WillisBack/dataset-financial-user-claim huggingface dataset:
I am having issues with US bank with my business credit card. My card was lost and it was used for several charges. They have denied my claim and have not shown my the reason why other than by phone that they are saying that merchant verified ID and that is impossible that any of these merchants verified Id because my Id was not lost with the card. My card is at risk of being closed and i have tried to resolve this issue with US bank on several occasions and they always say that i will receive a call back. I am going to include my Id to this complaint so they can verify. I need this matter resolved ASAP as this has already gone to long to trying to come to a solution.
I visited the ER at XXXX XXXX on XX/XX/XXXX. I paid the {$250.00} co-pay at that time and I have the receipt. I received a billing notice for {$250.00} from XXXX XXXX and called them on XX/XX/XXXX and explained to XXXX/patient service rep that my {$250.00} co pay was paid at the time of my ER visit. She said she would correct their records. <P/>I received a letter dated XX/XX/XXXX from AMCOL Systems ; a collection agency stating I owed XXXX XXXX {$250.00}. I immediately sent them a copy of my receipt with proof the {$250.00} co pay was paid through my health savings account. <P/>I received another letter from AMCOL Systems dated XX/XX/XXXX stating I still owed this amount, along with an itemized bill from XXXX XXXX. <P/>I called AMCOL Systems on XX/XX/XXXX and spoke to XXXX. I explained my situation to her and she kept telling me that they are trying to collect a debt. I kept telling her there is no debt as I paid my copay at the time of my ER visit. <P/>This collection is now on my credit report.
I am writing to file a complaint against Prestige Financial Inc. for harassment and illegal collection practices. I have had the nightmare of dealing with this company, and it is time someone put a stop to their tactics. My account representative is XXXX XXXX, and he has, on numerous occasions, threatened me, belittled me, and insulted my character through emails, text messages, and telephone conversations. Yes, I have had difficulty making payments but it does not warrant being subjected to this type of treatment. He and the XXXX of Collections, XXXX XXXX, have harassed me day after day. I have emails and phone logs to substantiate this claim. They have called me a liar, questioned my ability to be a man, and told me that I am not a good person. This is totally uncalled for, and does not make for good business. My final straw, was today, my wife was at church for bible study, and my XXXX informed her that there was a message on the church answering machine for me. She listened to the message and it was XXXX XXXX, he stated, " This is XXXX and I am calling about one of your church members ( my name ) and his ( my vehicle make and model ) I have been trying to reach him so will you please ask him to return my call ''. I could not believe that he went to such great lengths to shame me, when he and XXXX had just spoke to my wife a week ago and she made a payment and informed them that she would be calling back the last Friday of the month to make another payment. They agreed that they would accept the payment and that she could call back the last Friday of the month with another payment. Since she spoke with them, they have contacted her on four times in 2 days saying " we are just checking to make sure that you are going to make good on your word and make a payment, call us back to set up a payment. '' Need I say, we have not made it to the last Friday of the month, and they have contacted my church ( which is not listed as a contact on my account ) and XXXX of my family members.
i send a letter to ENHANCED RECOVERY COMPANY to dispute the validity of alleged debt in the entirety of {$830.00} from the creditor known as XXXX for an alleged disconnected mobile service.My specific dispute with ENHANCED RECOVERY COMPANY alleged debt is based on the fact that i only have 1 month service to XXXX.I am requesting them that the following information be supplied ; a detailed description of the service for which this alleged debt is owed ; an itemized description of how the alleged debt was calculated ; and copies of document showing that i agreed to purchase any product or services to XXXX they did not send me any letter about this alleged debt i only know this when i check my credit report.
XX/XX/XXXX {$830.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$2200.00} I send the merchant iknowlodgment of latter for canceled service and refunds my full amount, chase credit card Dispute department refuses to credit or issues my refund back to my card and delay the process and send me Computer standard generated respond Same respond to all the disputes without any no response from the motion and the show is a valid charge XXXX credit card services is not working the right consumer right and hoping for me to give up my Dispute there for I need exercise my right with this practice credit card is is doning against it 's consumer chase visa credits card also threat to report my card or dispute resolution to the three report agency without my approval from me or discussed with consumer frist of any knowledge, thank you
I paid off XXXX credit cards in full XXXX month. XXXX XXXX Bank and XXXX Citicard. Citicard is attempting to charge me interest this month while XXXX Bank is not. Is this legal? I paid XXXX days prior to the due date.
kmart had a program to lease at there store I leased a tv total cost XXXX if I was to purchase it on the lease you had to pay at least the price of the tv in which I did and then I called them to come pick up the tv I no longer wanted it the said they could not pick it up but they had a recovery team that did that I said fine but I did not want any more payments made they said they would take care of that and they did months went by and they still had not pick up the tv and then they called one day and ask if was willing to pay a discount price to keep the tv I said no I already paid more than it was worth they made XXXX more offer that I refused never heard any more and know they have put me in collection for XXXX iam in process of rebuilding my credit so you know what this to my score by the way they to this day have not pickup the tv it is sittingin my garage they have place there claim with a company called XXXX XXXX l hope you can help me when you file a complaint with credit bureau they come back and say we check and they say you owe the bill thank you
On XXXX I opened XXXX CD 's in the amount of {$200000.00} each with XXXX in XXXX NY . CD 's term was13 months and were automatically renewable. The CD certificates were placed in my safe deposit box in the same bank. These CD 's were not redeemed, were discovered when I went to close my accounts and safe deposit ( which had not been opened in years ) box at what is now Wells Fargo Bank and discovered the XXXX Cd certificates, submitted them to the bank for redemption and was told that they had no records going back that far, and refused my claim. The issue is compounded by the mergers of XXXX XXXX into Wachovia in XXXX and the merger of Wachovia into Wells Fargo in XXXX.I believe the CD 's were in force at the time of both mergers and represent a debt obligation the must be honored by Wells Fargo. My CD records may have been lost in the mergers. Wells Fargo agrees that my original CD certificates are evidence that I opened the accounts ( copies of the CD 's will be forwarded ), and has not been able to provide any evidence that the accounts were paid or closed. The desired resolution is the redemption of the XXXX CD 's including accumulated interest for the years XXXX. I have tried repeatedly to resolve this issue and must now turn to the CFPB for help. 
The Cd # s are XXXX and XXXX. 
My information is : XXXX, NY XXXX. 
Email XXXX Phone XXXX XXXX XXXX
On XX/XX/XXXX I called to extend the payment as my Social Security benefits come once a month. I was told they could not extend the payment to the date I receive my check because I had extended a payment already. This is their policy. I have never received anything from them stating this. My automatic withdrawals are twice a month on a XXXX balance and are charging XXXX with each payment of XXXX this is 2 times a month and I can not reduce the balance.
I have been stuck with Ally begging for a lower interest rate for years. 
They do not budge -they rather me have a hard time making paymentsI have 2 years left to pay and since my financial situation has gotten worse Iam requesting help- they do n't budge, they rather extend my car paymentanother year and half, that is not help. It like im stuck in a bad relationshipwith no way out. Am I late on payments sometimes yes but its because imstruggling! Why not help? They rather I turn the car in?
I received a letter from Zwicker and Associates LLC., dated XXXX XXXX, 2016, demanding payment on a loan assigned to them by XXXX for collection of {$23000.00}. However, the same loan was previously assigned to XXXX XXXX XXXX, which agreed to cease and desist on this account, via attached letter dated XXXX XXXX, 2016, since they could not verify the loan as being mine and promised to notify XXXX that they could not match my information. I do n't understand why XXXX has reassigned the loan to Zwicker and Associates despite the previous collection agency not being able to disprove my claim that I do not owe this loan. I have not borrowed money from XXXX XXXX XXXX services and thus request CFPB to please compel XXXX and Zwicker and Associates to desist collection on this account from me. I am afraid I have become a victim of debt tagging.
I have repeatedly sent out complaints about XXXX collection agency. Texas requires all collection agencies attempting to collect debt or reporting on consumer reports to have a surety bond on file with the secretary of the state of Texas. XXXX ( XXXX XXXX XXXX ) does not have an active surety bond filed. The results of my complaint are on file with the XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX ) is the company filing on my credit file. I Have Filed a complaint with the XXXX XXXX XXXX Of Ohio, as well. I have also filed a fraud complaint with the attorney general of Texas, after a follow up call with the XXXX XXXX   XXXX of Texas. All of these actions have taken place between XX/XX/XXXX and XX/XX/XXXX.
Hello, My name is XXXX and here is what happened. While searching for an installment loan online, I was able to find this loan matching service. I applied and was pre-approved for a line of credit from Money-Key. Once I called them and agreed to the terms, I was approved and recieved the money on XXXX/XXXX/2015 according to my bank statement. As we agreed, they started the payback process on XXXX/XXXX/15. The first transaction was XXXX. The next was taken out on XXXX/XXXX/15 in the amount of XXXX. It would withdraw money every two weeks. I noticed that on XXXX/XXXX/15 the name on my statement changed from MoneyKey to MKey-virginia. And I checked my moneykey account on XXXX/XXXX/15, and they still show that I owe XXXX and were planning on withdrawing from my account on the XXXX. I have added up the total amount they withdrew since XXXX/XXXX/15 and the total amount was XXXX. That is well enough to cover the XXXX. I called and asked about my loan, and they said that I have not paid off my balance at all.
XXXX XXXX is the mortgage holder of my mortgage currently. They have held funds in a suspense account and applied them late which shows a late report on my credit. I called to find out why and demanded that the issue be corrected. I have not made contact with an account manager on this. The inaccurate reporting hit the bureau within the last three weeks. I need this corrected as soon as possible. The late hit is negatively affecting my scores.
XXXX has refused to replace a lost credit card despite innumerable telephone and online requests. They provide no explanation for their failure to assist me.
Capital One Credit Card Services. 

Monthly payments towards the account are not applied correctly. 

Account is closed to unfair practices by Capital One. 

Earnestly, proactive in paying account. 

Due to traveling and business some payments are sent with correct Statement Pay date and amount to be paid. More often amount is paid more than minimum amount due. 

Subsequently, I am penalized for making payments for more money and sending ahead of the actually due date! Time frame XX/XX/XXXX - XX/XX/XXXX. Checks verify the month payment is made for as well as online payments. 



Erroneous late charges applied to account. Reporting to credit bureaus erroneous 30 day later. 

Spoke to several " Supervisors " with no satisfaction. 

My conclusion is Capital One scams the consumer by placing extra payment on their statements and applying them to the wrong month, charging late fees. 

I have documentation for all concerned complaints. Account Summary for payments is generalized and is not applied to correct months.
Since  XXXX     2012 Navient ha s been telling me that I can only forebare and default loans and that they do not offere income based repayment.
I tried to submit a one-time payment on the servicer website. there website seems to be having issues for the last two days and the problem still has not been resolved. I called to get this resolved and the customer service rep is not acknowledging that there is an issue. My payment was due on the XX/XX/XXXX even though I tried to submit online payment on XX/XX/XXXX and XX/XX/XXXX before payment due but the website still is not working. The customer service rep said they will submit an inquiry which customer service rep says can take up to 10 business days to be looked into. By this time, my mortgage will be past due and start collecting late fees/penalties and possibly default etc. I am filing a complaint because I do not believe they will resolve this issue in a timely manner and by the time it gets resolved i could be incurring late fees all because of the mortgage loan servicer website is not working properly and I want to have it on the record that I tried to get this resolved with the loan servicer before it came to this.
Portfolio Recovery was advised by judge to remove collection off report when paid in full..agreement was signed by judge.
I think someone in family used my identity to create this false account.. I have no knowledge of this account and, or agreement..
A debt collection company, NCB Management Services, somehow got a hold of a relative on XX/XX/18, after I had already spoke with them on XX/XX/18. They provided my relative with information that should not have been provided to them. They told them that they were trying to contact me for a debt collection and even provided them with the amount of the collection and what it was from. This information should not be provided to anyone other than me.
I was not aware I owed this debt through this collector. I got my credit file this year and saw this. I have not received any communication AT ALL. To top it off the collections " compliance '' manager was completely rude. I do not wish to have them collect me and would rather go to creditor for any imformation.
My ex-husband,  XXXX   XXXX , and I had a joint bank account in  XXXX  with  XXXX   XXXX   XXXX   XXXX  in  XXXX , Texas. This account was overdrawn by {$290.00} and was never paid by my ex-husband, even though he was ordered to in our divorce.  XXXX   XXXX   XXXX   XXXX  then charged off this balance. I filed for divorce in  XXXX   XXXX  and it was finalized in   XXXX   XXXX  . In   XXXX   XXXX  , I filed for Chapter  XXXX  Bankruptcy and it was discharged in   XXXX   XXXX   This  XXXX   XXXX   XXXX   XXXX  account was included in my Chapter  XXXX  Bankruptcy and was discharged. I reviewed my credit reports soon after and noticed that Equifax was still reporting this account as an open charged off account. I have contacted Equifax many, many times about this and each time I dispute this item to have it reporting correctly as " Included in Chapter  XXXX  Bankruptcy '', they will not fix it because they say  XXXX   XXXX   XXXX   XXXX  is confirming that I still owe that debt and it is an open matter. I have sent numerous letters to the credit union and numerous emails and have never, ever received even  one  response. I even sent them the bankruptcy paperwork showing that their debt was discharged. They provided no correction to Equifax and no response to me. I want them to immediately either remove this listing completely from my credit report or update the listing as they are legally obligated to do. I am fully able and willing to obtain legal representation and pursue litigation if they continue to violate my rights and protections under bankruptcy law.
My Costco XXXX was taken over by Citi Cards. I have a balance on the card of XXXX. When Citi took the card over, they gave me a credit limit of {$3700.00}, which put my account into arrears, and they stated I had to pay {$1400.00} to put the account into good standing. My complaint is if they did not want to extend more credit to me, they had to give me a credit limit of at least my balance, so as not to put my account into arrears and cause me additional undue stress. Seems like an unfair and deceptive practice.
XXXX XXXX XXXX XXXX did not inform me of any verification of debt in an attempt to collect it, neither did their credit servicer, Lloyd & McDaniel PLC.  There was no explanation, verification of debt, or request. I wholly dispute all debts owed to XXXX XXXX XXXXXXXX XXXX on the fact that they have never communicated with me regarding the debt, nor has their debt servicer. As of today, I have been notified by an independent law firm that there is a debt collection pending in XXXX Superior Court 1. Without having ever received notification of debt, it is a violation of the FDCPA because I've never been permitted to dispute any portion of said debt or its contents. The collection is illegal and should be deemed as such.
XX/XX/18 Barclays Bank XXXX XXXX XXXX C/O Office of the President XXXX, DE XXXX Att : XXXX XXXX Executive Re : XXXX XXXX DOB :  XX/XX/XXXX SS # XXXX XXXX XXXX Dear Mr. XXXX, I am writing in reference to a problem that I have been having with Barclays since XX/XX/2018 and still has not been resolved. 
I had a XXXX Credit Card account with was serviced by Barclays. The servicing was sold to XXXX XXXXXXXX XXXX which I was unaware of. I made an on-line payment on XX/XX/18 for {$100.00} to Barclays from my XXXX XXXX account which should have been sent to XXXX XXXX XXXX. 
I have been trying since XXXX to have Barclays reimburse me for the {$100.00} or at least forward the payment to the correct bank. A XXXX XXXX agent and I have called Barclays Bank many, many times to get this resolved. XXXX XXXX sent proof of payment numerous times. We have spoken to staff and Managers at Barclays Bank named : XXXX, XXXX, XXXX, XXXX, XXXX and countless others who have acknowledged receipt of the payment. 
I was promised by them that I would have a credit within 2 days ( that was back in XXXX ). I called again on XX/XX/XXXX and then I was told that it takes 90 days to process the refund. The 90 days was up on XX/XX/18. I called on XX/XX/XXXX and spoke to XXXX who advised me that we need to send proof of payment AGAIN to the Research Department. As previously mentioned, this was sent by XXXX XXXX numerous times and receipt has already been acknowledged by Barclays. 
This is the most frustrating experience I have ever had with any bank. I keep getting the run around from all the staff members. XXXX has attempted to be helpful, but could not explain why we have to sending proof of payment again and again with no results. I just keep receiving empty promises for a refund. 
I also sent a letter to Barclays on XX/XX/18 and to date have not even hard the courtesy of a response. 
I am pleading with you to please have someone in Management look into this situation and have it resolved once and for all. 
I look forward to hearing from you and appreciate your assistance, Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, N.Y. XXXX XXXX XXXX
To whom it May Concern, I have sent many letters contacted all three major credit bureau, filed a report with the FTC ( Fraud ) to have these fraudulent accounts x 3 removed from credit report. I have explained that I never authorize these accounts.

Please send me a correct signed documentation that I signed to have an account and credit cards in my name with your establishment. I don't recall applying for any credit card or any account with your company.

I am looking at my credit report and I see that I have three accounts that are listed on all three of my credit reports. I am unable to provide the account number due to me not knowing about these accounts.
On XXXX XXXX I sent TransWorld system a validation letter in regards to a collection account that was on my credit from them that was unfamiliar to me. TransWorld failed to respond or put my account in a disputed status within 30 days .... Per FCRA regulations all accounts must be placed in a disputed status within 30 days from the date of receipt ... Per my certified united States postal service mailing receipt TransWorld Systems received my letter on XXXX XXXX, 2017 ... As a result of a direct violation of FCRA, and also failing to respond I ask that this account be removed immediately and not sold to any other company ...
I have been trying to get a mortgage modification for several months and keep getting my modification packet sent back to refile a new one for amazing inept reasons here is a time line for the last 3 XX/XX/XXXX Full application for loan modification emailed to PNC 's attorneys XX/XX/XXXX Additional supporting documentation emailed to PNC 's attorneys as requested XX/XX/XXXX Letter of Explanation regarding tax returns emailed to PNC 's attorneys as requested XX/XX/XXXX Updated documentation as requested emailed to PNC 's attorneys XX/XX/XXXX Advised of removal from PNC Loss Mitigation  Program due to requested documentation not received ; however, the materials scanned and emailed on XX/XX/XXXX were exactly as requested and sent in the time frame requested. 
XX/XX/XXXX Advised that a complete new application package must be submitted before PNC would continue the review. 
XX/XX/XXXX Another full application for loan modification emailed to PNC 's attorneys XX/XX/XXXX As requested, faxed 3 months of XXXX XXXX statements with page 4 of 4 unmarked and blank as received to prove that the statements were complete. 
XX/XX/XXXX As requested, we again faxed the XXXX XXXX statements ; PNC will not accept the fact that the 4th page is blank. 
XX/XX/XXXX With continued commentary about the XXXX XXXX statements from PNC, we mailed the original statements to PNC Bank Loss Mitigation to prove that page 4 of 4 is blank. 
the sheriff sale for my home is XX/XX/XXXX 13 days from now please help me save my home ... regards XXXX and XXXX XXXX
In 2009, I was trying to enroll with XXXX University to earn a XXXX in XXXX. I was told that I did not have the required credits to enter the program. I did not enroll, did not pay the enrollment fees and did not pursue the degree. XXXX received funding through XXXX XXXX in 2009. Since that time, I have been trying to resolve this issue with all parties. Now, XXXX XXXX is contacting me via XXXX, regular mail and by phone numerous times per day even using a spam type of service to call me using my own cell phone number. I have explained that I did not receive these funds from XXXX and was never enrolled. XXXX XXXX has stated it does not matter if I did n't receive the funds that I am still required to pay even if it went to XXXX. They are now telling me that I am going to be facing legal action, seizure of personal property and tax refunds. I can not get them to stop.
I tried to explain that this debt does not belong to me and I was not able to get any results