WillisBack/dataset-financial-user-claim huggingface dataset:
WESTERN UNION SCAM On XXXX XXXX, 2017 I sent three transactions of {$290.00} to my mother in XXXX Ms . I checked with her around XXXX : XXXX to see if she received the money and she told me there was nothing there for her to pick up, I then began to call Western Union customer service number printed on my receipt. I called so many times that someone actully came on the line, at that time I was told the money was picked up in XXXX Michagan. I live in Louisiana, my mother lives in XXXX Ms . I explained to the woman on the phone, that there was no way my mother could have picked up the money in Michagan. I was then informed that I had called back changed my number and authorized to have a security questioned added to the money grams because my mother had no identifycation. I was told by the lady that it would take 20days to investigate this situation. But received a call later that day telling me that my case was unrefundable becasue I was sending XXXX and not XXXX. I told the guy who called me from XXXX that their was no way that could have happened, then he asked me why I was sending this money the way I did I explained to him that me and my children all sent my mother XXXX each pay there own sending fee, so change was to be made. My mother is having a hard time and we each pitched in to help her out with her morage. I was then informed by the guy that, I should be more careful. I was looking over the receipt and I see that this same number is on my receipt as sender, I am thinking this is the guy I spoke to when sending the money. I really do n't know I just know that my mother never got the money, and we want answers since you can not call Western Union.
The only notice that I received of this debt or any attempt to collect this debt was through my credit monitoring service that indicated that I had a collections record. I researched with my bank and found that is amount was already paid to the original creditor before it was reported to my credit. This tactic is unfair- I could have provided proof that this debt was paid rather than having my credit ruined because of {$140.00} dollars.
Facts : 1. I had a Wells Fargo bank account, and it was closed it in XX/XX/XXXX. 
2. When I closed the account, I was affirmed that I did not own the bank anything and I was free to go. 
3. On XX/XX/XXXX I received a letter from a third party debt collection company. The company has my SSN, address, phone number and everything else. The company claimed that I own the bank about {$120.00}. 
4. When I called Wells Fargo on XX/XX/XXXX to double check everything, their banks transferred me from department A to department B, and then to department C. And department C tried to transfer me back to department B. And finally they told me I had to go to a local branch. 

My complaints : 1. I am wondering if it 's legal for Wells Fargo to share my private information with another company? 
2. Why did Wells Fargo wait for 2 years to notice me? How possible did they tell me free to go and close my account, and then found out I actually own them some fees and overdraft? 
3. I am not satisfied with their customer service of transferring me back and forth.
XXXX XXXX XXXX, XXXX is using extremely harassing tactics to collect allegedly unpaid toll on behalf of XXXX XXXX XXXX. I opened a XXXX XXXX XXXX account shortly after those were instituted. I have a payment card on their file since that time. Last year, my bank account got hacked and I had to get it closed. For a few business days, the card on file was not working. I updated my payment information on the account soon after receiving the new debit card. Unfortunately, during this brief period, my card ran out of {$35.00} required balance. Their attempt to charge the card failed. Shortly after I received a delinquency letter from the above mention collection agency mentioning that I have unpaid tolls and I have to pay fine. They sent the case to a collection agency without asking for any explanation or attempt to collect from a customer who has a payment method on file. I contacted XXXX XXXX and informed them with my situation. I was told to contact the collection agency. The agency does not provide any website address, email address or fax number. So, I called them. They offered me a discount on fine. I asked what fine? I did not do anything wrong and by having a payment method on file I am showing that I do not want to avoid tolls. I offer them to charge my card on file for the amount equal to the charge for missed tolls. They refused and gave me an option to challenge. Challenge can only be done via mail. I mailed the challenge. Later on, I got the letter mentioning that they could not process my petition because they do not have the necessary documentation. So, I printed my record from XXXX XXXX XXXX website and mailed them. I was waiting for a decision. In the meantime, I got another letter asking for payment, as if there was no challenge in the process at all. I request you to please, stop this harassment, as soon as possible.
Regular payments in XXXX 2016 were misapplied to principal reduction resulting in loan becoming past due. 
Principal reductions displayed as payments in online banking Making additional call attempts to my work phone number after requesting no further calls at work as would not give purpose of call, gave appearance of phishing attempt. 
No attempt made to reach me at my home phone, cell phone, mail or secure messaging to notify me of the delinquency. 
Called ID displays phone number not listed on website, gave appearance of phishing attempt. 
Excessive customer verification procedures and refusal to provide purpose of call to my place of employment without my account number or social security number Inconvenient online banking forgot id or password functions No notification account is past due or due date indicator Not provided a VRU access code Refusal to speak with a collections manager Overall difficult customer experience to resolve error by phone Account not yet corrected. Reported XXXX.
I am a current Avant customer. I have had a loan with them for 14 months - every payment made on time & auto deducted. I applied for a refinance & was given a TIL. All of the sudden, after putting in my bank information, they denied me. After waiting for two weeks, I was finally sent a denial notice via email. They denied me, a current customer, for " unable to verify identity. '' I attempted to call to speak to them & was told that I had to email their compliance department. When I did, they would n't answer me with what or why they were unable to verify the identity of a current customer. I believe I have the right as a consumer to know why my current loan company is unable to verify my identity. They have all of my personal information, including my social security number, bank information, name & date of birth. If they needed something additional, then they could have requested it. I believe this is a false reason for the denial & I also believe I am entitled to the reasons for a denial from a lender considering I meet their criteria. 
They have no problem verifying my identity to take my monthly payment each month so obviously this could n't be a great concern for them.
XXXX   XXXX   XXXX   is trying to get my money upfront for {$590.00} with a scam!
I spoke to a collection agent for ACS on XXXX XXXX. I informed the agent that I could my make my payments at their current amount. He informed me that, due to using 6 months forbearance in this calendar year XXXX it started in XXXX of XXXX, but they have my application date as XXXX XXXX ) I was ineligible. I asked if there were any hardship programs or reduced payments available. He put me on hold, came back a few minutes later, and said that they could apply forebearance to my account, starting now and running through XXXX XXXX. He went took more personal information and went through scripting asking if I still intended to repay the debt at the end of forebearance. I answered in the affirmative and he assured me the matter was resolved. 

I received a call again today, XXXX XXXX, telling me my account was still past due, and that I was ineligible for forbearance of any kind. The agent told me that a supervisor had spoken to me last time, and that she was sorry for his mistake. I thanked her for her help, but informed her of my dissatisfaction and told her I intended to file a formal complaint.
I was told by XXXX Bank XXXX XXXX XXXX Account XXXX that they will remove entire trade line, Back In XXXX it has been completely removed and now in XXXX it has been reposted. I included a copy of my report showing complete removal.
I call credit bureau to dispute acct that 's on my file that 's not mine acct XXXX XXXX, and XXXX And XXXX, XXXX XXXX and the repasentive told me that he was n't gon na file a dispute for these items his name was XXXX I told him I have had identity theft on my file he refused to file a report I was told I need to deal with creditor on my own I do n't think it was fair.
I have no idea why this debt is being collected on a bill that was from an alleged traffic ticked from 1999. Not only do I not owe it, but it is from more than 17 years ago and the statute of limitations has passed. Not only is there no evidence or proof that I owe it, they refuse to acknowledge that they can not collect it and they refuse to stop sending me letters to my work and home when I have told them not to call my work phone and cell phone. I do n't have a home phone and therefore they refuse to stop. I just want them to stop contacting and threatening a civil action on my phone and telling me I could get XXXX.
I am contacting you due to several issues with Navient. I took a break from school several years ago. When I took a break I called my loan company to discuss payment options. Over the years I learned that I was never given all of my options to repay. I have a file of late payments due to insufficient payment options that worked for me. After some time I was told about the deferment program which I am currently on. I have not been able to renew on time every year because Navient never contacts me in advance to renew before the deferment ends. I have been on the program for years and the renewal is never updated on time. I have contacted Navient so many times since I am still unemployed with XXXX children. I even consolidated my loans because I did n't know what else to do. I 'm unhappy when I look at my credit report and Navient still shows all the old accounts separately when though the loans have all been consolidated. I 'm so lost and broke. I research to learn how to handle my loans on my own since Navient customer service is n't all that great. With no income how can I afford over {$700.00} a month in student loans alone. How can I feed my children? We have been homeless several times but Navient does n't care. I should be halfway done with 10 years with the IBR but does it count if I do n't renew on time? Is this Navients way of keeping me in a hole and preventing me from reducing my debt by end of year 10? Is there someone else I can talk to? Will the other accounts be removed from my credit report since I consolidated my loans? Is there any help for individuals with children, no job, bouncing from house to house just to make it? Now they are being sued because others are experiencing the same issue nationwide. How will this affect me?
On XX/XX/XXXX I completed a Student Loan Consolidation with XXXX XXXX XXXX XXXX XXXX. Every month since then the monthly payments are automatically deducted from my checking account. On XX/XX/XXXX I received a Credit Alert stating that my score had dropped from XXXX to XXXX because my student loan payments were 90 days late. I contacted the XXXX XXXX XXXX and they said that my account was due for a recertification. I asked why I had not been notified and the representative did not have an answer. On XX/XX/XXXX XXXX XXXX XXXX sent me a notice to recertify. 

The payments have been made every month and yet a report was filed with the credit reporting agencies stating that I was 90 days behind. I believe that XXXX XXXX XXXX XXXX XXXX is responsible for this negative action. In addition to my monthly student loan payments I pay them to handle my account. They failed to do the work and notify me when it was time to recertify. This resulted in a drop of over 100 points on my credit reports. I need them to take care of this and get my credit standing to where I keep it.
My experiences with Rushmore Loan Management Services suggest that their automatic billing processes are prone to error and lack transparency. 

In XXXX of 2018 I changed the way I paid my mortgage from automatic payments initiated by my checking account to using Rushmore 's automated debits, which would automatically deduct my payment each month, and would automatically adjust when changes to my escrow payment required it. 

I'd forgotten to cancel the monthly payment initiated by my bank, so I made two payments in the month of XXXX. When I realized this, I contacted Rushmore and asked them to reassign the overpayment to my principal. On XX/XX/XXXX, I expected Rushmore to debit my account per my automatic payment agreement, but this did not happen. I was traveling abroad for much of XXXX, and did not realize this until XX/XX/XXXX. 

When I spoke with a Rushmore customer service agent, I was informed that my payment for XXXX was not made because the double payments for XXXX caused the account to register no balance due. I also learned that both payments from XXXX had been attributed to principal, so I was in default for XXXX as well as XXXX. Furthermore, my account was not debited as usual in XXXX since my account was in default. I incurred approximately {$110.00} in fees due to the missed payments. 

Rushmore encourages users to use auto draft payments : their website states : " Rushmore highly recommends setting up recurring auto draft payments, if your loan is eligible for the service. Signing up ensures you will avoid being late on your loan payment ''. I did this, and consistently had sufficient balance in my checking account to cover the drafts. Nevertheless, my account became overdue and I incurred fees and had negative impacts on my credit score. It also took some time and inconvenience to resolve the issue. Furthermore, I was not able to find any information on Rushmore 's website ( rushmore.customercarenet.com ) that showed the terms of my existing recurring bank draft agreement, nor did I receive any communications from them explaining that my bank draft would not go through as scheduled.
Our mortgage company, Mortgage Capital Associates, delayed closing on our home loan due to negligence and sheer ineptitude. My wife and I were scheduled to close Monday, XX/XX/XXXX. We had an appointment scheduled for XXXX and our loan officer and her manager were not ready to close what-so-ever and had not correctly prepared Closing Documents by the date required to close. This delay caused loss of income to my wife and I, since we were unable to report to work. They rescheduled to close early in the morning, XX/XX/XXXX. However, Mortgage Capital Associates had still failed to furnish documents to our title company due to, once again, sheer negligence and ineptitude. Serious delays to our closing cost our family time and money. Mortgage Capital Associates has no business furnishing capital to anyone. They are unprofessional, incapable, and most importantly, in breech of contract. I would like to advise the Consumer Finance Protection Bureau, as well as the general public, of their unfair business practices regarding my mortgage.
have attempted to set up a monthly payment plan online with Barclaycard ( XXXX credit card ) and still received payment due emails. I thought I had made a mistake in XXXX, but now I know there is something faulty on their end. Today I received an email saying I had missed my payment, but I am sure I made the payment online before the due date. I can assure you that my credit is close to perfect, this company upgraded my credit line from XXXX to XXXX grand on their own, which shows that I am responsible. I tried to ask that they work with me, but in order to help me I have to have a confirmation number which I did n't think to print. I talked to XXXX in XXXX Nevada at XXXX XXXX today XXXX/XXXX/17 and was told that nothing could be done, I was simply stuck with a {$27.00} fee. He informed me that he sees a log in this month on the XXXX and he can usually see what I click on, but no payments or attempts were done. Soon after the call I payed the whole balance of {$1100.00} and made sure I took the confirmation number XXXX. This shows that I have had the money and do n't want to mess around and get stuck with extra fees. They are obviously having technical issues and think is unfair.
i disputed inquiries with Experian to remove my inquires. they never gotten back to me. i never applied for these inquires. They do not belong to me. I Called Experian several times regarding these inquires. I keep getting transferred, and they both will not provide me with any confirmation numbers. I really hope you can do this investigation to help me dispute these inquiries on my report! thanks!
I've requested my XXXX  account closed several weeks ago, as far back as XX/XX/XXXX, remaining balance refunded back to me in the amount of XXXX. To date, the account is still open and balance still showing, nothing refunded back to me.
I submitted a payment to XXXX XXXX XXXX in the amount of {$130.00} on XX/XX/2018. However, I was charged twice for this payment. I noticed the error on the same day as the second transaction was posted to my account and immediately notified the company. I was told that they will issue a refund, but that it would take 60 - 90 days to get back to me. That is 2 - 3 months. The irony of the situation is almost too much to bare ; during my time as a customer with XXXX XXXX XXXX I, too, was unable to pay them for a period of 90 days. I was reported to the credit bureaus, without notification, and as a result my credit situation has been damaged for the better part of a decade. 

Thus, I must contend that XXXX XXXX XXXX, lacks an adequate process to manage a timely resolution for their customers in the event of an accidental, or erroneous charge.I also assert that they lack adequate customer service capacity, as every call I have ever had with them has been frustrating, fruitless, and entirely unhelpful. 

Because XXXX  XXXX XXXX is either unable, or unwilling, to return my funds to me in a timely manner, I have also disputed the charge with my banking institution, and have asked them to assist me in recovering the funds that were erroneously withdrawn from my account, and were not being returned.
Hello, I attended XXXX XXXX from XXXX. I used XXXX XXXX, which is now Navient, to fund my XXXX years of matriculation. I amassed {$90000.00} in student loan debt. After graduation, I pleaded with them to lower my payments from {$700.00} per month to {$200.00} per month. They said no. At the time I was only making {$1200.00} per month. I felt as stated before that this was predator lending at its best. Then when I reentered XXXX school the loans were deferred due to education, but somehow they became {$150000.00} dollars. When reviewing the statement it was like looking at how is the interest rate so how on one of the loans. Almost like they were/are adding interest everyday. When I asked lower the payments again after the deferment period ended they said they can only lower it to {$670.00} per month. I am attending school again and they refuse to defer it citing that is not in the agreement that I signed. However, when I asked for all promissory notes and agreements that were " signed '' to be sent to me, they refused. Saying that I should have kept a copy for myself or just look at the copies I already have. I feel like I am paying under duress to save my credit score. However, I am unable to leave a life comparable to be happy and free. I understand repayment, but a company can not bleed someone dry when there is no blood to be given. Now they want me to pay a {$1000.00} + this week, but they say call back to see if it can be lower. Yet, I can never be sure if they are going to help me. They are more harmful to my finances than helpful. Why are they so secretive with my account? Why ever month do I receive phone calls about a past due balance, but then they discover they are wrong ( especially when it is directly withdrawn from my account )? This inappropriate, fraudulent, and unprofessional. 
Loan Accounts : XXXX Signature Student XXXX Signature Student XXXX Signature Student XXXX XXXX XXXX Smart Option
On XX/XX/XXXX I had {$24000.00} in my personal checking account ( XXXX ) and have been trying to close and liquidate the account for weeks. I need to fire Chase and move on. Chase claims there was an issue with a LLC account that I am signatory on, but has shown no proof of this. This LLC is actually wholly owned by another LLC. Chase took it upon themselves to pierce two LLC 's and instantaneously steal my personal family assets. These assets, are the income of my wife and myself. Chase, via XXXX and XXXX have given me tidbits of information, just stating this LLC received a fraudulent wire, and offered no proof of wrong doing. I am simply just asking to learn all the facts of their claim. Chase told me to call a XXXX, a bank that I am not a client of. XXXX will not speak with a non-client. Today is the 22nd day I am without my money, and XXXX will not return my calls. I was supposed to be on vacation with my family in XXXX and this trip is destroyed, as I can not meet them there, while we all have time off.
While Chase did take my money, I notice they charged me fees on my account and I assume my Chase Credit Card is assessing more fees, as I can not pay it.
Since being contacted by I.Q. Data International, I have repeatedly asked for a breakdown of how they got to the amount in which they claim I owe. When I get a representative that agrees to look into why the amounts are n't adding up, as soon as they realize there is something wrong with their math they forward me to a manager who then yells at me and becomes completely uncooperative. I 've attempted to contact the original creditor and no one returns my calls. And the credit bureaus are only checking that the collection agency has my name and contact information correct, NOT the details for how they are calculating what is stated I owe. The original creditor and the collection agency are both on my credit reports and neither are willing to give me the information I have a right to in order to take responsibility for a debt I may owe. Most recently I received a letter from someone named XXXX that stated they needed proof of identity fraud from me since I was stating that my identity had been stolen. I have made NO SUCH claim to them and I feel like since they knew that they had exceeded the response time to my last account verification request they were trying to buy themselves more time to collect information. I 've written them a letter responding to their request for identity fraud verification and reiterated that I am requesting itemization of what they state I owe and how they, on behalf of their client, came to that amount. I also informed them that I would be forwarding my letter to them to the CFPB and submitting a complaint. And that is what I am doing now. At this point I.Q. Data has exceeded the response time on all of my requests for this information and I want the negative entries removed from my credit reports since they can not show proof. I need help.
Jared Galleria of Jewelr y has been repeatly calling me. I receiv ed 5 calls in 15 minutes I spoke with someone 3 times and informed them that I had just spoke with someone.   This happened Thursday   XXXX   XXXX   between   XXXX   XXXX   -  XXXX   XXXX   cen tral standard time.