WillisBack/dataset-financial-user-claim huggingface dataset:
I bought furniture at XXXX XXXX. They delivered it with big damaged imperfections. They took it back, and sent me more unacceptable products. The dielivery men gave me a hard time. The customer service people said the second set of imperfections were part of the design, which was preposterous. I decided to return everything. I had paid for everything. I talked to their billing people, who agreed I had paid for everything, and that I had overpaid by {$55.00}. Then XXXX XXXX reversed their position, said I still owed them XXXX. I did not, so I cancelled/reversed the payment through my credit union. XXXX XXXX then illegally billed the XXXX XXXX credit card, which XXXX XXXX requested I open when I was initially going through the confusing procedure of trying to pay them, at the store when I finalized the purchase. I now believe they do this to make sure they have a way to get their money back from people who have disputes and problems. They have now illegally billed me XXXX in late fees on top of a {$55.00} charge that I did not owe them. I have tried negotiating with them, put the bills into dispute three or four times, and they keep coming back with a denied dispute. 
I have provided them with names of people I have talked to, what those people said, yet I continue to be ignored. When I tell them the names of the employees who gave verbal agreement over the phone, by several of their employees that I do not owe them the {$55.00}, this too has been denied. I offered to pay the {$55.00}, they refused. I offered to return the picture that they say I have not paid for. They refused. I asked for copies of all notes and correspondence, they say they do not have access to my records any more. I am not sending copies of all correspondence, as there is too much. No one at their company verifies any thing they told me, and they just keep adding more and more late fees. I do not know if they reported me to the credit bureaus yet, but my score has gone down. I am a senior citizen, and do not appreciate them taking advantage of the fact that they are abusing me via credit card fraud.
I closed my Key Bank account in XXXX. I had a credit card linked with the bank and asked to close that as well which they said they could and did. I told customer service at this time that I have not received a bill for the credit card either by email or by mail and they said it was just being sent out and I would receive it in the next few weeks. I am in the market to buy a house and found out that Key Bank put a nonpayment on my credit report. I called customer service again in XXXX several times, each time being disconnected or being passed around to the wrong department. My initial {$29.00} bill had become {$130.00}. I had still not received a billing statement and did not want to pay all the late fees etc and admit that I was at fault without a bill. After several more calls in XXXX, and being passed around to different bank departments I was still not able to talk with the right people regarding paying my bill and fixing my credit. I contacted the bank in XXXX and was told they would request all the fees dismissed and asked me to call back in a few days. I called back and was told all fees were dropped but they had no authority to fix my credit even though they stated they were at fault. I paid the {$29.00} that I owed and was told that I would have to submit a complaint to the cfpb to have my credit fixed. I am very angry that my credit can be destroyed without my knowledge when I am not at fault. It has cost me much time in phone calls, disconnects etc. I am waiting for it to be fixed so that I can get a mortgage without having to pay a higher interest rate. Key Bank customer service stated that this has been happening to other customers but it seems like they have done nothing to fix the problem of billing and causing hardship to customers.
In my previous correspondence and details of letters sent and no replies given by Wells Fargo Home Mortgage. I again have received another letter from an additional state agency. This letter dated XXXX XXXX, XXXX and received on XXXX XXXX, XXXX to my home since purchase in XXXX. This letter from State Foreclosure Prevention Fund, states. Your mortgage company may have informed you recently that you were late on your mortgage payment. If you miss a payment or payments, you XXXX be facing foreclosure on your home. I want you to encourage you to TAKE ACTION NOW to prevent that from happening. It includes the toll free telephone number/email address ( XXXX ) XXXX /www.ncforeclosureprevention.gov, signed XXXX . XXXX XXXX, Manager, Foreclosure Prevention Program. 
This letter comes on the heels of numerous correspondence sent into CFPB and directly to the XXXX portal and Wells Fargo Home Mortgage Executives and CEO 's. All while receiving robo responses and additionally responses to CFPB, stating they ( Wells Fargo Home Mortgage ) are unable to make contact with me. In all correspondence I include my home address, direct telephone number and email address. So to allege that no contact can not be made is categorically false. The semantics displayed by Wells Fargo Home Mortgage has now risen to a laughable level. All while never requesting the factual receipts and records of deposits by myself. It is my hope with the newly appointed point of contact, that Wells Fargo Home Mortgage could take steps to settle how they applied my payments, rather than send disparaging information to foreclosure prevention bureaus.
see # XXXX, base on our last communication with Nation Star dba/Mr. Cooper we regret to inform all parties involved that a resolution as NOT been reached. We have requested an appeal of the interest rate of 6.875 %. As of XX/XX/2018 this company has failed to do anything to assist us, besides answering the complaints. Regarding modifying our mortgage, the past due payments were placed at the end of the mortgage, increasing our loan balance. I received a call from a XXXX on XX/XX/2018 @ XXXX, responding to the modification returned unsigned. We have requested an appeal. This must be acknowledged. This person I spoke with sounded more like a trained collector. Nation Star or Mr. Cooper employees are not properly trained to address the dynamics of a mortgage, escrow, insurance, interest rates, etc. We were told that our interest rate could not be lowered, no explanation was given as to why. Each time we call, we are getting multiple representatives from various backgrounds and skills levels. Our POC is a person whose first language is apparently not XXXX, which is an insult to us. The person calling today name XXXX, did not share with me his position nor provide a last name. We regret being treated as second-class low-income citizens from a third world country. Modification documents were sent back unsigned, this was not a mistake.
My mortgage was sold by XXXX XXXX XXXX to Carrington Mortgage Services XXXX XXXX XXXX XXXX Ca XXXX this past month. I payed them via their web site for this month. Got a bill today for two payments. My bank shows the payment going through. I have tried to contact these people for the last two weeks but just get put on hold for literally hours, without being able to speak to any one.
I contac ted Navient regardi ng my private loans &amp; requested to see if they can lower my monthly payments. I authorized Navient monthly payments in the amount of {$250.00} to be withdrawn monthly from my bank account. I submitted the documentation that they reque sted ( pay stubs &amp; bank statements ), however th ey advised after a financial review, you appear to have the ability to maintain the contractual terms ( $  XXXX  monthly ) .. Since my BF transferred money from his account to my account, they are now requesting his bank statements as well. My BF does not want to disclose his bank statements since he is in no obligation to pay for my debt. I contact ed Navient to advise  of the situation and they still are unwilling to lower the monthly payments. I spoke with a  CSR (   XXXX   )  on Sat  XXXX / XXXX /  XXXX  . She was extremely unhelpful &amp; advised me to call m y CSR (   XXXX   ) since he is the one wo rking on my account. I reached out to  XXXX  on Wed  X/XX/17    to advise my BF does not feel comfortable releasing his bank account information since this is not his debt and he is not obligated to pay for this debt.  XXXX  advised me without this information he can not further assist me or do anything for me. I advised him I only make {$35000.00} a year &amp; there is no way I can pay {$590.00} a month. He advised me in the last 5 years I have had  XXXX  rate reductions and they are under no obligation to reduce my monthly payments. I advised him because of my financial situation was the reason I had to file for bankruptcy last year. I advised him if I was able to make the monthly payments of {$590.00} I would be more than h appy too &amp; avoid m yself the headache and frustration of having to deal wi th Navient. I a dvised him since they are not willing to accept the monthly payments that I can afford to make, I unauthorized for them to deduct any future payments from my account until this matter was resolved. I advised him I was going to file a complain with the CFPB for their assistance in this matter. I looked over my credit report today &amp; they have reported me to the credit bureau as being 90 days past due, but m y 1st pay ment was not due until  XXXX  so how is it they I am 90 days past due. I am asking the CFPB to please assist me with this matter. Thank you.
Been trying to Transfer information from JPMORGAN CHASE XXXX TO CHASE BANK. BEEN IN CONTACT WITH THE BRANCH. JPMORGAN XXXX XXXX XXXX WITH CODE AND INFORMATION ABOUT THIS SITUATION WITH CHASE XXXX TX. 
. OPEN ED A ACCOUNT WITH MONEY OR DER WITH IT TOO A COUPLE DAYS AGO. CLEARED FOR MY FUNDS, BUT PRIVATE BANK EMPLOYEE DE NED THE RE FUNDS TO PAY FOR THE A ACCOUNT PLUS CANCEL LED MY ACCOUNT WITH OUT AUTHORIZATION FROM ME. I RECIEVEED THE CODE OF CONDUCT WHITE IS NOT HONORED AND I FIL. TODAY I WENT BY TO TALK AND COLLECT MY FUNDS SPOKE WITH FINANCIAL SERVICES -WAS RUDE NO COMMUNCATION OR CUSTOMER SERVICE SPOKE WITH PRIVATE CLIENT EMPLOYEE -RUDE DE NED MY REFUND FROM JPMORGAN CHASE AND CANCEL LED MY ACCOUNT WITH OUT AUTHORIZATION FROM ME SOMETHING NEEDS TO BE DO NE ABOUT THE SITUATION. THE NEED TO IN DER THAT I - WE ARE UNITED STATES CITIZEN. SO I RETURN TO THE BRANCH AND THE WALKED A WAY. CODE OF CONDUCT HAS TO MFAN SOMETHING??
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized accounts to my credit file. 
As a result, I disputed this identity fraud with this company on XXXX.18 by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 
For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 

The following is the fraudulent account with late payments/charge-offs status that I need removed by this company : 1.XXXX XXXX  XXXX , ACC # XXXX, Year XXXX, Make XXXX, Model XXXX XXXX, Serial XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX.18 and my small claims forms, in case they need to reference or review.
I had a car loan with Citizen Bank the issue started when i got behind on my payments from starting a new job. Well they repo it and i was told that i had 21 days to get the vehicle back if i catch up all the payments. Well they gave me the wrong location first where the vehicle were located so i find out by myself that it was located in XXXX. So i waited to receive a letter or call to what i needed to do. So i shows up at the repo place to find out that my vehicle was already moved with some of my stuff left in it. ( which some stuff is still missing ) They informed me not the Bank that the vehicle was already gone. The bank at first did not know the truck was sold until i told them. So then after i call the bank back and they finally told me it was gone. The repo people let me know the name and number to call for the auction. So i called the auction and with in the 21 days the bank said i had to retain the vehicle was not true the vehicle was already sold before the 21 days and my issue was i received no call or letter with no information on how much it was sold or what afterwards that i have to take care of. As my friend told me he said watch when you pay that money they be done sold your truck and you be lost for your money and the truck. And just as he said i were glad i did not pay it because the truck was already sold. I contacted the auction people as i were told by the bank that they would have to give me that information and the lady listen to my story and told me i might need to follow through on this issue with someone professional.
I was charged {$70.00} in fees but my account never showed overdraft. I have a screenshot of the money in the account. They used trickery accounting.
I have been dealing with this collection agency, they have called my house five times a day. They have not properly validated the debt, and have not provided proof of debt.
Did n't know my social security number was used That took place with this loan Definitely need it fixed on my credit
I checked my personal credit report XXXX, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiries had been made.I called Experian to discuss these unauthorized inquiries. The rep told me that I needed to contact the furnishers who put these inquiries on my report. I wasn't pleased with the rep answer because it was Experian that allowed these inquiries to happen without thoroughly checking that these were indeed factual and verifiable information. 

So I contacted these creditors, with a few giving me the runaround who conducted these inquiries and asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right.and some of these inquiries is listed on my credit report several times. 

By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. 

I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report at the address listed above. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX If you find the inquiry referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX
The monthly student loan payment calculation does not take a borrower 's residence ( city/state ) into consideration. A borrower that lives in XXXX New York will have a different cost of living then a borrower living in XXXX, for example. Although salaries may be higher in cities, high costs of living could leave borrowers with less discretionary income. Considering borrower location would make the monthly study loan payment calculation more reasonable and allow the borrower to have an emergency fund, save for retirement, buy a home, etc.
National Enterprise Systems has repeatedly called me from a blocked number. I have answered and informed them they are violating federal law by calling from a blocked number and to call me from an unblocked number if they wish to speak with me. They have continued to call me from a number showing up as XXXX  on my phone. They have also called me repeatedly throughout the day to the point in which some may describe as excessive.
In XX/XX/XXXX, my XXXX XXXX credit card with a XXXX balance ( sold in XXXX ) changed to a charge off with a balance remaining of {$4400.00}. I disputed this item with XXXX XXXX and they verified it as accurate and updated the XXXX XXXX tradeline as dispute resolved with grantee. This tradeline is inaccurate and extremely damaging to my credit reports
I booked a trip through my Amex Platinum card on their website XXXX, beginning on XX/XX/XXXX for 7 days. The trip included a hotel and airfare as a package. The portion of the trip that is affiliated with the complaint is XXXX, the hotel portion of the trip. The hotel is extended stay in XXXX  XXXX. 

Due to circumstances ( father is on lXXXX XXXX, XXXX from XXXX XXXX ), I didn't make to the hotel until the morning of the XX/XX/XXXX. They told me that my stay was cancelled and I can't get a refund. I had to stay so somewhere so I booked another stay at the same location. 

I called AMEX to get a refund, but they said the contract states the hotel can cancel and keep your money if you don't check in by XXXX. They called numerous times to work something out with the hotel, but they eventually stopped answering the phone because they knew Amex was calling on my behalf. 

Now, this policy WAS NOT forwarded to me. The two Amex representatives I spoke with said the reason why I didn't get the cancellation policy in my email was because I BOUGHT IT AS A PACKAGE. And that had I bought it separately, I would have received the information regarding that cancellation. How is this fair? 

Amex and extended stay both aren't doing anything. Can you help?
My wife and I have been trying to get an answer to a simple question for 6 months now : can we get a PACE loan from the county without defaulting our existing loan? 

XXXX different customer service reps have all promised resolutions with a week but none have delivered any results. Requests directly to the loan agent, " special loans '' department, and the loan information mailing address have all been completely ignored. 

This is a simple yes or no question that apparently nobody knows the answer to.
I had a debt that was deleted in XXXX and then sold to a XXXX party collector and put back on my credit reports the debt was not mines and i have sent the company the debt that was deleted. Also the debt was put on my reports without the company letting me know that the debt was due it was deleted and put back on within a couple of weeks and i have proof i have been violated of this practice under the FCRA
there was a bank account open in my name at XXXX XXXX XXXX, that is now close due to fraudulent activity and now i ca n't open any type of bank account because of this. my identity was stolen when i lost my wallet and phone a couple months prior to this. when you call the social sercurity place to report a lost social all they do is give you a replacement but ca n't tell you if things have been open with your information.
In XXXX I joined XXXX XXXX, under ABC Financial. I received 6 weeks free, and cancelled my membership after 2 weeks, leaving me with no charges. The membership was never cancelled, putting my account into collections. XX/XX/XXXX, the new club manager, XXXX XXXX contacted me asking if I 'd like to resolve the issue. We agreed that I could pay {$300.00} and he would take my account out of collections and remove the debt from my credit report as long as I stayed a member of the club while paying the {$300.00} in {$50.00} installments. In XX/XX/XXXX I was charged for {$12.00} more than we had agreed upon. I contacted XXXX XXXX and he put {$50.00} towards my {$300.00}. I cancelled that debit card and only paid by check from then on. I paid the remainder of the {$300.00} XX/XX/XXXX. XX/XX/XXXX, my bank account was charged for over {$1700.00}. This charge was unauthorized, and my bank account information was taken from previous checks.
I checked my TransUnion credit report and noticed a collection being reported that was'nt mine, so I sent a certified letter to the collection agency 's address listed on my credit report for validation. The certified letter came back from the USPS, stating that they were unable to forward the letter. I then sent a copy of the returned envelope to TransUnion, asking them to remove the collection off of my credit report because the collection agency is reporting incorrect information. TransUnion sent me a letter back stating that it was verified ''?????? even after I had sent them solid proof.
I lost my Ace Elite prepaid debit card on XXXX XXXX. On the same day, I contacted customer service at Netspend Corporation, the company that sponsors the card. I requested that the card be cancelled and that I receive a new one. I was told by the customer service representative that a new card was being sent and would arrive in 7-10 business days. When the card did not arrive on the tenth day, I placed another call to Netspend, informed them that my card never arrived. The customer service rep checked the address, and realized that the apartment number had been left off. The rep then promised to send another one in 7-10 days. I informed her that I had just waited ten days, and that I was not willing to wait another 7-10 days to receive my card. I asked if they would be willing to expedite the shipping of a new card. She said that they could do that, but that I would have to pay a fee of {$25.00} for express delivery. When I inquired if Netspend would be willing to cover the {$25.00} fee since I had given my apartment number with my original address, and that they had left it out, she checked with a supervisor and then said, yes, that she could do that, and that my card would arrive within two business days. When my debit card did not arrive within two business days, I called back and was told that it had been sent out on Monday and would arrive the next day. Later, I called back when I realized that it could not have been sent out on Monday, because Monday was XXXX XXXX XXXX XXXX, a national holiday. When I called back, I was told that my card would arrive today ( Thursday, XXXX XXXX ). I asked the rep when the card was sent. He said that he did n't know. I asked how then did he know that it would arrive today. He simply repeated, " It will arrive today, '' and offered to give me a tracking number. At that point, I asked to speak to a supervisor. He put me on hold for 30 minutes, at which point the call was disconnected. When I called back, I spoke to a woman named " XXXX '' ( I assume that this was a fake call center name ). I asked her if she could tell me : 1 ) when the card was sent ; 2 ) when it would arrive ; and 3 ) what is the tracking number number for the delivery. In contradiction to what I had just been told, she said that they do n't have any information about tracking numbers, and that my card would arrive in 7-10 business days. When I pointed out that I had been told that the card was being sent by 2-day XXXX, she simply repeated 7-10 business days. Once again, I asked to speak to a supervisor, she said that no supervisors were available. When I insisted that she get a supervisor, she said that she would look for a supervisor. She then kept me on the phone for 20 minutes, at which point the call was disconnected. My entire paycheck is deposited onto this card through direct deposit. It is now three weeks since I lost my debit card, and Netspend keeps giving me the run-around. I have had to borrow money from friends to cover daily expenses. I simply want a new debit card so that I can make daily purchases and handle my financial responsibilities.