WillisBack/dataset-financial-user-claim huggingface dataset:
Credit Card Company : XXXX XXXX I have been trying to resolve an issue with a charge on my credit card that was suppose to have been refunded. I filed a claim with the credit card company on XX/XX/2018. I received a response on XX/XX/2018. The response was that they " could not find where the error occurred ''. All attempts to contact them have not be productive. I was told in on phone call that they did not have the last four digits of my credit card. Which seems unlikely because they use that same information to identify me when I call that same number prior to talking to a service representative. The amount of the purchase was {$15.00}. Purchase date XX/XX/2018.
I have a FHA loan, Midfirst Bank is servicing the loan ... I asked for a downward modification because I lost some income, ( second job ) ..Midfirst Bank refused XXXX I made partial payments ... I explained to Midfirst Bank my payments needs adjusting according to my income. the next things I know was Midfirst Bank filed a foreclosure action against me. My mortgage agreement has FHA/ HUD guidelines pursuant to 12 USC subsection 1717f and 42 U.S.C 3535 ( d ) Title 24CFR Part 203 Subpart C- Servicing Responsibilities, including, but not limited to 203.500, 203.501, 203.600 203.604, 203.605 ( a ), 203.614 and 203.616 a ) Duty to mitigate. Before four full monthly installments due on the mortgage have become unpaid, the mortgagee shall evaluate on a monthly basis all of the loss mitigation techniques provided at 203.501 to determine which is appropriate. Midfirst Bank, never attempted to contact, XXXX XXXX to attempt to arrange a face-to-face meeting with her to discuss her options, and certainly not within 30 days prior to filing this foreclosure action, as required by HUD guidelines.
I keep getting a call from a company that I do not know who they are and have asked to not call again, yet they continue to call.
Checking account overdraft : was unable to deal with bank due to emergency illness, when I got out of hospital I called bank and asked for account to be closed, was told it had to be done in person or by mail and bank refused to adjust the charges. I then had someone deliver a request to close account letter and have continued to be charged fees. I am not able to go to bank at present and can not take care of this issue, but am still being charged fees.
This is a follow-up of complaint XXXX. FIA Card Services has never sent me their definition of " cash equivalent '' or anything else. In addition, to harass me further, the last statement included a " minimum interest charge '' of {$1.00}. I owe them nothing and that charge was so absurd that their automated line took it off. FIA cheat and lies and is totally irresponsible. There should be some penalties or they should at least tell the truth. They record their calls so al this can be easily verified.
I have been working very hard to repair my credit with all XXXX agencies for two years! I have called, written, disputed and have completed everything all XXXX agencies have asked. I contacted XXXX XXXX and decided not to use their services as I have been following the exact practices myself. I have opened new accounts and all are paid as agreed. I have had derogatory items removed from all three reports. I currently only have XXXX derogatory accounts on my report, and XXXX are medical, with a total balance of under {$2500.00}. 
I have been watching my scores using the Annual Credit Report, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX through XXXX XXXX. 
After all of this, my score has increased only XXXX points! It hovers around XXXX and will change up to XXXX points per month without any additional credit activity. I feel all XXXX agencies are not giving me the attention deserved and are preventing me from purchasing a home and acquiring credit. 
I have reached my boiling as Every time I complete a task they require to raise my score, another issue seems to appear to prevent the increase. 
Any help will be much appreciated. 
Thank You. 

XXXX
I scheduled my XXXX mortgage payment on XXXX XXXX, 2015. The system then said that my next payment due was XXXX XXXX, 2015. I knew this was an error because I only scheduled XXXX payment for XXXX which would make the next payment due on XXXX XXXX, 2015. I informed Ocwen of this error and told them that I would stop payment on those XXXX errors and would reschedule another payment from my other checking account. I scheduled the payment from my other checking acct on XXXX/XXXX/2015 which cleared my bank on XXXX/XXXX/2015. Then, on XXXX/XXXX/2015 another mortgage payment debited my XXXX checking account which was unauthorized. I informed Ocwen there must be a glitch in their bill pay system because they were taking XXXX payments each time when only XXXX was scheduled. XXXX XXXX XXXX was able to retreive the extra payment from Ocwen that was made on XXXX/XXXX/2015. Ocwen is now saying that I have not paid for XXXX and had returned checks for XXXX after showing proof form the bank that they made extra unauthorized debits and proof that the XXXX XXXX payment I authorized posted and cleared. After XXXX letters, XXXX calls from the Bank and they will not fix my account. They even sent me a check in error and told me to deposit it then they would credit my account. Well, that check was no good from them and they charged me for it after they told me to deposit it on XXXX/XXXX/2015. Today is XXXX/XXXX/2015 and this error began on XXXX/XXXX/2015 and nothing has been done, even after contacting their ombudsman. My bank tried to talk to them but they would n't talk to them because the call was being recorded. I have never been late with my mortgage payments and I do n't appreciate being treated this way. Something is shady about Ocwen because all of a sudden my mortgage payments increased due to escrow which they are now taking $ XXXX yearly over the amounts of my property taxes and home owners insurance. Then, this fiasco with XXXX debits happened just two months later. Ocwen Loan Serving needs to be investigated. There us something REAL shady going on with this company.
My auto loan is with GM Financial. In XXXX, i applied to get a new car. I was told that my account with GM was showing past due. I had often waited until after the time due date to pay, but never past 30 days. So, i did have late fees on my account. I paid them that month and made my payment on the due date. In XXXX, i reapplied and they again told me it was past due. 

I looked at my credit report, and sure enough, my balance was showing {$4000.00} higher than what it actually was. They showed my XX/XX/XXXX payment as 30 days late, then hasnt reported anything since. 

I contacted them and they said thousands of people had been affected by some time of software glitch, where they had reported past due payments in XXXX. So, they shut the system down and hasnt reported anything since. In XX/XX/XXXX when i called, they said they had pulled the system back up and it should be updating correctly. 

I just looked again and 3 weeks later, still the same thing. I XXXX this problem and saw hundreds of consumers having the exact same issue. This is preventing people from getting new vehicles, getting homes, affecting interest rates. And GM doesnt seem in a hurry to address the issue. I read back to XX/XX/XXXX where theyd been told the same thing I was told in XXXX ... the system would be back to reporting correctly. And still nothing.
I closed my account with XXXX XXXX in XXXX 2014. The effective date in my cancellation confirmation email was XXXX XXXX, 2014. Disconnect Order Number : XXXX. They continued to bill me for XXXX months after the fact ( XX/XX/XXXX and XX/XX/XXXX ). I confirmed with XXXX that my account was paid off in full when I canceled the account for XX/XX/XXXX. I just received a call from debt collectors today without any prior notice and they refused to let me speak with someone to XXXX to dispute the claim.
I tried to dispute them back in XXXX 2017 when I first received my credit report and they have failed to provide proof of a contract. I have no contract with them they continue to send an old billing statement as verification but I requested true validation of my alleged debt.
I have XXXX complaints regarding, 1. Mismanagement of my payments, and 2. the refusal of DiTech to send me mortgage statements and full disclosure of my account, prior to, during and after my bankruptcy and 3. the rude, disrespectful, callous disregard of my requests to resolve the aforementioned matters. 
Customer Service : DiTech Financial LLC, XXXX. XXXX XXXX, XXXX XXXX, S.D. XXXX Bankruptcy Correspondence Address : DiTech Bankruptcy Department, XXXX. XXXX XXXX, XXXX, South Dakota, XXXX When DiTech Financial took over payment management from Green Tree, I was and have always paid my mortgage 2 months in advance. Therefore if my billing stmt was XXXX/XXXX/XXXX, my due date was XXXX/XXXX/XXXX. From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX DiTech took one whole principle and interest payment and mis-applied it without my consent. Therefore I am only 1 month in advance. Since bringing this to DiTech 's attention via phone calls ~ they have ceased sending me mortgage statements. I have not received any mortgage statements for XXXX/XXXX/XXXX to present XXXX XXXX. 
2. My bankruptcy was discharged on XXXX/XXXX/XXXX. I have been paying my mortgage without billing statements faithfully every month, throughout the bankruptcy. To date Di Tech refuses to respond to resolving the mismanagement of my payments, and to provide me with billing statements, and full disclosure of all my mortgage records from XX/XX/XXXX through present.
Scottrade and their affiliates can not be trusted. Scottrade states that to resolve a dispute ( my account was hacked ) I am required to file arbitration. However, Scottrade will not provide me with an arbitration agreement. Because of this and many other issues, I am refiling this complaint against Scottrade for the fifth time with the CFPB. 

Consumers beware, I have filed more than 5 complaints against Scottrade trying to get a copy of the arbitration agreement and each time Scottrade responds with a boilerplate letter saying " we consider this issue closed and will no longer be responding ''. 

In the event that there is a dispute between myself and Scottrade Bank. What are the dispute resolution procedures? Furthermore, does Scottrade Bank provide assistance to those who are incapable of paying for dispute resolution?
Hello, I lived in a property that had such a poor reputation by the people who lived there it had to be renamed from : XXXX to XXXX in XXXX, XXXX. The properties management company was out of state ( XXXX apartments ) and a rental office was on site. The XXXX did not communicate well, and after a man was shot and killed in the garage of the complex I decided not to resign my lease. My relationship with the office was poor already because I called homelinemn on them because none of the properties out door security parking lot lights were functioning and because of the shooting I felt incredibly unsafe. I made a verbal agreement with the office manager in the leasing office on property who told me that was fine and to write out a letter and bring it back to him when I had time. I made XXXX attempts to bring it in, once he was not in, and once the office leasing agents asked me to come back later because they were preparing for their holiday party. I obliged and I brought it in the next week. 

When we moved out we assumed that some of our XXXX XXXX dollar deposit would go towards the two years of wear and tear of living there, however once we left we received XXXX invoices, the first had less charges then the second which also now said we owed a months rent for not getting our letter to leave in on time. The charges owed took our deposit and demanded an additional XXXX. This invoiced sited things like the black mold on the window seals and toilet, photo charges for them to take pictures of that mold, dog fesses they found outside they said was my dogs, new closet doors because the doors they replaced while we were there did n't match, and a late charge of XXXX month 's rent from the property management for not submitting my letter to leave in time, something I was verbally told by the leasing office was fine, and was attempted twice. 

We went to the XXXX XXXX XXXX XXXX XXXX ( who should have a file on this still ) and spoke with someone who said they could have helped with this had we still been living there but that because we moved and the bill came after they could not. 

Because we refused to pay they forwarded the charges to collections and now I am called at all hours of the day from debt collectors and my parent get harassing mail sent to their home address in XXXX. Please help me stop this. This was a wrongful charge, I believe they sent this to collections and did n't take us to small claims court because they knew they would lose. And this XXXX thing is making my credit score suffer. I need your help in removing this or at the very least asking them to stop harassing my family. I have copies of the charges and the letter they send my parents monthly. Please let me know if you would like these documents. 

Thank you,
I have a rental property in XXXX that was empty for a short period of time in XXXX 2015. The utilities were supposed to never be transferred in my name ( due to an incoming tenant ) but apparently were because XXXX XXXX billed utilities to my account. XXXX XXXX has both my phone number, email, and address but I received no calls, no emails, no letters at my address in XXXX and the tenants have stated they received no letters for bills or collection notices in my name. 

On XXXX XXXX, a derogatory remark hit my credit. I called within the hour to XXXX, who directed me to the debt collection agency. I still have not verified the debt is valid ; however, given that despite having my phone number, email, XXXX and XXXX address -- - and no notification being received on my behalf, I would pay a legitimate debt owed within the hour of notification, but I need the derogatory remark removed since I was never informed of this debt. 

The debt collection agency claims they mailed letters to my XXXX address ( however, both my tenants have affirmed they never received any mail in my name ), and I even pointed out they had my email and phone number and could have contacted me. They did not care, claimed that regardless what I said or what I did, they put a letter in the mail and they would not be removing it from my credit report. 

I have never even paid late on a single bill that I have been notified of, let alone had something like this happened. If XXXX XXXX or the collection agency had conducted any level of due diligence into proper notification ( utilizing email, phone #, multiple addresses ), and notified me that I owed them money and why this would have been paid and settled within hours. 

This should not be on my credit nor remain on my credit report as a derogatory remark given the circumstances ; however, the collection agency has notified me that regardless what evidence, what information I provide, or what I can prove they will not remove it from my credit. 
The company 's phone number is ( XXXX ) XXXX, the lady that I 've mostly spoken with is XXXX.
We have a XXXX credit card through Bank of America ending in XXXX. The card has the ability to transfer balances from other cards and have a 0 % interest for about a 12 month period of time. The balance if it is not paid off will then be subject to interest if that balance that was deferred is not paid off by a set date. We have come to find out that when we make payments now to the card because a portion of that original balance has come due because the 12 month period has expired ; when we go to make a payment, the Bank IS NOT paying off the higher interest balance assessed against card. It is in fact splitting the payment so that half goes to a lower interest or deferred amount and half goes to the higher interest amount. So, what the Bank is doing is manipulating the card to their favor so that the high interest balance continues to be present even though substantial payments are being made towards the card. They are loading the higher interest bearing portion in their favor so the consumer will then be assessed the higher interest balance for a longer period of time thus manipulating the card to their favor. For example, other deferred interest cards always have the payments paying off the oldest portion of the balance so the consumer does not incur severe accumulated interest penalties. Not this Bank and not this card. It is designed to keep the balance associated with the high interest active for the longest period possible so the consumer is leveraged with the highest possible interest. This is an unfair practice and highly deceptive. The significant payments being made should be going to the balance portion associated with the highest interest first. The Bank has twisted the payment to their favor. This is wrong and I certainly did not understand this to be the case when the card was opened or when I have had extensive conversations with the Bank customer service.
I currently have a loan with Navient. They bought my loan from   XXXX   XXXX   and never gave me a payment option to repay the loan other than an interest only loan that I have been paying for several years. I have had this loan for 17 years and still owe more than the original loan amount. They just recently let me know ( after I pressured them for more detailed information ) that I could have been paying a little over {$100.00} per month more and I would have been in a program that was paying down interest. I feel that this company did not review all their loan programs with me, to keep me in their interest only loan to increase profit on my loan.
Please review phone call that I had with representatives as they have stated they are recorded.
I used the services of Reloadit.com which is a funds loading service for certain brands of prepaid debit cards. I have used the service successfully in the past. 

About two months ago I attempted to load funds to a prepaid debit card but I was unable to do so. I received an error message after every attempt, so I contacted Reloadit customer service. They forwarded my request for assistance to the IT department, who contacted me several days later after. 

Reloadit sells scratch off cards containing XXXX digit pin numbers at various retail stores across the country. The pin numbers can be redeemed at www.reloadit.com and turned into digital funds that can be loaded onto prepaid debit cards. Reloadit.com provides users with their own online account which serves as a go-between, or a " safe '' in which users can store their pin codes until they want to load them onto a prepaid debit card. There is a waiting period of XXXX hours after the time of purchase before users can add any funds to their prepaid debit cards. During this time however, users can keep the funds in their reloadit.com safe. 

This is where my issue begins. I left XXXX pin codes in my safe worth {$500.00} each prior to attempting to load them to a prepaid debit card. I received an error message when attempting to add my funds to the prepaid cards. This is when I contacted customer service about my issue. 

Overall, customer service and the IT department proved to be very unhelpful. The IT rep named XXXX told me that I needed to email photos of the Reloadit scratch offs and their receipts. I did so promptly. I was then told that my pictures were not good enough and I needed to resend them. I did so promptly. Then I was told that I needed to take pictures on different backgrounds. I told XXXX this was not possible since I no longer had the physical receipts and scratch offs. The pictures I sent him had been taken prior to me contacting customer service, as I took pictures of the receipts and scratch offs just in case I did misplace them. He then instructs me that I should travel XXXX hours away back to the store at which I bought the Reloadit scratch offs and request that the store dig through their system to find another copy of my receipt. I informed XXXX that I would not be doing that and he needed to offer me an alternative to getting my money back. He then told me that he could not help me unless I could retrieve the original receipts and take pictures of them on the different backgrounds. 

I feel that XXXX was very unhelpful and ultimately would keep finding excuses as to why he and his company would not refund me my money. At this point I was very upset and disheartened with the whole situation. What baffles me more than anything is that no one has explained to my why my funds are being held. The reason could be completely erroneous and an ultimate attempt to discourage users from asking for their money back. I have cooperated with Reloadit and XXXX to a reasonable extent but we are past the point of reason. Their requests are becoming ridiculous considering that all I am asking for is my own money, not a gift or a handout.
I applied for a XXXX mortgage with BMO Harris ( 25 % personal cash down payment ) and was denied given the reasons of " Limited Credit Experience '' and " Unable to Verify Income. '' I have a XXXX imperial score, provided all information requested including source of funds, XXXX, and employer letter with my start date of XX/XX/XXXX that included compensation. I have history of credit cards paid in full, vehicle loan, as well as continuous employment since graduation from XXXX in XX/XX/XXXX and after a 1 Yr XXXX from XXXX University in XX/XX/XXXX. I feel my application was denied because of racial discrimination as an XXXX XXXX female and the bank is scrutinizing applications from XXXX, IL unfairly. Whereas in contrast, people with similar paper profiles ( education, income, credit score, employment history etc. ) are not denied in suburbs where the majority of the population is XXXX and the applicant is also XXXX.
I disputed a dismissed Chapter XXXX Bankruptcy ref # XXXX with XXXX and Experian credit reporting and they say they have verified and it remains on my credit report and I know they have not verified the dismissed bankruptcy nor will they provided me with the verification of where and how the information was verified and I would like for it to be removed off my credit reports. According to the the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief '' .Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. In Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report
Please reference XXXX It was closed because Experian Lied and said those items aren't on my report. I'm looking at my Experian report and see all 4 Bankruptcies on there. 

I took it a step further and called Experian at XXXX XXXX XX/XX/2018 and asked if they see the items on there. Experian confirmed they are on there. 

This is why consumers are so frustrated with all 3 bureaus. They wear us out with endless canned responses until we just get tired and quit. 

I hope you can fix this.