WillisBack/dataset-financial-user-claim huggingface dataset:
For over 20 years I have been transfering money to XXXX XXXX for family emergencies ( death, hospitalizations, celebrations, etc ) by Western Union (WU ) with no problems, when all of a sudden a transfer on XX/XX/2018, for {$200.00} was declined and the amount refunded on XX/XX/2018. After many calls to customer service I did not get the any answer as to why! I filed a complaint with the MD Dept of Labor and Licensing ( DLLR ), who received a response from WU indicating that they made a business decision to cancel ( my funds transfer ) based on suspected consumer fraud. ( NOTE : THE MONEY SENT WAS MINE AND THE RECIPIENT WAS A NEPHEW I HAVE KNOWN SINCE HIS BIRTH! ) I appealed to WU and on XX/XX/2018, I was sent a questionnaire for reinstatement which also requested my financial information. I submitted all of the information. On XX/XX/2018, they acknowledged receipt of the information. Finally on XX/XX/XXXX, I have received a response upholding their previous decision to deny me access to their money transfer services. I requested an explanation and the reply was reason why consumer not authorized to use Western Union services can no be disclosed, it is private policy. Read all the fine print explaining services but only reasons they seem to list are based on fraud or criminal activity. The financials I sent to WU and verified by my banks and brokerage clearly prove that the money is lawfully obtained. Then when I sent their response to MD DLLR they indicated that since WU was relying on their policies they could not do anything further.

I AM BLOCKED FROM USING WESTERN UNION AND NO ONE GIVES ME A VALID REASON! I do find it interesting that after years as a GOLD CARD member, I have enough points that I no longer have to pay transfer fees, and NOW THEY DO NOT WANT MY BUSINESS!!
I have repeatedly reported to all three credit bureaus that I have never lived XXXX MD and I have never opened a PO box or had the reason to. I have lived at the same address for years. This inaccuracy has affected my ability to open a new line of credit because it 's being used as identifying information.
Want to have this removed from acct. wrong dates XXXX XXXX system XX/XX/2017 : XXXX XXXXXXXX {$3900.00}
Chase Bank filed for foreclosure. We want to pay off the loan in full as we have equity and we can get a new loan, but we questioned their pay off amount. We wrote them a formal letter on XX/XX/XXXX their number. On XXXX XXXX, supposedly Chase referred the matter to their Executive Escalation Department. Chase responded rote us a letter on XX/XX/XXXX, but it was obvious that they had not read the original letter of XX/XX/XXXX, so we sent them another copy of that letter. Since them we have received separate letters from Chase promising a detailed reply to our concerns by XXXX XXXX, and then written requests for extensions by Chase on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. On XXXX XXXX we wrote Chase to tell them that we would not grant any extension beyond A gust XXXX, and that we would file a complaint with your agency. Today we received another letter from Chase requesting an extension to XXXX XXXX. Due to Chase 's failure to give us a correct payoff amount since XX/XX/XXXX, we have now lost our loan commitment.
Creditor Information WELLS FARGO EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XX/XX/2007 {$10000.00} My loan was supposed to be transferred and refinanced with another company. The name of the lender and the lenders have changed several times over the years. I believe I am being double billed. When I contact Wells Fargo they will only tell me they are researching things. They continue to report several different balances and opening dates on my credit report and now they are reporting a charge off. I only had one account with them. Now I suddenly have 3 accounts.
I have two student loans with payments being handled by American Education Services. Both loans are owned by XXXX XXXX XXXX XXXX XXXX and guaranteed by XXXX. I believe my account balances have been incorrectly calculated over the years, and I 'm not even confident that XXXX  and AES have the proper paperwork to still be collecting my payments. 

Both of my loans were disbursed in XX/XX/XXXX ; both are " standard variable '' interest rate types, and both are non-subsidized, private loans. 
AES was capitalizing interest on my loans every few months from XX/XX/XXXX. 

The two loans COMBINED had an ORIGINAL balance of {$39000.00}. 
My CURRENT balance for the two loans combined is {$40000.00} -- - more than the amount I borrowed despite the fact that, to date, I have PAID a total of {$52000.00}. 
( {$26000.00} to principal and {$25000.00} to interest and {$210.00} in fees ) Both loans have expected payoff dates of XXXX. 

I know XXXX and XXXX have been under scrutiny recently for their record-keeping practices. I have no issue with repaying what I borrowed plus some interest, but something does n't seem right when I 'll end up paying over {$92000.00} on loans that were less than {$40000.00}.
I have a 2 fold issue with US Bank I have had a bank account there for many years.

Problem # 1 : they canceled my cash card and access to my accounts for no valid reason Around XX/XX/XXXX US bank, let one of their members ( im told, not even someone who should have been authorized to do it ) accessed my banking card, and randomly canceled my main bank card ( cash card ) I found this out while I was out for lunch at work and my card was declined.

I received no warning of it, no alerts, etc.

I called, and was told, they didn't know why it had happened but that they would look into it ... no manager was available, and I never received a call back.

I contacted a manager via email, who had previously helped me on another issue XXXX XXXX and asked for his help. 

He told me that, he cant see any reason why it would have been canceled like it was, but that he was not able to reactivate it and would send a new card, with new number, which creates more problems, as I have several things ( auto billed each month ) I went into the branch location in XXXX a day or 2 later and spoke with a banker there, who told me my card had been " hot carded '' but she didnt know why, and that she couldn't get my old card number corrected. 
I called XXXX back, Then during our conversation, he says that he can save me quite a bit on my current auto loan, I gave him some information as to what I owed on it, etc, and he said he would check it out and get back to me, and let me know if he would be able to save me some money ... Note '' I never gave him permission to run my credit '' I wanted to know what he could save my on monthly payments. 

I followed up with him a couple times, and he never returned my calls, a couple of days later, I see a hard inquiry come across my credit report from US bank, I made several more calls, several more voicemails to him asking him about my credit being pulled, and ive not heard anything ... still to date, I have not received a response, leading to my second Issue : # 2 Credit pulled without permission, no response to what took place, hard inquiry placed on my credit bureau. 
His contact information below : Officer | Branch Manager II p. XXXX | a. XXXX | XXXX usbank.com
To Whom It May Concern : This letter is an explanation of why we are requesting a short sale of our current home to Astoria Bank. My spouse was laid off due to a reduction-in-force from her job in XX/XX/XXXX. When this occurred I requested a deferment of payments for a few months and a loan modification to be applied to the end of my mortgage loan. The request was denied even though I had given Astoria all the necessary information requested ( hardship letter, pay stubs, bank statements, taxes, budgets, bills, and letters of explanation ). To further increase the severity of our financial situation at the time we had a rate adjustment on our current loan, which increased the mortgage by additional {$1500.00} dollars. 

Since then my spouse has been unable to find steady work and has been taking temp jobs to try and assist with helping to make ends meet. We did not think that it would be this difficult for her to find employment which would sustain our household, but it has. We have drained our bank accounts checking and savings to almost non-existence and have only been able to make payments up until this point by borrowing from friends and family to help us make our mortgage payments and to make ends meet. 
Early XX/XX/XXXX we pursued the short sale avenue, received an offer on our home and have submitted a short sale package again to our mortgage company Astoria Bank, which is trying to use deceptive practices to deny this transaction, by requesting the same paperwork over and over again. They are coming up with reasons to deny the short sale, which we will have no course but to continue down the foreclosure route. We have provided ( hardship letter, paystubs, bank statements, taxes, budgets, bills, letters of explanation, and two years ' worth of data ) and they still request more and say the package will be denied. 
We can no longer support the payment with XXXX steady salary in our household. This has been great financial burden on our family and very stressful time in our lives. Our household incomes as I have mentioned before has been reduced of 46 % of take home salary and an increase of 80 % on our mortgage loan, with another pending adjustment coming. We are customers in good standing currently with this bank, and have never missed a payment, but this has now come to where we have drained every dime. We tried to get the process completed before our bank account became empty, and a year later Astoria is being very difficult ; The bank drawing this process out seems as if they want to force our offeror to withdraw and force foreclosure which makes no sense to us. Our realtor says they have never seen anything like this ever, and believe Astoria is being deceptive in their practices. Please let us know if there is any action we can take as consumers against such practices.
Dear Equifax, what's wrong? XXXX XXXX and XXXX XXXX I are collecting the same debt from a hospital that I don't know of. How can that be done? 
XXXX XXXX  Case OpenedXX/XX/XXXX ( 2 mos ) ; Account status : Open ; Original Creditor Name : XXXX XXXX XXXX XXXX And then XX/XX/XXXXXXXX XXXX  I Case Opened XX/XX/XXXX ( 1 yr, 11 mos ) ; Account status : Open ; Original Creditor Name : XXXX XXXX XXXX Please Equifax something wrong is going on, all those reports on my credits are all almost false.
My husband and myself have a credit card with Jareds Jewelers. We have been unable to make our payments and my husband is in the process of filing bankruptcy. We owe a small amount nothing major but Jared 's is refusing to work with us. We are getting calls 3 times a day from them my husband has explained out situation but to no avail we keep receiving harassing calls and they are now threatening us. My husband received a call this morning XXXX XXXX, 2017. My husband stated to the rep that he was unable to talk he was at work, the rep said to him your gon na talk to me now! They keep telling my husband he needs to take the merchandise we purchased back to the store. They are using foul language and are not willing to work with us even with explaining our situation. I do understand they are debt collectors but I believe if they were treating people with a little more respect they may get somewhere.
I spoke with XXXX. XXXX on XX/XX/XXXX concerning the alleged debt from XXXX XXXX XXXX. I gave the rep. my contact information home address and confirmed phone # and expressed my concern over the debt and asked for proof. Rent Recover XXXX XXXX XXXX continued to pursue operation as if they had not reached me by calling my job XX/XX/XXXX and parents home upsetting my elderly parents with a request that had been addressed. The name of the company a lone " Rent Recover XXXX XXXX XXXX, XXXX I feel likes violates by privacy when calling my place of employment
This Georgia State Tax Lien should be removed from my credit report. It was paid and was reported as a lien in error. I contacted XXXX XXXX and they stated to me that it was up to the credit reporting agency to remove. 

This Georgia State tax Lien should be removed.
The Representative - XXXX XXXX for Integrative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX repeatedly contacted me earlier today with regard to collecting an outstanding Payday loan that had been referred to his office for collections. He left several voicemails on my cell phone while I was at work with him laughing stating " I win '' and singing " it 's a lonely world '' XXXX XXXX repeatedly called me " XXXX '' and " terrible person '' who " does n't deserve to walk the face of this earth '' and demeaned my level of education although I have a XXXX XXXX XXXX from a very reputable university. He proceeded to threaten to expose private confidential personal information to my employer which is wholly illegal. He even went so far to attempt to demean me by asking if I visited my mother in jail, she is n't and has never been incarcerated and even if she was, this is beyond acceptable conduct. 

He threatened criminal charges would be filed against me and that my assets would be seized if I did not provide him my credit card information immediately. Furthermore, XXXX XXXX refused to allow me to speak with his supervisor or another representative as his level of harassment was well beyond anything that I have experienced before. 

The conduct of this company has been well documented by multiple parties other than myself and was substantiated by another representative whom I speak with who also stated " I do n't like him either because of the way he treats people. '' It is absolutely unfair to the consumer to endure such harassment and defamation because of {$400.00}.
My loan was " sold '' to Navient who tried to collect on it, Navient then gave it to XXXX. XXXX said that if I made three on time payments of XXXX a month they would lower my interest rate from 10 % to .001 % so that I would actually start making headway on my loans. i made the payments but they never lowered my interest rate and they never updated my account to show current status or that my balance was decreasing. Navient stated that they never received conformation that I had made the payments and that they had a deal. When they researched the account the found that I was right and they said that i would be credited the interest back over time, so there was no real benefit to me. They also said that there was a new policy that no credit reports were going to be updated as of XXXX 2016 so all the payments I made were never going to be reflected, my credit report would always show that I was behind. Because this is reporting inaccurately I can not qualify for a house or loan consolidation of any type.
I have been receiving calls from XXXX XXXX XXXX over a debt from 2010 and the calls have escalated to the point of harassment. On XX/XX/XXXX a representative from Coast called to inquire if I was home, she then informed me that there was someone on their way to my home to serve court lawsuit documents. There was an overt threat of litigation and possible arrest, later in the day, if I did not pay at that moment over the phone. 

The debt in question is for student loan funds which were disbursed for the full semester, while I only attended Spring 1 instead of Spring 1 and 2. The disputed funds are for Spring 2 session and the amount is {$1300.00} which I had negated in good faith to pay but the collection agency has assessed fictitious interest fees that have more than doubled the original amount and will not negotiate on. I am distressed the by inexplicable attempt to double my debt and I am even more distressed by the aggressive, illegal collection tactics of threatening me with arrest and court action. Please advise on the best course of action for this situation. Thank you.
The company deducts interest from partial principal payments when paying scheduled installment payments. 

The company does not have a means for consumers to make payments to principal balance only. 

The company does not honor its loan agreement. The loan agreement clearly states partial principal payments will not incurred interest ... .Please see attached loan agreement
REMOVE THE SECURITY FREEZE ITS PREVENTING ME FROM APPLYING FOR CREDIT AND ALSO I CAN NOT REVIEW MY DISPUTES ONLINE WITH XXXX, XXXX OR EXPERIAN DUE TO THE SECURITY FREEZE REMOVE IT I DID NOT ASK FOR IT YOU PPL ARE STRESSING ME OUT.
I have been HOUNDED by a XXXX collection agency for more than 6 years now. I disputed the collection with Equifax since they keep holding on to and posting this collection against me! NOBODY SEEMS TO BE LISTENING to the fact that this debt and all others were included in a bankruptcy filing in 2009.
My Coinbase account is " Account Restricted ''. Specifically when I try to buy or sell, the following message comes up : " Account Restricted You are currently unable to buy and sell digital currency on Coinbase. Please visit https : //support.coinbase.com for assistance. '' So around 4 months ago when I found out that I could not buy any cryptocurrency because of this, I sent an email to Support, and got automatic response, then I got a real response that they are looking into it. Then a few months later, I got another response that I had to close my Business Account ( as this was somehow linked to my personal coinbase account ). I did this and answered and this was several months ago. All my emails are attached.

Since then the value of bitcoin, bitcoin cash, ethereum, litecoin have all gone down in price. I have been trying to take my money out so I could pay some bills and help my mom who is fighting XXXX. Now it is less value.
I received an advertisement in the mail about RISE loans. No where on the paperwork they sent me did it indicate how much interest is charged. The advertisement refers people to a web site : RISEcredit.com. There is no indication on that web site as to how much interest is charged. I had to call XXXX to find out the interest rates start at above 36 % and top out above 300 %. Is n't interest information required on these advertisements? This was an unsolicited loan offer, telling me I was " pre-selected ''. Does that mean, low income or having a poor credit rating, making me vulnerable prey to a XXXX company? If interest rate info is not required on these ad 's, it needs to be required.
I submitted a complaint to XXXX about XXXX XXXX ; I have paid in full to the account. I also want to know why these United States Credit Bureau 's are allowed to only report negative information from Wireless companies and Utilities? This is a one way avenue that is a direct Economical impact to the wealth of our country. This is a bias practice. If these companies want to report negative on our Financial Credit system then they must report good credit to these companies as well. This process is unfair and bias towards the wealth of Banks and APR that sucks American 's Wealth which Politicians and their Lobbyist get rich from. Enforcing a fair Credit system is Key and allowing these companies to biasly report is a CORPORATE CRIME against AMERICA!
Chase is reporting that I have balances owed on XXXX credit cards they issued XXXX 's on last year. I included those XXXX 's in my last year 's taxes, and they were paid. They should not report owed balances on debt they cancelled.
I was contacted by this company, XXXX XXXX XXXX XXXX, without ever having received any documentation from them. Also, the debt they are proposing to collect on belonged to another agency and I have received no documentation of assignment of debt, validation of debt, or any contact information. They have contacted me several times and I have now, thanks to the records of the Massachusetts Division of Banks, found that this agency is in fact NOT licensed in Massachusetts for Debt Collection.
Experian has allowed collection agencies to re-post and resell accounts to appear as new and current. And they are not new.
XX/XX/2016, signed up for XXXX XXXX XXXX XXXX. The sales manager at that time was XXXX XXXX. he told me and a few others in the neighborhood there was no credit check and no cancelation fee. That turned out absolutely wrong. I later found out that it was indeed a credit check in which i didnt authorize and there was termination. I called in and was given a email address to email the legal dept for XXXX but i never got a response from them. Since then XXXX, the new sales manager XXXX XXXX in the area has been coming around to do what he calls " damage control '' he told me XXXX XXXX is no longer apart of the ompany because he gave false information and there is a lawsuit against him. I would like this removed and more information on the lawsuit.
Initially I never was contacted by Mitchell Rubenstein & Assoc. They were not the holders listed on my credit report pulled XXXX. XXXX had sold it to another company, and I had to call that company and was told my loan had been transferred to MRA. MRA never sent me a bill or any notification that they had taken over my debt or how or where to send payments. My debt was XXXX. I called MRA on XXXX/XXXX/15, and after being grilled about why I had not made any type of payment and explaining that I did not even know they had my debt, I told them I wanted to make XXXX large payments over the next 6 weeks ( XXXX pay periods ) but could not pay it all off on that day and the women I talked to was ok with that. I made the first payment through their electronic site XXXX/XXXX/15 for XXXX. They called me on XXXX/XXXX/15 to ask me why I had not made a complete payment, claiming I said I would make {$1000.00} payments, to which I had definitely not agreed. I was threatened over the phone to immediately send them {$50.00} or be in default, and I countered that I would send their {$50.00} but then would just pay them {$100.00} a month for the next year or XXXX since my paying them off in large chunks every 2 weeks was apparently too difficult for them. She backed down and said that my sending larger amounts after my payday would be " sufficient ''. I made another electronic payment on XXXX/XXXX/15 for XXXX. When I tried to make the final payment online on XXXX/XXXX/15, their payment website was not working. I called them on XXXX/XXXX/15 and then again on XXXX/XXXX/15 and XXXX/XXXX/15, all 3 times forced to leave a message ( could not get to a live person any time ) asking them to return my call ( s ) as I wanted to make the final payment but the website was not working and I needed an address to which I could mail a check. I still have not received a return call from them. I did receive a letter dated XXXX/XXXX/15 threatening legal action since I was in default. I would not have been in default if they had ever sent me written correspondence when they took over the loan ( then I would have had an address or possibly a more direct phone number ), if they had ever sent me a bill, or if they had returned any of my phone calls. I understand that companies buy loans from other companies, but do n't they have to notify people when they do that?
I borrow money to go to LPN school in Florida from XXXX/Navient and I needed to take a private loan out to pay school. Disbursement Date XXXX/XXXX/2007 Original Principal {$15000.00} The Unpaid Principal is now. 
{$24000.00} During that time we hit financial hard times and I was unable to finish school or even pay. Constant threats. Now years later I finally finished XXXX school and have been trying to make payment but the original payment was too high so went to income driven plan. In the last 3 years I have made regular payments to see my principal keep increasing. The payments even on the income driven plan keep going up. I will be in debt forever the way they are working this out. Please help. 
XXXX XXXX