WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX our home was damaged during the Harvey Hurricane. Insurance paid  {$160000.00} for repairs. I sent the endorsed check to the loss draft department at US Bank. I have struggled to get money from them from day one. The first check of {$25000.00} took 30 days for them to return to me after they received the check. This stalling to pay me the money to rebuild my house has delayed me by at least two months. Every time I have called I have been apologized to and told " I am sorry XXXX XXXX but that employee told you something incorrect '' and the process starts all over again. I passed the 95 % completion on XX/XX/XXXX and was told my money would be on the way. Nine days later they are telling me they will not release the funds because the cabinets were no painted and two tiles were missing from the bathroom. 

I truly believe US BAnk is holding as much money as they can for the daily interest. My little {$160000.00} means nothing. When you add up the 300,000 homes damaged in the area, the daily interest on that would be huge. I have not been treated well by US Bank. What more do I have to do to see this complaint through to the end? 

The only reason I got two payments behind is because US Bank called us. They said " WE would like to help and offering a 3 months house notes differed to the end of the loan. At the end of 90 days they called and said we owed three house payments. How would that help us. We used what should have been house notes for repairs. How could setting us up with a changed story at the end of 90 days help anyone. I have never even been late on my house notes in 15 years. Now they are calling and threatening us by saying they " Could '' send us to foreclosure. 

So to recap. US Bank called and said we would not have a payment for 90 days, those payments would deffer to the end of the note. We used the mortgage money for repairs, they called at the end of 90 days and said they want all three payments. We are a payment behind. Behind because we used all of our money to get the house fixed because nUS Bamk is so slow getting us the money. Now they are holding the rest of the money and stalling our final payment of over {$90000.00}.
I called XXXX for Citibank XXXX XXXX to dispute a charge. An internet company continues to charge my card monthly for products I am not receiving nor did I order. I attempted to dispute the charge and change my credit card # so this does not happen. I was asked by customer service rep in the XXXX, where the call routed to, for my credit card #, social security #, address, birthdate, security passcode and then my personal bank and checking account #. I gave all the information requested except for my bank account # and they refused to access my account. I escalated the call to supervisor and attempted 4 times to reach a United States Rep because I will not give my checking account # to any stranger on the phone and that is NOT required to access my account. I think this illegal and should be stopped. Please advise
I contact AD ASTRA RECOVERY SERVICES at XXXX to advise that I did n't apply for this loan. They confirmed with me that the loan was applied for in my name but the money was deposited in a bank account for XXXX ( XXXX ). I have disputed this with the collection agency as well as the credit bureaus and I am still dealing with this showing up as a debt. Per the collection agency I requested a payday loan. Then paid it back and requested another one. I have followed all of the steps needed to get this removed off of my credit including filing police reports and going as far to give the collection agency XXXX phone number and address. Please help me with this credit agency that is harassing me and ruining my credit.
I have a car loan with PNC bank. In XXXX of 2014 I sent a payment of {$250.00} in the form of a money order. PNC bank lost my payment. After that mishap I began to submit. my payments online, via bill payment. Now this month I submitted a payment of {$300.00}, online as before, they will not release the money to my account. I have proof that I sent the payment and PNC bank still refuses to accept the payment.
I opened an account wi th Citibank for a {$500.00} promotion. I had to open a checking and savings account and put {$50000.00} in within 30 days. I also had to switch to paperless statements. I followed all the directions on point. They decided to close my checking account without prior knowledge nullifying my credit to the {$500.00} even though {$50000.00} is still in the savings. This was deliberate in an attempt to deny me the prom otion.
Hi, I 'd like to file a complaint against the following company : Coinbase , Inc . 
XXXX XXXX California United States I have the following trading account username that I 've been using for trading with Coinbase / XXXX ( XXXX is owned by Coinbase ) : XXXXXXXXXXXX I have attempted to withdraw my money out of Coinbase using the XXXX withdrawal method on the following 2 days ( 2 separate transactions ) : 1st transaction : XXXX ofXX/XX/XXXXXXXX XXXX : XXXX -Withdrawal reference : XXXX -ETA of supposed transaction arrival into my bank account ( quoting an e-mail confirmation from Coinbase ) : " XXXX will arrive in your bank account by XX/XX/XXXX. '' 2nd transaction : -XX/XX/XXXX of XX/XX/XXXX -sum : XXXX -Withdrawal reference : XXXX -ETA of supposed transaction arrival into my bank account ( quoting an e-mail confirmation from Coinbase ) : " XXXX will arrive in your bank account byXX/XX/XXXX. '' None of the 2 transactions have been processed so far, i.e. nothing has arrived into my bank account and I 'm missing the funds worth of XXXX ( EUR ). Hence they are already overdue for many days with these transfers ( from a XXXX law, the XXXX transaction needs to be processed within 2 business days XXXX. 

I should say that the previous XXXX withdrawals preceding these 2 transfers have been processed on time ( crediting my account no later than the 2nd business day ). 

I have logged a support case with Coinbase on the XXXX of XXXX with the following ID : Case ID : XXXX. However, I must say that the company owing me my money has not been very cooperative and I have not received any response as to when should the money be credited to my bank account. I tried to phone their customer center but it 's nearly impossible to get an answer from anyone ( was on the waiting line for more than an hour so I dropped out ). I even tried to get in touch via XXXX accounts dedicated to Coinbase support, still no luck. 

I need to point out that there have been numerous other cases from all the other different people that have been having issues with their XXXX withdrawals from Coinbase. So I 'm not the only one. 

I 'm attaching the following : 1 ) e-mail confirmation from Coinbase re. my 1st XXXX withdrawal transaction : XXXX XXXX ) e-mail confirmation from Coinbase re. my 2nd XXXX withdrawal transaction : XXXX XXXX ) Screenshot from the Coinbase web-portal confirming that those 2 last transactions are in PENDING state on their side, i.e. they have not been processed ( note the previous transactions as COMPLETED - they have been credited to my account, so no issues with the previous ones ) : Coinbase_screenshot.png ( Date of making this screenshot : XXXX oXX/XX/XXXX ) Please help me in resolving this issue. 

Thank you, Regards, XXXX.
there is a mix up on my credit report my credit report a man by the name XXXX XXXX XXXX credit has been mixed together his middle initial is the only difference we both have the same social number and the credit company it 's giving me a hard time because Their security questions they ask I can not answer because they are the security questions for the other person I have nothing on my credit report and he has multiple loan and credit cards dating back from when I was only XXXX and XXXX years old I 'm stuck in the situation where I have nowhere else to turn I tried to send them proof to Equifax and I have not gotten a response. XXXX I have nothing on the credit score the only thing that 's on that Equifax XXXX is all the other guys information there are XXXX addresses listed on the personal information XXXX of them are addresses from Tennessee I have never been There XXXX of them being in XXXX XXXX which that XXXX is my old address he has taken out student loans unsecured loans and have had credit cards he 's using my social security number
Hello, I am retired, and I recently had some trouble with my credit card. My husband and I are getting older, we are both XXXX. We recently hired someone to go over our finances, because at our age it is very hard for us to keep track of everything. Anyway our financial advisor went over our books and he asked us about some transactions that stood out and most of them we knew what they were, but one company we did not know. Our financial advisor researched the company and said that he was very skeptical of the company. When he called them they had no records for us and could n't tell us what exact business they were in. At that point we knew something was amiss. Since the transaction was done on my Wells Fargo Visa, I thought we were protected because they have a {$0.00} fraud liability thing in their contract. So we called them to report the transaction as fraud on XXXX/XXXX/2016. They told me that it should take about 7-10 business days. We got a letter dated XXXX/XXXX/2016, stating that the charges were valid and authorized, however I never authorized these charges and I told them that over the phone. They sent me another letter dated XX/XX/XXXX which said that because I continued to pay my bill that I authorized the transactions. I hate to say this but I am XXXX years old, and I always pay my bill. That is part of the reason we hired someone to do our books, because truth be told we are just not able to do it very well anymore. Me paying my bill has nothing to do with me authorizing the charges, I have never even heard of this company. I also filed for a reconsideration with Wells Fargo and stated that I had never heard of this company and that I always pay my bill. They sent me a denial letter for reconsideration dated XXXX XXXX.
I declared Chapter XXXX Bankruptcy in XX/XX/XXXX Case Number XXXX and the disposition was XX/XX/XXXX. However, on my credit report it shows my two mortgages OCWEN and XXXX discharged in the Bankruptcy as discharged. I have been paying on these two loans every month since the Bankruptcy. Please see attached mortgage interest statements for both mortgages. This is affecting my credit in a negative was. I feel this is incorrect and unfair.
I have 8 student loans thats serviced by Navient. I have been living at the same address for the past 5 years and Navient never mailed me anything about my deferment was ending and now they are reporting 5 of the 8 accounts are 90 days late. Tried to resolve over the phone agent stated she would retroactive forbearance since I never received any mailings and they did have the wrong email address. I emailed navient XXXX XXXX  and they told me to dispute with credit reporting agencies. So now have I disputed with agencies and cfpb, I want 90 lates removed at once, Navient is wrong.
Equifax mishandled my PII which has led to a breach that puts myself and millions of others at potential risk. I am disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it due to my line of work I am currently in : XXXX XXXX.
After reviewing my credit report I found this company  OVERTON RUSSELL DOERR reporting account number   XXXX   to my credit report I have no knowledge of this account I am requesting a Full Validation on this account. I am requesting for this company to cease any collection act-ivies including reporting t his information to the Credit bureaus without a full Validation
XX/XX/XXXX : Message online via transaction paypal for concert tickets XX/XX/XXXX : Sent XXXX $ to XXXX XXXX on paypal for tickets, fraud-never sent tickets XX/XX/XXXX : Called paypal, stated since it was friends and family transaction they could not refund-told me to call XXXX XXXX ( who I bank with ) XX/XX/XXXX : Called XXXX immediately, stated they could not dispute claim until money actually left my account. Guaranteed I would dispute and be reimbursed. 
XX/XX/XXXX : Dispute form completed, XX/XX/XXXX : Bank stated I can not be refunded since I did not use my debit card ( my checking account is hooked up to paypal-only have a debit card linked to this checking account previously hooked up ) Bank and paypal keep kicking the ball back and forth and I am not being refunded, but worse this fraudulent individual is probably still getting away with this with other innocent consumers.
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX, XXXX XXXX : Huntington Bank Customer Checking XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, EMBEZZELEMENTS, CRIMINAL EXTORTION, MISREPRESENTATION, MURDER Parents Estates XXXX COUNTY XXXX OHIO, XXXX XXXX XXXX XXXX Father LIVING, Mother XXXX XXXX XXXX XXXX COUNTY Estate XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Mascot XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX Bank {$300.00} US Treasury XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio Commute Huntington Overdraft Fees Food Items, Substitute Checks Ohio Court of Appeals Fifth District Court Filings. Experience XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX XXXX XXXX XXXX University
My original mortgage company sold our mortgage to a company called Specialized Loan Servicing Company. They are refusing to send us a monthly statement showing what our payment date is, escrow, principal, etc because we filed bankruptcy in 2011. This company has a licence in XXXX, NY for a collection agency with no physical address. They also claimed that there is a investor in our home. I contacted the XXXX and this company has an F rating. We are current and up to date. I do n't know what to do, they will only accept payments from XXXX XXXX or direct access to remove payment from our bank account. We need help.
This loan was opened on XX/XX/2014 and is being reported as a joint account. This is not my debt. I have asked several times for this account to be removed from my credit report and was unsuccessful. I need to see the contract and my signature that they are claiming that i signed. This account has negatively affected my ability to receive credit from creditors and i would like it removed from my report.
I have a collection agency ( Midwest Service Bureau ) trying to collect a debt that is still tied up in a Medicaid appeal. I forwarded Midwest Service Bureau the directions and explanation by the State of Kansas to return this debt to the creditor ( XXXX ) and have the creditor ( XXXX XXXX XXXX. ) file the claim with the State of Kansas Medicaid. I have also requested Midwest Service Bureau remove the negative on my XXXX credit reports while this debt is returned to the creditor 's responsibility ( XXXX XXXX XXXX. ) to file with the State of Kansas Medicaid. In reply I received a handwritten letter from Midwest Service Bureau dated XXXX XXXX, that I have until XXXX XXXX to contact them ( Midwest Service Bureau ) in paying this debt. Midwest Service Bureau also enclosed a very unprofessional billing that appears to be a old bill from the creditor itself. ( XXXX XXXX XXXX. ) But there is large areas blacked out by a marker or something to hide something. Then below is a list of + and - dollar amounts that have no explanations. I requested a debt validation and this is what I received along with the XXXX XXXX deadline to contact Midwest Service Bureau. And no street address given. Just a XXXX XXXX XXXX
I have had a problem with the company that in financing me a automobile, I made a payment late by 1 day and they have reported the information as late 30 days. The error has been recognized by Ally Financial but they have not taken steps to correct the data and/or adjust or order the adjustment of the information they are providing to the CRA 's ( XXXX, XXXX and XXXX   ), furthermore I am asking that they update my file in accordance with the guidelines set out in the FCBA and the FCRA.

Payment was late by 1 day and they have illegally reported it as 30 days late.
My mortgage used to be with XXXX. They sold it to Rushmore Loan Management Services last XXXX. I received a letter from Rushmore in XXXX or XXXX saying they needed proof of current hazard insurance. I received another letter from them in XXXX saying they needed the proof or they were going to buy insurance and charge me for it. I got the proof from my home owners association and submitted it online. I received an email saying it had been accepted. Two days ago, XX/XX/XXXX, I got a final notice letter from them saying they've already bought the insurance and I have to pay them for it. How is it a final notice if they've already bought the insurance? I called them yesterday and was told that what I submitted online was not sufficient. They want my unit number on the master policy. I tried to explain to the woman I spoke to that it's a master policy, it covers every unit in the complex. That didn't work. So I'm having to jump through hoops with my associations insurance broker to get this taken care of. I think their request is ridiculous and unreasonable. And I think it's a way for them to charge me for insurance I don't need. I feel like I should get an attorney because I can almost guarantee you they're going to want me to pay for their insurance. What a scam. They also wanted my personal homeowners policy. Why do they need that? 

Please read the reviews on XXXX for this company. Clearly there is something very wrong going on there. I shouldn't have to refinance my mortgage loan because of a crooked mortgage company. And I will not pay for their stupid insurance.
Today  XX/XX/XXXX  I was made aware that Barclays Bank Delaware made the decision not in my favor regarding an Identity Theft Report filed and a Fraud Affidavits provided to the company .Barclays sold to  XXXX   XXXX   XXXX  and  XXXX  and  XXXX   XXXX  accounts that were  open fraudulent without my approval or permission, Barclays sold the accounts to 2 outside  collections agencies knowing the accounts for reported fraudulent in  XX/XX/XXXX , this is not ethical, instead of correcting the problem Barclays sells the accounts to collections agencies.
I have credit inquiries from XXXX and Experian that are fraud. I had a similar problem earlier this year each bureau should have a police report and fraud affidavit on file the following were not made by me. These are all Fraud.

1.XXXX XXXX 2 . XXXX XXXX XXXX 3. XXXX XXXX 4.XXXX XXXX 5.XXXX
Payment on Private student loans is not allocated appropriately on multiple occasions. Efforts to correct errors through XXXX XXXX ( now Navient ) representatives has been met with repeated refusal. 

A substantial majority of the monthly payment is allocated to the private loan with the lower interest rate and the smaller principal balance. Instead, a majority of the payment should be allocated to the private loan with the larger principal balance ( which also happens to have a higher interest rate ). 

XXXX XXXX 's ( now Navient ) errors are consistently in the company 's favor because the allocation method used have been frequently applied so that my loan with a lower interest rate is paid off before the loan with a higher interest rate ( and larger principal balance ) In the attached documents, please note that the loan noted as " Loan XXXX '' or as " XXXX '' had an original principal balance of {$32000.00} and has a current interest rate of 3 %. The loan noted as " Loan XXXX '' or as " XXXX '' had an original balance of {$28000.00} and has a current interest rate of 2 %. 

For example, XXXX the attached document will show that my payment of {$430.00} on XXXX XXXX, XXXX was misallocated among the XXXX private loans within a Billing Group. {$250.00} of the total was applied to Loan XXXX with a 2 % interest rate, while only {$180.00} of the total payment was allocated to the loan Loan XXXX with a 3 % interest rate and a larger principal balance. 

In another of the attached documents, a portion ( {$24.00} ) of the {$51.00} payment is applied to the principal of the loan XXXX ( also known as Loan XXXX ) with the lower interest rate while none of the payment is allocated towards the loan XXXX ( also known as Loan XXXX ) with the higher interest rate. 

The third document shows a similar allocation error made on a payment in XXXX XXXX, XXXX. It is included as an example. There are many similar allocation errors made during the course of loan repayment The attached document is only XXXX example of this same allocation error that occurred a number of times until, after repeated requests, XXXX XXXX agreed to separate my XXXX private loans so that they are no longer in a Billing Group. 

After reviewing my original promissory note, I can find no justification for these loans being originally placed into a Billing Group, where they remained for almost 8 years until they were separated. I can see no benefit to me as a consumer that my loans were placed into a Billing Group ; however, the multiple allocation that XXXX XXXX made over several years did benefit XXXX XXXX in that I was prevented from paying down my private loan with the higher interest rate ( and the higher principal balance ) in a timely manner. 

Since this allocation error has been consistent and persistent, I believe it to be systemic and purposeful - likely impacting many borrowers.
I gave my credit card number to XXXX for installation of internet service. I did not authorize any other charges on this card. I assumed as all communications service companies they would bill me direct after the installation was completed. The service had serious speed issues. Web page were at a constant slow crawl and would often time out before connecting. XXXX failed to correct these problems.. Please bear in mind that I was sold High Speed Internet Service. So after no action the first 30 days I called to cancel the service. I was transferred to XXXX XXXX and he talked me into continuing the service while they work on the issues. Another 30 days past with no action on their part and I called and cancel again. At that time the customer service rep told be they would cancel the service and send me prepaid postage boxes to return their equipment and send me a final bill, and that would be the end of it. Target Bank Redcard has taken it upon themselves to resolve this issue by billing me for a early termination fee that I should not even owe and while at the same time XXXX has also billed me direct. For a service I never received.
CBE group robo calling 5 times a day at all hours of the day and always just a recording can never actually communicate with a real person to tell the to stop calling. No idea who this company works for but it harassment plan and simple and I want them stopped