WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm highly disappointed with American Express. I 've been a XXXX XXXX Rewards card holder for over 4 years. I have excellent credit and have never missed a payment. My wife recently ( joint card holder ) sent me a payment via XXXX and she thought that she was using a new debit card. Instead XXXX used the Amex that was originally linked to the account. We tried to cancel the payment after we discovered the error but were n't allowed to cancel. Was n't a big deal in our opinion but days later American Express cancelled my account. When I called in to see what the problem was, I was told that Amex does n't allow you to send payments to yourself and that my account could not be reinstated. That is extremely harsh considering it was a simple mistake that we immediately tried to remedy. I 've never had any previous issues with Amex or it 's customer service up until this point. Over 4 years of excellent credit history whipped away due to a simple mistake. I was told that I could reapply in the future, but with this level of treatment I 'm sure I 'll never do business with American Express again. I 'll definitely advise anyone I know to steer clear of Amex products.
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was in forbearance status with Nelnet and it has been reported that I had late payments on these dates. This info is incorrect as I have contacted Nelnet directly and was told that this info wouldn't be reported as late payments initially. Once I saw that this was reported despite the conversations that had been held I began to reach out to them direct with no changes to my report. I have since cut ties with Nelnet due to this issue and consolidated my loans w/ another Student Loan company. My Nelnet balance has been paid but the late reporting is still showing on all my credit reports.
Dear CFPB Im filing this complaint in the hopes you will be able to force Portfolio Recovery PR to either provide the original terms and agreement contract, including the terms regarding the security deposit entered into with XXXX XXXX or cease all collection activity on this account and remove any and all reporting of this account to the credit reporting agencies. <P/>Ive dispute the amount owed on this account from the beginning, first with XXXX XXXX, and then finally with PR. Each time with PR I would question the amount owed and each time they would provide the same 3 XXXX XXXX statements. Ive requested the original terms and agreement multiple times so I can confirm that the rates and fees charged was what I originally agreed too. I also had concerns on how my security deposit was handled, was it interest bearing, was the interest credit to me, how was the deposit supposed to be handled in the event of a default, and were fees taken out? Heck it took over 6 months for PR to even acknowledge there was a security deposit. <P/>I tried reaching out to PR again this afternoon and started talking to XXXX in the collection department. She validated me then went right into her script asking how I wanted to take care of my debt. I responded again by questioning the amount and why they refused send me the original terms and agreement. She put me on hold and XXXX, a senior account executive, popped on the line and tried to address my concerns. I explained that not a single concern was addressed in the documents provided, he responded he could request the terms and agreement a 3rd time. I asked point blank if they had the original terms and agreement, and he said he was looking at them. I responded by asking if they were the original terms and agreement, he said it didnt say it was an original level document. Is this what their going to try and pass off my terms and agreement? At that point he transferred me to XXXX is the dispute department. <P/>XXXX went into the same script as everyone else, the 3 XXXX XXXX statements sent is all thats required and that the original terms and agreement is not required to be sent. Of course I asked how PR could be sure that the terms of the security deposit and the rate and fees charged were as originally agreed, he didnt respond. Instead he said he would send the terms and agreement as a curtesy.WHAT!! He said he had them, I asked if they were the original terms and agreement and he said yes. I made it clear once again that besides the basic terms I wanted the terms of the security deposit account and if wanted to go the legal route would I have to file a lawsuit or file for arbitration. He said it was 8 pages and he wasnt going to read it. <P/>So now I dont know what to expect, are they sending me my original terms and agreement or something they put together. How do they suddenly have them, why wouldnt they have sent them before or at the very least when they realized they had them? None of this makes sense and I would appreciate any help or guidance. FYI I have every conversation recorded and able to provide or have transcripts made. Also feel free to forward to any regulatory agency you see fit Kind Regards
Attempted to get a re-fi quote from Quickens loan. I initiated a chat with XXXX XXXX, provided him my details and got the info I needed. I advised him to send me the breakdown of his offer. I was then asked about other options I have taken. I asked him why? He the proceeded to use scare tactics.See below : Absolutely. I will send that over right now. XXXX what other options are you considering if you decide not to move forward with this? 
XXXX XXXX at XXXX, XX/XX/XXXX : why? 
XXXX XXXX at XXXX, XX/XX/XXXX : The reason I say that is because this is saving you over 300 dollars a month and the credit score is at XXXX. If it falls one point you will not be able to do a loan anywhere. This is a start for you to start paying off debt, it gives you an opportunity to start doing something with the debt. If there is no plan B, and the debt continues to grow you credit will continue to fall. 
XXXX XXXX at XXXX, XX/XX/XXXX : I am aware. I understand you have a sales goal and need to reach that but trying to get a sale by placing fear into someone is a bit unethical and the CFPB would not think kindly of that approach XXXX XXXX at XXXX, XXXX XXXX : send me the info I have requested and I will make a decsions XXXX XXXX at XXXX, XXXX XXXX : XXXX I apologize. This has nothing to do with my sales goal. I will send you the information. 
XXXX XXXX at XXXX, XX/XX/XXXX : When can I circle back around with you XXXX XXXX at XXXX, XX/XX/XXXX : tomorrow or Monday? 
XXXX XXXX at XXXX, XX/XX/XXXX : I work daily with the CFPB and you are not permitted to use scare tactics. 
XXXX XXXX at XXXX, XX/XX/XXXX : Our company is obviously regulated by them. As the # 1 rated lender in the nation you can appreciate that we take that role very seriously. Just like a Dr. giving a recommendation to a patient so am I giving a financial recommendation to you. I 'm sorry if my honesty was viewed as a scare tactic it was n't meant to be taken that way XXXX XXXX at XXXX, XX/XX/XXXX : I am not compensated based on your loan amount, loan program, cost, or interest rate. My goal is to find a loan that meets your goals and gets to the closing. I am promoted within the company based on how highly you rate me so obviously I 'm not here to scare you XXXX XXXX at XXXX, XX/XX/XXXX : Again I apologize if it came off that way. 
XXXX XXXX at XXXX, XX/XX/XXXX : I take this job very seriously and saw an opportunity to help you XXXX XXXX at XXXX, XX/XX/XXXX : that is all XXXX XXXX at XXXX, XX/XX/XXXX : So I will send you the info you are requesting. When is a good time for me to follow up with you tomorrow or Monday so that I can answer any questions you have based on the info I send? 
XXXX XXXX at XXXX, XX/XX/XXXX : send me the quote-nothing more XXXX XXXX at XXXX, XX/XX/XXXX : not a problem XXXX.
Calling every single day with a robot voice, never a human. Calls have been happening for over 3 months every week day, try to call the number provided and never get an answer, they only leave voicemails. XXXX
XXXX XXXX contacted me regarding a past due balance for a credit card that they claimed was mine. They then demanded my personal information to " Validate '' the account. I was then informed that the information that they had on record did not match mine and that the account would be closed and processed as fraud. I have had XXXX XXXX showing on my credit report as " Closed '' with a past due balance of {$1300.00}. I have contacted them every single month since XX/XX/2018 and they still are illegally reporting this as a closed account with a negative balance.
Negative Credit Reporting in error for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX due to break in service by XXXX and unfair and unjust lending service and standards. XXXX broke service failing to notify co-signor of loan amount due and status of loan, due to data base error on XXXX 's part during the time period of XX/XX/XXXX - XX/XX/XXXX. XXXX had a database error and replaced current address co-signor provided and requested she be notified at, with old XXXX address resulting in co-signor not being promptly notified regarding student loan payments not being made in full. XXXX in error replaced the co signors current address on file, with a XXXX address file from when the co-signor was a young girl with a XXXX student loan outstanding, which was paid off in full prior to co-signing the military veterans loans. XXXX sent personal loan information to an unauthorized address instead of the address provided to the lender by the co-signor and caused a negative credit rating for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, as well as, undue risk to the co-signor. Once co-signor was made aware of issue co-signor promptly took action and put loan in good standing. Loan was being paid on during period of concern by borrower. Negative credit reporting on co- signors credit for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX should be promptly reversed due to break in service error by XXXX . XXXX had good address on file for co-signor and co- signor made every effort to correspond with lender at all times. XXXX broke service with co-signor regarding the financial product during the period of XXXX XXXX XX/XX/XXXX although address was readily available listed under co-signors social security number with XXXX . Do-signor was always willing and able to pay on the loan cosigned which generates substantial income for XXXX at a 4.5 percent rate. In addition, XXXX XXXX loans cosigned were being paid on, small amounts of payments were being made by military person and his wife during the entire time period concerned. Family with XXXX children did their best to keep the loans in good standing while undergoing financial hardship. Once I was made aware of issue I immediately took action to pay on loan and put it in good standing. Co-signor has excellent credit otherwise and pays all bills at end of month, no other debt outstanding.
After 2 years of continuous payment with Navient ( formerly XXXX ) I requested my cosigner be released because he has been threatening me. My credit report stated XXXX and I have XXXX delinquencies based on the report I printed out. They still rejected my claim. They did not want to work with me whatsoever.
I refinanced my Wells Fargo home loan, the refi loan closed and was paid in full on XX/XX/18. On XX/XX/2018 they charged XXXX to PMI. There is no balance to cause a PMI charge, this doesnt make sense.
After sending information to verify myself with my disputeson XX/XX/XXXX and XX/XX/XXXX, XXXX, XXXX, & Transunion have not investigated or responded to disputed items on my credit report. They have violated the FCRA 30-day-to-respond regulation.Transunion finally responded XX/XX/XXXX but still in gross violation of FCRA regulations ....
I contacted all three credit bureau to have account removed but is still on credit report. Contacted few times no results.
On my XXXX report dated XXXX, Chase is showing " reaffirmation of debt ( included in bankruptcy ). We do not have a bankruptcy. I contacted Chase XXXX ( Sp/w XXXX XXXX ) on XX/XX/XXXX after disputing this issue with XXXX  and the other bureaus ( XXXX and XXXX ). XXXX XXXX advised that she would have the issue resolved by sending a request to XXXX to have the inaccurate verbiage removed from our credit report and would send me a letter detailing the resolution. I received the faxed letter this morning and this issue is not resolved. The letter sent to me dated XXXX from Chase MTG says there is no foreclosure on my credit reports. We never discussed a foreclosure nor have we ever had a foreclosure! The letter goes on to say that they are requesting all 4 bureaus to update our account with reaffirmation of debt, which is incorrect. We do not have a bankruptcy! I hope that they do not make this request and cause the other two bureaus to report incorrect information. I have attached the letter for your review. 

After receiving this faxed letter, I immediately contacted Chase MTG and spoke with XXXX XXXX, I explained why I was calling and that we do not have a bankruptcy, but Chase MTG keep insisting on reporting incorrect and inaccurate information. XXXX XXXX agreed to resubmit another request to XXXX  requesting that the verbiage : reaffirmation of debt ( included in Bankruptcy ) be removed. 

I am not confident that this situation will be resolved immediately, so I am reaching out to you for assistance with Chase MTG and XXXX.
My closing cost change many times, I had 3 estimate costing close and one closing disclosure cost, in my first estimate I had to pay XXXX, than less than a week send another estimate for XXXX, than for a XXXX, now in the closing disclosure is XXXX. Also the lender have change the day for closing several time, first was XXXX XXXX, than XXXX XXXX and a possible closing for XXXX XXXX, and now is on XXXX XXXX, they did n't notify me when they chance the one that was on XXXX XXXX, even right now I do n't know the hour of the closing for XXXX XXXX, I had contact the lender and let them know that I need the closing on XXXX or XXXX, becuase I have until XXXX XXXX at XXXX to turn in the apartment or I have to pay a full month. Also I had contact the lender about the closing cost, and they do n't give a clear numbers, they said that was a mistake that it will be correct on the closing day. Also need to close before XXXX XXXX because I do n't work in the weekend so I can move my belongs, Just need to rent a truck and a few movers. but if is on XXXX XXXX than I need to hire movers and the truck and have more cost to me. Also my kids will lose class day because I need the evidence that I buy the house to enroll them to the new school. 

In resume this situation have cost me more money, they change the closing cost and not even be responsible with the day of the closing and move it at they conveniens and not my as a client.
On XXXX XXXX, XXXX my mortgage servicer, Seterus, contacted someone unaffliated with my mortgage - my ex-wife. Our divorce was finalized in XXXX XXXX. The mortgage orginated in XXXX XXXX ( Seterus acquired the note XXXX ). Seterus has my contact information as well as my current wife 's contact information on file with the account. Yet, Seterus called my ex-wife 's house phone number which is listed under her current married last name and is different than the phone number that we had when married. The Seterus representative asked for me by name. The representative did not disclose why they were seeking me and refused to remove her name & number from the account at her request since she is not personally connected to the account. Seterus verified that they have my contact information on file as they contacted me via cellphone on XXXX XXXX, XXXX. The representative stated during that call that I was contacted on XXXX XXXX, XXXX, which I corrected. There is absolutely no way that my account with Seterus has my ex-wife 's information associated with it. My specific complaint is that Seterus conducted itself in an unprofessional, haphazard and wreckless manner by intentionally contacting someone unrealted with my account. This continued practice easily could result in Seterus breaching confidentiality.
Equifax continues to put inaccurate information on my credit report. I have sent them adequate proof to remove this descrepancy XXXX debt collection XXXX off my credit report. I was denied credit with XXXX because of the debt collection. Equifax have not removed this collections off my credit report, even after I have sent them court documents where this case was dismissed by XXXX XXXX XXXX due to the fact they could not verify this debt as belonging to me. I have repeatedly written Equifax asking them to send me the " Method of Verification '' used to verify this debt as belonging to me and they refuse to send me anything. Equifax keep saying it was verified. After getting legal counsel to help with this issue, my attorney XXXX XXXX XXXX XXXX XXXX XXXX asked XXXX XXXX XXXX XXXX send them verification that the debt belongs to me. XXXX XXXX, never received anything from XXXX XXXX XXXX that they verified that the debt belongs to me. So, XXXX XXXX XXXX eventually dismissed the case against me. I sent Equifax a certified letter on XXXX XXXX, 2015 asking them to remove this debt collections of my report, with the court documents that it was dismissed by XXXX XXXX XXXX and still to this day I have yet to receive anything from them and the debt collection is still on my report. I sent the same documents to XXXX and they finally removed the debt collections off my credit report ( I added this to the PDF file, also ).
I started the Customer Assistance PlanXX/XX/XXXX Per the representative my payments of {$110.00} would start the month of XX/XX/XXXX on my due date which is the XX/XX/XXXX. All payments were made by phone on XX/XX/XXXX and clear my bank. Told by representative when clear bank even though it was another day that the payment would show on XX/XX/XXXX and not be reported late. Receive credit report dated XX/XX/XXXX showing late from XX/XX/XXXX until XX/XX/XXXX.  ALL PAYMENTS HAVE BEEN MADE ON XX/XX/XXXX BY PHONE.
I had file a complain XXXX against SYNCHRONY FINANCIAL a month ago. After that complain, the office of the president sent me an email through its senior customer relationship in the name of XXXX. They agreed to reimburse the over charged they put on my credit card and said they have mailed me the refund check of {$530.00}. They also said I will receive the check within 5 to 10 days. After 3 weeks of not receiving my money, I called many times to know the status of my check and finally, XXXX picked up the phone and said she will look into that. I still have not heard from her. I left her 4 voice messages and an email but she never returned my call or reply to my email. I understand {$530.00} is not a lot money for her but for me, that's a lot. It a money I can use to help pay my daugther 's daycare, it's a money I can use to help pay my mortgage among other thing. I am not looking for any charity from SYNCHRONY FINANCIAL. I want my money back. That's all.
I received an alert from XXXX that an change was made to my credit report. I then determine the change was the reporting of a {$1400.00} medical collection debt from Common Wealth Financial Systems. I have received no prior correspondence from Common Wealth prior to negatively impacting my credit. I then contacted them via phone and was informed that it was for a 2012 XXXX bill for my daughter. I informed that Collections agent that I was not aware of any charges due from 2012. How is it legal for the Collections agency to impact my credit without me receiving a notice of right to dispute?
SunWest Mortgage is receiving XXXX loan # XXXX and not reporting to XXXX, XXXX & XXXX as well SunWest refuses to send me my monthly Mortgage Statement and without my permission enrolling me in paperless billing and making it difficult for me to send in my payment they are taking ever avenue to direct me in auto-pay I REFUSE TO GIVE THEM PERMISSION TO AUTO WITHDRAWAL FROM MY ACCOUNT in lieu of my refusal there making it difficult to manage my payments and there not reporting history.
XXXX. NATIONSTAR Other Loan Late 120 Days {$0.00} XXXX XXXX, 2017 Account still states that I was late 120 Days. Payment history wrong. The account needs to be corrected on my credit reports. Please correct that I was not late just closing and did a deed in lieu. Thank you.
RE : SunTrust Bank, XXXX, VA XXXX 1. My company received a check from a new customer in the amount of {$1800.00} for the purchase of product. The check was written on SunTrust Bank. 

2. Based on new customer status, I hand delivered the check to SunTrust Bank and requested verification of funds availability. 

3. A SunTrust manager at that location certified that funds were available in the new customer 's account. 

4. Based on funds availability, I requested that the check be cashed, then used the funds to open a new SunTrust corporate account. 

5. The very next day, I returned to the same SunTrust Bank branch to request a cashier 's check to be issued from my newly opened corporate account. 

6. The teller advised me that the funds from the previous day were clear and available. 

7. Based on this information, I requested a cashier 's check to be written, payable to the manufacturer of product for my new customer. 

8. Approximately two weeks later, I received an overdraft notice in the amount of {$1800.00}. 

9. I returned to SunTrust Bank and spoke to the branch manager, who stated that SunTrust apparently had made an error and that the problem would be corrected, however ; 10. SunTrust is now refusing to make any correction and insists that I repay SunTrust for the bounced check. 

11. I contacted the customer whom I had received the check from, advised him of the situation, and asked to be reimbursed. 

12. Eventually, he gave me a partial payment of {$1200.00} cash, which I took to the same SunTrust branch and deposited into my corporate account to cover the overdraft. 

13. Approximately one week later, I returned to the same SunTrust branch to pay the remaining balance due on the account. 

14. The teller advised me that there was no record of the {$1200.00} cash deposit I had made the week before. 

15. I contacted SunTrust Customer Support and asked if the branch 's video could be reviewed by SunTrust authorities to verify 1 ) my presence at the bank that day and 2 ) the cash deposit that was made. 

16. The SunTrust representative told me that SunTrust Bank does not do that sort of thing. 

17. No further assistance has been given. 

18. Suntrust Bank has mishandled every transaction I 've encountered with them since opening my corporate account. In addition, during one of my visits, they provided me with someone else 's account information. 

Fairness is not the issue here. SunTrust has mishandled my account and stolen my money. I demand it be returned to me immediately. That is the only right and just resolution.
In violation of the FDCPA, Professional Account Management continues to send threatening letters, texts, and voice mails in an attempt to collect a debt that is not owed. They have ignored all cease and desist requests and refused to provide any evidence to support its claim.