WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX after we received our tax refund, my husband called our mortgage company to see if we could pay off our escrow for the year and and if it would lower our monthly payment. The person he spoke with at the mortgage company told him yes this was an option and gave him the amount to send to escrow and quoted him what our new monthly payment would be after that was paid. We sent in the check for the new monthly payment as well as a separate check for the escrow. I received a letter stating we had n't made our monthly payment and they were holding what we sent in suspense. My husband called to see what was going on and they told him that we actually CAN NOT pay off the escrow and that we would get a refund for the entire amount we sent them minus the amount to make up for the short payment. We went back and forth for over a month with these people never getting our money back and being told we were going to get the refund and then that we were not. Finally my husband talked to a guy that said yes we will get the refund and that they would now take the next monthly payment out of the money we were getting back and send us a recalculated refund. We finally got the refund and then got a letter stating we did not make our payment that was taken out of the refund check. My husband called and was told that they did not take it from the refund and that was the XXXX payment. But we had already made that payment. Now they are saying we will have an over 30 days late on our account. These people give you a different answer every time you call. They need to account for every penny of that money that they were supposed to refund to us. This was their initial mistake to begin with because they told us it was an option. Then they held our money hostage and now are apparently stealing it, too. He tried calling back to see if someone else might help him and as soon as he gave the account number they hung up on him.
The company is called Speedycash. It is a pay day loan service, but they also have gaming consoles, and electronics such as laptops and tablets. Having had an old computer I decided to get a laptop though them since it seemed an easy process to do. To sum it up. I got the laptop. Payments are automatically ( required ) to be taken out on your paydays per their stipulations. My pay days were every other Tuesday, so they debited the XXXX dollars out of my account every other Tuesday. The problems started when I changed jobs. With the new job, my pay days are every other Friday instead of Tuesday. They kept taking my money out of my account every other Tuesday like those were still my pay days, which caused my account to be over drawn twice. I called them and told them this. They said they would make the changes in my account of my new pay days so the payments would go through on the correct days. The changes did n't happen and my account was overdrawn again. I called them again and told them this, which because of all this caused me to be behind XXXX payments to them because they were drawing the money out on the wrong days. I called them and told them the problem yet again. Spoke to two different representatives and set up a payment arrangement to be taken out of my account to catch me up the following Friday. The following day another major problem happened. I called again to ask another question about my account and when I verified my information ( my name and ssn ) they said that the info I gave them did n't match what was on file. ( mind you I had just spoken with and verified my information with two different customer service reps the day before ). Frustrated, I was told I had to call one of the local Speedycash stores and give them my information again and the customer service rep at the store had to the call customer service center and give them my information. This did n't make sense to have that level of incompetency happen that fast with my personal information. Once that was cleared up just in the last few weeks and the day of this writing they have been ( attempting ) to take money out of my account on days when I have n't authorized. The day of this writing, XXXX dollars was taken which caused my account to be overdrawn again and the same amount was tried last Friday, which caused me to be late on my car payment. The only thing I am left to do is to change the account # on my account information that they have so they wont be able to just go in my account Something needs to be down about this company and their shady business practices. They have lied to me when I have called and asked about how and when my payments go though my account, saying that its all up to a computer system and that they have no control over it. I was even told that payment arrangements are n't always honored because of this so called system. Any help would be greatly appreciated.
I was part of the XXXX credit information hack. it is unacceptable that I have to PAY to freeze my credit when I did not consent to my information being stored by XXXX, Experion, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
I have applied for a Wells Fargo credit card numerous times and have credit scores in the 700 's and continue to get denied. I have friends that have credit scores that are much lower and have negative items on their credit report are getting approved. I feel that Wells Fargo picks and chooses applicants unfairly due to their demographics. I feel that I have been discriminated against by Wells Fargo. I have 3 checking accounts with them over 5 years and maintain good balances.
My 16 year-old son lost his Bank of America debit card and pin number which was his first ever card and banking experience, which was recovered by unknown people who illegally used it. Over the course of about 15 days from XX/XX/XXXX18 the thieves used the card to make several purchases and deposits to decieve the bank and to the result of a negative ( - {$2800.00} ) charge in the account of which I am the parent. B of A then took money I had in a different checking account to cover the negative balance. I need this money returned to pay my immediate bills which are now late. 
Bank of America has of this date refused to take responsibilty for recognizing this fraud, which is all the more alarming! I am willing to testify and prosecute should a suspect be identified. I have also filed a police report in XXXX county onXX/XX/XXXX18 but the case is very slow moving to say the least. B of America knew my son was inexperienced in banking. B of A also was familaiar with this particular scam that was perpetratrated on us. I was shocked they effectively gave this " debit '' card not only " credit '' but also let it go hugely negative only to zap the money to cover it from me just as I attempted to pay my rent causing cascading financial problems for me. They also blamed me and my son, were very dismissive in my efforts to investigate, sometimes downright rude, and could help by checking their ATM video tapes to identify suspects, but have immediately closed off further investigation even after I asked them to reopen the " supposed '' investigation.
Citi double cash offered me an interest free balance transfer. 

I used the offer on XXXX XXXX for a balance transfer of {$1900.00}, transfer fee was {$59.00}. 
My purchase for that billing period was {$2300.00}. 
My statement has a balance of {$4300.00} ( including transferred balance and transfer fee ). 

I paid {$2500.00}, which is more than my purchase for the month, and cover some of the transferred balance. 

On XXXX XXXX, I received the new statement, which charged me {$16.00} as " interest on purchase '', even though as I mentioned above, I paid more than my purchase for last billing cycle. 

I called Citi and they said they will credit my interest back. However, They can not tell me where the problem was and why they fraudulently charged interest on the balance from " no interest balance transfer ''.
I am unable to make any payments outside their business hours. 

Previously I was able to make online payments, but now, their website would not allow to make any online payments as it states in error " no future payments can be made '' I am also unable to make payments over the phone since they are closed after business hours. 

This allowed me to be late on my payment.
I sent a certified letter to a collection agency by the name of pro collect. I have a Chapter XXXX bankruptcy that I filed back in XX/XX/XXXX and it was discharged on XX/XX/XXXX. That debt was included in that bankruptcy, so I sent Pro Collect a certified letter with a copy of the discharge order from the bankruptcy court. They received the letter on XX/XX/XXXX, but I never got a response. On XX/XX/XXXX at approximately XXXX hours, I called ProCollect and spoke with a Ms. XXXX ( she would not give her first name ). She informed me that the account in question was restricted and I would have to contact a Mr. XXXX ( would not give his first name ) by email only. She gave me his email address. I contacted Mr. XXXX on XX/XX/XXXX at approximately XXXX hours and informed him who I was and of my issue. His only response was, Account number? I sent him the account number at XXXX hours and have yet to receive a response.
I had a dispute in the amount of {$240.00} with XXXX XXXX on my card ending in XXXX with the merchant. The most recent dispute reference number is XXXX. I detailed in the most recent dispute that the merchant was contacted to attempt to resolve this problem and they ignored my contacts. The merchant was supposed to fix a check engine light and did not do so, and I was billed. American Express is refusing to honor the Fair Credit Billing Act in refusing to provide a credit for services not properly rendered. American Express has not given me ample opportunity to tell my side of the story and refuses to refund the charge when a refund is due.
Paypal chose to suspend my account because they issued a dividend to me on XX/XX/XXXX and then withdrew the dividend on XX/XX/XXXX, so 100 % a paypal error. This was a dividend of {$2.00} so they are showing a negative balance because of their error. I immediately initiated a bank transfer to send them the negative balance, but this takes 3-5 business days. The only option to replenish the funds faster is through an instant transfer which carries a {$3.00} fee. 

Paypal is acting as a predatory institution. All I want is use of my account that is now shut off because of their error.
called my news wifes cell phone number ( got married 2 months ago ) on a debit from 2004 ( credit card ). I did n't even know her then and this is the XXXX call to her in XXXX month. They should n't even have her phone number. The XXXX call she asked to have her number removed and not associated with this. and today they called again
I am 11 days late making a payment and they call me up to 10 times a day, some times more
SunTrust bank caused overdraft fees by not doing the correct fraud investigation into my checking account. On XXXX $ XXXX $ XXXX {$550.00} funds drafted from my checking account. The bank closed my debit card due to fraud and refunded the first two charges. The last charge they denied via letter and I was requested to contact the vendor for the funds. I appealed and requested information about the vendor specific contact info. They refused to give me the information, although it was the same vendor for the 3 claims. I requested the head of the department phone call ... never received a call from the fraud unit. The bank has refused to reimburse me the NSF fees collected by the deduction from my account. They claimed the 3rd claimed denied because they had other claims for the same vendor. Lack of customer service and investigation and overcharge in fees.
Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX/ XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or  documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP
This account is from Identity Theft, I have called Capital One many times to dispute it and also on my credit reports and they still don't fix it. I have provided all documents and have not got anything back from them. 

Federal Trade Commission # XXXX
I received a copy of my credit report and there was a collection reported from XXXX XXXX XXXX but the bill was paid directly to the provider. There was a mix up with the insurance and it wasn't until a little later I was informed that my insurance coverage did not pay for it so I paid immediately. This never should have been sent to collections it was paid before this even started to report.
I am in deferment pending my next class in XX/XX/2018. I have repeatedly informed XXXX XXXX that I will begin classes and have been assured that I am deferment until then. I also keep getting notifications thats I am behind on my payments. When I call they are complete unhelpful and driven to force payments I do not have to pay.
I told them I could work out an arrangement with World Acceptance Corporation. They said no. They keep calling my job after they told them no.
I had a business account with XXXX XXXX XXXX XXXX. Asked XXXX XXXX XXXX to close the account and send me invoice for balance because I transferred to XXXX XXXX. XXXX XXXX XXXX never sent me an invoice. They sent it to collection without sending me an invoice or notice. The collection agency the balance was sent to is called " Diversified Consultants ''. Diversified Consultants never sent me an invoice or notice stating my account was in collections. Diversified Consultants reported the collection to the credit bureaus. I was never given a chance to pay the balance. I have never had any issues with making payments as my track history can show. Very difficult to get the collection agency to understand.
Property tax exemption was approved XX/XX/XXXX by City tax assessors office. 

Loan was transferred from XXXX to Freedom Mortgage on XX/XX/XXXX with an escrow surplus. Made numerous phone calls to XXXX prior to transfer of loan, but to no avail. 

XX/XX/XXXX emailed Freedom Mortgage Customer service regarding escrow refund. XX/XX/XXXX received a generic email response referring us to " Your Loan Transfer - FAQ '' on their website. 

XXXX with Freedom  Mortgage representative on XX/XX/XXXX & requested escrow refund, in amount of {$5100.00} -- she asked we send proof that we were tax exempt - emailed copy of tax exempt letter. 

XX/XX/XXXX Spoke with Rep Id # XXXX in regards to tax exempt letter submitted - said target completion date was XX/XX/XXXX. 

Spoke with Rep. Id # XXXX on XX/XX/XXXX, notes per escrow dept ... '' our research found that your account is not being escrowed for your property taxes, but for your homeowners insurance ''. Rep. said that escrow analysis can only be run within 90 days of acquiring loan. 

Called back on XX/XX/XXXX - Rep. Id # XXXX, says since they acquired the loan, escrow analysis could be requested at 60 days. Rep ordered analysis, said the target completion date XX/XX/XXXX. 

XX/XX/XXXX spoke with Rep. Id # XXXX, claims pending tax research and unable to do escrow analysis at this time. - - - - - Requested to speak to supervisor ... ID # XXXX. Supervisor said that escrow was done on XX/XX/XXXX BUT had not been " downloaded in the system ''. That it may take a few weeks. 

In a nutshell ... getting the run around, Freedom Mortgage holding our money for no reason and seem to be stalling on processing a refund.
My credit report showed a collection agency, NCB Management Services, INC with a balance of {$6400.00} that belongs to my ex spouse 's loan from XXXX. The loan does not belong to me. My ex spouse, XXXX XXXX is solely responsible for repayment of this loan per my divorce decree. NCB Management has failed to provide me with any type of documentation or proof that this debt is mine. I did not get any type of letter or notice from NCB Management Services regarding the collection account nor did they give me 30 days to provide that this debt is NOT valid.
Reviewing my TransUnion credit report, I noticed there were many inquiries which I never made. I have called each one of these companies and they confirmed no application was filed from me and they had no record of my name or social security number. 

This concerns me because 1 ) the wrong people may be accessing my information and pulling reports under the guise of a legitimate company and 2 ) this inaccurate reporting actually lowers my credit score. 

These are the companies I have verified so far that had no record of me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX I XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX I 'd like to have these inquiries removed from my record immediately. 
Any questions, feel free to call or email me XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX
XXXX XXXX XXXX closed an account of mine with them on XXXX XXXX, 2016, stating in the letter " because we no longer offer this type of product. '' Equifax reports that the bank reported to them that the " account [ was ] closed at consumers request ''. I did not request closure -- that is a false report. My credit score dropped by about XXXX points because of the reduction in total credit. My credit has been damaged by a false report. The bank should either not have closed the account or should make the report right with Equifax and ensure my credit score is not harmed in the process.
On XX/XX/XXXX a fee of {$450.00} dollars was charged by Navy Federal Credit Union for an appraisal. I was dissatisfied with the service and canceled the appraisal and closed with a different company. Navy federal has refused to refund the {$450.00} dollar charge and can not provide the appraisal since it was never completed.
Starting XX/XX/2018 I have been receiving phone calls From XXXX XXXX debt collection agency. Upon every phone call I verified my name and mailing address and requested a debt verification letter to be sent to me. In XX/XX/2018 I informed XXXX XXXX that I have never received any debt verification letter. Today is XX/XX/2018 and I have still not received any debt verification letter from Midland. Since Midland started calling me weekly since XX/XX/2018, I have asked for a debt verification letter and I have reviewed and verified my mailing address. Midland maintains that they have sent a debt verification letter ; Midland continues to call and request payment by phone or online for a debt of {$560.00}.
Got pre approved for a vehicle with XXXX XXXX and went to XXXX XXXX to pick up a XXXX XXXX. The initial salesman lied and told me my preapproval with XXXX is not valid and attempted to deceive me into running my credit with another bank. I objected several times after taking a test drive, telling them I only wanted to deal with XXXX XXXX for the loan. They then proceeded to falsely advertise incentives. After doing another credit check I was told I was denied, and shown a credit score and profile that was not mine of another lady named XXXX XXXX. I almost sadly walked out thinking I was denied until I noticed they gave me another customers credit report which is illegal. After telling the owner XXXX XXXX I would leave a XXXX Review ew he threatened me, saying that things would happen but he wouldnt know who did it. All this happened after they refused to give me a business credit application for my company I own a percentage of by only providing the last co-signer page of the application. They have committed dealer fraud. XXXX XXXX XXXX said he was told by the sales and finance manager I did not want to deal with XXXX XXXX  and this was a lie, I told him thats the only place I would deal with. I was asked to leave after my boyfriend started recording the situation, and then cornered in the parking lot once again by the owner XXXX XXXX whom threatened us earlier ; I kept telling him needed to leave to feed my XXXX year old child. He offered to give me the XXXX XXXX for the weekend while he finished my loan and called XXXX, I objected telling him they have broken several laws and violated my rights in the process.
Went to see my doctor and asked for certain type of XXXX for a procedure that it should of been covered by my medical plan. a month later I get a bill in the mail from the doctors office and the XXXX company. after several attempts with the doctors office they realized that it was a first time visit and it should be cover with my insurance plan also the XXXX should of been covered by my plan. they corrected the office visit bill but never corrected with the XXXX. 
I should not be paying for the XXXX bill since I did not requested those additional XXXX. 
my visit and XXXX should be paid by the insurance company in full. the extra XXXX was irrelevant to my procedure. there was no need to have added tests to the XXXX it was required. 
I called the insurance company and put the dr office in a conference call, they were going to call the XXXX to correct the bill and they did not. 

I have an outstanding credit history. I pay my bills on time. However if the bill does not belong to me to pay I will not pay it.
I opened a checking account in fifth third bank with a bonus offer of XXXX dollars. I finished all requirements to get the bonus but I did n't obtain the bonus because of XXXX occurrence of overdraft of my account. However, the reason why it happened is not my fault at all. The banker failed to code me as a student in the system, as they said, so that I was charged monthly fee at that time and the negative balance shown on my account. Then they regarded me as a bad account and refused to give me the bonus. The weird thing is that, for the first month I opened my account, the monthly fee was not charged on my account because they successfully coded me as a student. When I finished everything they required to get the bonus after the first month I opened my account, I was charged that mostly fee so that I was not qualified to get the bonus. What a trick! I should get that XXXX dollars bonus. All information can be obtained from my statements. You can also find the reversed monthly fee which means they gave me monthly fee back after I asked them. What they said to me about the bonus is that even though I was qualified and this was not my fault, they could not change anything in their system regard to this.