WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX has offered me no reasonable options to make payments. I have hundreds in other bills to pay each month, I work part-time and I can't even live on my own or support myself because XXXX XXXX is a black cloud over my life.

My grandmother and I spent over an hour on the phone with a " customer service '' employee, a female, who realized that we both had a deficit when it came to our monthly income and bills each month after a financial examination. That being a reality, I still was not offered a reasonable option to begin payments. I was told that I " have the money '' .. even though I was in a deficit.

It is absolutely crazy how this company would rather drive people to insanity and depression instead of doing all they can to make payments affordable. To really ask if a co-signer, almost XXXX years old, would be " seeking full time work '' in order to help me pay the ridiculous amount is crazy.

I'm not sure what can be done, but the truth about XXXX XXXX and the type of greedy business they run needs to be brought to light, and the lawsuits currently against there shed light on how unreasonable this company is.
I have sent a cease and desist letter the loan company and they continue to harass my family, friends and myself.
NORDSTROM/TD BANK USA XXXX Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 114 % Balance {$1900.00} Balance Updated XX/XX/XXXX Credit Limit {$1700.00} Monthly Payment - Past Due Amount {$1900.00} Account has been closed/charged off since XX/XX/XXXX which is still reporting a balance along with reporting a delinquent payment history every month up until present day. The account was written off by Nordstrom who in turn sent me a tax form stating so back in XX/XX/XXXX/XX/XX/XXXX. Please stop allowing this account to continue to report negative payment for the last 4-5 years, I have no way of knowing who debt was even sold to therefore can not make payment even if possible please help!
XXXX/XXXX/XXXX I was contacted by XXXX XXXX of Procollect for an oustanding debt of {XXXX}. I asked what the payment arrangements were because I am not able to afford to pay this off all at once. He told me I could do 6 months which works out to {XXXX} per month. I told him that I could not afford that and were there any other options and he stated no and that he was going to mark my account as refusal to pay. I asked to speak to a supervisor and he refused. 

I asked him to send me something in the mail to validate the debt. I honestly have not received any letters from this company. He said he needed to look up my account again, said something about late rent, asked if I had a pen and paper so I could write it down and then he refused to validate the debt, saying that your company has already sent me something.
My home was flooded during the federally declared disaster in XXXX Louisiana in XXXX of 2016. My mortgage lender, Wells Fargo Home Mortgage, sent a letter to me dated XXXX XXXX, 2016 informing me that based on the status of my loan and insurance claim, my claim would not be monitored through the typical process of putting the check into a restricted escrow account and issuing payment contingent upon staged satisfactory inspections. I was instructed to proceed with repairs to my home and to send my un-endorsed claim check to their Loss Draft department, at which point they would endorse the check and return it to me. I received the claim check the week of XXXX XXXX and followed those instructions, including a copy of the aforementioned letter should there be any questions. Today the check was returned to me, with a letter indicating that I must endorse and return the check to them. I learned from a representative of their Property Loss department that my claim was re-classified as a monitored claim based on the value of the loss and that I 'd have to have an inspection completed before they would endorse the check. I was never informed of this change in status and it did n't occur until the date that they received the claim check. It was my understanding that the decision to not monitor my claim was based on my record as a good customer and likely the volume of claims they would be handling limiting their resources.
XXXX XXXX, XXXX I received a form letter that my mortgage was payed off. It is now XXXX XXXX and I am still waiting for a duly recorded satisfaction of mortgage.I have called Chase several times only to be told that there is an issue with the chain of title but after 18 months it should have been resolved. The XXXX XXXX XXXX tells me that they reject the submissions because the are not complete.
Today XXXX/XXXX/XXXX around XXXX pm I called to attempt to pay a collection account as Im trying to rebuild my credit. I have dealt with a half dozen or so collection agencies to do this very thing. The previous agencies were very helpful in helping me repair my credit. However, Pinnacle Credit Services LLCXXXX XXXX XXXX XXXX said they dont delete accounts and they would mark it paid in full or settled if I gave them all my vital information including my Social Security number before they would do anything. They wouldnt even send a letter saying that if I paid them it would be marked as I said earlier. They still wanted all my info. I dont trust collection agencies so I thanked them for doing NOTHING!!!
I 'm constantly hit with late fees on my Toys  R us Store card.  The latest being  XXXX . In  XXXX  I was hit with a {$35.00} late fee so I signed up for automatic draft from my bank. The site told me to continue making payments until I receive notice that it went through. So  XXXX  I ma de 2 payments 1 using  an outside banking app and the second on the company website. I used the same saved bank info that I used for the recurring payments so nothing was changed. The payments went through with no problems. In  XXXX  I made a payment on the outside app. So in  XXXX  the recurring draft went through and the money was removed from my account. Now I 'm told my payment did n't go through and I 'm charged a {$35.00} late fee.
USB contacted me because their records on me indicated I should qualify for refinancing my mortgage and equity line ( they 'd tried a year ago ). I wanted to have them all be XXXX loan ; I got told had to be separate and with a 20 yr. on primary. I never signed an authorization to proceed. I got several things in the mail including what to submit -- I began sending but had not done all the required documents yet and then saw that the amount of my primary mortgage was in as equity line instead of reverse ( a XXXX-fold difference ). I emailed ( the way we 'd been communicating ) asking for the mistake to be fixed saying I was not going to proceed until they did -- silence and today 's mail brought the expected rejection letter due to their mistake. I want it fixed and removed from my credit records since I am proceeding with my credit union given USB 's ghastly mistake and handling of the application process. 
Also, I was told there would be free appraisal and no fees which was not how the documents I received showed it.
On XXXX XXXX, XXXX I started a loan for a used XXXX XXXX XXXX. I paid the balance that was a total of around {$11000.00} down to {$3800.00} my last payment was XX/XX/XXXX. The monthly payment was {$300.00} for a total of four years. I contacted the business because the amount paid down was incorrect. Suddenly, it had increased by a few thousand dollars. The loan was through a company called Credit Acceptance. 

I was told by their customer service line to just continue making the payments as normal and that they would start a ticket to correct the information. I continued to call but I was given the same answer over and over. Eventually, they told me that it was interest but that was incorrect. I then decided to check the customer service reviews on the BBB website and there were a ton of disputes. 

I stopped making the payments because the debt paid down increased once again. Their customer service was not only poor but I dealt with people who were very rude and who threatened to take possession of my vehicle the day a payment is late. 

I spent hours and hours attempting to resolve the situation and in the end I was at a loss. 

Fast forward to after I halted the payments and according to my credit score I owe {$9400.00} and it keeps increasing even though it is in the " closed, charged off, '' status. 

I get phone calls, sometimes multiple times a day, from companies that claim they work for Credit Acceptance.  They're rude, I've had threats of garnishing wages and multiple continued calls at early times in the morning. 

I was going surrender the vehicle a long time ago but after I saw the price increasing I asked what could happen and I was told that the price would continue to increase until I paid it off entirely. So, I was stuck. Surrender the vehicle and continue making payments even though the amount would increase or keep the vehicle, never drive it, and  continue to receive harassing calls and watch the amount increase on my credit report ... 

What do I do? No matter what I've been told that the amount I owe will increase. So, I'll never pay off the owned amount and I've lost the use of a vehicle.
Violation of the collection practices act for a debt collector to Refuse or unable to validate debt to send a validation notice or fail to respond to your verification letter. Request documentation that verifies you owe the debt, such as a copy of the original contract., Ignoring my request for debt validation a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized statements or list of the alleged charges they claim I owe.
In  XXXX  I contacted my mortgage company at the time,  XXXX   (   XXXX   XXXX   XXXX  ) to try to get a loan modification thr ough MHA ( Making Home Affordable ) but was denied.      In  XXXX   XXXX  my mortgage was sold to  SLS ( Specialized Loan Servicing ).  I contacted them in  XXXX   XXXX  to try to get a loan modification throug h MHA. In   late  XXXX   XXXX  they denied my modification request. In that letter their reasons were incorrect, inaccurate, and inconsistent. In that letter they told me of the option to request a second independent review. In early  XXXX   XXXX  I sent them a request for a second independent review. Their letter stated that they wouldnt continue with the foreclosure process while being reviewed. However, in early  XXXX   XXXX  when I followed up with them they told me that my home was foreclosed on and sold on  XXXX   XXXX ,  XXXX .     I retained a lawyer to attempt to rescind the foreclosure and fight an unlawful detainer. I lost on the unlawful detainer, which will force me to move. I received an eviction notice and need to leave my property by Tuesday,  XXXX   XXXX ,  XXXX .     By foreclosing on my home SLS violated my California  Homeowner Bill of Right s.
They are calling my job and asking for my boss and Human Resources consultant, so that they can garnish my wages. They are threating to send legal documentation to my workplace.
Company is Wells Fargo Bank in Maryland I called on XX/XX/XXXX to see if Wells Fargo could assist me with a problem I am having with a debit payment to a XXXX. The XXXX harmed me and did not provide the service I paid up front in full for with cash. They said they could reverse the payment and run an investigation. PAID - XXXX XXXX XXXX CLAIM- XX/XX/XXXX Money reversed around XX/XX/XXXX Money taken back out of my checking account XX/XX/XXXX Wells Fargo did not follow the procedures that are in place in handling a claim There was no letter mailed to me There was NO communication of any kind to me about the status of the issue I called about a month later and was told the XXXX has only a total of 45 days to respond and if there is no response the money remains mine. It was close to 45 days so I just let it go and waited. I did not receive any further communication and after 45 days, as I was told, understood the claim to be closed. Suddenly with out any warning, I receive a call about 2 1/2 months later at XXXX telling me the XXXX  sent in a response and the claim is open and never was closed. Of course, I was upset. At that time, XX/XX/XXXX, I requested all documents to be mailed to me for review. I was told that it is not allowed until the claim is closed. I informed the rep than how am I suppose to review and see what is going on? The call ended there because I could not get any answers or help. On XX/XX/XXXX I went out to dinner and tried to pay. This is how I found out my checking account was severely over drawn an amount of {$970.00}. Wells Fargo did NOT mail me any letter nor informed me at all about reversing the claim. This has caused me great suffering. I am in financial hardship. I have no money for food, gas, pay my mortgage and bills, nothing. I have been unemployed for 3 years and was surviving till I start my XXXX job XX/XX/XXXXafter 3 years. This is making me very ill and stressed out. I have made a plethora of calls all day for 7 days now and went into branches trying to get help with this matter. NO ONE CARES AND NO ONE HELPS. Wells Fargo continues now to send me over draft notices and threats they are going to charge it off, ruin my credit and report it to XXXX. Incredible. They will not listen to reason nor negotiate this and discuss it. They are bullying me. This is not ethical to do this and impoverish someone such as this. Please help me. I have until XX/XX/XXXX till this is written off and it further destroys me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX
My tuition payment for XXXX euros to XXXX XXXX XXXX in XXXX, XXXX was due at the beginning of XXXX. However, because of an internal auditing issue, the university asked me to send my tuition to their subsidiary bank, XXXX, in XXXX. XXXX XXXX and I complied by converting the amount to XXXX pesos and then sending the payment to the IBAN and SWIFT codes provided by the university. It has been a month and XXXX still claims they have not received the payment. XXXX XXXX placed a trace but the result was apparently inconclusive ; XXXX was not very transparent with their end of the trace. XXXX XXXX has since placed a recall of funds but we have not heard back in 2 weeks. At the same time, the university is threatening me for having an outstanding balance on my tuition. Who is liable for what? What can I do to fulfill my legal obligations?
A check of whether my data and my husband 's data was taken in the XXXX breach resulted in a " your data may have been compromised '' response on the XXXX website. As a result I put freezes on our data with all 4 credit reporting agencies and then requested annual credit reports from all of them. The Experian report displayed a phone number that was not and never has been mine. I called experian on X/XX/17 to ask why an unknown phone number was on my credit report generated that day. They stated that it might have come from a creditor but could not provide the name of the creditor and the rep laughed at my concern when I asked for an investigation into what creditor sent them the data. I asked for a supervisor to get more information and he then hung up on me. I opened a dispute on the info within the online version of their credit report but their phone response was unsatisfactory, rude and unprofessional. Given the seriousness of this data breach none of these agencies should be treating these issues so carelessly. I have just received via email the results of their " dispute '' followup on the incorrect phone number. It just states that the phone number has been deleted from my report. This response does not explain how the incorrect phone number was added to my credit report in the first place. If they are that sloppy with my basic information he can we trust them with this critical data?
Account recovery services has contacted several people about my debt who are authority figures at an old job. They have contacted my old boss, employees, foremen. Disclosing that They have issued a judgement against me, and other personal information. There is no way they should have these people 's personal phone numbers. The place of my old employment was shut down and this company has gone out of their way to contact all the authority figures, on their personal numbers, who used to work there with me. I do n't even know how they went about acquire all of these people 's phone numbers. The info they have reported to these old coworkers is false. There have been no judgments against me. They have made no means to contact me. I have the same phone number and address for the last XXXX years and never once did they try to contact me by phone, mail, or email. 
They have also been contacting my family. Giving false info and sharing my debt information.
Citibank is reporting the wrong default date. I graduated XXXX, I had a 9 month grace period before I was in default I never made a payment. My default date should have started XXXX/XXXX/XXXX on all XXXX of my loans. They are not reporting it as such on my credit. I want them to correct that date. my 7 year period has ended.
I have Price Protection on my credit card XXXX through XXXX XXXX XXXX XXXX, address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX. I have submitted over 12+ claims this year with no problem. I submitted a claim for $ 20+ and had not received the funds, I also received a notice from my bank that one of the checks from the Price Protection was returned as unauthorized and that I would be charged a {$10.00} fee for a {$4.00} check. I called the Price Protection customer service, spoke XXXX on XX/XX/XXXX. She shared with me that I now needed to include my credit card statement showing that the charge on my receipt actually occurred as of late XX/XX/XXXX update of procedures. I had not received previous notice on this nor was it indicated when I filed my claim. She also shared that the check for {$4.00} was issued and then reversed, no explanation for it except she would look into getting my {$10.00} fee for a {$4.00} check refunded to me if I would send her a copy of the letter from my bank with a copy of the check showing that it was returned. I had not retained a copy of the claim for {$20.00} and it was no longer available for me on line. In the interim I did find that the item I purchased for the {$20.00} claim is now {$39.00} lower. I submitted my bank fee letter and the new claim for {$39.00} to XXXX 's attention per her instructions electronically in XX/XX/XXXX. I was told to given them 2-5 business days from receipt for them to process. I called onXX/XX/XXXX to determine where my refund is for bank fee and why had I not received the payment for the {$39.00}. I spoke to XXXX who advised me that my claim had gone for review and now it 's under management review, give them 5 more business days, she had no information on my bank fee reimbursement. I called today XX/XX/XXXX, spoke to XXXX who advised me nothing on my bank fee reimbursement and since it 's the weekend she does not have an update. I would need to follow-up during the business week even though they are noted as a 24 hour operation.
On XX/XX/XXXX, I purchased a new heat pump and labor and warranty services from a merchant, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, IN XXXX, ( XXXX ) XXXX. After attempts ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and requests with the merchant to providing warranty services to repair defects in the installation, I had to involve another company to fix the defects in installation which XXXX ultimately refused to investigate and remedy on XX/XX/XXXX. 

Chase has not provided me with any satisfactory resolution of my dispute and redispute ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) that this merchant did not provide all of the equipment, labor, and warranty services that were included in my original purchase. The amount of the original purchase price for all equipment, labor, and warranty services was {$2100.00}. The amount that I had to pay for the warranty services not provided by the merchant was {$1300.00}. This amount was paid to XXXX XXXX XXXX  XXXX XXXX and XXXX, XXXX . This amount of {$1300.00} is the ultimate amount that I am disputing was paid to this merchant services that were not provided. My disputes with Chase Visa were within the published time frame requirements for chargebacks to the merchant. Chase did not provide me with any information that they attempted to or did in fact correspond with the merchant regarding my dispute.
I was called by Premiere Student Loans on XX/XX/2018. They told me that I am eligible for student loan forgiveness. They said the federal government was going to forgive 70 % of my loans on an income-based forgiveness program if I provide them with 2 of my pay stubs, told me all of the amounts that I now owe ( approximately {$10000.00} ) and started me on a payment plan for 245 months. For 5 months they will take {$230.00} from my bank account and for 240 months they will take {$40.00} on the XXXX of every month. They have my card information, social security number and changed my FSA ID password. 

Here is the contact information from the student loan advisor I talked to : XXXX XXXX Student Loan Advisor PREMIER STUDENT LOAN CENTER Direct XXXX Fax number XXXX XXXX XXXX
I applied for a cash-out re-fi on a property i own free and clear. My loan was conditionally approved. The lender request that I provide additional documentation to explain my social security XXXX income. I had already provided several forms of verification such as award letters ad bank statements. My loan was put off for 2 months and then reassigned. I was then asked to provide documentation as to how long i would receive social security. I provided a letter from social security showing that i had recently been re evaluated and and my XXXX was continuing. I was then asked to provide a letter from my doctor.
I need two issues fixed. I signed closing loan documents on XX/XX/XXXX for a student loan refinance greater than {$73000.00}. When my loan funded on XX/XX/XXXX, SoFi began charging me interest on this large sum the day of funding. However, instead of a wire or ACH transfer to my two refinanced institutions, it seems they mailed checks to pay off these lenders. At least that is what the rep said on the phone today. Essentially, I was paying double interest even though SoFi still had the money in their account. When I emailed SoFi to seek correction, I was told interest on my old loan stops accruing the day before my loan funded ( XX/XX/XXXX ). They were wrong. I was also paying on {$62000.00} of this loan at my previous lender too. SoFi should either send funds via wire or not charge until the checks clear their account. The point of my refinance was to save in interest payments ; not to double down on the amount of interest I am being charged. I called today to correct this and also opt out of third party sales as allowed by the Gramm-Leach Bliley Privacy Act ( GLBA ). SoFi 's notice says I can opt out by calling them or online. When I called, they told me I needed to go to their website. I could n't at the time and asked they perform the opt-out for me. She refused. When I asked for a supervisor, she hung up on me. I should be allowed either method offered and not be bullied into their preferences. I still would like to confirm I am opted out of the California and national solicitations.
I have 1 credit reporting company that has several inquires on it that I didn't authorize. I called Transunion and they refused to investigate or remove the inquires. The inquiries in question are below. 

XXXX XXXX Bank Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX DC Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX and XX/XX/XXXX
i just ran a credit report on myself, and could not print an online copy due to what seems like identity fraud. I have seen on my report from equifax that someone has opened a mortgage loan as well as a a car loan and credit card under my information, when I have n't done this.