WillisBack/dataset-financial-user-claim huggingface dataset:
I was going through my bank statements and realized that a charge of XXXX had been taken out of my account by a company called XXXX. I also noticed that a pre-authorized check in the amount of XXXX ( that was not signed ) had been made out to XXXX. After extensive investigating I realized that this had been going on for quite some time. There were XXXX charges from XXXX ( total of XXXX over 35-40 months ) and XXXX checks made out to XXXX ( total of XXXX over the course of 31-35 months ). Now, I called XXXX. At first there was no answer. I called a second time and a female answered. There was a sound of wind, so I think the number was transferred to a mobile phone. She said that I had a " wrong number. '' After that, I decided to call my bank ( Chase Bank ). I spoke with a young woman. She said, " we are only allowed to refund the last XXXX charges. Additionally, if you want us to create a stop payment, the charge is {$32.00}. '' I was pretty heated. I said, " I have had my card frozen for fraudulent behavior. And actually there was no fraudulent behavior. Now I need this help from you and you say that it 's all my fault? '' I asked to speak with her supervisor. He told me that they could not help me. I requested a call back from his supervisor. Now in the meantime, I tried to figure out where this charge came from. I researched online and found several complaints regarding both XXXX and XXXX. I did not sign up for these " services. '' Chase should know that these are fake services who scam customers on a regular basis. After about a week, the manager called. He said, " I 'm sorry after further investigation we have decided to not give you any refund. You signed up for these services. '' I said, " do you have any proof. '' He said, " we have decided that you signed up for these services. If you want a stop payment, we charge {$32.00} for both check and electronic. As a one time courtesy, we will wave the stop check fee. '' I said, " Sir I never signed those checks. What are you talking about? '' He said, " I do see that you never signed the checks so we will stop those payments. '' I said, " what about refunding the checks? '' He said, " after investigating, we have decided that you signed up for these services. '' Well at that point I felt hopeless. I spent months trying to figure out what to do. I called XXXX regularly and finally got someone who said that they would no longer charge me. I said, " How did you get my information? '' They said, " Our records show that you requested our Identity protection. '' I said, " Do you have anything in writing? Signed by me? '' He gave me the run-around. I was complaining to my boss and he told me to post my story on Consumer Financial Protection Bureau. I really hope this helps. Chase was NO HELP whatsoever. I am so upset over the dismissal I received.
My business partner, XXXX XXXX, had opened up an American Express credit card sometime XX/XX/XXXX last year, XX/XX/XXXX. The CC was opened without my consent but included my name and my business name on it : ( can not include my name per instructions above ) and XXXX ( my business ). I hold 50 % of the business and I am the full investor of the business. I was aware of the card because it was presented to me XXXX after it was issued but I never approved of the card/credit. I do not understand how AMEX allowed to issue a credit card with my business name and my personal name on it without speaking to me. What truly makes me upset is that AMEX allowed XXXX XXXX to cancel my account XX/XX/XXXX without my knowledge. XXXX cancelled me out so that he could do whatever he wanted to : personal vacations, gas, dining, shopping, you name it. I called AMEX many times but they will not give me any info on transactions simply because my account no longer exists XX/XX/XXXX. XXXX has been making pmts to AMEX out of my business checking account ; charges are worth of XXXX and plus, which is effecting my payroll account and business operations overall. Because of XXXX large withdraws from the business account, I was forced to contribute my own personal money into the business to save all accounts and pay my employees on time. I am helpless here. Please help me to resolve this issue
On XX/XX/18 I mobile deposited a {$35.00} USPS money order and they put the funds on hold until XX/XX/18. I need this money to pay my bills before then. How can they put a money order on hold when it is as good as cash?
I have XXXX student loans XXXX with XXXX and the other XXXX with XXXX XXXX. XXXX accounts were purchased by Navient. 
Once Navient had possession of the accounts they 've been incorrectly reporting me as delinquent numerous times when I was on deferment and forbearance. I asked them to provide proof of what theyre reporting or remove the incorrect items from my report and they refuse. I called them on XXXX XXXX and a young lady answered the phone and claimed that she would transfer me to the right department that could look further into it and every time she would disconnect the call.. After calling back twice after she conveniently disconnected the call a recording would then pick up instead saying that the the office was now closed for the day at XXXX in the afternoon. Theses people are ridiculous and frivolous.
I have continuously contacted the debt collector who refuses my dispute of the validation of this debt. The representative could not provide me with validation as requested, other than a copy of a bill. I have continuously advised the collection agency that this debt does not belong to me, and request that the following debt be removed from all XXXX credit bureaus.
This company has been calling repeatedly, not only myself but also calling extended family and friends. When I answered today (   XXXX   XXXX   @  XXXX  p.m.  )  they did not tell me the call was recorded, did not identify themselves by  Company name even when I asked repeatedly. I told them they had some misinformation and the girl w ho said her name was  XXXX   XXXX  but at first told me her name was  XXXX   )  pounced on me and said I had admitted to the debt ( which I had not, I simply asked for verification of the debt ). She was extremely rude, loud, talked over me and would n't let me get a word in edge-wise. Multiple times she flat out refused to give me the name of the debt collection company she represented. She threatened to take legal action. Again, I tried to ask for validity of the debt and she refused, speaking over me and continuing to threaten me with action. I finally hung up on her. I called back and asked to speak with a  manager and encountered another rude person who kept refusing at which I point I mentioned taking legal legal action against them. I finally was put through to a " manager ''  by the name of  XXXX   XXXX  who said he worked for  XXXX   XXXX   XXXX   XXXX . I explained to him the problem but had no real resolution.
I was shocked when I reviewed my credit report and found a late payment on the date below : XXXX 2016 I am not sure how this happened. I believe that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.
Trans Union is not responding to any of my credit reports to investigate and remove XXXX account from my credit report that do not belong to me.
The com pany Loan Depot operating as " iMortgage '' in IL should be investigated for fraud. The LE 's ( Loan Estimate ) they issue customers ( myself included ) is/was EXTREMELY inconsistent with the actual CD ( Final Closi ng Disclosure of costs ). Furthermore for a  XXXX  loan, the entire portion of the escrow hold back ( in my case it was  XXXX  ) was not broken down into individual line items like the law now ( TRID ) requires and they charged me twice for the same {$800.00} fee listed on the CD. In fact, I was never properly disclosed the correct break down of this escrow hold back EVER by the company, in the entire process and can prove that is the case. I only got an estimate by the  XXXX  loan consultant  at one poin t weeks before closing. iMortgage did NOT disclose this itemized cost/escrow hold back whatsoever and likely does not do so at all to other customers like TRID requires they do before AND at closing.     My closing on  XXXX   XXXX    XXXX   lasted for ove r 4.5 hours. During this time, 5 different departments could not figure out how to get me the b reakdown of this lumped  XXXX  cost/escrow amount. I finally at  4 hours  into the closing was contacted by people in AZ who emailed me the breakdown. I discovered they had added a fee twice on to my CD that I had already paid outside of closing. They not only refused at that point to remove it from the  CD ( as I a m sure the loan amount could not be changed at the table ), but they also did not credit me in any way and said I would " Get that money later on ''.     The above is complete fraud and I am certain that upon investigation into this company LOAN DEPOT and iMORTGAGE, that they are breaking more than one law in regards to proper disclosing before and at closing.     On a side note, my loan  officer  was  XXXX   XXXX  and he played a major role in all of this. I do not feel he is equipped to do loans for people in general anymore. He is a much older gentleman and he was sent documents  3-4 times on average ( the same document throughout the entire 3-4 month train wreck of a mortgage process ).    XXXX   XXXX  is an employee whose entire department should be investigated. She was the  XXXX  rep for my loan and did a very poor job communicating or sending documentation/explanation at all.     Overall, I am astounded that  iMortgage  and  Loan Depot are all owed to do purchase loans for individuals at all. The process could n't have been more of a nightmare roller-coaster, and it 's a shame that they have been able to trick the system this long without getting caught. Did I mention my closing was ove r 4.5 ho urs long?!
I have a credit card with Elan Financial Services I have been paying extra and instead of the amount over the minimum payment being applied to the balance with the highest interest rate they are applying the payment to both balances. I have sent them a secured e-mail regarding this matter. They responded saying because I my account showed a purchase last month it was applied correctly. I have not used this credit card for several months and I have no automatic charges on this card.
I had a XXXX over the last 3 years and during that time was unable to remember many events and situations. At the time I did not have medical insurance and was left with significant medical bills of which some went in to collections, lawsuits and judgments. I will be paying on these for some time. 
This was all explained to the DOE prior to them saying they would send me a " Hardship Form ''. There apparently was a loan I signed for account # XXXX serviced by XXXX XXXX from The Department of Education. 
After I called the Department of Education on this loan and was told it went into default. I spoke to them about bringing it out of default and said they would send me a Hardship Form. As it turns out it was a deferment form so I called again and they said to just send what I could. Within a few days the Department od Education apparently placed this account into collections with a company called FMS. This company called me 5 times over the next five days and I told them not to call me anymore. I requested they only contact me in writing after checking their records of consumer complaints. 
Now the original amount of the loan was {$41000.00} interest due on this Parent Plus loan to date is {$4500.00}. FMS added {$11000.00} to the amount owed to DOE! How is that even possible, I almost had a XXXX when I got this letter. How is this possible that within one week I could go from owing {$45000.00} to {$57000.00}? 
Please help me straighten this out as this company is not going to treat me in a fair manner, at least that is my first impression. I would be happy to supply you a copy of their letter. I was going to send a certified letter to dispute the {$57000.00}, please advise. 
thank you, XXXX XXXX XXXX. 


These fees can not possibly be legal and the cavalier manner in which the DOE just forwarded this account to a collection company is not right. I have formal payment plans with the Internal Revenue Service and the State of NJ for back taxes while I was in the hospital and recovering. The treatment I received from both agencies was far better then this situation. FMS was constantly auto-dialing me at all hours of the day and evening. I have written times and various numbers they called from. Sometimes as late as XXXX.
I file a application for Citibank credit card. I was denied because they said I filed too many applications. The problem with that is I file XXXX applications with Citibank and was denied all 3 times. I feel that I am being discriminated againist because I am XXXX. Citi bank need to be investigated for there credit card practices approves others but denies XXXX. There practices are troubling to me because I am being denied because of the color of my skin. ca ; ; citi bank to complain and was still denied. They are not treating minority customers right and should be looked at.
For the past 15 months, I have noticed that EQUIFAX continues to report key factors that adversely affected credit scores. These key factors appear to be verbatim. EQUIFAX has yet to respond to these concerns. 
EQUIFAX stated that they have reviewed my concerns and concluded that I need to be specific with concerns by listing account names, numbers and nature of dispute. When a creditor sends a letter, they list the key factors that adversely affected their decision and the credit agency who reported these key factors. On XXXX XXXX, 2015, EQUIFAX reported credit scores of XXXX to XXXX XXXX Bank, XXXX to XXXX XXXX and XXXX XXXX, 2015 a credit score of XXXX was reported to XXXX. Why is there disparity in these score within the same day? I have become frustrated in the way EQUIFAX has been reporting my credit information. Why does companies continue to accept the credit agency information as gospel. Is there any way that the consumer can be a part of this decision making process? Why are these credit bureaus allowed to be a powerful influence and the consumer has no say so in whether he/she is approved or not approved. I conducted some research on my own and I found that some people feel that they are fighting a losing battle and the creditors are going to accept what the credit bureaus are providing, with no input from the consumer. Even if something is reported incorrectly, you will have to wait until the 60 days before issue is corrected. By that time the consumer could miss out of favorable credit rates. I have attached several letters that have been submitted to EQUIFAX in reference to key factors that continue to adversely affect my credit scores. The only responses received would be their investigations/reinvestigations, which does not address these key factors.
My husband and I both graduated from law school in the mid  XXXX  's and  XXXX   XXXX  suggested we do a joint consolidation of ou r Fede  ral Student Loans. This has been a disaster as we are not ineligible for Public Service Loan Forgiveness, but th e communication issues and bad advice did not stop there.     In  XXXX , we applied for  an Income Driven Repayment plan an d we were approved. We had a payment of {$0.00} for most of the  three  years we were on the plan. At some point during this time,  XXXX   XXXX  switched  to Navient. Navient lo st our paperwork for  XXXX , even though they sent us an email saying they got it. The girl I talked to on the phone told me that our payment would still be {$0.00}. I did not think another thing about it until  XXXX   XXXX . I recieved a call from a company called  XXXX  telling me our student loan was in  Default. ( Our cred it is now ruined thanks to this ) and we had no clue that there was even a problem. I calle d Navient an d they claimed to have NO RECORD of this loan or transaction.     Based on what I can tell from  XXXX ,  Navient apparently had transfered our loans to a state agency in NY -- - XXXX  ? who  again never contacted us, and even if they had, we would not have known who they were or that we had ever agreed to do any business with them ( because we did not ). I sent  XXXX  ( at there r equest ) a n email asking them to open an investigation into the matter in mid  XXXX . Ab out 2 weeks a go, we recieved a letter telling us the investigation was still ongoing and that we did not have to do anything. Then today, on  XXXX   XXXX , we received packets from this  XXXX  and  XXXX  telling us that we have 11 day s ( until   XXXX   XXXX   ) to request a hearing and a copy of our records in writing, or they are going to pursue a garnishment against us. We have had zero  communication regarding the outcome of the investigation, and this should require a minimum of 30 days notice under the FCRA.     Most shockingly, our balance was increased from {$170000.00} to {$210000.00}. I was laid off at work this month due to funding cuts, and so this is causing me significant stress. My husband is a school teacher, and we are just not in a position to pay the original debt much less the extra money they added on due to their error. They refuse to listen to me or properly investigate this matter, and I am really hoping you can help since you are familiar with their shady business dealings.
I have disputed multiple credit inquires on my report with the credit bureau multiple times and I am just not getting anywhere. I have spoken to all XXXX of the credit bureaus and to this day no one will assist me. I am disputing the following inquires as I previously have. I have no knowledge and did not authorize these inquires to my credit. I also have a fraud alert in my account and have had XXXX placed multiple times in the last year or so. I did not authorize the following inquires toy credit and have no knowledge of them : XXXX XXXX : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
I believe the so-called company " XXXX , Inc. '' Is fraudulent and I fear that my identity, finances and credit are at stake! 

I received a letter in the mail that stated that my account number has been turned over to " XXXX, Inc. '' for collection. This letter was asking me too forward payment in full or to call the office to arrange payment terms. It also stated that they report to XXXX and XXXX and that it is in my best interest to pay the money or contact them. The end of the letter was signed " Sincerely, XXXX '' Additional comments at bottom of letter : " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this. Or any portion thereof, this office will assume this that is valid. If you notify this office in writing within 30 days from receiving this notice that the debt, or any portion thereof, is disputed, this office will obtain verification of the debt or a copy of a judgment against you, & a copy of such verification or judgment will be mailed to you. Upon your written request within the 30 day period, this office will provide you with the name and address of the original creditor, if different from the current creditor. 
This is an attempt to collect a debt. Any information obtained will be used for that purpose. 
This communication is from a debt collector. '' I believe that this is a fraudulent company whom is attempting to steal money from me and possibly steal my identity. When I contacted the number to inform them that any or all of my medical debt has been paid in full, they were rude, demanding and very unhelpful unless I exposed personal and/or important information about myself. They refused to discuss the matter any further until I gave them my birthday, social security number and other information that I am NOT comfortable giving over the phone. When I research the company online through the XXXX there were endless complaints about this company being fraudulent and harassing other people around the United States!
This is my third complaint against usbank credt card, after trying to reach a payment agreement unsuccessfully several times. This financial institution tries to manipulate the minimum payment with increments of the APR without control, changing the terms in its way so as to affect the consumers that like I have been paying for my account for a long time and suffering overdrafts due to the indiscriminate increase of the minimum payment Without prior notice by mail, from my second complaint on  XXXX   XXXX ,   XXXX   this institution sent me the change of terms by mail to cover up their mistakes so far. For me it has been a great nightmare to have fallen into the deception on the part of this " misleading offer of credit '', for which the consumer can not pay and then his credit is damaged.   I ask once more to take this into consideration since it is difficult for me to reach an agreement with this the poorest financial institution I have ever known in my life, and I do not want others to happen to it. My  XXXX  accounts are closed therefore I do not have to pay any membership, besides that must be subject to the lowest APR that I had, in order to have a formal agreement and not abusive payment.And I want to remember that I asked that my accounts be closed years ago to take me to the lowest interests and without any type of membership or additional collection Sincerely  XXXX   XXXX   XXXX
A XXXX from XXXX XXXX ext XXXX continues to call my work place where I am not allowed personal calls. I have been warned and am currently receiving disciplinary action. She is not calling me she is calling a co-worker who has filed a complaint and she has told my co-worker the nature of her frequent calls. She calls my work place daily as well as two times a day. My next disciplinary action will be two days non paid administrative leave.
I have a loan through Nationstar Mortgage, I have automatic payments of {$1900.00} a month that pays automatically every month. In early XXXX I received a call from Nationstar rep stating that my payment was short by {$120.00}, I asked why and they stated that escrow analysis showed that there was a shortage. I was not notified about this by either phone or email. I asked the rep why my payment has increased by that much when my insurance premiums went down and the county tax had not increased. The rep could n't tell me and told me to call the escrow department. I called escrow and asked the same question, they put me on hold for almost an hour and I finally had to hang up. I called the next day to complain and asked to talk to a supervisor, they never called me back. Now I received a letter from them stating my loan is in default. I been trying to get answers from them about my escrow for over three weeks and still have not gotten a response. Can you help?