WillisBack/dataset-financial-user-claim huggingface dataset:
I Made An Online Purchase And Did n't Receive The Product. I Had Contacted The Merchant And They Sent me a Refund E mail Telling Me To Contact My Bank " BMO Harris '' in Order To Get A Refund. I Contacted BMO Harris and They Told Me That They Would Send Me A Claim Form To Fill Out And To Drop It off at Any BMO Branch. 
After A Week I Still Did n't Receive The Claim Fourm And Contacted BMO Harris Again And They Said They Would Send The Fourm Again. Instead Of The Claim Forum I Received A Letter Telling Me That My Dispute Is With The Merchant Over An Authorized Transaction And That They Will Not Continue The Claim And BMO Was Closing My Claim. 
( This Is The Refund E mail From The Merchant ) Important Order Info Inside ... 

Act immediately if you want a 100 % REFUND on your order. Your order will NOT ship! Please read below and follow the instructions very carefully. Failure to follow the instructions will mean you will not receive your refund. 

As was stated in a previous email, the money you paid for your order is being sequestered by XXXX and as much as we would like to refund you directly, we can not as we have been locked out of managing our XXXX Account. 

However, this does not mean that you can not receive the FULL REFUND that you are owed. Follow the following instructions in order to get your money back ASAP. 

1. If you paid for your order via XXXX, log into your XXXX account and effect a dispute on your payment to XXXX XXXX. If you paid for your order via Credit Card, please contact your bank or credit card issuer as soon as you are able. 

Again, we sincerely apologize for any inconvenience this has caused by XXXX. 

The Management XXXX This Is The Only Information The Merchant Is Providing Witch Gives Permission For My Bank To Reverse the Charges. 
I Do n't Know Why The Bank Will Not Reverse The Charges??
TOYOTA MOTOR CREDIT CORPORATION has no legitimate claim I to my consumer property. They are not a party to the contract I signed with XXXX The Contract listed XXXX as the CREDITOR/SELLER. 

TOYOTA MOTOR CREDIT CORPORATION is not Holder in Due Course of my Consumer private property. I feel that TMCC has conspired against me along with XXXX. I was not given FULL DISCLOSURE and COSUMATION pursuant to Regulation Z of the Truth In Lending Act. 

I have sent out communication via certified mail to TMCC to resolve this matter privately, which they have disregarded, violating my Federally Protected Consumer Rights. 

TMCC has now placed a repossession order on my private consumer good. I am being intimidated by a repossession man and tow truck at the front of my home at which I had to call the police at around XXXX XXXX/XXXX/2017.
CD matured XX/XX/2018, maturity notice was sent to my address at XXXX XXXX , XXXX . 
I closed the acct., check was not received, called bank and was informed cd was closed and check sent. I called again and was informed check was sent to my winter address in XXXX. and after several attempts to deliver it, check was returned to bank. Check would be arriving by XXXX XXXX XX/XX/XXXX. When it didn't arrive, I called again, it has been 24 days that this money, over {$40000.00}. has not been receiving interest and now told XXXX XXXX will deliver it XX/XX/XXXX. How can a bank treat a customer like this? If I rec. check on XX/XX/XXXX, it will be 25 days, I have been without the use of this money.
Perosnal Finance and their parent company refuse to help me. I need my credit report to be accurate and they have reported a new open account and I dont have one!
I ordered a XXXX service in XXXX of 2016. On XXXX XXXX, 2016 my husband 's card was charged {$440.00} for XXXX year of XXXX service. By the end of XXXX and into the first week in XXXX, XXXX failed to provide service to me. I called and called multiple times, created an online profile, requested service, called the branch and attempted to get a straight answer or time for when service was to be rendered at my home. I would get calls from " technicians '' that they ca n't make it, they are late, they will come in another 2 hours etc., but to no avail. They never showed up. Finally, I called the branch and cancelled my service, per their satisfaction guarantee. The associate told me the service was cancelled and they will refund me the amount they owed me of {$440.00} because they failed to service my home as promised. I never received the credit. Accordingly, my husband disputed the charge with his credit card company, who after 60 days of dispute resolution with XXXX, received the credit from XXXX and credited my account with the total on XXXX XXXX, 2016. I have no heard of this issue since XXXX XXXX. Today, on XXXX XXXX, 2016, I received mail from a COLLECTIONS AGENCY : Focus Receivables Management , LLC, which states that they are going to report to my credit reporting agencies that I owe {$240.00}. I have no idea where they got this number from or why they would not have sent me a bill. I have received NO correspondence from XXXX, no bills in the mail, nothing via email, nor via my online portal. They gave me NO NOTICE whatsoever of this " outstanding '' amount owed. All of a sudden, I received this letter of collections as reported by XXXX. It is incredible to me, that a company which neither provided the service as promised, nor could resolve the lack of service issue, nor could cancel my account properly, nor refunded me the money, has the audacity to at this point send my information to a credit reporting agency and collections agency, without providing me any advance notice, and by trying to bill me a doctored amount of {$240.00}. I have called XXXX and they are now sitting on their hands. They have no apparent urgency in trying to resolve this matter, despite the fact that in 30 days the collections agency is going to report on the status of this account. I am appalled at the lack of customer service, the cheating and manipulative tactics of this company and the lack of apology or ability to quickly resolve this matter! Furthermore, this was charged on my husband 's card, and yet they submitted my name for collections. It is clear to me now how XXXX has remained in business, and that is by unduly influencing people into buying their service, failing to render service, and then reporting them for false debt to collections agency, all the while failing to resolve the matter.
XXXX XXXX XXXX is reporting erroneous information on my Equifax credit report. I have a charge-off that was reported in XXXX 2008. This debt has expired according to the statute of limitations. In addition, XXXX XXXX XXXX has posted INVALID CHARGES. The invoice was coded incorrectly. Please remove this trade line from my credit report.
NAVIENT HAS NO ANSWERS FOR ME REGARDING MY LOANS! I beleive there is deceptive practices occurring and I have exhausted all efforts to get information. I am paying all interest at this point as the initial loan ( s ) amount has been paid. Further more every month they report an increase to the credit bureaus when in fact I am paying every month and my balance is going down.

I pay {$95.00} a month for 4 loans and every month from the credit bureaus I get info that my balance has increased not decreased. 

This is the info I receive : It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
BetweenXX/XX/XXXX and XX/XX/, your NAVIENT student loan account balance increased by {$1000.00} from {$690.00} to {$1700.00}. 


Additionally I was placed and released on a forbearance program of which I have had no knowledge of and incurred missed payments derogatory marks which they will not clear.
In XX/XX/XXXX I missed a payment on my XXXX Credit Card. The payment was due on XX/XX/XXXX and I paid it on XX/XX/XXXX so just three days late. The APR went from 16.99 % to 29.99 % on my XX/XX/XXXX statement. On XX/XX/XXXX I noticed that the APR had been raised. I was in an intense training program over the summer of XXXX so that is why I missed the payment and then did not notice the rate hike right away. On XX/XX/XXXX I contacted a XXXX via online chat who put in a waiver to get the rate lowered which was approved. My concern is that according to the Credit Card Act of XX/XX/XXXX I must be at least 60 days late in order for Citi to put the penalty rate into effect. According to XXXX after missing the payment due date the penalty rate can be put into effect and I can be charged up to {$37.00} for a late fee. Again the Credit Card Act of XX/XX/XXXX limits this to {$27.00} which is all that I was charged. I feel that since I was not 60 days late the penalty rate should not have been put into effect so Citi over charged me interest from XX/XX/XXXX until XX/XX/XXXX and that interest should be refunded. I have printed off all the statements supporting all of this but am not attaching them as they contain personal information and the website says not to attach.
Ditech is showing our mortgage as 58 days late as of  XXXX  17  when they have stored unapplied amount of {$3000.00} we paid and not applied it to the mortgage. This is completely unfair. Furthermore, they are reporting it to all  XXXX  credit bureaus. I have contacted  Ditech  when the unapplied amount was approximately {$980.00} by email on  XXXX 17 and have not received a correction, just an acknowledgement of the email. Now, the unapplied amount has grown because we have been paying the mortgage, but Ditech has not applied it to the mortgage which makes us late. This is fraud.
I received communication from XXXX XXXX associates about an amount they claim I owe of XXXX. The letter was dated XXXX XXXX, XXXX to establish the debt was validated. In the letter I received a billing statement that shows a completely different amount from what is being reported to the credit bureau. The address listed is not my address and inaccurate information is being reported. A billing statement does not show a binding contract per FTC XXXX letter from Attorney XXXX XXXX XXXX. I am formally requesting a copy of any documents bearing my signature showing that I have legally binded in a contract to pay the alleged amount.
Multiple recorded calls from XXXX XXXX XXXX about a supposed debt owed to " state of sc '' a state in which i have never lived or worked.
I have never heard of this company, and they have never contacted me ( by mail, email, or on the phone ). I only found out about this so called debt by looking at my credit report on XXXX   because they sent me a notification that my collections balances went up. I logged in and saw this supposed account ( opened XX/XX/2016 ) that says its for a doctors office ( XXXX XXXX XXXX MD ) that i have used in the past, but the balance was over {$1000.00} more than the only bill i ever got from that Dr. ( current amount is {$1600.00} and the only bill i ever got from the dr was for something around {$250.00} ). I tried disputing it, but was told its a valid debt. They keep adding fees every month but still have never sent me a bill. I am afraid to contact them to find out how they came up with this amount i owe, but i'm afraid i will start to be harassed ( which not contacting me and keeping charging me fees is harassment in my eyes ).
I had an incident where my wallet was lost, along with my identification and bank cards. Upon realizing what happened, I immediately checked online for any purchases using my PNC checking accounts. I went into the nearest PNC Bank and informed a representative of what happened, identified multiple fraudulent charges, and I asked the representative to have my account information changed and reissue new cards. After a week of waiting for new cards ad account information to arrive I contacted the bank regarding when I should expect my new account information, and was informed that my accounts had been " administratively closed '', and that I should contact their loss prevention/security department for further information. When I contacted the recommended department I was basically told that my accounts were closed due to fraudulent activity, and that I would not be permitted to reopen that or any other accounts with PNC. I asked many questions, but got entirely NO answers or any satisfactory resolution. I was treated extremely unkind and was talked to as if I was a criminal. After several unsuccessful attempts to resolve this, I eventually opened an account with another bank. I recently, however, pulled my XXXX report after having been denied the ability to open another account for my son. When I received my report, I saw that PNC has reported that there has been " Suspected Fraud Activity '' on that account. That 's TOTALLY WRONG of them to do that, especially since I did everything I knew to do and that I was the one to initiated a fraud investigation in the first place. Each time I went into the branch to get answers I was referred to the same fraud department who wasted my time and treated me horribly.
I have sent in a copy of my ID with the correct mailing address to XXXX, Equifax and XXXX and they each have refused to update my address. I have recently received a letter stating that my mailing address was changed from the address that I instructed to another address that is not my address but a relative of mine. I have never used that mailing address.
XXXX mortgage with Harris, they are asking for the full balance and will not take payment. Will soon be adding late fees etc. I asked for a modification and they said I would need to see about applying for new loan at 8 % fixed. I will not gaulify for that it has been over 30 days with no answer. I do not want a new higher payment will sell in two years and pay them off. I feel they gave these loans before the mkt tanked and they should help customers who did not walk away from house and modify the XXXX until we can pay off or sell. I need a modification before they eat up what little equity I do have while they add late fees etc.
My long term partner XXXX XXXX, after unsuccessfully trying to collect this debt from his estate this collection company aggressivly came after me. This is not my debt, it was not a debt I was aware of, I do not live in an area that would make me any way legally liable for this debt. After providing the requested XXXX certificate they simply removed his name from the debt and added mine. This is and unfair, unethical and not even legal way to collect a debt.
After completing a trial modification with Chase, we applied for a modification on our mortgage, got approved for a certain amount, then began receiving bills for a different amount. In calling Chase on several occasions, I was told to disregard the bills as they were incorrect and to disregard any other communication as it was all computer generated and my agreed upon amount was " internal ''. In working with XXXX XXXX XXXX, we decided to call Chase to find out what was going on and what is the status of our mortgage - what we owe. After a two hour conversation with several folks, on XXXX/XXXX/16, I was finally referred to the department that was handling my modification. My handler was unavailabe, and messages from Chase were left for him via email and in person. I have not heard anything from the handler of this mortgage, and have not heard anything from this person in months. Other handlers at Chase would call on a regular basis - to keep me/them, updated on my mortgage as if was processed thru several departments. I do not know where I stand on my mortgage. I have asked for help from Chase and have not received an answer. I do not know if I really got a modification at all. I asked if I did not get a modification, could I apply again and I was told " not for a year '', yet I have paperwork dated XX/XX/2016 that I was preapproved to apply. I also asked for a cut in my interest rate, which is high at XXXX %. I want to begin my mortgage payments and to have a modification, but I feel my case has been mishandled and I would like help. My husband and I are both XXXX, over XXXX, and work part of the year, and are on social security. I am not pleased with the current handling of my mortgage situation by Chase.
I was involved in a car accident and my vehicle got totaled out and my insurance company was responsible for paying off the car the had written up a settlement which I have a copy of and has sent XXXX a check for a little more than XXXX and gap insurance was responsible for paying the remaining balance gap had yet to send in their portion of the check to finish paying off the car so XXXX put on my credit report that I was XXXX days past due for a payment after recieving the check from XXXX XXXX. This process is stopping me from being able to get another car because of this inquiry my credit score has dropped it was XXXX and has dropped to XXXX. I was never late with a payment on anything and when I did have my car I was never late on a payment with them. I 'm trying to get a new car and because of what they did to me it 's hard because of my credit score being so low now please help me
Hi, I am part of the hundreds of customers that were denied a home loan modification by Wells Fargo in XX/XX/XXXX-XX/XX/XXXX when experienced financial distress due to employer furloughs and other financial reasons. I sent loan modification packages to Wells Fargo for 2 years and then, due to the loan modification denials, I was forced to short sale my home. 
Since a few months ago I have been in contact with Wells Fargo and they say that their " computer glitch '' did not affect their calculations and that my case is not elegible for financial compensation. 
I believe they are wrong and that my case needs to be investigated by an independent.
XXXX House XXXX is reporting that I did not pay {$100.00} to them on or about XXXX XXXX, XXXX. I did not have any XXXX XXXX XXXX services in my name in XXXX or XXXX, XXXX. I moved at the end of XXXX and ended my services for XXXX XXXX XXXX, Unit XXXX, XXXX XXXX, FL. All bills had been paid. Services at the XXXX XXXX XXXX XXXX XXXX, XXXX, FL are in my husband 's name, XXXX XXXX. I have copies of all the bills that have been paid to XXXX when services were rendered to my husband. I dispute this bill and ding in my credit report. I have been cleared by XXXX for this charge. The name of the credit agency is Credit Protection, XXXX XXXX XXXX XXXX XXXX XXXX Suite XXXX, XXXX, TX XXXX. There telephone number is XXXX. Thank you for any assistance. Best, XXXX XXXX XXXX, XXXXXXXXXXXX
On XX/XX/XXXX, I made a purchase on XXXX  for a game console. When I checked out, it told me I could make the payment with XXXX, a money transferring service that you could make through your bank. I made my payment through my Chase banking app for {$200.00} to the websites email. 

I received a confirmation email from the company, but the next day, their website was gone. I knew I got scammed. On XX/XX/XXXX, I called Chase customer service and was transferred to their claims department. I told them as much information as I could and they informed me that they would be contacting me through email, and the process should take around 10 business day. 

Its XX/XX/XXXX and I received no communications from them. I gave the claims department a call and they told me basically the same thing and that there were no updates. I expressed my concerns to the women whom I was on the phone with. I was aware and appreciative that they were doing everything they could but I also was very adamant with getting my money back, considering I used their service. She told me there was no guarantee that I would get my money back and XXXX does not have buyer protection. ( I wish I knew that! ) She rudely said to me, we did OUR job and you did authorize the transaction. Yes I did authorize the transaction expecting a product in return. Its clear that they dont want to deal with it though and all I was told was to keep calling back for updates. I learned my lesson but I really wish Chase would protect their customers when using their services. That didnt seem fair to me.
On approximately X/XX/2017 I was notified that someone opened an unauthorized XXXX credit account in my name. I contact XXXX and the account was immediately locked and then closed. XXXX  internal investigation determine this was a fraudulent account. 

The opening of this account though required a hard credit check. I filed a dispute with Equifax then. Today I was notified the dispute investigation has been completed. When I checked in the morning it said the investigation found that the investigation found this was not a fraudulent account ( even though XXXX 's investigation said it was ). Now in the evening I am unable to access the investigation report because when I enter in the info into Equifax 's site it says that my information does not match. Equifax also provides no customer support phone numbers for users to call about this matter.
Beginning in XX/XX/XXXX, FEMA deemed our property was in the 1 % flood zone. The address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Texas XXXX. Our condo is the ONLY one listed due to the bottom floor closest to the water with a 6+ foot retaining wall. 
( XXXX XXXX XXXX ) which is a 'constant level lake ' since XX/XX/XXXX. In XX/XX/XXXX, our mortgage company, WELLS FARGO, sent a notice for us to fax our condo insurance ( outside ) and our personal contents inside to their company headquarters which we did. The building our condo is in has 5 units and is insured for {$1.00} XXXX. Our contents are insured for approx $ 80K. In XXXX, we were notified that WELLS FARGO was requiring us to insure with XXXX XXXX XXXX a policy for $ XXXX ( which is exactly what we owe on their note in the last 3yrs of our mortgage ) We phoned Wells Fargo and mentioned that this was NOT FLOOD INSURANCE, but MORTGAGE INSURANCE. They told us that if we paid the $ XXXX.policy in full that our {$1000.00} payment would not change for XX/XX/XXXX, which we DID! After paying in full for the policy for XX/XX/XXXX, our payment increased and and ESCROW was set up for XX/XX/XXXX. We have called and protested their actions at least 12 times, only to have been ignored. Our last 2 payments have not only increased substantially ( which we have paid ), but during our last call to Wells Fargo this month, they indicated that on XX/XX/XXXXour complaint would be reviewed. We are submitting this complaint to have your agency to STOP this situation after 6 months of turmoil!