WillisBack/dataset-financial-user-claim huggingface dataset:
When I first applied on XX/XX/XXXX for this loan with XXXX, I was only looking to get $ XXXX- {$1500.00}. I received a number of emails saying that I was approved upon the company receiving documents from me which was my ID and Social Security card copies. I have paid this loan on time from XX/XX/XXXX of {$240.00} then my payment amount changed to {$290.00} on XX/XX/XXXX and remains the same amount as of today, XX/XX/XXXX. 

The loan amount that XXXX XXXX, Loan Agent, Direct : XXXX, Email : XXXX said I would need to agree to in order to qualify for a loan was in the amount of {$2500.00} for a term of 47 months and this loan carries an interest rate of 135.00 % and an APR of 139.12 %. 

As of today, XX/XX/XXXX my payoff amount is {$2700.00}. This is the pay off amount even after making every single payment on time since XX/XX/XXXX, but my XXXX Settlement Contract shows today XX/XX/XXXX would be my 24th payment on this loan at the monthly payment amount of {$290.00} and {$20.00} going towards the principle and {$270.00} going towards the interest of the loan with a payoff amount of {$2400.00}. My settlement principle payments are not being applied to my loan as the XXXX states in the Settlement Contract which violates the contract. I was told I HAD CONNECT MY BANK ACCOUNT for automatic payments. 

I feel very scammed and seriously taken abuse of. XXXX sent me a copy of my credit report on XX/XX/XXXX at XXXX PST before distributing the funds to my bank, so they could clearly see ( 38 - SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED, 19 - TOO FEW ACCOUNTS RATED CURRENT. 15 - INSUFFICIENT OR LACK OF BANK REVOLVING ACCOUNT INFORMATION. ) XXXX also sent me a Risk Based Pricing Notice on XX/XX/XXXX at XXXX XXXX PST that did not explain or show me anything pertaining to me having to pay higher amounts or stipulations because of my credit score. The email only stated information from XXXX that stated " What should you know about your credit score. '' I am unsettled with the reason XXXX   provided/approved/extended a loan offer to me with such unreasonable stipulations. By XXXX reviewing my credit history they could clearly see that I would be unable to pay this loan off even as I make my monthly payments on time at the amount that they have set. 

I believe that I was racially targeted and being a low-income individual with very poor credit made me a target for in-proper finance terms. I was unemployed at the time I applied but was advised by XXXX XXXX XXXX that he would use my previous employment information to qualify me for the loan after I explained to him that the loan was very much needed for emergency purposes. I should not have been approved for this loan unless the Lenders purpose for extending/offering the loan to me was purposely unethical and illegal financial benefits for the Lenders purpose and gain.
I ordered multiple items from XXXX and there was a problem with their system that day so I had to call to speak to a customer service representative. When she processed my order she put in the wrong street name even though it was already correctly in on my account online. I later received an email and noticed that the street address was wrong and called to correct it, it was never corrected even though I made several calls to ask them to correct it. All the items were shipped out to an undeliverable address and the items I ordered for XXXX, On XX/XX/XXXX, were not going to make it here for XXXX. I was told I could reorder them, but they would not credit my account until after 10 days. I was also told it would cost me more money at this point. I asked to cancel the order. I never received the items. For some reason two items were sent here I went to a XXXX store and tried to return them, but when the clerk tried to return them it said that I was already credited for them. She then shipped them back for me and XXXX only credited me for one of them! I have literally spent hours, at least 6 on the phone with XXXX customer service. Sometimes I have been put on hold only to be hung up on after holding for over 30 minutes. I have been told the charges are all removed yet there is still a little over 29.00 on my account. I did not receive any items but the two necklaces and I returned them both so there is no reason for there to be a charge. I returned these items on XX/XX/17 so I can not understand why XXXX cant get this resolved by now. Its outrageous. Ive also asked they close the accounts but havent. I have cut our cards up thinking the account was closed and this was resolved as they told me it was, but now that it isnt they wont give me my account number
I began meeting with Bank of America 's mortgage loan officer, XXXX XXXX on XXXX XXXX back in XXXX, It has been a constant XXXX calling her and her never returning my calls. She has all my information and the customer service Bank of America gives is absolutely horrible. A common courtesy call saying she can not help me is something I believe you need to teach your customer service. I have also spoken with XXXX the branch manager who promises me I will get a call back but that does not happen. I am very dissatisfied with Bank of America and am sorry they hold my mortgage. I believe XXXX XXXX should realize how these people are representing the company.
I am a customer of Navient. Approximately 3 months ago, my student loan payment was lowered approximately {$15.00} without my consent. While lower payments would normally not be something to complain about, I just found a letter from Navient informing me that this would result in " now hav [ ing ] more time to replay the same loan balance resulting in lower monthly installments but the overall cost of your loan will increase. '' I then attempted to go on Navient 's website and adjust the monthly payment myself but it is literally not possible to do that. The only way to change the payment is to call. I then called and the representative tried to give me a different payment that was " automatically calculated. '' I then told her exactly what I wanted my payment to be and she said she would have to speak to someone else because you ca n't just pick the number you want. After some back and forth ( and complaining ) I was able to get the payment I wanted. 

This seems to be a not so subtle way for Navient to increase the interest they collect on loans. Again, I did not ask for my payment to be lowered and I have no negative activity on my account that would change my status with them. I am not sure if this is common practice but it seems, if not illegal, extremely disingenuous. I do understand they sent a letter informing me of the change, but I also think we can agree that most are not likely to read the letter and/or note the implication.
Harris & Harris makes repeated phone call daily to my cell phone : XXXX phone calls on XX/XX/2017, XXXX phone calls on XX/XX/2017, XXXX phone calls on XX/XX/2017, XXXX phone calls on XX/XX/2017
SunTrust Mortgage reported my XX/XX/2018 payment late to credit bureaus. The payment was late because XXXX XXXX XXXX had put a freeze on our checking account that resulted in automatic cancellations of all bill payments. We did not know about this freeze as, apparently, the bank had sent a physical letter to our old address requiring some documents. Since we never received this letter, we could not provide them the document they needed. SunTrust had the address wrong when they initially tried to contact us. They never called us to alert that the payment was late. We had never been late on our mortgage payment before. Now when I tried contacting SunTrust mortgage, they required a letter from XXXX XXXX  XXXX that the account was frozen by bank and it was not us who cancelled the XXXX payment. We have provided them whatever information is available to us to prove that it is not our mistake that XXXX XXXXXXXX XXXX cancelled our payment without our knowledge. When we first talked to XXXX XXXX at SunTrusts credit dispute department, he confirmed that he will remove this late reporting because it was not our fault. Apparently, XXXX never reported to have this late note removed. We have talked to several representatives at SunTrust to no avail. I am attaching the document that was sent to SunTrust in explaining that late payment was not our fault. SunTrust refused to accept that bill payments were cancelled by XXXX XXXXXXXX XXXX without our consent. I have talked to several representatives at SunTrust including XXXX XXXX, XXXX, XXXX and others with no help.
XX/XX/2016 on of our newly opened business account was " taken over '' and over {$10000.00} was stolen by a thief by the way of ATM, department store purchases and in branch cash withdrawals of various amounts not exceeding {$2500.00} at different branch locations. 
A Banker helped us open a claim with WFB and was able to retrieve the money stolen from our account through the ATM. However, WFB rejected the in-branch cash withdrawals totaling {$9400.00}. 
For 6 past months I 've been told by the Banker that this is a mistake and that claim would be re-opened and re-evaluated. But no progress has been made. 
All requests to the supporting documents such as photos/videos used by WFB to reject our claim have been stone walled. 
The bankers do n't take our calls or return our messages. I spoke directly to the claims department and they said they will let me know 'if ' ( yes I confirmed they did say 'if ' ) the documents were available and that they do n't necessarily need to have documents to reject a claim.
Capital One refuses to give me a lower Annual Percentage Rate on the interest on my credit card account which is currently at above 22 %. I have been a very good customer, made all my payments on time for one year, and will continue to make on time payments in good faith. I strongly feel that I am being treated unfairly due to a particular charateristic in my profile. When I initially made the request with a customer service representative over the phone, it took them less than 5 seconds to basically say no to my kind request, which leads me to believe that they are not truly giving customers fair treatment, and whatever criteria they are using to make these decisions is discriminatory.
I have been charged with a fee of XXXX dollars to cancel the account at Creditrepair.com. During the sign-up process, the telemarketing agent did not mention any activation fee of {$99.00} ( I was told it is monthly subscription fee ), but now when I asked to cancel the account they came up with the idea that it is in the contract and that is how they do it. Please look into this issue and let me know if you need any more information.
TransUnion is reporting negative information on my credit report. I have taken the necessary steps to dispute the information with the credit bureaus and have requested verification that this account belongs to me from the data furnisher ( letters of request are attached ). I 've sent a letter to TransUnion on XXXX XXXX, 2016 and another follow up letter on XXXX XXXX, 2016. I 've also sent letters to the data furnishers on XXXX XXXX, 2016, and again on XXXX XXXX, 2016. To date, they have n't provided me the requested signed contract, actual documentation or verification that this account does in fact belong to me. I 've researched the FDCPA & FCRA and found out that it is the responsibility of the data furnisher to provide the consumer with all the proper documentation when requested. They are violating the FDCPA/FCRA! I 'm hoping you can help me as my next step and only other option will be to solve this through legal channels.
As of XX/XX/XXXX I have been seeking help from my bank .SELECT PORTFOLIO SERVICING, the process was back and forth with documents. During the process, every time I follow up over the phone, representative says that I am not qualified because I have done a modification before and could not do it again. After a year XX/XX/XXXX received a denial letter showing NPV. 
This year my husband got laid off and all we are seeking is for us to start anew from our behind payments. Started processing application on XX/XX/XXXX and same thing.. 
1 ) Documents processing is too long..Thought processing take only 30 to 45 days. but asking back and forth for documents2 ) sent all the application together with the attached documents, bank statements, pay stub, tax return and others. Calls to verify if threy received..said yes but everytime I call to verify or follow up once a week, a new documents needing again. Asked to process because im afraid theres an expiration to each documents categories. My account manager said " NO '' theres no expiration. Then talked to another representative, ,yes there is an expiration. I am still sending documents here and there. Theres a lot of things happen 8 months. Within 8 months they still asking for documents. Last one is the statement..they said that I have not circled my income within the statement. But I circled it previously, keep sending it until wait again for another expired document ... .then theyre going to ask to send again. 
please..all im seeking is an answer and help. These faxing back and forth is a time consuming and its expensive per document. Please help.. bank statement will expire in another month..and pay stub will expire in one week..and no answer yet. All I receive a call is when they ask for documents to resubmit or say it expire. I hope to hear from you soon..
As of XX/XX/XXXX of XXXX I XXXX XXXX have not been able to reach a resolution to significant reporting errors within my consumer reports provided by XXXX and reported by Wells Fargo Bank NV NA and Wells Fargo Home Mortgage. 

Wells Fargo Bank NV NA is reporting a Home Equity Line of Credit ( Revolving ) ( I never had an Equity Line of Credit with Wells Fargo, only XXXX XXXX  ) discharged through Chapter XXXX Bankruptcy, I had filed this Chapter XXXX bankruptcy on XX/XX/XXXX, confirmed on XX/XX/XXXX and completed and discharged on XX/XX/XXXX. 

However this account as well as several other accounts were not allowed or were not part of this or any other bankruptcy ( see included documents ). Wells Fargo Home Mortgage is reporting that the account in question is open and past due 180 days. The debts in question were settled or paid on XX/XX/XXXX in the sale of the property in which the Wells Fargo Bank NV NA Home Equity Line of Credit ( Revolving ) ( I never had an Equity Line of Credit with Wells Fargo, only XXXX XXXX ) and Wells Fargo Home Mortgage Conventional loan were associated with ( see included documents ) and again this was not part of the Chapter XXXX bankruptcy or any other bankruptcy. 
I am asking the CFPB to assist in getting these issues resolved as they are preventing me from gaining a fair rate mortgage on the property I am currently residing in. If a resolution can not be reached within thirty ( 30 ) days of this complaint being submitted by the CFPB to the named parties or this complaint is closed without significant and meaningful response from XXXX and or Wells Fargo Bank NV NA and or Wells Fargo Home Mortgage, I will be forced to take legal actions under the FCRA and FDCPA laws and regulations including but not limited to damages, injuries and or financial burdens occurred. Since I have made several attempts to resolve these issues with XXXX, Wells Fargo Bank NV NA and Wells Fargo Home Mortgage, I am only to assume that this is a willful intent to disregard or ignore my previous complaints. This is my final notice to XXXX, Wells Fargo Bank NV NA and Wells Fargo Home Mortgage in regards to these specific complaints before taking legal action. 
Included with this complaint is my bankruptcy creditor ( s ) allowed schedule, letter of discharge, Release of Mortgage, Closing Disclosure, Credit report ( s ) with discrepancy in reporting, letter of payoff or paid in full and no balance due, previous correspondences with XXXX, Wells Fargo Bank NV NA and Wells Fargo Home Mortgage also included is XXXX, Wells Fargo Bank NV NA and Wells Fargo Home Mortgage responses to the aforementioned correspondences and this formal complaint letter.
I was informed that attempts were made to serve me with documents but attempts failed. That I am being sued for an outstanding debt with XXXX. I contacted XXXX and they have no record of my name, phone number or social security number. I was sent to different departments at XXXX to investigate this thoroughly. Next communications with XXXX at Weinman Acquisitions lasted for 7 minutes ( XXXX ). During this call XXXX became agitated and frustrated with my questions for clarity and requests for documentation of this debt. He said he could email me the documentation and I gave him my email address which he then read back to me correctly. After an hour passed without receiving the document I called Weinman Acquisitions again and spoke with XXXX. He informed me that the file is out of his department and he sent the request for the email in but that 's all they can do. I told him he never told me that the email was a request. He said it would be sent to me. This agitated him more and I told him I was n't understanding and he said that he got that. He became condescending and hung up. I called multiple times to get the information I needed until he finally passed me on to someone who said I would receive an email in ~20 minutes. It has been 24 hours and I have not received any emails. At no point did they request my mailing address to send me documents, nor did they disclose an amount.
I paid a contractor {$10000.00} using my XXXX AMEX card for services that he was supposed to finish. We had a signed contract that the work would be done, I can furnish that contract. The contractor never finished the services, but he tacked on an additional {$300.00} " credit card fee '', so the total I was billed was {$10000.00}. I called XXXX/AMEX to stop the charges. I sent XXXX photos of unfinished work, as well as copies of the contract, but XXXX/AMEX did not refund my {$10000.00} and paid it out to the contractor in spite of our many pleas.
Sears Credit Card ( Citi Bank ) with their interst rate. I will never be able to pay. {$220.00} times 2. on XXXX17. and it also affects my credit scores. BEST Buy (. CITI BANK ) INTERST RATES THERE ARE WAY TO HIGH.
On XXXX XXXX I opened a checking account at M & T Bank. This account was supposed to include a {$200.00} bonus at the end of 90 days with direct deposit. After XXXX emails and a phone call I was sent an email on XXXX that I would be receiving {$200.00} in my account on or before XXXX. I never received the bonus so I sent another email. On XXXX, XXXX, I received anther email that they were looking into the matter. They are clearly stalling and I suspect fraud. I am sick of this back and forth stall. I want this settled now.
Wells Fargo is having a representative with a furniture company who is misrepresenting the terms of the finance agreement. We were told the terms were no interest for one year and after a year interest on the remaining balance. So after a year we were charged interest on the balance we had already paid. I am sure it is in the small print, but how can they have a third party define the terms when they benefit from the purchase.
After going thru hardship due to identity theft and deceptive practices as reported to the Federal Trade Commission and my local police attached. I contacted XXXX XXXX to pay my standing debt off as good faith. I've spoke to a representative regarding payment in return for deletion of negative rating on the 3 credit reporting bureaus. which was agree so on XX/XX/XXXX i paid full balance owed. however i undergone Double Enrichment because as stated by XXXX XXXX on my account I've made payment after charge off / collection settled. also discover has failed to report accurate balance i ask for verification of all bills, a physical signed agreement contract baring my signature and proof of my photo I.D . although in good faith to clear my name and credit reputation the bill has been in fact paid in full by me all I've asked XXXX XXXX is to deleted this negative mark from my credit as agreed when payment was given. even after I've tried multiple time to write good will letter explaining my hardship due to identity theft yet nothing has been resolved. I was told by the Federal Trade Commission to submit proof to all potential affected creditors a copy as proof i was in fact a victim of Identity Theft and Deceptive practices. i think that its unfair that XXXX XXXX can hold a honest XXXX, XXXX Veteran, Father, citizen and Consumer back from achieving good credit rating to purchase a home for my family.
My parents entered into an arrangement with XXXX XXXX XXXX to pay off credit cards used to pay for my mother 's medical expenses. My mother passed away in XXXX 2015. In helping my father determine the agreement with XXXX, including the contract length, the payment arrangement, and the status of the debts associated with the contract, it has come to my attention that this company operates in a deceptive manner. The company takes the obligors monthly payment, does not contact the creditor until XXXX believes they can make some sort of settlement with the creditor. During that time, the representative told me they are well aware that the obligor 's creditors continue to charge late charge fees, increased interest rates, etc. Even though my father had notified them of my mother 's passing, XXXX failed to contact any of the creditor 's to determine if the accounts were in my Mom 's name or Father 's name. My father had enough money in his XXXX Account to settle the debt, but until I called they had not contacted the XXXX remaining creditors.
I feel I am the victim of credit discrimination by HomeBridge FinancialServices doing business as Real Estate Mortgage Network. Theiraddress is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX. 
The contact information of the account executive is XXXX. 
I applied for a home mortgage with this company and received a loancommitment from them on XX/XX/XXXX. I am a single divorced womanreceiving child support from my ex husband under a XXXX divorcedecree which provides for monthly child support which, under XXXXlaw, is to continue until my youngest child is XXXX. Currently my youngestchild is XXXX years old so the child support will continue until XX/XX/XXXX. 
Item XXXX of the commitment listing conditions for underwriting states '' Provide continuance of child support payments, such as the childrenfor whom support is being paid or the duration. '' I have provided thisinformation to the lender. Nevertheless, the lender has refused toapprove this loan because it will not consider the child supportpayments despite the divorce decree and citation to the XXXXstatute which describes the duration of the child support obligationas being until the youngest child reaches age XXXX ( with certain exceptionsnot applicable here ). I now risk losing the house that I was scheduled toclose on last week and if I need to move out of my current rental Iwill not have a place to live. I feel that this action by the lender violatesthe Equal Credit Opportunity Act ( Regulation B section 102.6 ( b ) ( 5 ) andalso constitutes discrimination on the basis of sex and marital statuswhich is prohibited under XXXX law ( where I now reside ). XXXX. 
General Statutes section XXXX. I should also point out that myex-husband has been paying me child support on a regular basis, inaccordance with the court order, for the past 6 years. He is an XXXX XXXXveteran and currently a XXXX employee who has a secure income. Thelender asked me for 6 months proof of timely child support paymentswhich I provided. If this lender is doing this to me, I fearthat other divorced women receiving child support might bebeing treated in a similar way. If you can get the lender to quicklychange their position, I can still close on the house I wish to purchasefor myself and my children. 
I also want to point out that on XX/XX/XXXX I received a revised list ofitems required to close the loan and there is nothing on that listthat refers to child support documentation.