WillisBack/dataset-financial-user-claim huggingface dataset:
I called into Ohio Acceptance 2 days before my payment was do to withdraw from my account to set up an arrangement to make the payment on a later date. The amount of {$160.00} was due on XX/XX/XXXX, I wanted to post phone the payment until XX/XX/XXXX. My next payment was set to come out of my account automatically on my next pay day which is XX/XX/XXXX, in the amount of {$160.00}. The person on the phone, her name is XXXX, told me on a recorded line that she agreed to allow me to make that arrangement. She told me to call in on XX/XX/XXXX to make the payment over the phone for {$160.00} to avoid having a double payment of {$320.00} due on XX/XX/XXXX. She agreed to all of this. Well, today I look at my checking account and not only did Ohio Acceptance withdraw the {$160.00} that I needed to pay on XX/XX/XXXX, but they withdrew an extra payment, so in total {$320.00}. I did not agree to this, XXXX said nothing of the sort on the phone with me. My checking account is ruined and now I am short on rent. Please help me with this, I do not know where else to turn for help.
Attached to this complaint is a copy of a police report. I am a victim of identity theft. The following account listed on my Chex Systems Consumer ID Report : XXXX is fraudulent and unauthorized savings/checking account : XXXX XXXX XXXXXXXX Missouri, XXXX XXXX, XXXX XXXX, MO XXXX, RTN : XXXX, Account Ending In : XXXX. I faxed a copy of a police report to Chex Systems on XX/XX/2018 in regards to the fraudulent and unauthorized savings/checking account.
We had a car financed through Ally Auto ( XXXX XXXX XXXX ). The vehicle was involved in a wreck that totaled the car. Our Auto Insurance paid their part, and our GAP Insurance took awhile to pay off. The GAP Insurance paid off everything except XXXX. Ally started calling us 9-10 times a day and would call us 30 seconds apart on 3 different numbers and also a separate call each day to my wifes work number. I called them and told them the harrassing calls mutiple times a day needed to stop. I told them I got a part time job to help pay this off and I would be paying it off by XX/XX/XXXX. I asked them to no longer call me on XXXX work cell or XXXX work phone. I also asked them to not call my wife at work ( which they had already been told over a year ago not to call her at work ). They have repeatedly still called my wife and work and still call me on XXXX. I am sick and tired of being harrassed by this company on phone lines I have repeatedly told them not to call on. Today I spoke to a supervisor and gave them the information again.
BestBuy offered me City Bank credit card i agreed and was approved. I received card and try to activate but it was impossible because they can not identify phone number as mine. So i can not close account or activate card because of their problem with identification of my phone number. I have all necessary documents, XXXX, ID, and phone number contract is on my name.
When I called Columbia Collection Services, I asked to be transferred to their legal department to discuss the lawsuit they had served on me. They transferred me to XXXX XXXX. Later, while speaking to him, I asked him to transfer me to the legal department and he said, " I 'm it. '' I checked the Oregon State Bar 's member directory - no one of that name is licensed in Oregon.
I am a Massachusetts   XXXX   XXXX   XXXX  .
On Friday   XXXX   XXXX  , 2017 I represented a home buyer who purchased real estate through a short sale.
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The seller 's mortgage company was Planet Home Lending , LLC. Their principal office is   XXXX   XXXX   XXXX  ,   XXXX   XXXX  ,  XXXX , CT  XXXX .
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The mortgage company was represented by   XXXX   XXXX   XXXX   XXXX  . Their principal office is   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , MA  XXXX .
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I wired Planet Home Lending 's funds around   XXXX   that Friday. My bank assured me that they would receive the funds that day.
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I spent the rest of that afternoon dealing with essential aspects of the closing ( recording the deed, mortgage, etc. ).
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I did not have an opportunity to email the wire confirmation to the lender or its representative.
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Monday morning   XXXX   XXXX  , 2017 I received two threatening emails from   XXXX   XXXX   of   XXXX   XXXX   XXXX    XXXX   XXXX  .
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In the emails  XXXX  threatened " to foreclose on this today!!!! '' or " move forward with the f/c!!!! '' unless a copy of the wire confirmation was sent to him immediately.
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Of course I sent the paperwork to him and I believe the matter is resolved.
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Nevertheless, the CFPB should be aware of   XXXX   XXXX   XXXX   ' and Planet Home Lending 's overly aggressive behavior.
As of   XXXX     my student loan interest rate has been hiked up to   XXXX   %. They have increased my monthly payments, due to this interest increase, without any notification prior. I find it outrageous, and feel this bank should be ashamed of itself for charging a student loan such a large interest rate. In the years I have been making payments, I have not seen the amount owed decrease  1 cent ; in fact, it has increased by thousands of dollars.   During a time of financial hardship in  XXXX , I was unable to defer payments through  Wells Fargo , they only allot 6 months of this and mine were used. Because of this  I started to incur late fees that added up to a couple hundred dollars while I would work on trying to find a way to make a payment. I left so many messages asking for these late fees to be reduced for hardships and never heard back from a represe ntative. All of this is unreasonable to me, and I find a negative impact on myself, mostly financially but also personally with struggling to accommodate all my student debt ; it also potentially impacts my family in the respect that they cosigned the student loan.
The company is CCS companies calling my place of employment to collect a debt. I do not want them calling my place of employment at XXXX, XXXX XXXX Government. My name is XXXX XXXX and can reach me at XXXX.
I have contacted Equifax several times regarding my personal information. I have asked several representatives to update my mailing address as well as my name on my report. I went through the report and they assured me my information would be updated. Even I received my new credit report, the names and addresses I asked to be removed were still showing.
Navient is either completely incompetent or blatantly dishonest. 

I have two sets of loans with them : 1 ) an old spousal consolidation loan from early XXXX 's ( we divorced in XXXX ) ; 2 ) a personal ( i.e. NOT A SPOUSAL LOAN ) from a couple years ago that was taken out in its entirety when I was SINGLE almost 10 years after I had been divorced. I have an IBR plan on my personal loan ONLY that I am trying to re-certify.

Navient keeps sending me letters saying that they need my spouse 's proof of income to process re-certification of my personal loan. This is WRONG and they are either idiots or crooks, and I am  tired of going through this with them every year. This is not a new application for a repayment plan - I am only trying to re-certify an ALREADY APPROVED IBR PLAN!! My ex-wife from 10 years ago has nothing to do with it, and I am not going to give them her income information. They have my tax returns they just need to do their jobs and re-certify. 

I have called Navient customer support 4 times ( this year, last year when I was trying to get the application approved it took a dozen phone calls and threat of a lawsuit ). Each time the CSR gives me a completely different excuse about what went wrong and a completely different action I need to take to resolve it. So far XXXX on XXXX at XXXX PST, XXXX XXXX XXXX at XXXX PST, XXXX on XXXX at XXXX XXXX XXXX PST and XXXX on XXXX at XXXX PST have all told me different things, have all offered erroneous solutions, and have not a single one of them actually done anything to resolve the issue. 

So I 'll close as I began ... Navient is either completely incompetent or blatantly dishonest.
I have a car loan with Ally financial since XX/XX/XXXX never late on any payments. My car was a total loss due to flooding that occurred on XXXX/XXXX/XXXX and auto insurance total the car the following week. I called Ally I explain the rep my car was total loss " what do I need to do '' she mention that I needed to contact my insurance. I specifically ask about the payments and she stated car was total so the insurance will contact them, My payment was due on XXXX/XXXX/XXXX. Ally Reported my account to the credit bureau as delinquent. I called Ally multiple times from the collections department to the total loss claims no one has been able to explain to me why if the car was a total loss and my insurance will cover and also have GAP insurance why the account was reported as delinquent. I did not received any calls from Ally or any third party collections agency in behalf of Ally or any documents via mail or email on regards of the account been late, I had set online access to make my monthly payments but after I reported to Ally the total loss the account was remove and I do n't have access to see the status of the account until my credit report send me an alert about XXXX account being delinquent, I have not been able to get an answer from no one at ally but " system generated a report every 30 days after the account is late, so the report is send every 30 days by a computer '' It do n't make sense to me and now I 'm delinquent 60 days I have called multiple times and a supervisor requested me to submit a payment to cover the 2 months and he will try to see if they can remove the delinquent report from my credit. This is not fair treatment to a customer, I was mislead with incorrect information, I trusted them with my situation and believed was been handle in a professional way. Is very overwhelming losing my car in a flood and now my credit has a delinquent report.
I was basically duped into thinking I 'd be able to get a job with my XXXX degree after graduation. My school refuses to hire me. I reached the student loan cap, so now I ca n't even go back to school for a useful degree. On top of that, Navient, which used to be XXXX XXXX, so I 'm pretty sure I did n't sign a contract with Navient, keeps sending me emails and ruining my credit score yet when I attempt to contact them on their website, my personal information is " wrong '' and when I called about it, the person on the phone said that was n't his job. Well I 'd like a job.
I purchased a property approximately 16 years ago. Alien that existed prior to my purchase exist up to today. I have tried getting help with this issue and no one returns my calls or responds to my documents.
Id like my inquiry looked into in regards to my Citi bank XXXX credit card. I noticed on my last statement that my APR went to 29.99 % up from the previous rate of 17.24 %. I tried figuring it out and did not see any late payments on my statements. I called and spoke to a very rude and sarcastic representative from Citi. She informed me that I had no late payments and would keep looking. She then started saying missed one here, missed one here and so on. I interrupted her because I got defensive and said What do you mean I missed one? She then stumbled to try and explain that I was in a penalty APR because I didnt make my payment in full. I said I was aware a couple months I did not make the full payment but when I realized it I paid the extra. Before the due date. She then stated Well because you have 5 times of this happening within 12 months we are raising your rate. I am beyond baffled. First of all Citi is the only credit company I have seen that changes its minimum payments by almost cent each month to almost catch customer off and enforce this very sneaky policy. A policy that exists for the sole Eason of them raising their rates. This coming off a recent case you won on behalf of customer because they refused to check customers account for rate adjustments. At any rate I did get a little rude because I feel I m being cheated as a consumer. I get it they are there to make money but at the same time they are. Simply because I didnt make the full payment due in one payment they are penalizing me by DOUBLING my APR when I have NEVER had a late fee. I could understand if I was late and they had late fee to prove it or if I was past due but that is not the case. I want my original APR reinstated.
Debt is from the college I attended for my XXXX  study. It is the fee to graduate. Was not notified that it would go to collection, nor was I notified that it was with a collection agency. No one contacted me. I called school to pay and was told it was with a collection agency. Paid the debt with the collection agency and it is still appearing on my credit report months later. I was told it would be removed from my credit once I paid it.
On X/XX/2017, I mailed a dispute letter to XXXX asking them to remove a negative account, AMERICAN CREDIT ACCEPTANCE from my credit report OR to verify that the debt belonged to me and to send me the name, address and phone number of the person that verified the debt. I wanted them to obtain physical proof. The dispute result came back as " updated and verified ''. In addition, XXXX has allowed this company to raise the balance owed on more than one occasion. I have NO open account with this company and yet, XXXX keeps allowing them to raise the balance. I am desperately trying to buy a home and this is keeping me from that goal.
I sent Certified letters to Experian and  XXXX  on  XXXX   XXXX ,  XXXX  ( I have the receipts ) requesting that they correct  XXXX   XXXX  Loans that were included in my Chapter  XXXX  BK  XXXX  on  XXXX / XXXX / XXXX . I also sent a fax to  XXXX  on  XXXX / XXXX / XXXX  requesting the correction. They are showing these  XXXX  accounts as delinquent and my  credit score h as dropped over  XXXX  points. These were private loans ( not student loans ) and co-signer is now responsible. I also sent the bureaus the letters from  XXXX  dated  XXXX / XXXX / XXXX  confirming that I am no longer responsible for these  XXXX  accounts.
XX/XX/2015 XXXX XXXX XXXX entered me into a contract without my knowledge or council for a undisclosed amount as of right now the damages are XXXX continuing XXXX monthly.
Seterus has unlawfully reported 30 day past due payments to credit bureau, they state for the months of XXXX and XXXX XXXX that i was 30 days late, I have bank statements to prove the funds withdrew from my account before a 30 day time period. They also increased my escrow account to increase my payment and given no proof that the escrow balance was out of funds, Seterus has poorly managed my mortgage account, with numerous harassing phone calls, even though I call them and also fax them if I will be several days late in my monthly payment, but I do ALWAYS pay before ever being 30 days late. When I have faxed them as per their website to contact them via fax never once have I received confirmation of my fax, I just continue to be harassed via telephone calls on a numerous daily basis.
XX/XX/XXXX I contacted the CareCredit company to send the XXXX to my new address, so that once it was mailed, I could activate it. I was away for school and once the semester finished beginning of XX/XX/XXXX, I returned home to get the card from my mail and activate it. It said the account was closed on XX/XX/XXXX because the activation period had passed. I contacted the company to reverse this decision and reinstate the card so I could activate it seeing as I had the card in my hands, but they refused to do so and gave me the run around. I have paid my bills on time always with the company, and just want to use my card. It is not my fault there is a delay in things getting sent in the mail, and it is not my fault when there is a hectic semester and I can not travel back and forth between home at my convenience, nor is it my fault if it is difficult to mail sensitive documents and items back and forth when it is better for me to access these things in person.
XXXX is reporting the same account twice to the credit agencies. I only have One open credit card account with XXXX. The account was open XX/XX/2015, balance {$1000.00}. 

XXXX XXXX is not reporting my XXXX XXXX XXXX credit card to all three credit bureaus. Balance is {$500.00} XXXX is not reporting my XXXX XXXX XXXX credit card to the credit bureaus. Balance is {$1500.00} XXXX  XXXX XXXX is not reporting my XXXX XXXX Credit card to all credit bureaus. Balance is {$2200.00}
My property is originally financed by Wells Fargo Bank and Insured by XXXX XXXX XXXX. When I applied for a Home mortgage refinance Loan it was denied. I asked for refinancing on the first mortgage because there is a first mortgage and a second mortgage on the property. I pay the property taxes and the Insurance premium on the property to reduce the cost of refinancing. I was told by the banks representative that I must include in the loan refinance package the following : First mortgage and second property loans Taxes and property Insurance All closing fees. 
Due to the piling on fees, I could not afford the loan package offered by Wells Fargo Bank. It appears the bank offered was intended to be unacceptable. 

My second Home Refinance attempt, I was informed by Wells Fargo Bank representative that a XXXX XXXX Dollar ( {$300.00} ) appraisal fees is required, the appraiser fee was to be placed on a credit card and no guarantee the loan would be approved. I did not have the money, therefore I was denied by the bank. 

My third attempt to refinance the home loan, the Wells Fargo representative stated I needed XXXX XXXX XXXX ( {$500.00} ) on a credit card for appraiser fees. I was denied refinancing because my debt ratio was to high. 
My income debt ratio is high due to the high interest rates I pay Wells Fargo Bank on the property first and second mortgage, that is XXXX of the reasons,
I have student loans through a company that i make payments on monthly. However they have put late pays on my report and even put a 90 day late on when i still make payments monthly. I call them to pay them and complain about the late pays and they are very rude and unsympathetic even when it is their mistake.
OKAY SO I 'M A LITTLE CONFUSED RIGHT NOW. THE FIRST REQUEST I SUBMITTED YOU SEND ME A LETTER BACK STATING THAT IT WAS A FRAUD DISPUTE AND THAT YOU WERE N'T INVESTIGATING. I SENT ANOTHER LETTER THAT APPARENTLY GOT OVERLOOKED. I FILED A COMPLAINT WITH CFPB ABOUT NOT GETTING THESE INACCURACIES INVESTIGATED AND YOU SEND ME A LETTER BACK STATING THAT YOU WILL NOT INVESTIGATE THESE ITEMS AGAIN. WHEN DID YOU INVESTIGATE? WHO DID YOU SPEAK WITH? CAN I HAVE THE DATE AND TIME THAT THESE ITEMS WERE VERIFIED TO YOUR COMPANY? I NEED THIS INFORMATION FOR MY NEXT STEP. APPARENTLY YOU HAVE NO REGARDS FOR THE FEDERAL LAW SINCE YOU CONTINUE TO VIOLATE MY CONSUMER RIGHTS AND DISPLAY THIS INACCURATE INFORMATION!!!!!!!! PLEASE SEND ME THE METHOD OF VERIFICATITON, DATES AND INFORMATION THAT YOU HAVE TO BACK UP YOUR CLAIMS FOR THE FOLLOWING ACCOUNTS 1 XXXX XXXX XXXX # XXXX IS ILLEGALLY COLLECTING DEBTS IN THE STATE OF LOUISIANA BECAUSE THEIR LICENSE IS INACTIVE. 2. XXXX XXXX I HAVE NEVER DONE BUSINESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY. 3. XXXX XXXX XXXX I HAVE NEVER BEEN LATE 4.  XXXXXXXX XXXX XXXX # XXXX I PAY ALL MY BILLS ON TIME. THIS INFORMATION IS INCORRECT. 15 DAYS IS MORE THAN ENOUGH TIME TO FURNISH ME WITH ALL SUPPORTING DOCUMENTS THAT I REQUESTED **TRACKING**
I have been trying to get Wells Fargo to talk to about my mortgage to save my house from foreclosure for the past 4 years with no resolution. I attended the workshop that the DOJ held on XXXX in XXXX and was told that I needed more paperwork sent ( again ) which I sent on XXXX as I agreed. Wells Fargo was suppose to contact me on XXXX to confirm and to date I still have not heard back from them.
I have an Flexible Spending Account for childcare expenses through my employer, that is managed by Bank of America. On XX/XX/XXXX I utilized all XXXX funds in the account in the amount of {$310.00}, prepaying childcare into XXXX because I could not find any documentation on the date when XXXX funds needed to be utilized. 

Bank of America denied my claim for funds in the XXXX multiple times, even after being provided with receipts from XXXX XXXX ASEP Program ( After School Education Program ), which is an eligible dependent care service. Bank of America XXXX claimed that it was not clear that the program was for XXXX and that a note I had entered on the payment noting " XXXX XXXX out '' made it ineligible for payment ( the note was manually entered for my record keeping in the XXXX XXXX, and was not part of the receipt information ). 

This is laughable, as I have used my FSA funds for this dependent care service since XXXX of XXXX, and Bank of America has paid XXXX claims to XXXX for XXXX based on the receipt generated with each payment, prior to the denial of the XX/XX/XXXX payment. It took three denials and an additional receipt from the teacher at the school to get them to cover the claim with my XXXX funds. 

My most recent payment on XX/XX/XXXX for dependent care in the amount of {$140.00} to XXXX has similarly been denied, with the claim there were no dates of service on the receipt XXXX dates of service don't auto-generate on the receipt, especially as we must pre-pay for service and there can be weeks with pro-rated amounts carried over ). I then supplied a receipt with the dates of service and the claim was again denied by Bank of America on the grounds that there is no evidence that the payment is to a dependent care provider. They have refused to acknowledge that XXXX is an acronym for " After School Educational Program '', despite the fact that the care is through a public school and that they are an eligible provider of dependent care services. I am frustrated with making multiple calls and providing multiple receipts to access my own funds in my XXXX account. I believe they are hoping to retain the funds by making them impossible to use for their intended purpose.
The account I am disputing is over 7 years old and should be removed. XXXX and XXXX have deleted it, Equifax refuses.
Citbank {$400.00} promotion.

At Bank : $ XXXX  for 60 days. Promotion will hit on the 90th day after I deposit $ XXXX Phone call @ 90 Day Mark : $ XXXX for 60 days. Promotion will hit on the 90th day after the initial 60 days.

Phone call @ 150 Day Mark : $ XXXX   within first 30 days. $ XXXX for 60 days after the first 30 days. Promotion will hit on the 90th day after the initial 60 days. Then the representative realized she made a mistake and will have to push it to investigation. Someone will get back to me within the next 10 business days.

This is 100 % deception to have people open accounts and keep them open for as long as possible. Willing to enter class action law suit.