WillisBack/dataset-financial-user-claim huggingface dataset:
I visited XXXX XXXX XXXX in XXXX, GA in XXXX of XXXX. I updated my Medical Insurance information on the computer and returned it to the receptionist. She did not enter the new insurance company and so my information went to XXXX XXXX XXXX XXXX instead of XXXX. This is when problems began. I then in XXXX received a bill for {$930.00} for lab work. I immediately called the billing department and spoke with XXXX who seemed knowledgeable. I told her I was not paying on this bill until I got a proper bill from them. She agreed and said she would note. Then after that at I received a bill and starting paying on it. It took about 3 months before they rebilled me. I made payments and have records of every single bill I paid. I missed maybe two payments because of a death in my family and the fact that they did not always send me a monthly bill. I had unexpected bills from the funeral. So I made a payment on XXXX XXXX over the phone with the billing department for {$50.00}. I asked the lady if I could pay it in full and get them to reduce the bill. She said let me check, after about a 5 minute hold she returned saying yes but it would be {$590.00} to pay if off. That was {$120.00} more than the actual bill. I said well I will continue to pay the {$50.00} a month. The next week I get a bill from LCA collection agency. I called XXXX and asked why the lady in billing did n't say anything to me on XXXX XXXX, XXXX when making the payment. No answer. Just simply stated that was nothing they could do. I beg for some compassion and mercy. My house had been hit by Hurricane XXXX and is not live able and still after a 109 days I am still not back in my house. I would like to know why they charge interest on a medical bill. No other Dr. that I see does that not even the hospitals in this area. Also, they claimed they sent out a bill stating I was going to be turned over to a collection agency and I told them I never did. It then took them 12 days to send me XXXX. I have gone to their website and read there reviews and I am not the only XXXX. I simply needed a little kindness. I guess that does n't exist in this world anymore. Please help in anyway possible and if you ca n't help me at least make sure this does n't happen to anyone else who sees XXXX of these Doctors at XXXX in XXXX, GA
Please see complaint # XXXX ; We have received your response on behalf of Mr. Cooper, our loan # XXXX. The modification documents were reviewed for fairness and proper financial structure and it was determined that the most common and basic modification using 31 % of gross income and no other liabilities or circumstances were considered. As such, modification document signatures are being completed and forwarded.
Based on my research, I found out that my loan is a preditory loan ( Ajustable rate mortgage ), which clearly my payments are increasing without any reason or doubt and showing different figure amounts on the mortgage statement and violation is the loan pertaining to Truth n Lending and RESPA. I also found out that Ocwen is under investigation due to no consent or license filed in VA, MD, DC to collect a debt form the homeowners. Therefore I would for the third party debt collector to be investigated and Need to know who is really the secured party. the Orginial servicer showing on my Deed of Trust and the Note no longer in business since 2007.
I also Receive a document disclosed stating that Ocwen loan Servicing acting on behalf of XXXX XXXX XXXX XXXX which clearly not listed as the note holder or on my Deed of Trust. nor had any contract dealings with the company.
I had a  Chase Cr edit card in  XXXX  and it became delinquent, due to an illness I suffered from my inability to work. I had the, out of work protection on my account and they were still charging for that protection but they never paid the bill. Fast forward to  XXXX , a law firm  XXXX  and  XXXX   XXXX  has placed a lien on my account but I have never received any documentation   in regards to going to court or anything. Chase would/had never supplied me the Collection agencies information.
So basically here is why I am reaching out to you all for some assistance : 1. I am a current Chase mbr 2. My account has been locked and my access blocked w a high   bal.  XXXX   3. Credit card was only {$5000.00} 4. Never received any court documents 5. My military son is on my account
I have XXXX accounts with Bank of the West and I had a {$1600.00} hotel bill go through my checking account and posted online as XXXX XXXX on XXXX XXXX when it was no where to be seen on the XXXX. They are back to the old habits from the class action suit of taken the highest amount and moving it around to hit your account with the most fees. It should be just one fee for the {$1600.00} bill since I did n't transfer funds from one account to this one in time, but they shifted it to make everything else fail and left others pending to hit the following day. They would not have cashed a check and given me {$220.00} at the ATM on the XXXX if that bill had gone through on the date they claimed and I had a negative balance. The {$1600.00} bill just went through on the XXXX and the changed dates around on my online account for several items to make a killing in overdraft fees. I have been monitoring my account. Items that should have cleared days ago were then sitting pending so they can sock me again the following day. It 's class action stuff all over again. 
When I tried to transfer funds from another Bank of the West account during the night to make sure I had enough in my main account so they would n't hit more overdraft fees, they stopped the transfer from happening for 6.5 hours when it has always been instantaneous since they offered online banking. Amazingly they hit me for another {$140.00} in fees and then allowed the transfer to take place. After complaining about {$280.00} in fees in 2 days that put the account negative again, they refunded {$35.00} and before I could deposit or transfer more, they took the {$35.00} back again for the day. {$310.00} for one transaction that occurred after all the others until they started juggling the dates and putting the largest one before older ones to maximize their profit. 
If XXXX the accounts of people who have been with them for nearly 20 years is how they do business, they should be ashamed. I did a transfer this morning, XXXX XXXX, online before business hours and it happened immediately. Guess that 's because I already had a positive balance so their computer 's did n't automatically hold it up to get more fees like the day before. Their computer algorithms should be inspected by the government for the rigged game their bank plays.
Santander consumer usa XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX i have gotten a car loan from them on XX/XX/XXXX and still paying on this loan as of this day. i had one previous problem in my family where my husband had lost his job back in XX/XX/XXXX i explain this to them how ever they didn't care and still until this day still don't care about any one. ever sense then we haven't miss another payment after my husband got a good job so i kindly ask them to please remove those late payment from of our credit report. because we are in the process of buying a house. and its affecting us, unfortunately the answer was no. 
it should be illegal for a company like Santander to do this to there will paying clients it was a verse time in our life and they took advantage of the situation, i don't remember how many time we were late but on some the credit reports they are reporting 5 time and others 6
XXXX XXXX is reporting 30,60 days late in which is incorrect and I have disputed and I also have asked to see and or know the method of verification and the description of the procedure used to determine the accuracy and completeness of the information with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and I keep getting back that it has been verified but they have not provided me with any proof as I have asked as I know it is incorrect. Equifax also is reporting this account open when this account has been closed since XX/XX/2017
I called on XX/XX/XXXXto schedule a payment. One on XX/XX/XXXX for {$100.00} on the smaller student loan and another one post dated for FridayXX/XX/XXXXfor {$300.00} on the bigger loan when I get my direct deposit. However looking at my account the post dated payment was processed onXX/XX/XXXX and not on XX/XX/XXXX. This caused my XXXX credit card payment to return as non sufficient funds along with my XXXX payment I had scheduled online. I had enough to cover those payments at the time. This caused NSF fees on my bank account and late payments that were already schedule. If the post dated payment wouldve been processed on XX/XX/XXXX none of this wouldve happened. This isnt the first time I come across with issues from this company. Not too long ago my payment was misapplied, I called complaint and it was fixed, but now with their incompetence Im getting fees on my account, my other creditors payments returned, and affecting my credit history.
I am being harassed by a debt collection company under the name of NAS Group, in regards to an old debt from over seven years ago, that was previously resolved via CRA dispute. The original company was XXXX XXXX XXXX, which the debt was bought by more than one collection agencies most recently XXXX XXXX. 

I am receiving around 20 calls per day from NAS on my landline and mobile phone. 

A man with the name XXXX XXXX has left intimidating calls with my senior mother and even after business hours at XXXX. Most recently he threatened to file a lawsuit against me and to garnish my wages and tax returns. 

I would like for this company NAS who utilizes false business names and phone numbers to stop harassing and intimidating me
XX/XX/2018 XXXX XXXX XXXX XXXX I have a gift card that was supposed to be XXXX dollars but it says that XXXX dollars only has a balance XXXX cents.
Keep getting daily phone calls and voicemails from XXXX indicating to call back that I 'm involved in a very important matter for over a week.. So finally called back. Lady indicates their customer has contacted them wanting to be paid back for a payday loan. Would not tell me who she was or the customer. Also indcated that when applying for payday loans ( which I 've done and paid off well over a year ago ) that there us a XXXX company involved that also gets paid but is either not disclosed or in very fine print. She said she would email me documentation but has yet to do so although has called again. 
I googled the number and see many complaints of same voice mails and apparently part of a scam.
I sent several letters let Experian know that XXXX XXXX Bank, XXXX is not the owner ofthe debt any longer, they refused to remove it and stated that they will not investigateit any more, even thought XXXX is not the owner of the debt, I also sent a letter toXXXX XXXX Bank who sent a letter back stating that they are not the owner of the debt
CHASE RIPS XXXX XXXX OFF OF {$65.00} XXXX XXXX. SEE ATTACHED. 

SECOND ISSUE IS XXXX XXXX COMPLAINS CHASE DEFRAUDS XXXX XXXX ON CHECKING XXXX XXXX XXXX XXXX OF 3 FRAUD CLAIMS IN 60 DAYS XX/XX/XXXX {$40.00} XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XXXX DISPUTES FRAUD OF XXXX THE FIRST FRAUD IS XX/XX/XXXX AND LAST FRAUD XX/XX/XXXX AND ALL 3 LIE IN 60 DAYS. THESE ARE THE THREE CHARGES THAT I DISPUTE. XXXX REFUNDED ME AND THESE WERE NOT FRAUD. XXXX IS HITMAN AND XXXX. SO THESE 2 CHARGES WERE REFUNDED BECAUSE I ASKED XXXX TO REFUND. XXXX REFUNDED ME. DONT CALL REFUNDS FRAUD.
XXXX client, XXXX XXXX is a victim of identity theft. While reviewing a credit report he found a fraudulent inquiry from Nationstar bank being reported to his XXXX and XXXX credit reports. This inquiry was made XX/XX/2018 and was done without his consent. In addition, his current home mortgage with Nationstar was accessed by the fraudster who then started the process of a home equity line of credit while on the phone with an agent from Nationstar ( Mr. XXXX XXXX ). Mr. XXXX never made direct contact with Mr. XXXX to verify if this activity was authorized even though my client has a 7 year fraud alert on his credit report. My client was made aware of this activity only after the finalized documents arrived at his home for him to sign and return.
Please help. Lenders cant pull my Equifax report. Im unable to pull my Equifax report no matter which site I use. Ive tried many sites. Ive called Equifax many times & no one can tell me what the problem is. Equifax stated they dont see a problem on their end. I know its not the potential lenders fault because I cant view it using any credit report website either. Please fix this as soon as possible it is a huge inconvenience.
We have been behind on our Home Equity Loan with SunTrust. We have been working with them on the XXXX mortgage as well as the home equity loan, but despite all the hoops we have jumped through for them, they have turned us down for a loan modification. Funny thing is that after they turn us down, they send us a packet saying they want to help us!!!! Now, we have finally found a way to get caught up on our XXXX mortgage, and I called the same bank -- Suntrust -- to get caught up on our home equity loan and they informed us they have charged off the loan because we are five days late. WHAT???? Yet, they accepted a {$300.00} payment last month ( XXXX ), a {$500.00} payment just went out, and I am holding in my hand a bill from them saying our due date is XXXX XXXX. How on earth can a bank charge off a home equity loan without sending out some sort of certified mail notification? I am shocked and disgusted by SunTrust. We have been battling with them for over a year over payments they have returned, causing us to be late ( we have proof from our bank but they wo n't admit they returned the money ) -- we finally caught up and now they are trying to charge off our XXXX when we have been sending money every month and are now literally sitting on the phone trying to get caught up. They are a joke and the whole idea of " let us work with you and help you keep your home '' is a fraud. I hope the CFPB can help us to hold them accountable for either their stupidity and incompetence or downright inhuman treatment of hardworking people trying to do the right thing.
My PayPal account was shut down without any warning. This was a major part of my income. They said it was because of the XXXX  that I was selling on XXXX however this is only one of the products I sell through PayPal and XXXX only contributed to a small portion of my income. I purchased the Caffeine from XXXX with PayPal and sold it to consumers and accepted PayPal so there was no way for me to know that this was against PayPals policy if i purchased it from a supplier that accepted PayPal and has been selling it for years and still is!. This happened on XXXX. There are only so many payment processors out there and if you get cut off from one like this your out of business! The XXXX  '' s were my personal information i blanked out. Here is what they said : Dear XXXX, A recent review of your account activity identified products/services on your website violate PayPal 's Acceptable Use Policy. Specifically, supplements containing unapproved drug ingredient such as : Pure XXXX, Powder, Anhydrous, 99.0 %, 20KG XXXX XXXX XXXX are associated with XXXX  ; XXXX XXXX XXXXXXXX and are not permitted on our platform. Therefore, your account has been permanently limited. 

Please remove all references to PayPal from your website/s and/or auction/s. This includes not only removing PayPal as a payment option, but also the PayPal logo and PayPal shopping cart. Please refer to XXXX  user XXXX  Per the User Agreement, when PayPal permanently limits an account due to a violation of the Acceptable Use Policy, any funds on your account are held for 180 days. In addition, y

ou may be liable for any amount of damages PayPal incurs for each violation of the Acceptable Use Policy. Note that should any chargebacks result in your account balance falling below XXXX, then you will also need to settle the amount owed to PayPal to avoid further action. Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts. 

You can find the complete PayPal Acceptable Use Policy by clicking Legal at the bottom of any PayPal page. 

Sincerely, XXXX PayPal, Brand Risk Management PayPal
This is my daughters student loan that I co-signed 10 years ago. XXXX of us forgot this and when she quite paying, Navient started calling me. I have called them and proposed a payoff amount to XXXX XXXX, Senior Collections Mgr. at XXXX. I have worked out the payoff deal with my credit card and it is a time sensitive offer which I have relayed in the several voicemails that I have left for XXXX XXXX. I have received no response. I have left another voicemail today requesting that she call me back and simply let me know she is working on this. Late this afternoon I received another collection email. There is no email address to respond to letting them know that I have been in contact with XXXX XXXX. I am asking for a response so that my daughter and I can move on. This loan started at {$5600.00} 10 years ago and because my daughter could not afford to pay more than the 10 % interest payments, the loan is now at an astounding {$8600.00}. She was too embarrassed to tell me this. I do n't want to accrue any more interest on this loan. I originally asked them to lower the interest rate and I would make the payments to them. XXXX XXXX XXXX told me she had the power to do that but would not. That is why I am contacting her boss XXXX XXXX.
Hospital Services Inc. has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Dear Sir or Madam, On XXXX XXXX, 2012 I signed a contract with US Bank to lease a vehicle for XXXX years. As of today, I decided to buy the car. I have called US Bank in multiple occasions requesting a clarification about the pay-off amount that does not reflect the exact amount stipulated in the contract. When I go over the clauses of the contract they mention different amounts that have not been reflected on the contract. The purpose of this letter is to report the abusive practices from US Bank. This financial entity makes up numbers and inflate the real amount due without providing any reason. For example : the residual value is always equal to the purchase price plus tax or any fee. In my case the residual value was different to the purchase price without applying any fee or tax. In the contract appears reflected that if I exercise my option to purchase the vehicle no additional fees will be applied. US bank still charges additional fees in a clear violation of this clause. As I have already mentioned, I have called XXXX times and they never provide any explanation. I would like to report US Bank for abusive, usury and misleading practices.
XXXX has been non-compliant with removing the unverified account BB & T which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BB & T 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.
I paid my credit card on time and paid the balance in full every month. 

Now Capital One is saying there is fraudulent activity on my account because They are making no interest on my account. Although my account is paid in Full I ca n't use my account because they say they have to investigate fraudulent Activity. 

Capital One is Discriminating against me because I am XXXX. I want An investigation into Capital One policy of Discrimination against XXXX Who pay their bills on time and they do n't make any interest on them. 

Waiting to hear you. 

XXXX XXXX
I have all my bank statements indicating I made payments faithfully for over 3 years. This is not reflecting in this new collection agency 's report and their tactics of calling me all hours of the day are disturbing and harrasing.
Multiple, repeated calls about a reverse mortgage to my mother 's phone. Today, after witnessing XXXX dead air calls, I took over my mother 's phone when someone was on the line -- they asked for my deceased father. I told them we were not interested and that my father was deceased. Less than an hour later they AGAIN called my mother 's phone, when I reiterated that my father was deceased the man proceeded to SCREAM at me HOW WOULD WE KNOW THAT? When I asked for the address so I could formally complain, he intentionally disconnected the call. I called back, and the call was again intentionally disconnected. 

While this has by far been the worst, my poor mother has been inundated with requests at her number asking for my father. My father was against reverse mortgages and would have never signed up to be contacted, in addition to my work in the mortgage industry ( not XXXX, however ). 

I firmly believe these groups are targeting widows and widowers in an attempt to have them make these decisions under the duress of grief believing it to be the decedent 's last wish. I have caught this particular one, but plan to submit reports on others as I gather facts. The screaming at me was just so beyond the pale and indicative of the intimidation tactics of this business.
Navient keeps ignoring my allocation instructions, as I am paying ahead on my loans. I write the instructions on a separate piece of paper when I send it in, and also call them before I mail the check with the instructions to put into the computer. They always say they are sorry and it wo n't happen again, yet each month I have to call back after I go online and see my payment has been allocated incorrectly. Dealing with them is 15-25 minutes of frustration each month.
This morning XX/XX/2018 as i checked my XXXX credit report, i noticed a collection from CREDIT MANAGEMENT LP with an open date of XX/XX/2018. I did not open an account with CREDIT MANAGEMENT LP or any original creditor. The original creditor listed does not provide services in my city or state. 


This Debt was disputed and removed from XXXX  approximately XX/XX/2018, because it did not belong to me and could not be verified or validated. It appears after this debt was removed and deleted by XXXX, the previous collection company XXXX XXXX XXXXXXXX XXXX sold it to another collection company after it could not be validated. 

This in clear violation of the FDCPA which carry 's {$1000.00} fine not including attorney fees.
I disputed several unauthorized inquiries being reported on my Equifax credit report on XXXX XXXX 2015. The response received from Equifax on the very same day XXXX, XXXX 2015 was " Inquiries are a factual record of file access ''. No investigation with the source was even attempted regarding the unauthorized inquires. 

Equifax must reinvestigate ANY dispute under XXXX ( a ) ( XXXX ) ( A ) : XXXX. Procedure in case of disputed accuracy [ XXXX U.S.C. XXXXi ] ( a ) Reinvestigations of Disputed Information ( XXXX ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.