WillisBack/dataset-financial-user-claim huggingface dataset:
About XXXX years ago I attended a trade school which was called XXXX at the time ( very loosely affiliated with XXXX University, a very reputable university located in XXXX, MA ). This XXXX changed names until it closed permanently and suddenly under the name XXXX XXXX XXXX in XXXX 2013. The amount of the total fees were not disclosed to me but the only way I was told I could pay for it was a private loan from XXXX XXXX. I had to drop out of the program near the completion date due to the fact that XXXX XXXX refused to loan me any more money ( which was {$45000.00} when the loans were first taken out ) but later obtained the XXXX due to transferring in a university class. Unfortunately, the XXXX was useless in obtaining work so I had to attend XXXX classes through a XXXX university and put the private loan in deferment for a period of several years because I could not afford the roughly {$500.00} payments when the loan became due, I was only able to start making regular ( but reduced payments due to my income ) payments once I received my XXXX, which was financed by SEPARATE federal loans. The loan has been consolidated and changed servicers twice in the last 8 years, and now it is nearly {$80000.00} and I am paying a for a useless education from a school that no longer exists. Please explain how a loan can nearly double in less than 10 years? Help!
Non-Compliance with borrower 's notices. Wells Fargo and it 's Legal counsel has opted not to respond with an " acknowledgement '' of HAMP request made on XX/XX/2016. As per the HAMP Rules 3.4.2- Servicer 's must develop and implement written polices and procedures to provide notification to their foreclosure attorney/Trustee regarding a borrower HAMP status, including whether the borrower is potentially eligible for HAMP. 
HAMP Rules 4.5- Within 5 business days following receipt of any component of Loss Mitigation Application, the servicer must " acknowledged '' in writing the borrower 's request for HAMP participation by sending the borrower conformation that the Loss Mitigation Application has been received and inform the borrower whether their application is complete or incomplete ( acknowledgement ). 

As of XX/XX/2016, Wells Fargo or their Legal team XXXX, XXXX XXXX XXXX, have failed to provide me with any notices regarding our HAMP request. Be advise that their legal team have engage in other criminal matters pertaining to the XXXX Judicial Circuit in connection with the foreclosure action that will only be shared with the Office Of The Internal General. We ask that you sanction Wells Fargo for failure to provide me with notices regarding the HAMP request.
As of XXXX, I and 143 million other Americans have had our most sensitive identifying information, such as SSNs, birth dates, addresses, etc., exposed by a breach of which Equifax knew of and did not notify the public about until several months later. 

To add insult to injury, not only are they refusing to provide customer support services on their website, but the phone number and website I have been attempting to freeze my credit report with can not complete the process. I have attempted to reach the other support numbers they offer to no avail. They are providing zero customer service and have been completely non-responsive.
I never received notification from the company prior to them reporting to the credit reporting agencies. I just received notifications that a new collections account was added. My address has not changed so there was no reason why I was not given proper notice and given a chance to proper dispute the debt. I have sent letters to the company twice with no response. The last letter sent on XX/XX/XXXX was for a cease and desist because I would prefer to deal with the original creditor. No response. They company has 2 different address and I sent the same letter to both addresses so that I can make sure they received them.
I was promised a {$300.00} reward for opening a new checking account. I met all the terms of the offer on the account sign up page. I was charged fees of {$25.00} per month for this account and told that I had to wait several months to collect this bonus. Finally, after many notes back and forth with TD bank through online secure messaging, someone finally told me that I could not qualify for the bonus based on previous account history. These terms were not disclosed during signup.
I have received several Hard inquiries last year. I am very upset. I was VERY clear with them. they can feel free to pre-qualify me for the loan, give me their rate, and do a soft inquiry. for some reason they felt the needed to hard inquire me. Pre-qualifications for mortgages shouldn't be hard inquiries. I haven't even signed a loan agreement with them. 


Cbcinnovis XXXX XXXX/XXXX  XXXX/XXXX The only banks authorized them to do what they needed were XXXX XXXX XXXX and XXXX XXXX.
I have a credit card with American Express # XXXX XXXX XXXX. Due to loss of income I missed about 3 payments in 2015. I have made monthly payments every month since XX/XX/2015. I received a 2nd call from their collection dept today from XXXX from someone very obviously in XXXX. Amex evidently has not updated their records with these foreigners. My account is not in collections - it is current. I am being harassed to pay a settlement or they ( from XXXX ) threaten legal action. I want this stopped.
When I first got my credit card I was told that if I spent a certain amount of money that I would receive air miles, but I never received them. I called the credit card company 7 months after opening the account and spending the certain amount of money ( within 90 days ) so that I could ask how much it would be every month to pay off my balance within the next 9-12 months. The credit card company referred me to their approved credit counseling services, which I still have to call but I am not wanting to after this experience. As soon as I asked the representative about my miles she looked into my account and told me that I had to contact XXXX. She kept me on hold and then transferred me where I waited on hold yet again for probably 15-20 minutes. Upon reaching XXXX I was told by the representative at XXXX that Barclay had to upload the miles in order for me to use them? It did not make sense because the Barclay representative told me that XXXX had to load them. I again waited on hold for 20-25 minutes and talking to the XXXX robot entering my sensitive information while the XXXX rep was on three way with me. Upon reaching Barclay I was informed by the second representative that a case had been filed. The frontier rep asked Barclay how long it would take to upload the miles and the Barclay rep said it would be uploaded after two billing cycles? Funny how they do n't tell you to call to get your miles uploaded and yet they also play this transfer of calls with their customers. The Barclay rep could have told me the info on the first call. I 'm paying this card off, using my miles and not using this card again.
I have many loans from my time at XXXX XXXX XXXX. I was enrolled for four years ending in 2004. Navient called and recommended I use a graduated repayment, so I switched to that. I have only worked in XXXX XXXX  or XXXX since graduating. Had I known I could've had my loans forgiven by using income-driven repayment, I would've stayed on that and my loans would be forgiven by now. Instead I'm starting over at the beginning. My loans have the same balance as they did fifteen years ago because of all the interest. If I stay in XXXX XXXX I'll be eligible for forgiveness when I'm XXXX, otherwise at 20 years I'll be XXXX.
after i was trying to figure out why i got a second notice from a city slicking debt collecting. when i called i got some foreign guy answer the phone EASILY PULLED UP MY FILE ON HIS COMP and i asked him why did i already paid this company ( he said there was XXXX companies XXXX and XXXX XXXX i asked him how is XXXX charging me if i already wennt to jail thats extortion to the max. regardless of what paper i signed. then he said i owed a total of XXXX and that XXXX was charging me 300 and some dollars even thoe i already paid them and took care of them. also XXXX said they would give me a call to come in and talk after i already paid and figure out what we were going to do. that was XXXX 2014 and its now almost XXXX. I also had both the XXXX of my stores pat me on the back and say they are going to call me and we are going to get past this and get me back on the schedule. i told XXXX of those dms today and he acted like this was the XXXX time he heard of it. but back to the debt collector. he started raising his voice at me not letting me get a word in and wouldnt listen to the question i was asking. i asked him several times and he would dodge it. i asked why does it say walmart and he starts talking about XXXX. i asked about gamestop he avoided the question and talked about XXXX qibberish that had nothing to do with case. then when i keep asking questions he started getting loud and yelling at the top of his lungs to call tomorrow then hung up on me. i called again and i got this lovely women on the phone. she said her computers where down even thoe XXXX mins ago he has all my info and the account info pulled up and the all of a sudden their computers dont work? weird. then she randomly hung up on me. then i call back get a supervisor and he answered again, i asked for XXXX and he was like " IS THIS XXXX? STOP CALLING! '' Yelling at me. i said nope this isnt then he started listing off other people asking if i was them and then he just told me to leave him alone and that to call tomorrow to talk to his boss. if his boss hired him in not going to get much accomplished with a loser lawyer. the companies name is PALMER, REIFLER XXXX ASSOCIATES, P.A. By the way i hardly pay debt because most or scams and im not the idiot to buy debt. you have extra money so you just go give it away hoping people will pay you back hahahahahahahahahahahah what a joke
I was extended an offer to upgrade my XXXX card, and was told I would receive XXXX bonus points and a waived annual fee. The annual fee was not waived, I paid for it XX/XX/XXXX and have been dealing with Chase via SM for almost three months now to get it refunded. I paid an {$85.00} annual fee that should have been waived.
My XX/XX/XXXX statement showed a number of charges that I immediately recognized as fraudulent, in the amount of approximately {$23000.00}. I called the company to report these. The first person I spoke to acknowledged that the charges were likely fraudulent, however, subsequent conversations ( particularly on XX/XX/XXXX and XX/XX/XXXX ) made it clear that the company had decided to hold me accountable for the charges even though I was disputing them, denying that any of the out-of-state purchases had been made by me or anyone I had authorized. My XX/XX/XXXX statement still shows these fraudulent charges, as well as a late fee for non-payment.
There 's a  XXXX  name showing up on my credit report  XXXX   XXXX   XXXX  that is not my name, I have never used an alias name I always use my name which is  XXXX   XXXX   XXXX  I have no other name.
I have auto loan with XXXX XXXX. When opened I set auto payment, and in XXXX of XXXX I called inquiring what is needed to change my bank account for future withdrawals. They emailed me form, I filled in and faxed. Next month payment was not withdrawn, I called end of XXXX, and they claimed never received fax. I made payment over phone and set up net payment for XXXX same way in case auto payment would n't work ( was told at that time I can not set up auto payment for next 6 months because XXXX payment was missed which came to be incorrect ). Went on their web site and set it, and they withdraw twice on XXXX XXXX. Called on XXXX at XXXX XXXX, spoke with XXXX who told me they need me to fax my bank statement showing withdrawals. I faxed it on XXXX, than called on XXXX at XXXX XXXX and spoke with XXXX who confirmed they received it and that refund will be done by XXXX. Nothing happened so I called on XXXX at XXXX ( putting all times and dates so they can verify on tapes is this true statements ) and spoke with XXXX whose response was that they never received fax!!! When I confronted him with conversation with XXXX on XXXX he put me on XXXX minute hold and then they miraculously found my fax! At that time they said they need to put another request into system and it will take up to a week to receive. Since this was XXXX day since my money is sitting with them I asked to speak with someone higher, and at XXXX I was talking with XXXX XXXX who was " understanding '' but could not commit to expediting anything and passed me on to XXXX at XXXX. After me repeating all incompetence on their side, she became defensive and now claimed that my faxed bank statement is invalid, because I have XXXX all other charges on my account ( do not feel it is any of their business knowing what I am paying besides their loan ). They claim they have no way of finding proof on their end of charging me twice, which I find unbelievable. 
All of this is putting additional burden on my finances, and I will probably not have enough money to cover all my bills next month, due to Chrysler financial holding my {$530.00} for close to a month now. 
Asking for help
This complaint is about 1 ) undisclosed fees and 2 ) unfair charges/unfair business procedures that result in a negative cost to the payee to return the money order amount to Western Union for resolution. The payee ( XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ) would be out a negative - {$2.00} for a 13 month old {$50.00} check, if Western Union policies were followed in order to collect on this {$50.00} check. 
Facts ; Western Union money order purchased XX/XX/XXXX in the amount of {$50.00} at a XXXX Grocery Store Agent # XXXX dated again XX/XX/XXXX Transaction XXXX by purchaser XXXX XXXX, ( a retired XXXX Veteran ) XXXX XXXX XXXX XXXX, GA XXXX. 
Check was sent to Payee to repay a debt/personal loan of {$50.00}. 
Check was misplaced for one year. Check was discovered & deposited on XX/XX/XXXX to Payee 's checking account at XXXX XXXX XXXX. Check bounced & payee was charged {$5.00} Returned Unpaid Check by Payee 's XXXX XXXX XXXX. 
Reverse side of check says checks over 1 year old will be charged $ XXXX/mon over 12 mos. Western Union many calls to Customer Service resulted in numerous tasks and online submission of claim affadavit that must be completed by Payee, Printed, Notarized, then Submitted to Western Union office. Payee would be returned {$32.00}, minus a new {$30.00} Administrative Service fee, resulting in a check for {$2.00}.

After a completion of all this, Payee would still be out - {$2.00}, since Payee 's bank charged {$5.00} when Western Union check was deposited on XX/XX/XXXX. 

During the many calls & conversations with Western Union Customer Service today, phone XXXX, we were 1 ) put on indefinite hold 2 ) transferred to ESOL Customer Service Agents 3 ) Instructed that they were unable to hear us our our complaint. 2 times, we were instructed physically dreive to XXXX, GA ( we live in XXXX, GA ~130 miles away ) to try and resolve this issue.4 ) We were instructed to go online to westernunion.com, click on HELP, Write in " How do I request money order refund '', click on Payee, Complete & Print all forms, have all these forms  notarized, make photo copies & keep for our records, Send originals to Western Union as per instructions on website. 
After doing all the above, we were told that Western Union would send a check to Payee XXXX XXXX for {$2.00} ( the amount Western Union felt that were due since their new checks Service Charges are now {$1.00} per month for any checks over 30 days old. ) If you check the back of the enlarged Western Union Money Order sent to Payee, It says that the amount of $ XXXXmonth for any Money Order over 1 year old ( not 30 days old ). 
These type of unfair practices prey on the most needy of our society who can not manage their funds or a checking account. 
Please note, The Payee is not a Veteran -- The Purchaser of the Western Union check is a retired XXXX Veteran who has difficulty managing his money. The Payee is his older  brother who helps him out from time to time.
I made several attempts to contact AFNI Collections through correspondence of mail asking to validate the debt. No response was ever received from AFNI. On XXXX XXXX I sent an email asking for it to be deleted. Two days later I received an email from AFNI saying they were no longer handling the account and will submit a request to the credit bureaus to have item deleted. Here it is no deletion has taken place on my credit files. I called the credit bureaus on XXXX XXXX and were told nothing had been submitted electronically asking them to delete the item.
On XX/XX/XXXX, I filed a dispute with XXXX regarding a trade line reported by Specialized Loan Servicing, due to inaccurate balance and payment history data reported. On XX/XX/XXXX,  the balance of the trade line was updated to the correct amount ( {$0.00} ), yet the paid history continues to show a charge off date of XX/XX/XXXX when the date of first delinquency was XX/XX/XXXX ( in  violation of the FDIC 's Uniform Retail Credit Classification and Account Management Policy ).
the credit bureaus are reporting a collection account on my credit file from XXXX XXXX. I have no knowledge of this account and it should not be reporting on my credit file. 

I was never sent a DV and when i tried disputing directing with the collection agency in XX/XX/2017 they were unable to provide me with an proof that this account belongs to me this account is not mine and should not be reporting on my credit report
TransUnion Failed to Respond to my dispute after 2 requests have been made. 

On XX/XX/XXXX- I made an online dispute of 2 items on my credit report -which are really hindering my credit hence my future. I received no response. 

Secondly on XX/XX/XXXX - I wrote transUnion via certified mail return receipt- regarding their failure to respond within the required 37 days as stipulated under section 15 U.S.C.

1681i ( a ) ( 1 ) ( A ) & ( 3 ) ( B ) of the FCRA. Yet again I received no response. 

TransUnion-has been unresponsive to both attempts, it has now been over 3 months from the original dispute. 
Attached please find copies of the corresponding documentation.
While checking my most recent credit report I noticed a credit inquiry that I did not authorize made by  Chase  on   XXXX    . I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act  Section 1681b  ( c ) and a serous breach of my privacy rights.
I attempted to access a credit report from Experian. They notified me they were unable to provide me with a report due to lack of information XXXX. I received a debit in my checking account for $XXXX, I was told my report was FREE. I spent 20 minutes attempting to contact Experian with no avail. I am XXXX and $XXXX is a lot of money to my family.
My mother and I are co-trustees on a Bank of the West personal trust checking and savings account. My mother is in-home care under XXXX, and she requires 24/7 care. I have been handling her personal finances for years using Bank of the West on-line banking. The on-line account with all of her important payees was XXXX XXXX/XXXX/15 by the bank due to retaliation for my requesting a written explanation why a payment scheduled for XXXX payment was late. The payee was furious after receiving yet another delayed payment. I used the on-line system to register the complaint XXXX/XXXX/15 in order to have an official record. Late payments have been going on for months, and I have been reporting into Executive Office, which has not offered any remedy. The bank is not taking responsibility or even acknowledging late payments, and XXXX the on-line account I 've always used, which cut me off from accessing all the records I 've established to appropriate handle my mom 's money management to timely pay all debtors. This is elder abuse because it has created a situation impacting payments necessary to ensure my mom 's needed care and well being. Their late-payment processing and lack of taking responsibility for it are unethical. HELP PLEASE!
My husband and I applied for a loan while we were in a very though spot -- ha had been laid off and we needed to pay our car while he was between jobs Green Trust Cash XXXX XXXX XXXX, MT XXXX Customer Service at Green Trust Cash Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX E mail : XXXXXXXXXXXX Approved us for a loan. the interest rate was at about 150 % which we were not aware of at the time. We thought we would be able to pay it back quickly. We have been paying faithfully since XXXX/XXXX/2015 and still have almost the same mount due ( we have paid a total of XXXX for a loan of XXXX and still have a payoff amount of {$400.00} as of today )
Nationstar Mortgage is currently servicing the note for my Pay Option ARM loan. It was originated by XXXX in XXXX, sold to XXXX XXXX XXXX, then sold to Nationstar. My complaint is this company is knowlegable that they are sending inaccurate loan statements for this loan and is doing nothing to resolve the problem. 
Last year I began receiving inaccurate loan statements beginning with the XXXX XXXX, XXXX statement which coincides with an annual loan interest rate review and loan amount recalculation. Specifically, the printed loan payment amounts of Options XXXX,XXXX,XXXX were the same amount with different consequences. I initiated a payment amount correction inquiry with the Research Reference number XXXX which resolved the XXXX loan statement error within 30 days. 
A few weeks ago I received an inaccurate loan statement for the XXXX XXXX, XXXX statement with the same issue. After spending several hours on the phone with customer service reps who were not able to provide accurate information or were unknowledgeable about the existence of a special loan services department within Nationstar mortgage, and asking them to correct the loan statement problem in their computer system and not having a remedy, I feel the need to file a complaint to the federal government regarding this company 's unwillingness to correct the problem of sending out inaccurate loan statements for this pay option ARM loan. 
After several hours of inquiry, I was informed that XXXX in Special Loans, extension XXXX was the key person that handles these loans.
For several years now, I have been working to pay off an American Express card, which I only got because it was the only card to use at XXXX. When I tried to make arrangements, AMEX called in a collection agency, XXXX and XXXX, which took it to court. Eventually we worked out things and the bill was paid, however, I had to agree not to apply for an AMEX card again, which was OK with me. Now for the second time in just a few months, American Express has specifically targeted me to apply for an AMEX card, which would violate my agreement through XXXX. I find this harassment.