WillisBack/dataset-financial-user-claim huggingface dataset:
I am complaining about paypal decision on the claim I filed. " I purchased iphone 6s XXXX for XXXX on XXXX. I stated that I am buying it for my mother in another XXXX so I needed clean ESN but as it turns out it did not have clean ESN, it had unpaid bliss. So I waited to get to my home XXXX and then bought unlock service on ebay. It took a while, but today when we got message that phone is unlocked. We turned on the phone and finding out that it is on XXXX lock!!! Phone is not going through the activation process and asking for email and password. Unlocking process that we did, does not affect XXXX lock, it is written on apply website. Moreover, when we visited several XXXX stores, we were told than wrapping is not factory XXXX and that someone already re-sealed it.I am opening a dispute for this. I want either to get rid of XXXX or i want my money back! The phone is still new, I could even activate it or used because it has XXXX lock. '' I filed a claim asking to remove XXXX or sending phone back and get refund. Paypal decided the case not in my favor, so no remove XXXX or send phone back and get money. I have a phone that I cant use, I cant neither fix it or send it back and Paypal is deciding in seller 's favor.
Bank of America targeted me for an offer of XXXX XXXX miles upon opening a new credit card with them. I applied for and was approved, and only received XXXX XXXX miles. I was told I was not credit worthy. I have a credit score above XXXX, top 1 % of income, and a perfect payment history. This is a blatant bait and switch. I was offered to apply again, with the SAME CREDIT SCORE, SAME CREDIT HISTORY, and was given no guarantee that the promise of the missing XXXX miles would be kept. This is dishonest advertising, and disrespectful handling of a mishandled situation. They should make good on their promise, and give me the missing XXXX miles. They should not further string me along with the false promise that I will qualify for a larger credit line with a second application. This is dishonest.
My service provider XXXX sold my mortgage loan to Nationstar in XXXX of 2014. I have been having issues with the way they allocate my monthly payments to my account. The applied portions of the payment to principle and interest is not being done as it was with the former provider. I have also gotten statements that show no amount due for the months of XXXX, XXXX, XXXX, XXXX and XXXX. XXXX was the only month there was an amount due shown. When I called the customer service about it, I was told they would check it out and have it corrected. I sent an e mail to their research department and got a response saying I did not make a payment in XXXX and the account was overdue. How can an account be overdue if the statement shows no amount due. I have spent several hours on the phone with their customer service and loan specialist with no satisfactory resolve to the issue. I need to know what to do to get them to correct the way they are handling my account. Please advise me on this matter and let me know what kind of documents are needed to pursue action and resole the issue. This was originally a home equity line of credit account which the provider is no longer honoring the line of credit portion. I did not authorize any changes to the original loan terms, but the new provider is not following the same procedures as the original provider when it comes to billing and accounting.
XX/XX/XXXX and again XX/XX/XXXX I received a Notice of Default on a property that I own in Washington State. No action was taken by Nation Star ( the lien holder ) at that time, just the notices. XX/XX/XXXX I called Nation Star to see if they would consider a deed in lieu and began working with one of their employees named XXXX XXXX. By XX/XX/XXXX it was decided by Nation Star that they would not move forward with the deed in lieu because of site issues with the property. I then started working with the short sale department with Nation Star. I had a buyer and a back up buyer on board at that time. 
Nation Stars policy regarding short sales, I was told then and just again today ( XXXX/XXXX/XXXX ) is to hold an auction. There were XXXX auctions from XX/XX/XXXX through XXXX XXXX without a bid on the house. I was told by Nation Star that they would put the house up one more time before XX/XX/XXXX and if no buyer was found then they would proceed with the foreclosure. So my real estate agent and the buyer walked away from the deal. In XXXX of XXXX I was contacted by Nation Star to see if I would consider another short sale agreement and I said that I did n't think that my real estate agent would agree nor the buyer if another auction would be a part of the short sale process again. They told me that since the Notice of Trustee Sale was to be held in XX/XX/XXXX they probably would n't move forward with an auction, so I called my real estate agent and she called the buyer and we began again the short sale process. As of today, XXXX XXXX, XXXX, Nation Star wants to proceed with another auction on the property. I had requested in writing that they bypass the auction and either proceed with the short sale or go to foreclosure. I was told that they would consider what they wanted to do and would contact us through their equator program. Have n't heard a word from the equator XXXX XXXX with Nation Star. That request to bypass the auction process was delivered over a week ago.
XXXX XXXX XXXX has been a big pain!. I've never experienced a negative credit hit and i'm always relatively on time and serious with my payments! My loan has been open since XX/XX/XXXX and each month my bill comes due on the XXXX. Every month I either call in my payment using a checking account or via web to take advantage of a of the free option.On XX/XX/XXXX I logged into their website to make a monthly payment. XXXX XXXX XXXX only provides two ways to 3 ways to make a payment without charging a fee ( i.e. ACH, by mail, and auto pay ) For some odd reason online it kept forcing me to pay a now {$6.00} fee to make a payment using my checking info ( ACH payment ). After several failed attempts to make a free payment i decided to wait til the next day so i can speak with someone about the issues that i was having. 
On XX/XX/XXXX I contacted XXXX XXXX XXXX to see why I couldn't make a payment for free like I had done the entire time. I spoke with an agent who advised me as of XX/XX/XXXX there is no way to pay free unless its auto pay or by mail. The representative also advised me that management told them to inform us consumers that a letter and email was sent out regarding the update. I advised the representative and spoke with a manager to inform them that they failed to inform their consumers regarding a significant update. I was charged 10 days worth of interest due to me having to mail in a check to take care of my payment. If I had been properly notified, this issue would be unheard of. After speaking with manager, the only thing they could do was apologized for the " inconvenience ''. I have provided proof that on XX/XX/XXXX there website still showed paying ACH as a free option. this financial institution failed to properly notify their consumers of new fees and payment methods. You can not penalize the consumer for this improper conduct
XXXX XXXX account is showing open on my credit report, this account was previously closed on my credit report, I disputed this item with all XXXX credit bureaus and it still shows open, it keep being sold to different collection agencies and showing up on my credit reports, XXXX I disputed this matter, this account shows actively open and being reported on my report each month, last report shows XXXX XXXX, this account need to be closed and not reported to the credit bureau each month. 

XXXX XXXX XXXX This account is showing closed on some credit bureaus and open on some, I have previously disputed this and the account was closed and the reported was stopped and then it was reopened, this account is actively reporting to the credit bureau and last report was on XXXX XXXX, XXXX, this account need to be closed and stop actively reporting to the credit bureau.
Recently FIA card services closed all XXXX of the credit card accounts I have with them. They also failed to pay {$200.00} worth of reward dollars to me for my purchases I made with their credit card prior to the account closures. Had I known they were going to close my accounts, I would have made these purchases with another credit card. Throughout my relationship with the company I always paid my bill better than required, and I never made a late payment. I followed their terms and conditions, yet for some reason which they have not disclosed to me, they closed my accounts. 

I want to receive the {$200.00} in reward dollars they promised to me in accordance with their terms and conditions. I tried to resolve this by calling FIA, but the telephone representative was unable to redeem the XXXX points to my Fidelity account.
I received a solicitation from XXXX for an American Express credit card. This occurred despite my name being on the opt out list for prescreened credit card offers ( XXXX ). I placed myself on the permanent opt out list several years ago.
I wrote to Ally about late payments on my auto account, asking them to verify and show proof in writing of my signature to verify my late payments. I gave them several opportunities in the past year to show me this information even though the FCRA gives them 30 days frIm the time of my first request sent by certified mail to show the date. They have never shown me validation of this debt, just internal reports showing that they have in their records that I was allegedly late with 7 of my payments out of the 84 that I made. They have no need or no use to continue to report this illegal information since they didnt verify my signature stating my obligation to repay the debt in the 30 day period previously mentioned. This is a closed account paid in full. They are not acting in good faith to remove these illegal entries of my allegedly being late with payments. I always maintained contact with Ally throughout the course of the loan and paid back every cent of my obligation. Please direct this company to remove these incidents of 30 and 60 day lates that only cause harm to my rebuilding credit. They are on there illegally.
I XXXX XXXX do not owe XXXX I paid them Before account went into collection I am attaching my payment receipt and I would like XXXX removed from my Equifax credit report
In XX/XX/2016 I took out an auto loan with Peoples Financial Company at XXXX XXXX XXXX XXXX, XXXX Georgia, XXXX. I was told by the loan officer XXXX XXXX that they did not have an online payment system set up. I could email him each month with a credit card authorization form and he would credit my account. The due date was the XXXX of each month. I did this in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX the email was returned saying that XXXX XXXX email account with Peoples Finance was no longer valid. So I went and paid it in person for the XX/XX/XXXX and XX/XX/XXXX payment. In XX/XX/XXXX I went to their location to pay the loan off early thinking I had 5 payments left and a loan officer said I missed the XX/XX/XXXX payment and now had XXXX late fees amounting to XXXX. I said that I had not missed any payments or had been late. They said that the loan officer XXXX XXXX no longer worked there and they were not responsible for emails sent to him. I said that I was doing what their employee told me to do but they said they would not remove the late fees because he did not work there any longer. I tried to talk to the branch manager and he will not return my calls. Ive talked to 2 other people in that office and they tell me that it is my fault that I sent an email to their employee who no longer worked there and therefore missed the XX/XX/XXXX payment. I want my late fees reversed and do not want my credit report to show me as being late on this account.
I 've already paid in full and settled this case in XX/XX/2016. 
I have a receipt of my payment to prove that I owe nothing.
I received a letter stating that someone tried to get credit at XXXX/XXXX.This was an unauthorized attempt.
Capital One said they have closed all accounts due to a business decision. However, if this the case how was the investment account not closed? I had to go through several means to get the investment account closed. Capital One explained why they could not send a postal confirmation. Just wanted clarification in regards to this matter.
Berlin Wheeler is repeatedly calling me on my cell phone and my work phone. I feel they are being threatening and they are violating the FDCPA as I have told them repeatedly that they can not call me at work.
XXXX is trying to collect on a debt that was previously being collected on by XXXX. I submitted a police report and FTC Affidavit to XXXX before they submitted this out to this other collection company
I applied to a pre-approved loan. Once applied, I was approved and was told to sign ( online ) the agreement form in order to process any further. I read the loan agreement and decided not to pursue any further due to the interest rates they intend to charge. For a loan of {$250.00} they want to charge an interest rate of 865.8168 %!!! The total amount to pay back according to the agreement would be in the amount of {$1100.00}. Now again, this is for only a {$250.00} loan. 
Now they are harassing me through multiple phone calls a day and emails. I do not want to do business with them if they are trying to use me like this and I wish them to answer to their reasoning of charging such an insane interest to people who desperately need the money in order to make ends meet.
We are requesting short sale on an XXXX mortgage for a deceased veteran. The formal file was sent on XXXX/XXXX/2015 and additional information was requested and sent on XX/XX/XXXX. During followup on XXXX/XXXX/2015, calls to the customer service was transferred to multiple places and finally it was moved to and connected to the Single Point of Contact. The single point of contact then informed me that nothing was done on the file and there were no documents received on the field and nothing was done. We did receive email and fax confirmation that the document were received and but the servicer says there is nothing on file. Also informed that the process could take 3-6 months. That it deplorable for processing on and charged off, XXXX mortgage for a deceased borrower. Totally unacceptable. After three of submission there is not record for document receipt, the file is not open, and inadequate response form the servicerimprove the process of receiving documents from borrowers and confirm receipt. There seems to be no accountability on the servicer side. Only time delays and excuses.
In XX/XX/2015 {$22000.00} was wired from my personal bank account at XXXX to cover illegal charges. The identity theft continues till today. I have lock my personal information and credit thru the agencies. I have contacted all appropriate law enforcement but to no avail.
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of XXXX with XXXX XXXX XXXX XXXXXXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
I spoke with someone on the phone at FedLoan Servicing a few weeks ago in order to have the maximum amount of a recent payment first directed toward my loan with the highest interest rate. The payment amount was more than sufficient to pay this loan off in full. The request also asked that the remaining amount of the payment go toward my loan with the second highest interest rate. 

I submitted this same request via email prior to my phone call, but received no response from FedLoan Servicing in return. 

After my phone call, I was told to wait 20 days. Now that 20 days has passed and the payment has finally been re-allocated, I see that my directions were not followed correctly. I wanted to pay off the high interest loan IN FULL, which is exactly what I discussed with the representative on the phone a few weeks ago. Instead, the money was re-allocated in some random way between all my loans. I am getting concerned that interest is accruing despite the fact that the check has been cashed for some time now and my request for a full loan payoff has been made numerous times and is still not implemented.
I have called Fulton Bank 4 times over the last 6 months to close the credit card account of an estate for which I am the executor. Each time, I am told to provide the death certificate and proof that I am executor, and to call back a few weeks afterwards. Each time, I have faxed the requested documentation, and called 3 weeks later, only to be told that they do not have the documents. The last time, they said they got the death certificate but not the proof I am executor. I have faxed the Letters Testamentary from the Surrogate of XXXX County ( stating I am executor ) several times. I have had enough of their incompetence. Every other creditor has been easy to work with and closed the account/credited any interest since the deceased 's date of death. I have no idea why this company can not improve customer service for those who have lost a friend or family member.
On XX/XX/2018 my wife and I checked into an XXXX XXXX for what was supposed to be a 7 day stay. Upon checking in that evening after flying into our destination, we were extremely disappointed in the cleanliness and filth of the home so we left 1st thing in the morning and checked into a local hotel. XXXX XXXX refused to give us a refund for our stay for the 6 nights we did not stay and insisted that they keep the full {$350.00} even after we sent them photos of how disgusting the house was. 

At this point, I called Chase Bank to dispute the charge and Chase gave my a provisional credit. Chase was able to see that we in fact checked into a hotel seeing that I used my Chase Credit Card for the hotel. They said that was sufficient to show that we did not stay at the XXXX XXXX and we thought the issue was resolved. I explained to Chase that I was willing to pay for the one night ( 12 hours ) we did stay and they said there was no way to refund only 6 of the 7 nights. 

Well now, over 2 months later, Chase is reversing {$260.00} of the {$350.00} that was originally reversed. After 3 phone calls with Chase, I have been told I have no recourse because XXXX XXXX provided documentation that substantiates the charge. Really??? So what was supposed to be {$50.00} a night is now {$260.00}? Chase could not refund my account only the applicable {$300.00} for the 6 nights we did not stay, but they can now credit XXXX XXXX {$260.00} for one night? 

Chase refuses to send me a copy of XXXX XXXX 's response to them so that I can properly refute their response. Chase would not let me speak with a manager and  acts as if its a closed deal. XXXX XXXX made NO attempt to settle this issue with me and now Chase is making no attempt to represent me as their customer either. So I apparently have no recourse except to file this complaint and/or hire legal representation which would cost far more than the {$260.00} that was in my opinion, just illegally taken from my checking account.
I have received XXXX voicemails from this company. In XXXX calls, they impersonated an attorney and law enforcement and also indicated that I had committed a crime. They said that the person calling me was an " arbitrator '' and that I had been named " a person of interest in an ongoing investigation. '' The caller also stated XXXX times that my " recorded verbal testimony '' was required in order for the investigation to proceed. In XXXX call, I was also told that if I did not respond soon, the investigation would go on without my input. I would also like to state that the caller has never identified for whom they are calling. If they are calling for me, I do not have any accounts in collection.
I was sent an unsolicited credit card from Bank of America XX/XX/XXXX. Shortly after, I was laid off from my job due to the economy and was unable to find a job for over a year so I used the card for gas & food during that time. I soon fell behind in the payments and most of the card debt was late payments and penalties. Unfortunately I had moved and I forgot about it when I started working again. XXXX XXXX bought the debt years later and sued me. I tried to explain my circumstances, that I was in school and did not make very much money and that I owned nothing. I 'm still driving the XXXX Impala that mother bought me when I was in high school. They refused to listen and threatened & intimidated me into signing an agreement to pay {$75.00} a month which I knew I could n't afford, but I had never had any dealings with the law so I was scared and thought I had to sign it. When I could n't pay it, they sued me. I know I have to pay it and I have been sending them {$25.00} a month but I lost my lease and had to move so I was unemployed again XX/XX/XXXX. I worked odd, temporary jobs during that time and finally found another full time job XX/XX/XXXX but I only make {$11.00} an hour and have been struggling to survive and catch up on my rent since then,. But I started paying the {$25.00} a month again then. But XX/XX/XXXX, XXXX froze my bank account and took my last {$190.00} out which meant I had no money for food and gas for over a week. When I read up on Florida Garnishment Rules, I saw that they are not supposed to be able to garnish a person 's salary if they make below a certain level and that includes their bank account if it can be proved that the money was income. The only money going into my bank account was my salary. I have tried to talk to them several times and even had my mother call them because I 'm not very informed about these matters, but they only say they are trying to collect a debt for their customer and wo n't agree to a lessor payment. It is not for a lot of money, only about {$2500.00} but I do n't have it and neither does my mother. She lost our house to Bank of America XX/XX/XXXX and we have both been trying to recover since then. We ca n't even afford a lawyer to fight them and feel like we are victims of the law and have no recourse against this unscrupulous company. We will pay the debt but we need time. I have told them that as soon as I can pay more I will increase the amount. But I need enough money for rent, food and gas so i can work and i do n't make much more than that. I would like to pay it in full now but there is no way i can do so. ( My Mother is writing this for me as I 'm not knowledgeable about these things ).