WillisBack/dataset-financial-user-claim huggingface dataset:
I have had ongoing issues with Chase Bank ( Credit Card Services ) and because of all the problems I have been experiencing I escalated several complaints to Chase 's Corporate Department and have spoken to various representatives. The problems were pertaining to their dispute department with the uneducated and sometimes nasty agents I had to speak with as well as Chase 's Customer Service Department. I have to call several times to try to get a representative that can assist me and many times have to ask for a supervisor to assist me properly. Most recently on Friday, XX/XX/2017 I had requested to speak to a supervisor about a purchase of a cell phone case that I should have received that day but did n't. I explained the situation to her and she said she was crediting my account immediately for {$5.00}. Tonight, ( XX/XX/2017 ) when I checked my account on line, I did not see the credit ; therefore, I called Chase 's Customer Service Department to question the status of the credit. I was told by XXXX, the agent I spoke to that no credit was applied to my account and that the supervisor 's notes did n't mention the credit. XXXX was also referring to accounts that I am not aware of and also had the incorrect phone number for which I had updated the new number many times. I was not satisfied with the agent 's handling of the call so I then asked to speak to a supervisor and was connected to XXXX who tried to assist me but unfortunately XXXX XXXX said their systems were down and he could take my complaint but could n't provide me any account information because of the system update. I questioned as to why XXXX a few minutes prior was able to give me information, albeit not all accurate. He said he should n't have given me any information because when the systems are updating the information may not be correct. So, once again, I am going through this vicious cycle with Chase. I did ask XXXX, the supervisor, to please listen to the recorded call that I had with the prior supervisor who verified several times that she was immediately going to issue a {$5.00} credit to my account because I feel the supervisor misrepresented me about the credit. 
At this time, I have more than adequately provided Chase with any updated personal information that is needed for my account ; therefore, it should be accurate. Although I have provided them my current phone number many times, they are still calling me on a prior number that I very rarely use. They are also leaving messages on that phone which I hardly check. 
How many times should be considered reasonable and necessary that I have to contact Chase customer service and their dispute departments to get a simple issue resolved?
I had made a purchase online for a XXXX XXXX. the seller said to transfer the money through XXXX, I then send {$65.00} on XX/XX/2018. after the seller had told me that she had not received the funds and to send it again to another number, I told her I couldn't because on my side the money had been taken out. I then called Bank of America about my bank account and they confirm the funds had been taken out. after I was going back on checking the sellers page it was gone ... the next day the seller message me again that she had not received the funds. I then did not feel right and called Bank of America to file a fraud claim. they gave me the run around and said " we'll try to see what we can do and it'll take 10-45 business days '' after I asked " what do you mean " try '' '' the customer service rep. said. " if you initiated the transfer there isn't anything we can do '' which just made me feel unsafe with my own bank which I have been banking with over 10 years.The representative sure did not seemed surprised or like she would do anything else to help me resolve my fraud claim, I can not wait 10-45 business days for a response which by the sound of the rep looked like I wasn't going to be getting anything back. I have also tried to look through XXXX website and there is NOTHING about fraud ... or scams.
I have defaulted on my private student loans. I owe XXXX dollars to navient. I have got into a program to pay on my loan. I have been in the program for over 6 months. I was looking at my credit report to determine if I can go about getting financial backing for a loan. All of my loans are charged off. I understand this happens in default but I believed if I made consistent agreed upon payments on my loan that it would reflect on my credit that I was trying to work with my creditors. I called navient today and tried to see what are my options. They informed me that the only way to change what is on my report is settling for XXXX or paying my loans off with them. I am currently trying to fix my credit and move into the next phase in my life. These student loans are a nightmare that never ends. I know it is my fault for letting them default in the first place but I could not afford them when I got out of school and when I finally got steady work and was able to get into a program that I could afford, the loans were already defaulted. And because of my private student loans I do not get the benefits of the federal student loans. I am at the mercy of my lender. I would not mind settling with navient however I would have to do it in payment arrangements over time. I really just want the debt of student loans to end as soon as possible. I want to be able to buy a house in the next five years.
Navient has unrightfully denied my attempts to join an income-based payment plan. I have submitted the necessary paperwork 6 times. I have been denied, for various and illegitimate reasons, all 6 times. 

I called Navient Customer service the last time my application has been denied. I was told that the reason I am being denied was because I did not add the words " Gross Income '' to my written Income Statement ( the statement that accompanies the proof of income. ) I was told that after fixing this issue, all my paperwork would be acceptable. Thus, I fixed the issue, yet I was still denied. 

Navient is seems determined to continue to deny my attempts at an Income-Based Repayment Plan, despite the fact that a W.V. XXXX XXXX CAN NOT afford the high, standard payments.

I have been forced into forbearance, until the matter can be resolved.

The only email I have ever received : " We've received your request for an Income-Driven Repayment plan ; however, we're unable to process your request at this time because the proof of income you submitted did not clearly indicate the pay frequency ( i.e., weekly, bi-weekly, monthly, etc. ). In the meantime, please continue making your payments as scheduled. '' ***My last Income Statement is included. Along with this written statement, I have submitted a pay stub from XX/XX/2017, and an application for Income-based Repayment. ***
On XX/XX/XXXX, we had opened up Home Mortgage account with US Bank in XXXX, MN. Along with that they opened up Line of Credit account without our knowledge. Getting to the content of the description. We paid of Home mortgage on XXXX of XXXX. Our accounts with US Banks were closed. However, they kept our line of credit account open, which we were not even aware that we had one with them. Anyhow, we did not use line of credit as we were not aware of having an account. However, US Bank kept charging us {$29.00} to $ 24 monthly service charges from XXXX of XXXX to XX/XX/XXXX resulting the total charges of {$540.00} that we were not aware of. 
I went to US Bank in XXXX of XXXX for other banking and that's when I found out that there was {$540.00} charges on so called " Line of Credit '' account with US Bank, which gave me shock at the moment. 
Since XX/XX/XXXX to XX/XX/XXXX, I was with US Bank asking them to resolve this issue since these were not legit charges. At one point I was given assurance that it will be removed. However, On XX/XX/XXXX, when I ordered my credit report through experian, that when I fount out that US Bank had wrote a charge off on this amount of {$350.00} and it's on my credit report, which should not have been there. 
I'm bagging for your help to resolves this issue with US Bank in our favor since these are service charges that we have never used the service of. 
Please help me by talking with US Bank and finally to credit reporting company experian to sort this. 
I'll really appreciate your time in resolving this matter. 
Should you have any questions, my phone number is ( XXXX ) XXXX. 
my email address is XXXX Thanks in advance.
This company, Velo law did not properly serve me a summons. The summons was left with a family friend and was not signed for and the officer ( or person she described dressed in a police officer uniform ) told her that I didnt not come get the packet from her as soon as possible and respond I could be going to jail and its possible I already I have warrant out for my arrest. I immediately called this agency to try to handle this and I was advised that I first had to pay for them serving me before anything could be handled and they also needed a financial statement from me. Also the amounts they are suing for are incorrect. Also the original creditor says another company holds the debt. The place they claimed they served me is not where I live its just my mailing address. I was not there and did not receive the summons nor was it signed for
My credit reports shows that I am 30+ plus days late on a credit card with XXXX XXXX XXXX XXXX although this account/card was never activated and was closed because you could not verify my information. This account should n't show on my credit at all.
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There is also no way for me to make a payment if my account access has been restricted due to closed account! Also no use is on this card.
I use a US Bank rewards card for company expenses and pay it off each mot month. When I was reviewing last months statement yesterday, I noticed that a {$57.00} interest charge had been added. I was surprised at that because of my pay it off each month process. I checked the date of the payments last month to see if they arrived late ... no they were there on time. Then I checked the past due line on the statement and there was zero showing as past due. So I called to see what I was missing. After all {$57.00} is real money. The person on the phone quickly advised me that they would waive the interest charge, but the reason it was generated is the reason for my complaint. Turns out, due to my check writing error, the XXXX checks I wrote from different accounts for last month 's payment was XXXX short of full payment. So interest was charges as though I had n't gotten the payment there on time for the entire amount. Excuse me..this sounds like illegal activity to me even if it was just a computer error or something. I had a XXXX shortage of my payment, which was rounded off to show zero in the past due, but the interest function charged me {$57.00}. I wonder if the interest rate on a XXXX charge is to get to {$57.00}. Not sure it is calculable. I know that I was not out any money because I called and asked about it, but what if I had n't, and what about all the people that just pay the balance showed and end up paying those charges on mistakes like that.
I am in the process of trying to obtain a mortgage and reviewed my credit report for inaccuracies. I sent the below certified letter to the company after I received no response to my first two certified letters to dispute the account : " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on X/XX/2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required time-frame, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. ''
I keep getting calls and now I just received a letter from a an attorney w/o works with debt collector. These debts there referring to were included and discharged in my bankruptcy. I feel threatened and so much XXXX. I have told them several times over the phones it was included in my bankruptcy. Thank you. 
XXXX XXXX XXXX
Every day they call and leave a message that " this call concerns a matter of important personal business. '' I've talked to one of their representatives and he says my number isn't in their system but they continue to call and leave a message every day.
I received information to open credit with a person name using my address. I have already complained to this company. There is no one hear by the name XXXX XXXX XXXX. I lived hear with XXXX other person for 3.5 years.
Car totaled! Company did n't pay bank all that was needed to clear the balance off of my credit balance report. Car company owes the car insurance that we paid for during the loan of the vehicle. And car insurance did't pay off for the rest of balance. I have full, total car insurance on the vehicle that was totaled. Why was n't this fully taken care of?
I am relocating to California and apply for a loan of {$800000.00} to buy a primary home there. Wells Fargo is one of the lenders my relocation company uses. I submitted my application and needed documents a month ago ( XXXX XXXX, 2016 ) and still do not have an approval from it as of today. Its slow response and service level is UNACCEPTABLE. I also discovered yesterday that the loan officer misled me when he was quoting me the rate. There is no discount point to be paid under current market condition according to my relocation company, but he told me that a XXXX point discount is provided. Had I continue the path with Wells Fargo, I would have to pay {$16000.00} fee at closing. It appears that Wells Fargo has a bunch of incompetent people. For your reference, my loan consultant is XXXX XXXX XXXX ( XXXX ID XXXX ) at Wells Fargo Home Mortgage, XXXX XXXX XXXX XXXX XXXX, IA XXXX
I received a letter from AMEX regarding my XXXX AMEX card. It informed me that my interest rate had been increased to 27.24 % due to a penalty. Upon calling them I was told my last months payment was received on XXXX/XXXX/15, 3 days late. I got a copy of my cancelled check showing, on the back, that it was deposited into the AMEX bank account on XXXX/XXXX/15. I had to spend several minutes on the phone trying to convince them that they were in error. 
They finally said they would return the rate back down and remove the late fee of {$38.00}. I could not however, get verification of this nor was there an avenue for me to send a copy of the cancelled check. 
Im complaining on this forum because of their lack of proper accounting and, in my opinion, attempting to make money by lying to people regarding the timeliness of their credit card payments.
I received an application from CITI for a XXXX Credit Card. On XXXX/XXXX/15, I called to inquire information about it. My main concern which I reiterated was that I did n't want to lose my points that I had accrued. The gentlemen I talked with initially said I would, but then when I said I had XXXX CITI cards which were linked together earning points, he then put me on hold and said he needed to talk with someone about this. He came back to the phone and said, no I would not lose my points and he would open up the new XXXX Card. I asked him again, are you sure. He said yes, that I would n't lose my points. I then got his name & where he was located, just in case there was a problem. For several months the points were on my statement, so I never gave it any thought there was a problem. Then I checked my statement on line & the majority of the points were gone. I called CITI XXXX XXXX/XXXX/15 XXXX & talked with someone who stayed on the line while I talked with the Department who handled the Thank You Points. She had the other operator fill out a dispute form & said, that it was what had to be done, but assured me that I would get my points back. I received a letter date XXXX/XXXX/15 denying my reinstatement of the points. 
XXXX/XXXX/15 ( XXXX call ) I asked the representative to please pull the voice recording to verify what I was saying was true. She said there was nothing more she could do. 
This was blatantly fraud on the gentlemen 's part to initiate this credit card when I emphasize that I did not want to lose what I had been saving up for years with my points. My points were denied.
XXXX XXXX XXXX has a collection on my credit account. I have sent 3 letters requesting validation of this debt and I receive letters back stating this debt is mine and validated however I still have not received any documentation verifying this debt belongs to me and I have no knowledge of this debt. Need assistance in this matter.

XXXX XXXX XXXX.

Account Details Original Creditor : XXXX University Account # : XXXX Balance : {$0.00} Open Date : XX/XX/2013
I am elderly vet and XXXX XXXX XXXX. I am confined to a XXXX. Debt Recovery Solutions ( DRS ) took advantage of my situation. DRS contacted me and told me and my XXXX and told us that I had to pay a XXXX bill. I told them it was about 15 years old. They sent me a letter that said they had purchased an account from XXXX. They didn't let me know that it was WAY beyond the statute of limitations. The last activity on this was in XX/XX/XXXX I believe. I have learned that it should not even be on my credit report. They have reported it as opening in XX/XX/XXXX but date of last activity XX/XX/XXXX. They also just started reporting this account in XX/XX/XXXX right when they got a trigger notification that I was looking to buy a home. When I disputed this account verbally ( by telling them it was 15 years old ) they told me " too bad. You have to pay it to get it off your credit ''. I felt I had no other choice. DRS also never allowed me to validate the debt before reporting it which I have learned is a violation of the FDCPA.
I contacted Equifax online to set up 90 day fraud alert. They asked for both my current and former addresses. When I called XXXX today to make sure it's in place, they told me that they used my former address as mailing address. I called Equifax to correct this error and was unable to get through their automated calling system to get it done. The new owners of my former address travel extensively and don't live there full time (their XXXX home). My fear is that I won't be able to get the follow-up letters on the fraud alert.
I sent a previous complaint XXXX ; this is in follow up. In summary Carrington Mortgage took over my loan from XXXX XXXX  in XX/XX/XXXX per the initial letter. I have been making payments to them monthly since XX/XX/XXXX. They sent me an intent to foreclosure letter. My mortgage payment is {$1100.00} at 11.2 % interest rate. I was in touch with them and completed loan modification papers. ( My payments are automatically sent from my account ). The XX/XX/XXXX payment was sent on XX/XX/XXXX and it was returned on XX/XX/XXXX. I received a letter on XX/XX/XXXX stating that they approved me a loan modification, but did not state what the new payment would be, and that they wanted me to make payments of {$1400.00} until the final loan modification documents were confirmed ; starting XX/XX/XXXX. ( The letter said my current loan and agreement were still in place ). If that is the case, then why ask me to pay more than my current mortgage. If I was struggling to pay {$1100.00}, then why would they want me to pay {$1400.00} instead. It makes no sense to me. Any why are they not stating up front what the new loan modification payment would be. I donot want to accept any new arrangement without knowing upfront what the new payments would be. That just does not sound like good business. I told you at the beginning I felt they were deliberately trying to take my home ; this behavior from them seems to be confirming that. They decided to take my mortgage from XXXX XXXX, my question is why if they are not going to help. I did consult legal on XX/XX/XXXX and was advised to continue to make the payments and sign the paperwork from the housing counselor ( which I did ). I received a letter dated XX/XX/XXXX stating that as of XX/XX/XXXX my mortgage was transferred to XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX  XXXX, XXXX, Texas XXXX ) and that payments should be sent there. However, as of today, XX/XX/XXXX, I have received no official paperwork or letter of introduction from this new servicing company. FYI - the automatic payment of {$1100.00} sent to Carrington Mortgage on XX/XX/XXXX was returned to my account on XX/XX/XXXX. This is an update the housing counselor is following this case.
I received a copy of my credit report and found the following item to be error. Here as follows are item in error : The following inquiry needs to be removed immediately : Creditor Name : XXXX Card Date- XX/XX/2017 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to my address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

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In XXXX, I purchased from XXXX Mortgage my primary residence in XXXX XXXX Maryland for {$120000.00}. My mortgage was automatically transferred to XXXX Home Loans. In spring XXXX, I refinanced my mortgage with XXXX, taking {$80000.00} cash out to invest in a company called XXXX XXXX XXXX. As an investor, XXXX XXXX XXXX made the mortgage payments as a partnered investment. Therefore, I invested in a second home. The mortgage payments on my investment home, and primary residence, including the mortgage payments on the {$80000.00} refinanced loan amount, continued to be paid. In XXXX, the Maryland State 's Attorney ordered XXXX XXXX XXXX to seize and desist because it was found to be a ponzie scheme. Due to my inability to afford XXXX mortgages after the XXXX XXXX XXXX 's scheme failure, I defaulted on the investment property. But I continued payments at my primary home as the mortgage payment was manageable. 
Throughout the life time of my mortgage, it was transferred to several different lenders. XXXX XXXX Mortgage, XXXX, XXXX XXXX Mortgage, and now Chase Mortgage I began a loan modification with Chase Mortgage, and was lead to believe that I had to take what Chase Mortgage offered, or risk losing my primary residence. 
What concerns me most is the amount that I am now told that I owe on a home that I purchased in XXXX. It far exceeds what I expect to owe after having been in my home for over 20 years. I am no closer to owning my home now, then when I purchased it in XXXX. I feel that I am a victim of predatory lending. I am requesting the CFPB to assist with my concerns. My mortgage increased from {$120000.00} to over {$330000.00} and I only made XXXX refinance loan for {$80000.00} during the term of my mortgage. I must admit that I am not very savvy with all of the mortgage jargon, and I believe that I have been taken advantage of by the mortgage companies. As XXXX era Veteran and federal government retiree, I am living on a fixed income and would like your assistance. It is my hope, that as a consumer, you can help.