WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a home refinance loan and used an appraiser my lender sent. The appraisal came back significantly low and I was not able to get qualified. This was a poor appraisal because it did not accurately reflect my home worth. 
The appraiser used homes outside my subdivision even though they are still building in my area and new homes have sold. The current builder in my subdivision has starting prices higher than what I bought my house for. I contested the appraisal by submitting additional sold homes in my area but nothing was taken into consideration I submitted. My old realtor found a higher value based on sold homes in my area. My county property tax appraiser would not even honor the vendor 's appraisal because they said it did not reflect the area and did not " feel comfortable '' lowering my taxes to reflect that value. I have supporting documents but not at this time of completing the complaint. Documents can be submitted as needed.
I scheduled a payment online for the due date. It did n't go through and I was charged a late fee. The late fee was removed but my account still showed that the payment was late. This is the second time something like this has happened while I used their online payment service.
Hi, After trying to cancel automatic payments with Navient and reading the high ratio of complaints about this company, it needed to be sent to your office. I'm sure this company has been reported in the past. My payments to Navient have been set up for automatic payments since XX/XX/2012. The amount is around {$240.00} on the XXXX each month. On the Morning of XX/XX/XXXX I went on my Navient account online to cancel the auto pay for that month. They make it difficult since the option doesn't exist online. All utilities and monthly payments I have set up with othercompanies make it very easy to cancel if needed. Navient doesn't allow this. Given the extra payments in the past, this means my balance due each month is {$0.00}. Yet I continue to automatically pay each month to pay it off. On the XXXX I called their office and to my surprise was put on hold after this simple request. 
This is where the unethical part takes place. 

I clearly stated my intention to stop auto pay and I would establish it next month. They tried to sell me a deference. They were selling the ability to delay months and months of payments. It's clear the intentions were for the additional interest and fees it would bring in. With a balance due of {$0.00} and 6 years of on time payments, why else would they make months of no payment sound good? I reiterated to cancel the auto pay. After some time he confirmed. I received an email and document stating this. On XX/XX/XXXX I received an email thanking me for my payment. I had my bank deny it. Called Navient and they said I stopped the payment on Friday and reinstated it on Saturday. Being in IT Support and IT Admin the last 9 years, I'm not one to accidentally log in and accidentally establish the payments. On XX/XX/XXXX, Navient took out that monthly payment successfully. Between the unnecessary promotion of deferring loans, re-establishing auto pay without permission, and continuing to attempt to take money on a {$0.00} balance, this is a company that should be looked at. Thankfully I'm in a position to not let this effect my month. But if the request to stall payments came up it is not easy at all even after getting email and verbal confirmation. For some, that theft of money could set them back in various ways. Attached you'll see a confirmation of the cancellation on XXXX. You'll also see it get re enrolled on the same day. I didn't do that enrollment. The following week on the XXXX, I did. My goal was to skip one month since the balance was {$0.00}. 
Thank You, XXXX XXXX
Hi, I made a mortgage payment twice accidently in the month of XX/XX/XXXX. I brought this issue to the mortgage company and they issued me cashiers check in the month of XX/XX/XXXX. Unfortunately, I didn't deposit the cashier check and it got void by the time of deposit in the month of XX/XX/XXXX. 

I called the mortgage company to reissue a check because I can't deposit the void check. The cashier 's check was with me and it is not deposited for sure in my bank account. The mortgage company was told that the check was cashed. I called so many times and they are not responding properly, I feel that it is a kind of harassment because I am a XXXX.
Ref : CFPB Consumer Complaint ID # XXXX. 
I have been a customer of M & T Bank ( and Wilmington Trust which it took over ) since XXXX. M & T Bank insists it needs additional information from me such as my drivers license number and my occupation in order to comply with XXXX, and XXXX regulations. 
However, all public information I can find says that is not the case. 
All indications from the government is that the XXXX only applies to new customers ( after XXXX ). 
Here are links to back that up : XXXX XXXX XXXX XXXX # XXXX Since I have been a customer since XXXX, I am not covered by those rules. Please provide me a link to information indicating I am wrong if you disagree. 
Note : I have attached the letter I have received as a result of you sending them my first claim. But as you can see the letter is just a restatement of their claim that they are required to collect this information but does not address all of the links from government sources that say they do not. They state that XXXX regulations require that but yet another link XXXX # XXXX directly refutes it. So if the CFPB just sends my complaint again to M & T Bank it is not clear to me how I am going to get anything more than just another similar letter that just claims they have the right to collect information with vague reference to rules that they claim say they do without providing clear enough references ( links ) that I can look-up and validate their claims or something that shows that the multiple references I have consistently provided are in fact outdated and incorrect.
I've let this agency know that the balance was for a hospital stay from my ex-wife years ago. I've also asked them not to contact me by any other means than my PO Box address given to them. They continue to call my phone and, more recently, have called my workplace looking for me -- contact information which was NOT given to them and a phone line that they are not authorized to use. Yesterday, XXXX-18, they left a message on a company telephone number that's used exclusively for customer service which means that they made a guess at where I work and searched online for an alternate way to contact me over a debt that I did not generate.
I received a XXXX  back at the end of XX/XX/XXXX. At first they stated I wouldn't have to pay the loan back until starting end of XX/XX/XXXX and on the app I downloaded it stated on there as well. I got a notification that instead it was a mistake and it was adjusted to start in XX/XX/XXXX or XX/XX/XXXX on the app. I didn't receive a letter in the mail. A few weeks go by and I see an alert on my credit report stating that I was behind in payments. Yet I NEVER got anything in the mail about when payments would be do. On XX/XX/XXXX I logged on to the app and paid a payment of {$120.00} which was deducted from my bank account on XX/XX/XXXX and a few months go by and it still says on my credit report that my account is past due. I log into the app and the payment still said It was pending. It was never updated to show the true balance. I had to email XXXX  customer service and they stated it would be updated in the system but it still says pending. And it reports every month as late. If I never got a statement in the mail stating by when and how much is due by a certain date how is it fair that it reports late on my credit report? I never got any type of communication with this company about it.
XXXX  has not provided proof of this debt they reported to  XXXX  and Transunion since  2015 . I have asked both agencies to remove this debt or provide proof of the actual debt.
Ive had fraud reported from other credit reporting companies based on information that was breach by Equifax. Ive called Equifax mutliple times from XX/XX/19-XX/XX/19 but every time I call I am told the systems are down call back in one hour. The customer service representatives cant even tell me the last time their systems worked. I was also not allowed to speak to a supervisor. How can I fix this issue with fraud when the credit report company is the problem???
HSBC Bank was a revolving credit account I opened in XX/XX/XXXX. I filed for XXXX XXXX Bankruptcy on : XX/XX/XXXX, and HSBC was included in the filing. I paid on this account for over two years after filing bankruptcy until HSBC Bank discovered I filed for bankruptcy two years previous, and my account was closed. The closing date that this account was reported to XXXX was XX/XX/XXXX, which should have been corrected as : XX/XX/XXXX. 

I sent previous letters to HSBC Bank with no response. My most recent letter was faxed to their correspondence department on : XX/XX/XXXX, and I have never received any response from HSBC or to XXXX. I requested that HSBC contact XXXX regarding the error to update, and correct the closing date so XXXX will delete the account with HSBC Bank from my XXXX file. 

XXXX has never had any contact by HSBC to remedy this correction. HSBC Bank has been the most difficult business as they will not respond to my letters, and after charging-off my account, they generated XXXX electronic checks, and withdrew funds from my personal checking account without my knowledge or authorization in XX/XX/XXXX.
XX/XX/XXXX, we used a check from CitiBank for a balance transfer of {$14000.00} with zero interest for 17 months. We always pay off the balance before the deadline when interest starts accumulating. We put the payments on autopay to be sure they would be paid every month. When we went to pay off the balance, we found that 14.99 % interest had been charged for every month from the first month. Citibank stated that the balance transfer check was expired. First of all, there was NO statement on the check stating that if it was cashed after the date of XX/XX/2015 that interest would be charged. No Citibank representative ever attempted to contact us to inform us that the check had expired and that there would be interest involved with the use of the check. This is a gross misrepresentation. We have been Citibank customers for over 10 years and they will not review our case beyond saying they will credit only 2 months. We receive balance transfers all the time and there was no reason why we would choose one with interest over another one.
I was trying to do purchase on ebay and pay through paypal and actually the seller is Paypal ( Paypal digital gift cards ) and all my transactions are declined for straight two days ( XXXX/XXXX/2016 and XXXX/XXXX/2016 ) When I contacted them they said they issue is resolved and when I tried it again it did n't work. Then I called them again and talk to supervisor named XXXX ( ID : XXXX ) and first level support is better then this guy answers. Some of the answers are given by him are hilarious 1. " If your transaction keeps failing then you should not buy that product ''. - Paypal ca n't dictate me what I can buy or I ca n't buy. 

2. When I told him that I wasted lot of time calling you guys multiple times- His reply was " I did n't told you to call Paypal ''. If there is a problem then I need to call Paypal that 's why there is a customer service. He is implying do n't call customer service if there is a issue. 

3. He told Paypal ca n't guarantee a transaction I told that is fine but when there is a issue can you at least try to solve it he said " If the system thinks there is a security issue we ca n't do anything about it ''. When I asked when the issue will be resolved whether 1 day, 1 week, 1 month he said he do n't know and issue may not be resolved ever as well. 


I am not sure how such a guy has been appointed as supervisor and still continuing to do so. 

If paypal want to sell gift cards @ promotional price to only few customer then they should do targeted advertising. If they advertised in public then they should honor the purchase and should not block people based on the profile using security as shield to protect them.
Received the attached letters from FN regarding a check that they debited checking account for {$800.00} due to the check being only for XXXX I verified with my back ( also attached XXXX file and copy of check that the check clearly paid for {$800.00}. I immediately called FN on XXXX ( appx. XXXX ) to report and dispute, I was told that someone will call me back the next day. No one did! On XXXX appx. XXXX I called again. The representative said no notes were there. Find that hard to believe. In both conversations I clearly stated the check was for {$800.00}, and even if the check was for {$80.00} I should have been debited on XXXX I explained to both of the reps that I do n't have credit for the {$80.00} if that was in fact true. I personally do n't think either rep understood. As I looked closer to the documents they sent - I realized another account information in included XXXX - no image of check is included only a deposit ticket. Personally I feel that this it could be another deposit or it 's the batch ticket. In any event I do n't think I should be in receipt of it.
I have written this company several times to remove this misleading account on my credit profile. They refuse to remove this fraudulent account that is ruining my credit rating that is preventing me from obtaining a mortgage. 

I have reported to ftc and sent Experian the paper work. They have still failed to send me proof of original contract for the fraudulent account. I need this fraudulent account remove immediately.
Green Tree Servicing is foreclosing on my home when they DO NOT OWN THE MORTGAGE and legally can not foreclose long with the fact that they do not service the mortgage either. I contacted Green Tree they claim they are not foreclosing yet the law office claims that Green Tree is in fact having them proceed with the foreclosure even though they do not service it or own the mortgage not to mention that the documentation I have requested for the last 6 years regarding the note and payment I have not received
Continental Finance is refusing to give me vital account information. No where in its terms and conditions that are given to clients does it state that they will not give you your account information when requested. I need the account information for insurance purposes and all though I was verified the bank refused to give me my account information in any form. Either over the phone or via mail upon request.
Keeps call 7 times a day. Also early in the mornings and on Sundays and wo n't let up. 


AMAZON
As of XX/XX/2018 there is a collections account from Williams And Fudge showing on my XXXX report for {$6000.00} with XX/XX/XXXX as the date opened listing XXXX  as the original creditor. 
First, I have never owed XXXX any money, and I have received no mail from them requesting money from me. Secondly I have received no notice Williams and Fudge you regarding the debt this is a violation of FDCP. By doing so the company has also interfered with my right to contest and verify the debt. 
This account needs to be removed from my credit report immediately as it is not only frivolous, but the rights allowed to me regarding the matter were infringed.
I like to start by stating my complaint is with the company Coinbase, which is a bitcoin wallet. On XX/XX/XXXX at approximately XXXX XXXX  after having to replace my phone device I attempted to sign onto my Coinbase account. I was able to enter my user name and password correctly but as a secondary precaution Coinbase also requires the use of an authenticator code. However, with the replacement of my phone I lost access to my authenticator app. Not having the required authenticator code there is an option from Coinbase to submit a license and selfie to gain access to my account. I have attempted to gain access using my photo and ID over 11 times with a denial every time. I reached out to Coinbase on XX/XX/XXXX via phone and was told to keep trying that there was nothing else they could do. I reached out again on XX/XX/XXXX where I was told they were investigating the issue and working with a specialist to address it properly. I continued to attempt access using my License and photo with no luck. With no response I reached out again on XX/XX/XXXX, where I was told for a faster response to not continue to contact them and that my request has been properly escalated. As of XX/XX/XXXX I still have not heard from Coinbase regarding this matter. As of the last time that i had access to my Coinbase account I had roughly {$11000.00} vested. With not having access I have not been able to withdraw my money while watching the Cryptocurrency ascend and descend. This has been a very stressful journey.
Out of the blue, a negative credit item has appeared on my Experian credit report from XXXX XXXX XXXX XXXX, partial account # XXXX, with the original creditor OHSU Faculty Practice. I have never bought any services from this creditor, nor had an account with this creditor, nor have I any knowledge of this creditor or the original creditor. Apparently it is based on Oregon, where my ex-wife lives. I have been divorced from her for 6 years and she is no longer named XXXX XXXX but rather has the legal name " XXXX XXXX. '' I never agreed to enter into any joint account with her or have any joint responsibility with her. To have this account added to my credit report based on a date opened of XXXX 2010 and a date of status of XXXX 2010 is bizarre. This may be an obligation of my ex-wife but it is emphatically not my obligation. This must be removed immediately.
Wells Fargo has not honored the FHA guidelines. 
They have stolen my funds paid on my account. 
Did not follow the HAMP guidelines. 
Threatened and harrased me during my bankruptcy. 
Changed the amount in Principal to increase XXXX dollars
XXXX Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX   XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX   XXXX XXXX XX/XX/XXXX 11 ) XXXX  XX/XX/XXXX Equifax Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 )  XXXX XXXX XXXX  XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX   XX/XX/XXXX 6 ) XXXX XXXX   XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX  XXXX, XXXX. XX/XX/XXXX 11 ) XXXX XXXX XXXX XX/XX/XXXX XXXX Unauthorized Inquiries ; 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XX/XX/XXXX 8 ) XXXX XX/XX/XXXX 9 ) XXXX XX/XX/XXXX I have contacted each of these companies. Was informed by each that I needed to talk to credit bureau 's about removal. Sent letters to each of the 3 bureau 's by certified mail. To date nothing has been resolved.
Dating back to XXXX 2015 I was contacted BY XXXX regarding my auto loan. They claimed I was not paying my loan and reported me to the credit bureaus. I tried to work with XXXX, providing documentation, including trace numbers from the bank and they sent me in circles for months. XXXX Bank advised me to file a complaint with all 3 credit bureaus. All 3 bureaus refused to investigate despite the substantiated documents that the lease was paid on time.
On XX/XX/18 American Express called my roommate 's parents house looking for me. 
Ironically, I had stopped by for a brief 30 minute visit. When I was handed the phone the rep told me they were calling in regards to a missed payment that I was about 2-3 weeks late on of XXXX dollars. 

Shocked, I told the rep I would call back from my phone. After over 45 minutes on the phone American Express could not give me answers on how they obtained my roommate 's parents number. They stated I possibly had called from that number before, which I have never used.

I believe there is a possibility they could be getting 3rd party tracking data from my XXXX XXXX XXXX cellular device. I wasn't answers on how they even obtained the number and how they knew I was there at that random moment.
we are a franchise restaurant business group, some one broke my lock box of my truck between XX/XX/XXXX then he stole a way all of my checks and my other documents, after 2 days I was going to issue a check to my constructor for plumbing, I realized that my lock box got broken and my check book was stole, that day was XX/XX/XXXX I called chase right away, I told them I lost my check book please void all my checks, they did not ask me to close my account for security reason. after that I order a new check book from chase website, and then the guy who stole my check book start depositing my checks in different amount in XXXX times for {$44000.00}. I realized it a week latter because we have more than XXXX bank account I do n't really check my account. we called XXXX XXXX away after I realized it that was XX/XX/XXXX, three of us the XXXX OF the BUSINESE OWNER and the CFO AND the store XXXX, we told chase our account been stole money out plz freeze our account and made a claim for this happened. I thought this is done for losing money from my account! it is not! the guy deposit 5 more checks after we called and claimed!!! the total amount we lost is XXXX, I download all checks image what they deposit, I found something funny is 3 of the 24 checks I lost they did not even sign anything on the space where people spouse to sign, but chase still deposit for them without any signing, other than those 3 checks are all signed in different names! we got a call back from chase at XX/XX/XXXX they refused to pay us back for what we lost because I did not security our check at a safe place, but I told them I secured my check at the lock box of my truck but they want me to fill out a new police report because the one I gave them before I said I may forgot my check book at my truck, but what I mean is I secured the check book at the lock box of my truck, they keep using this point to fight me, my detector been calling me to ask chase call him back but chase never does! i been telling chase i am sure secured my check book at my lock box of my truck, but someone broken it in i can not protect it. we are really having troubles with founding now, we are out of cash flow, the construction of our restaurant must be stopped in 3 days because we are short of this XXXX
In XXXX, I had auto and rental coverage with XXXX through my employer which at the time was a state university in XXXX XXXX. After I left this position XXXX sent notices to my residence about the remaining balance for the coverage. I never received a breakdown of the costs of the coverage and the remaining balance. XXXX never offered an installment plan and my file was immediately sent to a company called Credit Collection Services in XXXX, XXXX.
this account belong is a fraudulent its not mine belong someone else I didn't authorize to this merchan DISPUTE XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$440.00} Balance Updated - Credit Limit - Past Due Amount {$440.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, WA XXXX Ownership Joint Account   Original Creditor XXXX Company Sold-to - Original Amount {$440.00} Comments