WillisBack/dataset-financial-user-claim huggingface dataset:
My loan was modified XXXX XXXX by OCWEN Loan Servicing in the amount of {$49000.00}. This amount was divided in XXXX over the next XXXX years beginning in XX/XX/XXXX making XX/XX/XXXX year XXXX, XX/XX/XXXX year XXXX and XX/XX/XXXX year XXXX. The agreement was contingent upon my not missing more than XXXX payments, I have made all payments on time or before time. In XX/XX/XXXX I receive a XXXX for {$33000.00}. I have conversed with OCWEN XXXX times When I called OCWEN XXXX XXXX the said I will receive a new XXXX for {$16000.00} as the loan modification began in XX/XX/XXXX. Not having received the new XXXX I called XXXX XXXX and spoke with XXXX # XXXX who said they ( OCWEN XXXX did n't mail me the {$16000.00} in XXXX instead it was mailed early XX/XX/XXXX therefore XXXX deduction is not available. I asked him about the modification contract I have in hand dated XXXX and that it states the modification starts in XX/XX/XXXX and that it clearly states the XXXX year being XXXX, he would not answer. I also have my XX/XX/XXXX monthly statements that show the total reduction yet he would not acknowledge ; he kept repeating the " XXXX charge '' was per IRS guidelines but would n't discuss why the contract/modification starts in XX/XX/XXXX. In good faith I held up my part of the modification by making every payment on time. Now I have to pay taxes on something I should not have to. My Account # is XXXX. I have not contacted an attorney yet.
The debt owner is Pinnacle Credit Services L.L.C. They have been attempting to collect on debt that was discharged in a Chapter XXXX bankruptcy. I have informed numerous 3rd party collectors of this but Pinnacle just sends a new collector later. The last one closed their case and said they would inform Pinnacle after you contacted them Now Pinnacle is using XXXX XXXX XXXX in another attempt to collect on a debt they have been informed is no longer owed.
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I was already being sent a new credit card from Capital One as they had received information that clients may be comprised when shopping at a particular merchant. However, I got my new card, activated it, had it active for about a week, when suddenly i 'm charged {$190.00} from XXXX XXXX XXXX for the old number! Not only was that number supposed to be deactivated, someone was still able to use it to make a new purchase. Capital One claims it is because they will allow subscriptions that used the old card number, to pass through to the new card number ; in other words they are still connected, despite being given the impression that they were not. I told them I have never shopped with XXXX XXXX XXXX and therefore this being a new purchase, regardless if it was a subscription, should have been denied as it was completely new, and therefore a new subscription that should never be allowed to be used on a deactivated card. I had already cut my card up too. The more I spoke with them the less confident I felt in their abilities to protect me from fraud, as because it was a subscription they would just let it be processed without calling me first despite it being an old number that was supposed to have been deactivated. I was told I can call XXXX XXXX XXXX with them to get them to cancel the subscription, but apart from that all they can do is block. But I do n't feel they will really block them. I am upset that they do not understand that if I have NEVER used someone, regardless of subscription, then why would you allow a NEW subscription to be used on a " supposedly '' deactivated card?? I will be speaking with them more but am heavily considering canceling them.
I stayed at a bed and breakfast for 7 nights. Owing XXXX, XXXX dollars a night. The owner allowed me to stay, with the promise to pay after I was paid on XX/XX/XXXX. She offered me no copies of anything to support her claim. She photocopied my driver 's license and debit card, which is how she made the fraudulent charges. 

She demanded cash, at that point, which I withdrew on XX/XX/XXXX, in two transactions at two different XXXX stores, for the owed money. Then, without written consent, or any sort of notification, she also wiped out my entire checking account. 

Key promised I would have my money back in my account in no less than 48 business hours. I can not reach a supervisor by phone. I can not pay my credit card bill, nor phone bill either this month. Key has done absolutely nothing to get me a replacement card, expeditiously, nor, most concerning credit the fraudulent charge. The owner keeps blowing up my phone and threatening me and demanding for more than she is owed. She has promised to charge my card again for the ficticious amount owed. 

Key has been cavalier with the concerning issue and done absolutely nothing to repair the damages and losses I've incurred, middle of a move and during the XXXX holiday, they have stood by and done absolutely nothing. Key keeps me on hold for 20-30 minutes at a time and no help has been offered, I'm never allowed to speak to a supervisor. They now claim I will be credited in 10 days. There is zero urgency from them regarding the theft of my money. 

Key has a long history with me of not responding to ANY of my cfpb complaints, nor ever offering any sort of follow up, nor especially resolution. I'm sure this one will be no different.
I opened an American Express XXXX ( Amex ) credit card. Amex advertised bonus starpoints of XXXX for a friend referral. On XX/XX/2016, I contacted Amex to explain technical issues with their website prohibiting my friend from applying. I spoke to XXXX at Amex, ID XXXX, who asked for my friend to apply and that the points XXXX would be awarded later ( that I would get credit ). This never occurred despite my follow-up phone call on XX/XX/XXXX with XXXX ID XXXX. I am owed XXXX bonus starpoints for referring my friend, XXXX XXXX, who became an approved Amex cardmember as a result of my direction. 

I am also owed an additional XXXX bonus starpoints. On XX/XX/2016, I explained to the representative, Amen ID XXXX, that I had also referred my friendXXXX, and that I never received bonus points for that. Amen stated that he was sorry and would award me XXXX bonus starpoints. Unfortunately, I only received XXXX bonus starpoints. I am owed XXXX bonus starpoints as a result of the promise of the representative, Amen, on my conversation on XX/XX/2016. 

In sum, I request that Amex provide me XXXX bonus starpoints for the XXXX issues explained and to force them to comply with the terms of their consumer debt services.
On XX/XX/XXXX, I opened a XXXX Checking account and Savings account with Chase in response to an advertised offer for {$50.00} when doing so. I was able to do so quickly online using a regular desktop computer. When I went to download the app, I was informed during the process that the app only worked on XXXX devices. My smartphone is an XXXX device, and I do not have any XXXX products. I immediately called Chase/XXXX to get the accounts closed. The request was put in. To date ( XX/XX/XXXX ) the accounts are STILL not closed despite numerous secure messages between myself and Chase. The 2 accounts have been removed from my account login, but the accounts are still open. Why does it take 5 minutes to open an account ( no less- from a device you can not utilize the account from ) and nearly a month ( or who knows how long, as I am not willing to follow up with this forever ) to close it?
I have paid my line of credit with TCF in XX/XX/XXXX. I called and asked for my account to be closed. I was told that I need to sent a fax, which I did. However, I had a servicing fee of {$50.00} assessed on XX/XX/XXXX for a balance of XXXX during XX/XX/XXXX. I called again and I was once again asked to send a fax. I did send a fax together with the following email ( to XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX ) : **** email copy***** Dear TCF representative, I, XXXX XXXX XXXX , would dlike to close my account XXXX. I have paid my loan and do not need the credit line anymore. I would like to ask ( per my conversation with XXXX customer service representatives ) that the assessment fee of {$50.00} be retroactively removed. 
Thank you very much and kind regards, XXXX XXXX PS The above was the text in the fax I sent on XX/XX/XXXX. I am not sure why things did not go through ( I do have the fax being successfully sent receipt ) **** end of email ***** Now I have a new charge in XX/XX/XXXX, once again of {$50.00} ( which they draw against my debit card with the threat that if I do not pay, I 'd have my credit score affected ). My balance continues to be XXXX as I have long repaid my mortgage.
Citibank Is violating the FCRA Laws by continuing to report Credit Card # XXXX on my XXXX credit report
FTC # XXXX has been submitted to all three credit bureaus and they still refuse to remove XXXX XXXX XXXX # : XXXX from report this is not my account and was opened fraurdly.
Formal complaint credit dispute claim was opened with Capital One following an online order from XXXX XXXX. 

In short, XXXX XXXX charged the credit card. The order that was placed online was cancelled by XXXX XXXX due to inventory. XXXX attempted to rebill credit card despite this cancellation and not fulfilling their end of the order. 

A billing dispute was open with Capital One and as part of remediation, the original amount was credited back to card. However, Capital One received a charge authorization in " investigation '' BUT no other support documentation was provided by XXXX XXXX. No documentation involving delivery or processing of the order was uncovered in the dispute. Capital One 's dispute process saw the charge authorization as the only necessary component to side with XXXX XXXX of an online purchase that was cancelled by XXXX and decided to rebill credit card. Since this, we have called Capital One but they claim the burden of proof falls on the consumer now with solely a charge authorization. No sufficient evidence of the vendor 's fulfillment is a direct oversight on the process of disputing claims especially when investigating online order fulfillment. 

The initial purchase was made on XX/XX/XXXX. The dispute in question is for the value of {$61.00}. The complaint was lodged around XX/XX/XXXX.
Toyota Financial needs to update their dialer before contacting customers - I was inadvertently late on a car payment due to being out of town - I immediately paid upon return and still getting calls after making an online payment - I even rechecked the website to ensure it was processed, and it 's showing up Paid and Approved as of yesterday. I just registered my number on the DONOTCALL.gov website to stop the harassing calls - this is upsetting and unnecessary.
I am a very small company XXXX XXXX and had merchant services through Bank of America.  We were offered an overseas project by a prospective client and they defraud us in their first and only payment. Due to their payment which was fraudulent, Bank of America and XXXX XXXX XXXX   XXXX XXXX ( XXXX  ) shut down our Merchant services and labeled us 03-Laundering. They will not listen to our position nor will answer our calls. We are only pointed to Risk team by their helpdesk where I have been leaving voicemails daily for the past week. Bank of America has already  collected fees and charges of this transaction. 
We wish to log a complaint against Bank of America , Bank of America Merchant Services and XXXX XXXX XXXX XXXX XXXX ( XXXX ) as they did not consider our situation as a new Merchant and that this is the first payment and have labeled us without giving us a chance to present our case. We have been following all the steps they requested and have also spoken personally with the bank representatives, however we keep getting pointed to their risk department, who doesnt answer back. 
Can I get Help?
The State of Alabama HR has falsely reported the payment history, balance and subjected payment amount of my child support incorrectly to Equifax and XXXX. I have tried on numerous occasions to have this account removed due to it's wrong reporting. The account continues to come back as a verified account, however I have proof that the information being reported is incorrect. The arrears is incorrect and the amount is still accumulating even though I'm paying every month.
I would like to file a complaint ... Synchrony Bank has been closing my accounts one by one over the past six months ... I have spend several years building my credit score only to have Synchrony Bank ruin it all by closing most of my accounts for no reason. Every account they have closed were all in good standing with no late payments EVER. I have a 100 percent ontime payment history yet my accounts keep getting closed and it is affecting my credit score tremendously. I have done everything right with synchrony bank ... opened accounts, used them, paid them on time and yet they are still closing my accounts. I need someone to fix this and stop future closing of my accounts and possible reopen all of the accounts that they have closed. I have already spoken to several people at synchrony bank and no one seems to be able to help
Chase closed my Checking account that I opened in the beginning of this year, following that closure, they stated they are now closing my credit card as well. I had high cash deposits / withdrawals due to a few trips to XXXX XXXX but I have proof of the income and it 's reporting to the IRS under my social security from XXXX XXXX. I have written a letter to the Executive Office at Chase and I am currently pending a response.
{$13000.00} was debited from my checking account TWICE by Bank of America to pay my card balance in full - once on XX/XX/XXXX and again on XX/XX/XXXX. When I called on XX/XX/XXXX to have the excess payment of nearly {$14000.00} refunded to me they told me it would be 5-7 business days because it was such a large amount. That's ridiculous, but I was willing to deal with the policy. When I called again on XX/XX/XXXX to check on the status, they again said it would be 5-7 business days. I confirmed that this meant it should be refunded by XX/XX/XXXX, and they concurred. 

On XX/XX/XXXX it had still not been refunded to me. When I called again, they then stated that instead of the original 5-7 days, it would now take 10-15 days because the amount was so large. It does not take 10-15 days for funds to be credited in the current electronic banking environment. When they mistakenly took an additional {$200.00} dollars out of my account on XX/XX/XXXX, I called the same day and the funds were back in my checking account on XX/XX/XXXX. 

Clearly it does not take 15 days to confirm receipt of funds. Keeping almost {$14000.00} of my money for 2 weeks is nothing short of theft.
i have requested my credit report and there was a reported debt on there from EOS CCA which stated i owe them {$4500.00} for an XXXX Bill i then contacted XXXX to inquire about the bill seeing as i had no knowledge of even having the service with them. I was first transferred to customer service which they have informed me they have nothing in their system of me ever having service with them which then i proceeded to be transferred to their collections department for further confirmation and again they also told me they have nothing even stating i was ever a customer through them. my question is what can i do about this to have them to remove the debt from my credit report this to me sounds illegal to try to collect a debt and report a debt that i do n't even owe.
Knowing I would become delinquent on my Sallie Mae Private Student Loans, I tried contacting the consumer representative to be proactive to see what could be done. I asked to speak to a Collections agent, and they would n't put me through since my account was not past due. Instead, the representative told me he talked to them and they ( Collections ) said they could not help me until my account was past due so that I should let it go past due if I wanted help. He told me past due means 5 days, and that after 15 days delinquent but that I would not have to worry since 30 days is when they would report me to the Credit Bureau. This is extremely bothersome. They want me to miss a payment before they will help me? How is that helpful. It puts a stain on my account. Plus, who is to say they can even help me after I miss the payment? This is a situation where I needed to find out if someone could help me or if I will need to start calling all my family and friends to see if someone could help me make my payment. I needed help today, not when I am past due. This has truly upset me as I feel like they are giving poor advice and lacking in customer care.
I moved in XX/XX/XXXX. I have four Citbank credit cards and in late XX/XX/XXXX, I called the XXXX number on the back of each of the four cards to change my address. 

However, unbeknownst to me, the customer service agent who took me call for the Citibank AAdvantage card did not apply the address change. 

Fast forward to XX/XX/XXXX. I received a call on XX/XX/XXXX from an internal collections department that my Citbank Aadvantage card was in arrears of {$900.00}, with a  total balance of {$4600.00} due. When I said that I was unaware of this as I had not received a bill since XX/XX/XXXX, they said " yes. We know. They were returned to us as undeliverable and we had no way to get in touch with you. '' They gave me the number of the recovery unit. 

I have a bunch of problems with this feeble excuse. First of all, I have three other Citibank credit cards that manage to get to me every month. Second of all, neither my email nor my cell phone # has changed in more than 10 years. And third, how is that the credit reporting unit had no trouble finding my home or cell phone? 

I know that this will lead to a huge ding in my credit report, so I called the recovery unit on the same day, XX/XX/XXXX. I managed to convince the man I was speaking with to investigate the claim in an effort to keep it off my credit report. I also asked to pay the entire outstanding amount in full. But he could not guarantee that my credit would not be tarnished. He told me to fax a letter to the XXXX XXXX XXXX ( XXXX ), which I did on XX/XX/XXXX. I was told to call back in one week ( XXXX XXXX ) after XXXX to learn about the results of the investigation, and that in the meantime, the account would not be sent to an external collection agency and that I should not speak to the INTERNAL collections unit if the called again. 

On XXXX XX/XX/XXXX, I received a call from an EXTERNAL collection agency telling me that i had outstanding debt on this account. I told her that I would be speaking with the recovery unit as promised, at XXXX. When I called the recovery unit, they " had not yet gotten to the investigation yet '' and had no record of sending the fax. ( I subsequently resent it again today ). When I asked why the account had been sent to an EXTERNAL collection agency despite reassurances that it would not happen, his response was " Citibank always abides by federal rules and statues when it comes to this type of thing. '' I spoke to his supervisor, who had no more light to shed on the status. 

So, I 'm in limbo because they made a mistake in not applying my change of address. And they did n't bother to do anything about trying to find me. I could call the EXTERNAL agency and pay off the debt in full, but I 'm reluctant to pay it in full ( I could just pay the arrears ) if my credit report will still get dinged. And no one can answer any of my questions. It 's a huge circular vortex. When I called collections, they ca n't 'see the account ' because it 's in recovery. Recovery has had it for a week, has n't done a thing, and in fact, sent the account to an EXTERNAL collections agency when they said they would wait.
PNC Bank services my mortgage loan on my house. I live in Illinois, where " dual tracking '' is illegal. I was being processed for workout options .... ie ... my hardship package was " under review '' .... and yet I was still being pursued in XXXX county courthouse for foreclosure complaint, complaint for default judgement ... etc ... .The same day I was offered a forebearance agreement to sign from PNC bank ... they filed the Complaint for Foreclosure!!! 
Please investigate them.. My case number is XXXX. I filed for a hearing on motion to strike their complaint and their motion for default judgement. Thinking of counter sueing them. Any thoughts?
Hello - XXXX XXXX ( the airline ) recently switched their credit card partner from XXXX XXXX to Barclays. I was a XXXX XXXX XXXX XXXX card holder for over 5 years, but I did not want to receive the new Barclay 's card. I called and emailed XXXX XXXX and Barclays requesting to Opt-Out of the new credit card. They informed that I would automatically receive a new Barclays XXXX XXXX credit card, and there is nothing I can do about it. 
I even cancelled my XXXX XXXX XXXX XXXX card upon receipt of this news, and I still ended up receiving a Barclays credit card in the mail today. I called Barclays requesting they cancel my new credit card this morning, and they informed me that I needed to call back on XXXX XXXX or later in order to cancel this new card because " my information was not in their system yet '', so I guess I will need to wait and call Barclays again. 

Overall, I think companies like XXXX XXXX who switch credit card providers should give customers the ability to Opt-Out of a credit card from a new credit card company. No one can force you to switch banks or life insurance companies, for example, so why could n't anyone Opt-Out of switching credit card companies? Without a doubt, XXXX XXXX handled this process the wrong way. 

I have some emails to XXXX XXXX if you 'd like to see my requests, which went without any assistance from XXXX XXXX or Barclays.
I had a credit card with Orchard Bank. Orchard Bank was bought by Capitol One. When the billing moved over to Capitol One my automatic payments were stopped and resulted in missed payments. When I noticed I called Capitol One to find out what happened. They could not give a reason why they were stopped. They agreed to refunding all the late fees that were charged and apologized for the error. I have attached a copy of the statement showing the refund. I have asked them many times to remove the late payments from my credit report and they just send a letter saying they are reporting correctly. As soon as I noticed that the payments were not getting applied to my acct I immediately called and paid the past due balance as well as set up the new automatic billing. The late payments are greatly effecting my credit. This was no fault of my own. I never had a late payment with Orchard Bank, and have not had XXXX late payment with Capitol One sense I discovered this issue.
XX/XX/2015 I received a notice from XXXX collections that I owed {$170.00} to XXXX XXXX XXXX. It stated that if I paid {$99.00} it would settle the debt. I immediately went and got a money order and sent it to them. XX/XX/XXXX I was notified by my credit monitoring company I had a negative collection reported. I found that it was a totally different company saying I owe the {$72.00} balance, Franklin Collections Services. I called XXXX and got proof that I paid the settlement amount and it is a paid account. I submitted XXXX disputes to every credit bureau. XXXX and XXXX deleted it within days. XXXX on the other hand, I have filed XXXX disputes and they will not recognize that it is a duplicate that was incorrectly sold to another collection agency. I do n't understand how company 's can just say a person owes something when they have proof they paid it. This is unfair to all the people that pay their bills. Sadly, I still do n't even know where the bill came from! I just paid it because I wanted it to go away but I refuse to pay the balance after I paid the {$99.00} like I was told to do. XXXX is terrible and our government should not let these companies have as much leeway as they do. Collection agencies should have more restrictions on them. Being able to just charge someone for something because they want to is not fair credit reporting!