WillisBack/dataset-financial-user-claim huggingface dataset:
I was looking at my credit report today and noticed that I had a collection on all of my credit reports from Amsher Collection Services. This collection agency was hired by XXXX for cell phone services. I had paid XXXX their last payment my services where already disconnected. I disputed my XXXX bill several times with Consumer Financial Protection Agency because XXXX had taken money out of my account for my cell phone services that was not authorized. Also, it is documented that I was billed unfairly and the amount was not in the contract. Amsher Collection services stated that XXXX said that I still have a bill of {$360.00}. I have not had services with XXXX in almost 2 years so this amount is not accurate. I also paid the last balance that was owed before XXXX disconnected my services because they were upset that I complained to CFPB. I called Amsher Collection Agency and spoke with a representative named XXXX. He was rude to me and told me that I have two options. I could speak to the attorney or he would hang up on me. 
I would like for this collection to be taken off of my bill because I have disputed my bill with XXXX. I had paid off what was owed on the cell phone bill and I do n't owe any other amounts due to XXXX excessively billing my account unfairly.
XX/XX/XXXX spoke wit XXXX @ Portfolio Recovery and was informed address on file is XXXX XXXX XXXX. I was also informed account opened XX/XX/XXXX. I have ask validation letter to XX/XX/XXXX spoke with XXXX and she have indicated there is no information on file to send out validation debt. XX/XX/XXXX spoke with XXXX @ XXXX and XXXX to request validation letter. XX/XX/XXXX spoke with XXXX. As of today I still have not received validation letter. On XX/XX/XXXX XXXX and XXXX  have deleted report due Portfolio Recovery not able to verify debt. I ask to assist with deleting account.
I 've had my loans serviced with Navient since they spun off from  XXXX   XXXX , my original loan provider.     On Sunday,  XXXX / XXXX /  XXXX  , I submitted my monthly payment of {$530.00} for m y 5 l oans. On Monday,  XXXX / XXXX /  XXXX  , I calle d Navient to see about paying extra on one spe  cific loan ( a   service I 've only recently been offere d ). I was told that, yes, I could pay on just one loan, and that all of the money paid would be applied to principal. I was assured this   before, but I 'm re-doubling my efforts to get out of debt, and so I wanted to try again with the new site option to pay down principal on my specific, highest-interest loan.     I paid {$100.00} on this loan on Monday,  XXXX / XXXX /  XXXX  .     Today, Tuesday  XXXX / XXXX /  XXXX  , I log i nto Navient to see how my payment was processed after I see from my bank that both the {$530.00} paym ent submitted on  XXXX  and the {$100.00} submitted on  XXXX  were cleared on  XXXX .     I see that, instead of going fully to principal, they 've applied {$3.00} of the {$100.00} to interest, which a ) is NOT what the representative said, and b ) makes even less sense, as both payments went through on the same day (  XXXX / XXXX /  XXXX   ). If both payments are withdrawn at the same time, it makes no sense that there would be additional interest to pay.     This is flat-out typical of this company, who offered only forbearance with capitalized interest when I could not meet interest-only payments  for two  years after graduation from  XXXX   XXXX   XXXX    ( the  school who steered me towards  XXXX   XXXX , the initial lender ). I 'd attempted to pay additional towards my loans in the past and had the same sort of misrepresentation ; at least now I 'm able to determine which specific loan to pay down first. That option was not available before.
I re-financed a couple of my student loans through a company called earnest. I have a fixed rate loan with them so the monthly payment through the life of the loan should be fixed. I've made every payment on time. But recently, I noticed that the minimum monthly payment went up. I called them on XX/XX/18 about this issue and the lady on the phone was very apologetic saying that shouldn't have happened and they will get it fixed. On XX/XX/18, when my payment was due, the issue was still not fixed so I called again. Again, they told me that the payment shouldn't have gone up and they will fix it. They told me to just pay the normal amount they will fix the issue. I paid what I knew was due rather than the elevated amount like they told me to. Today, on XX/XX/18, I received a letter in the mail saying that there is unpaid interest and unpaid fees on the account. 

This company pushes for automatic payment. If I had been using the automatic payment option, this problem would've gone unnoticed. There are likely many other people that are victims to this highly unethical business practice.
Complaint to Finanacial Protectio Burau XX/XX/XXXX ( case XXXX ) in Spanish. 

WHAT HAPPEN In XX/XX/XXXX after to make my monthly payment on line I notice that I have an interest charge. Even that Wells Fargo Financial National Bank told me that I would get 0 % interest for the {$8800.00} corresponding to the cost of changing the widows of my house with XXXX. 

XXXX told me that they would offer special financing through Home Project loan from Wells Fargo Financial National Bank. 
I fill out the form in the second page of the application indicate Annual Percentage Rate ( APR ) for purchases 27.99 % and APR for Cash Advance 27.99 % ( attachment 1 ). I was asking about this interest and XXXX ( the home improvement salesperson from XXXX ( attachment 2 ). XXXX told me that if I do not use the card that interest will not apply. I never activate the credit card from Wells Fargo ( attachments 3 ). I never gave the account # to XXXX I am not sure how they got pay by Wells Fargo Financial National Bank. 

In the Wells Fargo Finantial National Bank application ( attachment 1 ) There is not any information about deferred interest. 

However in my statement of XX/XX/XXXX my balance was {$3600.00} plus a interest charget of {$3300.00}. I called to Wells Fargo Financial National Bank and they told me that this amount it was a deferred interest. I did not know what was referred interest. I went to Internet to understand about it this interest because I was not familiar with. 

In XX/XX/XXXX. I offer to pay my balance. XXXX Research Remedation Analyst did no accept it ( attachment 4 and 5 ). The new balance was {$6700.00} with extra $ 27.99 %. The new balance now according with Wells Fargo Financial National Bank now is {$5000.00}, XX/XX/XXXX. XXXX answered my previous complain case XXXX. In the second paragraph from " information about your account '' said : " On XX/XX/XXXX, a charge of {$8800.00} was made with special financing term od 18 months, No interest if Paid in Full, and Regular Monthly Payment required during the special terms period. You minimum payment amount WAS SET UP base off the AMOUNT of the total purchase and LENGTH OF YOUR PROMOTION. 

$ XXXX {$300.00} Minimal payment it was SET UP by Wells Fargo Financial National Bank and require 28.57 months period to pay {$8800.00} but they make the mistake and set up for 18 months. 

The last statement from XX/XX/XXXX my balance according to Wells Fargo is {$5000.00} ( attachment 6 ). Well Fargo make the wrong calculation to pay in full. With the minimal payment that tit was set up. My last payment in order to pay the original amount of {$8800.00} is XX/XX/XXXX for the amount of {$280.00}.
XXXX in error submitted a negative notice concerning my final mortgage payment and while promised to reverse this negative report 75 days has passed and my credit report remains adversely affected.
Loan originally through XXXX XXXX XXXX, loan was modified through XXXX XXXX XXXX. XXXX XXXX XXXX had an incentive if I paid my loan timely for five years up to {$1000.00} per year would be applied back to my balance. I paid timely the entire five years. Then the loan was sold to Greentree Servicing who reflected the " pay for success '' incentive on my quarterly statements. then they sold the loan to Ditech, around XXXX 2015, who despite numerous inquiries will not respond and will and does not reflect this incentive on my current loan with Ditech. I have attached a copy of when the loan was with Greentree and it showed the incentive balance and then a copy of after it was sold to Ditech and the incentive balance simply disappeared.
I had used my Macy 's credit card for a purchase in XXXX 2015, and paid half the bill before the due date in XXXX 2015, and paid off the bill in the entire amount posted online well before the due date in XXXX 2015. Now in XXXX 2015 I get another statement saying I owe {$2.00} more, now I know I paid everything in XXXX and before the due date, so I called to inquire about the {$2.00}, their story is that the {$2.00} is interest that failed to get tacked on to the XXXX bill, because it occurred after the billing date. What I do n't understand is how interest is being tacked onto a balance that was paid off before the interest is accumalated and how am I still responsible for it when they did n't add it to my bill, I paid the " current amount due '', not the billing amount due but the current amount due, so that should 've been the end of it. I know they 've done this before with my bills and I 've always paid my bills before the due date and always the current amount due, and still always end up with this {$2.00} interest fee after the fact, and stupidly never questioned it before and just paid it. I 've known others to have the same problem with this {$2.00} interest fee, and they 've since closed their cards because they do n't think it 's fair to be charged after the bill is paid. Yes it 's {$2.00}, but it adds up when you are paying it basically because you used your card. I have attached my XXXX 2015 and XXXX 2015 billing statements and you can see on the XXXX statement the {$2.00} fee is charged 3 days after I already paid off the balance, so basically the account was already at {$0.00} so I got charged interest on a {$0.00} balance.
i have an account with capital one. i didnt get my statements in the mail for 2 months. 
i immediately called them to let them know of the problem and it might be the turnover of our mail carrier. i asked capital one to please email me with the totals that need to be sent.i also asked them to make sure my address was correct with the correct suite #. after i recived the emails from them regarding the totals, i sent it to them immediately. i was then told by representatives at capital one that the email totals that were sent were not the exact totals based on the billing cycles since i didnt get the actual statements on time in the mail. they claimed that i was 30 days late on those 2 months of this issue and sent negative comments to all credit bureaus that dinged my credit scores.They have recordings of all my calls to them regarding the issue and appoligized for the mistake by phone.however when i spoke to there supervisor they said the issue was sent to their internal dispute department but didnt feel they made a mistake, so they would not correct it with the credit bureas. i also asked for copies of the actual statements that they sent me, which i recieved after the address correction was made, and in the package of the statements, it shows the original address on those statements where i didnt get the statements. On the outside of the new package they sent me the updated address was correct, however the copies of the statements still showed the initial address.I also told capital one that if they had sent me the actual totals in their emails to me, then i would have sent what the exact total was required. but i only sent the amount they requested in the emails. They also confirmed that with me by phone, when i spoke to their representatives and they should have those recordings as well.
XX/XX/XXXX - requested & reviewed Experian credit report utilizing free annual credit report.com On review, disputed entry regarding credit card account issued by XXXX XXXX XX/XX/XXXX. I have never heard of, had phone conversation or other correspondence with this bank. 

XX/XX/XXXX - message from Experian with link to review results which shows the bank has verified the account is active - dispute rejected. 

XX/XX/XXXX-XX/XX/XXXX - received welcome letter & credit card from XXXX XXXX for an account to be used at 'XXXX ' store. Again, I have no knowledge of, have never purchased from, or any other interaction with XXXX XXXX, or XXXX. ( Please note this card was received more than 3 months after the credit report shows that it was opened ) XX/XX/XXXX - went on XXXX Website to request account be closed, and all reference to the account to be removed from my credit report. To date, there has been no reply from XXXX XXXX. 

To date, and to my knowledge, there has been no financial transactions, or liability. This appears to be a scam marketing campaign. I have not held a store credit card since I closed a XXXX card more than 25 years ago. I hold a combination of more than 5 XXXX, XXXX, and XXXX cards each with a minimum limit of {$15000.00}. Why would I want a card for XXXX with a limit of {$750.00}? 

I want the reference to be removed from my credit report. The bank & XXXX should be given a strong warning, and or financial penalty regarding this type of marketing.
I first contacted my mortgage loan servicer, LoanCare, in  XXXX   XXXX ,  XXXX . My home purchase and loan included the purchase of  XXXX  separate lots, each with their own tax id, and both lots have  separate county ta xes due on them each year. The contact in  XXXX   XXXX  was to let them know they did not pay the taxes on our smaller lot for the  XXXX  tax year, and that i know owed late fees and penalties. It took months, but they finally added the second lot to my escrow account to be paid for the  XXXX  tax year. I paid the taxes myself out of pocket, and paid the penalties and late fees as well. I had made several calls to customer service and was told they could n't help me on the phone and i had to wait for them to " research ''. I never heard back from them.     I next contacted the company on  XXXX   XXXX ,  XXXX . I got an email that a disbursement had been made to pay taxes. When I logged into my account, they once again paid the taxes on the larger lot and the house, but did not pay the taxes on the smaller lot once again. The smaller lot was listed, but the due date was incorrectly listed as  XXXX   XXXX  rather than  XXXX   XXXX  like it was supposed to, which was once again going to cost me penalties and late fees. I let the company know in  XXXX  that the due date was wrong and this needed to be paid in  XXXX . They still did not pay the taxes, so finally I paid the taxes myself out of pocket so i would not incur penalties and taxes. Once again, another missed payment out of my escrow account. I called customer service several times and was told multiple times they could not help me and i needed to wait for them to " research ''. I never received follow up correspondance.     Fast forward to this month,  XXXX   XXXX  I get an email from  LoanCare that a disbursement had been made to pay the property taxes on this smaller parcel that I had already paid taxes on 6 months ago. No explanation of why now, 6 months later, they decided to pay a tax bill they missed 6 months earlier and I already paid. Now i have to try to recover my funds from the county sheriff because, of course, the customer service folks could n't help me. Also, they somehow found out about a small amount of city taxes i owe to my township every year and added that account to my escrow obligations. This township specifically says these taxes can not be paid by the mortgager, and must be paid by the homeowner, so i assume LoanCare will make a double payment on these taxes when they co me due in  XXXX . This amount should not be paid by the escrow account.     I have sent  3 requests to cancel my escrow account to LoanCare over the past year because of their constant mistakes, and I have never received a single response to any of my three reque sts to cancel my escrow account.
XXXX   XXXX   XXXX   XXXX    continu es to report inaccurate information on my credit reports. Currently they have  XXXX  different accounts reporting on my Equifax report. I 've only had  XXXX  loan with them and the terms they are reporting is incorrect if. Per the Fair Credit Reporting Act, all items that are reporting incorrectly has to be removed.
I am a first-time homeowner and I had no idea my mortgage lender did not accept partial payments. 

While juggling the adjustment from renter to homeowner I sent in partial payments only to see the mortgage company cash them and then weeks later send a company issued a check. 

I 've tried to reach the mortgage company on XXXX and there 's a recorded line and I can never reach a live person.
Several years ago my XXXX mortgage was transferred to Green Tree for servicing. I immediately called Green Tree to set up on-line payment of my monthly bill. Well, I was rudely informed that Green Tree does not accept on-line payments. The customer service person, referred me to a phone line that handles complaints about Green Tree. Can you imagine the number of complaints Green Tree receives, if they have a separate department that handle these matters for the company. 

This morning I received my SS payment on-line and immediately went on-line to pay XXXX Mortgage, XXXX XXXX Bank, XXXX XXXX, and XXXX Card. And I will mail my payment to Green Tree, because on-line payments do n't work with them.
I have contacted XXXX multiple times to address this credit reporting error of a car loan I had with them. I had originally purchased the vehicle through a dealership called XXXX XXXX of XXXX who financed it through XXXX. The financing through XXXX should have been through my company XXXX XXXX XXXX XXXX XXXX XXXX, but instead the finance manager inadvertently put down the Federal ID number belonging to XXXX XXXX XXXX which was a company I had sold previously to buying and financing the vehicle. The new owners of XXXX XXXX had filed BK and it automatically showed up on this vehicle as being in a BK status. I spent countless hours to clear this up and you guys accepted all the payments in full for the vehicle but still continue to report a charged off vehicle on my credit report instead of always having on time payments. The only time I did not have on time payments, was when you guys would not accept payments because it was in BK status. I have contacted the credit bureaus to clear this up with you guys. I have contacted you guys personally. And I have contacted you guys through the CFPB with no response. I have attached the letter from the dealership admitting the mistake, and you guys still continue to report this incorrectly on my credit report. 

I am demanding a response and removal of this negative trade line on my credit report. It should state paid in full and on time, with no late payments. If this is not fixed in a timely manner, I have no other option but to pursue financial distress for all the damages you have caused. This credit issue has prevented me from financing new business loans and home ownership, costing me hundreds of thousands of dollars in earned income and interest. My interest rates are all high because of this negligent mistake. Please respond as soon as possible to prevent further legal action.
I applied for the loan online, and received an automated phone call that my loan request had been approved. I was told to call XXXX to finalize the transaction. I was offered a {$10000.00} loan with a $ XXXX/month payback over 60 months. I spoke with XXXX and he outlined all the terms and conditions. I was told I would receive the funds via XXXX XXXX, but I had to pay the wire transfer fees upfront with a prepaid card. I was told to get a XXXX XXXX or XXXX card in the amount of {$360.00} and that XXXX XXXX would call me for the card information. I went to XXXX XXXX and purchased a XXXX XXXX card. On the way home from the store I started feeling suspicious that " what does XXXX XXXX want with a prepaid XXXX XXXX card? ", so when I got home ( and before I gave them the information ) started doing some research both online and with phone calls to XXXX XXXX and One Main Financial. I was told by XXXX XXXX that the MTCN numbers of XXXX & XXXX did not exist. They also told me that they do not accept XXXX XXXX gift card for payment. One Main Financial told me this is not the way they operate, they do not use XXXX XXXX to transmit funds. When I " googled '' the phone number XXXX I found other complaints of scams associated with this listing. I had never signed a loan contract - XXXX told me after I provide the card info and my funds were wired that I would be required to sign. After this research I told him that I did not feel comfortable providing any further information by phone, to please send me an email with the contract information. The email is from XXXX. This does not look like any other legal form I have signed online, and it says repayment is {$100.00} per month. So now I have a XXXX XXXX card worth {$360.00} ( I never gave information over the phone ) and no loan.
I purchased a new Honda Civic from Honda Financial services because I was promised to get the rebate program they had going on, which they still currently offer, but refuse to apply to my statement. The rebate is the College Graduate rebate program that if you graduate within the next 6 months to 2 years from an accredited university they will apply a {$500.00} rebate to your owed financed balance. I only purchased the vehicle from them because I was promised to have this rebate applied as soon as I graduated. I then came back after I graduated and they refused to apply the rebate for me.
Capital One has failed to provide me with a detailed understanding as to why I have not been given any credit line increases on my credit card accounts with them. I have paid my Quick Silver and Platinum accounts on time each month and have also paid more than the monthly required payments. I have contacted Capital Ones ' CEO and other members of executive management via email numerous times, asking to contact me, in which they have all failed to do so. I have spoken to a few analysts from the executive office and requested the full payment history on both accounts since they have been opened, in which I have not received. I spoke to a manager of one of the analyst and was treated very harshly. In the letters that I have received from Capital One in regards to the credit line increases, the reasons for denials include, " average monthly payment is too low, and recent use of this account 's history is too high. '' All of which is false information, as I have not used the accounts much in the last months and have always paid more than the required monthly payments. I have asked Capital One analysts what are the required monthly payments to receive a credit line increase, in which they have not been able to do so.