WillisBack/dataset-financial-user-claim huggingface dataset:
The complaint is about a Servicemembers Civil Relief Act ( SCRA ) violation conducted by Cashcall Inc. 
CashCall Inc is refusing to abide by 50 USC Ch. 50 Section 3937 SERVICEMEMBERS CIVIL RELIEF ACT. 
Cashcall Inc has knowingly violated this law with regards to a personal loan, which started in XX/XX/XXXX for {$10000.00} with an interest rate of 39 % for a term of 120 months. I entered XXXX XXXX service with the XXXX XXXX in XX/XX/XXXX. 
I have not left XXXX XXXX service since I joined. I got married and I was able to pay off the loan in XX/XX/XXXX. I have recently ( within the past year ) became aware of the SCRA and its benefits, specifically the limit of 6 percent interest on pre-service debt and I began to notify past creditors and received major reimbursements from the credit card companies. 
But not Cashcall. 
I sent an email with my orders attached to Cashcall to inform them of my service on XX/XX/XXXX. The customer service email address that I sent the SCRA request to responded to me thanking me for my correspondence and that my case was under review. 
I tried to contact them thru XXXX XXXX for updates and was told on XX/XX/XXXX that this was escalated to management and they would send a response to the email address the request came from. I did not get that email response. 
I had to call them the next month and I spoke to a representative that is a manager in  the employee development section that tried to settle the case for only the two years that I was XXXX for in XXXX, ( XXXX ) a sum around {$2000.00}. They claimed that this was fair and that I was lucky to get this much from them. I had to explain to them that the statue of limitations does not apply to this case due to the fact that I am STILL on XXXX XXXX. 
With the interest rate change from 39 percent to 6 percent, times the monthly payment from XX/XX/XXXX to XX/XX/XXXX adds up to {$15000.00}. I declined the settlement. 
I then contacted a XXXX XXXX XXXX and she sent an email to the same customer service email that had replied to my previous request requesting that they follow the law and repay the outstanding funds. It has been ignored. I sent their XXXX XXXX a reminder about that email, once on XX/XX/XXXXand again onXX/XX/XXXXand only in XXXX after I told them I was filing a complaint with the CFPB was sent a letter asking to be given the contact info for my attorney. Info Im sure they had already from the previous emails that were sent to them. In fact, the threat of me contacting this Bureau seemed to be the wake up call they needed. 
Cashcall has been given all the information they need to complete their obligation under the law. I will not settle for any less than was is owed under the law.
I received a coupon in the mail for a {$300.00} bonus upon opening a Chase Checking account. In California, my banker opened an account for me in early XXXX, but since I did not have the coupon on me at the time, he said that he had applied it from his own coupon book. 

A month later, after my direct deposit went through ( one of the requisites for the bonus ) and waiting for number of days that the fine print says for processing, I did not receive the bonus. After multiple trips to the banks and calls, Chase Bank insists that since I past 20 days from the account opening the coupon is unable to be retroactively applied. 

I was advertised a product, promised that the coupon was applied ( which I made clear was the reason I was incentivized to open this account in the first place ), and did not receive this bonus. 

Chase Bank suggests closing my account for 90 days and then reopening it, but this will be a hit on my credit and is unacceptable.
I have been filing multiple reports with these three credit bureaus to no avail. Nothing has gotten done at all. I have an attached police report to this complaint and credit reports. There are so many items that do not belong to me on this credit report. I am tired of complaining and my next step is to file a lawsuit. 

The accounts that do not belong to me are : XXXX XXXX opened in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. Inquiries are : XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. Every single inquiry on the report except for XXXX and XXXX XXXX auto are not his.
equifax did not verify bankruptcy with the court i am demanding they remove the bankruptcy on my report it is not mine
I first received and unsolicited check in the mail from a particular company and it stated the terms if I were to cash it. I cashed the check and made regular payments on that loan until it was paid off. I later went into the office to receive another loan on XX/XX/2018, and was making regular payments on that loan as well.

In XXXX I was experiencing financial difficulties and I sent them a letter detailing my situation as well as when I could start repaying my loan. I have been harassed to no end with phone calls to my job, my personal references, and my cell phone. On yesterday, they went one step further by making an unauthorized hard inquiry on my credit report.
Hello, I have been in dispute with XXXX account on my Equifax report, The accounts are as follows : XXXX XXXX XXXX ref # XXXX, XXXXI have filed a complaint with the CFPB regarding these account with no response from XXXX XXXX XXXX, I have attached the full communication between XXXX XXXX XXXX and myself. No validation has been provided and I want these accounts deleted from my file.
In   XXXX   XXXX   I was initially contacted  by USA Fun  ds and their collection company. I began to be harassed constantly at work, home and was placed on notice from my job because of the constant calls. I informed them that I had just begun the new job and prior to that was homeless and unemployed. They continued to harass me and threatened wage garnishment. I filed a complaint against both companies with CFPB and the Attorney Generals Office. The company responded that I would be given a tempora ry postponement because I had just gained employment. Although this was the response given to the both th e AG 's office a nd CFPB I continued to be harassed by the company and had to submit packets every 4 months showing when I began employment and when I would reach a year.   In   XXXX   XXXX   XXXX   I received notification from both companies again stating that a claim of wage garnishment would be filed with my work. I again continued to be harassed with calls and notifications and I explained that I had no money to pay them. I again filed complaints with the  XXXX  's office and CFPB because they were unwilling to work with me.     On  XX/XX/XXXX  I was notified that I would be allowed to have a wage garnishment hearing and on   XXXX   I received notification that the company could take 0 % in wage withholding because of the hardship it would cause. After the notification was received I began to be harassed again by both companies. They continue to call me on a daily basis and on   XXXX   sent notification that they will be placing a Order for withholdings again!!! It has been less than 3 months since my hearing where it was stated that they could not take wage earnings from me and again they are harassing me and attempting to get an order against me.
Subject : Illegal, fraudulent & deceptive business practices. 
Hello, this is concerning my CareCredit/Synchrony Bank XXXX. XXXX XXXX, XXXX, FL XXXX account # XXXX XXXX XXXX XXXX. 
1st. this Care Credit is unfair advertising at medical establishments to help people that are in need for care without insurance and resulting in nothing but issuing nothing but a high interest credit card ( mine is 26.99 % ). and high fees Usually {$30.00}, which intern doubling the payment. I believe they have no intention to help people and are just using the situation as a right off for the large portion of people will end up in default. 

2nd My Personal situation I was late on a payment I think of {$26.00} and was charged a late fee on top of my amount due for {$30.00}. The total would be {$56.00} payment due. I called and discussed the situation and customer service agreed to reverse the {$30.00} fee. So I thanked them and made my payment of {$26.00}. I thought that was good. It wasn't, my next bill came in and again a {$30.00} late fee for late payment, Again I got on the phone and they said that they will not reverse the fee again. They tried to explain to me that since I received a bill for {$56.00} which included the fee and was reversed I was still was required to pay the {$56.00}. not to mention the added interest rate.

At this point I asked to talk to a manager and without avail was unsuccessful in explaining to them the unfairness/deceptive the situation was. The manger also reminded for to read the service agreement with them ( like 4000 words ).

This is the most disappointing part. I requested to whom I could file a complaint with than the response I got was I was doing now with a manager. I said no you are a bank and i want to file a complaint with the government agency you report to. His response was that they fill all their appropriate paperwork with the government. I said I don't care what you submit, I want to submit a complaint to them, what's there address? And he didn't give it to me or help me in any way. no responsibility. So i said to him so you refuse to give me any info to file a complaint and I will have to find it myself. Very dishonest and deceptive. they should be held accountable for their actions and now have to deal with them calling 20 times a day. Feel free to contact me any time. XXXX. thanks
My husband and I purchased a XXXX XXXX XXXX on XXXX XXXX,2015. After a closer review of our documents we have determined that we was charged for Vehicle Service Contract. We have a copy of the contract with our loan documents but we did not sign this contract and it was added in with our loan with Well Fargo Dealer Services. The total amount added to our contract was {$3300.00}. We never agreed to this service, and feel like the loan company was deceitful in adding it to our loan.
My dispute is with XXXX XXXX over their claim that ignored bills that were set to me.On XXXX XXXX I opened an account with XXXX XXXX, a woman 's clothing store. Beginning in XXXX. I began receiving numerous phone calls from XXXX XXXX which I ignored, not knowing who they were. No messages were ever left by them explaining the purpose of the calls. I then received an e-mail from XXXX asking me to call them concerning my XXXX XXXX account. Since I have no XXXX XXXX account and don't shop there I called them to let them know of their mistake. Before any conversation they demanded that I give them all my personal information including my dob, social security number, etc. When asked what the phone call was about they refused to answer until I first gave them all my personal information. With such an unprofessional approach I assumed they were identity thieves and that this was a phishing phone call. I attempted to call again with the same results. I received my first bill from the XXXX in XXXX for {$190.00}. The amount of purchase was {$53.00}. To this amount they had added numerous late fees. The disputed issue is the fact that I did not receive a bill from XXXX XXXX   until XXXX and they are claiming I was sent bills from XXXX Their communications with me all had XXXX XXXX return addresses as well as XXXX XXXX letterhead stationary. Since I have no account with them they were ignored. In XXXX an agreement was reached where I would pay half of the {$190.00}. XXXX XXXX notified all the credit companies of my delinquent payment and my credit score fell from the 800 's to the 600 's.
I paid my balance in full on my Chase Freedom credit card on XXXX XXXX. On XXXX XXXX, my account was charged an interest. When selecting to pay my current balance, no where is it stated that further interest charges will apply. I called the credit card company and they would not waive the fee. As a customer with Chase for over XXXX years, this is ludicrous behavior. I feel as if I am being punished for paying my balance before the due date. How many more customers does chase victimize?
I had a series of student loans originally obtained from XXXX but which were consolidated and then serviced by XXXX XXXX. The interest rate was locked in for the life of the loan ( only XXXX loan since the consolidation took place ) and have thereafter been paying the loan off monthly and have never missed a payment. Some time last year ( I believe ) the loan was transferred to NAVIENT and I continued paying off the loan. Again, never missing or late with a payment. Since I have the loan paid to NAVIENT via my online bank XXXX I noticed that my last months payment had gone up {$30.00} per month. I contacted NAVIENT by email and informed them that since my loan consolidation was at a fixed rate of interest for a fixed time period, unless they could provide me with a logical and SPECIFIC reason for the increase, I had no intention of paying the increased charges. I received an email from NAVIENT stating " after a review of your loan, we noticed that the minimum monthly payment amount needed to be modified to allow the loan to be paid off in the agreed upon timeframe. As a result, we adjusted your monthly payment amount so that your loan will be paid off as scheduled. The interest rate on your loan has not changed. '' I so not find this to be a satisfactory response in that when the loans were consolidated the lender and I both agreed to a specific interest rate and number of payments to satisfy my obligation. 
I further understand that there has been an extremely large number of complaints filed against NAVIENT since they took over collecting student loan payments and I can now understand why this is happening. I also understand that the Government is considering, suing NAVIENT for their methods and operations if they have not already initiated such an action. My attempts to deal with NAVIENT representatives has proven fruitless. Their telephone reps are ill informed to say the least. Additionally, they call me daily regarding this matter but when I call them back, the reps are not qualified to discuss the issue. It seems that this whole effort on their part is a ruse to increase their income or profits. It seems I have no other option to file a complaint with your agency with the hope of ultimately getting these people out of the student loan collection business.
On  XXXX   XXXX  ,2016 I did  a ACH Debit from m y Chase acco unt to a money transfer service call  XXXX  in the amount of {$590.00} the money was sent to a  XXXX   XXXX  in  XXXX ,  XXXX  well the money was never received by  XXXX . Now my wife also sent  XXXX   XXXX  money using  XXXX  on  XXXX   XXXX  ,2016 in th e amount of {$1400.00} which she never received. My wife and I found out about this issue around the end of  XXXX  that  XXXX  never received the total of {$2000.00}. We contacted Chase as soon as we found out which was at the end of  XXXX  and also in the first week of  XXXX  we told them about this claim. Chase advised us to go put a claim with  XXXX  go through the process with them if they do n't help you call us back and Chase will honor the claim.  A Chase Claims Manager e ven advised me to take  XXXX   XXXX  to court because that 's the bank that  XXXX  used for the transaction so I did. I paid court fees pulled my daughter out of school and my daughter had to sit in court all day till evening with me because I had no one to take care of her my wife had to work she could n't take off. So when my  case came up the Judge told me that I am going after the wrong bank he said Chase should be here. So it was a total waste of time I followed the advice of Chase Claims and the Manager that   advised me to take  XXXX   XXXX  to court. After all of this running around which took a few months I calle d Chase Claims back and they still  refused to refund our money back and the excuse they used is that we are calling for the first time in  XXXX  which is a total lie. So this is where my wife and I are with Chase I called Executive offices as well and they give me the same excuse about not calling sooner when I and my wife did. They are playing a game of it 's my word against theirs and it 's not right and not fair. I followed every bit of information and advice they gave me from  Claims Customer Service to upper Management and they refuse to help us. We called and follo wed their advice and now when we call back they will not honor it should you need any proof of the transaction in I can fax them over if you contact me thank you for your time.
I'm a victim of identity theft and I do not have any signed contracts with any collection agencies regarding this account from PayPal Credit.  I've contacted ALL 3 credit bureaus, XXXX has completely removed this from my credit report. However, XXXX and XXXX has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.
Went to lenders website and filed in base information. I.E. type of loan, reason for loan amount requested and my contact information. Got automatic reply stating that the loan was pre-approved! Went through the steps required, sending more information and answering replies to their emails regarding back up documentation. 

Sent email to CEO as requested on their website and was contacted by their consumer relations department. 

Received email two days later that loan was not approved for reasons they would not explain over the phone and the other reason because I had high revolving credit which is what I stated the purpose of the loan was to correct! 

Sent second email to CEO stating I thought their site advertising saying the loan was preapproved was misleading and false advertising and stating the obvious about the reason given for the decline response was the exact same reason I had applied for the loan. Again, no response from him but a contact from his consumer relations department saying they could not give me the real reason the loan was turned down over the phone but she could send me the credit report that violated their terms and conditions. These terms and conditions were never explained to me or listed anywhere on their website or advertising. 

This has caused me to again search for a personal loan from other companies and put another inquiry on my credit report for pursuing a loan so the next company can say to many credit inquiries as a reason for turning down a possible loan. Plus has set back the timing of consolidating my resolving credit situation costing me $ $ 's in interest at the higher rates. 

I believe their methods are very deceiving to the consumer and practices of asking for communication with the CEO are also a deceptive practice when he never really sees the complaint or addresses the issue even though it is promoted that you will communicate directly with him and they use his personal email as the communication point. 

I would classify this lender as a buyer beware company because they are not upfront with their practices and lending criteria. Just looking to take people off the market in the hopes of securing the business from other lenders. 

Lender SoFi Financial
Around XX/XX/XXXX, I received a call American Credit Acceptance at my work station. I could not talk at the time so I returned the call. They were calling me stating I was past due on my account. My due date is on the XXXX of every month. When talking with the representative, I told her that I received a bill for over 1,100 and at the end of the bill, it said ... your regular payment is due XX/XX/XXXX. Well, I was at the end of my loan and did n't realize it. The representative argued with me stating they did not send me this bill but was stating that I still owed XXXX. I said well why would I owe XXXX. I then said its because you sent that bill and I paid my regular monthly payment. The representative was not helpful so I requested a supervisor. the supervisor was alright. I believe her name was XXXX. I explained the situation to her and she suggested a loan modification which would break down the remaining balance over three payments. She emailed me the paperwork. I filled it out the same day and faxed it back. They received the paperwork onXX/XX/XXXX. To date, they have not processed the paperwork and I was still receiving calls in referencing to account being past due : XX/XX/XXXX, XXXX, XXXX,XX/XX/XXXX, XXXX and the XXXX. I called back several times and was told an exclusion would be placed on my account while they reviewed the request. Again, I received more calls and again told they have not processed the paperwork. They told me it takes 24 to 48 hours. I have spoke with at least three supervisors and this matter still is not handled. How does someone go from paying XXXX a month to paying over 1,100 because it is the end of the loan. I knew the last payment would be a little more but not three times the amount. Everytime I call they tell me how late I am on the account. I do not understand. I have kept my loan in good standing for five years now and at the end they want to report it badly. whenever I had an issue I communicated and made arrangements so as not to be in poor standing with the loan. No one is trying to help me and I do n't understand. Is this some sick game where they default the loan at the end. For what reason, they are being unreasonable and will not give me an explanation. Please help. I need to know what I should be doing. I am sorry, I do not have this kind of money laying around.