WillisBack/dataset-financial-user-claim huggingface dataset:
PayPal Credit charged my credit account {$69.00} for a 1 year subscription to XXXX XXXX that I did not approve. 

I did not receive the 1 year subscription. I contacted XXXX to request my paid for subscription or a refund. I did not receive either. 

Several email to PayPal and XXXX resulted in no action from them. They sent a standard email reply that the complaint was resolved. It was not. I then sent, via certified mail, a formal dispute of the charge to PayPal on XX/XX/2018. I have received no resolution to the problem.
On  XXXX   XXXX  around  XXXX  EST, I calle d Sallie Mae  customer support in regards to potentially reducing my monthly student loan payments due to financial difficulty. Initially I was offered to put up t o 3 loans on forbearance for up to 3 months at a time each . As I informed the customer support contact, such a method is temporary, limited, and not substantially helpful.     I asked for a more effective method to lower my monthly payments. After some time on hold, I was informed of a rate reduction plan available only to those who have missed have a payment, known as " delinquent ''. I then asked why I can not enroll/apply for this program now instead of after missing a payment. I was told that only the collection department can do assist with that and they will ONLY contact me 5 days after my first missed payment. They will not help me because my account is " current '' for paying my student loan bills on time.     The burden of student debt has been especially crippling after college graduation and some relief or assistance would be incredibly appreciated.
On XX/XX/2018 I sent an email at the advice of The Money Source 's customer service to request another veteran who was purchasing my home to assume my mortgage. I got no response for over two weeks. I called the company numerous times over the course of the two weeks to no avail. During this time, the buyers conducted an inspection of our home and while waiting to see if the loan can be assumed, we had to make financial decisions based on the unknown. We agreed to fixes being done on the property which we would not have agreed to if the loan was in fact assumed. 
Our closing was scheduled for XX/XX/XXXX. The XXXX XXXX provided documentation that needed to be signed for the assumption. This documentation relieved the us the sellers of any financial responsibility of the loan. The selling transaction took over two days to go on record because The Money Source did not send the proper paperwork to the closing. This forced us ( sellers ) to pay two additional days of expenses. 
Nowhere in the documentation we signed did anything say we forfeited our rights to our money in escrow. After 30 day, a phone call was made to The Money Source requesting the money in escrow. I was told that I relinquished the rights to that money ( over {$1200.00} ). After speaking with my attorney, many hours were spent dealing with the money in escrow. This is time an attorney had to use to rectify an escrow check which is protected by RESPA. Finally 43 days after the closing, the money was received. 
45 days after close I received a call from The Money Source saying my account is behind! I do not own this mortgage, but my information is still associated with the loan. In an email from The Money Source to the buyers of the property, it stated a payment was not due for 30 day, yet this is the second month the mortgage company is requesting payment ( XX/XX/XXXX, XX/XX/XXXX). XX/XX/XXXX payment should not have been due.

This loan was assumed. Time and money has been sacrificed at the hands of The Money Source
This is a follow-up complaint to CFPB complaint  XXXX , which I filed on  XXXX / XXXX /  XXXX  . The reason for this complaint now is that Bank of America failed to address the specific issue and questions I raised regarding its ownership status of my note and mortgage, so I 'll try again.     Has Bank of America, or any of its subsidiary or related companies, ever owned the note and/or mortgage that was used to finance and secure the debt on my residence?     The previous answer, sent in a letter from  XXXX   XXXX  and attached herein, only addressed whether or not BOA serviced the loan.     However, to be clear, I 'm now asking, pursuant to the federal law regarding 'Qualified Written Request ', if BOA ever owned the note and mortgage regarding the subject property.
There are hard inquiries on my credit report. 
I did not consent any of the Hard Inquiries.
CHASE BANK, LIED CONSISTANTLY TO ME. I TRIED AND TRIED AND TRIED TO HAVE THEM ASSIST ME MODIFY MY MORTGAGE, THEY CONTINUILY LOST THE PAPERWORK, AND MADE THE EXCUSE, THAT THE TIME ALOTTED TIME WAS OVER, AND THAT I NEEDED TO APPLY AGAIN. 

NO MATTER WHAT THEY TELL CFPB THEY ARE LYING TO YOU.
I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. ''
Date : XXXX/XXXX/XXXX Transaction : Show additional information for activity type transfer XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX Merchant Info : email : XXXXXXXXXXXX Phone number : XXXX I made a transaction with a XXXX merchant for concert tickets that I never received. The transaction was executed using Bank of America mobile app that uses XXXX. I do not have a XXXX account but the merchant does. After the transaction was made and I did not receive the promised goods, I called Bank of America right away. This was still on XXXX around XXXX EST. 

At this point, the transaction was still in " Processing '' stage. The banker told me that they can not do anything about it because it was in the " Processing '' stage. He/she told me to wait until the transaction was completed and to call XXXX XXXX ) bofa to file a dispute claim. 

After the transaction completed, I called again on XXXX. The new banker on the phone said that they can not do anything because the transaction is no longer " Processing '' and the money has made a final deposit already. The banker suggested to file a police claim for additional legal advice and that they will try to contact the receiving scammer end for a return on the amount. A police report claim number has been made upon my behalf. Please contact me for more information on that. 

Since Bank of America could not help me, I called XXXX. The support representative said that because I do not have an official account with XXXX, they can not help me either since this was done through Bank of America. 

In any case, I believe that Bank of America could have done something while it was still in the " Processing '' stage and stopped the transaction, but misinformed me, their customer, about their procedure.
Hi. I 'm lodging a formal complaint against m & t bank. I made XXXX mobile deposits. XXXX for {$480.00}, and another for {$490.00}. The next day M & t puts a hold on my deposit, no problem. The problem is I had {$120.00} available which they held also. That money was for my son daycare now I 'm losing money at work because I have to stay at home and watch my son. I am requesting m & t close my account immediately and mail me my funds! I do not want to do business with a bank that will jeopardize my family because they XXXX XXXX  put a hold on my entire account instead of just holding the deposited funds.
I really just wanted to say to you guys that you take the time out to sue XXXX over credit cards!!!!!! really!!!!! you also sued ocwen loan co for their fraudulent impropoper practices but just let them keep doing it after they have been sued,,,,, ,they and wells fargo are now taking our home bc you guys do n't do your job!!!! thanks for being there for us homeowners begging you for help ... I think your all crooked!!!!! I honestly believe you are all in on it together!!!!! shame on you all!!!!!!!
I had consolidated my student loans and ACS had my loans reporting in an incorrect status causing loans to be left out of the consolidation. Once resolved I had to re-add loans back into my consolidation. During that time ( due to ACS 's error ) my loans were reported delinquent to my credit report. This was never the case. I disputed the late reporting 's and it was denied to be removed. Again this was an error on ACS 's side. They were holding up the processing during this time and should have to correct the XXXX.
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. It is now XX/XX/XXXX. I sent the XXXX XXXX XXXX and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
I was force to move out my apt early because the neighbor would complain about my visitors so I did and I pay my last month rent but than I check my credit and they charge me {$940.00} never sent me a letter in the mail for what these charges were for so when I called they said I owe this amount and I asked how if I pay my rent for the 30days I was there because they made me moved and I did n't even get evicted
The company that I am disputing is Credit Consulting of XXXX Ca Today XX/XX/XXXX XXXX XXXX I was contacted regarding a debt I have under XXXX the debt was put in collections in XX/XX/XXXX and was contacted by them soon after to collect the debt I set up a payment plan with them and paid all of the payment of the 780 balance except for the last one of 80 they called me today to collect a total balance of XXXX which they said is because I did n't pay the last payment in XX/XX/XXXX they began to charge interest to the balance which I was unaware of and when I asked if that was in a signed contract she said no I do n't see it here I also asked her it 's XX/XX/XXXX why have n't you tried to contact me she said we did once after your missed payment in XX/XX/XXXX and I asked her so no other communication since then and now you are calling to collect a date which has been collecting interest I even offered to pay the initial balance which they declined I was told yeah just call us back when you get a job in a rude tone by the manager
I recently contacted Experian via dispute process if several items incorrectly reporting in my credit file the items and there incorrect information are noted below 1. A bankruptcy filing is listed the item was disputed and removed from the file in XX/XX/XXXX the bureau has added the item back to my file but did Not provide the 5 day notice to me as they are required by law to provide 2. XXXX XXXX account listed in report doesnt have correct term shows 1 month no last date of activity and No historical payment history 3. XXXX XXXX XXXX # XXXX shows no historical payment history no last date of activity 4.XXXX XXXX # XXXX shows no historical payment history, no term last updated XX/XX/XXXX 5. XXXX XXXX # XXXX last updated XX/XX/XXXX no historical payment history and no term All items above were previously deleted and added back to file without the required 5 day notice to me the consumet
This payday company has been calling and sending emails to my sister, XXXX, despite of repeated information that my sister had a XXXX. 

They threatened to : 1. File information relating to your bad debt with a credit reporting agency, which could result in your inability to conduct business with other short-term lenders, write checks to retailers or merchants, or open checking accounts with banks. 

2. Refer or sell your past due account to a third party collection agency. Be advised, the third party who obtains your account, may in turn, undertake further collection efforts against your, including such legal action as may be permitted by law.
a collection account was opened  XXXX   XXXX  amount {$66.00} the  XXXX  amount {$750.00} I did not know this was on my credit report until this year. I paid both of them in   XXXX  . I never got a phone call or anything thing in the mail saying it was an issue with the payments. or that it was not paid.
Unreasonable delays ; long waits on every phone call. Generally, I wait for over XXXX minutes to speak to someone. No one point of contact is assigned and they fail to review the file and update the requests. Repeated ask for things they have and request things that are not relevant to the process.
To whom this may concern, Im writing this complaint about navy federal credit union, I went to navy federal credit union in the month of XX/XX/XXXX to open a checking 'S and saving 's account with the financial institute at my local branch in XXXX sc, I was counseled by one of there customer service rep 's, he took my deposit only to come back to me saying an account was opened in my name in the year of XX/XX/XXXX, I then told the representative that I had no knowledge of an account being opened with them through me, he said that there was an outstanding {$500.00} balance on that account and then told me that he was unable to grant me membership at the time until it was cleared up, we both discussed that it was fraudulenty opened in my name at the time and was never done by me myself, he then stated that it was nothing he could do because of the time frame the account was opened, this is an unverified fraudulent acct and is making it hard for me to enjoy membership benefits with the financial institution, I called ( navy federal ) customer service number to see if anything could be done so I could begin to access my accounts and start utilizing memberships benefits, they also to me that they could n't verify due to time frame, this matter has become a burden for me and is very discouraging for something that I did n't do, I would like this to be deleted/removed from there systems so I can start utilizing memberships benefits with the financial institution, everyone with their company just keeps giving me the running around, Warm regards, XXXX XXXX
I do not owe this debt. I am seeking legal council for this collection attempt.i paid at the time of the service in full. I feel like they are just asking for more money now.
To The CFPB I refinance my care back in XX/XX/XXXX and I made my payements like am suppose to do each month that it is due on the XXXX of each month. In the first year I have sent an extra check in the envelope towards the principal. When I would check on line I would see the bank took out interest out of the check that was suppose to be principal. I called the bank have to them correct this. I would write on the check principal and a note inside the envelope principal payment and they would still take out interest. 

I told them what they did wrong and they corrected and I would have to wait a couple of days and I would check on it. After a couple of time like this then I was told told that I was to send my principal payment to another mailing address. 

Then I started making some extra principal payments I would send them to the other address like I am suppose to and they started to take out interest a few times again until I called them an said this was a principal payment. One man try to tell me I sent it to the wrong place I told him I did n't because I send my car payment to one address and if I send principal payments it goes to another address. I put him in his place and the bank screwed up!!! XXXX i wrote on the check principal only as well, I said your people cant read whats on the check. 

This month of XX/XX/XXXX I sent my car payment in to one address and a good amount of principal to another address. When I went to check on line to see if they received my payment they did, but they stated on my account on the next payment due I would owe less by a certain amount. I called in to find out what was this all about and I was told because I made a payment in XX/XX/XXXX, they took a couple of dollars out. 

I told them that was a principal payment and they had no right to take any interest out of that amount, that check was sent to the place where it was suppose to be processed as principal and I wanted to be corrected, I wanted to know who processed this transaction regardless of any amount, I made it clear on XX/XX/XXXX. I said if you were making car payments and the bank did this to you, you would n't like that being done to you. I demanded that to be corrected but i was told it was over XXXX days. 

I got a call later a few minutes later and I was told I sent the check to the wrong address and it was fed into the computer, I told them I sent it to the correct address and even later this year the bank screwed up on my principal payments at the principal processing bank facility. 

If they are doing this to me, can you imagine how many others are being taking advantage of this situation and making extra money and the people know or do n't know this and do n't know how to correct this. 

I would like this facility to be audited, they need to be exposed and audited.
OCWEN missaplied XXXX mortgage payments to XXXX payment due date, and they are reporting that we are 2 months in arrears. OCWEN purchased our loan 25 months ago, and we have XXXX cleared checks to them and a record of timely payments. They made entry errors on our loan, but are accusing us of being in behind -- and reporting that to the credit agencies.
Vehicle was a volunteered repossession and was declared in a Chapter XXXX Bankruptcy proceedings. This company is FRAUDULENTLY reporting on my credit report as an active account and this account has been closed for at least 5 or more years. Company is trying to FRAUDULENTLY INDUCE myself, a real living man, to make payments on a repossessed vehicle, as if I'm still in possession of the vehicle with a FRAUDULENT CONTRACT in which my name in CAPITAL LETTERS is the debtor. I am not the surety for this name in CAPITAL LETTERS!
I opened the checking account on XX/XX/XXXX/2017 at XXXX XXXX NJ branch presenting the promo printout - Earn up to $ XXXX When you open a new, qualifying PNC checking product! 
Offer amount varies depending on the type of product opened. 
COUPON ID : XXXX Offer ends XX/XX/XXXX, 2017 Terms, in dispute, was - Make 10 purchases with a PNC XXXX Debit Card. 
" A qualifying debit card purchase is defined as any debit card purchase made at point of sale using your signature or PIN, or a purchase made electronically or online .. " I did many transaction inXX/XX/XXXX '17, established Direct Deposit, etc. Terms clearly stated electronic transactions would count towards  Debit Card transactions. Above quote is direct from the promo in my mailbox and the one I presented to branch while opening the account. Now, PNC reps tell me that it needs to be physical Debit Card transaction only. I told them I can forward the promo I received but they say that they ca n't help me. Service request was raised No.  XXXX and was rejected for the same reason. 

I ca n't understand, how can company not honor it 's own promo!!! So, frustrating!!
I have an Chase credit card Visa Signature, Mileage Plus Awards. 

On XX/XX/XXXX I wrote a convenience check ( balance transfer check ) from my Chase Visa card for the amount of {$3400.00} and mailed it to XXXX XXXX. On XX/XX/XXXX Chase posted the payment, and listed that XXXX XXXX had cashed the check. 

XXXX XXXX have refused to credit the amount to my XXXX XXXX credit card. Chase supplied me with a copy of the check, front and back, but there is no endorsement information on it. XXXX XXXX has asked Chase to run a " trace '' on the check, but Chase have said they can't do that. 

Without more information from Chase, XXXX XXXX are not accepting responsibility for the lost amount, even though Chase has told them that XXXX XXXX cashed the check. 

On my last call with XXXX XXXX, they said that without more information from Chase, " We assume that some other party called XXXX XXXX cashed the check, but not us. '' It's absolutely ridiculous. 

Meanwhile I am being I owe both XXXX XXXX and Chase {$3400.00} each! Grand total {$6900.00}. 

I have spent hours making calls and explaining the situation over and over again. I have been on numerous calls with both banks, even conference calls with both banks at the same time. Chase assures me that XXXX XXXX took my money. XXXX XXXX keep asking me to ask Chase for more information. Chase tell me they have given me all the information they have. Meanwhile, I am caught in the middle. 

I don't know how else to resolve this, I need some urgent help.
I wish to file a complaint against Bull City Financial Solutions for listing a zombie debt of {$6800.00} on my credit reports and ruining my credit. I paid an account off with XXXX XXXX XXXX XXXX in XXXX. I pulled my credit reports in XXXX XXXX, I find a collection account on my credit reports from Bull City Financial Solutions opened in XXXX XXXX for the account I paid off at XXXX XXXX XXXX XXXX in XXXX. I am very upset about this! Bull City Financial Solutions needs to remove this account from my credit reports immediately. Bull City Financial Solutions is/has violated the FCRA and my consumer rights. Please make Bull City Financial Solutions remove this fraudulent, inaccurate and erroneous account off my credit reports. Thanks
After a complaint has been investigated with Trans Union, it is impossible to obtain the free updated report they are required to provide. When you go to the website which offers a " Free report '' you can only proceed if you agree to be charged {$11.00}.
I am being contacted by a collection agency that has provided no proof of debt. This has been previously disputed and is not my responsibility.
Good morning, on XXXX XXXX after attempting for countless months to get a loan modification with XXXX XXXX XXXX I receive a foreclosure notice from XXXX XXXX XXXX giving me less than 20 days to appeal. I file for Chapter XXXX and the rear payment was included, since then I was making the regular Mortgage payment to ( XXXX ) and the past due balance was being made by the Trustee. On XXXX of XXXX ( XXXX ) sold my contract to Carrington mortgage. Upon receipt of the notice I contacted Carrington to start making the payment to them, I was told that I would have to continue sending my payment to XXXX since they have not loaded all the accounts yet into their system. My first payment to Carrington Mortgage was XXXX XXXX and the months after up to XXXX XXXX. On XXXX XXXX XXXX I receive a notice address just to me stated my escrow was in the negative due to insurance and taxes increase, I pay the negative balance in full. I have attempted every day after up to the XXXX and was told that I 'm behind by 5 months that the minimum they can accept is 3 months. I ask them where did they applied the previous payment dated from XXXX XXXX and was told that someone would get back with me. I have waited until the next month when I have tried to pay yet again XXXX and XXXX was told the same story. My Bankruptcy lawyer have also contacted them to provide a payment history since XXXX have yet to get a reply to their notice. As of XXXX of XXXX I have all payments dated back from XXXX of this year waiting to be issue to Carrington. Every day I have XXXX my property to look for any foreclosing notice on my house. Recently we had a storm that had damage my roof and now the roof is leaking right in the middle of my bed when I contacted my home owner insurance was told that I could not file a claim due to my delinquency on my account. My home owner, property insurance is pay with my mortgage via escrow. I have made my last payment to the Trustee last month I 'm afraid that now I 'm no longer cover under Chapter XXXX they might take this opportunity to foreclose on me since the housing market is going up and I 'm no longer upside-down. 
Please help me save my house my Husband XXXX Veteran with XXXX his having more XXXX than usual because he 's afraid that we might be homeless any day. We are not qualify to purchase or renting other property since we just recently got out of bankruptcy. 
Thank you