WillisBack/dataset-financial-user-claim huggingface dataset:
I am filing a complaint about Portfolio Recovery Associates, they are a third party debt collection agency that purchases debt that was already charged off by the lender and then contacts the debtor threatening them with legal action if they do not pay them the amount owed from the original debt plus their added fees. On several occasions I have asked them not to contact me on my cell phone, I have even gone so far as to block the number that they call from at that time but they have an unlimited amount of phone numbers that they use to work around being blocked. They not only call me but have contacted members of my family as well as neighbors in attempts to bully and intimidate anyone that they could in order to get paid on a debt that they have no contract with me for and was already settled with the original lender.
Sent XXXX checks to XXXX XXXX XXXX from CapitalOne 360 account. XXXX claims they never received the checks, yet they were cashed. CapitalOne continues to fail miserably in finding where the money was ultimately sent and either crediting our account or sending the exact same amount to XXXX. It 's been nearly a year and no resolution is in site. Their latest attempt at resolution is, charitably, completely inaccurate.
Had a loan with Heights Finance. My daughter had a XXXX and was not working. My daughter and I live in the same house only different apartments. We combined our money to pay bills. It got tight but were doing our best to keep up. On XX/XX/XXXXheights finance discussed my entire acct with my daughter without my permission including payment amount and deferring a payment on the loan including the exact amounts needed to pay the loan and made payment arrangements on my acct without written consent. XXXX at our local branch then proceeded to call me and tell me that my daughter was XXXX and did n't know what she was doing and i should n't be helping her out with her bills, which is none of their business.
Contacted XXXX collection and requested copy of bill from XXXX XXXX XXXX. Numerous requests and never received bill or anything regarding date of service or services performed. Contacted XXXX XXXX XXXX and was told they XXXX had sold the account on XXXX XXXX   2017, and as far as they are concerned, this account is closed and XXXX now owns the debt. I have insurance that could possibly pay this bill, but without any proof of services performed, by what XXXX, nothing can be done. All credit agencies have removed this account with the exception of XXXX.
Transunion failed to positively verify the accounts and has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed XXXX  ( ORIGINAL CREDITOR : XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX )
on the XX/XX/18 i went to XXXX XXXX  to pay my monthly credit card bill i was told by the bank representative that card i was using was discontinued so he was going to send me a replacement card. i tell him that's ok. two weeks later i received a letter from XXXX XXXX   saying i was denied credit because of low credit score, the letter came on XX/XX/18 i call the bank on XX/XX/18 to let them know i did not apply for any new credit they were supposed to send me me a replacement card for the one i had which the representative says is discontinued and i did not authorized him to run my credit score, and he didn't mention anything about my credit score we did not have that kind of conversation so it has to be a mistake. they apologize for what happen and told put it in writing disputing what happen and mail it to them, which i didn't.
I disputed the incorrect and outdated information reported by his credit repository on correspondence they received. The letter was dated XX/XX/XXXX. CHAPTER XXXX BANKRUPTCY Ref # XXXX has been withdrawn last XX/XX/XXXX and I clearly informed this credit repository in the said letter. I was able to verify this with court my self. I asked them to obtain the latest public record information from the vendor of this information and NOTHING happened. Their records still show OUTDATED info which violates FCRA.
I am an XXXX in XXXX and am submitting this CFPB Complaint on behalf of my client, a homeowner in XXXX, NJ ( XXXX County, XXXX ). My client owns a home on which he has an outstanding mortgage obligation - amount currently due is approx. {$440000.00}. The mortgage Servicer is Nationstar Mortgage LLC ( XXXX, XXXX ). Despite our efforts to obtain a mortgage modification, we have encountered extreme difficulty in dealing with Nationstar, the mortgage servicer. On XXXX XXXX, XXXX, my client submitted HAMP paperwork in order to apply for a modification ( previously, paperwork had been submitted on numerous occasions, but on each such occasion, Nationstar denied the application due to an alleged document deficiency ). Through our XX/XX/XXXX submission, Nationstar finally acknowledged our completed submission. By all accounts, my client should rightly qualify for a mortgage modification - his current mortgage outstanding ( including interest and fees ) is approx. {$440000.00} and my client earns in excess of $ XXXX / per annum. Furthermore, my client carries little to no additional consumer debt ( no car loan, little to no credit card debt, no student loans, etc. ). Despite this, in XXXX XXXX, Nationstar notified my office that my client 's mortgage modification application was being denied, due to various reasons, each of which was inaccurate and/or nebulous and without grounding in actual fact. On XXXX XXXX, XXXX, I filed a formal Appeal Letter with Nationstar in order to dispute its modification application denial, and in so doing, raised a number of questions and attached key supporting documents. To date, Nationstar and its counsel have failed to the substantive questions that I raised through the XXXX XXXX, XXXX Appeal Letter. These questions included, but were not limited to, inquiries on : ( i ) the ostensible owner / holder of the Note ( Nationstar is only the Servicer ) ; ( ii ) the additional expenses per DOJ guidelines used by Nationstar in bolstering its assertion that my client has negative debt to income due to various expenses ; ( iii ) a complete list of all expenses and corresponding amounts used by Nationstar when conducting its HAMP analysis as to my client 's eligibility for a potential modification ; ( iv ) a complete copy of my client 's Loan File ; ( v ) language in either the MHA Handbook or Nationstar 's Servicer Participation Agreement which arguably allows Nationstar to deny my client for a HAMP Tier II modification by unilaterally rejiggering the interest rate as though the ARM loan was current. At this stage, the situation calls for immediate oversight and assistance from the CFPB - earlier today, my client received a Notice of Sale in his mail from Nationstar 's counsel indicating a foreclosure sale has been set for XXXX XXXX, XXXX. I have advised my client of his XXXX ( XXXX ) statutorily mandated sale adjournments of two ( 2 ) weeks each. Thank you in advance for your time and attention.
I made a purchase with XXXXXXXX on XX/XX/2018 using my XXXX credit account issued by TD Bank. I scheduled the delivery of the TV and the delivery company did not show up when on the date it was scheduled, so I had them return the TV to XXXX. So I never received the TV. Order number with XXXX is XXXX. XXXX Tracking number is XXXX. 

XX/XX/18. XXXX XXXX XX/XX/18. Shipping company XXXX did not deliver the tv as promised. 
XX/XX/18. Talked to shipping company and told them to return to XXXX. 
XX/XX/18 XXXX received the TV back at there warehouse. 
XX/XX/18. XXXX finally acknowledges on my account that they received the tv, but never issues a refund to TD Bank. 
XX/XX/18 Talked to XXXX and the hey said they canceled the order so a transaction was canceled so there should be a credit with TD Bank. 
XX/XX/18 TD Bank says they show a transaction and it was not canceled with them. 

Agents Name at XXXX was XXXX XXXX XXXX at XXXX Agents Name at TD Bank was XXXX at XXXX TD Bank also told me I need to continue to make payments until the dispute is resolved.
After multiple attempts through the credit bureaus ( Transunion and XXXX ) and through the company XXXX XXXX I have been unable to come up with a resolution to my issue. XXXX XXXX is reporting inaccurate information on my credit files ( Transunion and XXXX  ). As seen in the provided documents the account number as well as the balence owed and the last payment are all inaccurate and is yet to be verified. This trade line needs to be completely removed for the multiple inaccuracies.
I have a Care Credit account issued by Synchrony Bank. I just spoke with a manager named XXXX, who is located in Arizona, and who claims that the CFPB " makes '' Synchrony issue its confusing monthly billing statements. When I pressed him on this, he said because that the CFPB has approved Synchrony 's billing statement plan, it is tantamount to " making '' Synchrony use the plan. When I said that approving a plan is completely different from " making '' the bank use the plan, he stated it was a " matter of verbiage. '' He became more and more " snotty '' as the phone call went on. 
I have XXXX " promotions '' with Synchrony. XXXX have expired and XXXX are unexpired. Once a promotion expires, Synchrony stops listing it separately on the monthly bill and the customer begins paying interest on the expired promotion. The amount of money making up the expired promotions are lumped together into a " balance amount '' on the bill. Evidently, Synchrony applies the payment amount first to promotions that have not yet expired. If the promotion has not yet expired, that means the customer has not yet begun to pay interest on it. It saves the customer money to have the payment applied to an expired promotion, because that 's the one the customer is paying interest on. The customer has the right to designate which promotion the monthly payment will be applied to. In order to see whether the payment has been correctly applied to the promotion the customer chose, the customer has to work from XXXX separate billing statements and do math. 
I works like this : The month in which the promotion expires is the last time it 's listed separately on the bill. I have an expired promotion of {$320.00}. It was listed as expired on the XX/XX/2017 bill. I asked that my XXXX dollar payment be applied to that promotion, since I 'm now paying interest on it. On my XX/XX/2017 bill, the XXXX dollars was applied to an unexpired promotion of {$320.00} that wo n't expire until XX/XX/2017. Now, on the XX/XX/2017 bill, the {$320.00} amount has been reduced to {$250.00} ( because {$75.00} was deducted from {$320.00} ). 
In order for me to find out for sure if the {$75.00} will be applied to the expired amount, I have to wait for the XX/XX/2017 bill. If the promotion reduced to {$250.00} on the XX/XX/XXXX. bill goes back up to {$320.00} on the XX/XX/XXXX bill, that will mean the {$75.00} was applied, as requested, to the expired promotion of {$320.00}. 
Since the expired promotion will never again be listed separately on my bill, I will have to keep going back to the last bill on which it appeared ( XX/XX/2017 ), and doing addition and subtraction on the recent bills to see whether the expired promotions are being paid as per request. 
By the way, I have to cal Synchrony every month to have the payment applied to one of the interest bearing promotions. 
I suggest that the CFPB look at this system and suggest ways to make it less of a burden on the cosumer.
I have vehemently contested the wrongful foreclosure of my home by XXXX XXXX XXXX since XXXX 2012. Notwithstanding, the lawsuit I filed on XXXX XXXX, 2012 is currently pending in the XXXX Circuit Court of Appeals. 

I have filed complaints with the CFPB, HUD Inspector General, and the Courts. 

However, while the lawsuit is pending, XXXX XXXX XXXX has transferred the servicing of a zero balance loan to Nationstar Mortgage to collect. 

XXXX XXXX XXXX has never tried to collect any debt from me after the foreclosure sale of the property on XXXX XXXX, 2012. 


I 've attached documents to substantiate my claims.
In XX/XX/XXXX I received a secured Mastercard through Capital One. On XX/XX/XXXX I called into Capital One to see if I could upgrade this secured account to a non-secured account. After receiving poor customer service, I made the determination to close my account. I asked the account manager what the balance due was in order to close the account and he said {$400.00}. Knowing I had a {$390.00} security deposit, and confirmed that could be applied to the balance, I made a {$1.00} payment to close the account. On XX/XX/XXXX I received a statement saying that I owe {$8.00} in interest that was not applied to my account until after it was closed. I called into customer service to report this as an error, and I was told that it was called " trailing '' interest that was not added to my account until after the statement cycle was over, even though my account was paid in full before this date. I asked to have this amount waived, and was told that it was not a possibility.
Upon acquiring my mortgage loan, SLS loan Servicing contacted me two months later stating my escrow account was short over XXXX dollars, and they would need to raise my payment in order to make up the difference. A representative on the phone told me it was law that SLS needed to have the surplus in escrow, which it is not. As a result my payment was raised for a year. 
Just today, XXXX/XXXX/2016, I received a letter of collection from SLS loan servicing stating they have no proof of homeowner 's hazard insurance. My policy renews automatically, and they stated in the letter they are billing me for the insurance they had to purchase for approximately XXXX dollars. I have had no lapse in coverage, yet their tactics allow them to claim they can purchase insurance and collect from me due to their disorganization. This is simply unethical, and fraudulent, as they have my homeowner 's policy information on file to very. Additionally, they never contacted me until now that they did not have new coverage info. According to their correspondence, I can update my information via their website, which is consistently down and unavailable.
They harass me continuously. Calling my cell phone, Calling my wife 's work phone, and also my work. I 've told them multiple times to quit contacting my wife and my work.
i got letter from citicard that my card ending in XXXX  had been credited XXXXper agreement with you..i never received this credit..i called citicards and theysay the credit was issued but could not give me a date..i have-not been credited this settlement amountXXXX XXXX XXXX
ARS National Services , Inc.  keeps contacting me even though I have asked them not to do so by writing them and including this statement : " I also hope to save both of us a great deal of time, energy and expense by letting you know that I have no attachable income ; essentially I have no money and can prove it. In accordance with the Fair Debt Collection Practices Act,  15 USC 1692c, 805 (  c ) : ( c ) CEASING COMMUNICATION. " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt ... '' They still persist. Latest contact from them was dated   XXXX   XXXX   XXXX    .
I own several personal and business cards from American Express. Generally, I am quite satisfied with the level of service and professionalism that the bank provides and we share a mutually beneficial relationship. I spend a lot of money annually between all of my cards and for that I am awarded a mix of cash back, and reward points. Our relationship spans many years. 

This complaint is regarding my reward points. Sometime in XXXX of this year, I tried using some of my points and was unable to do so. It seems that American Express had placed my account under review and during that period the rewards are inaccessible. I was not notified in writing or otherwise, prior to this review being done. I was not warned. As far back as I can remember I have always been notified of any changes done to my account. This would be the first time that this was not done. 

I have called in quite a few times regarding this, and each time I am told something else. A request to have this concern escalated and resolved was placed, with a promise of a call back or response within 5 business day, but I never heard back.

Most agents do not seem to understand what is going on, and no one can provide me with an explanation. As of today, it seems that my account is still under review.

The most that one agent was able to advise me was that the review is due to some minor refunds I made on my business card. I do n't understand how that may be related to this issue. Another agent advised me that it may take 6-8 weeks from the initial date to hear back, while another told me it could take up to 10-12 weeks. Each agent advised me of a different start date as well so that the completion date varied. I was also told I would receive a call or letter, but none has been received to date. 

I requested to speak with the individual or department handling my account so that this matter could be resolved once and for all. No one was able to provide me with a contact number or name, and there was n't an option to be transferred to them by the agent answering my call.
Navient Att : Dispute Department XXXX XXXX XXXX, PA XXXX Re : Reference : XXXX ( XXXX Navient Private Loans ) are not ( 60 days Late ) Dear Sir/Madam : I am disputing the above-reference. Please verify these days as required by the Fair Debt Collection Practice Act. 
I dispute this accuracy due to Financial Hardship and loss of employment because I did provide notification to Navient representatives on my account, thus, having extra time to pay the monthly payments and interest loan amounts in a timely matter to Navient. It appears as negative accounts on my credit report. I believe this business practice is reflecting negatively and is difficult obtain a financial position in a job market. Please remove from all three credit report agencies entirely. 

The days that were paid were XXXX XXXX, 2016, XXXX XXXX, 2016 and XXXX XXXX 2016. 
The application submitted for was submitted as a forbearance before XXXX XXXX 2016 to allow sufficient time for Navient to record payment made and retract any negative impact on my credit report. I was never 60 days consecutively late. The one payment I missed was XXXX 2016. And it is why I applied for the forbearance. 
Navient processed the forbearance late after XXXX XXXX making XXXX payments late causing a negative reporting on my file and submitting false reporting to the credits agencies I am disputing this days and amount own and as recorded, you should not report it to the credit reporting agencies, if you have already reported it, please notify the credit reporting agencies that the delinquency is disputed and delete the trade-line from my credit report. Reporting information that you know to be inaccurate, and failing to report information correctly, violates the FDCPA and Fair Credit reporting Act. 
Aside from verification of the days, do not contact me about this debt. The FDCPA requires that you honor this request. Thank you. 
Sincerely, XXXX XXXX Cc : Consumer Financial Protection Bureau, XXXX Department of Consumer Affairs, and Federal Trade Commission- Consumer Response Center
Im desperate and hoping you might be able to assist me. I am a XXXX-year-old XXXX mom struggling to put my daughter through college as well as pay off my own grad school debt. I was looking forward to having my debt forgiven under PSLF in XX/XX/XXXX after working in public service and paying my Federal Stafford Loans under the IBR program faithfully since XX/XX/XXXX. 

About a year ago, I discovered that my type of Federal Stafford Loans were discontinued in XX/XX/XXXX,  and the newer type of Stafford Loans are the only ones eligible for public service forgiveness. I had no idea that this was the case, and was never informed of this by my loan servicer, AES. Back in XX/XX/XXXX, the website clearly stated that Stafford Loans were eligible. When I called AES in XX/XX/XXXX, I was told that I would become eligible if I consolidate my loans, but that the clock would be reset and Id have to make another 120 payments before my loans would be forgiven. I immediately consolidated my loans, and they are now serviced by XXXX XXXX. 

I dont know where to turn. Im heartbroken over this, especially after dedicating the past 10 years to public service as a XXXX where I knew I would make less money but would be making a difference in my community. Now I am seriously concerned that I will end up spending my retirement in poverty.
My taxes were not paid. I will most likely end up paying late fees because of Mid-Island mortgage incompetent service.
XXXX XXXX XXXX XXXX from 2012 to the present of theft and fraud of people using my personal finance info to obtain mortgages. 

XXXX XXXX XXXX of the same people with fraudulent issuance of mortgages on my behalf. 

XXXX XXXX XXXX which is XXXX XXXX now - same fraud and identity theft and fraudulent mortgages. 

XXXX XXXX XXXX  XXXX - same fraud application for mortgages on my behalf. 

XXXX XXXX  - same fraud mortgages XXXX  XXXX XXXX XXXX - same fraudulent mortgages on my name and info. 

XXXX XXXX  XXXX - same fraud mortgages on my name.
I have been contacting XXXX/navient for years to get income sensitive repayments. I was always told I do n't qualify and instead should do a forebearance which would still have interest accrue causing my loans to be higher while making no payments. I still need my payments reduced and nothing is being done.
Barclaycard must have initiated a change in their fee waiver policy/strategy that no longer treats customers fairly. They have firmed their stance that regardless of loyalty to brand, credit worthiness or payment history, they will not waive fees that are not a bank error. This stance is unfair and disparate treatment ; if I were stop paying my monthly payments and allow my account to fall delinquent, I would be rewarded by various payment programs that would reduce my interest, zero it out all together OR, waive fees. IF your stance is to only waive fees in the instance of a bank error, then this stance should spread across all lines of credit whether I am a customer for 10 years and never went late, or a customer who is 100 days late. To further exacerbate the change in policy, the customer service agents are ill equipped to deal with the push back customers who have faithfully honored their terms and agreement are more than entitled to give. In the past, instances of oversight or in my case, Tropical Storm XXXX taking out my power, our requests have been reviewed levelly against our payment history and previous fee reversals. On XXXX/XXXX/2015 I called to request a courtesy reversal of a fee that posted to my account at midnight on the date of my payment due date. I explained to the representative that I was unable to schedule my payment on the website or even by phone because I had no power. There were many news bulletins, warnings for my area and expressed power outages in my area. My payment was scheduled at XXXX the very next day when I saw that power was restored. My payment was technically XXXX hours late. Despite my explanation and the absence of previous fees, I was treated rudely, placed on extensive holds and ultimately hung up on by the agent. This behavior is unacceptable and unfair to customers who have no idea that a change in policy has been implemented. If this is the way Barclays intends to proceed they need representatives who can better communicate this to customers who deserve the benefit of the doubt ; especially when customers who do not honor their terms and agreement are given leeway that contradicts what I was told on XXXX XXXX, 2015.