WillisBack/dataset-financial-user-claim huggingface dataset:
My loan was transferred to Loancare in XXXX 2016. Upon notice we mailed a check to the address provided in the " welcome '' packet. After about two weeks and no sign of the check being deposited into my account, I contacted Loancare by phone to inquire. I was told it had not been received as of yet but not to worry because I have 60 days before there is a late fee assessed because it was a transfer loan. XXXX comes around and still no check deposited. I call loancare and they say they still havent received it. At this point, I go ahead and make a payment via the website ; however I did n't cancel the check yet because my bank charges a fee so I just hope they receive the check and apply it towards the next month 's payment. As of today, the payment still has n't been applied. In XXXX, I sent an email to Loancare via their contact us link on the website explaining that we will make XXXX 's payment by XXXX XXXX because we were having some hardship due to using funds for hurricane matthew. I NEVER received a response from them ; I went on the website to try and make a payment and was blocked from accessing the account page to make a payment ; however a week later, they send a collection agent to my home who leaves a big deliquent door tag on my front door with their phone number to call. Immediately following this visit, I contact the number and I 'm told by the collections representative that I am definitely blocked from my online account access until my account is current. I expressed my concern to him about their collection tactics in sending someone out to my home and he basically told me well you wont have to worry about that if your loan is current as if it were a threat. He also stated that the debt collector takes pictures of my home and submits it to Loancare. This was rather disturbing to know that someone could be watching my home/taking pictures. I then ask how can I make a payment if I ca n't do it online. I 'm then advised that I can only make a payment through them and there is an additional fee to make a payment with a representative over the phone. This fee is also in addition to late charges. I advised the representative I would call in later to make the payment. I tried calling the XXXX number that I usually call for automated account information since i 'm unable to do it online and I 'm blocked on there as well from accessing my account information after putting in my loan number and social security number as prompted. I do not think it is fair to block a customer from accessing account information electronically or having the ability to make a payment online when there is usually no cost to do so. They are forcing me to only have one payment option that requires an additional fee.
I have repeatedly notified Equifax that they have a duplicate account ( XXXX XXXX Credit Card ) listed on my credit report. The account numbers, date opened and balance are all the same. I have disputed this incorrect information more times than I can count. I have also disputed several other items that were incorrect but Equifax does not take the necessary steps to remove these items. This companies negligience is going to cost me my career. They are never held accountable for their mistakes and the consumer is the one that suffers. Is Equifax going to feed, clothe and provide my XXXX month old son 's need when their horrible reporting system is inaccurate and out of date and eventually costs me my security clearance and job? No. Of all things I have disputed I have never received anything regarding how they " verified '' these negative entries as I requested. This is because they do n't verufy anything. This is merely a ploy to make XXXX of dollars off consumers by peddling there so called " products ''. No one holds these people accountable and they dont care that the inaccuricies negatively impact many peoples lives. They also report inaccurate low credit scores using the incorrect and fraudelent activity that they report.
Opened a checking account with Capital One specifically to fund purchase of crypto currency but effort to transfer money into my virtual wallet was blocked and denied by Capital One. I want to spend my money.
XXXX to XXXX Td bank is processing transactions from high to low, rather than the order in which they are received. Transaction ( Re-ordering ) and when Transaction post to account to allow them to spread out the over draft fees. within a 4day period I was charged {$450.00} in over draft fees. 

Today I had founds available come to find out td posted {$170.00} in fees they say was from Friday, now my account is a negative XXXX and they will must likely change me another fee and a extended fee. 

I have XXXX kids one has XXXX my wife is not able to work every penny counts we live pay check to pay check, when I am wrong charge me but what td bank is doing Is deceptive and and should be investigated.
Macys credit card system application takes them a whole day to fix a problem, they do not give the right information to customers to the point that you dont know what to believe anymore. It is frustrating to wait and wait to get answers that only leaves you with more questions and upset. Im really disappointed at the customer service im receiving every time i call i feel like im making an out of distance call. I cant deal with the wait and non solution situation anymore.
After a period of financial difficulty, I received an offer from Wells Fargo for a loan modification to bring the account current and to lower the monthly payment. I needed to make a payment by the end of each month ( XXXX, XXXX and XXXX XXXX XXXX to qualify. To assure the payments were received by the last day of the month, I utilized XXXX 2-Day service. Apparently, the XXXX delivered the Priority Mail package with my XXXX payment XXXX weeks late! I did not know that this occurred until I received a letter XXXX from Wells Fargo stating the XXXX payment had not been received and that I was ousted from the Loan Modification plan. On the same day that letter was received from Wells Fargo, I received a letter from their attorney. I promptly replied to Wells Fargo and supplied documentation from XXXX showing the package was supposed to be delivered on XX/XX/XXXX, but did not arrive until XX/XX/XXXX! With that reply and documentation, I also included another payment for XX/XX/XXXX I believed that once Wells Fargo reviewed the documentation and saw that I attempted to make the XXXX payment on time and that XXXX mishandled the package, I would be placed back into the Loan Modification program. Unfortunately, today I received a letter returning the XXXX payment. I acted in good faith to make the trial payments as required. I believe that Wells Fargo should act in good faith, given the documentation and proof provided them, to continue the loan modification as originally offered.
I am filing this complaint because Equifax has ignored my request to provide me with the documents that they have on file that were supposedly used to verify the verizon accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under XXXX XXXX XXXX XXXX ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified. '' For some reason, Equifax thinks sending me a letter stative " it 's been verified '', is proof of verification which it clearly is not. Please resolve this manner as soon as possible
Time Share forcing in signing contract an not letting us to recede. 
Everything pertaining sent back as certified which all copies of letters were copied. Because the letter was post marked late which was not even 24 hours there not canceling the contract. 
XXXX companys are not responsive in returning calls or letters, or faxes. 
Yesterday XXXX/XXXX/16 the Bank is refusing the Recession we 're held responsible for contract payments. 
Asked if company 's requesting in canceling as the reply was No. 
Explained that we 're not paying as I done everything they asked to support this case, XXXX company 's were sent letters, fax 's, and e mails. 
Asked Barclay being the 3rd party if they could help in the matter, and refused! 
Both have opened case # referencing above. 
Pretty much feel like being forced in doing something of which we had on intensions of doing, and while were XXXX XXXX XXXX and on SS we were XXXX victimized.
First notice is a letter stating to pay the bill with discount. On the back it says it 's a chargeoff from XX/XX/2009. I do n't even know what this is. PA has a 4 year statute of limitations on debt.
The Tax lien is incorrect please remove. 
XXXX Recorder of Deeds Date FiledXX/XX/2010 Type Release of tax lien Reference XXXX Plaintiff STATE OF GEORGIA
My ex-live in girlfriend/office manager fraudulently opened accounts in my name. I submitted an Identity Theft Victim 's Complaint and Affidavit report with a demand for a copy of the application. I have been ignored.
Roughly 5 years ago, in my mid XXXX, I filed for bankruptcy. I hoped that by doing this in my early adult life, I could then be prepared to move forward with my life ( buying a home, starting a family ) in my XXXX. Now, at XXXX last XXXX XX/XX/2014 I started my search for a home! 

Upon receiving my pre-approval and getting my credit report, it was brought to my attention that there was an outstanding amount for {$3500.00} with XXXX on my report. I went back to my bankruptcy paperwork and yes, this {$3500.00} was in fact included in my bankruptcy -- it was paid, but somehow 5 years later was still a huge red flag of delinquency on my credit report. I could n't believe it had been sitting there for 5 years hitting my credit negatively. 

In XXXX, I sent a certified letter to XXXX XXXX XXXX XXXX asking them to remove it. I did n't receive a response. When I called to follow up on the status, they directed met to call the XXXX credit bureaus to have them take it off on their end. I ended up getting in touch with TransUnion via a form, and received a cryptic response of their " investigation '' -- the amount still was on my credit report. 

Today, I sit in complete and utter sadness -- my loan for the home I 'm looking to purchase is at a dead stop because of this incorrect listing on my report. I spent most of yesterday ont he phone with XXXX, asking them to remove it as swiftly as possible ( I 'm t minus 4 days until my targeted closing date ). Their response : " an investigation will take XXXX hours and a solution could take XXXX more days on top of that to remove it ''. I more than likely will be losing my opportunity to purchase this home because of their lack of response to my initial letter in XXXX, and their incorrect, sloppy administrative practices -- XXXX months of " deliquent '' has been hitting my credit report and now, preventing me from obtaining a loan to buy a home, despite years of work to repair and move forward from my early credit issues. 

I 'm devastated and do n't really know where to turn at this point. I plan on following up with XXXX today to try to make them remove it again, but I 'm terrified the sellers will be backing out and additionally, I will lose the {$14000.00} deposit I 've already submitted. I ca n't believe this is happening ...
I deposited a check for {$700.00} ( XXXX XXXX XXXX ) from a tenant in my home through Mobile banking. I was not aware until the next business day that a hold was placed on the account for 6 business days. I received a call earlier that morning regarding charges on my account that the bank wanted to verify. I verified the charges through a recorded system. When I spoke with my bank ( TD Bank ), I was told that I would just have to wait and that the instructions on my account were : 1 ) do not call the fraud dept. 2 ) do not allow the customer to call the fraud dept, and 3 ) the hold is a dynamic hold and that it will not be released until the end of the 6th business day which is actually 8 business days. I  deposited the check on XX/XX/XXXX, the hold is on until XX/XX/XXXX thus not giving me access until XX/XX/XXXX.
I recently paid off a student loan account ( XXXX Acc. # XXXX ) This account should be deleted from my credit file as the account is too old. 
Transunion keeps sending me investigation results saying " DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED '' Pursuant to the FCRA this account shall be removed
On  Sunday ,     XX/XX/XXXX  m y son,   XXXX   XXXX   called and confessed that he had accepted a " predatory '' loan on   XX/XX/XXXX   and he begged me to pay it off.
After reading the loan documents and speaking with the local representative at TitleMax (   XXXX   XXXX   XXXX  ,  XXXX , Texas  XXXX  ) on Monday,   XX/XX/XXXX   at   XXXX  . I told my son I would pay off his debt. I again called the local representative and was given the pay-off amount ( {$440.00} in interest and fees plus {$2900.00} in principal ). I also confirmed that this amount was due on  XX/XX/17  and would not change regardless of when it was paid. Therefore, I determined to pay it on or just prior to the due date.
On Friday ,  XX/XX/XXXX   at  XXXX  I again spoke to a local representative to see how I could make payment. I was informed that credit cards or wire transfers were not allowed. I explained that I was located in Florida and preferred to make the payment directly to TitleMax and not through my son. She informed me they would accept a debit card. I asked if I could use my corporate debit and she explained it needed to be a personal account. She said my son needed to be there in person to authorize me to pay off the account. I was good with this and transferred sufficient funds the next week to complete the transaction.
I decided to have my son go a day early " just in case ''. He was at their office today (    X/XX/17    ) about  XXXX  est. H e called and passed the phone to a manager named  XXXX . She explained that I had been misinformed and they would not accept a debit card over the phone. In addition, the payment had to be made from an account with his name even though we have the same last name and he had given me permission in person to pay. They (   XXXX   and  XXXX  - the managers ) suggested I wire funds to him ; however, by that time he might not receive good funds until the next day and I was already suspicious of their operation. Of course, I would also have to pay bank fees, which I was avoiding. It appeared to me they were creating obstacles to the pay off.
I told   XXXX   I intended to report this incident to the CFPB and asked her to provide ( email me ) a written explanation of their pay off policy. She refused, saying they did n't have one. I then asked if she would mind if I recorded our conversation and her description of the policy. She said OK, but then gave the phone back to my son.
So this is a nefarious operation that charges ridiculous fees/interest for loans and THEN makes it difficult to pay the loan in full, even when you try to pay. I believe they do this to trap people. If you find another lender ( private or institutional ) willing to issue a loan on better terms ( say you got a new higher paying job or better credit score ), it is impossible, based on their stated terms, for this loan to be paid by said lender, who would need to receive collateral ( title ) concurrently with disbursement. The borrower is trapped unless they can raise the cash separately. Luckily for my son, I have the cash and did not require title or collateral.
USAA offered a promotional balance transfer for 0 % for 12 months with XXXX transfer fee. The problems come with the way they are applying my payments. They are applying my payments only to previous statement charges. I made payments for new charges, but they applied them to my 0 % balance transfer balance from my previous statement instead of applying it to new purchases that were accruing interest, lowering my 0 % balance. Is this legal?
NEW COMPLAINT UNRELATED TO ANY OTHER CASES Credits not received.     Credit from  XXXX  on  X/XX/2017    for  XXXX . Never received.     Credit from  XXXX  on  X/XX/2017    for  XXXX . Never received.
SUBJECT : Fraudulent Transactions - CRISS reference # XXXX Reference is made to the attached letter dated XX/XX/2015. PNC advises that after a careful review of the documentation available and information provided by us, that the transactions were authorized and the merchandise or service requested using our card was received. Therefore, the claim was denied. 
I spoke to a PNC Representative at XXXX on XX/XX/2015 and informed her that we had not received the merchandise or in this case, the proceeds of the loan request from XXXX. I also advised the PNC Representative that we would be formally submitting a written appeal to this denial to the address noted on the XX/XX/2015 letter from PNC. The Representative also noted that she would place a note in our file that we were contesting the initial determination made by PNC. 
At the very mimimum, PNC should credit our account with {$580.00} given that I had advised PNC on XX/XX/2015, that my wife and I believed that the multiple transactions were based on fraud carried out by XXXX. The final transaction of {$580.00} was still in a pending status on XX/XX/2015. Please see my attached log of all e-mail transactions sent to PNC Bank and their responses. In particular, please note the following e-mail sent to PNC : Read Message Message List Send A Message Message Detail Subject : StopPayment Date : XX/XX/2015 Message : The following debit withdrawals were made friday. I now believe that this was a loan scam that I fell for. Is there anything I can do to void these tranactions? It involved XXXX for a loan. I was required to send these three transactions to cover insurance, processing fees and to increase my credit score. The loan company is not willing to refund my payments. XX/XX/2015 POS PURCHASE XXXX XXXX MD {$410.00} XX/XX/2015 POS PURCHASE XXXX XXXX MD {$710.00} {$470.00} 1 XX/XX/2015 POS PURCHASE XXXX XXXX MD {$370.00} {$1100.00} To assist in your review, I have included the following supporting documents : 1. PNC letter dated XX/XX/2015 ; 2. Summary Overview of the Fraud Matter ; 3. E-mail log providing our requests and PNC responses ; 4. XXXX Sheriff 's office IdentifyFraud/Theft report ; 5. Complaint Referral Form to FBI Internet Crime Complaint Center ; 6. PNC Bank Statements reflecting all the fraudulent transactions, including the pending status of {$580.00} on XX/XX/2015 which occurred after our e-mail notification to PNC on XX/XX/2015 ; and 7. Copies of all of the wire transfers to XXXX. 
Your review and reconsideration of our request to have all the monies restored to our account is urgently requested. And at the very minimum, the last transaction of {$580.00} should be credited back to our account based on the e-mail advisement we sent on XX/XX/2015 stating that the funds sent to XXXX were based on a fraudulent scheme by that company. 
Your re-evaluation and reconsideration will be most appreciated. If you require additional information, I can be reached at XXXX or by e-mail at XXXX Attachments
Evergreen Acquisitions continues to repeatedly call and harass my self, my mother and my father. Not only do they call their home phones, but in the last 2 days they have somehow found XXXX my parent 's cell phone numbers and are repeatedly calling on those lines as well. My father has repeatedly told them not to call him and in XXXX day they called him over 15 times. They told him that I had bounced checks all over the place and that they had not been paid since XXXX and that I was going to go to jail. While my father was telling them not to call him, XXXX said to him " blah, blah, blah '' and continued to harass him further. I am in the process of sending them a letter to stop communication, but I do n't think they will abide by it. 

In several instances, they called my house somehow making it appear on the caller ID that they were calling from the number of an acquaintance. I do not know how they do it, but I look at the phone and it shows my friends number, but it is them on the phone. They have left messages that say that it is a fraud alert and that someone is trying to open a loan in my name and then when I call back, it is them. They shout and yell on the phone telling me that I am going to jail for passing bad checks. I set up payments with them and missed 2. They are not the original creditor. 

They are causing major stress in my and my wife 's lives. My wife has XXXX XXXX XXXX XXXX which is why we have fallen behind and for them to call in excess of 25 times per day and also have their computer call with a fake fraud warning another 5 times a day is just not fair. We have rights, regardless of the debt being valid or not. This is just pain harassment.
Date of event : XX/XX/2017 ; Event Summary : Aggressive phone tactic to intimidate and frustrate me so that I will pay up rather than exercising my rights.
Event Details : Collector sent me a note asking to pay an seemingly unpaid amount. I called back, gave the account #, and requested that I wanted to dispute it and that I did not want them to contact me any further. But collector 's agent insisted in getting all my information including my full name spelled and telephone number. Upon my polite refusal to provide this information, collector 's agent got agitated and repeatedly kept me on hold multiple times, taking my time away from work thereby impacting my job. I politely requested to give me the address to which I can send a letter. But the lady kept me on hold and would not provide this simple information, for 20 minuted. Her voice was antagonistic, and after 20 minutes, she gave me the address, which is the same as that in the paper. Rather than saying that the address to which I should I write is on the letter, she wasted my productive time at work for 20 minutes. This is an aggressive tactic by the collector, for a consumer to give up and pay. She was also angry on phone started blaming me for the issue.
This agency has 33 items listed on my XXXX credit file IC SYSTEMS which is CRAZY and I DO NOT OWE. I want ALL of them removed. This is violation of my rights 29 items all stating I owe {$59.00} which I DO NOT 4 items all stating I owe them {$150.00} which I DO NOT
Opened a Simple account XX/XX/2016, linked my local bank to the account, made a couple of EFT 's from my bank and then started using it for purchases in XX/XX/XXXX. Made a {$2000.00} EFT in XX/XX/XXXX that was debited from my bank balance, yet is in limbo in the Simple account. That transfer seems to have triggered a review and verification. As of XX/XX/XXXX, my account has been frozen with an original standing balance of {$1200.00} and the XXXX not added to the total balance but shows up in the ledger on the phone app. I was asked to submit my ID, SS card and 2 recent bank statements in PDF format. Several calls, messages and months later, my account remains frozen and unverified. I spoke with a manager today and was told that the PDF 's I sent them directly from my bank looked scanned are not acceptable. I asked if I could have the entire {$3200.00} transferred/deposited back into my bank account and was told, " no ''. I asked how else I could get this resolved and they had no answer. I 've used PDF 's from my local bank for verification with other institutions in the past without any issues. Simple seems to think my bank has a problem generating the proper documents, yet they have no other solution for me to submit the proper forms for verification that would unfreeze my funds.
Mortgage company failed to pay taxes out of our escrow account. The taxes are now 7 months behind. We have been in constant contact with the mortgage company in the past 7 months. We were assured it was paid over and over several times by the mortgage company.. Several times. Have now received a letter from a lawyer for the city, stating they are going to begin the process of foreclosure if we do not pay the overdue taxes. 
Mortgage company is Nation Star Mortgage. Note we have NEVER missed a mortgage payment OR been late OR not paid in full our monthly mortgage payment. We also have email documents back and forth from the company saying the taxes were paid. And they still have not been.