WillisBack/dataset-financial-user-claim huggingface dataset:
I called into Synchrony Bank when I noticed an unauthorized transaction on my card. This happened on XXXX XXXX, of 2016. They said they would close my account for fraud and issue me a new card. They did issue me a new card, but I never got a credit on my account. When I called them back, a month later ( XXXX16/ ), they said that they had lost my info and would reprocess my fraud claim, which would take another 30-60 days. During this time I spoke to several representatives from synchrony to make sure they did n't lose track of my claim. But THEY DID!!! Can you believe that I called them on XXXX/XXXX/2016 and they said that the fraud claim was not filed and it would take another 30-60 days to process my claim. A month later after several phone calls to Synchrony, I got a letter saying I benefit from services ... this letter was dated XXXX/XXXX/2016. I was very confused at this point, because I explained to the bank that I did n't know the company, and never gave them authorization to charge my card. What benefit did I get from them? This was an unauthorized transaction and I thought that maybe they misunderstood what I had explained to them. So I called them back and said they must have misunderstood, and that I had no dealings with this company, and that in order for me to benefit from the service they had to sell me something. Which could not have happened because I DO N'T KNOW WHO THEY ARE. So they told me they would give me reconsideration ( XXXX/XXXX/2016 ). On XXXX/XXXX/2016 they sent me a letter denying me again, with the same boxed checked. I benefitted from services. No explanation. Nothing. They have a {$0.00} fraud liability protection, I do n't understand why they are not adhering to their own policy.
have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Ive been a PAYING CUSTOMER of coinbase ( a bitcoin exchange platform on the internet ) since XX/XX/2017. I have had nothing but problems with coinbase.

Thier site is CONSTANTLY broken in most araes concerned with withdrawing money. No issues depositing money of course but good luck getting YOUR REAL MONEY off of their platform!

The newest SCAM coinbase is running is out of no where, restricting accounts. This wont allow for sells/buys meaning I have zero control over my REAL MONEY. My money is trapped and I want it ALL asap. XXXX $ I have TRIED contacting coinbases " support '' SEVERAL times both via email at coinbase.com/support and via the given telephone number. Ive gotten ZERO response from either. I called 5 times over 3 days holding a total of 72min. No answer EVER because there is nobody there to actually pick up. Sounds good and looks good but ZERO results or human contact. Coinbase uses a bot for their support who cant answer/solve my problem and refers me to the unanswered telephone number. Run around. 
I want my REAL MONEY at its highest earning level achieved ( XXXX $ ) off their platform ASAP. 
I want coinbase legally prosecuted and taken off the internet to STOP the scams they are running. 
Coinbase has over 193 NEGATIVE reviews on XXXX and only 11 positive. 
Where is the SEC, Consumer Protection Agency, Attorney General, ANYBODY getting paid by tax payers to prevent just this XXXX?
Dear Sir or Madam, I am filing a complaint about Coinbase. 

I withdrew XXXX EUR ( in words : XXXX XXXX XXXX XXXX XXXX euros ) from Coinbase to my verified XXXX XXXX account on XX/XX/XXXX. 

The website of Coinbase promised a transfer until XX/XX/XXXX. 

Until today ( XX/XX/XXXX ) I have not yet received the promised funds. I have formulated multiple support tickets and also called the customer service desk, were I have not received an update on my transfer status. The customer service always confirmed that the status is " pending '' and that the funds should have arrived long ago, but could not tell me when they will finally arrive. 

The reference code within Coinbase is XXXX. My bank account was verified, as I was able to send EUR to Coinbase with the same bank account. I have earned the money myself and do not have any criminal records ( in specific I have no record of any violation against anti money laundry regulations ). 

If you could help me to receive my desperately needed funds, I would greatly appreciate that. Thank you very much. Since I do not hear back from Coinbase, you are my last hope to receive the funds. 

Best regards
a personal loan company emailed me stating I could get a loan the company 's were fraud the company 's deposited mobile check deposits citibank wo n't help I have been hung up on at least four times I 'm XXXX and citibank did not due due digenge and check my signature card it was two companies XXXX XXXX and XXXX XXXX citibank wants to take my brothers. XXXX check how is he supposed eat or pay rent I have been with citibank since the 90s I expect better from this company and I expect a call a call back since the repesentinel wo n't help I 've contacted ftc aND did a preport I expect help and a call back at XXXX XXXX XXXX or XXXX asap
TRANSUNION is illegally and unlawfully reporting information on my credit file. I 'm asking for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have 30 days to responded to my request. I also need TRANSUNION to present a certified final forensic audit in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also need them to present these documents from the following vendors/creditors : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
while i was checking my credit score i found my score went down from XXXX to XXXX then i checked everything i found account from remex inc for debt collection {$75.00} i did not know for who i called them they did not give me enough information but they told me its from XXXX hospital, but that is wrong i have complaint against hospital for {$1200.00} and the hospital did not send me any statment for $ XXXXand also remex collection agency did send me any notice about that how they give themselves the right to report me and destory my credit becuse i complaint fraud XXXX hospital
I graduated from XXXX University back in XXXX, My degree was conferred in XXXX, My account was never updated until this year of me being a graduate, I have a lot of fees on my account and would like them to be removed so that I can get an apartment, they are not going to help with that.
I recently graduated from XXXX school on XX/XX/18 and prior to this I have been a student full time. As The XXXX   confirmed by the letter on XX/XX/2018 sent to me : XXXX, the In-School Deferment on your student loan ( s ) will expire on XX/XX/2018. Youre scheduled to start making monthly payments ON XX/XX/2018. 

So, I have the times is 30 days to finding the money in order to make payment? I thinking this Scheduled repayment is very great to me for ( ( Im starting my XXXX XXXX XXXX on XX/XX/18 ) ). 

But, I dont know why : *The AES asked me to make the payment {$430.00} ( Due by XX/XX/2018 ) while Im still a student full time. 
And *The AES asked me to make the payment {$660.00} ( Due by XX/XX/2018 ) At this time that I recently graduated from XXXX school on XX/XX/18. 
I am writing to request that the AES/ credit report be corrected to reflect that my co-signers ( XXXX ) and I am no longer delinquent.
I was charged over XXXX in overdraft fees on items that were not considered " insufficient funds ''. For instance, a debit is presented for payment at the bank and on the same day a deposit is also made. This bank " holds '' the deposit to allow the debit to go through first and then charge me {$35.00} per transaction. This is an ongoing, banking business practice used to fleece unwitting patrons such as myself. This common practice with banks is " business as usual '' to extract additional funds from the consumer and cause extreme financial difficulty.
On XX/XX/2018, an unauthorized hard inquiry by XXXX XXXX XXXX XXXX XXXX was reported on my Equifax credit report. I disputed this unauthorized inquiry on XX/XX/2018. I read the dispute results on XX/XX/2018, in which Equifax stated they would not remove the unauthorized inquiry from my report and that I need to contact the creditor if the inquiry was unauthorized. However, no contact information for XXXX XXXX XXXX XXXX XXXX was provided in the dispute results or on my credit report. 

I have no account or dealings whatsoever with XXXX XXXX XXXX, nor have I applied for any account or credit with XXXX XXXX XXXX at any point in my life.
The interest was XXXX apr. and would get paid down to around XXXX they would reloan and back to the full loan value which was XXXX plus their interest. We ended up paying it off the loan value paid was around XXXX. Which started out yo be XXXX. Was notified that the place could n't loan in the state of In. not for more than XXXX. Cashcall is the name of bussiness calling to try to collect money back. Then it went into XXXX, Then it went into XXXX XXXX then we got in with XXXX XXXX and made payment arrangements to pay it off thru them. It 's paid in full but XXXX say 's they need their money. What step can we do to get our money back. Thanks XXXX XXXX e-mail me with the answer or call XXXX and talk to XXXX XXXX which handles my finances.
I have  a   XXXX   XXXX   XXXX   hom e in  XXXX , CA and     XXXX     contracted with sub-servicer  AmeriNational  to handle my monthly payments. Due to job loss in   XX/XX/XXXX , I e nded up behind in payments. Back on track  in  XX/XX/XXXX , I re started making regular monthly payments - accepted without incident- until     XX/XX/XXXX / XX/XX/XXXX   when I received a letter from AmeriNational seeking a total of $ 23+K as an outstanding balance for one month  in  XX/XX/XXXX . I rep lied. We went back and forth. I asked for a loan modification. They sent an application. I completed it then returned it. They responded that they needed  by  XX/XX/XXXX  tax returns but a t that time I had not filed. In lieu, I sent in all the employment info/paystubs I had and when I did file  XX/XX/XXXX , I sent in copies. From there, everything went dormant for a couple months and no one from  AmeriNational  would tell me what they did with my app and why it was never processed. I filed a consumer complaint. The company 's rep responded online and said that they 'd resend another app " but it did n't mean I 'd get it ''. Never received it. I continued making monthly payments. They were received without incident. In   XX/XX/XXXX  , they sent that month 's payment back. Said they only wanted my defaulted payments. We went back and forth and I still sent in monthly payments. In   XX/XX/XXXX  , they retur ned  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  but not  XX/XX/XXXX .  Do n't know what happened to it. In the letter attached to those payments, they asked me to stop making payments all together. Shortly before this happened, they 'd referred me to HUD. I do n't have a HUD loan ...  .. H UD  's  site says " if your servicer asks you to stop payments that that 's illegal ''. I 've asked AmeriNat several times -in writing- if they partnered with any agency who can help me. I wrote to HUD. In their response, they indicated that my mortgage is n't FHA so I 'm not sure how AmeriNat categorizes it. I wrote them and asked what they did with all the other payments I 'd made. They wo n't say. They sent me a copy of a USPS receipt for mail they sent but my signature is n't on the form b/c I did n't receive anything. I told them this. No response. Along with that copy was a printout that I could n't even digest. They also wo n't say why they just wo n't move this defaulted amount to the end of my loan. I 've received letters from at least 4 different people in this company. At  one  point during  XX/XX/XXXX , they emailed that they 're no longer AmeriNational, they 're AmeriNat. This was after I wrote that I intended to report their activities to their executive  Board ( thos e identified on the AmeriNational website )  XX/XX/XXXX  says they do n't get involved. Just want to keep my home.
We have a mortgage with OCWEN Loan Servicing LLC . We got behind. Now its out of control. Received Pre-Forclosure Letter dated XXXX/XXXX/2017. I called spoke with XXXX ( since our assigned customer service rep was again unavailable ) We discussed the account, to do a repayment plan we needed to pay half of the arrears, plus late charges. The amount was {$3900.00}. It would require {$1900.00}. Which we did not have. I informed the csr that taxes were filed and due no later than XXXX XXXX, 2017. Without the {$1900.00} we would need to file a request for modification. At this time I was told Foreclosure had not started. I went to the web site and had issues getting to the forms. I made our payment of {$970.00} on XXXX/XXXX/2017. Then on XXXX XXXX, I called OCWEN back. I got a csr XXXX, the amount was now {$4900.00}. We discussed a 5 month repayment plan {$1000.00} down and payments of $ XXXX.Again no foreclosure in process. XXXX would put the paperwork for approval. On XXXX XXXX, I called back, and was connected with XXXX. XXXX informed the repayment plan could not be accepted since we were in active foreclosure. The amount in arrears is now {$5900.00}. In order to stop foreclosure proceedings we need to file a Modification Request. XXXX explained the process, we prefilled forms out and he would e-mail them to me. I have received the forms and its proving to be nightmare getting them out of PDF so we can fill them in/sign and return. As of today XXXX XXXX, 2017 we have not received anything in writing from OCWEN on the status of our mortgage. We did a modification 7 years ago after I lost my job. In the end, according to the paperwork we will owe a balloon payment at the end of our 30-year mortgage of {$180000.00} Which basically is where we started. I am so confused, We do not want a modification, but a repayment plan to get back on traack. We can not afford to loose this house. We do not have the funds to move 20+ years of stuff, nor time to do so, at this accelerated process.
My complaint is a personal complaint but has ramifications throughout the mortgage lending industry. I recently agreed to a 15 year mortgage@2.875 % a very good rate that has since moved higher. However, I now believe my bank, USAA, is intentionally slowing the closing process down. We were supposed to close XX/XX/XXXX. It has been rescheduled five times! The last two of which were canceled 10 minutes before the signing, as I was on my way to the meeting! However, this is not my complaint. I see a broader issue here where banks can extend people 's refinance dates in order to potentially earn extra income from the existing loan ( given they continue to hold the original loan. ) I have no recourse. I complain but ca n't be refunded for the two extra mortgage payments I have paid and the {$800.00} in higher interest I have had to pay. Industry wide this practices costs consumers significant sums of money. I would love to work on an industry panel or regulatory body to fix this issue. Possible solutions could be a limited timeframe to complete a loan after which the bank will pay the difference in interest owned. Thank you for your time, I hope this reaches someone who will help people without any power.
On XX/XX/XXXX and XX/XX/XXXX your bank made an inquiry on my account in which the inquiry wasn't removed from my Experian report as of yet. I did npt make this inquiry and I want this inquiry removed
I am filing a complaint against JP Morgan Chase in reference to my online XXXX XXXX XXXX transaction # XXXX processed through Chase.com in the amount of {$520.00} on SundayXX/XX/2017. The amount was debited from my chase checking account but was n't credited to the XXXX XXXX XXXX account for which was to be sent by mobile number ( XXXX ) XXXX. The funds were never received by the orher party. After I completed all the required information needed to send the funds, the receiving party received a text message from her banking institution, XXXX XXXX XXXX, confirming that the fund were being sent to her account with the confirmation # XXXX, however the money was n't credited to any of her accounts. Both the other party and myself has reached out to both Chase and XXXX XXXX XXXX to attempt to recover the funds and have had no success and have only been given a run around. I have already filed a claim with Chase to trace the the funds ( claim # XXXX ). That claim has been denied because Chase has determined that the funds have been credited to A XXXX XXXX XXXX ACCOUNT eventhough I 've made it clear that it was n't any of the accounts of the correct receiving party. After a visit to a branch and multiple calls to the claims department pleading my case finally, Chase made a courtesy recovery attempt to recover these funds. I was advised that although Chase was able to determine the account holder that incorrectly received the funds they are not able to recover those funds from XXXX XXXX XXXX. No reason was provided to me as to why XXXX XXXX XXXX will not comply with the claim filed by Chase. I do not feel it is appropriate for me to be out of a significant sum of money due to some data entry or accounting error on the part of either Chase or XXXX XXXX XXXX. My instructions on who to pay was correct as XXXX XXXX XXXX confirmed they identified the correct payee based on the telephone number I provided when processing the transaction. I ask, as a long time customer, that Chase return my funds as soon as possible and continue to work to resolve this issue with XXXX XXXX XXXX.I 've even made it clear to Chase that I 'm willing to fight this battle on my own if they would release the info needed for me to go against the incorrectly credited party.
Fee 's changed from last Loan Estimate disclosed to the Final Closing Disclosure at closing. I addressed this with my loan officer and processor but processor was rude and not very unresponsive and Loan Officer told me the fee 's where re-disclosed to us but they were not. 
Last LE disclosed to us on XXXX had : Final Inspection of {$100.00} in B section, Lender Credit of {$290.00}. 
Final CD at closing on XX/XX/XXXX had : An a .03 % charge for points in the amount of {$39.00}, Final Inspection charge was {$150.00}, Lender Credit of {$50.00}. 
Rate lock had to be extended because the processor did not work on the loan in an efficient time with the date we were supposed to close ( XX/XX/XXXX ). The loan officer told us she could do a free 10 day rate lock extension, that did not happen. Whenever they wanted any documents we would send them right away, so we were not the problem with the hold up for settlement and rate should not have needed to be extended if the bank would have done their job. Title was done, we had insurance, all we were waiting for was the bank. We had the worst experience and would not recommend this bank to anyone.
I had a credit card with USAA then they cancelled it. Acct no. XXXX was wondering what happened. Then I received a letter from Office of Personnel Management that my Identity had been breached, I have tried to contact them directly and through the Credit Bureau, But they say I owe some XXXX .... This is redicoulous
Equifax continues to violate the fair credit reporting act. 
Lien showing on my credit report does not belong to me and all other credit bureaus have since corrected except Equifax. 

They do nothing to confirm rather just use the electronic XXXX system and investigate it within 24 hours and leaves in on my credit report.
i found recently that is an account has been reported to my credit file and its not even belong to me, i contact with company to find out but i found poor respond from their end this account is not belong to me and its damage my financial life,