WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a used car from a dealership on XX/XX/XXXX. They financed me through Wells Fargo with high interest rate ( 13.99 % ). My credit score was good, in the XXXX. Dealer talked me into buying gap insurance ( {$800.00} ). I felt pressured and gave into the deal. Few weeks after I realized that I dont need no gap insurance. I went back to the dealership on XX/XX/XXXX to cancel the gap insurance. According to the dealership, they had sent a refund check to Wells Fargo in the amount $ 700+. Weeks have gone by with no noticed or anything from Wells Fargo. So, I called Wells Fargo on XX/XX/XXXX to check on the status of the gap insurance cancellation. They told me that my gap insurance is still active. I called the dealership where I purchased the car and told them what was going on. They emailed me a copy of the amount they sent to Wells Fargo. So, I waited for a few more weeks for Wells Fargo to send me something in the mail regarding gap insurance cancellation. NOTHING! I went into one of their local branches ( XX/XX/ ) to see if anyone can help me shed some lights on the matter. Luckily I got the branch manager helped me with the situation. He called and talked to the auto loan dept and learned that they had already received the refund check of gap insurance cancellation from the dealership. Furthermore, they will process and issue a refund of the due amount to me in 7-10 days from the day of the phone call. 7-10 days came and gone. Still waiting ... NOTHING! I received a phone call from XXXX ( XXXX, ext XXXX ) from the office of the president. That was what they called it. He said that hell look into it and call me back. About one week has passed since I spoke with XXXX. He didnt call back. So, I called him back but they said he was not avail to take my call. About a week later XXXX called me back ( Tuesday XXXX ) and stated that its typically takes about 45-60days for them to process a refund. However, he was able to get hem to speed up the process and that I will receive my refund on Thursday of that week. Thursday came and gone. NOTHING again. Still waiting ... 
Second issue with this loan. 
I made the first payment of $ 500+ then refinanced with a more reputable establishment. However, the amount refinanced was more than what I paid for the car originally. There was no extra fees charged during refinancing. Wells Fargo couldnt tell me where that first payment went. Theres nothing transparent about this car loan with this bank. Im so tired of the run around they gave me. I need help to get to the bottom of this case PLEASE.
I was charged late fees by my mortgage company after they claims that with my correct bank account number and routing number, they failed to " recognize '' my account. I have received an email confirmation for the payment that the fine was charged on, and yet without another email notifying me that they failed to charge me ( for the same charge that they confirmed! ), they charged me a late fee instead. I sense a borderline fraudulent practice to profit from customers by fees.
NEW COMPLAINT On XX/XX/XXXX, XXXX XXXX XXXX installed an incorrect windshield in my car. I gave them a check for {$100.00} for the deductible. In resolving the issue, the XXXX representative recommended I cancel this check. However, this was not adequately communicated within XXXX and they accidentally sent it to a collections agency, XXXX XXXX debt collection. When I returned a voicemail from XXXX XXXX, the representative would not listen to my explanation, told me she was submitting the case to collections and hung up on me. She would not return my repeated calls. Concerned, I submitted the first complaint to the CFPB and XXXX XXXX 's response on XX/XX/XXXX was " We have been advised by the creditor to remove the account from collections. This will not affect the complainant 's credit. '' However, on XX/XX/XXXX, XXXX XXXX  in fact submitted a " New Collection '' on my credit report. I filed a second complaint on XX/XX/XXXX and their response was " We sent a notice to delete the trade line from consumers credit report today. '' As of today, XX/XX/XXXX, the New Collection still appears on my credit report. Please remove this item as soon as possible.
On XX/XX/2017, I spoke with Wells Fargo Mortgage XXXX XXXX XXXX XXXX ext. XXXX regarding my additional principal payments being intentionally delayed ( and held in " unapplied funds '' by Wells Fargo ) due to their systems limitations, despite clearly indicated markings in writing ( and online ) showing the funds are intended as Additional Principal Payments or Principal Payments. I have had multiple experiences in the past year where my additional principal payments have been wrongfully held in " unapplied '' status, despite these payments being clearly marked in writing as " Principal Payments '' or " Additional Principal Payments ''. The aggregate of these wrongful delays in applying principal payments over the length of my 30 year mortgage could result in thousands of dollars of profit to Wells Fargo in the form of accruing interest. In filing my complaint, Wells Fargo Mortgage was dismissive of my complaint, while defending their payments systems inability to accept multiple principal payments in one day. Wells Fargo Mortgage also admitted that while my principal payments are in " unapplied funds '' status, that I do not earn any interest on those " unapplied funds. ''
On or about XX/XX/XXXX I purchased a car and received financing through XXXX XXXX   XXXX  ( XXXX ). I signed a 72 month contract with a finance rate of 18.95 % and monthly payments of {$880.00}. During the course of the loan I was allowed a total of 8 deferments, which I was informed there would be no penalty and the deferments would extend my loan as they are placed on the end of the loan. My original maturity date was XX/XX/XXXX but due to the deferments matured in XX/XX/XXXX. Towards the end of the loan I received a statement which led me to call the finance company and inquire about the balance. I placed this call on or about XX/XX/XXXX and was informed that due to the deferments I had an outstanding balance of approximately XXXX XXXX. During this call I was told that the deferments caused me to accrue an outstanding interest balance and that is why I still owe on the car. On that same day a payment history was emailed to me and I was reminded that, according to the contract, this is a simple interest loan. The representative attempted to explain the situation and stated that the interest on the deferments accrued over time, but every time I reiterated what he explained he would say I did not understand how simple interest loans work. So I researched the definition of simple interest loan and studied my payment history for further clarity. On XX/XX/XXXX the starting balance was {$37000.00} and first payment of {$880.00} was made. Only {$5.00} was applied to the principal and {$870.00} was applied to interest. Apparently, there was a miscalculation from the very beginning. The applied interest should have been approximately {$580.00} and the remaining {$290.00} should have been applied to the principal. Throughout the course of the loan, there were a total of 9 payments made where {$0.00} went towards the principal with one time being 4 consecutive payments. This is partly the reason I have an outstanding principal balance. In fact, the history shows random and sporadic interest charges, most times inflated. In one instance, on XX/XX/XXXX, after over 3 years of paying on the loan, only {$6.00} was applied to the principal. According to the definition of a simple interest loan, the amount applied to the principal will always increase and the amount applied to interest decreases as the loan matures. This is not reflective in my payment history. As stated in a letter provided to me on behalf on XXXX on XXXX XXXX " the interest accrued is based on the outstanding balance. '' I am unsure how they calculated the interest because it does not coincide with the outstanding balance and an interest rate of 18.95 %.
Continued to call my place of employment which is a federal office. I have instructed MCM clearly to never call my office yet they continued to do so. They 've also purposely placed a false address number for our home so that a neighbor would receive the mailing by mistake to instill embarrassment. We 've instructed our correct address many times but they refuse to change it due to their well known and previously documented illegal collection practice. We 've also requested multiple times to send a detailed history of payments and balance. They have refused and claim they are not required to send a complete history of the account.
Navient has been calling my relatives and they even called our next door neighbor to talk about our student loan debt trying to contact us.
I am not receiving a statement of any kind for our mortgage. Have contacted their customer service dept by phone and email the last few months but have been unalble to get the matter resolved. Not sure if they are being deliberately obtuse or are just poorly trained/uninformed. Would appreciate any help you can give us to resolve the matter. I do n't like paying my money but not having any info on how that money was applied!
A mortgage for my apartment with Citibank was open until  XXXX . The mortgage had an escrow account. Citibank has refused to send me statements for the escrow account.   Under a letter of authorization in  XXXX  all my statements were to be sent to me.    Citibank  sent selected mortgage documents but did not include escrow statements. I phoned citibank and they promised to remedy their omission. However, they have not done so. A letter from a lawyer to an accountant shows the existence of the escrow account as it includes a copy of the escrow analysis  XXXX  which corresponds to the mortgage  XXXX  I include :  1.  citibank letter  XXXX / XXXX / XXXX , the mortgage documents produced to me per letter of authorization, signed  XXXX   XXXX   2 .  Letter  XXXX / XXXX / XXXX  from  XXXX   XXXX   XXXX  transferring documents to  XXXX   XXXX , accountant, for the mortgage on  XXXX    XXXX    XXXX   XXXX , entry  XXXX  " Copies of the annual Escrow Analysis for the CitiMortgage dated  XXXX / XXXX / XXXX  and a CitiMortgage statement dated  XXXX / XXXX / XXXX  ''
I 've pulled my property tax information from XX/XX/XXXX-XX/XX/XXXXfor county & city taxes. The property in question is XXXX XXXX XXXX XXXX Tennessee XXXX. I began purchasing the home XX/XX/XXXX. I paid taxes on the property. The parcel ID number is XXXX. My name have been removed. Someone name XXXX XXXX XXXX & XXXX XXXX is listed. It shows the owner lives at XXXX XXXX XXXX XXXX TN XXXX. I pulled my tax information for XX/XX/XXXX, my name was listed at the time. The address on the print is XXXX XXXX XXXX XXXX XXXX. XXXX TN XXXX. County taxes. City taxes shows my address as XXXX XXXX XXXX XXXX Tennessee XXXX. The city taxes. The XXXX Family was deleting my history. XXXX XXXX XXXX XXXX also deleted my information, because the company amended & restated my XXXX tax return & sold my home. This was done through IR5. In XX/XX/XXXX I reaffirmed my home at XXXX XXXX XXXX through the bankruptcy court. This was done with Tennessee Housing Authority. The case number is XXXX. XXXX XXXX XXXX poses as a para legal, she had access to the court data base. The XXXX XXXX XXXX pressed charges against XXXX for theft. All of my deed numbers have been deleted from the property assessor data base. Deed number XXXX, XXXX XXXX, XXXX XXXX First Family, XXXX Tennessee Housing Development Agency, down payment assistant. IRS have my original loan, because no one can access their data base to delete information. From XXXX the property was in my name. XXXX XXXX XXXX XXXX amended and restated my tax return in XXXX and sold my home. The company amended all of my tax returns from XXXX. With all these fraudulent transactions no-one reported taxes to IRS. While I was under wage earner the loan I had with XXXX XXXX XXXX was refinanced XX/XX/XXXX. The new loan number is XXXX, the company is XXXX XXXX XXXX. Interesting statements was reported to IRS. It was reported as XXXX XXXX XXXX XXXX XXXX XXXX. I paid this company through the courts and was discharged XX/XX/XXXX. Payments were payrolled deducted. Case number XXXX was discharged XX/XX/XXXX. The original loan number with First Horizon is XXXX. There is property in Texas. XXXX XXXX have been manipulating records, changing dates, etc. Mortgage Intrest statement was reported to IRS by First Horizon. First Horizon Home Loans XXXX XXXX XXXX. XXXX TX XXXX. This transaction was made in XX/XX/XXXX. There was a lot of fraud that has transpired. I do n't know when the fraud began. The wage earner courts have my payments made to First Horizon. First Horizon claims my XXXX XXXX child power of attorney was used. This child is a XXXX XXXX. I would never use him to make any type of transaction. First Horizon reported Interest statements to IRS for XXXX XXXX XXXX in XX/XX/XXXX. This is the year XXXX XXXX XXXX XXXX amended & restated my tax information. {$53000.00} of my employee owned stock was used to sell my home through IRS. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kentucky XXXX was reported to IRS. I need/want an explanation. IRS want an explanation also. The city of XXXX want an explanation. The wage earned courts want an explanation.
The reason I am asking for help is because : every month I buy a XXXX cashier 's check to pay the monthly rent, directed to the Realty company, and on XXXX XXXX 2016 I was made aware by the Realty company that they had not received a check i had submitted on XXXX XXXX, 2016. Immediately I went to XXXX to find out what had happened to the check and I was provided with a copy of the cashed check for XXXX dollars ( cashed in a Capital One BANK ), and in the copy the check is without endorsement and appeared as if it had been ripped. I called the Realty company and send them the copy so they could confirm that in fact it was not them that cashed the check. After confirming that they did not cash it, on XXXX XXXX, 2016 I started the process of a claim for the check that was cashed without endorsement, for clarity, the check was bought at XXXX but cashed in Capital one bank. I was given a period of 120 days for resolution and during these 120 days I have been calling XXXX twice a week with no update except for XXXX saying that they have emailed capital one 8 times and have received no response. When I asked if there was anything they could do, they mentioned that they could not " force '' capital one into responding and I simply had to wait. They also mentioned that upon the completion of 120 days the claim would be closed with no resolution and that I will lose my money. I still have had no answer and I have been very upset because the reason I buy a Cashier 's check is because I thought that the check could not be cashed by someone who it was not payable to and definitely not without an endorsement, I also thought that the funds were secured and I do not understand how it was cashed by Capital one bank without endorsement, and howcome Capital one has not responded back to the Claim I have with XXXX.
XXXX XXXX XXXX keeps reporting to all three of my credit bureau 's that I never paid my medical bill and reports that I made partial payments recently. I have proof that the bill was paid in XX/XX/2016 to XXXX XXXX XXXX in my credit card statement attached and it was made once in the amount {$820.00}. XXXX XXXX XXXX agreed to give the money to XXXX XXXX XXXX the medical bill money, but illegally pocketed the money and did not pay the hospital as agreed in their recorded phone call conversation with me. They are trying to extort money additional money and followed through in there threats to consistantly report to the credit beareau agencies that I never made the payment. They recently have reported to my credit bureau 's that I never paid the {$820.00}. The XXXX XXXX XXXX sent the bill to XXXX XXXX XXXX because they sent the bill to the incorrect insurance company in their region and did not send it to my address. They also made no attempt to contact me. All of my information was properly written down the day of my injury by XXXX XXXX XXXX and given physical medical and personal information documents.
On approximately XX/XX/XXXX I received a notice from the collection agency claiming I had a debt. Within the 30 days they had asked for ; I responded to the company asking for verification of the debt including with any information of signed forms or simple verification relating to the debt. They have never responded to my request in any fashion, I have never heard from them again. Since then they have placed derogatory information on my credit report three months later. Simply put I did as they asked and they never responded to my request, so therefore I am to assume they have no information.
I had contacted this company XXXX XXXX  to try to take care of my student loans which I decided within their timeframe that I did not want to do buisness with them so they sent me email of my cancellation but they still withdrew funds from my checking account which took months to get back & I have recently noticed they reported this on my credit which is uncalled for especially when I canceled before their timeframe was up.I decided to go thru a much better company
On XX/XX/XXXX and XX/XX/XXXX, I sent Portfolio Recovery Associates a letter for debt validation asking for specific items to verify that the account was mine. Porfolio Recovery responded back on XX/XX/XXXX with a credit card statement and says that it establish validity. The account that they referenced was proven invalid through the dispute process in XX/XX/XXXX and was removed from my credit report. Portfolio Recovery is attempting to extort money from me through mail fraud. Portfolio Recovery did not send me the item I requested to prove validity of the debt that I requested. This account does not belong to me and I am demanding the removal of this invalid debt. This fraudulent account is damaging my reputation with new creditors and preventing me from obtaining credit.
The Law offices of Mitchell , XXXX XXXX XXXX XXXX XXXX , XXXX , TX XXXX  , filed a collection account with XXXX XXXX on XX/XX/2017 . This has just come to my attention this morning . They claim that there client is XXXX XXXX XXXX . I do not owe any money to these entities !
I do not have an account with XXXX XXXX XXXX , I never signed any credit application nor did I guarantee payment of any nature to XXXX XXXX XXXX .
I did not submit my social security number to XXXX XXXX XXXX or this alleged law firm . I have not seen any paperwork supporting any claims , I have had no explanations , I have received no phone calls , just a bold faced lie publish on my credit report .
I am outraged that someone in this day and age can file a false claim , invade a consumers private credit report and publish false claims resulting in public embarrassment and tarnish ones reputation .
In XXXX of XXXX, I received a call from a collection agency about an unpaid account with XXXX XXXX that was set up with my social security number. XXXX determined it was a case of fraud. I was advised to file a police report ( see attachment ). On XXXX XXXX, XXXX I received an e-mail from XXXX stating that they notified XXXX, XXXX, and TransUnion. It stated that it would take 30 -90 days for the fraudulent account to be removed from my credit report. In XXXX of XXXX, I was completing a yearly free credit check and noticed that the unpaid account is still showing up on all three credit reporting agencies. I called XXXX and a similar email was sent on XXXX XXXX, XXXX. Both emails are attached.
XXXX XXXX XXXX, XXXX sold an account to XXXX XXXX that was included in my bankruptcy discharge case # XXXX XXXX. The amount is approximately {$4100.00} and should not be on my credit report.
The account was charged off and sold to a Debt Collection Agency. I have since paid the debt in full. My first issue is that the information reported is inaccurate and differs on all XXXX of the credit bureaus records. The second issue is that the account is showing a status of " late ''. The account is n't late. The account has been paid off. There are n't any pending payments they are awaiting. I 'm not late on payments. This is hurting my credit score. The third issue is that I 'm a NYS resident. In NYS paid charge offs report for XXXX years. According to the credit bureaus the account staut will not allow me protection under NYS law due to how the account is being reported to the credit bureaus. The information that is reported is inaccurate and misleading. The information as reported is hurting my credit score and will make it difficult for me to secure services at a competitive interest rate.
On XX/XX/XXXX I filed a dispute for a purchase made at XXXX XXXX for {$400.00} as the purchase was not received. On XX/XX/XXXX more than 6 months later and well past the timeline allowed to finalize and correct a dispute CHase sent me a letter stating the purchase was made in person, which I stated in my original dispute. The purchases were bought in the store for delivery by XX/XX/XXXX. I received a notice from XXXX XXXX stating the orders had been delivered buy upon arriving home no packages had been delivered. I returned to the store where the purchases were made to inquire. The store told me to wait another day and they should arrive. To date, I have yet to receive this merchandise or a store credit. The purchase receipt clearly shows a shipping charge of XXXX for order Order # XXXX. Yet Chase states there's no evidence the order was shipped or not provided at the time of purchase opposing the original sales receipt or shipping notifications received from the merchant.
I had opened a Discover Savings account using a promotion. I fulfilled all the terms and conditions mentioned in the promotion code including entering the promotion code also. Just to be on the safer side I got a cross confirmation from Discover that i will get the promotional bonus also-i had the email conversation via secure message center. Later when i am expecting that i will get the promotional bonus - i come to know that Discover is asking me whether i had entered promotional bonus or not? May be they are having second thoughts now. And most interesting - why they are deleting the messages like this? I can see that on the website they have mentioned that " all messages are going to be deleted after 30 days '' ... why??? In this age of Bigdata and analytics ( where storage is so cheap ) and moreover for legal reasons - financial institution should not do something like that - why DFS is not following it?
I am receiving continuous calls from XXXX. I do not answer because I do n't recognize the number. It is a Georgia phone number. I only know what it is from researching it on the Internet. I want this number to STOP calling me.
ACS servicer/ XXXX  for my student loan is reporting my account in COLLECTION . ACS Inc. is th e student loan servicer for  XXXX .  ACS  is reporting to   XXXX   and  XXXX  that my account is not just late but in COLLECTION.   1. During the time fram e   XXXX      XXXX    m y loans were being consolidated.   2. I worked with  XXXX   XXXX  to correct this information which was not corrected by ACS to the credit bureaus.  XXXX   XXXX  requested 6+ times for this information to be verified and corrected.   3. These request were made at least 1 year ago - yet  ACS  has not verified nor corrected information.   I have attached : Loan consolidation document from ACS, current  ACS  account information,  XXXX    XXXX   document requests ( which had no responses ), an d   XXXX   XXXX   credit reporting s howing information reported to credit bureaus  XXXX / XXXX / XXXX  )