WillisBack/dataset-financial-user-claim huggingface dataset:
I completed an online APPLICATION only - for a personal loan ; I simply wanted to determine if I qualifiedi. Within hours of the online application - BEFORE I even spoke with soneone, my personal credit report showed the inquiry and I have received over five harassing phone calls from XXXX XXXX XXXX. They explained I qualify for a vehicle lien loan meaning I would use a personal vehicle as collateral ; Ive stated repeatedly to them I do not own a vehicle and therefore I am not interested in doing business with them. At approximately XXXX XXXX XX/XX/XXXX - I returned ANOTHER call from them and requested they cease and desist with the calls. The agent became very aggressive - demanding I listen to terms of the vehicle loan and when I kept insisting they stop calling me and remove the inquiry from my credit report, the agent proceeded to ask if I have friends or family who could provide collateral. I consider this company a predatory lender and I never received a loan number ; when I asked ( for reference purposes ) they refused to provide it.
I received a notice of application for wage execution from this law firm through the courts but the notice did not say who the original debtor was, how much was owed, did n't even mention an account number so I could verify. They only mentioned that they would take 10 % of my income but did n't say for how long or what the total amount is.
A FedLoans IBR repayment calculation error resulted in an overpayment of {$3000.00} which has not been applied as a credit towards future payments as requested. In XXXX XXXX, the caculated Fedloans IBR amount due jumped from $ XXXX/mo to $ XXXX/mo when by the IBR formula ( ( AGI-Poverty level for family size ) *.XXXX ) /XXXX it should 've been a little lower than previous year. Fedloans servicer was contacted XX/XX/XXXX and acknowledged their error in reported AGI. When asked if they needed any more action on our part and whether the overpayment can be applied to future payments, they said they had the necessary information to process the change and it typically takes about 2 weeks for the review board to correct and process overpayment issues. After a second month of the high rate, FedLoans was called again on XX/XX/XXXX to make sure the amount was going to be changed immediately the overpayment would be credited. Informed by FedLoans that the recalculation was under review but there was no timeframe for completion. During the first week of XX/XX/XXXX, several " paperless inbox '' statements were sent outlining that our enrollment in IBR had been denied and our new monthly payment would be {$2400.00}. FedLoans was called XX/XX/XXXX ( urgently ) and the agent was informed of the past few months of history and issues. As a result, XX/XX/XXXX tax information was re-submitted and the IBR plan was re-enrolled on XX/XX/XXXX at a rate of $ XXXX/mo ( the correct rate ) ; however, a fourth payment was made in XX/XX/XXXX for {$890.00}. Overall overpayment over four months was {$3000.00} and has not been credited towards FUTURE payments as asked.
Good afternoon, I logged onto my PNC Bank account on  X/X/2017    and realized that I was going to be overdrawn. I deposited enough money, plus extra, to cover the items that were causing my account to be overdrawn that were charged to my account well within the deposit cut-off time for that business day. This morning,   XXXX  , I noticed I had  4  overdraft fees. Upon calling the bank I learned that even though I had made the deposit on  X/X/2017   , they only make {$100.00} of that deposit available to me to use, they hold the rest for  1 bu siness day  ( no matter how big the deposit is ),  in this case the total deposit was for {$330.00}. I had not known that, the last time I spoke to a representative, they told me I just had to have my deposit in by  XXXX  that same day in order to avoid fees.  <P/> So even with that being the case of {$100.00} being available to me I only should have been charged for  2  overdraft fees. When I received my overdraft detail statement it shows that they deducted in order of time payments came into their system for my debit card purchases ( not smallest to largest ) and then for my remaining  4  auto-deduct items that all came from the same vendor at the exact same time they took largest to smallest causing me to get overdraft fees for all  4 ite ms  (  including a {$23.00} item and a {$36.00} item ) instead of just the  2 l argest fees.  <P/> This is a horrible business practice. I am the sole supporter for a family of  XXXX  working on a VERY tight budget. It is not right that I had made the deposit in time to cover negative items, but due to their hold policy and them posting by time and then largest to smallest I was charged {$140.00} in overdraft fees. They did not make this known to me at the time I opened my account. I feel as if these business practices are solely in place to cause consumers to incur more overdraft fees. Additionally, I learned that it is their practice to use pending debits to decide overdraft as well, not just posted items. So, if they can use pending debits to decide overdraft, why can they not use pending deposits? My account statement online shows that once every single transaction posted on  X/X/2017    I was positive, not overdrawn, but because they did not technically really " post '' my full deposit I was overdrawn in their " behind-the-scenes '' system.
XXXX had my brother to take out XXXX different loans with XXXX. The total is well over {$10000.00}. I am the consigner on this account and at the moment I am the one paying this bill. I am a current student, a mother, a wife ( of a XXXX service member ) and I ca n't afford and never could afford this bill that is now over {$400.00}. I 've kept the bill in deferment. up until recently and it was sold to another company for payment. I would like to stop paying this bill. As the cosigner, I would like to know how can I get relief from this bill. My brother has n't paid this bill since he left school in 2013. Everything that I read that they will do to a student they did to him ie pulling him out of class threatening to keep him out of school if he did n't make a payment.
In XXXX of this year, I utilized the Ditech mortgage website to start making bi-weekly payments. Payments have been deducted from my savings account, but mis-applied to my mortgage. I contacted Ditech on XXXX XXXX by phone after receiving a statement saying that my mortgage was late. I was told that the payments would be corrected and that the late fee would be waived. I checked the website on XXXX XXXX and my account is showing that my mortgage is due for XXXX XXXX, but should not be due until XXXX XXXX. They are also showing that I owe a late charge, but I have never been late. I used the messaging system on their website, but have not received a response and the error has not been corrected. In looking at their website, I also noticed that their policy is to place partial payments in suspense rather than applying them to the loan at the time received even though the whole point of the bi-weekly program is to reduce interest paid and pay off the mortgage sooner. I am concerned that their errors in posting my payments and their failure to properly correct the issue are going to negatively affect my credit.
HSBC has advertised that individuals who open an advance checking account and deposit {$10000.00} of new money would receive a {$350.00} bonus. I signed up for the bonus on XX/XX/2018 and received an e-mail that I had to open an account by sending a check to the XXXX office. I sent a check for {$25.00} on XX/XX/XXXX that was cashed on XX/XX/2018. I only received the account number several days later and made an ACH for {$9900.00} on XX/XX/2018. 

I called HSBC on XX/XX/2018 to inquire why I did not receive The {$350.00} bonus. I spoke to an individual named XXXX and have been told on all subsequent calls to HSBC that I had to speak to XXXX. On my call with XXXX on XX/XX/2018 I gave him all the information plus the invitation number. My last call with XXXX and HSBC was on XX/XX/XXXX, XXXX and all i have been getting is the run around.
I have a Bank of America mortgage that was originated in XX/XX/XXXX. It is an FHA loan that was modified in XXXX XXXX. 

I recently applied for a Reverse Mortgage and learned that BOA has placed XXXX liens on my property ... XXXX of which are duplicates of the original loan modification. There should only be XXXX lien, but BOA sent the exact paperwork to the Clerk and Recorder 's office in XXXX, Colorado on 3 different occasions over a 6 month period. 

I can not proceed with the reverse mortgage until these duplicate liens have been removed. 
On XXXX I spoke to XXXX at BOA who told me that she would call me on Tuesday, XXXX XXXX with a status report. She did not call. I called Bank of America on XXXX XXXX and talked to XXXX, who emailed XXXX about the status. XXXX reported that XXXX stated that the department for BOA that handles such matters had nor responded within the required 48hours so her supervisor was now making request and that she would call by XXXX XXXX. Again no call. I called BOA on Friday, XXXX XXXX and spoke with XXXX. He told me that he was forwarding my concerns to my loan manager XXXX in XXXX XXXX and that he was again emailing XXXX for status. He told me that either XXXX or XXXX would be calling me on Friday and that if they did not, that he would call me. NO ONE CALLED. 
I can not proceed with the reverse mortgage until this is resolved. HELP
1 ). XX/XX/XXXX. The amount owed {$2800.00}. 
I am unaware of this charge until I contacted Conns Credit Corp to mail me more details about this debt but did not receive a response from them. At times, they called and act like an attorney representing Conns. Threating to take me to court. They threaten to come to my workplace and arrest me. They called my siblings and parents and threaten to arrest me. I tried calling to understand what happened and resolve the issue, but they failed to provide me details of how I owe {$2800.00}. 

2 ). XX/XX/XXXX. The amount owed {$440.00} I do not recognize this debt. It was submitted to my credit history by " XXXX XXXX XXXX '' and original creditor name is CONNS. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX
In XX/XX/XXXX, XX/XX/XXXX, and through current date XXXX XXXX, 2016 in addition to past years, I have made numerous attempts to resolve this alleged debt with Fair Collections and Outsourcing, including but not limited to contacting XXXX XXXX the compliance representative by both email and mail. I am certain that letters requesting validation were received since I have all the receipts for the certified copies with signature confirmation pick up and signed by XXXX XXXX. As of today, XXXX XXXX, 2016, FCO has failed to forward validation documents of this alleged debt. to me. 
Since I am disputing the amount of charges that Fair Collection and Outsourcing Debt Collection Company is reporting to the ( XXXX, XXXX, and XXXX ) credit bureau they are required to provide validation however they are willfully failing to comply which may violate my rights according to the FDCPA, Federal Trade Commission 15 U.S. Code 1692g section 809. Validation of debts. FCO has failed to provide adequate validation of this debt and has not responded to written request to validate this alleged debt for alleged debt account # XXXX. I requested FCO to provide to me, an itemized monthly so that I could see exactly what charges are being applied by the apartment complex in addition to my signature and social security number on documents and a signed lease agreement that proves that I had an actual move in date. 

I am attaching copies of the certified mail tracking numbers along with copies of the email correspondence as proof of your receipt of these written requests, and to repeat, to this day I have not received validation response. I have also included a copy of the only response provided which simply a statement is of counter offer to my original request and does not provide adequate proof of this alleged debt.
I had an account with XXXX ( XXXX ). Lost my Job for months and could n't pay the {$920.00} in debt I acquired. When I got employed again and called XXXX to pay off balance, I was informed after 5 months that my account was going to be sold and to not pay until the account was sold to " Midland Credit ''. I called midland credit and kept being given different sketchy, non verified numbers to call. About 3 weeks ago I got a call from an unknown number claiming to be MCM, which I do not trust being that MCM is notorious for committing fraudulent acts. I promptly hung up the call and I had received a letter in the mail claiming I owe midland credit over {$1100.00}. When I call the numbers on the website I ca n't get any information about my account, I just keep being given non verified numbers to call. Being that there was some recent fraud wig one of my credit lines I have to be very careful and discerning when it comes to giving out my personal information, especially for a company that I did n't do business with, and when it 's a company known for their committing fraud and.
I was speaking with someone from Mariner Finance on XX/XX/XXXX, who stated that I need to make a payment on XX/XX/XXXX. I informed them that I would call in on XX/XX/XXXX to make that payment. On XX/XX/XXXX before I could even call, the Branch Manager XXXX, called and left a message. I was unable, to answer because I was at work. She called a few more times. Then she sent me a text that said XXXX this is XXXX the branch manager over at Mariner finance. You need to call me back today. I need a payment today or I will proceed with legal action and we will bank levy your account. You refinanced the account and have yet to pay us back. I got the text from her personal number and immediately called her because I know I had just told them the day prior that I would pay that day XX/XX/XXXX. When I got on the phone with XXXX, she was very rude screaming telling me she doesnt care that Im being nice. That I dont pay her at that very moment she will call her lawyer on me. Hanging up on me. Then calling back yelling and screaming again and hanging up. I was then called by another manager who offered to take my payment. He was pleasant but I could barely even talk because I was crying so much because what she had done to me. I was being recorded while he took the payment so he has that recording of me crying nonstop. She really made me feel like less of a person. She didnt care about what I was going through in my life and that showed in her actions. I was unable to work to my full capacity because she had made me feel so low of a person. She created an XXXX XXXX for me which caused XXXX, fear ... can not concentrate.
I refinanced a mortgage with BSI Financial on XX/XX/2018. Prior to closing, they received a copy of my updated homeowner 's insurance along with an invoice. The total ( {$850.00} ) was paid from proceeds from the closing, and listed as a line item on the closing statement. 
A few months later I began receiving letters that I did not have homeowner 's insurance and the lender would purchase forced place insurance. 
I called a few times and was told a ) uploading it online wouldn't work, b ) the insurance from closing must not have gotten to the correct department at BSI c ) they would contact my homeowner 's insurance company and all would be fine.

Today I receive a letter that BSI has purchase forced place insurance and they are billing me for {$870.00}!!

This is FRAUD.
I have been calling and trying to understand and properly negotiate the debt. After speaking with the issuing company I was directed to the collection agency. The person I spoke with in the fall was rude demeaning and lied. She made fun of me for how much I could afford to pay and even said it was a joke, and not a legitimate amount given how large my balance was. She then told me I was refusing to pay, so I paid the only amount I could,  a few hundred dollars.      I have not refused to pay and I can not believe the way I have been made to feel. Is it ok for people to make you feel poor and like a bad person? I am trying to deal with the debt like a civilized person and the company is making me feel like I am worthless. I am a United States    XXXX   Veteran , and I do not need people over the telephone harassing me in order to get more money from me. It is rude, predatory and it really makes my blood boil. Can you imagine how I feel after falling behind on my bills and then being told I am good for nothing, even after I made a payment?     The next person I spoke with was not as rude but still told me my payments were amusing and that I was going to essentially be punished if I did n't pay.
Wellsfargo has committed fraud already once against me by opening a checking and savings in my name, I tried to give this company a chance opening an account, just last year I opened a credit in my name XXXX dollar credit limit, well Wellsfargo was giving more problems with the checking I had it closed well I also disputed a charge and was sent a final decision on the the amount disputed it was permanent, wells Fargo seem to get mad because I closed the checking, they have committed fraud again, I talk to a loan officer and explained what they did, Wellsfargo charged my credit card for the amount I had disputed on my checking account and that was very illegal, the loan officer had told me they are not allowed to my charge credit for anything that has anything to do with my checking account my credit limit was XXXX im only allowed to spend XXXX they have did the samething to me I closed my credit card account do to the fact of fraud they have committed against me, they need to resolve before I get legal representation to sue wells Fargo I want this off my credit and I want compensation for the fraud they done by charging my credit for knowing that your not supposed to do that I want contact from the mediation dept to resresolve this matter, I do know Now a consumer can sue a bank now they need to resolve this before I file a suite against them
The Result of Our Re-investigation from Equifax : " If you believe this was unauthorized, please contact the creditor. If you have addition questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX OH XXXX Phone ( XXXX ) XXXX. '' On XX/XX/2016 I phoned XXXX per Equifax letter XXXX and talked with XXXX ID # XXXX she verified using my ss # it was not mine. Transferred to XXXX XXXX credit card ID # did not have. Verified my ss # this was not mine, transferred to XXXX in Auto Loans, verified my ss # this was not mine, transfered to XXXX XXXX Customer Service Mortgage Services, verified my ss # this was not mine, transferred to XXXX, XXXX Executive Office, verified using my ss # this was not mine. ( TOTAL TIME I WAS ON THE PHONE 1 HOUR 2 MINUTES ) Equifax needs to be responsible call XXXX themselves, verify and remove the Credit Inquire which hard hit my credit file. This mistake needs to be removed immediately from my Equifax file. This is a careless mistake hurting my credit.
I have a XXXX XXXX credit card through XXXX XXXX. My annual fee of {$95.00} posted to my XX/XX/2018 statement on XX/XX/18. I immediately requested to close the card and get an annual fee refund. I did not owe any balance, other than the {$95.00}, at the time. I was assured the account would be closed, I didn't have to pay anything more, and that the annual fee would be waived within two billing cycles. The XX/XX/2018 and now the XX/XX/2018 statements have cut and I still have not gotten the annual fee waived. Also, I was recently charged a {$25.00} late fee for not paying, at their direction, the minimum due on the XXXX statement. They also charged me {$2.00} in the minimum interest per the credit card agreement, even though I was told not to continue paying since the annual fee would be refunded. This did not happen for the XX/XX/2018 statement because I had automatic payments on, which paid the {$25.00} minimum. The {$2.00} interest charge and {$25.00} late fee were waived on XX/XX/18 at my request. However, the XX/XX/2018 statement just cut and now there is another {$2.00} interest charge posted. Also, my account, when logging in online, says I am delinquent and that I need to pay the minimum payment due, even though I was told by numerous customer service reps since XXXX in various chat sessions, that I did not need to pay anything. This has been " escalated '' two or three times since XXXX and there has never been a resolution.
Dear Sir or MadamThis is with regard to XXXX credit cards that I have with the Bank of America. They are on behalf of XXXX. 
A number of times in the past eighteen months I was charged a {$1.00} fee for reasons I do not understand. Each time when I called, an agent removed them. When I questioned what the fee was for, I was told it was because I had a credit and I had not used the card that month. This is absolute nonsense! 

I pay a yearly fee for the card. There is no requirement that I use the credit cards at any time. Yet, one can see in the attached XXXX bills, Bank of America charged me a {$1.00} fee for each of the cards. Payments were not made late. There is no explanation as to why a fee was charged. 
I am wondering if Bank of America is charging a fee to other customers without justification. I believe this matter should be looked into. 

I awat your reply. Thank you.
I have applied for a Principal Reduction and Loan Modification since the original Mortgage documents where made and signed by Chase representative without my consent and knowledge. Chase has not given me any compensation for the losses suffered by me and now trying to trick me into signing Home Affordable Modification Agreement documents which make the new documents take the place of the original documents since chase found that the initial documents were fraudulent. During the trail period time Chase send me letters stating that they will short sell or foreclose my house etc which puts very much stress on my family
I have just been notified that my Care Credit card ( Synchrony Bank ) has deferred interest of 26 %. I have been paying over my minimum for the last year and a half and to my dismay my " promotional purchase '' expires next week and i will be slapped with an additional {$600.00} in interest and the following month another {$300.00} for interest alone. I am completely confused by this and tried to transfer the balance to a lower apr credit card, but Care Credit denies such transfer. This is unethical. Please help!
I 'm trying to allow XXXX XXXX app to access my bank account routing number so they can transfer money to my account there saying bank of america is not allowing them.
I have been blacklisted on XXXX, a cryptocurrency exchange, for trying to use my debit card to make a purchase. Wells Fargo, for whatever reason, flagged my activity on the site as fraudulent behavior and rejected my purchase. Now my card is blacklisted on the site. This would not be as big of an issue if XXXX was n't one of the only legal US cryptocurrency exchanges. XXXX is doing their job and keeping their customers best interests in mind to protect them from scammers. Wells Fargo is acting outside of their domain and interfering with legal personal activities in which they do not have the right or jurisdiction to do so.
Hello, I would like to file a complaint against the Renton Collections Inc. XXXX XXXX XXXX XXXX XXXX WA. I have notified this agency multiple times both by phone and mail not to contact us regarding our debt with XXXX Hospital. Today they contacted my wife at her place of employment. When my wife spoke with them today they again refused he direction not to contact her at work. They refused provide any information regarding the debt. I called and spoke with XXXX XXXX who said she was a manager. I explained to her that I have notified them several times not to contact us as we are working with the medical group directly. She then became abusive and refused to provide me with her supervisors contact information. I indicated that they have again violated the FDCPA by contacting us.