WillisBack/dataset-financial-user-claim huggingface dataset:
I originally took the loan under the impression that the APR rate would be way lower than it turned out to be. I was also under the impression that the finance charge would be a one time fee. The company was very misleading because I later found out the finance charge is a percentage that is subject to change. I attempted to make a {$300.00} payment the end of XXXX which was never 'processed. ' I looked today and the payment still says pending. This would have made a huge difference on my interest rate. I think this was another scheme to keep me from paying off my loan early. I called today to make a payment on the principal. I told the representative that I planned on paying off the loan next week ( on my payday ) and she could not tell me what that amount would be. They also claimed that they could not process my payment for two business days and that I would still have to pay interest for the weekend even though i have been attempting to pay. The representative said there was no pending payment on my account ( I have a screen shot of the website mentioning my online payment ) Overall, this has been a terrible experience. The company has been so dishonest and they set you up to fail.
On XXXX XXXX, 2017, I sent XXXX ETH from XXXX to coinbase using the correct wallet identification given to me from coinbase. The transaction has been confirmed on XXXX many times, however, no pending transaction showed up like it should on my account and my XXXX never showed in my wallet. I waited a couple days to see if it would show up eventually to no avail. So I sent a support ticket in, waited 5 days and got no response, so I sent another ticket in. The next day, I got a generic response that did n't help my situation at all but said if I needed help further, I could email them back so I did and have n't received an email back yet. I have sent 5 more support tickets in since and have gotten no responses.
I took out 3 wire transfers to withdraw XXXX total ( XXXX each ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from Coinbase.com. Coinbase stated there could be a potential 2 to 3 day delay and was hoping to get the money sooner. 

It 's XX/XX/XXXX and my bank still has no records of ever receiving those funds. Coinbase should never have allowed wire transfers if their operations are so XXXX XXXX XXXX XXXX. 

To make matters worse Coinbase.com no longer offers any support related to wire transfers.
I am working with my servicer to get a loan modification. I fill out the forms that they require and send them to the address listed on the form. I send the documents priority mail with tracking from the post office to ensure receipt. 

I follow up with a phone call and get told that they do n't have them. Then I receive the documents returned as undeliverable with a forwarding stamp which is expired. 

The documents clearly state send to " Seterus Inc. XXXX XXXX XXXX, XXXX XXXX, MI XXXX '' I have included a screen shot dated and time stamped Wed XXXX XXXX, XXXX. The Seterus Rep said, " Oh we have n't used that address for months. '' as if I was a nincompoop for using this. And when I pointed out that this was the information that was currently on their website she seemed completely unconcerned with the misinformation and the potential consequences. and, of course, " Well your loan documents are now expired you have to start over. ''
Did not authorize an inquiry. Suspect attempted identity theft. XXXX, XXXX XXXX, XXXX XXXX, SD is the company that made the inquiry. Mi could not find a phone number for them.
I filed my application to change from the XXXX plan to the XXXX program in XXXX 2016. 
I made my payments under the XXXX plan for the following months : XXXX XXXX XXXX For XXXX 's payment, according to the regulations and my application, I received a forbearance until XXXX XXXX, 2016 ( one day prior to XXXX payment being due ). I paid the {$5.00} reduced, forbearance payment. 
I called last week to inquire what the status of the application was and how much my payment would be after the forbearance ended. The person with whom I spoke told me I was still under the standard repayment plan and I would not be in the new plan for another month, which is contrary to my application and the regulations. 
I am still in the dark about whether a payment is due for XXXX and what the amount will be. If no payment is due, I am now off another month from making a payment towards my XXXX XXXX XXXX XXXX. 
Please contact me as soon as possible to discuss this matter.
There are unauthorized charges to my debit card in excess of {$300.00} posted on XXXX/XXXX/2017. I went through all the proper channels to resolve this dispute as it is Bank of America 's statement that a customer is never responsible for unauthorized charges made to their bank card. My claim was denied THREE times. They sped through a myriad of reasons on why they denied my claim that are all based on speculative " evidence. '' I felt like I was being treated like a criminal when I 'm the victim of fraud. One reason for denial was that the signature was similar to the one signed on the fraudulent purchase. The only problem is that on the back of all their cards, it clearly states that the card is not valid or authorized until signed. As a result, ANYBODY can glance at the back and forge a signature so that evidence just throws itself out the window. Another reason for denial was that I did n't report it in a speedy manner. This one makes me cringe. As per Bank of America 's directions, they advise to wait till the bogus transaction posts, contact the company FIRST AND THEN contact the bank if there is no resolution ; I did just that in a timely fashion. So again, this denial reason is ludicrous. This joke of an investigation is criminal and so are the practices of this bank. They have denied my claims before and are rarely, if ever, on my side. But this time, I 've had enough being stepped on and bullied. The so-called investigators have Bank of America 's interest in mind and are n't concerned to whether or not there is actual PROOF, their job is to deny claims and save and generate money for the bank in a bureaucratic fashion. This is a conflict of interest. The letter that this bank has send me with their " proof '' is all speculative. And speculation never trumps real evidence. I BEGGED for video or photo evidence and was told they do n't do that. We are talking about a stadium that holds over 55,000 people and there is n't one camera around? So anybody can abuse my card, forge my signature and I have to pay for it? If I ca n't trust my bank to back me up, then who will? This is truly disturbing. I need help to rectify this situation please. No one can or wants to help me!
My XXXX account was hacked on XXXX/XXXX/2017, and a gold coin was purchased for {$680.00}. As soon as I noticed this activity on my account, I contacted the merchant the same day notifying them of a fraudulent purchase and asking them not to ship which they complied with. I also contacted my credit card company the same day who started an investigation, credited my account for {$680.00} and sent me a new card. A week later the merchant issued a refund in that amount. The bank then debited my account in that amount, to even out the balance. However two weeks later the bank debited my account again in that amount. I called to complain, and was given credit, which evened the balance. Then two weeks later the bank debited my account for a third time again. My account was credited 2 times but debited 3 times.
In XXXX of 2015, I receive a telephone call from Citibank to remind me that my student loan is a few days past due so I went online and made a payment. I recall the representative indicated that I should setup the automatic payment so I went to the website and downloaded the auto debit form and sent it in and thinking I 'm set and would not have to bother to login and pay it every month. In XXXX 2015, I received a letter from Citibank indicating that I 'm now XXXX days past due on my student loan and Citibank have reported the late to the XXXX credit bureaus. I scrambled to go online and immediately paid the balance due and request for a copy of my credit report. It in fact shows that my credit scores dropped almost XXXX points which I had from excellent down to good credit. I called Citibank to inquire why there was no emails, letter, or even a telephone call to indicate that I 'm past due on my student loan. XXXX rep told me oh " oh record indicate that we did not notify you '' and then transfer me to another rep when I asked to file a complaint. The XXXX rep said " yes, you were notify of the late '' and I asked him how was I notified. At first he could n't say and then said " we mailed you a letter. '' I have never received an email, a phone call, nor a letter in the mail which I 've often do as soon as my payment is even one day past the due date.
Debt collection for an old credit card debt, portfolio recovery associates has been harassing me with phone calls. I explained to them over a year ago I was very sick and was not working. I told them not to call me. Every time they call me I tell them I have repeatedly told them to not call me. They start yelling at me so I usually yell first now, tell them I have told them not to call me and I hang up. Sometimes they call up to 3 times in one day. Most of the time I ignore unknown phone numbers because of this one company, but recently I missed an important call because I didnt answer. I just want this company to stop calling me daily and harassing me. They can communicate with me via US mail if they wish.
I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is listed on my Trans Union,  XXXX and XXXX credit report and is fraudulent and unauthorized, and I did n't apply for the XXXX credit card account. The account do n't belong to me. It 's a fraudulent account.
Creditor : Capital One Bank Denied line of credit increase to account holder based on information reported and/or obtained by credit bureau reporting agencies. The information reported has caused an adverse action against me and I have not been provided the identifying agency information of the provider.
I paid my balance in full to reflect on my credit report through ADS XXXX XXXX XXXX , XXXX XXXXthe original creditor was XXXX XXXX orignal creditor acct # XXXX, when I went to apply for a home loan the mortgage company pulled my credit and it does not show as being paid in full and still shows a monthly payment and shows as delinquet and was not deleted as promised by the creditor upon payment. XXXX has already deleted this off of my credit report and I would like to request that XXXX and Transunion does the same.
Debt Collector never tried to reach my personal number and called me for the first time at my work place causing problems with my employer. The decision to call me at work first was clearly intimidatory.
We received a call today from a company called Local Data Recovery. My wife talked to a guy who immediately threatened her with wage garnishment, or tax penalties if she did not pay this debt in full immediately. He told her it was a credit card through XXXX that was signed off in XXXX. My wife did not recognize that she ever had a XXXX card, which he called hear a liar about. Eventually my wife got fed up with the threats and the accusations, and just hung up. 

He eventually called back again and left a very insulting and abusive message about its going to court and we were going to get our wages garnished over it. Oh, but he was just trying to help? I had my wife call back and I then talked to both the guy and then his superior, which was supposedly an attorney? By talking to her I find it very hard to believe? She was just as bad as him and would not listen to us. At this point we still could not remember having a XXXX card because we do not shop there. She then said it was through XXXX and was just a XXXX card that could be used anywhere. I asked if she would please send us paper copies of the debt and account numbers? She refused and said they could only email it. My wife asked the same thing previously and they declined as well. 

In the process of talking to her she said that XXXX signed off on the card in XX/XX/XXXX. Later on when I said that the XXXX in Indiana is 6 years, she then changed it and said they signed off on it in XXXX. She was looking at the wrong account, which was a lie. The guy gave the same date to my wife previously, even giving her S.S. # and birthdate. So I know they were looking at the right info. As I was talking with this attorney my wife found an old XXXX account we did have through XXXX that was bought out by another collection agency Velocity who we paid off with in XXXX. We even have a letter from the agency stating that the account was paid in full. 

So, we have no idea how they got the info or why this has come up? We have dealt with creditors before and they were nothing like this even when legit. These people were awful and dishonest. They made my wife get very upset and distressed over something we had handled a few years back. I have read about the strong-arm tactics of this outfit and their bad reputation, but this has pushed me to the brink of taking legal action against them. Can you help us please? 

Sincerely, XXXX XXXX XXXX
My complaint is with Transunion. 
They have been informed several times that the negative items on my report from : XXXX And XXXX / XXXX XXXX / $ XXXX XXXX / XXXX XXXX / $ XXXX debts they bought from : XXXX XXXX that XXXX XXXX bought from : XXXX, Way back in XXXX & XXXX. 
I WON the Litigation AGAINST XXXX in XXXX XXXX, California with many others!! 
There for there insisting in buying and selling these debts and destroying my credit, any year they choose " to continue doing, '' '' since '', is unethical, dishonest, slanderess, and actions of CROOKS!!! 
Why Transunion keeps allowing this/ " even when " this is NOT the FIRST TIME they ARE TOLD is beyond any thing honest!, or, Responsible for the PHONY INTEGRITY they pretend to up-hold. If they DID their JOB, this would n't be happening. 
The same thing goes for the public record : XXXX XXXX / XXXX XXXX 's from XXXX XXXX Aquisitions as well!!!
Back in XXXX of 2016 my CC exp. And i was not issued a replacement card. For three months i called and requested a new card, but XXXX was never received. I continued to express my frustration ; while paying my bill. During the fourth month, i stopped payment and requested the card once again. At that time i was told that a card was not going to be issued, due to me having a late payment. Taking it up the chain and once again expressing my frustration with not being able to make purchases due to me not having the card. I was told nothing could be done for me. At this point i closed the card. After that ive been hit with a lot of fees. Ive tried to resolve the issue and i keep getting told that they ca n't help. The acct has hit collections, but in no way do i feel like im responsible for the balance that im being told. Im greatful for your assistance. Thanks in advance.
I submitted an online dispute with equifax on XXXX/XXXX/XXXX for erroneous information on my credit report. The confirmation # is XXXX. It was says the completion date is XXXX and the results are N/A, but it also says the items are currently under investigation. You should receive the results of our investigation soon. I contacted them and was told that the investigation has not been completed and the results will be available soon. It has been past the 30 days and it says completed.
XXXX account number XXXX this account is out of date its past the original it can be reported check the first date is was past due it has a XXXX bal and needs to be removed
Bank of America refused to deposit a properly endorsed check into my checking account. 
My insurance company, XXXX XXXX, issued a check for a personal property loss due to a fire. The check is made payable to XXXX XXXX XXXX, my public adjustor ; my husband and myself. We have all properly endorsed the check. On XXXX/XXXX/XXXX, my husband attempted to deposit the check into a personal checking account in both our names. The Bank of America branch is at XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX ; phone : XXXX. XXXX XXXX, who identified herself as a Manager, refused to deposit the check. The check is a properly endorsed negotiable instrument. The check is drawn on a Bank of America account and being deposited into a Bank of America account. If Bank of America will not accept this check for deposit, how can I negotiate the check? 
NOTE : I have no problem with the bank accepting the check for deposit and placing a hold on the funds. Bank of America accepted deposits on three other occasions with the same payor, same payee, same endorsement. Deposits were made XXXX/XXXX/XXXX for {$92000.00} ; XXXX/XXXX/XXXX for {$19000.00} ; XXXX/XXXX/XXXX for {$2500.00}. 
I would appreciate any help you can give me in this matter. Thank you.
Nationstar has consistently made errors in calculating my Gross Income. That is especially true for Social Security Income in all 6 of my applications for a modification. The last application for a HAMP 2 loan on XX/XX/XXXX shows that Nationstar 's computation resulted in $ XXXX/mo. less Gross Income needed for a HAMP 2 approval. and resulted in a HAMP 1 approval at a monthly payment of $ XXXX/PITI mo. instead of close to $ XXXX/mo.PI. They also had a value assigned to the property of {$140000.00}, as opposed to the XX/XX/XXXX certified appraisal of {$120000.00} or the last value of {$120000.00} assigned by Nationstar on XX/XX/XXXX. This was corrected on a review of the application on XX/XX/XXXX to reflect a change in forbearance form XXXX to {$51000.00} because of the 115 % rule. However, the monthly payment remained the same for 271 months as opposed to the use of 480 months, and the Social Security calculation was not corrected to result in an approval for the HAMP 2 modification.
Navient Solutions claims to have paid XXXX for student loans in XX/XX/XXXX-XX/XX/XXXX. My records indicate that XXXX Consolidated loans from XXXX and XXXX which coincides with my records. XXXX has buying the loans from Navient Solutions. I did not receive a XXXX from this company for the tax years they claim
I have also made several attempts to have my name updated on my credit files, but have not been successful. Please see my license an SS card in the attached documents. I would like my name to be updated to XXXX XXXX.
This complaint is in reference to a change in status of charge off, date and the amount for Capital One Card. 
The account was charged off in XX/XX/XXXX in the amount {$1900.00}. 
( See XXXX ) XXXX XXXX/XXXX/XXXX Capital One flagged this account on my credit report as a Charge Off as bad debt and reported the amount of {$2400.00}. Changing the date of the charge off and the amount. I have received no statements after this account was charge off. 
( See XXXX, XXXX and Cap XXXX ) I have disputed through the CRA as furnisher is providing inaccurate information to CRA 's. Capital One continues to report it wrong and ignores the disputes
XX/XX/2018 I went to Best Chrevloet with my pre-approval from XXXX XXXX. I informed the salesman XXXX that i did not want my credit pulled to other lenders because of my existing offer with XXXX XXXX. I wrote on my credit application, I only authorize for XXXX XXXX. XXXX XXXX a finance manager at the dealership sent my credit report to multiple dealers. I spoke with the salesman and the finance manager which both of them acted as if they knew nothing about it. I need the inquiries to XXXX XXXX, XXXX, and XXXX XXXX deleted from my report. I am livid that they misused my credit application for their own benefit.
I have a loan with Carrington Mortgage. On XX/XX/XXXX I made my payment for the XX/XX/XXXX pmt. Carrington Mortgage held my funds in suspense for over 20 days not applying ti to the regular monthly mortgage payment on my acct which is current. As a result a Notice of Intent to foreclose was sent as well as billing statements threanting to foreclose. However my account was current and has always been current. If they would have applied by funds on XX/XX/XXXX to my XX/XX/XXXX payment no notice of intents or bad billing statements would have been sent. This week on XX/XX/2015 they sent me a letter however it failed to mention why they were holding my funds, it didn't address the notice of intent or billing statements.

On numerous recorded calls Carrington Mortgage attempted to collect on the payment they were holding in suspense. Then after realzing they were holding the funds they simply would say "I dont know what happened and why they were holding my payment in suspense".  Its not right for them to put me thru this as this is my kids home and its simple you cannot attempt to collect on a debt thats not owed and my XX/XX/2015 was not owed as they had it applied to my suspnese account. Additionally they said they cant help the fact that the notice of intent was sent as it was system generated. if thats the case How many other customers are being affected by their inadequate processes and procedures? Very concerning and I beleive they owe me for what they put me and my family thru.
I have been in REPAYE ( or something similar for years ). The last two years, Great Lakes Borrowing service has failed to re-enroll me timely in those programs. This despite me providing all necessary information ahead of any deadline ( this year, it waXXXX XXXX XXXX 2017 ).
This year, on or about XXXX XXXX, 2017, I provided my wife 's changed income as well as notice that she would no longer be employed in XX/XX/XXXX. I did this in order to complete my renewal request. At the request of Great lakes, on or around XXXX XXXX, 2017, I provided more documentation to support my income. They confirmed receipt of this documentation, which I also uploaded to their website. Despite my timely application and submission of documentation as requested, Great Lakes is now telling me over 2600 per month is due ; well beyond what should be due under the REPAYE program ( and significantly higher than the 400 or so dollars i was required to pay last year, when making MORE money. Again, my wife is no longer working AND we are also expecting a child / another dependent ). Great Lakes has caused anxiety and distress due to their poor handling of my debt and debt issue. I would like any and all information regarding recourse available please. May i file suit through the CFPB? NOTE 1 : having to put my loans in forbearance costs me money. and I believe I also lose the forbearance option after so much time. Concerning, if I really needed it.
NOTE 2 : Last year, on or around XX/XX/XXXXor XX/XX/XXXX 2017, the same issue occurred.
Comenity Bank, representing Victoria Secret, has called me SEVEN times a day, EVERY day, for the past week ( XX/XX/XXXX-XX/XX/XXXX ) from an UNKNOWN number. I am past due on a payment, but my account indicates a new minimum payment due - including the past due payment and late fee - on the next billing cycle ( XX/XX/XXXX ).
I told them when they first started calling, 5 days after my payment, that I was not able to make the past due payment until my next payday and that I will make sure the account is paid up to date by the current due date. I advised them to not call back regarding this payment, unless XX/XX/XXXX passes and they have still not received payment.
That stopped the calling for a day, and then it continued. They call a minimum of 7 times a day between XXXX and XXXX.