WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for refi on day one. Told a fixed interest rate and that was best they could do. Told process was XXXX.!!! If process continued to appraisal, would cost XXXX if I cancel after that charge occures.Day two I call my original broker, get much better offer.Day three I call and am told they had me sign a variable rate contract by mistake but that they would send correction to sign. NO! No mistakes should have been made. I got a much better offer. Stop everything! Cancel my application and forget I called. I do n't trust you. Then his supervisor called. I repeated everything. He said they might could match the interest but it would be a week or two to go to committe. I told him I already had a locked rate somewhere else STOP EVERYTHING. This was day three. A week later they charged me {$500.00} dollars saying the loan officers were proceding with the loan. I do n't know what it takes with these people, but they obviosley purposfully vindictively continued to charrge my account because I cancelled.I never got a call for an appraisal they supposidly charged me for. When I contacted them today XXXX said she was personally do me a BIG FAVOR. She would try and return the money as they LEGALLY have to. I do n't believe it. HELP!
My husband and I were traveling XXXX, XXXX this summer. It was happening XXXX of XXXX, XXXX. We had lunch at the restaurant named " XXXX XXXX XXXX '' and meals for two was charged XXXX euros. I paid with my card but somehow it seems that the manager was printing too long receipts. But we were only presented with the bill of XXXX euros so I signed without any doubt and left the restaurant. Later that night we found that it was charged twice of one with XXXX euros ( correct transaction ) and the other transaction was also made with XXXX euros. I did neither sign for the XXXX euros bill nor the bill was presented to us. We ran back to the restaurant to make a claim that there was a mistake that we were charged twice and the manager repeatedly apologized and promised us that he would make sure to fix the issue to cancel the wrong transaction. Our flight was the day after ( XXXX ) and we came back home in the XXXX. 
But obviously the manager did not keep his words to cancel the transaction and the credit card company XXXX Chase XXXX went through to make a total charge of XXXX euros for lunch at the restaurant. 
We filed the dispute to the credit card company explaining what happened to us while trying to get hold of the restaurant through emails, homepage contact, and international call. But the restaurant was completely out of reach. They never replied to any emails and complaints and never answered the phone. 
The arrangement of the credit card company was also very incompetent and disappointing. Though this case was such a typical fraud that some of the XXXX  restaurants are still trying to rip off the foreigners, Chase only contacted the restaurant and received the bill of XXXX euros with the fake signature that they must have counterfeited. I asked Chase to request itemized receipt to make XXXX euros because there is no way that lunch for two should end up that expensive one, but Chase was completely doing nothing and said they could n't do anything to help us.
I currently home school my daughter through an online virtual school. Wells Fargo repeatedly calls during school hours, despite my complaints that they're interrupting my daughter 's school day. This is the same as harassing someone at work. 

Wells Fargo is extremely rude and offensive. On XX/XX/18, they falsely accused me of abandoning the property, then told me that's the only " reality '' that exists when I tried to explain that was false. Attacking my perception of " reality '' is a highly abusive, manipulative tactic, even as absurd as they sound. 

This is a delicate, unfair situation of a divorce involving XXXX XXXX, XXXX XXXX, and a state child support system that is 47 weeks behind on my child support and household maintenance payments. Wells Fargo has been made aware of the statewide crisis in support payments. 

Wells Fargo has repeatedly told me that without my own job/income, they can't provide a workout plan, when the judge has ordered both child support and household maintenance due to being out of the workforce for 12 years, giving me the chance to return to school and/or obtain specialized career training. 

This is clearly discrimination against women. The home is in my name only, and I'm 22 years into a 30 year mortgage. There are no property disputes in the divorce.
I have paid my final balance with XXXX XXXX  and they have said they have requested in XXXX of XX/XX/XXXX to remove the account from my credit report but as of XX/XX/2017 it has still been showing. please rectify the removal of this from my credit report as promised.
I have a mortgage that is serviced by Nationstar Mortgage. I requested a payoff quote from the company through XXXX/XXXX/2016, but they quoted me a payoff through XXXX/XXXX/2016. When I asked why they were charging me an extra 24 days worth of interest, they informed me that this was their standard practice, and that any overages would be sent back to me within 20 business days. My per diem interest rate is {$22.00} per day, which will result in an overage of {$530.00} ( {$22.00} x 24 days ). The sale of the property that collateralizes the loan will be finalized as of XXXX today ( XXXX/XXXX/2016 ), so the payoff request through XXXX/XXXX/16 is conservative, and already includes a cushion for any timing delays. When I provided this information to the representative that I spoke with ( XXXX ), he claimed that the practice of charging overages and refunding within 20 days is allowable under RESPA. 

I am filing this complaint because it does not seem right to me that the Lender is charging me for funds that the know full well will have to be refunded to me anyway.
I opened an checking and savings account with Chase bank last week, This Monday I called and closed the account because the funds transferred from my XXXX mastercard/atm card was taking to long to appear on my accounts, I called Wednesday to check the status of my money being returned from Chase bank to my XXXX bank account ( where the original funds came from ) and they state they cant find my {$50.00}. It is mandatory you deposit {$25.00} to open an each account ( checking and savings ). I have called Chase and my bank XXXX to try to resolve this issue because it is causing me financial hardship, either bank will confess to the error or fix it.
On XX/XX/XXXX I submitted a dipute with XXXX indicating that ALLY FINANCIAL had incorrectly reported a balance on my XXXX  credit report. This account was included in chapter XXXX BK XX/XX/XXXX and discharged XX/XX/XXXX. I received a recent XXXX Credit report Dispute Result Report # XXXX with ALLY FINANCIAL account # XXXX and its showing current change off starting XX/XX/XXXX through current date. This is a FCRA violation and XXXX and or Ally needs to correctly report as ND ( no data reporting ) due to Bk chap XXXX in XX/XX/XXXX
I reported to Experian that they were reporting inaccurate information in regards to my bankruptcy. I received a letter stating the the information had been verified. I followed up with a letter asking to provide me with who and with whom the account had been verified with. I was not given this information only that it had been verified.
According to Equifax they confirmed that I have the debts from a XXXX XXXX in XXXX, Texas and that is not true at all. I do not know where and what it is. I am XXXX and have been treated by either VA hospital in XXXX or VA clinic in XXXX. Who ever made claim is incorrect. 
The time frame that the charges at XXXX were done I was NOT in area!
XXXX XXXX  ( XXXX Credit Card ) is incorrectly reporting my account as late. I submitted a dispute with the bureaus and XXXX XXXX  responded with a document showing that they NEVER received payment from me since XX/XX/XXXX ( please see attached document showing them saying I never paid ).

I have made payments to XXXX in XX/XX/XXXX and XX/XX/XXXX( Please see attached documentation as proof ).

Furthermore, the noted on my credit reports that the account was closed inXX/XX/XXXX when the account was closed inXX/XX/XXXX.
This is a follow up on a previous case ( XXXX ) against XXXX XXXX. XXXX never reimbursed me for an overcharged amount on a purchased flight even though they admitted they overcharged me. 

Capital One knowingly allowed XXXX XXXX to rebill me the exact same overcharged amount when they knew through documentation that XXXX admitted on email correspondence they overcharged me. I contacted Capital One on this and they keep putting me off telling me they don't know when they will be able to get back to me on this matter. This is not acceptable. I have been an outstanding customer, with a near perfect credit rating.
I was billed for XXXX from XXXX. The bill was late and sent to a collection agency. I made arrangements with USCB agency and successfully completed payments. The arrangement was made that if payments were made timely no collection acct would be put on my credit report. This was done over a year and half ago and was all successfully paid and completed then out of nowhere USCB places a collection on my account last month and shows it still owing. I contacted USCB and they said to contact XXXX. I contacted XXXX and they said to contact USCB. Neither party is helping but both parties acknowledge acct is satisfied and there is no amount owing. Please help me in getting the attention of USCB to remove this from credit and to not be erroneously placing collections on my credit report. How can I pay it almost two years ago be fully satisfied as agreed upon and then they out-of-nowhere put an erroneous collection on my credit? please help. XXXX
I am currently a part-time student and full-time employee of the University of XXXX in XXXX, XXXX After graduating from college with a XXXX in XXXX of 2008, the economy collapsed and I could not find work in my desired field, I had to take whatever job I could find. Eventually I went back to school to get a more 'practical ' or 'useful ' degree- which I am pursuing now. My in-school deferment/forbearance time limit is up and I have not graduated and I am not making enough money to make the minimum payments of {$440.00} Wells Fargo is now also pursuing my Mother, the co-signer, for payment. She is the only XXXX working in her household as my Father was laid off and has been for quite some time. She and I together offered {$75.00} per month as a payment we could afford because we all live paycheck to paycheck. This good faith payment was not good enough for Wells Fargo and they are refusing to go lower than {$310.00} per month. I tried everything I could- offering that I could make the larger payments once my car was paid off, asking about consolidation ( not available because I am not current on the debt ), filing for more reasonable payments, requesting an extension of the loan repayment term, and anything else I could think of- but, I was told there were no options : I must make the payments or my balance will become due and then turned over to collection agencies. I need help and I do n't know where to turn to.
Back on XX/XX/, I disputed the balance of {$780.00} that took place at the XXXX XXXX XXXX. I spoke to a collector trying to solve the problem by making an offer, but they declined my offer so I filed a dispute after that. When I spoke the collection agency or XXXX XXXX XXXX, they agreed to freeze my account until they resolved they issue for the payments I provided to the XXXX XXXX XXXX on XX/XX/XXXX for {$300.00}. The {$300.00} I provided cash to XX/XX/XXXX office, I made a mistake of not asking for a receipt that day because I was upset for the unexpected fees that I wasnt notified for. After that, I dont know what money has been credited to my balance, all I know is that I am in collections for fees that I wasnt aware of. XX/XX/XXXX XX/XX/XXXXsupposed to stop the late fees after I disputed the account because thats what they agreed to, but they didnt do it they kept on adding fees to my account which is making it more difficult for me to pay it off.
XX/XX/2015 was original date of debt with att {$54.00}. Bill was payed shortly after becoming aware of it and has been removed from all other sources and collections. Was removed from both XXXX and XXXX  but showed back up on XXXX and is incorrect. Bill was payed.
I have paid student loans with Navient and they keep reporting as Open on my XXXX credit report, this is causing me XXXX and making my life difficult as I have disputed so many times with no help. I would like this updated and removed from my report due to the XXXX it has caused me.
First Niagara Bank was bought out by Key Bank. 
During the transition some accounts disappeared and such. 
For Me I was locked out of my account for over 40 days and could do nothing about it. 
I visited a branch and was told they would fix it, but did nothing. 
I have been in communication with the executive office and keep getting the run around and now several months later, issue is still yet to be resolved. 
I continue to have my credit damaged because of their failure to correct this error. 
They have waived late fees, but not any interest or doing anything to compensate for the issues arising out of the situation. 
The executive office refers me to the auto loan collections department who on 3 separate occasions have refused to update information that was advised by the executive office.
On my Amazon.com payment webpage in XXXX 2015, Synchrony Bank promoted a financialoffer : 5 % cash back or 0 % APR on purchases. The page expressly stated that Amazon.comStoreCard members enrolled in the paid XXXX membership would " automatically '' receive these benefit choices. This ad on the Amazon.com payment page appeared for the next XXXX months. I made several inquiries to Synchrony Bank about receiving this financial promo. No one, either reps nor supervisors, knew about the promo or how to follow-through. 

In XXXX 2015 the Amazon.com payment webpage changed, the offer reappeared, yet it was no longer an " instant '' benefit. I selected to receive 5 % cash back on purchases at that time. 

XXXX, 2015 StoreCard statement for Amazon.com from Synchrony Bank did not include the cash back on purchases benefit, after I made rather difficult, repeated inquiries. 
Synchrony Bank made a financial promotional offer, XXXX 2015, based on purchases made by XXXX membership clients that they did not honor or follow-through. Synchrony Bank was not able to, and appeared incompetent about correcting this matter.
I got a call in XX/XX/XXXX from Procollect in XXXX, tx stating I had a charge of {$490.00} in collections from XXXX XXXX for a move out fees. I gave XXXX a forwarding address and my number to be notified of any charges. They never sent me anything in the mail or called so they sent it to collections because it never got paid. Procollect said I could not dispute it. They had already dropped my credit score 60 points the same day they notified me of the charge. I asked to speak to a manager or supervisor and procollect told me no. And they would n't send me proof of my bill unless I sent a written request.
I am recieving a persons mail at this address and can not get https : //www.bankofthewest.com/ to stop sending me mail to my new address from another person.

XXXX XXXX XXXX please help this bank stop sending mail to my address. All the informed delivery from usps is still sending this mail to my address after I request then to stop!
We received numerous letters or ads from our mortgage company, Freedom Mortgage, stating that our house was valued at {$240000.00} and that we could refinance to use some of the equity in our house. After applying and providing scores of paperwork, we were told that our house appraised at only {$200000.00} by an appraisal company from Indiana and we could only get a new mortgage if we paid {$10000.00} for it up front. The appraisal was based on more than XXXX houses, XXXX of which was out of our district and was half the size of our house plus it was appraised at only {$170000.00} which lowered our appraisal considerably. I believe that this is a practice that is being used to scam homeowners and wish to have a federal investigation of this mortgage company.
The home is part of an Estate the homeowner passed away.The family did go to Surrogate Court. 

We have submitted the documents to Ocwen Loan Servicing they refuse to talk to us or help us. 

We want to save the homes.This home has a sale date for XX/XX/2018 and we have no idea when it started no was served any of the documents or notices concerning a foreclosure sale. 

Ocwen refuse to speak to us in spite of the fact that we have sent proof to Ocwen from the Surrogate 's Court.

Please help us.
XX/XX/14 Belk Dept. Store {$2200.00} Balance I opened an account at Belk and the credit limit started around {$800.00} and was increased to {$2200.00}.

I had perfect payment with Belk for several months or for a year, I can't remember now.

My card was stolen, and I found out later that it was stolen by an individual named XXXX XXXX.

I spoke with manager, and then talked to Belk Credit several times about this, but nothing was ever done
XXXX XXXX XXXX reported that I failed to pay in XX/XX/XXXX on account that was closed in XX/XX/XXXX and included in my chapter XXXX bankruptcy. I disputed this information with Experian in XX/XX/XXXX and they responded back that the information reported on my report was wrong and they corrected it. The next day the wrong information was put back on my credit report. I then contacted Experian about the problem on the phone and they agreed they were in the wrong and would delete the information after a new dispute. Again they investigated the information and removed the negative mark, then the next day it was put back on my report. 

I believe Experian is now in violation of FCRA 611 ( a ) ( 6 ) ( B ) ( ii ) for reinserting this incorrect information, not once but twice.
I contacted US Bank for a payoff amount of my remaining lease term to try to trade the vehicle in. I was told a payoff could only be provided to a dealership. When I called with the salesman on XXXX/XXXX/16, he was quoted {$25000.00} to payoff the lease. Then the US Bank rep asked if I was leasing another vehicle through US Bank. The salesman said no, stating their dealership does n't have a financing relationship with US Bank. The rep then said he had to recalculate the price, and came back at {$31000.00}. When the salesman asked why a nearly $ XXXX increase, the rep said " loyalty has it 's benefits. '' That evening I called and was transferred to the lease maturity department. A male rep was very rude and repeated the " loyalty has it 's benefits '' mantra and told me the bank has the right to increase the contractual lease buyout if I am not going to stay with the bank for a future transaction. When I asked for a manager I was initially told that I was not entitled to speak with a manager because he/she would tell me the same thing. After protesting, I was put on hold for 10 minutes and then told the entire management team was in a meeting. I was told I could not stay on hold and that the rep " guaranteed '' I would receive a call back that evening. I have not received a call back. When I called back the next day and explained to the rep what my issue was, I was put on hold for 7 minutes and then told that " due to technical difficulties '' I could not be transferred to a manager and should call back. I believe what US Bank is doing is illegal and deceptive - and being refused the option to speak with a manager to file a complaint is unfair. I should n't be penalized for looking to a different financing source, and I should n't be treated as rudely as I was by several representatives at US Bank.
At present I have 16 student loan accounts reporting on my credit report. All 16 accounts are reporting late for months XXXX through XX/XX/2017 however this information is inaccurate. I graduated my XXXX program in XX/XX/2017 and my loans should have remained in deferment for 6 months following my graduation and then enter into repayment status. Instead, it appears my graduation date was calculated incorrectly or I did not recieve my 6 month grace period as I should have. 

I have asked several times that the late payment entries on my credit report be verified by the companys credit reporting department and that the late payments be verified and corrected in accordance with 15 U.S. Code 1666 - Correction of billing errors to no avail.
My mother-in-law wrote a check at a XXXX ... the cashier processed the sale, but the check was written for the wrong amount. My mother-in-law went to the bank and store to try and resolve the issue. Not sure what happened but since then XXXX turned this over to a collection agency which " flagged '' her checking account ( which is all she uses, no Credit Cards or cash kept on hand ... she is over XXXX ). The credit Agency which I called today made me make a second payment of {$47.00} ( {$25.00} " penalty '' plus the original wrong amount ). They did not offer to send back her mailed in check payment and have not guaranteed she will ever get the money back, i.e. they are collecting this debt twice. Further they are using two separate companies to confuse people. The company that you call is XXXX XXXX XXXX while they company hired by XXXX is TRS Recovery Services. This allows each of them to not take ownership of what the other mistakes are done. However, they both have the same address, which is XXXX XXXX XXXX XXXX XXXX TX XXXX they have a XXXX in the same town/zip. They also pulled the trick of making me get her on the phone to authorize me to talk on her behalf, only to say when I called back that they had no record of it. 
They would not provide me with a address at first until I told them that I was filing this complaint. This type of practice should not be tolerated ... especially to older people. The mistake was not my mother-in-laws but the cashier at the store. Now she has had her checking account flagged thru " tele-check '' ( not sure if that this the right company ). TRS is completely unwilling to take accountability for what XXXX has done going as far as to say they are different companies ... how can that be when they have the same address??? Please help stop this company.
On Tuesday XX/XX/XXXX American Express collections department called one of my relatives numbers. Upon answering, the debt collector released all information regarding my account to the individual.
My name is XXXX XXXX and my issues started with a late payment that XXXX XXXX Bank ( XXXX ) has placed on my credit report. I was able to get the late payment removed, but a few weeks later the late payment was reinserted illegally without anyone notifying me within 5 days of the reinsertion. The supervisor, XXXX XXXX, at XXXX XXXX Bank ( XXXX ) insists that this couldve been a mistake with XXXX XXXX, but this was not a mistake. Ive spoken with professionals at XXXX XXXX and they said they only report from Credit Bureaus and can not edit any of the Credit Reporting information. Even after me showing documentation, he still denies that anyone from the XXXX team didnt report any late payment removing changes. I am currently in the process of filing a civil suit against XXXX & the Credit Bureaus. I will not stop fighting this even if I have to get lawyers and a civil suit going.