WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2015, I attempted to have XXXX XXXX installed. The installer came to my house to attempt to set up a phone jack in my apartment in order to connect my services. He informed me it would be extremely difficult and the connection would be terrible so I cancelled the appointment, cancelled my services with XXXX and returned the unopened modem. The person left within 20 minutes. Since then, XXXX has made several attempts to collect different amounts for services I never had. I 've disputed several claims from XXXX different collection agencies and spoken to XXXX many times over the course of a year to stop receiving these claims, but here I am, a year later, still disputing these charges, despite XXXX representatives telling me that the file is closed.
I would like to file a formal complaint against The XXXX. I had a balance owed at the end of the XXXX semester. A large portion of the balance owed was in a single line item entitled " QM-Unif BKS Supply Deposit ''. I requested a detailed accounting of that line item from The XXXX on a number of occasions and it was never provided. My mother made a similar request and made it clear to XXXX XXXX that I would not pay the balance without a detailed proof of debt. As a result, the matter was referred to a collection agency - Williams & Fudge. We worked with XXXX at Williams & Fudge and received the Proof of Debt on XX/XX/XXXX and immediately remitted payment to XXXX XXXX for the full balance owed. Now I have received an invoice for {$520.00} from Williams & Fudge for collections costs for which I do not believe I am responsible. 

If The XXXX had provided the Proof of Debt when requested, the matter would not have been sent to a collection agency in the first place. I believe The XXXX takes advantage of young college students and does not afford them the rights they are entitled to because they are young and inexperienced.
One Main Financial uses deceptive practices in the way it displays payment due information via their website. Their online " Account Summary '' and " Account Details '' page will show that there is zero due for the upcoming month, yet the online statement itself ( if you download it ) will show a payment due for the upcoming month. I have screenshots and downloads where their website clearly shows my next payment is due on XXXX XXXX, 2016. Yet my statement shows a loan payment due on XXXX XXXX. 

I have relied on their online information for the month of XXXX which showed I had zero payment due. I believed I had paid in advance. Yet I started to receive calls from the company asking why I had not paid my XXXX payment, and when I logged online to check, the online view had been updated to match my statement - after the fact. I though I had made a mistake, but this month when I view my online balance and my statement itself, I see evidence of their deceptive billing practices and I am attaching the screenshots I took as evidence. 


Sincerely, XXXX XXXX
on XXXX/XXXX/2015 I checked my account balance to obtain what I had available. My available balance was {$300.00} I withdraw {$200.00} which left me a remaining balance of {$100.00}. I logged onto pnc.com website to obtain my balance and it stated that I only had {$15.00} out {$100.00}. PNC charged {$81.00} for a unknown fee and when I called to speak with a rep he was unable to specify what was the fee for. I have direct deposit and a total of {$3000.00} deposit from my employer XXXX and child support combine together and PNC NEVER charged me a sevice fee. I asked to speak with a manager since the Representative was unable to assist me. I was on hold for XXXX and no one came to the phone. I 'm disputing those XXXX charges of {$81.00} and {$4.00}.
Our HELOC loan was sold by XXXX to XXXX ( XXXX ) and then to SLS. We have made consistent payments with additional " principal '' and submitted on time to the servicing companies. After noticing not much reduction in the balance, we questioned XXXX ( contact no longer available ) on several occasions and was given the " run-around '' or not responded to. Once XXXX sold the loan to SLS, we advise them of the issue and asked them to provide us : A ) Actual amount borrowed on HELOC. B ) Total amount of additional principal payments made. And, C ) Total amount of additional payments applied to loan.
Kimball , Tirey & St. John LLP representing XXXX properties. First, have not removed the civil judgement from my credit report. Second, the reason JKW did not except my money at the court proceedings was because they wanted me out for reporting them to housing authorities. Third, it has been over seven years. Furthermore, after reporting them they had the pipes in the build replaced due to the poor quality of water being dispensed. At the court proceeds I had the money and they did not want to take it. I can not believe that a legal firm would ethically represent such a reprehensible firm like XXXX properties.
Every day beginning on the XX/XX/XXXX of each month, XXXX XXXX XXXX - 3rd party collection department calls me about my payment being late. My payment is due on the XX/XX/XXXX. They call 4 or more times a day, do not leave messages, and at least 2 of the  calls are now originating from an Unknown number. I answered this unknown number today, I had to ask repeatedly who was calling and the person kept asking me who I am instead of identifying herself as being with XXXX XXXX XXXX ( XXXX ). I have spoken with XXXX several times this year, and they record their calls. I have informed them that as of this year XX/XX/2018, my payday was changed to the 4th Wed of every month. I asked if they could move my payment date so my payments would be on time instead of 9-15 days late depending on the month. I was told to defer the payment instead. The person did not advise at that time that to qualify for payment date change, I can not have any extensions or deferred payment for 6 months. In XXXX, I asked them for help with my payment date change and was steered to a deferral of the payment to the end of my term. I was not advised that I would not be able to change the due date if I agreed to this action. I have called and written to them several times about changing my due date. This loan over 3 years old and I have never been 30 days late. However, they have deferred several payments and never informed that the due date change could only occur if the deferred payments did not occur within the past 6 months. They are now harassing me with calls the day after the XX/XX/XXXX, refuse to identify themselves, do not leave any messages, and now the calls are escalating in number to 4 or more times a day with some of these calls being from an unknown number. I feel harassed and I have several XXXX and illnesses where this harassment is creating unnecessary stress and duress. I have informed XXXX that I will continue to make payments and that their tactics are the reason the collection calls continue. Had they advised me of the due date change option accurately and appropriately, there would be no need for collection calls as my payment would be on time each month instead of 9-15 days late. I would also not being paying unnecessary interest and fees if they had informed me of this choice accurately instead of deferring multiple payments throughout the term of my loan. I still paid them within 2 weeks of the deferrals when I received my money. However, they do not apply the payment or any overage payments ( I almost always send more than the payment amount due ) to the principal balance of my loan as I have instructed on numerous occasions through their website and speaking to customer service. Instead, they lower the payment amount due on the next month. I feel like this loan should have a lower principal balance due to the instructions I tendered for application of my payments, and the harassment should stop. Stress exacerbates my illnesses, and harassment from XXXX is causing stress for me at this point. They have violated the FDCP in numerous ways as well as conduct predatory application of the money I send to my principal balance.
I contacted XXXX XXXX and was told to call Well fargo to gain online access..they both said I have to wait for the bill ... NONE ARRIVED .... 
I called Wells Fargo again and they told me they sent it and I had a past due amount ... I asked if they had the correct mailing address.. 
( THEY DID NOT ) .... 
they fixed it ..took a payment over the phone and I was told there would be no late fee as it was there fault for the wrong address ... ( she even showed it was returned : ( ( ) The bill shows up today ( X/XX/17 ) that says I owe XXXX on XXXX XXXX 
i attempted to set up on line access with the Number on the invoice ... 
No problem : ) When I call Wells fargo they say they can not setup my online payment account until I pay the LATE fee from XXXX : ( XXXX bucks .... seems WRONG!!!
I have been contacted several times by phone by XXXX XXXX to collect a debt that is NOT MINE. This person who owes has the same name, but not date of birth or social security number. I have already confirmed with XXXX person I spoke with and they verified through my DOB and SSN that I am not the person they are looking for and they informed me that they would take my name off the list and not call again. HOWEVER, THEY KEEP CALLING DESPITE THE FACT THEY HAVE VERFIED THE DEBT IS NOT MINE AND SAID THEY WOULD STOP CONTACTING ME.
SLS continues to improperly withhold PMI even after the LTV has dropped below 78 %. Many calls were made to handle this and the company states their policy requires a wait XXXX 45 days.
Im not sure about the debt. I dint even know what address this debt belong. I wrote original creditor and asked for signed contract but couldnt show one. I dont owe this debt and never knew where this cane from not mine. Perfect collection will not take off my credit report fir a XXXX account that I never signed up for. I have resided at my address for 6 years
After my Husband died, I requested a loan modification. They not only ignored the request they put my name on documents I never signed. They also refinanced the home with a 30 year mortgage and now Wells Fargo refuses to answer my questions or to take my calls
I was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC .
COMENITY XXXX AND ACCOUNT ASSURE CLOSED MY BENEFITS IN ERROR AND AS A RESULT, MY ACCOUNT IS NOW IN COLLECTIONS.
There has been a recurring charge on my monthly statements of XXXX {$30.00} for " Cash Advance Interest ''. 
I never have used cash advances. I finally called ( after neglectfully assuming that it would correct itself ) and spoke first with customer service and then to a a " finance manager '' named XXXX. 
I asked him to explain the charge. He fumbled for answers and then said he needed to go back in my statements. He went all the way back to 2011 which is when I opened the account. He could not give me any specific reason fro the charge but led me to believe it was something I had done. I asked for a higher authority and he said that all I could do was to write to their review department in XXXX. 
Is it possible that I have paid over {$2100.00} in unwarranted charges over these years?
I told XXXX XXXX that I had trouble with licensing at my job and would not be getting paid until it was fixed, they have called and emailed me repeatedly. I told them I could do $ XXXX/month until I am able to pay more and they told me no.
I cancelled my credit card with Wells Fargo XX/XX/XXXX. I received no statements until XX/XX/XXXX, when I received a bill for the yearly credit card fee for a card I no longer had or was using. I was also notified that it was late. I called Wells Fargo and resolved the problem, paid the balance with the agreement that they would send me a refund check, as they acknowledged that it was their fault, and that I had, in fact, attempted to close the account. This was not supposed to effect my credit, and I had no other late payments on any of my accounts ever. Well, I have n't checked my credit report in about that amount of time, and I now see that there 's a ding in my credit. I guess this is why it 's recommended that one checks their score every year? Hopefully it 's not too late for this to be resolved. Thank you.
I have been having a problem getting a dispute taken care of for several months now. On XXXX XXXX, I made a purchase with a company by the name of XXXX XXXX. I was supposed to receive some cosmetic products, but they were never shipped and I requested a refund. I have not heard from the company since so I sent a dispute to NFCU for a refund of the transaction. I submitted and faxed my information on XXXX XXXX, and received no details on the case at all. I contacted NFCU business services and they said they had no record of the dispute. So I filed another, and a month later still no response or even acknowledgement they received anything. I have sent the information to their mailing address, their fax number, even sent messages to them through their online page with no response. 

I can not get anyone to help me. 

Included is the charge. It is for {$7900.00} Even if I did agree to pay a 20 % restocking fee in the application ... ..I never actually received anything.
I have taken off XXXX quarter so my student loans came out of deferment. I logged onto the navient website it showed a total owing for the month of XX/XX/XXXX. I paid the amount in full. A week ago i started getting automated calls from them saying they have a message for me to log on to my portal. I did that today. It showed a past due amount for XX/XX/XXXX along with a small late fee. I called to talk to them - ridiculous. When I explained that they back dated a loan payment and needed to fix their issue they preceded to tell me where my payment went that was done XX/XX/XXXX - over and over and over again. Never listening or dealing with the fact that they back dated a loan payment that was not there when I paid for XX/XX/XXXX. I spent over an hour ( this is actually a short time for them ) on the phone trying to get them to understand the mistake they made. No resolution. I was charged a late fee, i wasted over an hour, and still had to pay the late fee. I took a picture this time of the website showing that no other monies were due for the month of XX/XX/XXXX. They do this continuously to get the late fees. They do not listen to what you are saying just keep repeating themselves about how I owe this and I owe that - I have no issues paying the loans, I just do n't like the deceptive, non responsive, and argumentative way they handle repayment.
I have a collection that was filed after my bankruptcy. It was filed by Central Financial Control who also does business as Syndicated office systems. I disputed ( XXXX ) and had the collection removed that was filed under central financial control and they re-opened it as Syndicated office systems ( XXXX ). Then they opened again with XXXX as Central Financial Control. I have contacted them and sent them copies of my Bankruptcy and all information and they refuse to remove it. It is sitting as an open collection. THere are no account numbers or dollar amounts on either one. They say that it was last reported XX/XX/2015, yet the collection was n't opened until XXXX, this date has also changed as the original open date was XX/XX/2015
Referenced XXXX Account # XXXX This complaint was closed because I was critical ill and unable to resolve the issue. 

Chase Mortgage Company foreclosed on property XXXX XXXX XXXX, XXXX XXXX, Louisiana during XXXX XXXX. I paid mortgage on this property and Chase Mortgage company had records of transaction. 

During calendars years XXXX and XXXX I reported this to the United States Attorney General because I received foreclosure documents for XXXX XXXX XXXX, XXXX, Louisiana delivered by the XXXX XXXX XXXX XXXX. 

Referenced XXXX Judicial District Court for the XXXX XXXX  XXXX Docket No. XXXX. 

Reference Account Number : XXXX Malfeasance in office by JP Morgan Loan Officers and Board of Directors. 

This is the third complaint I submitted to you for investigation. I never received a reply or answer due to anti-trust laws and malfeasance in office. My name is XXXX XXXX XXXX XXXX. I would like your agency to investigate mortgage fraud by JP Morgan and Chase Mortgage Company. In addition, I submitted information to the FBI regarding XXXX, XXXX, providing misleading information. During calendar year the application for modification loan was lost and misplace on several occasions by XXXX and JP Morgan Mortgage Company. After resigning from a Federal Agency I encounter these issues. I truly believe Seterus, LLC is associated with JP Morgan. I paid my mortgage payment on XXXX XXXX, XXXX, and XXXX reported that I had insufficient funds in my bank account. I visited XXXX XXXX and I was told the check was never submitted for payment. After this incident I completed a complaint with Federal Trade Commission. Also, I reported this predatory loan practices to the United States Attorney General and FDIC for assistance. ATTACHMENTS were submitted with prior complaints. XXXX XXXX  XXXX consumer complaint.
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/2018 XXXX with a XXXX process fee. Will not remove. Will not put agreement in writing for records. Threatened me. Will not set up payment plan or accept any payments at all. Kept asking for my checking account # or card #. Told me they could seize my bank account and sue me for more money to just pay the amount owed.
Now that the CFPB is proud of solving XXXX XXXX complaints I would like you to take a look to the complaint that I submitted back in 2012. ( XXXX ). The complaint was closed without even provide a response. Please review the complaint
I recently started a credit monitoring service and noticed several accounts that do not belong to me.There is also incorrect " late pymt '' entries from companies that I do have accounts with also.
United Collection Bureau , Inc. ( dba XXXX XXXX XXXX ) has contacted me multiple times attempting to collect an alleged debt. I have demanded that United Collection Bureau , Inc. provide the complete account number of the alleged debt, the name and address of the alleged creditor, and verification that United Collection Bureau , Inc. is authorized to act in loco creditore. United Collection Bureau , Inc. has failed to provide all of the information I requested.
Bureau of Account Management is attempting to collect a medical debt ( {$85.00} - XXXX 2015 ) that is not mine and have failed to provide any legitimate documentation on the false debt. Not only is Bureau of Account Management fraudulently attempting to collect an erroneous debt, but they have falsely reported this to all 3 credit agencies causing a significant decrease in my overall credit score. This predatory collection agency has violated the Fair Debt Collection Practices Act on all levels and I would like this resolved ASAP.
In XXXX XX/XX/2015 my wife & I were pre-qualified for a new primary residence home mortgage through Bank of America. We found a home we wanted to purchase & on XXXX/XXXX/XX/XX/2015 our offer on a new home was accepted by the sellers with a close date of XXXX. We immediately forwarded all the information to BofA to start the loan process. We provided all information that the bank requested and responded to them with any additional document requests the same day they requested them. Our closing date came & went and they only explanation we were provided was that our file was very complicated. On Tuesday XXXX/XXXX/XX/XX/2015 we were finally told that our loan had been 100 % approved. On Wednesday XXXX/XXXX/XX/XX/2015 the bank then informed me that not only was the loan not approved yet, but they wanted an additional {$140000.00} of liquid assets in order to close. After speaking with the bank, they then amended the requirement to {$15000.00}. I was able to come up with the additional assets that they required the same day & now it is Friday XXXX/XXXX/XX/XX/2015 and I still have no answers from the bank other than the file is in underwriting.
I received an email on XX/XX/XXXX that my card was closed due to a review of my account. I was told that my card was being closed due to delinquent activity ( from XX/XX/XXXX which was a card I never opened in the first place ) and a high credit utilization for my overall credit. I opened this card in XX/XX/XXXX after the " delinquent activity '' took place. I also had a higher credit utilization when I applied for the card then what I have now. I do not understand why it was ok for me to be approved, but now I receive a review ( which I did not ask for in any capacity ) in a better situation then when I applied and I all of a sudden lose my account. This is extremely unfair and frustrating. Now, my overall credit utilization will be a higher percentage and will lower my credit score. I also have never missed a payment and by the end of every month I have a XXXX  balance on the card. I tried to call to reopen my card and was told that it was closed and there is nothing that can be done, however, I can apply for a new card. How they can even recommend that is absurd to me as they just closed my account for " credit reasons ''. Miserable and unfair treatment.
In a previous CFPB case, # XXXX, I disputed incorrect reporting status from Transunion in regards to my XXXX XXXX XXXX XXXX XXXX XXXX. Transunion responded as follows : " We received your complaint about the XXXX Home Loans # XXXX and XXXX Home Loans # XXXX in your credit report, and apologize for any difficulty you may have experienced. XXXX items identified in your complaint have been updated to reflect as paid with zero balances. '' About 30-days later, that information was updated by XXXX XXXX XXXX! Transunion again reports a balance owed and the account in open status.
When I bought my house, I was persuaded by the low monthly payment XXXX {$1600.00} per month XXXX. I had a 30-yr fixed mortgage at ~3 %. In less than one year, that increased to more than {$2300.00} per month. I was told that the ( escrow? ) costs were underestimated and because the seller had made major improvements before I bought it, the taxes were increased. The realtor XXXX Weichert in New Jersey XXXX had not mentioned this to me at all prior to my purchase, even though I 'm a single woman supporting a family by myself. I complained but they told me it would go down later. It did go down a year later, but to {$2100.00} per month, still much greater than the {$1600.00} per month that I thought would be my monthly mortgage burden. Weichert of course knew I made ~ $ XXXX per year, and that I had substantial cash savings and no debt ( other than the house mortgage ), so they thought it was no big deal if my costs went up because I could afford it. They also unilaterally made a bid on this house that was higher than the bid that we had agreed to on the house, based on the neighborhood comps. Again, they just wanted to close the transaction ( this was almost 3 yrs ago when the housing market was still struggling somewhat because potential buyers were being rejected for mortgage loans XXXX. What Weichert did was completely reprehensible, if not illegal. They breached their fiduciary duty to me out of their own greed. I would not have bought this house had I known that my monthly payments would be this high.