WillisBack/dataset-financial-user-claim huggingface dataset:
I received a bill today address to Me, except it had my boyfriends name added to the end of mine. The bill is my boyfriends bill. In the body of the letter is states the patient is my boyfriend, account number, service date and amount owed.     I called to ask why they are sending me a bill for his account, and advise them that they ca n't just add a name to someone else 's bill and say it now is this persons bill and this person is responsible because they say so. They kept asking me what his dob was. I would n't provide it.     First, it 's against the law for them to be discussing 'his ' account with me, it violates his privacy act, and HIPPA  XXXX      Second, if they sent me the bill and state that it 's mine, they can have my information and we will discuss it. I am not providing someone else information to them. They would n't discuss anything further and second time I called t he manager realeased the call for not providing 'his ' SSN.
I applied for XXXX separate credit cards with Sterling Financial ( Bank ). Kay, Jared and XXXX Jewelers. Each time I was approved for {$1500.00}. When they start reporting to my credit report, they only report as {$500.00} each. When I log into each separate website, for each store, it says my credit limit is {$1500.00} for each store. No where in the agreement online, or the application/approval process did it say they split the limits. I called customer service XXXX and was told basically " that 's just the way it is ''. This is shady business. Making customers think they are getting separate accounts when it really is only XXXX limit. On top of this, my credit report was pulled at least XXXX of the XXXX times I applied, causing my credit score to drop each time and also creating additional inquiries on my report. This is unfair and misleading to customers. If they only want to give me XXXX limit, then at the very least, they should only be pulling my credit XXXX time. AND, they should be putting this in a statement on the application and credit agreement. This is not the case. 
I want the {$4500.00} total for the XXXX cards as I was made to think I was getting.
Your prior menu was not pertinent to my specific complaint today, but repeated phone calls which I did not answer have occurred. 

Today, XXXX XXXX, 2017 at approximately XXXX CST I received a call from XXXX. A female gave her name ( I do n't remember but it will be in the attached recording ) and said " this is a monitored and recorded call about a personal business matter. '' She asked if she was speaking to XXXX XXXX. I said she was and I am also recording the call. She asked to verify my identity by asking for additional information. I asked her to provide the business name before I provided additional information. She said she needed the information first for a personal business matter. I advised her that by law I am entitled to the company name before providing personal information. ( I did not say to her that I am not an attorney but was speaking in a pro Se capacity when discussing laws. ) She said she would send me information and then I could call. That ended the first call. 

An Internet search did not provide the company name but did confirm that the number belongs to a landline in XXXX, MN. 

I called the number and a male said " this is XXXX and this is a monitored and recorded call. '' I told him I needed the company name before filing a regulatory complaint due to his colleague refusing to give me that information. He said " You have called XXXX XXXX XXXX. '' I thanked him and disconnected.
On XX/XX/XXXX I sent a debt validation to this company to dispute an account they stated I owned them. On XX/XX/XXXX I sent a dispute to the credit bureau regarding this account. On XX/XX/XXXX they replied verifying this account as verified. 

In between periods, this company violated the FCRA ... As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. They never reporting to the credit bureaus this account was in dispute. And tried to collect without sent the debt validation requested.
I would like written documentation indicating who should be named on my Homeowner 's Insurance Policy as the Mortgagee. The company keeps telling me it should be Lakeview Loan Servicing, but they have been unwilling to provide evidence or written documentation to back up that statement. In addition, I have gotten statements over the past year from both Lakeview Loan Servicing and XXXX, so I am not sure which, if either of these two companies should be named as the Mortgagee in my homeowners insurance policy. When I dealt with this company this past summer requesting the removal of my PMI, they told me that the reason it took you over 60 days to respond to my request was due to the fact that they were just the loan servicer and could n't make any decisions themselves, which makes me wonder whether they should be named as the Mortgagee on my home owners insurance policy.

Further, I requested this information on XX/XX/XXXX and was told it would be sent that day. I never received this documentation. I have now waited over a month and have received nothing. This needs to be provided asap as I have an insurance check that I need to have endorsed in order to pay for repairs that I have paid for out of pocket that were covered by my insurance policy.

I have basically perfect credit. I am years ahead on my loan payments and still this company treats me like I do n't matter and am requesting something ridiculous. I have a contractual obligation under my mortgage to name my mortgagee on my homeowner 's insurance policy as the mortgagee, and this company can not provide me the basic assurances or evidence that would substantiate that I have the correct company named in my insurance policy so that I can be certain I am complying with my contractual obligations.
I received XXXX letters claiming I medical debt from XXXX. I called XXXX and asked if my account was current. They claimed I owed no money and that they did not use Transworld Systems Inc as a debt collection agency. I called Transworld System Inc and they said for Hippa reasons they would not verify my debt until I gave them my birthdate and also wanted my social security number. I told them I would not discuss the debt further or give them any personal information until they could verify the debt. They refused citing hippa.
I have tried, since the beginning of my car loan, to have Wells Fargo Dealership take a monthly car payment out of my bank account. I filed a complaint with Consumer Financial Protection Bureau and Wells Fargo contacted me and put a payment behind my loan, but had various reasons I could not have a direct debit taken from my bank monthly. I also asked for a payment history to be sent to me monthly, showing payments, and principal status, but that did not happen. I do not receive loan payment books, not loan payment history. I asked for a refinance to lower the interest, but I was told I was not eligible. I asked for late payment fees to be decreased, but they continue to follow my loan, increasing as the loan continues. 
Please will you help me by : inquiring what my interest on this loan is, why it can not be lowered, why I can not have a monthly payment debit taken from my bank, why I can not have a payment history sent to me monthly showing my payments taken off the principal? Can you inquire what my late payments are adding up to? Will you help me get a lowered monthly payment that can be taken out of my bank account? 
I purchased my car in XXXX of 2013 and I have felt in the dark since I made my first car payment. I sent it to the address on my contract, and was later told by Wells Fargo Dealership that it went to a non-existent address. That started my late payment fees. 
I wrote a letter of hardship last year to Wells Fargo telling them that I was taking care of my XXXX year old mother, and having a difficult time financially. I need the car when I transport my mother to medical appointments or if she has an emergency. I requested their help with this loan by giving me full disclosure regarding my financial history with them, my options for refinance and lowering my interest, and/or lowered payments due to hardship. 
I recently sent the bank a check from my car insurance company for {$3000.00} to try and help me catch up with this loan. The check was made out to Wells Fargo Dealership and myself. I received the check for car repairs, but my family is helping me fix the car. When I sent the check, I asked for a payment history again. I asked for help with the loan. Wells Fargo Dealership has not responded to me. 
When I talked with representatives in the President 's office, I complained that the loan officers were rude on the telephone, being threatening, harassing, calling every day, and I requested them not to call me. I requested contact by e-mail but that was denied due to procedure. I have requested full disclosure and correspondence by snail mail, but that has also been denied to me. I feel frustrated, like I have been in a no/win situation since the beginning of this loan.
Back in the spring we experienced major delays when trying to close matured CD accounts with CIT Bank. We heard excuses from there were so many accounts closing that they were backlogged as well as our accounts were so large that multiple reviews were needed before closing and those areas were backlogged as well. In addition, one time a representative had linked XXXX CD 's that were maturing within a week so none of the CD 's were being processed until the final matured. Over the years, we have had over XXXX CD 's with this bank and things only started being problematic in the spring. Unbeknownst to us, they changed many things XX/XX/XXXX. We received no notification of these changes. I learned about them today when I called to set up XXXX CD 's that are maturing XX/XX/XXXX. Now, everything is done online, but I needed to redo my password and other activities to even get access to my accounts. And lo and behold, CIT Bank has deleted our previously linked external bank accounts for transfer of funds. CIT Bank has been transferring funds to this bank for years, even as last at XX/XX/2016. Now, it is non-existent and I have to start all over and go through testing, etc. That means my time and attention for problems that they have caused. At this point, I am not confident that this system will work as they say it will. It will be very easy for them to say that they did not get the message. Yes, now I have to send a message through their customer service message center to request that the account be closed on maturity and transferred to an external account. Of course I can not do that until my external account has been tested and approved. I truly do not like fighting for my money. I find it somewhat amazing that a bank can delete, eliminate, discard banking records/transactions/data for on-going customers. It seems that CIT is out for themselves and not there for their customers.
I continue receiving bills from XXXX XXXX XXXX on an account that I paid off and closed months ago. I do not understand why I keep receiving invoicesfor an account that was closed months ago. I made my final payment and requested my account closed but approximately a month or two ago, I started getting new bills indicating that I still owed a balance on the account. I called the corporate office and asked to have my concerns escalated to supervisor fora callback but no one hasreturned my call so far. Today, I received another statement showing that I owe {$320.00}. 

WHY DO IOWE THIS AMOUNT? THEY ARE SUPPOSEDLY CHARGING ME A MAiNTENANCE FEE ON AN ACCOUNT THAT I REQUESTED CLOSED MONTHS AGO WHEN I MADE MY FINAL PAYMENT? 

IN ESSENCE, TRYING TO RIP FOLKS OFF BY CHARGING A MONTHLY MAINTENANCE FEE FOR APPROXIMATELY XXXX. WHY ARE THEY MAINTAINING AN ACCOUNT WITHOUT MY PERMISSION I PAID ALL THAT I OWED THE COMPANY AND MUCH MORE THAN I BORROWED BASED ON THE HIGH-INTEREST RATE THAT THEY CHARGE AND NOW THEY WANT MORE MONEY. 

CLOSE THE ACCOUNT AS I REQUESTED WHEN I MADE MYFINAL PAYMENT AND STOP SENDING INCORRECT BILLS TO ME WITH NEW CHARGES.
My purse and car were stolen a few years back. As a result, my debit card was swiped across town at a gas station, an ATM, and then at an ATM that was associated with my bank. A fraudulent deposit was made into my account. I was totally unaware of the deposit, but reported all of my things stolen before I had any knowledge of the deposit. I reported my things stolen to the police. I communicated back with my bank to find out where my card had been swiped and how many times it was attempted. I reported my findings back to the police and requested that the ATM cameras be pulled so that I could press charges. This was an extremely long and drawn out process. They tried to have the cameras pull but the back hadn't fixed the ATM camera so it only caught the person 's chest and hand ( which clearly weren't mine ). As a result, the bank decided to close my account and reported me to XXXX  making it virtually impossible for me to get a bank account with anyone. I did my due diligence by keeping in contact with the bank, reporting what happen, and by involving the police. My account was still shut down and I have had an extremely negative experience because of something that wasn't my fault.
I signed up with Ameritech Financial to help with loan forgiveness. XX/XX/2017 the first payment of XXXX was drafted from my account. There has been XXXX drafted every month since then. 

I also signed up with student loan services that drafted XXXX every month since that time as well. 

I received a letter from the Federal Trade Commission stating that there was a lawsuit with Ameritech Financial and that I should cancel my account with them. I emailed Ameritech Financial on XX/XX/XXXX regarding the lawsuit and inquiring about cancelling my account. 

I will be calling my financial institution as well to put a hold on the withdrawals from Ameritech Financial as well as XXXX XXXX XXXX.
XXXX XXXX  had my mortage which they turned the account over to Fay Servicing with no notice this account was sold to another company. Fay Servicing has stated my home is being foreclosure. I have made payments and have receipts where the payment was made. i did miss one payment with XXXX where the payment was supposed to be deferred but instead was not put down as such. i made one payment which was a parital payment. I have a very limited income and it is very hard but i have sent payments via money order, money gram but they still are foreclosing on the house. 
they also stated p ayments were being put into a fund and did not count as a payment made on the account. i do not know what to do. they are being very adamant about taking the house unless i come up with entire balance owed no payments accepted. 
Thank you : XXXX XXXX
On XXXX XXXX, 2017 I closed an account at SunTrust Bank - XXXX XXXX XXXX branch ( # XXXX ) by having the funds wired to two separate entities. I was told the bank charged {$35.00} per wire, so the total amount wired was {$70.00} less than the balance. The banker wanted to directly debit the account for the wire fees rather than accept my cash payment for them. I subsequently received numerous dunning notices from the bank - initially for {$30.00} and then for {$30.00} and additional fees. I contacted the XXXX number and was told that the additional fees were in error - should not have been charged since I closed the account. The person ( an attorney ) on the XXXX number could not tell me what the {$30.00} was for, and instructed me to go to branch. I managed to take time off from work and I went to the branch where an officer told me that she would have to research the issue. Within a few hours, I emailed her copies of the wire receipts, told her that I considered the matter closed, that I did n't owe the bank any money as they had collected {$70.00} upon closing the account, and that I expected a written response to that effect. I followed up with her a week later since I had n't heard anything and then received an email from XXXX XXXX, Personal Banker III who said I needed to bring in {$30.00} because the BANK should have charged me {$50.00} per wire, not {$35.00}. So, the people who had all the control, and all the information made a mistake and are demanding that I make up for it. If I bought bananas at the grocery store that were mis-marked, I would pay the stated price ... Why am I forced to take all this time, effort, and energy to rectify their mistake? And do n't get me started on a {$35.00}, let alone a {$50.00} fee for wiring money to domestic banks!
This is a complaint from XXXX XXXX against Credit Collection Services for Credit Collection Services failure to provide requested information for the debt alleged. On XX/XX/XXXX, XXXX ( consumer ), received a demand letter from creditor, Credit Collection Services. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over 1 month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Our mortgage was transferred XX/XX/XXXX from XXXX XXXX to Freedom Mortgage. We still owed a payment to XXXX XXXX for XX/XX/XXXX, according to Freedom Mortgage, so we paid twice in XX/XX/XXXX. This brought us current as far as we knew. Everything was fine until XX/XX/XXXX, they are saying we are still a month behind and keep changing their story as to why. Everytime we speak to someone they have a different story as to why we still owe another months mortgage payment that we have already paid. We even made a principle only payment XX/XX/XXXX, that they then tried to apply to another mortgage payment without our authorization. Please help. This is getting out of control, and they keep telling us to talk to our former lender, and we have, they said we were current before we transferred. We have never been delinquent on our payments. It seems like they are trying to make us go into default.
I sent {$210.00} thru money gram for a puppy and then XXXX XXXX told me to go to address to pick up puppy and the home I went to the people had no clue what was going on. I called money gram and filed a complaint and they told me to file a police report which I did and I have called 5 times and they wont give me no more info I then filed a dispute with my bank and money gram is denying that it was fraud. I asked who the person was that picked up money and they wont give me no info.
On XXXX XXXX I placed an order with XXXX ( Order # XXXX XXXX for {$210.00}. 
Unfortunately, the item was received damaged and XXXX issued a return. They claim to initiated a refund on XX/XX/XXXX to my original source of payment, which was my debit card issued by Chase. 

On XXXX XXXX I decided to end my business with Chase for various reasons, I did n't like some interactions I had with them of recent, and I did n't feel comfortable with them handling my money. 
So since the refund was issued after the account was closed, Chase claims that they would not be able to locate the refund and issue a credit. XXXX claims that Chase would be able to do that. 

After making several phone calls to both companies, both reps and supervisors on both ends kept point fingers at who would be responsible for issuing me a check refund. I even had supervisors from both companies conference in two times and they could n't agree on how the refund will be issued.
Creditor XXXX. I never have XXXX as servicer, always have XXXX for several years. Never lived in XXXX, Florida. Never received any statement from XXXX just found through credit report that it 's for collection already. Hoping for your immediate follow up regarding this matter.
I was 2 days TWO DAYS late paying a charge of aprox {$150.00} on my Target Red Card. 

The Target company sent me a NEW card with NEW numbers and the payment I sent ( on time ) was returned and did not get credited to the new card number. When I saw this I called Target, got new number and sent payment via my bank account to pay the balance due. Target told me they would happily waive the aprox {$35.00} late fee at that time. To this date they have NOT waived the fee. They are adding a late fee each month and now threatening me with Debt collection for late fees one a XXXX balance account. Target originally was supposed to waive the first late fee when the new card number payment mix up happened. 

I have spoken to Target MANY times about this and I am done trying to deal with them. They are now having people call me and harass me through collection agencies. I 'm pretty sure it 's illegal ( or it should be ) to keep adding late fees on XXXX balances and trying to collect them. 

If it was my fault that the payment was late I would have paid it- Please contact them and clear this up for me. They owe ME money for time and stress and harassment. You are welcome to check my credit information for ALL my accounts that you will see are paid on time. Thank you. XXXX XXXX
Mr. Cooper mortgage ( formerly Nationstar Mortgage ) increased my mortgage bill for apparently no reason. I contacted them asking why they increased the bill. They said I had missed an escrow payment. However, I did not. I have made every single payment well in advance and for the exact amount indicated on the bill, every time.

They failed to remediate the situation and have evidently just stolen the amount from me ( in the form of increased monthly billing ).
I opened 2 secured Credit Cards with Capital One to start establishing a credit history. I used the cards for a few months then I stopped and was going to pay the balances off. The cards only had a {$200.00} limit. A couple months later I started receiving letters saying that I owed them money for some charges that were made on the account that sent me over the limit. I explained to them that I had n't used the cards in a while because it was no money on them then asked them how was it even possible to go over the {$200.00} credit limit when it 's a secured card. I looked into what was going on and found that it had been some fraudulent activity on both my accounts. I explained to them that I lived in a house with strangers where I was renting a room and it 's a strong possibility that one of them could be responsible. They did n't follow up with me, nor did they look into it. They kept harassing then eventually sent the information to the credit bureaus and its impacting my credit negatively. They reported that I owe over {$600.00} on each account. How is that possible with a secured limit of only {$200.00}?
For about 5 years at the least I have been receiving letters of demand from Pioneer credit recovery.First I almost got kicked out of my previous apartment because of this and something about bad checks written in Texas.My landlord & myself both faxed over my license with my social security number.To this day I am still receiving letters with case numbers.Once again. This has went on for YEARS..I have financial problems myself and this is very over whelming. I worked with children for 7 years so to have a XXXX case hanging over my head definitely left a bad taste in my ex bosses mouth