WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX I purchased a XXXX vacuum cleaner from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX. They got it financed through Monterey Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX at 22 % interest, 36 months paying XXXX a month. I have made XXXX payments so far. In XXXX I went on line to make a payment using my credit card because I had n't worked all summer and I knew my bank account would be short. I did n't want a late fee so I payed it on the due date XXXX/XXXX/XXXX, but the payment on line was XXXX. I submitted the pay then called to let them know I had paid it. I was told by XXXX that I would still have to pay a return check fee of {$25.00} because they had processed for the check to come out of my account and it would be returned as insufficient funds. She told me the XXXX was to cover the online fee of XXXX and the payment of XXXX ( my payment ). I said why the extra XXXX. XXXX. She said she could take that as part of the XXXX rcf, and she would attach the balance of XXXX to my next auto draft. I said fine. My XXXX Payment was XXXX. The XXXX was satisfied. Today I got a call saying I still owed {$8.00} + change, and they were calling to collect a debt. I explained that I did n't owe anything other than my regular payment. They told me I owed processing fees and the rest of the {$25.00} fee. They told me I payed by phone which is {$15.00} not on line like I actually did. Plus there was nothing on the website that indicated a fee to pay online. I paid this bill to avoid the {$99.00} payment when you are late. This happened to me once when I was a day or XXXX late a nd I thought it was excessive so I did n't want this to happen again. When I said I refused to pay it because I paid the fee, XXXX the supervisor told me she would wave the XXXX dollars but I would still have to pay {$3.00} with a {$15.00} processing fee because the penalty for them not collecting the money directly from my bank account totalled {$99.00}. Regardless the figures just did n't add up. I am disgust ed with them. They are charging and over charging because at the time of purchase my credit was not good. I feel I 'm being robbed and cheated. I want to pay for this product but not with such harsh penalties and high interest. I am retired but still working to keep up my responsibilities. These people are crooks. Total cost of product {$1500.00}. But I still have over a thousand to pay.
Debt is for trash bill. Credit management contacted my parents on Wednesday XXXX XXXX, 2015 regarding a delinquent balance ( that was never delinquent ). Told them the dollar amount and threatened to place a lien on their house. All thus after my parents told them that the debt did not belong to them and they were contacting the wrong person. They again contacted my parents again on XXXX XXXX, 2015 even after the conversation on Wednesday when my parents told them they were contacting the wrong person.
In XXXX of 2015, Bank of America wrote me to state they paid a XXXX insurance policy To XXXX with my escrow money and I might not have enough escrow funds. I do n't have XXXX XXXX. I have used XXXX XXXX for the 10 years since I owned this house. I called, they admitted paid someone else 's policy with my money. BUT they will not pay me back the money until XXXX repays them AND it has my name on the check. Why would XXXX have my name!! I call often, can never speak to a supervisor. I am told each time 7 to 10 days I will have the money back. It has been over 7 months with no resolution. NOW they have just increased my monthly mortgage payment by {$220.00} to cover their mistake! Bank of America has taken no responsibility for their error. They readily admit it is their error. HELP. 
They admit the paid the insurance for some other home with the same street address in some other city and state. When you place a street address in XXXX maps you can find TONS of addresses in different cities and different states with the same street address.
XXXXXXXX XXXX XXXX SC Attorneys at Law is not giving all the information I need for a Case between XXXX XXXX XXXX XXXX XXXX XXXX vs. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the law firm client. I'm XXXXXXXX XXXX  XXXX 's mother, XXXX XXXX. I understand they had court in XXXX for her. She was paying the loan and stopped in XXXX of XXXX. They are trying to garnish my check without giving me any proper information about the borrower and loan. I want to see the original papers so I can know more about the loan. XXXX, phone number, XXXX, ext. XXXX is the rep. I've been in contact with and I can't explain anything to him. He is so rude. I believe if you are going to garnish someone's paycheck they should know more a bout the company, which is not a regular loan creditor. They are a trust place and more like a depositor. I told them I'm really not able to pay my daughter 's loan. I am the cosigner. My daughter has two jobs and is working on her XXXX XXXX degree. She just received XXXX and should have payed her dept I'm not sure if this place is legitimate or not that's why I didn't provide them with any of my financial papers. 

Case # XXXX File # XXXX
Ocwen mortgage tried to complete a modification with me for over 1 year. I was told not to make payments, or to make lowered payments for that timeframe. I completed paperwork over and over again, only to have the dates pushed back or them state paperwork was not complete, or still in review. Then, once the modification was completed, my mortgage was sold to XXXX and I started the loan with them " 2 months behind '' which I was not. I can not get either company to resolve the 2 months behind issue and my credit score has dropped to the lowest level. I can not check my account online with XXXX because they wo n't give me the security code to access my own account. I have fought this for 7 months with no resolutions. I paid a XXXX payment last month and still show 2 months behind. Escgrow account has gone negative and with no notice, they took money from my insurance company for my auto insurance. I can receive no help on the phone from either company and need resolution of the initial modification with Ocwen and the subsequent issues with XXXX.
There are SEVERAL issues with my equifax report. I have been trying to resolve these issues for years and nothing has been fixed. 
# 1. Phone, address, etc not updated for several years. I have mailed and spoke to them about this several times. Each time I have been told it was fixed. I do n't find out otherwise until one of my accounts gets closed or I get denied due to info not matching # 2 : listed account-XXXX XXXX is WAY out of date. It has not been updated since XXXX. This is huge bc since then I have not had any late payments and the account is open in good standing. Due to that out of date info and othet issues, my XXXX score is continously going down and affecting my CURRENT CL. 
# 3 : SEVERAL accounts are missing. These not only provide more open accounts on my report but it ups my limit, reduces my utilization, affects my open account history etc etc. 
# 4 : I have been unable to get my reports / score from equifax for several years. I keep calling and doing their processes over and over. Nothing. 


All of these things combined are having a serious affect of my life. I am constantly getting declined bc of equifax and my current credit is being affected. I HAVE TO GET THIS FIXED AND CORRECT INFO SENT TO ALL RECENT INQUIRIES!
I have an " adverse '' account on my credit report with XXXX Mortgage Company and a claim of delinquency starting XXXX/XXXX/2014. 

They report a delinquency on XXXX/XXXX/2014 for failure to pay a mortgage payment in the month of XXXX ; however, I provided XXXX fully executed settlement documents and the deed to my home on XXXX/XXXX/2014 ( less than 30 days from the payment due date ). Per the IRS Form XXXX they issued to me, the fair market value of the home was {$250000.00} while I only owed them {$210000.00}. 

Based on the fact the mortgage was fully satisfied on XXXX/XXXX/2014, the delinquency in XXXX should be removed from my credit report and the account status should be changed to a satisfactory account across all three credit bureaus. 

In addition, Transunion 's credit report states, " Any rating that is shaded indicates that it is considered adverse. '' The shading starts at " 30 days late '' ; therefore, Transunion should have never allowed this account to be coded as adverse.
I was reviewing my credit report on  XXXX  web site, and I realized that I have a COLLECTION ACOUNT REPORT for {$2300.00} made for NATIONAL CREDIT SYSTEM This debt is not mine, and I made a dispute whith   XXXX   in order to delete the debt from my credit report, and I told the person who attended me that I received my SSN on the end of   XXXX  , and the charge was made on   XXXX  , therefore, I couldnt have done that expense, however, the DISPUTE RESULT that  XXXX  did, just was, to update the debt, but the debt still on my credit report, thats why I am asking you to help me out to resolve this issue.
Navient reported my accounts as late and no payment received on my credit report for years while I was in school or supposedly had my loans in forbearance or deferment. I have been trying to get my report corrected for years including personal phone calls to Navient and letters sent by two separate credit repair services. These inaccuracies have kept my scores lower than they should be. This has caused significantly higher rates when purchasing cars and renting my homes. It has prevented me from getting mortgage loans to buy a house. I have continued to have to pay higher housing costs because renting is so much more expensive than owning. I have also had to deal with getting rejected for credit cards and having way higher APR for the couple I have managed to get. With all the loans I have, I have 20 missed payments on my credit profile. I have sent several letters to Navient myself along with the credit repair services and I have not heard anything from Navient. This is really hurting my credit and I want the late payments removed.
In XX/XX/2017, I filed a police report for identity theft. I listed Santander as 1 of the companies that were reporting fraudulently on my credit report. I also sent a copy of an identity theft affidavit along with the police report to the credit bureaus. XXXX  and XXXX removed all the fraudulent accounts including Santander. XXXX did not. I re-sent the identity theft dispute to XXXX and was told that the dispute information was sent to Santander. I recently was told to contact Santander directly, which is what I did. They informed me that a loan was issued in another persons name and SSN. Recently I was told that a family member had stolen my identity. They had gotten this auto loan under another SSN and called Santander in the middle of the loan and gave my information to them which prompted Santander to start reporting the loan under my social security number. I was given an identity theft packet by Santander to complete and notarize which I did and asked for a copy of my Drivers License and SS card. Upon receiving my SS card, they then asked me to sign a XXXX  form to verify my SSN. They are stating that they had every right to change original contract information to my information even though I didn't give it to them and I didn't apply for a loan with them.
Loan account opened in XX/XX/XXXX, but account was posted after my 4 years of school in XX/XX/XXXX. I have exhausted just about all avenues to have the missed payment marks removed from my credit. I at the time XX/XX/XXXX called up my loan provider and ask that the loan be placed into deferment, however i am assuming that it never was. I some months later caught that this was still reporting as if i was missing payments when in fact i should n't have had any payments to make. No one that i spoke to about this matter apologized or even tried to fix the matter by removing the marks but i am still left with the dragging of my scores down because of this error.
I presently have a credit card with Best Buy ( Citibank is now the lender for this card ). I am presently late with my payment due to a change of salary from my primary employment ( which is struggling ). The issue I encountered with the bank is this morning they contacted my parents home asking to speak to me regarding my credit card. My mom who just was released from the hospital after a month took the call. First of all I do not live at my parents home. My application DOES NOT have my parents number listed as a contact. I do know how they obtained this number. I have been a customer of Citibank for approximately 18 years - holding several checking accounts with them. This branch went into my personal banking files where I know I listed my parents as a reference. I understand a credit division has the right to contact me in this instance, but I DO NOT feel they have the right to " fish '' into my personal banking information and obtain a family members number. Is n't this against the Fair Debt Collection Practices Act? I would appreciate any investigation into this matter. Thank you.
Suntrust Bank provided written response to complaint XXXX stating a subpoena was received for release of my personal account information in XXXX. Suntrust identified in their response an attorney which has since hired legal counsel acknowledging no such subpoena existed and she found the statements. I have since discovered the employee from Suntrust Bank, XXXX XXXX has been terminated and Suntrust Bank is in denial or is simply trying to skirt past the fact my financial privacy was violated by testimony in open court as well as providing access to my bank statements in open court. The court docket and court reporter have recorded Suntrust testimony. Please share my complaint with all elected officials, federal and state agencies as deemed appropriate, I believe this action warrants a hefty fine and further compensation for negligence and misleading information to a consumer and a federal agency. The event in question took place in XXXX, not XXXX.
Dear Sir/Madam, I deposited a check to my savings account XXXX. The check was returned due to insufficent fund and ally bank charged me {$7.00} for returned check. I understand this is not a bank error but ally bank customer care staff have been very rude and incompetent in handling my fee waiver request. Other banks will give a curtesy fee waiver for first instance. Ally bank provides far below standard customer service and I am filing a complaint about it. Ally bank needs to provide a fee waiver as other banks do.
I am a US Citizen temporiraly living in XXXX, XXXX. 

Short story : My birthday is wrong in the HSBC system, and I can no longer log in to my account. I need my birthday changed. I have spent well over 4 and a half hours ( about 273 minutes by my count ) either talking to HSBC reps or on hold trying to fix this  problem. 

The way I see it, HSBC has stolen my money and time. 

Long story : 1 ) After coming back from vacation, I tried to check my account on Sunday, XX/XX/XXXX. Security features had been added which asked for my birthday. I put in all the correct details, and it would not let me log in. 

2 ) I called HSBC for the first time on XX/XX/XXXX. I told the representative what was wrong. I had not changed my password. He told me to change my password. I still couldn't log in. He told me to change my password again. I still couldn't log in. He said try again later. That phone call took 39 minutes and 50 seconds. 

3 ) I tried again later on XX/XX/XXXX. It did not work. I called again. They again asked me to change my password. After I explained that that wasn't the issue, I did it anyway, and it did not work. The representative did not know what to do. That phone call lasted 43 minutes and 45 seconds. 

4 ) At work Tuesday morning ( XX/XX/XXXX ), I tried to log in again, and it did not work. I tried talking with the online chat. After explaining the situation, they told me to call HSBC. The online chat took 30 minutes. 

5 ) I called HSBC three more times with the number the online chat person gave me. I got no response as it was not US business hours. 

6 ) The online chat person gave me a different number. I told the representative the entire story, she had me change my password again, again, it did not work. This representative noticed that my birthday was in the system wrong ( even though I asked the first rep if it was correct ), but told me I had to wait to call during US business hours. That call took 29 minutes and 2 seconds. 

7 ) I called again later that day, but it was no longer during US business hours. It took 7 minutes and 26 seconds to find that out. The representative took my number and said  they would call me back, they never did. 

8 ) I called again yesterday ( XX/XX/XXXX ), during US business hours, explained the situation, and was put on hold. I waited 1 hour, 2 minutes, and 22 seconds. I was not connected to anyone. 

9 ) I hung up and I called again, again I explained the situation, and the representative told me that she was putting me in a " priority queue '' and that this situation would be resolved today. I waited on the " priority queue '' for 39 minutes and 38 seconds.

10 ) I hung up and I called again, again I explained the situation, and again the representative tried to connect me to another department and I was put on hold. I waited 22 minutes and 42 seconds, and then HSBC disconnected the phone call. 

I still can not access my account.
Navient has failed to provide the most basic functions of adequate student loan servicing at every stage of repayment for my private loans. 6 months after graduation, I reached out to Navient to discuss my repayment options since my salary was not adequate to make payments and was told that my payments could not be adjusted to my income.Instead, I was told the only I options I had was graduated repayment which lowered my overall monthly payment by {$200.00} and increased {$400.00} after 1 year or deferment. Although I was willing to make monthly payments that were adjusted to my monthly salary, they would not work with me on finding alternative income-driven plans. Although my salary has not increased in the last year, my payments have increased tremendously. I can not sustain these payments much longer.
I bought a condominium with XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX my account was sold to XXXX. On XX/XX/XXXX I had a loan modification through XXXX XXXX. On XX/XX/XXXX after five years of having a loan modification my mortgage went up but unfortunately I forgot and I sent the regular amount I used to send for those five years. AtXX/XX/XXXX I had a phone call from Statebridge saying that I was late, and then they say I didnt send a payment. The lady that helped me out said that she would take the money from my escrow account and she did ( that can be seen on my mortgage statement ) the next call they say that the lady did not take the money from my escrow because that can not be done. To make the history short sinceXX/XX/XXXX I have been in contact with Statebridge trying to solve this. I will include in this complaint record of the phone calls, emails, bank statements, etc to show that Statebridge has mishandled my account big time, took my money including escrow money and they still saying that I owned the month of XXXX. There were XXXX dollars on XX/XX/XXXX. On XX/XX/XXXX that money went down to XXXX dollars that disappeared from my account as other fee payment, not to mention the escrow money XXXX dollars. They also charged two XXXX fee for over the phone payments that I never did. I always pay my account through my XXXX XXXX account. They also asked me to send XXXX dollars and my account will be current, well I dont see they posted that money anywhere on my account. <P/>I have been trying to fix this since XX/XX/XXXX and even though I have been on top of the matter they keep accruing late fees and reported 5 late payments to the bureau of credit making my credit score go down to XXXX. I have proof of everything which I keep sending to them and every time I speak with a customer representative I have to send it again because they always say they dont have anything on file and ask me to re-send it. I told them that I know I have to pay late fee for the first month I forgot to pay for the increase of my mortgage but not the rest because I did try to fix this matter on time. On my last over the phone conversation with XXXX XXXX he said that the XXXX dollars I am talking about never were mine, that I dont have that money. I kept asking where is the money and he got frustrated and said you came with that debt from the other company you have you mortgage with I told him I know what he was talking about and that is a money that I am supposed to back but I have the life of my mortgage to pay it. It doesnt have to be a specific time. I told him that I did not authorize to get my monthly payment money to be used to pay anything but my mortgage. He concluded saying " I dont know what you talking about ''. He also threatened me saying if you dont pay the month of XXXX now we will report you again on the XX/XX/XXXX to the bureau of credit and if in 45 days you still havent pay we will put your account in delinquency ''. The customers representatives I have been in contact with are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and the two supervisors XXXX and XXXX
On XX/XX/XXXX Access Receivables wrote to me claiming that my account with my pain doctor has been placed for collection and tells me that I can not communicate with my physician or the financial department of the medical practice. Access Receivables claims I owe {$420.00} to my pain doctor when in fact I am a Medicare and Medicaid patient and the financial department has not properly billed Medicare and Medicaid. I do not owe anything. On XXXX XXXX Access Receivables called me and advised that I was refusing to pay although I informed Access Receivables of the foregoing. I have written to Access Receivables to attempt to give them my insurance information, and I attempted to give insurance information to Access Receivables by phone, but the representative of Access Receivables refused to accept my insurance information and repeatedly demanded payment.
I filed a complaint to you against Bank of America and you sent me the following response : The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. Bank of America has not explained everything or finished their response and you have not sent me an update and I am wandering if you have one especially since your statement says they have provided me with a " partial response ''.
Approximately two years ago, I purchased the XXXX through XXXX. It has been determined that the product will never ship and was simply a fraudulent way for the XXXX  creator the obtain money from consumers as a scam. I have spoken with the credit card company and with XXXX and the vendor, and nobody seems to want to take responsibility for refunding the scammed money.
On XX/XX/18 I contacted XXXX  about some credit inquiries and the company will not dispute my complaint after I explain to them several times that I did not authorized several hard inquiries on my credit report.