WillisBack/dataset-financial-user-claim huggingface dataset:
I received a high interest rate loan from XXXX After receiving the funds, I came across the origination fee on the documents sent to me that were in the same amount as the loan. Loan amount approx. {$4600.00}. and origination fee approximately {$5000.00} I contacted the company immediately regarding the fee and the responded that the removed half the the fee. I replied via email Thank you. 
After that email, I was waiting for correspondence from them for payment. I wasn't sure if it changed the amount of the monthly installment or not. 
Previously when I had a loan with this company, they'd either call or text me as a reminder for the payment. 
I received nothing from them via mail, email, phone or text since the reduction for origination fee via email. 
All of a sudden, I go to get a new car and my credit is hit with a charge off from the company in the amount of the loan causing my score to plummet and making it nearly impossible for me to get financed. I ended up with getting a horrible rate due to this scenario.. 
I contact the company and they agreed that there was no proper notice provided to me prior to the credit reporting. No calls from collection or correspondence via mail. I asked why not and they said because it was in a certain department regarding the previous issue. 
Now, they tell me they didn't need to notify me to remind me of payment or to inform me of past due balances and monies due prior to charging off the debt greatly effecting my credit. 
This just doesn't seem accurate to me. Is this true of a high interest rate loan company?
I have been applying for a mortgage through US Bank. I use a local bank and they sell their loans to US Bank. The Underwriting team at US Bank has been completely unprofessional throughout the process. Whenever they have requested documents I have provided them in a timely manner. After that happens the underwriting team changes what they need. They have been unavailable for any discussion and continually put my loan request at the back of the pile with no regard for my scheduled closing date. My closing was scheduled for last Thursday at XXXX. At XXXX that day, obviously 4 hours prior to closing, US Bank made up a new issue that prevented me from closing. I immediately took care of that issue, and yet we are now a full week since that time and the Underwriter is showing no urgency at getting back to my file. I am sitting and waiting. I feel that this is an unacceptable way to treat a customer, and simply an unacceptable way to treat a human. When I have tried to resolve the matter with US Bank they tell me that they can not help me without a loan number, but my issue is the failure from US Bank at processing my loan request so I can not provide a loan number. It also takes a full week for US Bank to respond asking me for my loan number on a complaint involving them not finalizing my loan. I wish I had a loan number, if that were the case I would not have a complaint. I would like US Bank to treat me as a valued human being and resolve my issue.
I've tried to save my home I'm afraid since Chase denied me I may become homeless I need assistance working with Chase
As a condition of our marriage dissolution my ex-husband was supposed to file our taxes for 2008. He failed to file State taxes & ignored multiple certified letters notifying him of the debt liability, and then the tax lien being placed on us. I no longer resided at that address so I did not receive notification of the lien until it hit my credit report. I contacted the creditor, arranged payment, and made sure the debt was paid, paying the lion-share of the debt. The lien has since been released, but Equifax says it will show on my credit report as a released tax lien for up to 10 years. I want the tax lien information completely removed from my credit report. When I learned of the tax debt, I actively took steps to pay it off, contacting bill collectors and paying what my ex-husband failed to pay. Although it appears as 'released, ' this tax lien threatens to stifle my ability to gain credit, making it even more difficult as a divorced woman to establish myself financially after my divorce. Why must responsible people be made to suffer? Have n't I suffered enough?
I took out my XXXX XXXX loan in order to go to college. I was told when I signed up that I would get the best customer service. However, ever since I have graduated in XX/XX/XXXX, I have had nothing but trouble from them. They immediately came after me for {$550.00} a month. I was able to get my account placed on a Graduate  payment plan, but once it ended, I still was struggling to make payments as a recent graduate. When I contacted them, in XX/XX/XXXX and requested assistance in the form of refinancing due to an increase in my credit score, they refused and instead they placed me on an interest only repayment plan for {$300.00} a month, despite the fact that my cosigner had amazing credit. After that, they would make disrespectful, harassing and occasionally threatening calls to myself and my cosigner, who was in the hospital during one of  these calls. While I understand that they are a business, these calls came when I was only two days late in payment, and when I had already called XXXX XXXX and informed them that I was waiting on a paycheck and then they would get their money. At one point, the person I spoke with talked down to me and told me that until I " learned to pay on time, I would continue getting the calls. '' Again, this would occur when I was only two to five days behind in payment on a {$300.00} dollar payment as a recent graduate. I have never been more than 28 days past due, and every time I have been past due has been due to some reason I can't control and that XXXX XXXX refuses to work with me on. Now, after a year of these " interest only payments '', my repayment plan is almost up and at the beginning of this year, my balance went up {$8000.00} and they expect me to begin paying them {$550.00} a month come XX/XX/XXXXXXXX. Every time I request some form of help due to being unable to handle the bill and support myself, they refused. I have no issues paying my bills, I am an accountant and I know bills must be paid. However, there is absolutely no reason that XXXX XXXX should be this inconsiderate and all together disrespectful towards their clients.
In XXXX 2017 I contacted XXXX XXXX about their reporting on an auto loan that was included in my bankruptcy. They told me that they had reported it to XXXX and Transunion as Chapter XXXX  bankruptcy. XXXX 's response to the creditor was because of a lawsuit that the discharge paper work that was sent to them ( creditor ) from the court was not sufficient enough and that I would have to personally provide them with the the schedule of the items I included in the bankruptcy to them ( XXXX ). When did this new practice come into play that the discharge paperwork that was sent to to creditor from the courts was n't sufficient enough? When did the policy change when a credit submits information to the bureaus to update account information they choose not to? I have contacted XXXX personally and they told me I would have to either provide a copy of all my paperwork I filed to the courts almost 3 years ago for their review. I ', m not going to submit my personal information to them especially with the situation that just happend at XXXX. Transunion has reponded that the creditor has verified they are reporting correctly which is untrue. XXXX and TransUnion are giving me a hard time as well as the creditor. I stated to both bureaus if they are not able to report correctly they need to remove from my report which they have not done. They are in violation of my consumer right and I need the CFPB to step in and help.
I had a XXXX through their partnership with XXXX XXXX. XX/XX/2016, they mailed me saying they were ending their partnership with XXXX XXXX. I had no desire to continue my XXXX and since they no longer had a credit card to charge I assumed that would be the end of it. 
However, in XX/XX/2016, I received a billing statement from a Citi Visa card I had never signed up for or activated. The statement was for a {$110.00} membership renewal fee on XXXX. Costco had taken out a card in my name, without my consent and charged me for another year 's membership on it. Unfortunately, my wife saw the bill and paid it before checking if I had ever signed up for the card. 
I called Citi Visa to ask them to reverse the fee and they refused, claiming the account was valid even though I had never given consent to create the line of credit. They also stated that this was a transfer of an existing debt, even though the statement lists it as a purchase and I had no existing debt. When I asked for the address to send a formal letter to request the charge be reversed, they first refused and then disconnected the call when I insisted. After redialing, I was able to get the address and issued a written request to have the charge reversed on XX/XX/2016.
Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone They call at all hours, including early morning and late at night. This debt is over 8 years old and no longer reported to consumer credit. I also received a notice from the debt collection company saying they would continue to try to collect the debt even though they could not sue me. The original debt was {$500.00}. With all of the fees it is now up to {$1600.00}. I am currently on unemployment, live in a rural area and am unable to pay this debt. The debt was incurred when my husband was passing of XXXX XXXX and it was used to help with expenses. In 2008 I lost my XXXX position due to cut backs and have had a difficult time financially since.
JPMorgan Chase bank closed my Non-profit Business account on Friday, XX/XX/2018, without any warning and reason. The balance in the account was over {$22000.00}. On Monday, XX/XX/2018, JPMorgan Chase closed a Joint account with my spouse, XXXX XXXX , again without warning or reason. The balance was {$2200.00}. This action by Chase caused returned checks and fees to vendors, changing all financials to our new bank and humiliation to account holders.
XXXX XXXX continues to report that I owe {$8900.00} to XXXX. This is not my account and I do not owe this account. I have disputed this information several times. This company is violation the Fair Credit Reporting act and I am entitled to a fair and accurate credit report,
I filed a complaint with you against Pressler & Pressler and sent documentation of the paid debt to you. They were still allowed to take money out of my bank account and place holds on my motor vehicle registration until I paid the amount they listed. After seeing your action dated today I am wondering if I will receive any of the money taken from me. I also have an additional complaint ( # XXXX, XXXX XXXX XXXX ) with you that I have not received any response from. I am concerned that the penalties received are not being given to the people wrongfully strong armed into paying and not receiving the money back. Please reply.
My daughter, XXXX, and her friend, XXXX, found a lady named XXXX XXXX ( not her real name we found out later ) who had a house listed for rent on XXXX. They wanted to rent the house that XXXX had listed at XXXX XXXX XXXX, XXXX, WA. My daughter and her friend sent an application to XXXX and she told them that they were approved. All they needed to do was deposit {$1200.00} into her daughters account, because apparently it was her daughter, XXXX, who normally handled the rental. XXXX gave them the information for the account. Here it is : Bank : Wells Fargo Daughters Name : XXXX XXXX Account # : XXXX XXXX & XXXX went to the Wells Fargo, XXXX, WA branch on XXXX and deposited {$1200.00} into the account on XX/XX/2018 at XXXX. Transaction # : XXXX. Later that same night, they stopped by my place to tell me about the place they thought they had just rented. I told them right away that I didnt like the whole situation and was worried it could be a scam. So, first thing the next morning, I started looking into all the information that XXXX & XXXX gave me and decided that they needed to call the police right away. XXXX called the police and found out that they were definitely scammed and was given a police report #. ( Report # XXXX XXXX Police Department ) XXXX informed her mother of what had happened and her mother got on the phone right away and spoke with the Wells Fargo branch manager on XXXX where XXXX and XXXX had deposited the money. She explained to the branch manager what had happened and gave her the police report #. The branch manager stated that the XXXX Police Department never does anything and informed XXXX mother that the money was still in the account and that she was going to put a freeze on the account. The branch manager called XXXX mother back that same day and told her that they would get their money back but she wasnt sure when, so she would call her daughter, XXXX, within a couple of days and let her know more. That was Friday, XX/XX/2018. XXXX called me very worried on XX/XX/XXXX because the branch manager hadnt called her back. I told her not to worry because it was XXXX XXXX and they were most likely closed. XXXX waited through Tuesday and still never got a call back. On Wednesday, XX/XX/XXXX, XXXX called the branch manager back, who apparently then called the fraud department, and XXXX from the fraud department called and talked with XXXX and told her that the account was never frozen and that the scammer had pulled the money out over the weekend and closed the account and that they wouldnt be helping her any further.
On XXXX XXXXI purchased a XXXX XXXX from XXXX XXXX in which Santander financed ... I made payments of {$300.00} each month thereafter ... XXXX XXXX I traded the XXXX XXXX for a new XXXX XXXX ... a few days afterwards I received a XXXX from Santander. I was confused as to why I was receiving this so I contacted Santander. I was referred to several departments and after finally talking to someone I was told they would have to research it and get back with me in 7 days ... .after 7 days I never heard from anyone so I contacted Santander again only to be told that it was an issue that needed to be handled by the IRS ???? I feel like I am being given the run around ... .according to the XXXX the event took place XXXX/XXXX/XXXX for XXXX ... the only thing happened in XXXX was my normal monthly car payment. I feel like Santander submitting false information to cover their company. The VIN listed ( XXXX ) is referencing a car different from the car I financed with Santander ( XXXX ) is the VIN for the car I have been making monthly payments on for the last year ... I ca n't understand why I am penalized for making payments. I am a victim of fraud. I really believe this company should be investigated to see if they have been giving others XXXX to cover their financials.
On XX/XX/XXXX I used XXXX to send a payment of {$120.00} for tickets. Unfortunately, the " verified account '' was fraudulent - using someone else 's name and photo which they stole from the internet. I immediately reported to XXXX  that I had sent payment for tickets to the " verified user '' and that they did not send tickets in return. XXXX   customer service informed me that XXXX  does not protect users from this type of scam, but encouraged me that they would likely be able to get my money back from the fraudulent account. I also asked if I should use stop payment from my bank, and they advised me not to because it would stop payment to XXXX, but the fraudulent account had already been sent the money so they would need to get it back from them. They again advised me that I would likely get my {$120.00} back, they just needed to go through their process. The next day. On XX/XX/XXXX, I received an email from XXXX  stating " It appears that person you were transacting with did not fulfill their end of the transaction. At this point, XXXX  does not allow peer to peer merchant related transactions and we do not offer any buyer or seller protections in these types of cases. These violations of our User Agreement are very high risk and can result in problems for our users. Please remember that XXXX is a simple way for friends and people who trust each other to send money, and it is not designed for uses beyond this purpose. When transacting with people whom you don't know or trust there is always the potential for problems to arise. '' I called XXXX and they stated they would not be helping to get my money back despite acknowledging that the person did not fulfill their transaction. '' A week later, on XX/XX/XXXX, the fraudulent account was still active in XXXX, likely continuing to take advantage of other people and steal their money using XXXX. I was able to track down the work phone number and email address of the person who's photo and name were being used by this fraudulent account. I sent that information to XXXX, filed a police report, and contacted the person who's identity was being used by this " verified user. '' Only after the person who's identity was being used called XXXX and I sent XXXX   information of my police report and the information showing that the account was fraudulent, did XXXX finally, on XX/XX/XXXX, send me an email that the fraudulent account that stole {$120.00} from me was frozen. 

XXXX has still refused to get my money back from this person. I had to file a complaint with my bank who is helping to get my money back from XXXX. XXXX  has since frozen my account and sent an email that I " owe them {$120.00}. '' This has been a terrible experience and XXXX has been completely unhelpful as they've allowed someone to scam me and continue to use their platform to scam others. Completely unacceptable business practice and terrible customer service.
I purchased a pair of headphones for XXXX $ I received a message that the item was out of stock and i would receive a refund in 10 to 21 days.I waited the days out and went to the domain of the page and it was compleatly deleted.No refund and no item.The business name was, XXXX.A provider on XXXX.
In a letter dated XX/XX/2018, I was informed by Capital One that they had changed my credit limit from {$20000.00} to {$10000.00}. The specific reasons for this change were : Current account not used enough for assigned credit limit and Balance on non-Capital One revolving trade are too low. I was not given a contact to reach to dispute what they had done, but I was informed that if I had any questions about the effect on my credit score they encouraged me to consult XXXX  at  capitalone.com I was totally unaware that I was required to use my credit card at any particular balance amount to keep my current limit or that I was required to carry debit balances of any particular amount with non-Capital one revolving trade to maintain my {$20000.00} credit limit. 

My XXXXedit score as of XX/XX/XXXX, was XXXX. I am fully aware that a 50 % drop in my credit limit will negatively impact my score. What other credit card company or lender will want my business with this kind of drop reported on my credit record? Am I now at the mercy of Capital One and this non-negotiable decision? 

Consumers are repeatedly told to stay well below the limit on their credit cards and to pay off balances monthly. I had no idea I would be penalized for doing this. Capital One, of course, did not mention a reduction in the current interest rate they are charging me-just a drop in the limit. Is there some finite amount that they draw from? Are they giving the {$10000.00} credit limit they took away from me to someone else? 

I have no way of predicting the future, but I did not ask them to drop my credit limit by 50 %. What negative impact does my having this limit have on their business? It gave me piece of mind to know that it was there should I need it. After 20+ years of having a Capital One card to be treated in this manner seems totally arbitrary. I have no idea if such a practice is legal ; that is why I am coming to you. I do know the public needs to be told in a straight-forward manner that staying below their limit and paying off balances in a timely manner will negatively impact their credit score.
Re : CareCredit On XX/XX/XXXX, I had dental work done, and my dentist suggested opening a CareCredit account, since there was " no interest, and I might as well pay off my dental work slowly, with no interest. '' So I opened a CareCredit account at my dentist 's office at that time. My original debt was {$2500.00}. 

I set up my CareCredit account for automatic payments from my checking account, and didn't think about it, because I knew there was no interest. 

Approximately a month ago, I looked at the balance remaining to be paid on my CareCredit, and was surprised how high my balance was ( {$1500.00} ), considering how long I'd been paying this loan. 

I emailed CareCredit asking for detailed information on my loan. A few weeks later, I received statements in the mail for the past year ( 2017 ). This is when I realized I had been paying 26.99 % interest on this loan, for the past four and a half years! ( I learned later I actually paid interest for three and a half years. ) I called CareCredit today and spoke with Customer Service agent, XXXX. I explained the situation to him. He was " sorry for the inconvenience. '' I asked specifics of my loan. The original balance on CareCredit was initiated XX/XX/XXXX for {$2500.00}. Apparently, on XX/XX/XXXX, the promotional period ended and I began paying 26.99 % interest! The interest I've paid since XX/XX/XXXX ( {$2500.00} ) is more than the amount of my original loan! 

I paid the balance off today, and closed my CareCredit account. 

In XX/XX/XXXX, CFPB ordered CareCredit to refund {$34.00} million for deceptive Health-Care Credit Card enrollment. The CFPB investigation discovered 1 ) Deceptive Enrollment processes ( " service provider misled consumer '' ), and, 2 ) Inadequate disclosures ( I did not " receive copies of the actual CareCredit agreement, and instead had to rely on the office staff 's oral explanation. '' ) I was a victim of both of the above, however, wasn't notified of a settlement, and wasn't reimbursed. 

There was an enforcement action that was ordered to CareCredit. That enforcement action included : " New disclosers to consumers will include improved descriptions of the deferred-interest product, and CONSUMERS WILL BE WARNED IN ADVANCE WHEN THE PROMOTIONAL PERIOD IS ENDING. '' I was not warned or notified! Therefore I unknowingly and deceptively, began to pay 26.99 % interest for three and a half years.

Total interest I've unknowingly paid ( until now ) is {$2500.00}. CareCredit did not abide by CFPB enforcement orders for full discloser given to them on XX/XX/XXXX. Therefore, I want to file a claim to CareCredit, through CFPB, to be reimbursed the full amount of interest I've paid to CareCredit, {$2500.00}.
On XX/XX/XXXX XXXX XXXX sent us a notification of Mortgage transfer to Nationstar Mortgage LLC. As of XX/XX/XXXX, we have still not received any notices or mail from our new Loan servicer.
Hello, I Am XXXX XXXX. I Am Trying To Clean Up My Credit Report. I Had Rented An Apartment, I Think In XX/XX/2014 At XXXX XXXX Of XXXX. I Paid My First Months Rent & Deposit, Shortly In Two Weeks I Was Unable To XXXX  For One Month Due To XXXX XXXX XXXX XXXX XXXX XXXX. I Had To XXXX  For Month Without Working & Had No Money. I Explained To The Apt Manager My Condition. I Immediately Had To Sell Everything I Owned and Move Out. I Was Issued A Bill For {$1400.00}. This Bill Isnt Even Close To What My Rent Bill Was. Please Erase My Name and Debt Off Of My Credit. I Have Been Homeless Since That Day! 

Thank You