parking fine is owed by the driver of the Loaner vehicle, NOT the owner. We have advised the City of XXXX 's agent ( XXXX ) and this collection agency ( Professional Account Management, LLC ) of this law on three separate occasions. However, they continue to pursue this debt against us instead of the customer that actually is responsible for this fine per GA law.
In XX/XX/XXXX, mortgage lender PennyMac later XXXX XXXX, commenced a foreclosure action against XXXX XXXX and his wife XXXX XXXX. PennyMac claimed it served their son XXXX at their home address. The XXXX do not have a son. In XX/XX/XXXX when they entered a contract of sale, they learned of the foreclosure. The XXXX ultimately prevailed. There was no delinquency of any kind. No missing or late payments. Hazard insurance, water/sewer were in effect and timely paid. ( See attached Order ) The Court gave us permission to Close. The XXXX requested a pay-off letter. The pay-off letter includes " Foreclosure Attorney Fees of {$3400.00}, '' " Contested Litigation Attorneys ' Fees through XX/XX/XXXX {$2200.00} '' " Court Appearances {$4300.00}, '' " XXXX for an Additional Notice of Pendency, '' " Gap Continuation {$40.00} '' " Index Number {$400.00} ( note : and index no. costs {$210.00} ) '', " Notice of Pendency Filing Cost {$35.00}, '' " Amended Notice of Pendency {$35.00}, '' " Amended Notice of XXXX XXXX Recording Fee {$75.00}, '' " Additional Notice of Pendency Filing Cost {$35.00}, '' " Service of Process {$1200.00}, '' " Order of Reference filing Costs {$90.00}, '' " Request for Judicial Intervention {$95.00}, '' " Referee 's Oath ( Estimated ) {$250.00}, '' " Motion to Discontinuation Fee ( Estimated ) {$640.00} '' and Motion to Discontinue Filing ( Estimated ) {$45.00} '' for a grand total of {$13000.00}.
XX/XX/18 a complainant was sent to XXXX XXXX XXXX from CFPB on my behave Complainant number XXXX. As previous stated the debt is not owed. The response from collection company was as follows : " We have contacted the creditor and requested they review their file to verify insurance claims filed and payment received. Also request confirmation of the balance due ''. 

It has been 8 months since the company responded to the CFPB about my complainant and I haven't heard anything from them since. It has been more than enough time for the company to verify any and all information. Therefore, I am requesting that all information about XXXX XXXX XXXX  and any debt reported be removed immediately from all credit reporting agencies.
TO : Whom it May Concern FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, MI XXXX XXXX XXXX, MI XXXX RE : Fraudulent Misconduct by Collections Company SHERMETA LAW GROUP PLLC Case # XXXX, XXXX County File # XXXX Plaintiff : XXXX XXXX, Case # XXXX XXXX XXXX   XXXX XXXX, MI XXXX ( XXXX ) In Reference to previous CFPB complaint 's # s XXXX & XXXX & XXXX 3rd Complaint! They still can not get it correct! 
The Fraud and Misconduct continues by SHERMETA LAW Group PLLC, Third ( 3rd ) complaint! This is with regards to information obtained from the SHERMETA LAW GROUP resolution dated XX/XX/XXXX. Its been 17 days since the refund check has been mailed. Less than 40 miles between the Law Firm and my current residence. Have NOT received any correspondence from XXXX XXXX XXXX! From looking at the response from SHERMETA it has an old address even though my current address is in their files. See included 3 letters each showing correct address from SHERMETA LAW GROUP and XXXX XXXX clearly showing correct current address as was given to both in XX/XX/XXXX. Problem being this, check that issued was supposedly mailed to me on XX/XX/XXXX shows an old address that I have not resided at for almost 2 years! They clearly have my current address! so why is the response addressed to an old address not used for almost 2 years? Why not send it to my current address? Was it really sent? Since so much time has elapsed since moving the USPS does not nor will not continue to forward mail beyond 12 months! Also, I am and have been using USPS Informed Delivery service for the past 18 months and have never received notification that anything from SHERMETA LAW GROUP is in the mail to me at my current Address!

My complaint is that SHERMETA LAW Group PLLC had knowingly sent the refund check to an invalid address while knowing the correct address as shown on the included 3 documents. Continuation of improper handling of legal matters. If check has been submitted for payment it has not been done so by or for me! That it takes, so far 3 complaints, to get items taken care of that are legally, ethically and morarally correct! 
WHAT DOES IT TAKE FOR A SUPPOSED PROFESSIONAL LAW FIRM/COLLECTION AGENCY TO DO AS THEY SAY THEY WILL AND DO IT CORRECTLY THE FIRST TIME! 
The resolution I would like ( Expect ) to see is the return of the full amount ( {$520.00} ) of the Michigan Income tax refund Garnished to myself AT MY CURRENT ADDRESS ( see above for address ), since this is the resolution expressed by SHERMETA LAW Group PLLC in the previous complaint in a timely manner. If check has been submitted for payment it was not done by me or in my behalf and request a NEW check be reissued for the amount of {$520.00} USD be mailed to me at : XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, MI XXXX in a timely manner.
There was an account opened in 2012 with XXXX that is showing as an adverse account on my credit history. I have filled several disputes with both Transunion and XXXX XXXX. Neither of which have been able to resolve the issue. XXXX XXXX can not even locate an account in my name and so therefore has " no way of filling a dispute '' or helping me resolve the issue. The XXXX info listed on the Transunion report has no phone contact, so I mailed a letter to the address provided and have still not received a response. I had an Mor furniture account with them years ago that was paid in full, on time. They accrued some additional charge that supposedly was left unpaid and sent to collections. They resolved the issue as it was an error on their part, but it is still ruining my credit.
I will like to make a complaint against nation star mortgage, my mortgage originated with XXXX bank who sold my mortgage to nation star. In XXXX, I received my escrow analysis saying that mortgage escrow shortage which was a total of XXXX more a month when I called them they could not explain to me the reason for the dramatic increase in my escrow. I also mentioned to them I switched insurance which was cheapier then the prior year and I asked for another analysis. They told me it would be completed in a week to call back. I called back to follow up with them a week and half later and they said they still did not have the analysis ready to call back in two weeks. I called back in two weeks and they brought the escrow shortage down to XXXX something a month. I asked them to explain to me what happened to increase it by so much and still have not gotten an answer. XXXX XXXX taxes are XXXX a year and insurance is XXXX a year. I feel uneasy about this situation being that no one can clearly explain to me why the increase is so much.
Debt has been paid and closed through XXXX. For some reason it has yet to be removed from CHexSystems
Purchased XXXX XXXX XXXX XXXX from XXXX XX/XX/2018 for charges to XXXX Credit Card : {$60.00} - XX/XX/2018 ; {$39.00} - XX/XX/2018 ; {$39.00} - XX/XX/2018 ; {$39.00} - XX/XX/2018 ; {$39.00} - XX/XX/2018. 
These amounts were initially charged to my XXXX Credit on XX/XX/2018, respectively, and on XX/XX/2018, for remaining four equal charges. 
These amounts were refunded directly by XXXX XXXX not the creidt card ) to my XXXX  XXXX   account on XX/XX/2018 for the first charge, and XX/XX/2018 for remaining four equal charges. 

XXXXXXXX XXXX has received these refunds, however the charges were not deducted from my XXXX XXXX  account, not crediting them back to the merchant, XXXX, as I requested numerous times. As well, I requested an itemized statement be sent to me via XXXX mail of what was done with the refunds received by XXXX XXXX, via phone requests, as well as a faxed request on XX/XX/2018, as I was directed by the XXXX, XXXX XXXX, to do ( fax # XXXX ) in order to receive my request via XXXX mail. 
I have Not received the requested itemized statement via XXXX mail. As well, XXXX XXXX has not removed these charges from my XXXX XXXX account and has in fact moved them to be paid by XX/XX/2018 as a promotional purchase. 

I am paying my XXXX Credit Card for the purchase of this item and XXXXl XXXX  is still charging me for the item as well. XXXXXXXX XXXX  has not applied the refund back to the merchant, XXXX, from which the purchase was made as requested.
Upon looking at my credit file in XXXX of XXXX, I realized there was a collection being report to XXXX   in the amount of {$3400.00} by a company called Perfection Collection. The company said the debt was opened on XX/XX/XXXX This debt is most certainly not mine, and I'd like the matter resolved and removed from my credit file.
I got behind on my car payments and I notified CapitalOne on XX/XX/2018 that I was unable to make a payment on XX/XX/2018 ; however, I could make it on XX/XX/2018 via debit card since I got paid on 09/14/2018 and that I would also make a payment on XX/XX/2018 when I got paid again. This conversation was on a recorded line and in the company notes and approved by the representative I spoke with ; however, they repossessed my car at work on XX/XX/2018. When I called them 2 different people at CapitalOne confirmed that my payment arrangement for XX/XX/XXXX was noted in their system, but somehow it got deleted. 

They are now telling me they have to research the issue to determine if they made a mistake and obtain management approval. It could take 3-5 business days to resolve the issue. I am stranded without a car and have no way to get my personal possessions out of the car or get to and from work. My garage door opener is in my car so I have no way of getting into my house. I have taken on a 2nd job to get caught up and now I won't be able to work that job this weekend either. They are also saying if they determine that they were right in repossessing my car, I will have to pay the past due amount, late fees, and a repossession fee of {$520.00} within 10 days or my car will be sold.