WillisBack/dataset-financial-user-claim huggingface dataset:
I have a credit account through Sears. It has been open since XXXX. Approximately XXXX XXXX, while paying, Sears retail clerk prompted me of an opportunity to enhance my Sears credit through the addition of a Master Card. at the point of that register, through the process of applying to the added credit account that I discovered the store had my incorrect address. I updated the address at the register, and agreed to new account and made a purchase that day. 

In XXXX XXXX, I was forwarded mail sent to my incorrect address, my former address. I paid that bill and opened an online service account so as to stay on top of the tracking- I then updated my address. In XXXX XXXX, I received a notice from credit bureau ( XXXX ) survey account stating that there was a change in my credit report. It pointed out the Sears card. I then promptly attempted to sign in to investigate the account. 
As I attempted to sign in, the Sears online system did not recognize my email stating that my email was not registered. After multiple attempts with multiple user names and passwords, I promptly called Sears to investigate on XXXX/XXXX/XXXX. The Sears clerk told me that he saw that I was registered through the Sears online system, but not through the Sears Credit card online system. In essence, the online banking system for the Sears card that I have held since XXXX, and the new Sears Credit opened in XXXX XXXX are not linked, correlated, or connected in anyway. XXXX, therefore, must have made XXXX separate online accounts. This added step and process was no where disclosed anywhere by the company nor its affiliates. 

The multi step online registrations requiring XXXX user names and such are not disclosed and creates ambiguity and confusion on behalf of the consumer that can have serious ramifications. I think that this is capricious and not fair to the consumers, and now my credit score has been dropped by these discrepancies. 

In the meantime, I have paid all bills in full, but seek remedy for the XXXX notes added to credit score affiliated with the Sears credit card online system.
I got an alert from my credit monitoring stating that there was a new collection added to my credit report and when I pulled my report I saw Ability Recovery services. I do n't know who they are collecting for or for what reason, I never received an early warning notice.
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
The following company XXXX XXXX XXXX XXXX has placed their name on my Equifax credit report fraudulent. I requested validation of this debt, however the address on my credit file is bogus. The USPS returned my dispute in reference to this alleged debt, as undeliverable. Every time I dispute this account with Equifax it comes back as " verified '' I can not recall ever doing business with this company.
This complaint is against American Express. I used the credit card to purchase Delta Airline ticket for the amount of {$73.00}. One day prior departure, I went Delta online to cancel the ticket. Before CANCELLING the ticket, DELTA WEB SITE DID NOT INDICATED WHETHER OR NOT IT IS REFUNDABLE, so I went ahead and cancelled one day prior departure. I disputed the charge with AMEX for reason of POOR QUALITY OF SERVICE by Delta, and talked to supervisor XXXX on XXXX/XXXX/XXXX approx. XXXX XXXX EDT. AMEX supervisor was not helping consumers, saying that if the merchant ( DELTA ) wants to charge, they can do whatever they can do and AMEX credit card company has no control on it. I was so shocked that AMEX employee with supervisor capacity does not even know " the quality of goods and services '' is protected by the law. He was more than willing to help closing the account than help solving the issue of quality of goods and service.
I have been very open and honest with Sallie Mae about my difficulty to repay my loans because I am not making what I expected after graduation. It took me 6-7 phone calls and multiple line transfers to receive what little help I managed to get. I was told by multiple employees of their company that my best and only option was to let my student loans fall into default so they could be send to a collection agency, where I would receive assistance. I have also been told to pay them or " else. '' I have been told that they " do n't have to do anything and do n't care about '' my issues with repayment. It is shocking how quickly their attitude changed when my loans entered repayment. When applying for these loans, I was led to believe that income-based repayment options would be available to me after graduation if I was unable to make the original set payments. I am currently using graduated repayment on the loans I have that qualified, but even with this option, the payments are still too high - almost half of my monthly income. I try to be financially responsible and do not want to see my credit and potential future ruined over their lack of willingness to work with their customers.
I have had XXXX vehicle leased with GM Financial. In XX/XX/XXXX, my credit union bank account was compromised by fraud and my XXXX banking payments we stooped for XXXX days. Because of this my car payment to GM Financial was not sent to them. I never received any late notices because GM Financial had never updated my address, after multiple times of trying to update it with them. After I received a phone call from them XXXX months later I realized what had happened. I sent GM Financial a letter I received from my bank explaining this situation was beyond my control and was in fact their fault, but GM Financial refused to remove the XXXX late notice to all XXXX credit bureaus, but waived the {$50.00} late fee. Most recently I lease a new car with GM Financial, XX/XX/XXXX, I never received any statement or documentation of the account number, until XX/XX/XXXX. I called several times to check on it and when the payment was to be due, maid the XXXX payments in XXXX and they again waived the late fees and said because it was their fault nothing would be reported to the credit bureaus. On XX/XX/XXXX I received notice there was in fact a XXXX late posted to all XXXX credit bureaus for this new account. I called GM Financial that they claim they never reported it.
Our mortgage was sold to Carrington Mortgage services. They call at least once a week, but I have received calls just minutes apart. They keep calling asking me to refinance at a lower rate. I tell them every single time that I am not interested, to stop calling. They say they will add it in the notes of my account, yet the calls continue.
On XX/XX/2018 I made a purchase to XXXX for {$5.00}. That transaction was pending on my account. At the time, I had enough money to cover the transaction. On XX/XX/2018, Regions rearranged the order of the transactions which cause me to overdraft my account by {$100.00} in NSF Fees and another {$15.00} for overdraft protection transfer. Regions took the {$150.00} check 1st and then split the XXXX purchase for {$4.00} and {$.00}, taking them second. Please keep in mind, I made one total purchase for {$5.00}. This caused all the fees above. The XXXX transaction should have been processed before the check. My card was used prior to the check coming through.
I have a unpaid charge card debt. Kohn law firm is now trying to collect on the default judgment against me from XXXX XXXX charge card debt. They found out I am exempt from garnishment because on state and federal aid so they are trying non earnings garnishment on my checking, savings and pay from a customer-employer. the court commissioner ruled my pay earnings as defined in the Wisconsin state statue but XXXX has appealed trying to use a unpublished appetite courts ruling as president for
I was contacted by a male who identified himself as XXXX from XXXX XXXX on XX/XX/2018. He asked to leave an urgent message about a financial issue ( read : debt ) for a person who was not known to me. I informed him that I was not a member of XXXX XXXX, nor was I the person he was trying to reach, and that I believed he was involved in a scam based on his willingness to leave a message about a debt with someone who did not know the person he was trying to reach. I asked him to stop contacting me. I have received several phone calls from other numbers, and from unlisted numbers, from the same person and requesting to speak to the same person. This is harassment, and I do not know the person they are trying to collect a debt from. The calls have occurred as late as XXXX XXXX. in my time zone.
my daughter wanted to become a   XXXX   XXXX   but when she applied she could n't apply for the loan on her own so we were told we could split it between us. Approximately {$5500.00} each. The school stated by the time she graduated the loan would be paid off and they would help her find a job. Neither of those things happened. Due to unforeseen circumstances and hardships I had to file chapter  XXXX  to keep from losing my home. I had to make payments to the court of {$430.00} a month for 60 months and turn over my tax refunds also. The court still paid money to the creditors even though they were a write off.   They paid some to  XXXX   XXXX  for the school loan, little did I know that the school loan was accruing interest for th e five years I  was in bankruptcy. My  XXXX  dollar loan is now almost  XXXX ! I make  XXXX  dollar payments a month but it just keeps going up and   XXXX   me out that I will never get out from under this debt. I wish they would at least forgive the interest then I could maybe make a dent in this debt.
I am writing because I noticed that my report is reflecting late payments on two accounts. These items are because one account is paid in full and the other account is in good standing.

Chase : # XXXX Chase Auto : # XXXX  I am requesting that the item be deleted to correct the information. Enclosed are copies of payment records supporting my position. Please reinvestigate these matter ( s ) and correct the disputed item ( s ) as soon as possible.

In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete the item. Additionally, I respectfully request that you forward to me an updated description of the procedure used to determine the accuracy and completeness of your removal as required by the Fair Credit Reporting Act and confirmation that this information will not be re-inserted. I thank you for your consideration and cooperation.
I have my minimum amount due set up on automatic bill pay. I have made no purchases on this card the last 3 months yet my minimum payment due fluctuates. I was charged a {$27.00} late fee for being short {$10.00} on my XXXX statement. 

XXXX min payment due XXXX XX/XX/279 XX/XX/276 XXXX
Lowes issued me a credit card last XXXX 2016 and their customer service calls claim I am not current on my account. I recieve calls from Ohio and the XXXX on SUNDAYS AND HOLIDAYS. i HAVE NEVER BEEN DELIQUENT ON MY ACCOUNT.
Someone opened a credit card in my name in XX/XX/2018. Through the credit reports I was only able to obtain a partial number of the credit card. The card limit was {$500.00}, but since it was not paid the actual balance as of XX/XX/18 is {$620.00} according to XXXX Credit Report ; in the XXXX and TransUnion Reports the balance is {$570.00}. I called XXXX XXXX XXXX in XX/XX/2018 when I noticed the account in my credit report and informed that I have never applied for a card with them. They said that they will investigate and send me some documents in the following two weeks. However, after over a month I have not received any papers. I called again today, XX/XX/2018 ( XXXX ) and speak with Mr , XXXX XXXX who indicated that it will take some 70 days to investigate and that I have to call again in a month. They did not provide any number for the confirmation of claim. This is affecting my credit score because the card has not been paid since it was opened.
XXXX, from Wells Fargo Bank, called me at XXXX XXXX today to talk to me about my complaint number XXXX to the Consumer Financial Protection Bureau. She told me Wells Fargo Bank does not know how or why I received the letter dated XX/XX/2018 that stated my mortgage had been transferred to XXXX XXXX XXXX XXXX XXXX XXXX effective XX/XX/2018. 

She told me my mortgage would be transferred on XX/XX/2018 and any payment made after that would need to be made to XXXX XXXX XXXX XXXX. 

I attempted to tell her Wells Fargo Bank is trying to undo what's been done and to keep my mortgage transfer with payments confused ; that I needed to receive this in writing. I tried to tell her I should have been notified 15 days prior to the mortgage transfer. However, she kept talking over me and would not listen to what I was saying. Finally I told her " call me back when you are ready to listen to me '' and hung up on her.
XXXX XXXX XXXX XXXX : {$280.00} XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX {$67.00} Student Loans that have duplicates XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX {$140.00} XXXX XXXX {$440.00}
I recently made a student loan payment for {$200.00} leaving about in arrears {$1800.00}. My income based repayment is about {$110.00} per month so I am in the process of catching it up. The issue is the American Education Services debited my bank account for the entire {$1800.00}. When I approved the online payment it said {$200.00} but they do n't send a confirmation email at the time of the payment to prove it is setup for the correct amount and they keep the only records of the online payment. So unless one has the foresight to screenshot the process you ca n't substantiate their mistake. Their customer service refuses to even discuss refunding the over payment. If they will not remedy the situation I will move my checking account to new bank and only pay them via cashier 's checks.
Threatened to sue me on debt that is not mind. I have requested for validation and verification, but to no avail. I never been to any hospital, nor any doctors. An now these people are calling and threating to take me to court.
Around XX/XX/XXXX my husband had to take a pay cut, we applied for assistance it was granted XXXX XXXX  but not made aware of the interest that would build up during the hardship. XX/XX/XXXX I being a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was injured and have not been able to work since XX/XX/XXXX due to XXXX XXXX and now facing XXXX. XXXX XXXX was made aware. The amount showing we owe is unbelievable, we let them know about our extreme hardship only to be misinformed and ignored.
My Name is XXXX XXXX. I am the holder of 5 Student Loan accts. the total payoff is approx. 41K, however the amounts that the loans total seems to be XXXX. This is due to late fees and penalties. ( Which is understood ) GC Services is the debt collector I am dealing with and am told they are in contract with the US Government to provide collection services and/or solutions for the borrower.

I initiated a phone call to determine what needed to be completed to consolidate all loans into 1, further asked if there was a program that I could enter to establish a path fwd, Discussion initiated ( XX/XX/2018 ) with GC services. I was informed " pending confirmation '' of my verbally stated Salary my payment would be $ XXXX/month for 9 months at which time I would have completed my REHAB requirements and have the ability to consolidate or XXX. 
In a follow up phone call ~2 weeks later I was informed that the offer presented on the last phone cal was not available anymore and I should start again. 
This XXXX XXXX XXXX practice of bait and switch has continually existed for the duration of my payments ( which I have made since XXXX or XXXX. 

Additionally I made a complaint with the department of education in XXXX concerning these practices and GC Services.
Ditech Financial LLC was the mortgage servicer on my FHA mortgage loan and I refinance  XXXX   XXXX ,    2017  ; funding  XXXX   XXXX ,  2017 . The company issued a payoff thru  XXXX   XXXX ,  2017  which included 30 days interest ; {$800.00}. However,  Ditech  has not refunded th e 21 re maining days interest due me and FHA document no.  XXXX  states the mortgagee can not charge interest beyond the payoff date.     I 've spoken to several customer service representative and management by phone and was finally told the investor requires 30 days interest. There is no prepayment penalty and I 'm entitle to the refund. There, I would appreciate assistance obtaining the balance due {$560.00}  ( 21 days ) interest  as soon as possible. I received the escrow balance due but not interest refund.     Thank you
XXXX XXXX To : CFPB On XX/XX/XXXX my father past away due to a XXXX and my mother was the executive of his state. A few months later I was place on the loan for the mortgage and the deed was registered under my name and my mother 's name and also the house with was already XXXX XXXX dollars in late fees. I reach out to Green tree to start the loan modification because of financial hardship. A few months later Green Tree sold the loan to Ditech Financial XXXX ACCT # XXXX. Ditech sent me a packet witch, include a hardship form to fill out and send back to them. I sent all my financial information including my mom 's financial information we had to fill a XXXX form at least 3 to 5 times, I send them the copy of the deed and a copy of the lease agreement twice. Every other month I fax them my paystubs my bank statements Witch seem to lose or misplace every time. They never contacted me I 'm the one always calling everyday trying to get an update and every time I call my loan is always in review and an a few days later they say that my loan was denied because I did n't send them the paper work in a timely manner. They always request the same information throughout the loan modification process. Even if I had already sent them all the paper work they require. I reach out the Ditech on an everyday basis to find out if am missing any paper work do they need any paper work they say no and a day later they say your application is denied because you did n't send the proper paper work, than I have to start the process all over again. Threw the months I reach out to Ditech they say my account is in review and they ask to send paystubs and bank statements witch I always oblige and send the next day. The final straw came On XX/XX/2016 I reach out to Ditech Financial to check the status of my loan they say it 's still in review and they inform me on XX/XX/XXXX my loan will be service by XXXX XXXX XXXX. When I reach out to XXXX XXXX on XXXX XXXX they told me that it will take 15 days for my paper work to be transfer from Ditech Financial. When I call XXXX a few days later they told me that this investor does not do Loan Modifications and I would have to make the past due balance, Pay the loan completely or do a short sale and if not my house will be in foreclosure. One thing I do n't understand is that I told XXXX XXXX from Ditech ( XXXX. XXXX ) that I was getting statements, he told me not to worry about it because the account is on hold. If the account was on hold why is XXXX XXXX XXXX inform me that the account is delinquent and I have to pay XXXX dollars to restore the loan. My soul purpose for going through this hard ache is to stay in my home because this home is the only thing I have to remind me of my father and he work too hard to purchase this home and for it to be lost. At this time I 'm trying to see if I can refinance my house with another company or to see if I can pay the late charges with a loan.
For the past several years I have been paying my mortgage payments via electronic payments from my XXXX account and never had problems with the mortgage companies receiving the payments. This time though Specialized Loan Servicing company claims they have not received my payment, which was sent on XXXX/XXXX/2016 electronically and should have been received by SLS on XXXX/XXXX/2016. We called them today with my XXXX Bill Pay support and although XXXX provided a support that the payment went out to the right address and account number, SLS states they did not receive the payment. It 's a messy and shady company with questionable accounting practices and arrogant customer service. I 've never in my life been late with any payments and I will not allow this XXXX company to spoil my credit. Please kindly review this matter and help me to deal with them. I just do not have any confidence that they know what they are doing. How the electronic payment can get lost or not received, if for the past year and a half was sent in the same fashion, to the same address and account and I have not had problems.
Applied for CHASE IHG credit card with promotional offer of one free night at any property upon renewed annual year on XX/XX/XXXX. Chase has recently changed the terms to properties less than XXXX points and has also excluded certain properties that are under XXXX points. As of now Chase is honoring this certificate for those who applied between XX/XX/XXXX-XX/XX/XXXX and nothing before.
I spoke with XXXX XXXX which at the time I was told they were putting notes in my file about contacting me. I have gotten numerous call in a single day over 4 each day and I also received a call on Sunday XX/XX/2019 at XXXX. Which I have read they are not allowed to call after XXXX. This company already has a class action against them for this very reason.
My loan allows a prepayment of 20 % per year without penalty. In XX/XX/XXXX of this year I contacted the mortgage servicing company, Shellpoint to clarify the exact amount of prepayment within the 20 % margin. The phone rep said she would forward the request and I would get an answer within a week. Several weeks passed with no contact. Then in earlyXX/XX/XXXX I called again and the rep recommended I just make the request on line. So on XX/XX/XXXX I accessed the Shellpoint website and requested the prepayment amount on the loan. A week later someone forwarded me a copy of several pages of the original loan that cover the 20 % prepayment allowance ( attached ) but again no dollar amount was provided. The next day I called again to request a specific dollar amount and again the rep said they would forward the request. Several weeks passed again with no contact. I called again on XX/XX/XXXX and this time I wrote the rep 's name ( XXXX ) who also promised to submit the request. She said I should get the dollar amount within 5-7 days. After no follow up contact I called one final time and spoke to XXXX who said she would pass the concern to her supervisor named XXXX. I have not been contacted since. This is ridiculous and unacceptable. Just asking for 1 simple dollar figure and nothing more.
I have unknowingly been paying PMI insurance, an overpayment I estimate to be around {$7000.00}. They said they would refund {$900.00} of that ( about a month ago ), did not, nor did they respond to a demand letter from legal counsel.