WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased XXXX 5 years ago that cost me XXXX plus interest which came to {$24000.00}. I had problems with the vehicle the same year I had engine problems with the truck the same year. The finance company nor the dealer tried to help. They just insisted on the payment of XXXX. The truck sit idle in the yard for 6 months after being exhausted from taking it to XXXX repair shops including a XXXX dealer. They told me that there is junkyard parts in the engine and that I needed a near computer system with a overhaul to the engine. I continued to make payments on the truck and complain to the finance to no success or help from them. I had to get a rental vehicle and as of today I XXXX XXXX a rental vehicle. I took the truck to several places and they all gave me the same answer=New Engine. The finance company offered me a payoff back in XXXX for XXXX because they told me they did not want the truck back and they were not coming to get it. At that time I only owed about {$6600.00}. I had paid it almost off seeing I it was not driveable. My mother was diagnosed with XXXX during this time and I was not able to make the payoff date that was given to me. I got no understanding from the finance company. My mother was diagnosed in XXXX and passed in XXXX with no burial insurance because she had let it lapse and did not tell anyone. I had to help pay for all the burial expenses of $ XXXX. I had the truck towed to XXXX last place to see if I could at least get someone to repair it for a economical price. The truck remained at the shop because the charged me for all the storage fees during my mothers sickness. The finance company refused to come and get it. The shop put a lien against the storage fees and sold it at an auction. I just received a letter from the finance company stating that I owe them XXXX and they are willing to accept less than that amount. I can not purchase another vehicle until this is settled and I will continue to use a rental. I have been using a rental since XXXX XXXX. I am will to pay the {$1500.00} for a payoff plus remove this bad debt off my credit. I bought a lemon and they wo n't own up to it. I made a complaint with them. They do not care. I have paid all of that money plus repairs and I still do not have a vehicle. I do n't have the truck. I was told by a letter that it was going to auction. Please help me!!!!!
I deposited a check for {$500.00} into my account on a Friday afternoon into my US Bank checking account. US Bank made {$200.00} of that deposit available to me immediately. I purchased something from XXXX XXXX for {$9.00}. Then later in the day US Bank decided they did not want to give me {$200.00} advance on deposit and took it back, in so doing my {$9.00} purchase caused my account to be overdrawn by {$4.00}. Seeing this I attempted to deposit cash into the ATM, the ATM would not let me. I e-mailed US Bank since it was the weekend and bank branch was closed. THey said to make a deposit I need to go into a branch to remove a hold that was put on card. Well I work for a living like most Americans and ca n't go in when banks are opened. During the week, so I deposited a check via their mobile deposit, to which I was charged {$0.00} to do so. Which I am fine with. 
On the XXXX, even though I do n't have overdraft protection and an e-mail ( from US Bank ) states I would n't be charged any fees for overdrawing my account using my debit card, I was charged a fee ( {$36.00} ). I purchased something when my account had a positive balance, enough to cover XXXX purchases of the size I made, then it was taken back to draw my account over. 
I have made multiple requests to remove the fee of {$36.00} and each rep declined. I put a stop payment on the deposit I made to US Bank because of the way they were acting and wanting to charge me fees. To which US Bank charged a {$19.00} returned item fee. That I had no problem paying. I am simply asking for the {$36.00} fee returned. 
Additional Note : I attempted to get this resolved, but after XXXX emails with US Bank, they refused to do so.
I am a XXXX American XXXX veteran. I have been a customer with Capital One for years. I was hospitalized from XXXX XXXX until XXXX XXXX XXXX. On XX/XX/XXXX I was in XXXX at the VA Hospital. A merchant charged me for a service billing my credit card XXXX. I did n't approve this charge. Even though this merchant House Detectives did n't have any signed invoice by me, Capital One charged me. They did n't consider the fact that I was hospitalized at this time in XXXX and my doctor said due to my condition at that time I should n't be responsible for any financial obligations.
I receive calls in excess of 6 times per day, every day, Monday through Friday, starting at XXXX and ending at XXXX. When I answer they ask for my wife. When I tell them she is out of town or unavailable, they say they will call back and hang up. They refuse to identify the balance owed, if any. Often there is no one on the line when I answer, and when I do n't answer, they do n't leave a message. I have identified to them on numerous occasions that they are harassing me to no avail. This has been going on for in excess of a year. These calls are severely affecting my ability to conduct my business.
XX/XX/XXXX. 

This happens regularly. 

The account will have some amount of money, and two charges will go through.

The bank will take charges such that they can get TWO overdraft fees.

If I have {$5.00} in the account and there are two charges ( let 's say {$6.00} and {$4.00} ), then this bank will take the {$6.00} transaction first ( balance of - {$1.00} ) and then another {$4.00} ( balance of - {$10.00} ).

If they had taken it the other way around, ( {$4.00} and THEN {$6.00} ), it would have only necessitated ONE overdraft fee. 

Acct # XXXX
Southwest Credit Systems ( XXXX ) XXXX, keeps calling my telephone number looking for a XXXX XXXX. I have tried contacting them several times asking them to stop calling my number for this person because I do n't know who this person. They called ( robo call ) me today Sunday, XXXX XXXX, 2016 at XXXX. I want them to stop!
Since I blocked there number on my phone, ( they use XXXX different numbers ) I have received over XXXX calls. Sometimes up to XXXX times a day calling me. If I pick up and hang up they will turn around and call again. Last Monday XXXX XXXX they called me at XXXX, XXXX and again at XXXX. Along with every day of the week they constantly call me.
On XX/XX/18 Capital One 360 allowed an online unauthorized debit card payment to XXXX in the amount of {$2400.00}, overdrafting a checking account that was not opted in for any overdraft agreement between myself and CapitalOne360. I disputed the item as fraudulent and was given the disputed amount back on XX/XX/18. On XX/XX/18 CapitalOne360 reversed the credit again unlawfully overdrawing the checking account to {$2400.00}. On XX/XX/18 I disputed the unauthorized amount again as fraudulent and was told I may or may not be allowed to dispute a second time. I inquired about my having never opted in to overdrafts on the account in the first place and the representative would not appropriately answer my questions and only preferred to confuse the situation by not looking back to the original overdraft date of XX/XX/18. This overdraft was not only fraudulent but was unlawfully taken on an account not secured by overdraft protection agreement and also surpassed the daily threshold amount on ACH payments regarding online debit payments for a simple checking account without any regard for contract or statutory legal limitations.
I have reached out and filed disputes with XXXX, XXXX and Experian about reporting inaccurate info on my credit report and the only thing they have done was updated I am not sure of the dates but most recent was XXXX of XXXX and it came back as not removed or deleted but updated. I have asked these credit bureaus to validate the accounts first and since then I have not received any updates verifying these accounts. I have also called each credit reporting agencies to update personal information and disputed inquries that I have not consent any company to check my credit and there has been no change since last year XXXX.
I've been a Discover Card customer since XXXX. 
My payment history is excellent and my Credit score is over 750. 
On XX/XX/XXXX, I contacted the company to request a reduction of my 21.24 % interest rate. 
I spoke with a CSR named XXXX and his Supervisor, XXXX. They both told me that their records show that I am eligible rate, however, no lower rate was shown in their system. XXXX was " intrigued '' by the situation but could not provide an interest rate reduction. 
He did offer a refund of the {$74.00} interest that I was charged on my last statement. 
I think I should receive a lower interest rate.
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Planet Home Lending disables the ability to make a payment online when your over 30 days late. I have tried to contact them to make payment arrangements but they refuse to accept my XX/XX/XXXX payment without setting up a payment for XX/XX/XXXX which I understand is due, however, it's not even past my grace period for a late fee. I've tried several times to talk to their Loan Counseling department without any success. I finally gave in & agreed to a payment plan ( TOLD THEM SEVERAL TIMES, I DID NOT WANT ANY TYPE OF MOD, PAYMENT PLAN OR ANYTHING SIMILAR ) which is spreading my XX/XX/XXXX payment over 3 months, thus giving me a monthly payment for the next 3 months in the amount of {$3300.00}, which is {$820.00} EXTRA per month for the next 3 months ( and will still be reporting to my credit as being 30-59 days delinquent ) when I'm already struggling to make my regular {$2400.00} payment, so we know how this is going to end. My $ XXXX monthly payment includes {$350.00} extra for escrow arrears which should have ended already but they're still charging me the same amount. I asked to speak to a manager, thinking maybe they'd be more knowledgeable and helpful but the representative ( XXXX, employee ID # XXXX in Connecticut ) stated her supervisor was at lunch & the supervisor in Florida was not available, she did offer to have someone call me back, which I'm still waiting for. 
I fell behind on my mortgage payment due to having emergency XXXX in XX/XX/XXXX and having to on temporary leave from my job. I've been trying to make my XX/XX/XXXX payment which is over 30 days past due, but, have not been able to make it due to Planet Home Lending refusing to take my XX/XX/XXXX payment unless I schedule my XX/XX/XXXX payment as well. I told them I have plans to make my XX/XX/XXXX payment XX/XX/XXXX but did not want to schedule because I want to make sure the funds are actually in my account on that day as I have fallen behind on other bills. 
Planet Home Lending does not make it easy for borrowers to make their payments. Their system is always down, my account is almost always locked & if you try to call them their representatives are always " assisting other customers ''. I need Planet Home Lending to complete an escrow analysis on my account so that the extra {$350.00} " arrears '' can be removed from my required monthly payment. 
I can not wait until I'm able to refinance to leave Planet Home Lending as it is the WORST mortgage company to have your mortgage serviced by.
Avant Continous calls from different phone numbers all hours of the day {$6000.00} balance??? 
Please remove from my credit reports
First, this company was repeatedly calling a friend whose number was not an authorized way for them to contact me. They called her multiple times daily over the past two weeks even after she told them not to contact her. She gave me their info and I callled them myself. The woman I spoke to refused to send me a statement of my debt on paper or any other form of validation of my debt. I tried to explain my medical situation to explain why I havent yet been able to pay and can not make a payment today. She refused to accept that I can not afford a payment at this time. She stated I was refusing to pay even though I can not pay. I said I would be happy to attempt to work something out in the near future and again asked for a statement to be mailed to me ; she again refused. She mocked my illness and insinuated I was lying about my situation. So again, two major issues : repeated calls to a third party, and they refused to send me validation of my debt so that I can plan for future payments ( or dispute the debt if it turns out not to be mine ).
For ten years we never had payment issues with our previous loan servicer XXXX. Unfortunately, XXXX XXXX recently sold our mortgage loan to a private investment company. The new owner uses a different service company called Select Portfolio Servicing Inc ( SPS )  based in XXXX XXXX XXXX, UT. 

We 've had nothing but problems with SPS from the very beginning of our relationship. Unlike XXXX, SPS does not put the amount due on our monthly statements. 

I 'm forced to call the SPS call center every month to get the amount I have to pay. Unfortunately, every time I talk to someone at SPS, I get a different answer to how much I have to pay. I call multiple times to see if I can get an agreement on the amount I have to pay. Usually I choose the highest payment amount given to me. 

When I get my next month 's statement, I see that the amount I paid was incorrect. When I call SPS to find out what the correct amount was for the previous month, once again I get different answers depending on whom I 'm speaking with.
I tried to talk to a SPS call center supervisor, but each time I 'm told that there is n't one available, and a supervisor will call me back in 48 hours. Of course no SPS supervisor ever calls me. 

The SPS call center representatives are so bad, unskilled, and unhelpful, that for the first time ever, I wish SPS would outsource their call center to XXXX. 

Ever since SPS has become my mortgage loan servicer, I spend HOURS every month trying to pay my mortgage. It is an ordeal dealing with this company. I just want this nightmare to end.
Supposedly I owe the amount of {$310.00} dollars to collection agency XXXX XXXX XXXX XXXX. At around the time in question I was still out of it, and was on some XXXX medications from my XXXX  XXXX. I had XXXX XXXX XXXX, and am still XXXX from my XXXX XXXX. I would love to see the paperwork or some kind of proof that it 's mine, I could n't even have signed anything.
As XX/XX/XXXX mortage company sent me overage payment from escrow which was about {$4000.00}. I called to ask why and got the run around. After that the payment went up. As of XXXX XXXX i was sent another check of overage about {$150.00}. Did not try to contact mortage company because of the first attempt to at calling.After recieving check the house payment went up for the second time. As of XXXX XXXX I was still sent another overage of {$150.00} and payment will go up in XXXX about from {$1700.00} to {$1700.00}! Last check that was sent i am sending back to escrow to be applied to escrow. As of XXXX. Keep in mind this is a F.H.A. fixed rate loan! I have never had a loan go up like this for a fixed rate loan. convental or f.h.a. loan. Keep in mind the starting loan amount was {$1600.00} and has repeatly went up since the loan was inatiated. There should be no reason or explaination for the loan amount to go up!!! If they can not maintain this loan i will be forced to go into foreclosier because i am on XXXX right now.
On XXXX/XXXX/16 I made payment in full on my Citibank XXXX XXXX credit card. Today I logged into my Citibank online account to get a copy of the statement showing that my balance was paid in full. To my surprise, I could download the XXXX statement, and the XXXX statement, but not the XXXX statement on which my payoff transaction would appear. I used the bank 's online Live Chat feature to contact them about the problem. Their representative, XXXX, stated that they do not provide statements when the account has a zero balance, so no statement was generated for XXXX 2016. I pointed out that I had made a large payment during that statement cycle, so there was a transaction on the account, & even though the ending balance was {$0.00}, the starting balance was not {$0.00}. I should therefore receive a statement for that month, which did have some account activity, as proof of my payment and of my zero balance due.
Paid off lease to setf for my leased vehicle with check on   XXXX    .   SETF took another auto payment  on XX/XX/2017 . Tried i n vain to contac t SETF bo th via phone and online. No human responded, but redirected to website. No help there.   I have, of course, stopped the auto payments ... but would like a response from SETF on whether or not this was a double payment on this lease. I would like a payout reckoning from this company to ascertain the exact amounts of final payments reconciling total monthly withdrawals and payoff amount.   Worst customer service ever! Can you assist?   Sincerely
I d

id a wire transfer of {$8400.00} on XX/XX/XXXX to my Coinbase account. It has still not shown up to my account .... I contacted my bank which is XXXX XXXX XXXX to confirm the wire transfer went through that same day I submitted it. I contacted their bank XXXX XXXX and they received it that same day and posted it to Coinbase that same day. They told me now it 's just on Coinbase end to post it onto my account however there is still no money in my account .... Their website states it normally takes 2-3 business days for wire transfer. Today is now XX/XX/XXXX. I 've tried contacting them numerous times and never got a live person or a response until yesterday on XX/XX/XXXX when I spoke to a manager who could not give me any info besides they 're escalating it to a specialist. After speaking with him I started doing research and discovered there are tons of people that are going through the same problem that I am and have not gotten it resolved it months.

Here is a link for proof : XXXX XXXX XXXX/ I started a service request with my bank to get my wire transfer back on XX/XX/XXXX. My bank said they 're now waiting on Coinbase 's bank XXXX XXXX to send me my money back ... still nowhere to be found. I contacted Metropolitan bank and they said they 're waiting on Coinbase however still have not heard back from them. I am worried about them even sending my wire transfer back because many people complained about how their money never showed up after they told them it has been sent back ... This was meant to be an investment however it has set me back by XXXX of my hard earned money and now I 'm on the verge of being homeless because of this. Please help!!! My bank XXXX is telling me they cant do anything, XXXX XXXX is telling me they cant do anything, Coinbase support is not existence. Please help me get my money back. Thank you,
In mid 2013 we reluctantly signed a deed in lieu of foreclosure with Seterus Mortgage. We had very poor Response from Seterus ... ..but having no other choice, we signed the paperwork. To this day, we have yet to receive our promised check and our Attorney advised us to get a response from Seterus before he decides to do anything further.
XXXX XXXX was given a request to close XXXX/XXXX  account and XXXX XXXX/XXXX  account and 30 business days later the accounts remain open, XXXX XXXX do not have the right to hold an account open and I do not need the creditor to tell XXXX XXXX to close an account in order for it to be closed, that's against my consumer rights, and I want the right to close those account today.now
In early XX/XX/XXXX I received the wrong XXXX form that has incorrect XX/XX/XXXX interest payments and incorrect XX/XX/XXXX tax payments. I promptly contacted Loancare to inform them that information was wrong and my personal information may have possibly be sent to the wrong person. Since my loan information and personal identifiable info was possibly sent to wrong person, I was requesting for them to reisue my XXXX so someone else doesnt file my taxes. I contacted Loancare XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they continue to tell me that it will be updated online however it has not been. Please help me in resolving this issue. When I call them I usually have to request a return phone call because of their phone lines being backed up. They will also not allow me to speak to anyone in leadership or their tax center that actually makes the changes. Im concerned that my identity has been stolen from Loancare mistakes and it will create serious challenges for me when I file my taxes. If I can simply get the correct XXXX, I can file immediately. Thanks for your assistance with this personal matter.
I asked the person on the phone to not call my place of employment, several times. However, they continue. We can not receive personal calls at work. I explained that to them. I got threats of arrest and they also sated I was irresponsible and I should act like a lady and not just hang up the phone when they call my job. I have told them that I can not pay a lump sum on any debt, but they throw out threats and attempt to intimidate me. I would like them to stop harassing me at work.
I received a notice from transcontinental regarding a bill for {$480.00} from XXXX XXXX XXXX for date of service XXXX/XXXX/XXXX, I have been in contact with XXXX XXXX XXXX and applied for financial help with them with their financial aid department, I also recently received this same notice from XXXX XXXX XXXX for the same amount and they too was aware I applied for financial help with XXXX XXXX XXXX department so I dont know why I am receiving double billing XXXX from 2 collections department when I have been in contact with XXXX XXXX XXXX. Somewhere along the line someone is not communicating.
I submitted a hardship application to Nationstar Mortgage at XX/XX/XXXX and I did not hear anything from them. I looked on line several times to obtain the status of my application and there was no information. I called Nationstar today ( XXXX/XXXX/2015 ) to obtain a status of my application was advise that my application had been denied ( the investor does not do modifications ). I asked why I did not receive a letter stating that my application had been received ( 5-day letter ) or a letter indicating that I had been denied ( supposedly in XX/XX/XXXX ). The representative claimed that the information was sent to me via email. I have a problem with that explanation as I received nothing in either case however, I do receive the monthly billing statements. I believe Nationstar Mortgage failed to notify me in either case nor did they ask for any additional information ( complete loan application ).
I have been seeing this on my credit report from MCM, Midland Credit Management regarding over {$1300.00}. I still have n't received a verification of debt and I do n't believe this is legitimate.