WillisBack/dataset-financial-user-claim huggingface dataset:
I am on income driven repayment and received inadequate notice from my servicing company regarding the critical deadline that was approaching for my annual recertification. I received absolutely no US Postal mail from the company, no phone calls, or text messages. The only notification I received  was an email on XX/XX/XXXX with the unspecific subject " Action Required : View the message in your Paperless Inbox and take action! '' Unfortunately this email was received after my loan servicer had already capitalized all my outstanding interest ( interest capitalization occurred on XX/XX/XXXX ), and had also increased my monthly payment from {$320.00} to {$2300.00}. I received no notification from the company that either of these two major changes to my account had taken place. I had to discover these changes for myself by logging into my account. Upon calling my servicer on XX/XX/XXXX, I was told my only option was to go into forbearance while they reviewed my now submitted ( submitted XX/XX/XXXX ) annual recertification I was also told to call my bank and do a stop payment for the payment that was due the next day. I did inform my servicer that I could still make a payment, just not the full {$2300.00}. My servicer told me that there were absolutely no negative ramifications from going into forbearance. After my initial call is when I discovered that the interest had already been capitalized. I called my servicer back ( still XX/XX/XXXX ) and they said there was nothing they could do to undo the capitalization of interest.
I bought this car in XXXX. Drove it for probably XXXX miles before it quit running. 14 years go by and never heard a word from this " so called company ''. No letters, no phone calls, no nothing. In XXXX they tried to sue me and garnish my wages. However, they did not succeed.. Now they are back at it again. They sent me a lovely yellow summons stating that " my wages ARE being garnished ''. Please tell me how it is possible to have your wages garnished without even going to court? Without ever being able to have a defense.. Per Virginia Law this Auto loan has past the Statues Of Limitations on collection of this debt. If this loan was a written Contract, they can only try and collect for 5 years. If this loan was a promissory note, they can only try and collect for 6 years. I will vigorously fight this injustice and criminal behavior by this company. This company sold me a lemon. This company has hurt my name and reputation with my company on false pretenses. This company uses scare tactic to try and force people into paying on a debt past the Statue of Limitations. I will not be bullied by this company. I will have my attorney on this ASAP. I have a good case to sue XXXX XXXX XXXX XXXX XXXX for their miscarriage of justice, lies and deformation of my character.
Nationstar Mortgage calls anywhere from 3 to 5 times a day and when I pick up the call to say hello they hang up. I have called them back with almost each and every call and told them to stop calling me and hanging up but they threaten to cut off all communications via email and mail. As they are my mortgage company I can not allow them to stop mailing me my statements or electronic correspondence. When I again tell them to stop calling me and hanging up they tell me its the automated dialer and not them personally who is doing this. When I tell them to take me off the dialer they again threaten to cease all communications. I have two months left on a repayment plan which was put in effect two months ago. Since then the calls have increased. I do not want to be harassed and I have told them this repeatedly. When I ask for a supervisor they either hang up when " transferring '' me or I get a supervisor who apologies but then continues with the threat of ceasing all communications. I am literally at my wits end hearing my phone ring and knowing they are intentionally trying to harass me over nothing. Please help.
On XX/XX/XXXX, I received a customer service courtesy call from XXXX XXXX, which stated that my account was 27 days past due and that they were checking with me because they thought it must have been an oversight as I have NEVER had a late pay on my account. I explained to the customer service rep that my bank account had been compromised and I was not aware that that payment had not gone through on XX/XX/XXXX, as the bank stated that normal payments are usually honored. I immediately proceeded to make the required payment and I confirmed with her ( customer service rep ) that this was not a 30 day late pay to which she agreed. She ( customer service rep ) did proceed to tell me that my account would incur a {$30.00} late fee, however, because the account was not 30 days late, it would not reflect negatively on my credit. She further stated that the payment would be processed on XX/XX/XXXX to ensure that there were no mishaps. A few weeks later I received an alert from my credit monitoring service that I had a late payment. I immediately contacted the credit card company ( XXXX XXXX ) at which time they refused to remove the late pay. I asked them to review the customer service call which they subsequently refused to do. This incident has severely negatively impacted my credit and the credit card company has refused to not only admit wrong doing but also refused to remedy the situation.
On XXXX XXXX, 2016, I was notified by several parties that Santander left voicemail message inquiries while stating my name. I do not have a loan with Santander. I notified Santander over the phone and in writing to immediately cease and desist all contact with me, and to stop Skip-Tracing practices and calls to parties known to me for the purpose of making inquiries regarding me. 
I am assisting my XXXX year old mother in her attempts to surrender her vehicle that she can no longer drive to Santander. She is also unable to sell the vehicle which is valued at {$2500.00} and the remaining balance is more than {$12000.00}. Santander engaged her in a loan contract that is predatory by imposing unfair loan terms with high interest rates and fees, limiting her equity in the vehicle to {$1300.00} after 33 payments totaling more than {$9000.00} over 3 years -- a perpetual cycle of debt that she will never be able to pay. 

Santander was perfectly accepting of my direct involvement with her account while I was coordinating and rearranging her payments to them on her behalf as I do with her other accounts. But, when I started challenging the the payoff and the remaining balance and discussed her wishes to surrender her vehicle they refused to work with me directly. My mother mailed her written notification to surrender the vehicle and its location with instructions to pick it up, yet they have made no attempts to do so.
Bank of America XXXX XXXX credit card - I have not used this card in years. Annual fee was reported as bad credit to credit reporting agency. My credit score of over XXXX with nothing late is now XXXX. I found out when I went to apply for a mortgage. We were in the middle of selling XXXX home and purchasing another. I phoned Bank of America customer service and they were unwilling to help. When I saw the XXXX XXXX mail the XXXX time I did open it. It was already to late. I told XXXX the manager at Bank of America, " I have n't used this card in years why would you still send this out and charge me? '' Her respond was, " you knew what it was when you signed up. " If a person does not use a card in 3, 4, or 5, years why should a credit card company be able to bill you and then ruin your credit because of a fee? 
Can someone help me with this problem?
Hello, I have tried repeatedly to get PNC Mortgage to report correctly on both my mine and my husband 's credit reports. We had to file chapterXXXX bankruptcy in XX/XX/XXXX. We put the past due balance in the bankruptcy, but we continued to pay the current mortgage directly to PNC during the 5 years of the bankruptcy. We made consistent, on time payments the whole 5 to date. They reported the account closed during the 5 years. After discharge in XX/XX/XXXX of XX/XX/XXXX they still showed our account closed. I disputed it, because the account was never closed. They said they showed it closed because of the bankruptcy. They corrected that and now it shows the account opened, but they still refuse to show payment history prior to discharge. They made sure to put the past due payments on there prior to filing bankruptcy. This is still effecting our credit negatively on top of the bankruptcy itself. We are trying to move forward and have worked hard to repair our credit these past 5 years, establishing an impeccable payment history, but they are continuing to punish us, by not acknowledging it on our credit reports. Please HELP!
In XX/XX/XXXX when checking my credit report, I noticed that I had a collection account appear from XXXX XXXX XXXX in the amount of {$6700.00}. I have never received any written communication from Midland regarding this alleged debt. Midland reported the account as opened in XX/XX/XXXX, but I have never opened any account with Midland. It has not been reported on my credit file until XX/XX/XXXX. I disputed the account with XXXX, but that went nowhere and I did not receive any written reason or criteria, etc. I received a letter from Midland stating that my dispute was being investigated but received no follow up. On XX/XX/XXXX, I sent a certified letter to Midland requesting validation of the account ( attached ) which they received per postal records on XX/XX/XXXX. To date, I have not received any communication or validation of my account. I understand that there is a period of 30 days after the first written communication from the creditor in which a consumer can request validation. However, given that I never received a written communication I was never given the opportunity. I only found out about this alleged account when it appeared on my credit file. I want to heavily emphasize I have never received any written communication about this account. I believe this account is invalid, violates the FCRA, and should be removed from my credit file with all three bureaus.
On XXXX XXXX 2018 I contacted transunion and XXXX about numerous inquiries on my credit report that I did not apply for and they were no help told me to just call the creditor
on XXXX XXXX, 2017 I received a in-app message saying my account was closed with no explanation. I have deposited XXXX in the account and spent all but {$430.00}. I do n't know where my money is and I can not speak to them over there phone nor chat.
On all  XXXX  credit reports, ( and this is the second time this has happened to me ), I am car shopping and they are only supposed to run it through a maximu  m of   XXXX   companies and it continues to be ran through multiple agencies until I have a tremendous amount of inquires for several different financial institutions.   XXXX   XXXX   this time and there was a great deal through  XXXX  last time that were never removed. Do n't they have to have permission to send it through that many people?? I did not authorize it and it is ruining the credit I was trying to build. Please let me know.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX     XXXX   XXXX      XXXX   XXXX    XXXX   XXXX    XXXX   XXXX      XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   C  XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX      XXXX   XXXX     XXXX   there should be a max of  XXXX  on there. I allowed  XXXX  from   XXXX  ,  XXXX  from   XXXX   XXXX   and then I ended up buying a car from   XXXX   XXXX  . How do I fix this???
XXXX   XXXX   XXXX  Has been reporting since  XXXX  an account for the  XXXX   XXXX   XXXX  over a payment that was between my insurance and the billing department of the clinic. The Clinic was in dispute with the billing company due to over payment and improper billing. When this issue was resolved I received documentation from my insurance company, forwarding a copy to   XXXX   XXXX   to have this removed from my credit report since it was not directly my fault. Instead it was not properly removed by all reporting agencies and updated with TransUnion on  XXXX / XXXX / XXXX .     I was advised this morning that this is still active and not deleted.
Several months ago I filed a complaint with the Consumer Financial Protection Bureau, against XXXX XXXX XXXX for reporting erroneous late payments to the credit bureau. 

I also file complaints against XXXX and TransUnion falsely lowering my credit score ; reporting incorrect late payments and refusing to remove inaccurate collections on my records. Today I reviewed my credit report and both credit reporting agencies are indicating I am 4 payments behind on my vehicle loan. The report is showing I am 30-90 days behind on my vehicle loan with XXXX XXXX. I am at the mercy of these credit bureaus because it takes 30 days for them to investigate and another 30 days for them to correct the error. Then the error appears back on my credit report. I have been fighting this since XXXX. I contacted XXXX XXXX and their representative says they are not reporting any late payments. Please tell me what to do
" GS Bank | Online CD and Savings Accounts www.gsbank.comXXXX Get a high yield CD from GS Bank today! ... the check payable to your name ( make sure the name is the same as on the account ) or Goldman Sachs Bank USA. '' My name is XXXX XXXX - please protect this name when publishing this complaint. 

Tried to open a CD online in XXXX-2017 and was rejected for providing incorrect info. I know that the information I provided was correct. So I called GSBank at ( XXXX ) XXXX and was rejected again. 

Considering the XXXX data breach I contacted GSBank at the # above asking them for the reason for the rejection or for the source of their incorrect info. The Cust Srvc Rep - XXXX - at GSBank told me that he could not disclose the reason why I was being rejected or the source of their incorrect info. 

I need to find the source of this bad info so that I may protect myself as it is possible that somebody could be fraudulently be impacting my personal info. 

Please help.
I received a payment for services rendered of {$1000.00} the customer opened a claim on XXXX XXXX to try to keep the services that were completed and get his money back fraudulently. I sent papal all the proof that work was completed, and the customer had contacted me the day he refund was requested and never mentioned a refund. Subsequently I sent a payment of {$220.00} from my account to XXXX XXXX XXXX when that payment was sent there was no notice that the negative balance would be added in addition to that transaction. Since then the account I sent the payment through has been made negative and when they try to transfer it alerts them that balance would be added to the transaction and the total amount. 
I want to know when that feature was added because it was not there when I placed my transaction. I'm asking that paypal refund me the balance they took because no prior notice was given and it was put on the back end of my transaction. Even if you look in my ledger with them it shows XXXX not the balance they added after the fact.I have attached what it looks like today if your account is negative it gives you a warning that the balance owed will be added to your transaction. I was not given that so I'm requesting they refund the balance to my card that they took without warning.
We are writing this in hopes you can help keep a family in their home. XXXX and I have a child with XXXX problems. Treatment was expensive, and even with the continued expense of necessary medication, we paid our mortgage on time until XXXX lost his job. After this, it became impossible to make the house payments. During most of this time we barely had enough money to eat. 

It was a trying time, but we tried our best. When we were finally on our feet enough to be able to put together a month or two, Seterus declined the payment. They wouldnt take our money or work with us to make it right. We wanted to get back to paying on time, as we had before, but they said they wouldnt do anything until we paid the entire balance.
I'm writing about my account with XXXX XXXX XXXX XXXX. Last year, XX/XX/2017, I fell off the back of a tractor trailer and XXXX my XXXX in XXXX, XXXX my XXXX, my XXXX XXXX ( in 2 places, and my XXXX ( in 2 places ). 

I struggled to keep up with my bills as I rehabed. XXXX did not offer any accident insurance but never reported me late in payments.

I have been blessed to have returned to work in just 12 months and attempted to refinance out of this high interest loan. For the first time XXXX started reporting late payments after I requested a payoff effectively locking me into the loan.

I have made 2 payments last month and the company is still reporting that I am not making payments.

I requested a correction from all 3 credit bureaus and XXXX reported the payment history even worse.
I have had ongoing issues with the XXXX credit card issued by Synchrony XXXX. 
On Wednesday, XX/XX/XXXX I received an email alert that my automated recurring payment was not received. 
Today, XX/XX/XXXX I called the customer service number on the back of my credit card. 
It was a prerecorded line that had only sales pitches for an endless number of products and companies. 
I called the number again to make sure I did n't misdial. 
I had the same result. 
I went to the website and there was a different customer service number. 
I called that number and was connected to " XXXX ''. 
I explained the issue that I was signed up for automatic, recurring payments and that I did it the same day of my last phone call to customer service. 
" XXXX '' at first said he did n't see that I had signed up for automatic recurring payments and asked me unrelated questions. I explained the steps I took again and said that I can see my bank account number listed for my account on the website. 
He put me on hold for several minutes then came back and said that I did sign up for recurring automatic payments from my bank account but that it would take 1 to 2 billing cycles for it to take effect. I told him I thought that was ludicrous and poor customer service, then I asked him to remove the late fees and finance charges so I could pay the purchase balance in full. He then hung up on me.
4 months ago I set up an account with Experian with the goal of paying for a single month for service both myself and my wife. The agreement was to pay XXXX for each account until I cancelled it by phone. After the first month expired I contacted the customer service number numerous times and have failed miserably. I have wasted no less than 10 hours on the phone trying to get to representative to no avail. In the mean time Experian has charged me the XXXX x 2 each month for the past 4 months. I would love to speak to a customer service rep, in order to cancel this fraudulent service and recoup my hard earned monies with the exception of the 1st month for which I have agreed.
Our Parent direct plus loan is under auto pay every month and I try to add every month an additional payment religiously but I noticed that I get charge additional interest on the overpaymt rather than all going to principal. I calle d Navient and  got an answer because my overpymt have some lapsed on days so I get charge interest on it as well and was advised to schedule an additional payment on the same day that my auto pay is scheduled so all my overpaymt will go all towards principal. I checked this morning since my payment always hits at the  XXXX  of each month and there it is again they lump the full payment and charge interest on both auto  pay amt as well  as the overpymt that I scheduled and when I called th e cus  service keeps saying th at bec th ey pulled the overpayment 3 days after the scheduled date which in terms that is why I get chg additional interest so I can not win if I overpay before the sched auto pay date I get chg interest and if I sched just right date I get chg interest as well. I think this is a really bad accounting. My overpayment should just go to principal just like a mortgage why get chg additional interest when the accrued interest is already imbedded in the monthly auto pay amount they advised as the amount that needs to be paid monthly to be current on our loan?
I signed up for personal training. Because of inappropriate behavior and the company 's not being able to provide me with a trainer/missed workouts, I wanted to get out of my contract. I contacted the XXXX XXXX XXXX headquarters. They refused to let me out of the contract. I filed a XXXX complaint and the resolution was that I would have to do a 25 % buyout of my contract. I was then put in touch with an XXXX XXXX. I made the payment to him ( I have included a receipt ). I was then contacted by a company called AAC that started harassing me nonstop about owing them XXXX dollars which was more than what the contract was worth when I stopped working out! They have been sending me harassing emails, letters and phone calls about a phony XXXX dollar debt. They have also threatened my credit score.
On XX/XX/2018, XXXX 's denied my credit application in a letter that contains discrimination on its face. The letter is attached to this complaint. The letter was issued in violation of XXXX 's company policy and the XXXX XXXX XXXX
My complaint is about Chase Card Services keeping my payment and then closing my account when I paid it in full. ( {$820.00} ) I did have payment problems with all of my other creditors due to {$3000.00} in medical bills and I am already on XXXX. I got a Hardship withdrawal from my pension to try to pay back some creditors. I had XXXX accounts with Chase that I opened 18 months ago and have never been late with them. Everyday when you sign in, they say something like, " you can combine your XXXX Chase accounts to utilize your credit limits in the way that is most convenient for you. '' Well, after getting my pension money, I set out to pay off the smaller of my XXXX Chase Cards and hoped to pay off some medical bills with the, " new combined credit limit. '' I kept getting transferred around and then they pulled my credit report and saw that I was late with my other bills. I tried to explain, but they said it was, " within their rights to close my account even if I 'd never been late with them. '' They did so taking the {$820.00} I so desperately needed. Since I had made this payment by my bank 's bill pay, I sought their assistance to get {$750.00} of the money back. Chase said they would only give me my money back if I, " sent them a voided check, '' since my bank used a third party vendor to do Bill pay. I told them I did not want to send a voided check over the internet, so I had a lengthy conference call with the Chase rep and my bank on the line. After 3-4 transfers, a " supervisor, '' agreed to refund {$750.00} directly into my bill pay account if they would fax the proof of payment directly to them. My bank faxed the form that day. Seven days later there has been no action in my account and when I contact them today, they inform me they are sending the check by mail, but I will have to wait another 5 days for them to mail it! This has been going on since XXXX/XXXX/2016! I do n't think I will ever get my money back and If I do, I 'll have to go directly to a Bankruptcy attorney because the time to " make a deal '' with my creditors has now passed.