WillisBack/dataset-financial-user-claim huggingface dataset:
I 've complained before about these rebate/reward cards and the fees because traditionally a fee comes with a service and they provide zero service. They take a monthly fee for what, not using it, kind of backwards logic but of course makes banks rich while robbing consumers. 

This complaint is not about that though. So I tried to use XXXX of my cards and it was denied presumably because I did not have the full amount available on the card which is XXXX point # 1. So you ca n't use the balance and pay the rest with another means of payment??? 

For convenience and so AMEX does n't miss responses which they traditionally do, that is question XXXX and I 'll make a list : 1 ) Can consumers pay with a reward card and even if the balance is not available for full payment, apply a partial payment? If not, why, too technically advanced for banking??? 
2 ) I would love to know how many cards other than being robbed with the fees, end up with small balances that never get used because you ca n't go over with the purchase??? i would basically like to know the possibility/probability of using down to the penny. 
3 ) To top everything off, I was charged a {$1.00} fee for attempting to use the card and for what??? 

This is just more ripping off the consumer to make millions and millions in profit ... In processing the note was that AMEX denied the charge, not the processing company, AMEX so this is their issue, their shortcoming, their greed ... 

The card number for reference is XXXX XXXX
XXXX XXXX XXXX is a unknown debt collector who misrepresents herself as an attorney for the consumers debtor Nationstar. XXXX is not an attorney when attempting to collect a debt the consumer, creditor and Principal is due. Nationstar and XXXX filed a masquerading Foreclosure action attempting to seize the Lender, creditor, individual loan originator and secured Party consumers assets. A action of this type is also an foreclosure against the United States of America since it involved instrumentalities of interstate commerce.
2 weeks ago I applied for a XXXX XXXX XXXX XXXX XXXX Card and was approved for it. The advertised rates were 13.99 % to 23.99 % based on credit worthiness. Given that my most recent fico score at the time of application was over XXXX ( around XXXX or so according to the data obtained by PNC from XXXX and sent to me in a letter to my home address ), my debt to income ratio is about 26 %, my credit card payment history was rated excellent, ( according to the most recent free credit report that I received ) I expected that the purchase APR on the card would be a lot closer to 13.99 %, say 15.99 %. Instead, the confirmation page of approval indicated that I would be granted an APR of 17.99 %, which I thought was pretty high. Upon activating the credit card however and finding it in my online banking portal today X/XX/17, I  saw that the purchase APR is actually 19.99 %. I called PNC 's customer 's service number at XXXX and its underwriting team at XXXX a few times to get quantifiable metrics about how this APR was arrived at and no one gave me an adequate response. I was bounced back from customer service to sales back to underwriting team who told me they had nothing to do with the APRs, which I thought was surprising. I do n't want to cry unfair credit card practices, but there 's something misleading in the advertised rates if a customer with my profile can not get close to 13.99 %, but instead I 'm offered a rate far above the median of this range.
On  XXXX , I requested a revised Escrow History, because I cancel the old Home Ow ner Ins for {$3000.00} for new policy {$720.00}.      On  XXXX   XXXX , I received a Escrow History Dated  XXXX   XXXX ,  XXXX , Upon reading I notice immediately that the amount were not correct. I call on  XXXX   XXXX  spoke to representative in the escrow department.     My " Old Mortgage Payments " {$950.00 } My NEW  are {$680.00}.   ( {$680.00} is compose of  XXXX  Escrow and  XXXX  P/i ) My argument is as of  XXXX   XXXX  my escrow accumulated amount is {$2300.00}. My  Property Ta xes are  XXXX  and Ins  XXXX  the total is {$2400.00}. I understand there need to be " cushion ''. So with  XXXX   pmt and   XXXX  pmt of  XXXX  each bring the total to {$2700.00}. Should be enough to satisfied this condition.     As per the law, any financial company holding over {$50.00} in the escrow over the amount required must return it to the person making the mortgage payments.     Then as I understand this situation, my  XXXX  payment should be {$480.00} since I have satisfied the escrow amounts.     The property taxes will be due on  XXXX   XXXX , and the  Insurance  in  XXXX . I want to pay these amount on my own. And hopefully refinance.     Please help me correct this situation  with Ocwen  ( according the representative it will take over 45 days to correct, ) Mean while they are asking for the wrong amount for the mortgage. Even though I send the correct amount, I do not want to go into default.     Thanking you in advance for your assistance in this matter, I remain grateful.      XXXX   XXXX
My wife & I have a second mortgage with OCWEN Loan Servicing , LLC, bought from our original loan company of GMAC, that we have made monthly payments on since XX/XX/XXXX, never being late & never missing a payment. XX/XX/XXXX we received a letter from OCWEN stating that our payment was being increased from {$460.00} a month to {$2100.00} due by XX/XX/XXXX. The letter was dated XX/XX/XXXX showing that an official notice of only 18 days was given of this increase. We had only 11 days notice upon receiving the letter. After contacting OCWEN & explaining that we could not possibly make this payment amount we were told by their " calculations '' that we should be able to handle this increase but were offered the possibility of a loan modification. We applied for this modification immediately & each month are asked to provide new documentation of our finances with no answer as to a loan modification. In the meantime, by today 's date of XX/XX/XXXX, we have been turned down for XXXX loans due to our high debt to income, have been reported to credit agencies as deragatory on the OCWEN account even after borrowing from family {$6300.00} to bring our account with them current, and get no answer from OCWEN to work with us to keep our credit in tact. We have explained medical hardship as our reason for need of modification as my wife lost her job almost 4 years ago & is now on full XXXX. We have working with yet another mortgage lender & have now been approved for a loan to consolidate our first and second mortgage but our payment will be raised approximatly {$200.00} which will be a hardship in itself. Needless to say, the notice given to us was questionable, unfair, and this company has caused us much stress and grief in the last few months. OCWEN customer service reps have remained uncaring, unwilling to answer questions, and stay to a straight script each time a call is made and ask all the same questions of us over and over again even though nothing changes for us week to week. We were advised to file this complaint by several loan officers from other mortgage companies who have been appalled at the treatment we have received from this company. This time frame has been unfair, impossible to work with, and in the meantime, our credit is being ruined by a company who has no concern to work with us and would rather see us file bankruptcy per the letters that we receive from them.
I leased a brand new vehicle and in XXXX 2016, the vehicle was in a collision deemed a total loss by an adjustor - other party at fault. The at fault party 's Insurance company XXXX XXXX XXXX XXXX indicated they would pay balance in full and complete settlement with Toyota Financial Services. Federated Insurance company paid balance except for {$660.00}. Toyota Financial Services indicated that they were working the settlement out with the insurance company. I never heard back from Toyota regarding the issue and when I called Toyota Financial Services customer service line and input my account information, the prompt indicated " This account is closed '' and that there was no balance. Toyota Financial Services called me on Thursday, XXXX XXXX, 2016 ( 3 months after my last contact with them ) at XXXX XXXX and left a voicemail asking me to return their call and that it was urgent. I called back on XXXX XXXX, 2016 at XXXX XXXX and spoke to a customer service representative who said : " I do n't know why that person called, your account is closed and you do n't owe anything so you can disregard that voicemail. '' I then received a letter stating that I owed the remaining balance on the vehicle. Before receiving this letter, I was never notified that there was an outstanding balance nor was I notified that I had to provide any additional information to Toyota Financial. I called Toyota Financial Services on XXXX/XXXX/2016 at XXXX XXXX and talked to a Total Loss Representative who told me that if I could not provide a copy of an " Evaluation Settlement Breakdown '' and Police Report to Toyota Financial Services by XXXX XXXX, 2016, my account would be charged off to collections. This was the FIRST notification I received from Toyota Financial Services from XXXX to XXXX, and the first notification ever that I needed to provide additional information to Toyota Financial Services, on top of the fact that XXXX of their customer service representatives told me " your account is closed and you do n't owe anything. '' Furthermore, the insurance company representative XXXX XXXX indicated that she told Toyota Financial Services during the settlement that they do not give out copies of Evaluation Settlement Breakdowns, but I was never notified by Toyota Financial Services that there was additional information I needed to provide to them. I feel the treatment from Toyota Financial Services is very unfair, especially the fact that they waited until XXXX XXXX and one week before the charge was passed to collections XXXX to notify me that if I did not provide information that the insurance company was supposed to provide. I also feel deceived because a customer service representative who works with Toyota Financial XXXX 's customer support XXXX earlier indicated that my account was closed and that I did not owe anything, only then to have Toyota Financial Services come back and say I owe {$660.00}.
The student loan company I am complaining about is XXXX XXXX XXXXt formerly XXXX  XXXX XXXX and AES. I applied for {$15000.00} student loan in XX/XX/XXXX so I could start taking Fall XX/XX/XXXX classes at XXXX College in XXXX. I started making payments in XX/XX/XXXX. Then, I noticed they have stopped updating the remaining balance information for at least a year ; Around the year XX/XX/XXXX, I called and spoke to a young man who put me on hold so he can calculate the real remaining balance and he told me it was at least $ 10k from the original $ XXXX+. A few months later, I called again ( because the update was never made ) and spoke to a woman whom refused to look into the balance problem and told me the current balance was correct. In late XX/XX/XXXX, I realized they have seldom been sending me 2 bills for one month with different balances of at least $ 14k remaining with the exception of XX/XX/XXXX when they sent me 3 bills with different balances of at least $ 13k remaining. Additionally, they have messed up my credit by filing the wrong information ; they refused to update my credit information past the year XX/XX/XXXX. Also, I have yet to receive my XXXX Form for XX/XX/XXXX from them. I called and left a message for them to call me back on XX/XX/XXXX but, no one did. These crooks have assigned XXXX XXXX , XXXX to collect my debt and every so often they try to pressure me to pay more than is, currently, affordable.
Citizens Bank offered a zero percent balance transfer with no disclosure ( deceptive at best ) that they would charge interest on the balance transfer fee. Essentially skimming and charging interest in interest. This is borderline theft and I 've done balance transfers with others like XXXX, XXXX and XXXX and none has ever been so underhanded charging interest in balance transfer fees. ( charging interest on interest ). I was then told if I close the account they will damage my credit even though the card is up to date. I do n't appreciate intimidation factors to disuade me from standing up for my rights
I called Navient Student Loans to ask for a lower payment plan because they keep raising my monthly payment amount. I was told the only way that I could qualify for a reduction in my payment was if I completed a verbal financial statement. I gave the Agent my information and she rudely cut me off saying I did n't have any disposable income and then said she was going to put me on hold to check my credit. After a fairly long wait, she returned to the line and asked what other student loan companies I was paying. I told her XXXX XXXX XXXX XXXX and XXXX. She told me that she did not see the names of those loan companies on my credit. I told told the agent that I did not give her permission to check my credit and she responded with the statement that she did not need my permission to check my credit. I told her she did and she cut me off saying that the names I gave her were not on my credit. I told the Agent that XXXX was XXXX Bank and XXXX is XXXX XXXX XXXX XXXX XXXX. The Agent 's story then changed. She claimed that she saw those companies on my credit but, that they showed the loans in forbearance. I reassured her that I was paying the companies monthly and she then demanded that I send in copies of my banking statements to prove I was making payments. I told the agent that I was not sending my banking information but, I could send in the monthly statements from the lenders. The agent then said I was asking for help and since I was refusing to send in my banking statements, she was going to put on my account that there was nothing they could do for me. I feel like there is something unethical and illegal going on with this company. I am trying to communicate with them and pay my student loan. All I asked the company for is relief on the monthly payments and I was yelled at by an agent who checked my credit without my permission. Navient should be investigated.
I was viewing my credit scores on XXXX XXXX because I have been rebuilding my credit after a bankruptcy many years ago and all of a sudden I saw my credit score dropped almost XXXX points. I had no idea why because all my bills have been paid on time for a long time now and I have even gotten new accounts. So the day I was looking some company called Cavalry portfolio had reported me to the credit bureaus that I owe them over {$4000.00} I had no warning from them, no contact from them just a notice on my credit report that it was sent into collections. I want from them to one stop bothering me through my credit reports I am taking this " Account in collections '' as a threat- I want this in collections taken off my credit report and if for some reason I do owe them money I want them to validate to me without a doubt how I owe them money. I want to know if this is a old debt from my bankruptcy and OR where this debt originated from, because I have no remembrance of it or this Cavalry portfolio. Their tactics are VERY UNPROFESSIONAL and unreasonable.
Today I went to chase bank in XXXX XXXX at XXXX to open a bank account. I was told to have a seat and someone would be right with me. After waiting about 25 minutes I wanted to ask if someone was available to help me, so I approach a young blonde female and as I approach her window she walked away to talk to a young XXXX XXXX female. As they were smiling and trying to avoid me I felt so upset I walked away but as I was walking away I noticed the blonde female walking back up to the window so I head up to the window again and as I 'm walking towards her I notice the young XXXX XXXX female duck down and disappear as if trying to avoid me. All I wanted was to ask for some help. So then the blonde female walks out behind the window I manage to get her attention and let her know all I want to do was ask if there was anyone available to assist me. The female was very rude and I have NEVER felt so humiliated in public! I could n't believe how unprofessional these ladies were toward me. There is no excuse for the poor customer service I received today. I ended up just walking out because I felt so embarrassed. I ended up driving to XXXX to get some help. But I will NEVER go back to you XXXX XXXX location nor recommend it to anyone based on my experience today!
XXXX contacted me by phone to tell me I had n't paid my account. I have always paid my account in full and when I received the call, I told the person I did not receive a bill in the mail and would like to have one sent to me. I did not receive the bill and received a second call. I paid my amount in full and once again asked for a paper bill in the mail, which I never received. I submitted a complaint through XXXX and thought the matter was taken care of on my credit report until I checked a different report today and found out different.
Recently, in XX/XX/XXXX, our home mortgage was discounted ( sold ) to Statebridge, LLC. Statebridge failed to pay our property taxes from the escrow account in XX/XX/XXXX, costing us {$1.00} in taxes. As a matter of fact, Statebridge waited until XX/XX/XXXX to pay the property taxes which are due each XXXX. 
Our accountant has advised us that this company has really made a huge mistake and should be held responsible. 
Statebridge is the worst finance company we have ever dealt with. They are tacking on miscellaneous charges to our mortgage payments that their representatives ca n't even explain! 
We want Statebridge to reimburse us for the {$1400.00} that they cost us by paying our property taxes too late.
On XX/XX/2018, I was made aware that my XXXX sister and I credit file may have been merged with one another, as one her accounts was reporting on my XXXX  report. I contact the lender and they, of course, stated the credit reporting company made the mistake and they were not complicit or culpable. I checked the rest of my report and noticed my sisters name listed as one of my names.
After leaving the hospital, a number of bills were sent to me. I sent many of them back to charge my insurance. In this case, XXXX never responded to me about my insurance. They finally sent me a single bill, which I began paying without realizing they still had n't answered. After setting up bank payments, I never got another statement, never received a balance, nor have I been able to reach anyone. After sending several payments and receiving no statement or method to determine what was paid by insurance, still owed, or had been received, I sent them a note indicating I needed a statement from them, at least. Nothing. Then, I pulled my credit in XXXX and saw that the debt had been referred to a collection agency. This agency has made zero effort to contact me, had none of my previous payments associated with the accounts so the balance reflected the full amount, and has not responded to complaints with the credit reporting agency other than they consider the debt valid. I believe that they need to at least TRY to contact me so I can pay this. It 's such a stupid amount that if I had gotten even one additional statement or notice from them, I could easily have paid. And I STILL do n't know if they even tried to bill my insurance like all the other bills that were submitted. I paid every single much larger amount to all other medical agencies because they did bill insurance and then followed up with a statement. It may be that there is an amount that is due, but I do n't know what amount and ca n't get an answer. I also feel like it is fraud to just try to ruin credit for someone without even trying to let them know. If XXXX had sent me a bill, this would have been paid easily. I refuse to deal with the collection agency since they are clearly just trying to collect the full amount ( XXXX were paid directly to XXXX before I had to give up because I do n't even know if it 's been paid off, still owing, or may have been over-paid ).
I have advised Conn 's that the number of times they are calling me a day is far beyond excessive and at this point is harassment. I spoke with 2 managers on separate occasions that assured me the calls would not continue, there is a reoccurring monthly payment scheduled and Conn 's is asking me to set up a payment which has already been done. I am being called 6-7 times a day every day at all times of the day. I quoted there is a FDCPA regulation that strictly prohibits to call as many times. Two months ago I spoke with a rep and explained when the payment was being made she hung up on me and then another rep called within 30 mins asking me the exact same thing. That is the first time I spoke with a manager. I'm at work when a majority of these calls come in and this continuous badgering can cause me to lose my job. I need help! Please help!
I filed a dispute with Equifax regarding XXXX Account XXXX. This is an apartment complex : XXXX, XXXX , FL XXXX ( XXXX ) XXXX. I called the apartment complex to inquire why they have reported me to a credit bureau. They have no record of this debt. When I disputed it with Equifax , Equifax responded by saying XXXX XXXX XXXX confirmed it is legitimate. I have not received due diligence from Equifax in investigating this.
I talked to  XXXX  or someone a t Le  xington law. He told me that the medical bills on my credit report would not be a problem to resolve. He showed me plans on the Lexington law website and when I saw the price I told him that was to o high and I was n't interested. He said sir I have a plan for {$24.00} a month. Then he told me that I needed to pay {$14.00} for a credit report. I was on a computer at the library and we did what I have been doing, disputing the collections of  XXXX  collection accounts. I am  a veteran and t he medical bills I am disputing for the last year are still on there. The doctors and hospital never bille d the VA.   He said he would take care of them for {$24.00}. He lied to me during this time I ran out of time on the library computer. I had forgotten about it. I checked my bank account it showed he had taken out {$110.00}. On  XXXX  and  XXXX . I called  Lexington   law and they told me that I had authorized the transaction. I told her I did not. she told me that they had my signature. She then told me that she would refund {$60.00}. I told her I wanted all my money back. She said she would refund {$60.00}. and said it would be in my account in 2- 3 days. Lexington law lied to me took money from my account that was not authorized by   me.   Please help  XXXX
I asked them if I could pay this debt or a settlement would they do a pay for deletion. They said yes. They did not keep there word. I paid this debt and they said they would delete it from my credit report. All  XXXX  bureaus. It 's still reporting on my credit report. The account was paid. I then received a letter in the mall saying Please be advised that this office repres ents Patrick capital partners con cerning the above preferred account originated from  XXXX   XXXX   XXXX   XXXX  According to our client on his record there is a balance due of them out at {$340.00} this will acknowledge and I was a report of your settlement payment amount at  XXXX  on  XXXX   XXXX ,    2017 thi s account is being said or close by our office thank you for resolving this matter yours truly  XXXX   XXXX   XXXX  ... This is NOT what I asked for.