WillisBack/dataset-financial-user-claim huggingface dataset:
PNC cus tomer trying to do the right thing in paying a credit card with extremely high/abusive interest.   Opted to do online banking for better control to try and pay off the card. The online system is made for the customer to be locked out. I have attempted multiple times to cal l PNC wh o is unable to assist by phone. they say they ca n't help because of security reasons despite the fact that I answered all their questions over the phone. I have a credit card on my name and I am on a joint account with my parents. Somehow they would only be able to help based on the debit number. So, I ca n't manage the credit card and keep incurring high interest fees. They are now on the third time sending me via mail  3-7 bu siness days a pin. I have tried this already, it works for a minute and anytime you try a transaction is locks you out.     This is abusive and need to stop. I was also recently contacted by a SCAM company to try to re  duce the high interest rate allegedly which tells me PNC is selling the information to other sub company trying to make money out to the interest it is charging me.
I have been with PNC for 15 years but this is outrageous. As soon that this cards is paid t  hey will never get my business again.
equifax is having data base problem i call them several time trying to have it fix i chat with customer service and they say they can not help it been over 180 days since dispute
I was a loyal member of the Delta Skymiles American Express Credit Card for several years, and I recently had the unfortunate experience of finding several thousand dollars of fraudulent charges on my credit card. I submitted a fraud claim to American Express and they promptly handled the situation. This was subsequently followed by an investigation. <P/>During the investigation I was asked a series of questions which I answered and over the course of the investigation, the merchant where the fraudulent charges came from was unable to generate any documentation that could substantiate that these were in fact valid charges. <P/>To my surprise, the AMEX fraud team member informed me that they would not be removing these charges from my account. I asked if they could do that given that no documentation was provided from the merchant and she could not answer the question. I then asked to speak to her manager- I spoke with her manager and her manager was also unable to answer the question " can you reinstate charges on a fraudulent claim when no supporting documentation was provided by the merchant? ". So I then asked to speak to her supervisor. Her supervisor left me a voicemail when I was out of town on business and by the time I returned they decided my case was closed and put the charges back on my account. <P/>I was never given the chance to speak to the supervisor and be given a fair chance to discuss the fraud process. It seems that AMEX was eager to close it out and did not wish to involve me as much as I felt was fair and necessary as the consumer claiming several thousand dollars of fraudulent charges. Furthermore, I feel that, because these were NOT my charges and there is no documentation to support them, I should not be held liable for paying for them. As a responsible person I am writing this not only because I feel this is unjust, but also because I want to pay my bills, and I certainly want to pay AMEX whatever is owed to them. However, I do not wish to pay for charges that I did not make and I think that most people could understand that rationale. I sincerely appreciate your time to review my
On XX/XX/XXXX I mailed a letter my mortgage lender, Nationstar Mortgage, requesting removal of PMI ( mortgage insurance ) cancellation as my home has reached below 80 % loan to value ratio. On XX/XX/XXXX, I received a letter from Nationstar XXXX that my correspondence was received and would be responded to in " less than ten days '' ... " no later than XX/XX/XXXX ''. On XXXX XXXX, I received a letter postmarked XXXX XXXX but dated XX/XX/XXXX stating on XXXX XXXX, XXXX they " submitted a request to our Private Mortgage Insurance ( PMI ) Department for MI removal ... dedicision which can take up to seven ( 7 ) to ten ( 10 ) business days. '' As of today, XXXX XXXX, XXXX, I have not received this letter. I have left several voicemail messages for Nationstar at the numbers they provide on the letters and have received no call back.
I had a land contract on my house loan was paid off  XXXX   2016, deed ha s not been transferred to date. Contacted company to no results.
Complaint Complaint - To help us get the investigation process started, provide a brief description of the complaint including dates and the names of those you dealt with. 
Do NOT include any personal information such as account numbers or Social Security numbers. 

I have company to serve the credit card to my customer. I did stop this company around tow years ago. but they keep charging my walls Fargo account. I want to the branch near me to dispute this charges. I wait around 10 days and the claims department they dined the claime because it is business to business.and they told me no more changes will get to your. last week I found the same company keep changing my account ( 22 charges ) totel was over {$3800.00} .I did fail claim again XX/XX/18 and the bank dined it again. last Friday they approve and they will refund my money.. I did call today the bank to ask about the the money is not in my account, they said they dined this claims because is business to business charge and is always different amount.and this company changed the nam between months to months. I am responsible about any trans actions with 24 hours only. 

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I purchased A used vechilce and financed it through Westlake Financial. XXXX years of having the truck the engine goes out. I asked for a forbearance on payments, so that I could fix it allowing me to work so that i could make the payments. They did one month forbearance then ordered a repo. ( In those XXXX years I had never missed or been late on a payment ) Once the vehicle was repoed, the company were shown pictures of the engine missing as I told them. They then called me wanting to settle for a XXXX amount then send me the title. I told the to send that in an email or letter and I would agree. The company wants the money first, before they send any paperwork with proof of our agreement. " that 's not company policy '' I do n't think this is proper procedure, let alone common sense! This is a scam company who gets over on people with less than perfect credit. My question is : is it proper procedure to ask for a settlement payment without sending the client a copy before the payment is made?
I bought this car in   XX/XX/XXXX   at  XXXX  at  XXXX  of   XXXX   XXXX  , it was financed by  Santander consumer. I still owe this same amount on this car as when I first bought it. I have contacted Santander several o f times about this, and they always give me different reasons why I still owe this amount. I have contacted better business bureau in or on   XX/XX/XXXX  the y have n't been able to help me, I have n't received any result about me paying on this car for 2 years, and I owe the same amount as I purchased it for.
I have notified TransUnion several times that my last name is being reported incorrectly. I send them a copy of my Drivers License, Social Security Card, and a Utility bill. So far they have refused to make the change on my file. Also I disputed two credit card accounts. The notation that they put on each of the accounts was just updated. They are in violation of the law. They did not put a statement on each of creditors listed below that these accounts are being disputed by the consumer. This is a clear violation of the law. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX  Attached is a copy of Credit report from TransUnion
ocwen loan servicing llc reports a payment in XX/XX/2015 as 30 days late.i paid the mortgage on XXXX/XXXX/2015. ocwen did not apply the mortgage to my account. I requested a correction and ocwen denied it. ocwen increased the escrow amount in XX/XX/2015 without me receiving any notice. I sent in the amount I always sent and they did not apply my payment making it 30 days late. I ask CFPB to have ocwen to correct my credit reports to show I did make a timely payment.
A company called " XXXX XXXX '' or " XXXX XXXX XXXX '' said they are trying to collect on a credit card debt with a bank I do n't recall opening. I have not received any notice of any collections attempt and I am current on all my payments for every debt. They threatened jail time if I did n't resolve the matter. They knew my address and the last XXXX of my social security number so I gave them my credit card number to settle the debt. But I did a XXXX search on " XXXX XXXX '' or " XXXX XXXX XXXX '' and nothing came up, which made me suspect this is a scam. Even the website they gave me does n't work : XXXX
The buyers did an appraisal with XXXX XXXX. XXXX on XXXX/XXXX/2015 and the Opinion of value was at {$96000.00}. The Investor ( XXXX ) did an appraisal and stated that the home is worth {$110000.00}. How can the appraisal be a difference of {$17000.00}. Below is the note that I received from Fannie Mae : '' The current offer does not meet the requirements being demanded by the investor. The investor is demanding XXXX with a net requirement of {$99000.00} ( see attached hud line XXXX ). The buyer appraisal is only XXXX which the buyer is willing to pay and as reflected on the hud would require a cash contribution in amount of {$16000.00} from you, see line XXXX of the hud ''.
Yesterday, my XXXX  Mastercard ( # XXXX XXXX XXXX XXXX ) from Bank of America ( BOA ) was stolen. A police officer returned it after it was recovered in a stolen car and returned it to me. I then reported this to BOA and asked that a fraud alert be put on this account and that I be sent a replacement card. 

I called a toll free telephone number provided on BOAs online banking website about 6 times, but all I got was recorded messages. It was impossible to reach a human being. After wasting about 20 minutes just trying to get an agent at BOA about the theft of the card, I finally was told that an agent would come on the line. Then I was put on hold for an additional half an hour. When the guy who finally answered came on the line, I told him everything I knew at least 2-3 times. He wasted time with chit chat, then proceeded to ask me exactly what Id just told him. After telling him again that I had checked the activity for the card through BOAs online banking website just before I called him and had seen no illicit activity, and repeated everything else yet again, I told him I had to eat dinner and had no more time to repeat the same information Id already provided to him several times, since it took me nearly an hour to get through to him. As I recall, the last purchase I made on this card was for a XXXX membership in the amount of {$120.00}. 

BOA continues to evade its customers and refuse to act on simple requests such as putting a fraud alert on an account that has had a stolen card in a timely or efficient manner, and to replace cards quickly when asked for legitimate reasons. It unfairly burdens its customers with grossly unreasonable, harassing, inefficient and insecure procedures that injure them. In contrast, XXXX XXXX was quickly and easily reached, took the relevant information and said they would mail a replacement card all within a few minutes. The new card should arrive today or tomorrow. 

BOA does not manage its credit cards in a reasonable fashion and its gross ineptitudes put its customers at risk for further injury. This has been the case for years. I have filed previous complaints about it, yet, if anything, these deep seated problems with BOA credit cards seem to be worsening. Just before submitting this complaint, I tried to check the account online for any fraudulent activity. The account was blocked and I could not access it. A message said BOA wanted me to call it, again, to waste more time. I have no more time to waste on BOA.
Opened checking account with valid funds. Removed funds approximately 3 weeks later. Received first statement with around XXXX cents interest. Called phone center requesting closure of the account. Stated this could not be done with a positive balance. Was advised that she would give to her supervisor, and after 1 month fees would reduce to a negative balance. The supervisor would then waive the charges and close the account. 

Received two more statements with increasing fees. Balance now negative {$68.00}. 

Called phone center on XXXX. Advised they could n't " verify '' me even though I verified through their I 've. Offered transaction amounts ( only one deposit and check ). Was advised I 'd need to go into a branch because they could n't verify me. Asked to speak to supervisor. XXXX ( no last name or rep Id was given to me upon request ). Same piece given that they could see my account but nothing " on it '' so they could n't verify me. Offered any personal information and identified those XXXX transactions, but they would n't ask for anything, stating that I needed to go into a branch. 

advised that this seems like a systemic issue that they ca n't verify me ( or wo n't attempt ), and that the racking up of the fees seems wrong given the follow up not happening. Asked her to provide phone call to her leadership.
Navient failed me completely as a loan servicing company. I have worked in public service for 10 years and while making barely XXXX/yr they asked me to pay $ XXXX/mo which was impossible. I have recently noticed the CFPB is suing Navient for similar issues. I was recently made aware of all the options Navient denied me and refinanced under the PSFL program and am successfully paying my loans now. I would like to provide proof of 10 years of public service employment and have Navient cover the remaining balance of the loans as I feel they have illegally cheated me out of my rightful repayment options and placed unnecessary XXXX and hardship on me all these years. Navient had cheated and scammed so many young Americans and denied them their rights, and this can not be allowed. These loans were for both XXXX XXXX and University XXXX. They were public federal loans guaranteed by the government.
All XXXX credit reporting agencies continue to report our Loan Balance with XXXX incorrectly. This balance should be less than {$900000.00} now. But these agencies have reported a loan balance of XXXX XXXX dollars despite the fact that the loan was modified in 2010 and the balance was set to {$920000.00}. I am attaching the Mortgage Note that was fully executed and records as proof. Our attorney from XXXX has contacted XXXX and they can NOT produce ANY evidence to the contrary. 
The previous servicer, XXXX settled with Consumer Federal Protection Bureau ( CFPB ) for $ XXXX for violating serving and loan modifications laws. XXXX is refusing to cooperate with us and are simply referring us to XXXX when we asked them to provide proof that we owe the deferred balance. We have also filed a complaint with the CFPB. 

We are unable to hire an attorney since we have no funds and the balance reduction will ONLY be on paper, so there is no proceeds where any attorney could collect. We would like your help to engage the credit agencies to correct the reporting. They have been violating credit reporting and debt collections laws since 2010.
on XX/XX/2018 I sent a letter with the following verbiage to Portfolio recovery to VALIDATE THE DEBT : below is the exact letter verbiage sent to XXXX XXXX XXXX XXXX Dept XXXX XXXX XXXX XXXX  XXXX XXXX ca XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --. 


This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 

Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt.

2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
-- -- -- -- -- -- -- -- -- -- -- - None of the above was provided the only thing that was sent a letter stating the debt was purchased by them from XXXX XXXX and several bills which is not validation
I was charged XXXX XXXX dollars eleven times for items PNC Bank didn't pay. When I set up my business checking account, I told the representative that I didn't want overdraft protection. I was credited back seven of the charges and was told I can't get the rest refunded back.
I pulled up my XXXX  credit report and XXXX  report and it not reporting incorrect. and all my credit cards have been removed from XXXX  reporting and im missing five credit accounts on my XXXX  report and i contacted capitol one they refused to submit a documents to the credit bureaus and told me that i need to put it in writing which i refuse to do because i did it in the past and never got a response from them and there are no credit accounts are being reported on XXXX  XXXX  didn't have capitol one XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DIDNT REPORT THIS XXXX XXXX XXXX XXXX XXXX  XXXX
I've had tried to contact XXXX XXXX XXXX, on numerous occasions concerning several debts in which I have no knowledge of. I have requested debt validation and/or contract agreements between XXXX XXXX XXXX and myself, but they have failed to provide them. They have illegally scared my credit and violated my rights under the HIPPA Privacy Act. Please help me to resolve this matter promptly. XXXX XXXX XXXX is located at : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. 


Sincerely,
I received a " Continuing Writ of Garnishment Against Salary or Wages after Judgment '' on XXXX/XXXX/15 from XXXX XXXX XXXX, XXXX. On XXXX/XXXX/15 I received notice from my employer that my wages would be garnished starting XXXX/XXXX/15!!!!!!!!!!!!!!!!!!!!!!!! Per the notice, I had 20 days to dispute this action ; it was 3 days!!!!!. I had no chance to dispute this before my money is being take from my paycheck. This attorney 's office has NOT provided any documentation proving that I owe XXXX XXXX or that I owe the amount mentioned. This garnishment is causing further financial hardship because I am now unable to pay my rent, electric, water or put gas in my car!!!! I can not afford to hire an attorney to file bankruptcy or fight this harassment. Do I need to quit my job to stop them from stealing my hard earned money. How is this legal or fair?
I was hospitalized in XX/XX/XXXX. The attached form discloses the claim dated XX/XX/XXXXfor a disagnostic image ( MRT ) that was done prior to me being admitted to the hospital. Initially, my insurance company informed me I was responsible for the entire bill of {$8100.00}. I am insured under my mother 's ( XXXX XXXX ) health insurance. She wrote a letter of appeal ( see attached ) regarding this outstanding bill. On XX/XX/XXXX, we received a letter from the insurance company ( see attached ) that approved our appeal and a copy was sent to the original creditor ( XXXX XXXX XXXX XXXX XXXX ). During this entire time, we never received a bill from XXXX XXXX XXXX XXXX XXXX before or during the appeal process. On XX/XX/XXXX, we received a bill ( see attached ) from XXXX XXXX XXXX XXXX. We immeditately called the original creditor to make arrangements directly regarding the revised amount I owed, {$770.00}. We came to an arrangement and made our first payment XX/XX/XXXX ( see attached bank statement ). We received a call from XXXX XXXX XXXX on XX/XX/XXXX. We 're filing based on the following 4 things : 1 ) Dual Tracking abuse from XXXX XXXX XXXX sending this debt to a collection agency and negotiating simultaneously ( 2 ) Professional Account Services attempting to collect on a debt prior to the 30-day validation period ( 3 ) Never received a bill from orginal creditor prior to receiving letter from collection agency ( 4 ) Collection agency collecting on a debt when original creditor agreed to payment arrangement and received first payment. We expressed to the collection agency during the XX/XX/XXXX call that we ( see attached letter ) prefer to deal directly with the original creditor since we made the arrangment directly with them. They refused and implied that I was refusing to cooperate and pay this debt. I told them that is not true as evidenced by the arrangement that was made and she acknowleged payment was made ( 10 % of the balance for the next 10 months ). Further, I believe the original creditor prematurely submitted this debt to the collection agency given the time frame of the appeal process and the new rules that medical organizations must adhere to when placing a medical debt to a collection agency.
On XXXX XXXX, 2017, I discovered that I had 11 accounts on my credit reports that were fraudulent. I filed with the FTC identity theft website and sent the report to each of the Credit Reporting agencies along with my identity documents, address proof and letter requesting the information that was fraudulent be blocked from reporting. Both XXXX and XXXX blocked the information within 72 hours  as required under the FCRA. Equifax has refused. The latest reason is that my identity documents are blurry. I have resent these by post and a resolution has still not occurred.
I have a loan with EXETER FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and EXETER FIN with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
I am in the process of obtaining a renovation loan with First Choice Loan Services Inc. I have paid for my appraisal and provided all of my financial documents for closing. They are now requiring me to pay {$490.00} for a Feasibility Study, this cost was not disclosed in my Settlement Statement I was told that it is an FDIC requirement, I told my loan officer that it was not in the settlement statement. But paid it anyways to not hold up the process.