WillisBack/dataset-financial-user-claim huggingface dataset:
I have had many problems with XXXX XXXX XXXX, formerly XXXX XXXX XXXX. Usually in regards to customer service and contacting the company for help in any way being unreasonably difficult.

COMPLAINT # 1 : Some time last year, XX/XX/XXXX, I signed on to my online account to make a payment to see that I didn't know anything for the month which I found strange because I didn't remember paying, so I decided to keep checking back on the site periodically in case it was a mistake. The following month I received a letter from XXXX telling me that my one month loan deferment had ended and that my payments going forward would be raised slightly to compensate for the month missed during deferment. I never applied for a deferment. I submitted no paperwork for a deferment. I never made a call to XXXX  asking for a deferment so there is no legal reason for them to have applied one to my account.

COMPLAINT # 2 : Several months ago I signed onto the XXXX  site to make a payment but saw that I didn't owe anything for that month, which I found strange because this had already happened to me before. The following month I logged on to the XXXX  site to make a payment and found that I owed for two months. Obviously frustrated, I paid for two months at once to avoid getting late fees which put a strain on me financially for a little while as I had not planned to have to pay double after the missing a month.

I tried to contact XXXX  about both of the complaints described above a few months later via a customer service request and never received a response. I don't have any exact dates but this took place over the course of the last year - late XX/XX/XXXXto early XX/XX/XXXX.

COMPLAINT # 3 : Today, XX/XX/XXXX, I tried to call XXXX  to make a payment after being unable to log in to my online account for the last two days ( every time I tried I saw a message that said " that service was temporarily unavailable. ) I first tried accessing my account over the phone with my SSN, which they said was not connected to any account in their system. This is obviously not true as I've been making payments on my loans since XX/XX/XXXX I then tried accessing my account over the phone with my account number. I would wait to be prompted, enter my account number, the machine would say " Thank you '' and then hang up. This happened three times in a row and I was never able to make it through to a customer service rep.

I need to make payments but my only method at this point is mailing a check.
hippa and cra violation of my rights XXXX XXXX XXXX XXXX not mine sent police report no knowledge of account police report was sent to XXXX and XXXX
My score on Equifax is totally wrong!! It says I have late payments. I always pay my bills on time. Can you please help me get this corrected???? 

Thank You
A man has been calling my sister for some time regarding efforts to collect a debt that he claims my son is responsible for. This man identified himself as XXXX XXXX. His number is XXXX. My sister contacted me and was very upset feeling as if he threatened her. He used extreme profanity including the XXXX word, along with calling her all kinds of obscene names. I called him today, XXXX @ XXXX and he was so volatile and nasty that it can not be explained. He called my and my son XXXX said my son is in XXXX because his mommy did n't take care of him, he was placed here by XXXX to deal with people like us. He then said word on the street is you have a good job, you work for the state, so just pay it. Give me your debit card number now. I asked for paperwork and he refused. He finally did tell me that this was from something that my son signed for on XXXX. He did say his company was Integrated Service out of XXXX XXXX, NY. He said is boss was XXXX XXXX but would n't provide me a number directly to him. I did tape his call half way through as I felt very threatened and slandered. He told me he was n't harassing me because he had n't physically threatened me. When I told him I was going to speak with my lawyer and law enforcement first he then said he was going to make America great again and my flock would n't be part of it. This man would not allow me to ask questions or say anything, he was just verbally abusive and threatening. When I XXXX this number, many comments were of this same nature - threatening and horrific attacks against people. I am a professional woman who deals with courts and clients. I have never been treated this way before. I can not believe that this man is allowed to call and say such horrible personal things about me or my family. He even asked if I had gotten a good XXXX present from my son. My son is an adult who is currently XXXX that he committed. I am not responsible for his actions. This man basically told me that I am a rotten mother because of this. He called us losers and vile names with extreme profanity.
I applied for the XXXX XXXX XXXX card and feel as though I received an unfair and misleading bait-and-switch offer. Apparently there are two credit card options -- which have very different terms and benefits -- the XXXX Signature has all of the benefits that are emphasized in the advertising, and the Platinum Plus XXXX, which has many many fewer benefits, including 1/6 of the bonus miles, no free checked baggage, and a significantly reduced companion ticket benefit. While it mentions this possibility on the application website, it was not clear to me during the application process that I had actually received the lower-tiered version. ( Unfortunately, I do n't have a screenshot of this process, however, I do not recall there being any verbiage indicating that I had not been approved for the XXXX Signature -- it must have just said I was approved for the Platinum Plus, which at the time I did n't realize was  different. ) It was also not clear that there were such different benefits between the two options. Furthermore, I was not given the option to state whether I was in fact interested in this lower-option ( which I was n't ) : once I applied and was approved for the lower version, I did not have the option to decline. So, essentially, I applied thinking I was going to get one card, was apparently not approved for it, and was automatically given a different card which I would never have applied for in the first place. It is also unclear to me why I was n't approved for the better option. I have a pretty good credit score ( XXXX ), and have other lines of credit that are in good standing. I tried calling Bank of America, and they were not able to provide me with answers. They only told me that I could reapply, but that I would n't get the additional bonus miles. I declined, and closed my account. I 'm sure Bank of America has covered its behind by putting all of this in the legalese of fine print, but honestly I consider myself a fairly savvy customer and I was still duped. I do n't think that, even if it says so in the fine print, you should be able to apply for one credit card and end up with another, with very different terms and benefits. ( Especially given that even applying for a credit card can negatively impact one 's credit score. Now I 've been hurt for getting a credit card I never wanted in the first place. )
XXXX XXXX/Navient has called my work on more than one occasion, even after explicit written requests to not do so. The most recent infraction was XXXX/XXXX/15 at XXXX XXXX. The first explicit written request to never call my work was sent on XXXX/XXXX/15. The second explicit written request was sent on XXXX/XXXX/15. Two non-explicit requests to stop phone communication ( and communicate only in writing ) were sent between those dates on XXXX/XXXX/15 and XXXX/XXXX/15. XXXX of the XXXX letters were sent via certified US mail, so they are confirmed to have been received, as a signature was required. 

The school I attended was the University XXXX in XXXX, MA.
I sent out my mortgage check ( check # XXXX - {$1000.00} ) via mail paid to the order of Connecticut Housing Finance Authority on XX/XX/XXXX. The address on the envelope was incorrect and got sent to an address to a Towing Truck Company. On XX/XX/XXXX, the check was cashed and my funds were released to I presume the Towing Truck Company through a Bank of America in Illinois. My mortgage company did not receive any type of payment for that month. I also want to note that check XXXX was not endorsed and XXXX  released the funds anyways. On XX/XX/XXXX, my bank, XXXX, sent a letter to Bank of America about this transaction. I was told that BOA has 90-120 days to respond. Tomorrow would be 90 days so I called XXXX to get an update. They told me that they contacted BOA yesterday and BOA told them that they " lost '' the claim, so they faxed them it again. I contacted BOA today and I was on the phone with them for almost one hour, handed off to 4-5 different people, me telling the same story and getting the same response. I told them I have had enough and that I will be pursuing legal action. So just to make sure I contacted my mortgage company to inform them that I will be making a formal complaint against BOA and XXXX. I wanted to give my mortgage company a heads up just in case they get asked questions regarding my situation. I was put on hold and she told me that BOA reached out to them on XX/XX/XXXX in giving me a credit of the full said amount and that the cashiers department in my mortgage company is working on getting a credit applied towards my mortgage. I was told by my mortgage company that to give them a couple of weeks to check back to see if my account has been credited. Today, XX/XX/XXXX I contacted my mortgage company and they said that BOA will issue the refund towards my XXXX bank account. I called XXXX and they have not heard from BOA sinceXX/XX/XXXX. I told them what happened when I talked to my mortgage company and they will reach out to BOA today. I then called BOA and told them I was reporting them to the CFPB and to put that in their notes. I am appalled at the lack of competency in the 4-5 BOA customer service representatives to tell me that the issue was supposedly resolved, but there was nothing in their files, but clearly is not resolved. There is no reason why this is taking so long. I am disgusted by BOA and XXXX on how they are handling this claim. Both parties were incorrect and I question the training of the employees of both companies. I just want my money back that is owed to me so I can move on with my life. Attached is the letter from XXXX reaching out to BOA on XX/XX/XXXX. Thank you.
Please refer to case XXXX also. Yesterday, XXXX XXXX, 2017, I received a response from XXXX in regard to my response to them on their claim that they were unable to verify my current address. 

In my response to them ( attached as exhibit on above mentioned complaint ) I specifically requested that they DO NOT provide me with my annual free credit report, as I wished to request that at a later date, rather that they ONLY use the information to confirm my current address. In spite of this, they issued my report to me, now making it impossible to re-request my report at a later time for free. 

In addition, I requested a credit freeze on my account and was issued a credit freeze PIN, which was confirmed by them in a letter sent to me via USPS mail. I am STILL UNABLE TO CHANGE MY PIN either online or via telephone, and I AM STILL UNABLE TO ACTUALLY SPEAK TO ANYONE WHO CAN ASSIST as I CONTINUE TO BE HUNG UP ON BEFORE BEING CONNECTED TO A CUSTOMER SERVICE REP. As a result, I am currently COMPLETELY LOCKED OUT OF MY XXXX ACCOUNT and I do not know where else to turn for assistance!!!!
I went in  to US  Bank to deposit money in my account and the guy kept on about a credit card. He said let me send you some information. I said okay send information, next thing I know I had a credit card sent to me with a higher credit rate than what I had. I kept telling the teller I had a credit card with a lower rate than he was offering me. The account was opened  XXXX  /2016  and I shredded the card and have never used ever.
I am again filing a complaint against Guild Mortgage company. Guild has continued measures of harassment although they have been notified of the sale of our home. The process is currently in escow and I have been providing them with current updates in this regard with certified and notarized documentation. I have tried and tried even through the previous complaint in which they changed legal documentation as submitted to the Consumer Financial Protection Bureau once they were required to submit documentation stating that they were right in their decision making and reporting of false statements on my credit report in which they admitted to myself and I provided that documentation and they went ahead and changed the exact documents omitting the data of their choice. They also changed our account history based on their want in which the documentation then then mailed to my house has been actively changed by XXXX XXXX. XXXX XXXX also had a associate contact me in response to these measures telling me that the recorded conversations of all phone calls they have on file and when I asked to liten to the recordings as well the male individual stated that those are their recordings and I will not get access or ability to listen to these recordings. I also find it rather disturbing that they are permitted to change legal documentation in regards to mistakes that were brought to their attention in order to avoid any further action towards them in favor of a borrower. Interesting that they now sent a certified letter stating foreclosure when XXXX verbalized permitting hold payment during the payoff period and now they are stating they are going to take our home when it has already been sold with contract acceptance and proof of lending from a different mortgager. They have forged documentation in stating that they were never holding money without our knowledge. It was done numerous times over the last 18 months but them being able to falsify documentation in order to present prejudice behaviors against us, changing dates and information. I hope that an investigation will be done looking deeply into their account process especially because they are actively breaking the forth set mortgage lending laws.
Since XXXX  of this year my personal information has been stolen, and my card charged four times resulting in my accounts being closed and new cards being opened. This has hit my credit and negatively effected my score.

The company has done nothing to prevent this from reoccurring. I need help to make this stop.
This is in regards to XXXX XXXX XXXX  and they're XXXX card I was told that they needed a copy of my driver license or some form of government ID and Social Security card and they were kind of unclear about the other item was something that would be mailed to my residence so I went into a local bank and I gave them my driver license social security card a copy of my health insurance with XXXX XXXX that I've had for going on three years now and my XXXX cell phone bill thinking that that would be acceptable and then this morning I got a call kind of early on a Saturday morning at XXXX and rather than the guy telling me what he could except he just kept talking in terms of a setback and tell me what he could not accept and finally after
Name of Creditor : MOBILOANS LLC Address : XXXX : XXXX, LA XXXX Re : MOBILOANS LLC Amount : {$760.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
Barclays has been ridiculous lately. I have a 720 credit score and recently applied for their XXXX card. I am a longtime Barclay 's cardholder with flawless payment history. They rejected me a few months ago for " too many new accounts and inquiries ''. I waited a few months until my credit strengthened and applied again. With a stronger credit history than when I got my original card with them, THEY DENIED ME SOLELY ON THE BASIS THAT I HAD BEEN DENIED PREVIOUSLY, NOT TAKING INTO ACCOUNT AT ALL THAT I AM A PRISTINE CUSTOMER OR THAT I HAVE NO LATE PAYMENTS OR COLLECTIONS OR ANYTHING BAD ON MY CREDIT AS OF NOW. So I called their reconsideration line and spoke with XXXX, employee ID XXXX and his associate. They had clearly made up their mind that I was an awful credit risk due to my new accounts and inquires. He and his associate half heartedly offered to " reconsider '' my application but essentially gave me the feeling the would deny it anyway because I am this deadbeat who can not be trusted, so I declined. They wouldn't even move part of my existing line to create a new card without a full credit review ( which I feel they would have denied ) because of the dreadful risk that I am ( again, no late payments, or over the limit occurrences ). Further, I should note the only reason I am applying for the XXXX card in the first place is because they won't do a product change of my XXXX XXXX card to the XXXX card. I don't want to close the XXXX XXXX card because it has a long account history. That said, for both their XXXX and XXXX products, they told me I had to apply for new cards ... and then denied me for applying for new cards. I admit that I use credit, am constantly looking for lower interest rates and better rewards, so I open/close credit cards regularly. That said, I pay them. XXXX should have to take into account the fact that I'm a good customer when approving applications.
I bought another  XXXX  in  XXXX  anticipating the  XXXX  (  XXXX  fraud ) buyback announced for  XXXX   2017 , but delayed till  XXXX  17. I called  XXXX  and informed them of my inability to continue  XXXX  car payments and no problems were mentioned then. I sold the car back to  XXXX  in  XXXX   XXXX ,  2017 .
TransUnion has failed to remove, correct or produce proof of their reporting a public record that I have proven to to be reported wrong. Month after month, I receive the same statement that these stay on for 7-10 years or that it will not be investigated anymore. I 'M PROVING TO THEM THAT THEY HAVE IT WRONG, SO HOW CAN THEY KEEP IT ON MY CREDIT FILE??? I 've included my dispute with them below, as well as the actual page from my credit report to prove their ineptitude. 

`` county clerk XXXX '' # 1 You have the filing year incorrect - this was not filed in 2012 - send me the actual documentation that states that this was filed in 2012 - this is made available to me under section 609 # 2 You have the court listed as `` county clerk '' : the court is not named `` county clerk '' and you must have the actual name of the court for this to be accurate and correct and you do not # 3 You have the reference # listed as XXXX and this is not the actual reference # for this # 4 You have the original liability amount listed as " XXXX '' which is also not correct # 5 you have no plaintiff listed
I hired this company because they contacted me making promises that they could help me by filing info with federal agencies by filing complaints on my behalf but never did file anything for me and never did anything to assist me after receiving my money. They advertise they can save my house, get government to go after the lender and get me a modification. They did not do anything as advertised. I paid them upfront {$1500.00} + {$120.00} to use their notary service and after that I never got anything. I had to file for a short sale to stop the sale date on my property. Shortly after I contacted them after no responce to inform them that i had not received anything from them to verify what they have done and I was then sent some bogus information from them. At that point I was then informed that they would not be sending the information out but i would have to send the information and that they only would provide documents for me to send. I then requested that they cancel the contract and refund my money. I was then informed that they sent me a link to do so and they needed something in writing, so i drafted a letter and sent it to them and requested a refund but i have not received a response. This company is a scam and I would not recommend that anyone hires them to assist them with help to retain their mortgage. Please assist me with getting a refund from these XXXX and help me to put the lying scam XXXX in jail!!!!
Original Owner ( OO ) bought townhome in XXXX, naming XXXX as XXXX mortgagee. Loan was taken over by XXXX in XXXX. Owner of XXXX mortgage since XXXX XXXX = Bank of NY Mellon ( BANK ), Trustee under a XXXX XXXX XXXX. BANK first filed notice to foreclose on home ( on which no mortgage payments had been made since XXXX ) in XXXX XXXX. OO ( who also became delinquent on her association dues in XXXX XXXX ) vacated home in XXXX XXXX. BANK filed a second notice to foreclose in XXXX XXXX, but again it never completed its foreclosure on this zombie home, delaying the sale date 8 times into XXXX. Our Homeowners Association ( HOA ) has records of notifying the bank at least ten times that this home had been vacated, and later that OO had won personal bankruptcy protection in XXXX. XXXX begged BANK many times to winterize home, but it refused, since squatters had moved into home in XXXX XXXX. Because of BANK 's failure to act, HOA foreclosed on this home in XXXX XXXX and paid to have squatters evicted later that year. HOA then fixed up the home that had become literally a " bunny '' sty. In XXXX XXXX agents of BANK broke into the home that HOA then owned without any warning to HOA. Severe damage was done to locks and doors by BANK 's agents. HOA then leased this home in XXXX XXXX for 18 months. BANK finally decided to foreclose on HOA 's home in XXXX XXXX. BANK sent notice to only HOA 's lessees, but never to HOA, despite the fact that HOA had been clearly recorded as the home 's owner. Throughout XXXX BANK ( through its third XXXX ' attorney ) willfully and in utmost bad faith ignored multiple requests from HOA 's attorney to negotiate a settlement with HOA. Without advising HOA, BANK auctioned off this home online in Fall XXXX. Successful bidder was a Flipping Company ( FC ). FC refused to pay HOA all that the BANK had cost HOA. Attorney for HOA tried again to negotiate with attorney for BANK ; but BANK refused to acknowledge any responsibility, claiming that the FC should be responsible. HOA 's attorney asked to see purchase agreement between BANK and FC, but BANK refused. In XXXX of XXXX, HOA reached modest settlement with FC, and later in the quarter released its association lien on the home. FC now owns the home, but HOA never reached any agreement with BANK. Since the BANK first refused to foreclose on this home in XXXX, the total NET losses ( after deducting lease income and amounts recovered under settlement agreement with FC ) that have been incurred by the members of our tiny, XXXX, townhouse community, solely because of the negligence of the BANK = {$21000.00}. These are only the special damages ; they include no general damages ( pain & suffering of volunteer HOA directors... who devoted more than XXXX unpaid hours to this problem ), nor any punitive damages, for the egregious and willful negligence of the BANK since XXXX.