WillisBack/dataset-financial-user-claim huggingface dataset:
I had a business account with PNC Bank, It was unlimited free balance with a condition that they mail me my statements. Last year, they stopped mailing my statements and began to charge me a fee ( approximately {$4.00} a month ) on my account. I was in XXXX XXXX, XXXX and spoke with the manager. He restored the fees and resumed the mailings of my statement. Earlier this year, they stopped sending me my statements thru the mail and in XXXX they started charging me a fee of {$17.00} per month. Since I was out of town, I did n't notice this till XX/XX/XXXX. I went and spoke with the manager of the XXXX, XXXX branch and she told me that she was going to try to get my money back. A couple of days later, she told me that she could n't get my money back but was going to talk to her Supervisor about my situation and that person would call me in a couple of days. I never received the call and returned to her branch. That 's when she told me that she could not return my funds, so I closed my account.
For the last 10 years I've had my Federal student loan serviced by XXXX. Never did I have any issues with them. 

Last month they switched over to American Education Services or AES. 

AES sent me 1 letter saying the loan was going to switch to their company and that I shouldn't have to do anything additionally. 

I have automatic payments applied to this loan. {$240.00} comes out of my bank account on the XXXX of every month. AES took over my loan beginning of XX/XX/XXXX and they took out {$240.00} on XX/XX/XXXX as they should have. 

Then I noticed another charge of {$240.00} come out of my account on XX/XX/XXXX. There was no authorization and no notice of an addition payment to be made, it was very quietly taken from my account. 

After contacting AES they said there must have been an accounting issue on their end and it would take 7-10 business days to refund that payment. 

I contacted my bank to refund that payment immediately and was hoping to be done with the ordeal. Then, yesterday, XX/XX/XXXX I received an email from AES saying my account was delinquent and I owed them {$490.00} on my account. 

I contacted them immediately and asked them why they are requesting a double payment after having taken out my regular payment on XX/XX/XXXX. They claimed to have refunded both my XX/XX/XXXX payment ( which had already been paid ) plus the mistake they made on XX/XX/XXXX. 

Because of their mistake my account is now considered " delinquent '' which I've never had for the entire 10+ years of my loan. Not only do I have to make sure I have those funds corrected in my account but I have to hope my XX/XX/XXXX auto payment is taken out correctly and a double payment is not charged again. 

I did not want my loans to transfer to another company in the first place and I'm very disappointed with AES and their accounting practices, intentional or not. 

If these issues continue to occur I think American Education Services should be investigated for predatory practices.
Lexington Law pr omised me they will help me to repair my  credit score and I  paid them more than {$1000.00} and I am still a point zero. They did do anything for the last 12 months.   XXXX  They also took money out of my checking account without my consent.   XXXX  How can I have my money back please? I did not and will not sign anything with them. They do not stop to call me and trying to make me sign an online agreement which I do not want to do.   I just want my money back!   XXXX  Can you help?
This dispute is in reference to a XXXX account, that I had know idea had a lingering balance. I just received a letter from XXXX XXXX XXXX. This debt originated in XX/XX/XXXX, per the correspondence that was received. Apparently, there were fees charged unbeknownst to me when I transitioned to a different company. It has been over 6 years, beyond the allowable timeframe to collect on this account. For the last 6 years, I never received any correspondence regarding this account. I just received a statement this month, XX/XX/XXXX, over 6 years later demanding payment of {$890.00}. This item also never showed up on my credit report, and still has not, so I had no way of knowing of this obligation up until now. Although, they are not reporting, I want to be proactive before they do and it results in yet another ding to my credit. I have attached a statement for your reference.
Seven years ago, I contacted CCO mortgage to re-financed my XXXX mortgage when my personal business sales started to decline. However, after four years and multiple denials for re-financing, in early 2011, I reached a point that I could no longer pay either my XXXX or XXXX mortgages in full. I then applied for a loan modification, and was turned down yet again by CCO. In XXXX 2011, with the help of XXXX ( XXXX ), I successfully obtained a loan modification on my XXXX mortgage, so I immediately contacted CCO to request their assistance to modify my XXXX mortgage since my XXXX mortgage had been modified. CCO told me they could not modify the loan because they had made a decision to charge it off, and the mortgage was no longer active and unavailable for modification ; however, they still expected to receive payment of the loan. CCO said the charge-off would be reported only once to the credit bureaus and that it would not be a recurring delinquent report, but I would have to make provisions for me to re-pay the loan without interest under a new payment agreement. I met with a CCO Mortgage representative, and made a new agreement for a monthly re-payment amount, and began making payments to them. However, the recurring negative reports started immediately and when I disputed them, they not only refused to discontinue the negative them, but also added a cumulative delinquent amount, and information that implied that the loan still active ( when they told me it had been closed out ), but that I was " X amount '' delinquent in my payments, and that amount increased each month. So, I am now in a position, when I 'm repaying a loan under a new agreement, but it 's being reported delinquent under my old mortgage loan number. CCO apparently is trying to destroy my personal credit on an on-going basis, but it 's also destroying my ability to obtain business credit where I have to be personal guarantor. In fact, XXXX XXXX XXXX closed XXXX of my business credit card accounts after reading the negative information that CCO 's derogatory reporting.
on XX/XX/2018 my checking & savings account was closed for unexplained reasons in which i was told would be mailed to me i've never had any problems with my account & i dont understand why this has happened not to mention this is very inconvenience to me i feel that if your going to close someones account please have a very good reason for why your doing so if there were suspicious activity then i shouldve been notified during the time it happened this is very unprofessional i feel like im being targeted for some unknown reason
XXXX   XXXX   XXXX   XXXX   XXXX  Synchrony Bank will not post my correct balance and payment history to the  XXXX  reporting agencies   XXXX   XXXX   and  XXXX      they keep reporting I have maxed out my card and not show my correct balance I was forced to pay off my account and close my account I need for them to post my good payment history and my balance paid off and closed
Allied C ollection Servic Opened  XXXX   XXXX ,  XXXX  {$170.00} Original creditor :  XXXX    XXXX   XXXX   I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of  XXXX   XXXX .
Senex Services is re porting a false medical debt on my name on behalf of  XXXX   XXXX  hospital. I have disputed this debt with  Senex Services nu merous of times and a bill was sent to me without any details as to what services were rendered nor was any contractual agreement with my signature on it was ever sent to me. I contacted  XXXX   XXXX  and was told to speak with someone from Senex Services after explaining to them that I had already disputed this with Senex but was told that there was n't anything they can do.  <P/> I want to make it clear that THIS IS NOT MY DEBT. I did not attend  XXXX   XXXX  hospital for treatment for any reason whatsoever. Furthermore, this false debt is affecting  my credit score and  is making me appear more risky to creditors and lenders. I have a stellar payment history with credit cards and installment loans on my report. this is the ONLY negative information on my credit report and quite frankly, it has and still is ruining my quality of life.  <P/> At this point, I am respectfully requesting t hat Senex Services rem ove this false debt from my credit report effective immediately. Please be advised that this is my third and last request for removal. I have tried to resolve this matter amicably but to no avail.
This debt is not mine.. I do not have any recollection of this debt nor have I ordered from these people this needs to be deleted immediately.
Got a message alert that my phone number had been changed that if I had not done to contact them ASAP with their contact number. Logged into my account my phone number was still the same but noticed my account had been closed and another one opened so I contacted them at the number provided and they could not help me with the new account gave me another number I 'd have to call M-F. They did check my phone number and said it had not been changed. This being WELLS FARGO at their best again switching accounts on you possibly and no notice to the customer as to what is going on. They need to be stopped from this kind of activity. Will try to call the other number this week
Hi, NATIONSTAR MORTGAGE, LLC is violating my    California Home Owners   Bill  of Rights and are making fraudulent foreclosure sale on my property. I have been approved for a loan modification with NATIONSTAR MORTGAGE,  LLC  and have paid them for the Loan Modification Trial Period Payments and they are still placing my home under foreclosure sale scheduled for  XXXX /2017.   After a couple years of working and trying to get a loan modification finally Nationstar Mortgage approved me for a Trial Period Payment Plan. We were very happy to finally see a Trial Period Plan and we were happy to move forward. Our First payment had to be made on     XXXX   XXXX   2017 . I  agreed to the Trial Period Payments and sent out my first payment of {$1400.00} to Nationstar Mortgage on    XXXX   XXXX  , 2017  and was delivered on    XXXX   XXXX    , 2017   which  they accepted and everything was ok. Next month I sent out the second Trial Period Payment of {$1400.00} to Nationstar Mortgage on    XXXX   XXXX  , 2017    and was delivered on     XXXX   XXXX  , 2017     which they accepted and everything was ok as well. But after making those  two  payments I received letter in the mail saying that my   Loan Modification   was denied due to not making the Trial Period Payments. How can this be that after making  two pa yments which they cashed they now are saying that I did not make any payments? I have proof of these payments and now they have placed my home for sale on foreclosure auction set for     XXXX   XXXX  , 2017     (   XXXX /2017      ). They are clearly in violation of the California Homeowners Bill of Rights.
My loan is greater than five years old and I have greater than 25 % equity in the property. As such, I no longer need to pay Private Mortage Insurance. I have informed Nationstar of this fact and they just drag their feet in responding to my questions. They are making me use one of their appraisers at XXXX the cost of one I can easily find. My appraiser is licensed, just like theirs. 

More importantly, they do not return phone calls and/or do not respond to emails at all. When I call in, I either get transferred all over the place or I am put on hold for an extremely long period of time. Today someone called me, I gave them my information, and they hung up on me. Nobody will answer my questions about how to remove PMI from my monthly payment, nor will they answer questions about what appraiser they use in my state ( CA ). If I am forced to get an appraisal, I should be able to sue any licensed appraiser I want. Not one of theirs who will price-gouge me. I think Nationstar Mortgage is dragging their feet because they have no incentive to eliminate my PMI ( less money for them ).
In XXXX of 2016, I was notified by XXXX XXXX credit monitoring that a credit application was made for a XXXX XXXX credit card using my social security number. Shortly after the first attempt, another attempt was made, this time with XXXX XXXX. I confirmed that these were fraudulent attempts, filed a police report, and submitted the requisite documentation to the credit agencies to implement a 7-year fraud alert on my account. While I was able to get both hard credit inquiries removed from my XXXX and XXXX accounts, they still remain on my Equifax report -- negatively affecting my credit score. Since the original incidence of identity theft, I have filed a total of 11 disputes with Equifax ( two examples attached ), but they still refuse to remove the hard inquiries. Despite evidence I have provided, Equifax still insists these are " a factual record '' : > > > We have reviewed the inquiry information for XXXX ( XXXX ). The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX > > > We have reviewed the inquiry information for XXXX XXXX XXXX. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TN XXXX
On Friday, XX/XX/2018 I contacted a creditor that I owed. The company name is XXXX. I called trying to pay out an account I had with them but i was told another agency was handling my account and to call them. The company that was handling my account is XXXX XXXX XXXX. I called and I informed the lady that I needed to pay out the account. She said the balance was {$700.00}. I said okay and then I said to her I see this is not been reporting on my credit report and she said No it isnt. I proceeded to pay the money and she said it declined but that she would run the card again the next day which was Saturday. I said okay. She stated she would send an email and confirmation when it was done. Saturday morning I checked the account and the pymt was made yet I did not receive an email or confirmation from them. Approx 1-2 hours later I received an alert from XXXX XXXX indicating a new collection was added to my account. I logged in to see that this company had reported it to my credit reporting agency as an unpaid account as of XX/XX/XXXX. As a result my credit score dropped over 34 points causing me delay in trying to purchase my first home. Prior to Friday I had never heard anything from this company. No phone calls or letters. It was not on my credit report until after they got their money. This company reported false information not by accident but knowingly they put false information on my report causing me harm. This company should be fined because they violated the FDCPA LAW which states if a company puts false information on your credit report knowingly this is a violation.
I placed a credit freeze for myself and my wife through Experian and the other 2 major bureaus XX/XX/2017. In a review to ensure my freeze is still valid, I tried logging into each bureau. Experian does not recognize me or my spouse. I have tried for 2 days to contact them via phone, which you can not get a human to answer and social media. No response. The login information I have recorded is correct. I paid {$10.00} per person and now have no idea if a freeze is in place or not.
I purchased and closed on my home XX/XX/2014. To my surprise i just received a letter from my servicer that there is a {$4000.00} shortgage to cover the taxes and insurance. I contacted the title co who prepared Hud 1 and I contacted the Wells Fargo who preparedthe closing documents. Each are blaming one another. My mortgage payment is {$1000.00} and now going to increase to over {$1600.00} to cover the shortage. I would like to know how in the world was i even approved for this loan? My husband is XXXX years old and im XXXX. This home was a flip home and i never met the seller. I believe they purposely kept the correct annual taxes amount hidden from me because when i would ask them during the process " what are my taxes '' they would just say " oh about {$350.00} a month ''. I believe they did this cause i didnt qualify for the actual amount. I come to find out after 1 year my taxes are {$7100.00} a year as opposed to {$4200.00}. I am now in a position that i may have to sell my house. This is a huge burden for us!!
I took out a loan, for high interest Prior to making my first payment I secured a loan to pay off loan me at a lower interest rate. The second loan company issued a check to loan me to pay off the loan. The check was overnighted however by the time loan me received it more interest had accrued. I had auto payment set up with them so they took XXXX out of my bank account on the original due date. I called them and was told that they could n't apply the check to the account because it referenced it was a payoff and because another day or two of interest had accrued they had to take the XXXX payment out of my bank account. I understand they would need to charge my account for the difference due to the accrued interest but I feel for them to take out XXXX when i did n't owe that much is bad business practice. They received the check on XXXX XXXX my first payment was due XXXX XXXX. They had plenty of time to apply the payment without debiting my checking account. This overdrew my account and I was charged fees by my bank. I called them again and they said they would apply the check to my loan AFTER the XXXX came out and would send me the difference of the overpayment, that 's great but in the meantime my bank account is overdrawn and other payments I made are being returned nsf
A credit card was taken out under my name when I was XXXX. I have disputed this and they continue to send me bills. They agency Portfolio recovery associates did not verify they were speaking to the correct person they just started giving me all the info. They were also very rude I was hung up on twice because they did n't know how to answer my questions.
Paid on XXXX XXXX 18 was promised a release letter via email with in 24 hrs have made several call sense then and they refuse to send my letter
Regarding XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Dear, XXXX XXXX XXXX, XXXX XXXX XXXX Chief Financial Officer, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Please note that your affiliation with XXXX XXXX XXXX is posting my land and home for auction or doorstep foreclosure sale on XX/XX/XXXX, and per XXXX XXXX XXXX XXXX that I have title insurance with has Said that XXXX XXXX XXXX or XXXX XXXX XXXX XXXX acting Trustee along with XXXX XXXX as Trustee have any Authority do Foreclose.. The Security Agreement if non Valid or DOT as XXXX Could not do Business at the Time of the Grant Deed giving to me. Therefore youll need to stop this right now today when you receive this NOTICE and DEMAND as settler, as under Duress Treasury and XXXX XXXX has the endorsed promissory note for deposit only to one and the other paid to the UNITED STATES OF AMERICA WITHOUT RECOURSE if accepted in this criminal activity stealing homes piracy on the land. 42 arrest warrants have been issued and hope to see you all do the right thing. 
this is a copy of what was sent, and this part you will need to send to me at once. " TITLE ( GRANT DEED ) TO BE RE-CONVEYED AT ONCE. '' Your complaint filed with the Consumer Financial Protection Bureau as complaint number XXXX pertains to the same loan which was the subject of complaint number XXXX. As discussed in XXXX XXXX XXXX 's response to the prior complaint, neither XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, nor XXXX XXXX XXXX XXXX XXXX XXXX is involved in collection of the debt purportedly owed by you. None of these companies is the trustee of beneficiary. None of these companies has the legal capability to comply with your request " for this TITLE ( GRANT DEED ) TO BE RE-CONVEYED AT ONCE. '' thank you for understanding.
I received a check from a customer for XXXX i made a deposit into my account check was returned due to NSF, bank froze the account and closed it after investigation i was given the balance in the account and was told it is being closed for fraud because i am associated with the company which wrote the check with NSF and i was also reported to XXXX due to which i am unable to open any personal bank account. It is untrue i did not had any association with XXXX that is the company which wrote me the check, I am attaching the supporting documents, In-fact I have a lien on the owners primary residence of XXXX and the owner just filed for chapter XXXX Bankruptcy. Please see the attached supporting documents.
On XXXX/XXXX/17 There were fraudulent and unauthorized charges associated with my Bank of America, Debit / Checking Account. Upon initiating a dispute for these charges, a charge was omitted in the dispute process on a recorded line with a bank of america claim specialist which is complete negligence on Bank of America 's behalf. The charge being for {$14.00} XXXX in XXXX, GA. This charge being omitted was a factor and a reason in the eventual decision of the claim being denied. I have asked several times for information from the merchant regarding how my information was used and proof of my identity in the matter. Neither have which been submitted in a timely manner. My bank account is now at a negative balance due to this illegitimate and unethical situation.
The company calling leaves messages telling me that they are going to serve me at work or home and i have asked them please discontinue to call me they have not and i ignore them so now they are calling my wife 's mom telling her my business.
The XXXX XXXX organization sent my account to a collection company, XXXX XXXX of XXXX VA, without billing us directly. My family of XXXX has lots of XXXX medical issues in the course of a year, and in every case, we always pay our bill immediately, or in exceptional cases make arrangements to pay extremely large bills over a series of installments. We have a high deductible medical insurance plan, and routinely we pay over {$6000.00} in medical costs until the deductible is met, and when the deductible is met, our insurance faithfully covers the remainder. We use our local XXXX XXXX 6 or 7 times a year, at least until now, and we have never had any issues, and our credit reports demonstrates that we do n't have issues with anyone else. We first became aware that XXXX had sent a balance to collections with XXXX XXXX of XXXX VA XX/XX/2016 when my daughter required medical care. Naturally, as soon as we were informed that anything was outstanding, we paid the bill in full immediately at the front desk of XXXX XXXX. We contacted the credit bureaus about the matter, and naturally the erroneous information was " confirmed ''. This is an abusive practice and I can not fathom what business purpose it serves to take ordinary receivable matters in turn them into inappropriate collection practices.
I have tried working out payments with the loan servicing company. However, due to job losses I fell behind few payments & could n't keep up. This year after I filed my tax return, I was shocked to find out that IRS has applied the entire refund amount ( {$2000.00} ) to a past obligation. When I contacted IRS  ' Bure   au of Fiscal Services  (  BFS ) to find out the reason, they gave me the phone number for the loan servicing company to contact.   This is definitely not fair, as I 've worked with them to make payments. As a private, for-profit company, they should not have the right to withdraw money owed to me by a federal government agency.