WillisBack/dataset-financial-user-claim huggingface dataset:
I had previously complained about the XXXX XXXX credit card with Complaint Id XXXX. That was resolved by XXXX XXXX. After that resolution I had requested XXXX 's customer department to close my credit card and asked if there was any balance and I was told that there was no balance pending. The customer service rep assured me that my credit card account will be closed and this happened sometime in XXXX. But few weeks after that sometime in XX/XX/2018 I received a statement that some amount was pending with the late charge. I called customer care and explained them about my earlier conversation but they were not willing to understand the situation. I told them I am ready to pay the balance but not the late fees but they refused. With XXXX kids to manage there are so many things to follow-up in life. I have many other credit cards and I have never faced any difficulties with them and my credit rating is very good. I want to close my credit card account with XXXX XXXX and pay the amount I owe. But I don't want to pay the late fees and interest charges. As per the statement from XXXX 's the purchase made was for {$27.00} and the fees and interest is {$240.00}. My account number is XXXX. Also upon payment of {$27.00} I want an email confirmation that my account has been closed. 


Kindly help me.
This starts back about 7 years ago. I had acquired several rental properties at XXXX time. I received XXXX loans from Chase and XXXX from XXXX XXXX. As of today I have XXXX rental and my primary residence because the rentals have either foreclosed or were taken into short sells. I have been asking Chase for the last 6 years to help me. I have sent it modification apps, I 've shown them all the information they want and every year they come back to me with a denial and say the only options I now have are ; deed in lieu, short sale, pay $ XXXX in back money and we can start fresh. If I had all that money I would have sent it in. Since they have never even offered a settlement on the back money it has grown from $ XXXX to $ XXXX over the years. I am again appealing the denial and never, ever does anyone want to help me. I have shown hardship after hardship letter. I can afford the mortgage if the back money was not hanging over my head. Every bank says they want to help you stay in your home but do n't believe them!!!!
This company is reporting to the credit bureaus inaccurately. I was given a deferment in XXXX for the months of XXXX and XXXX. Then they reported to the bureau that I was 60 days past due causing my credit score to go down. I was not 60 days past due once the deferment hit I was told it would correct my account and it did not it only updated to show that I was current. I want the 60 day past due to be removed as I paid my account up in full in XXXX and then again ontime for ongoing payments in XXXX. I have always kept my account in good standing and I want this corrected ASAP this is ruining my credit. 

XXXX XXXX XXXX XXXX, TX XXXX
My husband received a phone call from an " unknown '' number the week of XXXX/XXXX/16. He did not answer and they left a voicemail stating they were looking for myself. They used my maiden name ( I 've been married for 4 years ) and they stated they need to serve me a summons. They stated I need to call them back and ask to speak to the arbitration unit and reference a summons number ( which they provided in the voicemail ). She said if I do not call them back, " I will come to your home and your job to serve an arrest warrant ''. This lady also called my father and my brother, both who live out of state. The following week I received 5 calls, all within a matter of 2 minutes, from the same unknown number with a voicemail saying the same thing as above. I feel very threatened by this. I only have XXXX things on my credit report that need paying on, all of which I am doing so and have been in communication with those companies. I do not know what this is in regards to, and I am not going to call them back. I googled the phone # and there are many complaints from this company from other people. They call you and threaten to have you arrested by coming to your home or place of employment. This is extremely unprofessional and unacceptable.
I have a mortgage loan with Wells Fargo bank and have been struggling to make payments as a result of divorce settlement. I have been in contact with the mortgage lender several times in phone, email and in person. I have been approved for a short sale, but what I need is a forbearance of payments until we can get the house sold. I've been in touch with the bank since early XX/XX/XXXX asking for assistance and submitted all the paperwork they requested, and have not heard back. I'm a XXXX on full XXXX as well as a XXXX XXXX XXXX, and have served my country for many years and am really disappointed that there is no one willing to assist me. I've been upfront and forthright in the struggles I'm having and trying to be proactive, but Wells Fargo is not responding to my requests so at this point, I'm reaching to the Federal government for help. Please help me.
XX/XX/XXXX I was having financial problems. Came across a comercial on t.v regarding a payday loan ( XXXX XXXX XXXX  ) and applied. Didn't realize how much interest they were charging at the time ( 600 % ), even  with paying the minimun payments for months, I was unable to pay off the loan. 

XX/XX/XXXX we got a call from XXXX XXXX who were supposed to be collecting for XXXX XXXX told us that we needed to settle this debt. After one year of collecting and $ 800plus paid, my wife realized that we never got any written notice or any types of agreement about the debt. They had sent 2 e mails, which both amount did not match. 

XX/XX/XXXX, my wifes card which she was using to pay the monthly payments, was used by an unauthorized user outside the state we live in so we cancelled her card. Ms XXXX ( XXXX XXXX ) who is in charge of collecting the debt was notified that my wifes card was compromised. Ms XXXX then told us that we needed to get a prepaid card to pay the installments. 

Now I'm questioning wether this company is real or not since they want us to pay them with a prepaid card. One, they don't have a website, two, the email they sent does not have the business address, and three no paperworks regarding the debt and agreement were sent to us. 

Within the past couple of months we have been getting multiple calls daily in their attempt to collect. They have said that I've been sued but not received a summon and I also have contacted the county courts ( which I have lived in for the past five years ) and none said that they have any open or pending claims against me. Now they are threatening to garnish my wages, yet again no paperworks, no summons, nothing regarding the debt. And also the {$800.00} plus dollars we paid, XXXX XXXX is forfitting that amount and they want us to pay in full. 

I have other debts that I'm currently paying and those companies even after agreeing on the the phone, all have sent documentations for my copies and for me to sign, which I never received from XXXX XXXX or Ms XXXX.
I did not authorize this car dealer to pull my credit for credit purposes. I specifically went in to purchase a vehicle cash basis and salesperson knew this fact. He had no reason or authority to pull my credit report. He advised me he needed my social security number for purposes of  DMV  title and transfers documentation but should have never pulled my credit.      XXXX  OF  XXXX  via  XXXX  OF  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Requested On :  XXXX / XXXX /   2016  Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION
On  XXXX   XXXX   XXXX  I sent a check to my landlord for {$1300.00}  ( #   XXXX   ) and in    XXXX  of  XXXX  the landlord told me they had n't received my  XXXX  rent check. I immediately went to my ba nk (   XXXX   ) to g et a copy of the check and found it had been fraudulently endorsed and cashed on  XXXX   XXXX ,  XXXX  at a Bank of America. I then made out an affidavit to start an investigation. I made many visits to my bank over the next couple months and they informed me they were waiting for Bank of America to respond.
In XX/XX/XXXX I appealed to customer service via fax and email XXXX a copy attached ) within 30 days of the modification Hamp Tier 1 offer that the mortgage company Nationstar mis-calculated the income on my paystubs after I submitted to them reduced income paystubs due to medical reasons and medical documentation substantiating that. They did not respond to the appeal of the Hamp 1 but delayed and lost documents from XX/XX/XXXX until the time they corresponded with me. They then de-railed the loan over to the standard Modification program and did not address or respond to my Hamp XXXX appeal at all from XX/XX/XXXX until present XX/XX/XXXX. In addition, I have a surplus of XXXX in my escrow that customer service can use as a downpayment to assist with my modification but the escrow department will not assist me in returning those funds to me or applying it as a downpayment to any modification.. I am requesting they change my modification offer to a Hamp 1 that I originally appealed and waive thee XXXX, XXXX dollars in interest they have allowed to accrue by mishandling my loan and documents. They are impossible to reach my dedicated loan specialist and every time I call I get a different excuse, answer, or reason why they failed to respond. I do not want to lose my home. The value is XXXX and it is unreasonable to offer me a standard modification at XXXX dollars a month in two years with all the interest they allowed to accrue by negating the response to my Hamp 1 appeal. They have misdated documents, lost my financial information and have acted irresponsibly with this program. My loan number is XXXX and I am requesting that my surplus in escrow be returned to me of XXXX immediately to assist in this process. Nationstar also has a call center in the XXXX or some other country so they can avoid acting responsibly to consumers in the United States. Most of them do not comprehend English or financial terms and they have made it impossible to modify this loan on reasonable terms. I am requesting a Hamp 1 modification on a XXXX yr loan amoratized with the investors based on the income paystubs I provided and hardship. Not a 15 year XXXX yr interest only loan that I was not aware of at 10.5 percent interest. They have failed to act upon this request. Please assist me with getting my Hamp 1 as originallhy requested and it is documented they received that appeal and ignored it.
this companyfiled a jugment against myself and tried to garnishee my wages.When I called them via phone to get more details about the account they told me " This is Regarding a XXXX XXXX XXXX Credit Card Account.no futher I called XXXX XXXX and, They told me " WE DO NOT SELL OUR ACCOUNT TO A THIRD PARTY '' THEY SEARCH MY NAME AND PERSONAL INFORMATION GIVEN BY ME. '' THEY TOLD ME YOU DO NOT OWE ANY MONEY TO US. 
Checked my credit report and Icould not find where this account was originated.At the mean time i have this jugment filed in court. 
PLEASE I need help with this particular account.
I have had my car for over or almost 2 years and the original loan amount was {$19.00},  XXXX  I make monthly payment in the amount of {$480.00}. I just do n't understand how I still have {$16.00},  XXXX  remaining. As a  XXXX   XXXX   XXXX  and worker it is already a struggle to manage my payments in addition to th e 3 la te payments being reported which is also causing an additional hardship to my financial situation.
To whom  it may concern, I have requested a loan modification from Wells Fargo, they are reviewing me for a loan modification. I have provided 6 we eks paystubs, showed proof of occupancy and now they are asking me to provide a last pay check from companies that I had worked in  XXXX   2017 , even though I have a new job that started  XXXX / XXXX /   17  and provided paystubs.   XXXX  I have asked my old company, but have not heard anything yet. I 'm concern, because what I made last year or a few months ago should not be considered in my request for a modification. I believe that they are trying to ask me for something that they have not asked others for.   XXXX  I have spent a lot of money jumping through their hoops and lost plenty of sleep. The only reason they stopped the sale of my home was because I finally spoke to someone in their office that was very helpful. I over knighted a package to their office, but they could not find the documents or the person who signed for them.   XXXX  Thank you
case # XXXX The Huntington National Bank I received a letter from The huntington National bank XXXX XXXX XXXX XXXX XXXX, Ohio XXXX regarding lender paid private Mortgage Insurance I ask the PMI department to drop the ( {$48.00} ) I received a letter informing me that I have reached the 78 % LTOV and 5 years requirement to have PMI drop but the bank will not drop the insurance, I have called, sent in letters also emailed the company.
We am continually receiving calls from XXXX, Total Card, to collect a debt belonging to XXXX XXXX. 

My land line phone number, XXXX, used to be assigned to XXXX XXXX 's father, XXXX XXXX. I was assigned this phone number in XX/XX/2017 by XXXX XXXX. We get a call at least once per month from Total Card requesting to speak with XXXX XXXX. I have told Total Card numerous times that XXXX XXXX is no longer at this number and not to call. 

My XXXX sister resides with my husband and me, and she gets very important calls regarding her medical issues from her medical providers. Having to answer calls from Total Card causes calls from my sister 's medical providers to go unanswered because she or my husband and I answer all calls in the event the call is for my sister from one of her medical providers. 

We would like to have Total Card contacted and have our land line phone number, XXXX, permanently removed from their database as the debt being collected does not belong to anyone in our household and the phone number no longer belongs to XXXX XXXX 's father, XXXX XXXX, as it has been reassigned to XXXX XXXX to me. 

Thank you, XXXX XXXX XXXX XXXX NH
This is regarding my Chase Sapphire Reserve Card that carries a {$520.00} annual fee. 

On XX/XX/XXXX I redeemed XXXX Ultimate Rewards Points for a hotel booking at a XXXX XXXX. I then checked into the hotel on XX/XX/XXXX and was charged the full amount of {$230.00}. 
I called Chase the very next week and they assured me that the credit would be coming to me in a week or so. They said the merchant needs to reverse the charge, which seemed odd to me that they wouldn't give me conditional credit right away after seeing the mistake.

I did not see any credit for another week or two so I called back again and they said " it can take awhile ''. Now I was really concerned because I didn't have much trust in the merchant reversing this charge and I was already at a point where i needed to pay for this as my statement was due -- it was not a charge I was accounting for.

I then called back at least three more times in the following three months and I eventually was transferred to the escalation team. They said they passed it along to the travel team but nothing had been done yet. On the last call, I was put on hold as they tried to contact the travel team but was on hold for about about 10 mins so I just hung up.

Clearly, there was no action taken to address my issue for several months, and I would have thought that they would have procedures in place to give customers conditional credit while they address the credit rewards issue like this.
I refinanced my home XX/XX/2016. Prior to refinance, my routine was submission of payments bimonthly and routinely paid more than monthly payment. After refinance, I maintained my routine. I noticed immediately after refinance that the additional payments sent were being placed in an account labeled unclaimed funds. Immediately when I notice this, I called and demanded why the additional payments were not being applied to principal and was told it would be fixed. It continued. I called again requesting why the additional money being sent was being held and was reassured again it would be fixes. It continued in total for 8 months. I have written multiple times, my emails go answered. I call customer service and I am told different things each time I call. Due to the prolonged time of resolving the issue and the inconsistency of things being told o me by customer service, I contacted XXXX and the federal housing inspector general. I have now had my capability of writing emails on their intranet disabled, I have been told that someone will follow up with me and they have not and now my end of year statement is incorrect
On XXXX XXXX or XXXX, XXXX I received a notification that Chase Bank made an inquiry into my credit files as a result of a credit card application. I immediately called Chase bank to ask about this inquiry into my credit files and I informed them that it was not me. Someone had obtained my personal information and used it to apply for the Chase Bank credit card. I was told that no credit card was issued, the application was marked as fraud and deleted. However, the Chase Bank inquiry is still on my credit report with XXXX. 
On XXXX XXXX, XXXX I sent a letter to Chase Bank requesting them to close any credit card accounts opened and I included a note to delete the inquiry from my credit report with the Credit Bureaus ( XXXX ). Also, the letter requested Chase to respond to my requests. I still have not received any feedback from Chase Bank and the inquiry remains on my credit report with XXXX.
The debt being collected is NOT mine, it belongs to my mother. I don't know how they got my contact information. The company is " Professional Debt Mediation '' ( XXXX XXXX XXXX  ). This is not the first time they've repeatedly called me, last time was about a year ago, but they got aggressive this time. 

I received calls from the following numbers on the following dates and times : ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX
On XX/XX/18 I received a telephone from a woman stating she was with XXXX XXXX XXXX and that she was attempting to collect a debt. I asked the lady to cease and desist in calling me on my job. She became very hostile and noted that she would not and that upon signing a contract that i have not seen or had knowledge of that she had the right to contact me and that she would continue. She told me that she had a court summons and that she was going to serve it on my job. I asked her again and also told her to contact my attorney. I am under Chapter XXXX currently. About 3 minutes later a man called and asked for the Human resources department. He was given the phone number. About 3 minutes later he called and asked to speak to me and noted that the HR Department informed that he could not deliver a summons on their property and insisted in an angry voice that I give him a home address. I inquired as to the address that was listed and he mentioned a PO box I told him to send it that he noted that he would not and that he was going to serve it on my job whether my company liked it or not. He then hung up in my face.
In 2000 I cosigned a loan and the borrower has not paid the latest installment. I wish to pay off this loan but Wells Fargo Education Financial Services is giving me a difficult time about paying off this loan.
I was told if I paid the collection amounts in FULL, that the creditor would remove the collection accounts from my credit report. I paid the total amount in full on XX/XX/18 in the amount of {$630.00}.
Bank of America has manipulated my mortgage and escrow. Secondly, Bank of America hire d a contractor (   XXXX   XXXX   ) to  take pictures of my home.  XXXX   XXXX  employees damaged my home and Bank of America charged for debris removal even though nothing was removed ( see pictu res ). I told Ba nk of America that I want to avoid foreclosure by selling my home or doing a deed in lieu of foreclosure ; Bank of America wo n't return my calls please help.
Transunion, XXXX, XXXX : While I opted into use these services ( by way of signing up for credit lines ), I really had no choice. There has now been a data breach caused by their ineptitude, where my details are now for sale on the XXXX market, and yet I am expected to PAY to freeze my credit and protect myself. 

I could not reasonably avoid sharing my data with these companies, but I 'm expected to pay to protect the data they took from me and lost?
I have a XXXX 's XXXX card with ~8 years of credit history with a limit of {$3000.00}. I also have two other credit cards with a limit of XXXX {$40000.00}. I also carry a mortgage. I made a purchase of {$130.00} on XX/XX/18 at XXXX XXXX in downtown XXXX XXXX  using my XXXX XXXX XXXX card, however apparently using the XXXX XXXX XXXX card IN a XXXX 's store does not utilize any of the XXXX XXXX, but rather utilizes a store credit account ( of which there is no choice to utilize the XXXX only, and not the store account ). 

My limit for this account is apparently {$100.00}. I rarely use the XXXX card due to the terrible customer service and previous problems with delayed autopay from XXXX XXXX, and anticipated my credit limit was {$3000.00} as with the XXXX Of course, with my {$130.00} purchase, I went over my {$100.00} limit. My credit score dropped 30 points overnight as a result. XXXX 's solution is solely to increase my credit limit above {$100.00} for this account, and had no solution for credit issues, or why my limit was {$100.00} when I have well over {$40000.00} in limits elsewhere.
I recently moved from my previous home of 4+ years to another city in Michigan . I acquired a different home area code and phone number. I moved from a home to an apartment in XXXX, 2015. Since acquiring a new phone number, I started receiving voicemail messages from a debt collector called Portfolio Recovery at XXXX. I received the messages daily, until XXXX day I was at home ; I picked up the line. The representative stated that they were a debt collector attempting to collect debt from someone who has my name. Note : I have a common first and last name. The representative asked if the last XXXX of my SSN number was XXXX. I told her no, and did not provide her with the correct last XXXX of my SSN. She apologized and said she must have the wrong person, and stated that they would remove my number from their call list. That was approximately one month ago. I received a call again today from the same company, and I picked up the line. She said and requested the same information as the last rep., but this time she requested that I confirm a completely different last XXXX of my SSN than the other rep. I told her the number she provided was NOT the last XXXX my SSN. She told me her company will stop calling because they obviously had the wrong person. I told her that 's what the last rep. said. I became irritated and felt I was being harassed. I work extremely hard and am a very responsible citizen! I do not need stupid debt collectors calling me with false information! This a company who are clearly phishing needs to be stopped. The last rep. said I was " cutting her off '' and that 's when I got louder and extremely upset. She was yelling and trying to over talk me. I have every right to yell at someone who is accusing me of something that is not mines or did not do. I am disappointed that these people are harassing innocent people. Again, if the information they are requesting were true ; the last XXXX of the SSN should at least match the consumer 's. I feel sorry for people who actually believe viscous companies like Portfolio Recovery when you are aware of all of your finances.