WillisBack/dataset-financial-user-claim huggingface dataset:
I was opened an XXXX XXXX XXXX XXXX XXXX. 

Card was sponsored by Synchrony Bank : Address : XXXX XXXX. XXXX, FL XXXX I have made one purchase on that XXXX Card in the amount of {$36.00} on XXXX XXXX, XXXX. The Only 1st and last Purchase I have ever done on that card. 

I made full payment on the exact amount on XXXX/XXXX/XXXX with XXXX because they said, they have't received the check i mailed to them. XXXX XXXX XXXX. 

On XXXX XXXX, XXXX, I called back XXXX and they have confirmed they have received the money and no balance or charges in the account. Since, they no transaction made on this card by me or other parties. 

XXXX XXXX, I found a collection account opened by XXXX XXXX XXXX They reference purchasing this account from Synchrony Banck. 

At the end of XXXX XXXX, I have contacted XXXX Card Department, but they told me the account was sold to XXXX. 

I only Made one transaction on that account and it was {$36.00} which I paid in full. 

They did n't had good answer so, they told me contact XXXX XXXX XXXX which is A collection agency who put this on my credit history. 

on XXXX XXXX, XXXX, I wrote a letter to _ XXXX XXXX Synchrony Bank and XXXX XXXX, On XXXX XXXX, I received letter from Synchrony Bank Stating this account / matter relating was sold to XXXX XXXX XXXX, on XXXX/XXXX/XXXX I have not heard from XXXX XXXX XXXX - now the account balance on record is {$180.00}
I have received paperwork where XXXX is threatening wage garnishment formerly Nelnet, Since I do not have access to a phone during their available working hours, I sent a long detailed letter and financial information to them that they requested using the forms available to me on their website. All the information was provided to them by the date requested in order to set up some sort of payment arrangement. They have not sent me a statement that shows the amounts owed and why? I requested in writing for an itemized information regarding what is owed, including the payments I made in the past including the taxes they garnished from me in XX/XX/XXXX and XX/XX/XXXX filings.
While none of the other bureaus are reporting this information, TransUnion is reporting inaccurate information with regard to the Tax liens, which remain in my credit report. In accordance to the National Consumer Assistance Plan, inaccurate or incorrect tax lien information should not be reported.
I have been unemployed since Late XXXX. I applied to Green Tree Servicing my mortgage company in XXXX for mortgage assistance for my FHA loan. I was denied assistance even though i provided proof of unemployment. I appealed and was again denied and told that i was in not in immediate danger of default. I am concerned that no matter what paperwork i provide Green Tree intends to foreclose on my home. I was told that i qualify Unemployment forbearance by XXXX Green Tree Account representatives but when i asked for details i was told to wait for a final decision by loss mitigation. I m now on the XXXX account representative and i still do n't have a decision. i was able to stay current on my mortgage up through XXXX. It is obvious that the mortgage company makes a practice of advertising HAMP and HARP programs while intending to push everyone to a foreclosure.
I have had multiple issues with Coinbase , Inc . Freezing my funds and demanding payment for transactions that have already settled. In addition, Coinbase hase made several ACH withdrawals from my bank account that do not match any of the transactions I have had with the site. 

I have submitted 3 support tickets and contacted customer service on two occasions. 

My account was settled back to {$0.00} balance after escalating and speaking with an account specialist. After logging in two weeks later the company has frozen my account and demands {$6800.00} for transactions that were previously settled. 

I have recently had fraud on other credit cards not associated with my Coinbase account. One charge on XX/XX/XXXX was for a XXXX, where someone ran a background check on myself and was able to access scores of personal information that could be used to gain access my Coinbase account. 

All of the incidents with Coinbase mentioned above happened after the XXXX fraudulent charge. 

I submitted another support ticket but never get resolution for these issues. Coinbase has been unscrupulously handling ACH withdrawals, Credit Card withdrawals and now are demanding funds that were either settled or fraudulently charged based on the facts that i have gathered. 

I am seeking immediate resolution to clear the negative balance and regain access to my account. Coinbase has been dismissive and unresponsive to my concerns.
ONEMAIN # XXXX XXXX , IN XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Line of Credit Account Loan Type : HOME EQUITY LOAN Balance : {$8600.00} Date Updated : XX/XX/XXXX Payment Received : {$230.00} Last Payment Made : XX/XX/XXXX High Balance : {$9600.00} Credit Limit : {$10000.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$190.00} per month, paid Monthly
In XX/XX/XXXX I financed a Flat Screen TV through Best Buy for around {$1800.00}. I purchased it on 36 months same as cash promotion. I made all of my payments on time and when I went to make my online payment this month ( XX/XX/XXXX ) my balance increased {$1800.00}. I called the lender, CitiBank to go over this situation. They informed me because I did not payoff the balance of {$610.00} remaining on the loan as of the close of XXXX they added the {$1800.00} to the loan. This is more than the TV cost me 3 years ago. I advised them offered the option of a monthly e-mail payment reminder and I could be eco friendly by paying on line, which I chose. This does not show you when your promotional offer is expiring unless you click the link to the statement, which I rarely did since i would just verify the balances each month based on what I paid the prior month. show you when the promotional offer is up.This is very misleading because unless you click the link, you would never see when the promotional offer is expiring. I offered to payoff the balance and the interest due on the balance and they advised me they would not do this. I spoke with a person named XXXX. He would not give me his last name nor would he give the name, number or let me speak with his supervisor. This is unacceptable. Had they advised me of this on the monthly payment e-mail reminder I receive, I would have paid this off in full. They told me I am responsible for this. I was mislead about the interest being retroactive on the original loan amount nor was I ever advised on their monthly e-mail pay reminder the promotional offer was expiring. I realize this is on the monthly statement but I decided to go green with the payment reminder to be eco friendly and it cost me because unless you click the statement link, you will never see this. I have no problem paying the interest due to my mistake but not on the original loan amount. I truly believe this is a deceptive practice promoted by CitiBank to take advantage of honest people. I am sure this has happened to many others.
Hello, I have a conventional mortgage with Wells Fargo. I was concerned that my mortgage payment had not been successfully debited from my bank checking account, so I logged into Wells Fargo to check my account TWICE - on XX/XX/XXXX and XX/XX/XXXX. On BOTH those occasions, my online account showed that the account was in good standing and my payment had indeed been made to my mortgage on XX/XX/XXXX as it is scheduled to automatically debit on that date. Yesterday, XX/XX/XXXX, I received an email from Wells Fargo that stated that my payment had NOT been made due to insufficient funds in my bank checking account. This was the first time that I had proactively been told that anything was wrong with my XX/XX/XXXX  payment. Conveniently, Wells Fargo only notifies one of a failed payment AFTER their 15 day grace period! They charged my account {$59.00} for late fees. What is also odd is that Wells Fargo let me schedule my payment for the XX/XX/XXXX even though the due date XX/XX/XXXX! This burns 5 days of " grace. '' I always assumed that if Wells Fargo allows me to pay on a particular day, then that is synonymous with the due date. Why would I want to schedule my monthly payment LATE every month?! Seems very odd. On top of this, Wells Fargo has removed the ability to edit or modify your automatically scheduled payment. They make it difficult to alter your payment due date or amount ( e.g. if you want to pay extra against your principle ). They set up their systems to proactively tell you your payments have been made, when they have not and then notify you AFTER their 15 day grace period, that, in fact, the payment had not posted, then charge you fees for this. Their system and processes are created to generate fees. Providing FALSE and inaccurate account information simply is NOT ethical. Showing in your online account that your payment has posted and been made is unethical.
Please see attached -- LETTER TO CFPB PROBLEM : My escrow amount increased significantly in XXXX and again in XXXX which has caused my mortgage payment to increase {$150.00} a month. When the mortgage company ( Caliber ) was contacted, no one could get to the bottom of why it increased. They would say it was due to an increase in my homeowners insurance and/or county taxes. When I called to confirm both, the Homeowners Insurance Company and XXXX XXXX XXXX stated very minimal increases ( nothing over {$20.00} ), if any. Caliber was taking the annual amount out of my escrow to pay for my Homeowners association dues. They took the annual payment out in XXXX ( approximately {$800.00} ) and have yet to send the payment to XXXX ( the management company for my Homeowners association ) for payment. I also received a letter from Caliber Home Loans in XXXX, stating that they would no longer pay my homeowners association dues and then a letter in XXXX stating that Caliber sold my loan to a new mortgage company ( XXXX ). 1. The money that was taken out in XXXX is sitting in my escrow and they never sent the payment. This has caused me to accrue late fees with my HOA ( Homeowners Association ). To date, this payment has not been sent to the property management company for my HOA. 2. My escrow amount should not be this high and the increase not noted and given to me in detail in writing. The only correspondence I received was my mortgage coupon and a letter stating that there will be an increase in my mortgage due to my escrow account. My increase went from {$370.00} to {$470.00}, which is a {$97.00} increase multiply that by 12 months and that is {$1100.00} a year! 3. Since they will no longer pay my HOA fees, my escrow contribution should decrease.
XX/XX/XXXX - I performed a cash load of {$2500.00} at the XXXX store # XXXX my American Express Serve account. 
American Express shut down my account shortly thereafter and locked me out of online access so I could not log in to pay my bills with the cash that I 'd loaded. 
I 've called American Express Serve multiple times since then, the most recent being on XX/XX/XXXX and was told that my money was returned to the retailer each time. I 've spoken to XXXX on the XXXX audit team many times trying to track down where my cash was actually returned and they have no record of it ( as of XX/XX/XXXX ). At this point American Express will not transfer me to any superior officer or manager that can remedy this situation and is holding my {$2500.00} cash.
I recently identified that I was a victim of identity theft. I followed the steps that was told to me. I have already contacted the FTC and the police dept. There are still items on my credit is not mine. I'm doing this myself and need your help. 

1. XXXX XXXX XXXX ( XXXX and XXXX ) 2. XXXX XXXX ( Equifax, XXXX and XXXX ) 3. XXXX XXXX XXXX ( Equifax ) I dont know if you guys can help also with these inquiries I know nothing about. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
On XXXX I contacted Receivables Performance XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX via phone regarding information on my credit report from their company. Receivables performance told me they do not have an original contract from the debtor-XXXX XXXX to be able to validate the account. The representative stated the amount owed and did not have a valid address for me, I then stated I need you to validate this account with an original contract from XXXX XXXX XXXXThe representative hung up on me.
In XX/XX/XXXXWe were lured into a negative amortization loan, as we are not mortgage experts. 5 years later, in XX/XX/XXXX when our mortgage increased by XXXX per month ( XXXX to XXXX ) we tried to sell our home. We were not successful because this was when the housing market crashed. Then we approached our mortgage company for a loan modification. They denied us. After making 1 payment, We were unable to continue to pay XXXX a month so we stopped paying our mortgage. Through all the court dates, in XX/XX/XXXX our mortgage company offered us a payment plan of XXXX per month. We were able to make that payment for 6 months at which point, our mortgage company increased the mortgage to XXXX. At that point we could no longer continue that payment. We have met with mediators and lawyers and continue to try and get a modification for loan. I have been a teacher for 32 years in a priority school district and my husband is XXXX. We have XXXX children ages XXXX-XXXX. We have been asking XXXX XXXX XXXX for help us find a reasonable payment to stay in our home. We built this home with money that we saved for many years. We are not trying to avoid paying our debt, we just need help.
Yesterday XX/XX/2018 I recieved a phone call in my neighboors land line ( not even I know the number ). The operator called about a car loan from FirstBank in Puerto Rico. 

I had preciously contacted the bank about my financial situation following Hurricane Maria since the car was purchased as a working vehicle for XXXX. With cero electricity for months and thus no cellular connecticity, this was impossible as XXXX shut down operations. 

The operator from XXXX XXXX, located in XXXX XXXX Puerto Rico ( XXXX ) not only contacted a third party without my consent, but also threatened to report the car as stolen and said twice that I was asking for blood. I also have a voice message with her threatening to proceed, without any further explanation whatsover. 

She refused to give me her full name and only identified herself as XXXX XXXX. 

Therefore, as instructed, I am submitting this complain and look forward to receiving a complainy number as I wish to contact FirstBank to negotiate the debt. 

Thank you, XXXX XXXX XXXX XXXX
On or after XX/XX/2018 I contacted and spoke with a representative from XXXX XXXX. I was told they were collecting for XXXX XXXX for a bill that I owed and the details were discussed. I told the representative that I would be handling the debt directly with XXXX XXXX and they should cease and desist all communications and actions with this account. I was further told fine maam and was abruptly hung up on. I further proceeded after verbally communicating with XXXX XXXX to send a certified return letter stating according to the FDCPA to cease and desist all actions and communications with me. XXXX XXXX received and signed for the letter on XX/XX/2018. To no avail, Online Collections reported this collection to the credit bureaus on XX/XX/2018. I contacted XXXX XXXX  again on XX/XX/2018 and spoke with XXXX the assistant manager who refused to give her last name and was very rude in her demeanor. I attempted to let her know that I sent a letter and went over it with her but she rudely cut off. XXXX stated the law only applies to communication we can still report it to the credit bureaus. I told her she clearly wasnt knowledgeable in the law pertaining to Public law 95-109 and 99-361. Needless to say, the conversation did not end up nowhere. I made her aware that I would be contacting the Federal Trade Commission and my Attorney General 's office. She then asked for my attorney 's information. I stated there is no need for me to give that to you and the proper channels will contact Online Collections.
I have 3 things on my credit report that I want to dispute. 

I have an account with AFNI, INC reporting that I owe the amount {$1200.00} to a cable or cellular company. My credit report shows that this account was assigned on XX/XX/2014. 

I have an account with XXXX XXXX reporting that I owe {$220.00} to a cable or cellular company. My credit report shows that this account was assigned on XXXX XXXX. 

I have an account with XXXX XXXX that shows that I owe the amount of {$750.00}. My credit report shows that I opened this account on XXXX XXXX. 

I will need written contracts with my signature showing that I agreed to open these 3 accounts and pay these fees.
I am a customer of PNC bank ( formally XXXX XXXX ), have been banking with them since the XX/XX/XXXX 's and have both mortgages with them. Recently my equity line became due. I was working with them to try to refinance the line but they declined due to collateral. Then I was forwarded to a modification department who again declined due to collateral. Finally I was sent through a hardship department who said they would modify it but at a payment XXXX 's what I was paying. Living paycheck to paycheck, I could n't afford it. I requested different terms as I have never missed a payment with them and they declined. Since I was n't able to afford the modification, PNC told me they basically would write the debt off XX/XX/XXXX. I heard nothing from them until XX/XX/XXXX when they withdrew {$7000.00} from my checking account leaving me with {$100.00} for the month. There was no mailed notices saying they were still trying to collect the debt or anything. When I spoke with someone from PNC, they stated that the loan had been charged off and they were allowed to take all the money that they owed and basically accused me of being a deadbeat. The money that was in the account was from a retirement account to be used to fix the house to the city and insurance codes as the roof and tuck pointing needs to be done or I will be fined and lose the insurance on the home. I asked PNC for a copy of the Note and was told they could n't send it to me. I am not sure what to do as everything I have read about these " set off 's '' stated that they had to be actively trying to collect the debt ( they had n't ), the account had to be in collections ( it was n't ) and they could n't touch any money that came from a retirement account. I am not sure my options at this point.
I was on XXXX on XX/XX/2015 looking for airline tickets when it popped up that my airline ticket would be {$160.00} and that if I apply for an XXXX + XXXX credit card I would instantly get {$100.00} dollars off making it {$60.00} instead. I clicked on the credit card link and it gave me XXXX options : the XXXX + XXXX credit card or the XXXX + Citi credit card. I applied for the XXXX + credit card. I have excellent credit. I was told I was approved and would get my card within 7 days in the mail. I called CitiBanks who said that did n't know why it did n't give me an instant access code but that there was nothing they could do now. I told them to cancel my credit card then but they did not and told me to call back in 48 hours and they could give it to me then. On XX/XX/2015, I called back and they told me that there was still nothing they could do and they could not give me my card number over the phone. I again asked them to cancel the card as I really did not want to wait 7 days to get the card in the mail as I was promised instant prior to applying for the credit. And they canceled it. I am reporting this because I feel that I was scammed and lied to. I would never have applied to the card if I had been told up front that it would take 7 days to get the card. I am very upset with the way I was treated. Citi banks and XXXX both were misleading. I now am 3 days delayed in buying airline tickets so I may not get as good of a selection and they will be more expensive. I am letting you know so that this type of scam can be prevented in the future. I should never have been treated this way and others should not be either. Thank you!
I signed up for the US Bank XXXX XXXX visa credit card, with a key benefit being the inclusion of a free night on award stays : " a bonus award night every time you redeem for XXXX award nights or more, the last night is complimentary ''. This was a key benefit for the card ( which carries an annual fee of {$75.00} ). I signed up for this card due to its benefits, which were clearly stated on the website when I applied and was accepted for the card. A week after receiving my welcome material, it was announced that this benefit would be removed beginning XXXX XXXX, 2015. I called US Bank to request that this benefit continue for my card, as I had applied specifically for this product benefit, but they told me the benefit would be going away for all cardholders. I find it incredibly deceptive to offer a card with certain benefits and then once I have the card and have paid the annual fee, the most valuable benefit then gets removed with no compensation for this loss.
Multiple mistakes within escrow, now 2nd time to have to contribute to escrow in 4 years. The first time they refunded an overage, oops they refunded too much so they increased my mortgage payment. I paid that off and then the following year insurance issues mistakes occurred. I started to pay XXXX extra a month on my mortgage and they once again told me that my escrow would be short and I had to pay that into escrow. They canceled my homeowners insurance and paid my flood instead. They did this twice and then sent flood check to wrong office so more time past on insurance policy so I was stuck with getting less refund. My homeowners insurance went up XXXX bucks last year, about XXXX this year. Instead of letting me pay that total ... they do a projection and the projection shows in XXXX 2016 I will be negative. It doesnt matter that I have enough escrow now and would pay that before XXXX 2016 instead they want XXXX payments of escrow by XXXX XXXX, a bit over 30 days notice and if I dont I must pay XXXX more on my mortgage for a year. NO other payment plan accepted. My taxes didnt go up, they went down, only my insurance went up a bit and they wont let me pay that approx XXXX but want XXXX payments of escrow when Im not even in the negative yet!!! This bank has been consistently toying with my escrow. Just after this problem they send me in the mail a personal letter for a personal special to take out a loan. 
I have a direct line to the supervisor, Son ( his name ) and have talked with him on several occasions and he is very nice and polite and explained all this to me ... there is nothing I can do as this is their rules. 
I think they manipulate your finances for profit and that just isnt fair. I have my checking and savings with this bank, they see my finances and are constantly hounding me for business. 
I think this bank is walking a fine line of aggressive business versus appearance of criminal financial manipulation. 
How they can punish me with my escrow still in good standing, based on a projection that has not occurred yet is not right any way you look at it. I should have the opportunity to put just the amount in to avoid that projection and if not then they should add it to the mortgage but not at this point demand XXXX payments of escrow on a situation that has not occurred yet. 
Furthermore, the mistakes that has been made in my escrow in regards to refunding too much, then docking me for it, canceling my insurance and paying another kind, sending insurance payments to the wrong insurance office, all of which I as the customer discovered NOT Wells Fargo, is not acceptable and consideration should be given to what that has caused me in stress, trust and worry. 
I have checking, savings, car loan and mortgage with Wells Fargo and this is how they treat me?