WillisBack/dataset-financial-user-claim huggingface dataset:
I called my American Express to seek help with some problems with companies who took my money and never rendered me any services.I had to call several times as I feel the representative did not want to work on my problems because I was disconnected.I had two girls say no problem we will get them in dispute, then i was transferred to another girl who said it was to old.I explained to her that the merchants merchandise was not as described.I explained to her my husband and I are both legally XXXX and the company said no problem we will take care of everything.American Express told me so many different stories I still do not understand.They would not look at XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.I was run around to seven different people who all seemed to have a different way of doing things.I talked to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, ,and XXXX.I still did not get an answer.I heard so many different scenarios I was left feeling like I was just pushed around from one department to another without getting a definitive answer.Please help me get my refund as I never received any service for all this money.
My mother who was a US Veteran XXXX in XX/XX/XXXX at the VA hospital. Prior to her XXXX  she was adamant that she had drafted a will and the property was being left to my XXXX brother and myself. Unfortunately, we could not locate the document after she XXXX and was required to go through the probate process. Also of note was the fact that my mother said that she had life insurance to cover XXXX and XXXX expenses but the monthly payments were switched from autopay at some point during her last year of life and the policy lapsed 12 days before she XXXX. Essentially all the expenses for her XXXX and the mortgage payment fell to me. I used every dollar of credit I could to make sure she was able to have a dignified XXXX service. I quickly started drowning in debt and became 90+ days behind on all my creditors and eventually have had multiple creditors close my accounts since the XXXX. Because of this extremely dire financial situation my goal was to sell the property as soon as possible and make all creditors whole again. The problem is that I could not afford a lawyer to help with the probate process so I could not legally speak on her behalf to the bank and/or sell the house without being designated as the executor of estate. My hands had been completely tied until late XXXX of this year when we were cleaning the property and actually found her will. After finding the will, I was able to get the state to designate me executor of estate ( XX/XX/XXXX ). I knew there was a sale date on the property set for XX/XX/XXXX so I immediately signed a contract with an investor to purchase the property, as-is and pay the mortgage off. The investor agreed to a specific amount and a week later came back and offered {$25000.00} less than the agreed terms so I declined and searched for a new investor to purchase the property. I then signed a second contract with another investor and they came back a few days later and wanted to give us an amount that was {$17000.00} less than what we agreed. As the executor of estate my responsibility is to ensure all financial obligations my mother had at the time of her XXXX are reconciled. I want nothing more than to pay off the mortgage and also get myself back out of debt as well through the sell of the property. I am requesting more time to get a realtor and put the house on the market. If the bank can put a hold on the upcoming foreclosure sale so I have time to market the property properly then I know we can come to an amiable solution for everyone.
The Consumer Financial Protection Bureau is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Ive respectfully submitted a complaint # XXXX with The Consumer Financial Protection Bureau with the intention that CFPB is an independent federal agency built to protect consumers, write and enforce rules that keep banks and other financial companies operating fairly and also educate and empower consumers, helping them make more informed choices to achieve their financial goals. I believed in those goal and respectfully submitted my complain via your website complaint number XXXX in regards to what I believed was a direct violation of my Fair Credit Reporting Act 15 U.S.C 1681g ( I have the right to demand that Experian disclose to me all of the documents that they have recorded and retained in their files at the time of my request concerning accounts that is reporting in my credit report. ) Ive submitted my complaint on XX/XX/XXXX and received a companys response on XX/XX/XXXX with response type Closed with explanation. However, the response I received back from Experian did not fully address my issues or demands. Experian did not acknowledge the additional information Ive provided and the most current 3 disputes Ive submitted in the months of XXXX and XXXX in which I uploaded via your website proof of additional information which I provided to you ( Certified mail cards, debt validation letters I sent to the companies certified mail or my 3 previous dispute requests. I upload a total of 9 items and receive a Company response which ignored all relevant information coming from me the consumer.
I applied for mortgage payment modification XX/XX/XXXX, received notification for trial modified payments starting XX/XX/XXXX for four months trial, paid modified payment all four months on time or early. Modification not completed and told each month to just keep making the modified payments, nothing more for me to do.I received a letter XX/XX/XXXX stating that I would be notified within 30 days or less of approval or denial. Long story short ... all required modified payments paid and accepted until the modification was denied XX/XX/XXXX ( year later ) I paid the required and accepted modified payments from XX/XX/XXXX to XX/XX/XXXX, on time or early each month. It was no of fault of mine that the modification did not go through and the negligent practice of the mortgage company kept the process going for over a year before being denied then reporting my credit as behind the whole year. I have been unable to refinance the mortgage because of this report, even though I was required and paid back all of the differences in the payment vs the modified payments for that year. I was reported as late or missing payments for the whole year of XX/XX/XXXX-XX/XX/XXXX and that is not accurate information, I paid the required and accepted payments each and every month, without being late or missing any payments.
I was told by XXXX I was not under contract with them when I decided to change carriers to XXXX They tried to charge me an early termination fee, which is now in debt collection, but it is based on inaccurate information they provided.
On XXXX/XXXX/XXXX, upon returning from a work conference out of town, I opened a letter from the Credit Clearing House of America. This stated that I was being sent to collections for an unpaid bill from XXXX XXXX of {$490.00}. I could n't recall ever seeing a bill for this so I searched through two years ' worth of bills that I received through mail and via email. I could find no record of this bill. 

On XXXX/XXXX/XXXX I called CCH and they suggested I call XXXX. At XXXX I spoke with XXXX. He said the bill was for service dated XXXX/XXXX/XXXX. I told XXXX I had no knowledge of ever receiving this bill. He stated that his records showed XXXX XXXX had never sent me an invoice for the service. XXXX said he would speak to a manager and call me back. 

In the meantime, I searched my bank accounts to see if perhaps I had paid the bill and did n't remember. I could find no record of a payment in my current bank accounts. Unfortunately, my bank account in XX/XX/XXXX is different than my current account. I called the bank but it would cost an exorbitant amount of money to get those statements. 

I called XXXX back on XXXX/XXXX/XXXX. I spoke with a different representative, XXXX. She also confirmed that XXXX XXXX had never sent an invoice. This representative stated that they sent the debt to collections on XXXX/XXXX/XXXX. The first letter I received from CCH was XXXX/XXXX/XXXX. I did tape this conversation and have that recording available to validate never receiving an invoice. 

Upon further research of this issue, I found references to a term called " parking '' a debt - where collections will not act on a debt until the person applies for a mortgage or loan. My husband and I had inquired about a mortgage in XX/XX/XXXX.
I made a dispute on All 3 credit reports about a inaccurate item XXXX XXXX XXXX # XXXX this item is not reporting 100 % accurate information. I have asked for a copy of the original signed contract from the credit bureaus and they refused to send my copies for the original signed contract from the creditor which they wont provide, they just keep saying the account is verified well if that's so by law I am obligated to see the original proof of contract that the creditor supposed to have in they flies so that I know that this account is mines and was signed by me XXXX XXXX. they have failed to send me proof about the XXXX XXXX XXXX  account. this information is supposed to be given when I request for it. they need to delete this account is they don't have proof. send me proof of the signed account original contract so I know this belongs to me that I signed for, or delete it .. its a fraudulent account that they reporting
On XXXX XXXX, 2015 I went to XXXX XXXX in XXXX XXXX to pick up silver jewelry samples that were promised to me to be completed on this date. The company told me I had to pay {$550.00} more in order to receive the silver models. I paid on my Citicard and was told to return the following day to pick everything up. When I went back the company refused to release the silver pieces. 
When I returned to the US, I was sent a contract from the company stating they owned everything. I have not received anything that I paid for. This was fraud by XXXX XXXX.
Hello CFPB, I received multiple phone calls from a rude man named XXXX XXXX XXXX from Nationwide Debt Collections on XXXX XX/XX/2018. XXXX  first called me at XXXX XXXX on my cellphone, and then proceeded to call my work company three more times after, back to back, an hour or so later. After he called my cell phone to which I answered saying I was at work and that I would return his call shortly, he called me work phone which he is not allowed to do. I specifically told him not to contact me at work and to only contact me via my cell phone, and that I was unavailable to talk at that moment because I was at work. He then called my work phone again, and created lies saying that my dad didn't care if I went to jail or got sued, and he said my dad was swearing at him when he just got off the phone with him and he was upset at my dad. It was clear he was taking his anger out from my dad onto me, because my dad did not want to speak with him. He called an additional two more times, to which I asked my coworker to answer because I was feeling very overwhelmed and harassed by this rude man. He then started talking very rudely to my coworker, and told him he was a collection agency and that I owed money, disclosing very personal details to my coworker which he is certainly not allowed to do. He has a very aggressive nature, and my coworker was severely taken aback by XXXX 's behavior.

We already told XXXX that we are willing to go to court over the debt amount, but he still was harassing us and trying to scare us into paying. He also kept changing the amounts we owed.

I believe XXXX XXXX preyed on me because I was young, and he tried to get me to pay using deception and fear. I have never in my life spoken to someone so rude and overall as terrible as a human as XXXX. He is not allowed to harass me and call me employer several times, even after I explicitly asked him not to. He is also not allowed to harass my family members. He is not allowed to tell my employer about any of my personal stuff. He violated all these rights that I am protected with, and it is simply not okay.
Per Navient, I am eligible for an Economic Hardship deferment. On XXXX/XXXX/16, I submitted my EH deferment application, and my confirmation told me that I had 30 days to submit proof of income. On XXXX/XXXX/16, I faxed proof of income ( bank statement ) to Navient. On XXXX/XXXX/16, my EH deferment was denied because of no proof of income, mind you, I had faxed it ( I have fax confirmation of this ). On XXXX/XXXX/16, I received an email from Navient saying that my EH deferment could n't be processed because I was " missing information. '' On XXXX/XXXX/16, I uploaded on Navient 's website the following : the XXXX/XXXX/16 email response with the required and necessary supporting documentation ( I highlighted what was required and what I included which is EVERYTHING Navient asked to be included ), the same EH deferment application, and proof of income ( bank statement ). I had n't heard back from them. On XXXX/XXXX/16, I uploaded my EH deferment application again with all supporting documentation. I had n't heard back from Navient. On XXXX/XXXX/16, I faxed the EH deferment application with supporting documentation. As of XXXX/XXXX/16, I have n't heard from Navient, and my EH deferment application has n't been processed. Mind you, Navient has sent me a " 1st delinquency letter. '' I do n't know what the issue is with Navient, but I searched online for Navient reviews, and they are not positive by no means. I would hope this is n't the case, but it seems like Navient is trying to get borrowers ' loan into delinquency or default so it can demand more money/full payment. Navient also seems to operate more like a collection agency than a student loan service provider, and if so, it is questionable why Navient is handling student loans. It might be time for an investigation into Navient 's practices.
XXXX transferred my XXXX card into a XXXX XXXX card. When they did so, they failed to maintain my auto-bill information on file and did not notify that such information would not be transferred. As a result, my payment was not auto-paid as I requested. I now have a derogatory mark on my credit score that will not go away for 7 years. I would like XXXX to clear the derogatory mark and waive all late fees and interest charges associated with their failed transfer.
We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXXXXXX XXXX XXXX XXXX XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX XXXX XXXX.
Citi Credit Cards Benefits denied my claim XXXX for {$370.00} for delayed trip protection. On XX/XX/XXXX, I was flying from XXXX ( 46 Minute connection ) -XXXX . My first flight got delayed by over an Hour, hence I was not able to make a connection. This required me to stay overnight in XXXX, delayed my trip and I had to fly the next day. 

Terms and conditions says, If a Covered Travelers Trip on a Common Carrier is  delayed for at least 3 hours, we may reimburse you for expenses incurred because of the delay.. In Addition, it says Trip Departure Date means the date on which the Covered Traveler ( s ) are originally scheduled to leave on the Common Carrier. Trip Completion Date means the date on which the Covered Traveler ( s ) are scheduled to return to their point of origin or to a different final destination..

An excuse for the denial given is that since my first flight was only delayed by over an hour ( Not 3 Hours ), it 's not covered even though it completely contradicts what terms and conditions state. As stated above if your WHOLE trip is delayed, not only a first flight, you are covered for incurred expenses. When I asked agent to provide me to which terms and conditions she referring to, I was told she does not have any, and it 's up to her to Make up the rules. In addition, she hang up the phone after she was not feeling comfortable with me quoting terms and conditions where she is clearly wrong.
My wife received a statement last week from Bank of America for a Core Checking account that she never opened. It was addressed to her parents which was her old address, so luckily it got fwd 'd onto our new address. It was also in her maiden name, which is another sign of fraud. We called Bank of America 's fraud department, waited for a rep for 80 minutes, explained the situation, he confirmed our identity, looked up the new account, then we asked how this ever got opened since we never did this, and also asked if this was an account setup by a Bank of America employee to get a bonus, then he put us on a hold and then hung up on us. We are fairly certain this has been unresolved, and that Bank of America opened this account without my wife 's permission. I looked up the details of the Bank of America Core Checking account and see there is a fee associated with the checking account that we never opened. Bank of America does not have a branch or ATM in the state we live in, which is another red flag.
Original Inquiry : My compliant is with Nelnet. Apparently they handle DOE cases but I have compliant which needs to be heard. My case was opened on XX/XX/XXXX to discharge my federal student loan based on my XXXX-confirmed by the Social Security Administration. I changed my status to Veterans Administration XXXX XXXX. It has been seven months since changing my XXXX status, nine months since my case was opened and three months since I supplied additional documentation. Nelnet has responded, in an unprofessional manner, confusing correspondence and an extremely slow response. It is painful working with Nelnet. They have the VA and Social Security XXXX form Please advice Sent On - XX/XX/XXXX I  appologize for attachingidentifiable info but it's important to see my VA rating Case Number
My wife and I bought airplane tickets to XXXX for a one week vacation. My wife was in a XXXX and suffered a XXXX. She underwent XXXX. The doctor ordered a 5 day XXXX XXXX. In order to accommodate the doctor 's order I had our return flight plane tickets moved two days back - incurring a variety of fees and charges totaling XXXX {$600.00} per person, The mastercard website says " Provides reimbursement for non-refundable cancellation or change fees if you are required to cancel a trip, prior to departure and reimbursement for eligible travel on a common carrier in the event your trip is interrupted due to a covered reason and you have purchased your common carrier tickets with your eligible MasterCard card. '' It seems pretty obvious to me that we qualify for reimbuirsement from USAA/MasterCard. 

I contacted USAA with regard to making a claim and they referred me to file a claim with a company called XXXX. Despite the fairly easy open and shut case I presented, XXXX rejected my claim. In my humble opinion, XXXX is a company in the business of not paying claims. The claim ( # XXXX ) was extremely difficult to file as XXXX employee XXXX XXXX claimed the documents I was require to upload to the XXXX server " were corrupt before I uploaded them '' so he could not " see them ''. Kind of annoying like someone telling you the letter you sent them arrived wet and they know you mailed it wet. Also, the XXXX Fax line was often down and XXXX made contradictory statements with regard to whether the documents I uploaded repeatedly and faxed repetedly were viewable. In the end, I am left with the impression XXXX is in the business of not paying claims. 

Regardless of what XXXX and USAA have agreed upon, it is my opinion that USAA promised to reimburse my airline fees and has not done so. I will upload documents that support my claim.
OK we purchased our home in 2007 here in XXXX Oklahoma, he put down ex amount of dollars then financed for 30 years, they had us on a variable interest rate instead of a fixed rate like we wanted. We started getting harassed by the loan company about our payments etc. they never have had our balances right yet, no matter what we did the company would claim that we were behind on payment being deceptive then if we send large amounts of money then we would go back too normal payments. There was times we sent thousands of dollars or even hundreds. Then we would still get XXXX over and never get the same amount due each month. We have never had the same amount due each month so therefore we could not budget our self cause the loan company was so crooked. They would claim that we could send a fax for a renew of lower interest then they would claim that they never got the packet. We then were sold too XXXX and they did the same thing but worse, then it went too XXXX XXXX XXXX. We have been taken advantage of greatly, no matter what we do or what limb we go out on they pretend too play the same ol game. I feel that we are owed a refund of damages and stress related issues they have put upon us. Then they send a threating letter too do legal actions on the house were does this dishonesty stop? Then we have SPS whom sent a threating letter saying we better pay XXXX dollars plus attorney fees, now this law firm is not in the crooked scam too deceit us. All the money has went too interest ever since 2007 and none applied too principle. I even had id theft years ago and the sheriff here did nothing about it, now I have trouble with interest and loans that I get cheated out of. I wish for a settlement and these scams stop.!!!! I can not afford an attorney If I did Id like too sue the them for punitive damages and stress related problems we have had not too mention phone harassment for wrong balances etc. We have changed our home phone several times and XXXX XXXX XXXX must be selling or providing our home unlisted no. where is the legal issue here?
I have sent XXXX letters to Trans Union and XXXX to have hard inquiries removed that was not initiated by me. I have asked for signed verification that I initiated and it has not been proven. Inquires that are not initiated by myself to be removed.
My financial lender calls about ten times a day. They have called everyone on my reference telling that I need to pay when the due date on the bill says. They have even called my boss. This happens on a daily basis at least ten times a day. I m scared my boss will fire me.
I have disputed the late payments on XXXXL XXXX XXXX.. The credit bureaus refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP