WillisBack/dataset-financial-user-claim huggingface dataset:
My payment for my Amazon Store Card is due today, X/XX/2017. I previously had scheduled a payment to come out today, but logged into my Account this morning to update the payment amount. For some reason, Synchrony Bank has locked me out of this payment and I can not edit it. If the system says I have until XXXX to schedule a payment and for it to count for the same time, why did they process my payment before that time and not allowing me to edit it? This is against my cardholder agreement as I should be able to edit payments up until that time. Customer Service Reps are of no help and I was left on hold for over 20 minutes waiting for a Supervisor. Poor Customer Service all around!
We own an older home that is fairly small for a family of XXXX. We started working with a mortgage brokerage, Network Funding, XX/XX/2016 to apply for a XXXX loan. We went back and forth a bit, truly starting the process XX/XX/2016. The broker we were working with would ask for information and documents with no explanation as to what was going on. When asking when we were closing, not date or time frame was ever given - only a response that we were waiting on more items. There was a lot of confusion between the broker and our contractor on the documents that were needed, resulting in long delays in the documentation that needed to be completed to continue to the next step in the mortgage process. The same type of lack of communication was occurring with the broker and us. On XX/XX/XXXX, I spent a solid hour discussing details with the mortgage broker to clarify our background information. He stated we would need to sign letters of explanation. After discussing all of this with him, he sent us the letters of explanation with absolutely none of the details accurate ( I basically had to re-write the letters of explanation - he also sent us the same letter of explanation again later in the process, the one that he originally sent without my corrections ). The HUD consultant completed his report on XX/XX/2016. On XX/XX/XXXX we were given the clear to close on Monday, XX/XX/XXXX at XXXX. We received a call from the notary on Monday afternoon to confirm closing. Monday evening, we received a call from the broker stating that we were not able to close because he did n't have the tax information needed to close. So closing was rescheduled for Tuesday, XX/XX/XXXX, XXXX. At XXXX, the broker calls us and tells us that we need {$16000.00} to close because of the HUD consultant 's report. The {$16000.00} dollars would have put us at XXXX % of our appraised value for the mortgage. Given the complete lack of communication and the frustration that we had with this broker, we had some heated conversations. I sent an email in the morning of XX/XX/XXXX stating that I did not want any vague XXXX answers to what was needed - I wanted an itemized list of anything outstanding and a solid date on when closing would be scheduled. He stated ( in email ) that he would take this latest outburst in stride but that he would not tolerate another one. The complete lack of customer service is appalling. Not only do we feel that this company and this broker are taking part in predatory lending, but I also feel that they have absolutely no customer service skills at all. We made initial contact with this company in XX/XX/XXXX. It is now XX/XX/XXXX and we still have no date for closing.
Navient will not remove my cosigner despite paying the loan on time for four years, making $ XXXX/salary, having a good credit rating, providing my XXXX diploma as all required through their website. I have already paid {$80000.00} in interest. On top of this my interest rates are higher than my credit cards and they will not lower them. Some are at 10 % on loan amounts {$28000.00}. They wo n't consolidate, lower interest rates or provide any other sufficient ways to repay this loan without accumulating massive amounts of compound interest. The school I graduated from is not XXXX and has closed XXXX campuses XXXX XXXX XXXX XXXX XXXX. This is fraud/swindle and should be illegal.
Had cell service the service however didn't work in the area I lived. My complaints caused the phone company to suggest updating my cell which I did and didn't improve my service so with multiple complaints of dropped calls and inability to make calls XXXX released me from contractual obligation the failed upgrade put me in.I wasn't under contract prior to upgrade and was month to month until the update they recommended Since I was released and needing service I found a new carrier. It was when I had already opened new service that I called XXXX to see if I was expected to return the old phone and the rep on the phone didn't know about my account and told me I would be charged? I purchased a new phone and service and XXXX expected me to honor the contract I was told I was released from?? I was a customer since the mid 1980 's  and am disappointed!
On my credit report it states that I have two deliquient accounts with XXXX witch was sent to XXXX XXXX XXXX XXXX with a balance of {$2300.00} on one on XX/XX/XXXX and the second one for {$260.00} on XX/XX/XXXX that do not belong to me and this is the first I have known of it and I filed a dispute with the credit bureau. 

Also there is two accounts that are also in collections from XXXX XXXX XXXX one for {$3300.00} on XX/XX/XXXX and the other one is for {$250.00} on XX/XX/XXXX these accounts are also not mine I have never bailed anyone out of jail and I filed a dispute with the credit bureau on these on XX/XX/XXXX. 

A bank account or credit card at XXXX XXXX XXXX XXXX was opened in my name with a balance of {$600.00} as well on XX/XX/XXXX that was not me I have filed a dispute with the credit bureau on this as well on XX/XX/XXXX
Citibank closed my credit card of 5 years without any warning or reason. I have never had a late payment on the card and ensured it was properly managed. This adversely affected my credit score since it was the only credit card I had and wiped out my entire credit history. I am trying to recover on the shock on my credit score. 
On a separate note, I got a mail that they'll be closing my checking and savings accounts but nothing on my credit card, for no reason! However, while inquiring from one of the branches, I was told it could be because I have family in XXXX which is a high-risk country. I was also told my bank contract has a clause that the company can close my accounts without any credible reason. However, discrimination should not be allowed on any level. This is a big discrimination, as I have this account since my student days and when I got a full time job. On no occasion, did they give me a credible reason why they would closed my checking/savings accounts and did not have the courtesy to warn me before closing my credit card.
US Bank has charged me overdraft fees when I was assured that they could not occur. I deposited money into my account before it was negative and it showed as deposit accepted before the charges came out of my account. However, I was charged an overdraft fee ( for the third time ) after I had called and told them to stop allowing it to charge me overdrafts and they assured me it would not. They have also charged me overdraft fees in the past when I had money in my savings account. It was suppose to connect to the account and transfer over so it did n't cause an overdraft. They instead charged me a ton of overdraft fees and then when I called waived them but used it toward my curtosey fees and now even though they should have never charged my account for overdrafts they once again charged it. I called the next day to find out why and they said the money was not in there in time. That is not true but despite if it was or was n't they stated twice and now three times that the overdraft protection was on and they would not charge me but wo n't refund me my overdraft fee. They are literally scammers when it comes to that. I have called there and they will assure me of certain things and then a month later I 'm hit with a fee or something does n't go through or they take my money and I have to wait 30 days for it. I know that my deposit was approved before the withdraw occurred and I was told it would not process if it had n't been because I had overdraft protection. They use to have a line of credit but they did away with it. HELP me get my overdraft fee corrected and have them do better business. I have been a loyal customer for over 11 years.
The initial charge of {$99.00} was on XX/XX/XXXX. CITI took out this amount after I lodged dispute, and sneaked it back in on XX/XX/XXXX without notifying us. CITI told me when I complained that it is not over, it is still in pending, therefore, I sent CITI more document to prove my returning of all XXXX purchase. 

Citi no longer has a three party talk in place for a very bad reason. CITI finally said that they had to pay XXXX. When I called XXXX, not only she assured me that XXXX had not received {$99.00} from CITI, but also my XXXX account supported her statement. 

I have no doubt that CITI kept this money, considering CITI has never denied my accusation and there were few indications before as to how this would turn out. 

Most of all, CITI abolished a three party talk in resolution process.
Wells Fargo has repeatly taken money out of my account for items that I have not done, such as cash advance fees, and interest charges.
My loan was modified in 2015. Original loan was {$60000.00} I made several payments bringing it down to under {$58000.00}. Then I ran into problems paying. After a year and a half it was modified. Rolling the interest into loan making it {$87000.00} my new loan basic does not have interest but I am paying down the interest rolled over. My servicer refuses to send me anything reflecting that. After requesting they said they wont.
Upon searching whether this company is licensed to collect a debt in Louisiana and they are not. They are listing XXXX collections on my credit report
After being on phone with Experian, verifying an account they said ( I do not have ) but do!! Membership ID # XXXX and my account opens a window with my name but they said you have account but NO INFO!!? Insane!! at XXXX years old and an XXXX holder for 20 years with Platinum status, with XXXX other major credit cards, Experian says I have NO REPORT!! Then says there 's a freeze on account I 'm not aware of!!?? This insane Company holds me hostage! with False reports and saying I have No account but that its FROZEN!?? I want legal damages and criminal report filed against EXPERIAN! for Hostage on Financial info it says it does n't have and I can not move forward in my Mortgage process. CORRUPTION!!!
I have been paying XXXX for two years on a student loan debt that is owned by Navient. XXXX has been miscalculating my payments and not applying my payments correctly to the alleged balance which is a flagrant violation of the Fair Debt Collections Practices Act. XXXX has been adding interest to the balance which is also a violation of the Fair Debt Collections Practices Act. 

I would be willing to settle the student loan debt for {$5000.00}. Navient had offered a settlement agreement of about {$10000.00} more than 6 months ago. I have been making monthly payments throughout this time to XXXX, including after Navient offered that settlement agreement. I would be willing to settle the debt for {$5000.00} as I have already paid Navient XXXX of dollars over the past two years. 
During the past 4 years I have filed multiple written complaints and have copies of, against Navient and their debt collectors for flagrant violations of the Fair Debt Collections Practices Act. 

I would be willing to settle the debt for {$5000.00}. I have been making payments to XXXX for two years each month even while experiencing tremendous financial difficulties. I would need the settlement confirmation in writing from Navient. In addition, before FAMS I also paid another debt collector that Navient had hired to collect on the debt, XXXX of dollars. The only reason Navient switched from the old debt collector to XXXX was because the old debt collector flagrantly violated the Fair Debt Collections Practices Act, which is something that FAMS has also done. I would be willing to settle the debt for {$5000.00}.
I have auto loan with Santander consumer, USA. I got in a hardship situation, I lost my father, lost my job. I kept in contact with Santander and let them know my situation and they understood. I called them and they called me as well. On XXXX XXXX 2016 I talked to XXXX in the president department of Santander. He told me that If I made payment {$1000.00} that the day and then 10 days later paid {$350.00} that I would be back on track and then just make my normal monthly payments. Later, I found that they had charge off my account and they will not be reporting my payments. I called them again and talked to XXXX and ask him for supervisor. XXXX said let me know try to help and if I do n't resolved the issue then I will give you to my supervisor. I told the situation and he went to talk to XXXX and came back and said their was nothing that they can do or change the charge off your credit report. The problem I have is it was not charge off when I was talking to XXXX but now it is they put XXXX XXXX on my credit report. I had made agreement with them and I stuck to my agreement and did what we agreed to. I do n't understand how they can charge off my account with me keeping my car. I need to know what my rights and what I can do about this situation. I have recently went through the reviews on this company and see that they do this to a lot of people and also not give them their titles when the vehicle is paid off. I have had problems with they trying to charge me last year repossession fee when they never repossed my vehicle. I want to filed a complaint on Santander Consumer, USA
In early XX/XX/XXXX we received a check from Wells Fargo Bank for the amount of {$12.00}. We called to try to get additional information about the account that this was related to, and they were unable to give an adequate explanation. They provided us with a phone number to call XXXX ( aka XXXX ) and they were also unable to provide additional information. They only know that it involved an account that started in XXXX, and that XXXX/XXXX  had placed charges on our account and that an audit showed that XXXX felt they owed us a refund. We indicated that we would turn this matter over to that state attorney general of Arkansas because we felt we were not in a position to get any further information from WF  or XXXX. 
We next received a letter dated mid XX/XX/2018, informing us that Wells Fargo was processing a check for {$200.00} as a customer appreciation award. 
Next we received a letter from Wells Fargo offering us mediation for our concerns dated late XX/XX/2018. 
Next we received a check from WF for the above mentioned {$200.00}. Our concern is that we are uneasy endorsing anything from WF or their partner companies, because it is unclear what we are agreeing to if we accept these checks. Have you any suggestions as to what we should do?
On XX/XX/2018 at XXXX XXXX, I contacted XXXX XXXX XXXX , XXXX and spoke with XXXX XXXX regarding a judgement letter I received regarding a Citibank credit card they purchased. A judgement was entered in the amount of {$3300.00}. Enclosed in the letter, they advised they were inquiring about assests and ability to satisfy judgement. Moreover, they included a financial disclosure form to complete and return. In the letter, they stated if we are unable to reach a voluntary resolution, they may seek to enforce the judgement. 

I spoke with Mr. XXXX and attempted to negotiate the balance. He asked why I had a financial disclosure form. I referenced the letter I received and explained why I was contacting them. I received a VA XXXX check, which is exempt from being reported as per their disclosure letter. I did advise him of that ; I was trying to be forthright and honest with our situation. On repeated times, he kept asking how much the VA payment was. I referred back to their letter and advised I did not need to disclose that information. 

I next requested to speak with someone to attempt to continue to negotiate the balance. I was provided XXXX XXXX to further discuss the situation. He stated the offer of {$2700.00} was the best they could offer to settle. I further advised that it wasn't possible. I explained in detail my financial situation and that I owed the IRS back taxes as well. 

When I mentioned the letter, he stated they already filed the lien against my house. He further stated they will get paid. And, if and when I sell my house, they will get paid before any sale is completed. I asked when the lien was filed, as I've not received any notification. I then referenced the letter, stating that they could enforce judgement, but has not been done as of yet. 

He balked, took a break, then apologized, stating he mixed up accounts. I advised him that I knew my consumer rights and he could not threaten me with liens as a tactic. He made me nervous ; my voice and emotions went up. I advised him that I know the call was recorded, I was filing a complaint, and the call better not disappear. I asked to be transferred to someone else. 

I was transfered to XXXX XXXX. I explained the situation with both employees. He said sorry, there's nothing else he can offer. At that time, I disconnected the call.
Our original loan was with XXXX XXXX. We purchased the home shortly after hurricane XXXX. We were told that our note would {$1200.00} or so, but when we received out statement the note was over {$1700.00}. Shortly after that we filed for our first a loan modification. In XXXX, the co-owner got ill and had to be out of work, loss of income. My wife soon became ill as well. In XXXX, the co-owner was placed on XXXX by her doctor but did not receive any funds for the first 6-9 months. All expenses were on me. After that my wife became ill. All this time we were filing loan modifications and each time we filed the paper work XXXX XXXX found some other reason not to process it. The co-owner was diagnosed with XXXX. In XXXX, my wife began to have more health issues that caused her to miss work, most of the time without a paycheck. So to try and help we filed bankruptcy in XXXX. We still had trouble making the note, this time because more than half of my salary was going to the bankruptcy. In XXXX, my wife filed for XXXX, she received a few checks here and there, when leave was donated to her but she had insurance that had to be paid first. Since we no longer had that income it was difficult to make the payments. Once the areas was paid XXXX XXXX sold the loan to Rushmore Loan Management. The co-owners XXXX has progressed and she was hospitalized for XXXX. Our bankruptcy was supposed to be finished in XXXX. It is now being discharged and Rushmore Loan Management is attempting to foreclose on the property. Now that the bankruptcy is not coming out of my check, I can now afford to make my payments. 
Due to these health issues it is a hardship to move. We need help.
BMW claims I have or had an account that I do not recognize. I further state under penalty of perjury, that I do not owe BMW Financial any money. I have already completed and submitted an Affidavit and Police Report. The purchase contract sent to me by BMW shows not my signature, nor the correct address which should be obvious that there is something very wrong.
I financed my auto loan through Toyota Motor Credit Corporation of XXXX 2015 and was later informed that minorities ( XXXX XXXX, XXXX and XXXX XXXX ) paid higher interest rates then those of XXXX consumers. Which upsettingly has been admitted and confirmed by Toyota Motor Credit Corporation.
Equifax misused of credit file. Disputing accounts that I did not request. Making faults statements on my credit file. 
Tried to communicate with the supervisor XXXX and The CEO XXXX. No response from either one of them regarding the misused of my credit file. 
XXXX XXXX XXXX card Equifax had went behind my back to dispute and Good Credit on file that had been PAID OFF years ago. XXXX XXXX XXXX card. Last reported from creditor XX/XX/XXXX Pays As Agreed. The account been CLOSED as of XX/XX/XXXX and last payment to the creditor XX/XX/XXXX. Credit in good standing. I do not know why Equifax decided to dispute the account behind my back on XX/XX/XXXX and took out PAID. I had been communicating with a dispute specialists by email. XXXX XXXX. She did not remove the dispute remark and put PAID back on the account. Instead she put another dispute on the account XX/XX/XXXX left out PAID. Then on XX/XX/XXXX the remark Went back to Account closed at consumer request and added Consumer dispute after resolution. and put Transfer/Sold and left out PAID. Because of the disputes that I did not request. My credit is damage because of it. 
XXXX XXXX The last reported date from creditor was on XX/XX/XXXX over 2 years ago. The creditor had sold the debt to a debt buyer who had lost authority to report anything to the account. 
Equifax had went behind my back to dispute XXXX XXXX just to modify the account on XX/XX/XXXX. and again on XX/XX/XXXX. I had file a dispute on the account that started XX/XX/XXXX regarding unauthrized dispute on XX/XX/XXXX. .Tried to communicate with Equifax XXXX The account again was in dispute on XX/XX/XXXX and again on XX/XX/XXXX to prolong the XX/XX/XXXX dispute that I request regarding the unauthrized dispute on XX/XX/XXXX. My credit is damage. 
. 
XXXX XXXX XXXX. 
I had tried and tried to dispute XXXX for braking into my credit file when a security freeze been attached to file as of XX/XX/XXXX. Every dispute been ignored. Equifax doesn't care if the collection account is in the wrong spot in the file and wrong information. 
I had tried again to file a dispute that was enter on XX/XX/XXXX and I believe it ended XX/XX/XXXX. There was a dispute on the account as of XX/XX/XXXX that I did not requested. Tried communicate with Equifax again about the account. Another dispute was enter on XX/XX/XXXX and on XX/XX/XXXX It stopped after that. 
Very unprofessional employees at Equifax.
Hello, I have a mortgage with Wells Fargo. Recently, I learned that my condominium association provides full " walls in '' insurance on my condominium unit. I cancelled a home owners insurance policy for my property with XXXX XXXX and soon after I received notification from Wells Fargo that I needed to submit proof of coverage as part of my mortgage requirements. Over the last few months, I submitted this proof, provided from my condominium association 's insurer three times through Wells Fargo 's online submission website and mailed in the same proof two times. I also called Wells Fargo on three separate occasions to confirm they received this information. After continuing to receive letters from Wells Fargo saying that I lacked coverage, this week I received a letter informing me that Wells Fargo had purchased an insurance policy for me in the amount of {$60.00} to cover my condominium. 
I completely understand this is a menial amount of money, but after reading about Wells Fargo 's settlement with the CFPB regarding unauthorized accounts, I ca n't help but feel Wells Fargo is probably engaged in other dubious practices throughout their organization. 
Thanks, XXXX XXXX