WillisBack/dataset-financial-user-claim huggingface dataset:
Today XX/XX/2015, I hired the services of Moneygram 's 10 minute money transfer, in order to send much needed {$200.00} to my father in XXXX XXXX, XXXX, XXXX XXXX, as he presented himself with all the required information and documentation in XXXX different Moneygram locations in his town of residence, XXXX of them simply failed to disperse the funds claiming that they did n't have enough cash to cover the {$200.00} and the third location being a XXXX XXXX XXXX refused to disperse the funds claiming that he would be required to hold an account with the bank in order to pickup the money. All XXXX previously mentioned situations have violated the contract in which I entered with Moneygram upon accepting the terms of service and subsequently using the service. After all the previously mentioned I called Moeygram customer service and they told me that they could not refund the funds to me since more than 30 minutes had gone by since the time of the transaction, and that the funds already where in XXXX XXXX, where they refused to give them to my father. After all this my father who was in dire need of this funds and does not own a car had to spend more than {$20.00} in a cab to go to another town to find a moneygram location that would give him what was his money. After the fact i contacted Moneygram by phone which after making me jump through several loops finally connected me to a supervisor, who refused to identify himself other than with his first name, and also refused to refund me with the service fees of {$9.00} that where charged to me which did n't even cover the expenses that my that had to incur in order to go to another town to pickup the funds. I find Moneygram to make false promises, not comply with the terms of their own contract, and to offer a deceptive service with horrible customer service. In my opinion Moneygram gets away with deception like this and then tell you " too bad '' because is a service used mostly by XXXX to send money to their families, which after there is a problem have the tendency to not file a complain, in order to keep a low profile which allows a company like such to violate the financial rights of XXXX people everyday.
This so called receivable performance Fraudulent, and Frivolous agency did not send an actual invoice like a monthly invoice of owed debits, I had no contracts with this Fraudulent agency, their validation is copying spread sheets on XXXX of other companies, no actual invoices, they sent an attachment of spread sheet copying channels of tv, it was not a statement, it was not an invoice from the actual company, they copied the XXXX XXXX XXXX logo and posted it on a letter that their scammer signed, he or she never realized how stupid he or she is. I had no contracts or signed agreements by me stating that I owe this scam frivolous fraud unheard off misleading scam artists. show me the validation of my signature to your frivolous so called collection company. I will be in the process to have my Attorney press charges in the Federal Court against them and collect punitive damages and Attorney fees and more.
I have been approved for a mortgage, through underwriting and everything else, with two separate lenders. Both lenders indicated a willingness to close two weeks prior to the scheduled closing date. I am now 72 hours from the original closing date, and still have not received disclosures from either lender. The title company has expressed grief at having to perform the calculations twice. They already pressured me to choose a mortgage before I even know the price. Good grief! 

Quick question : at what point should a consumer have the right to know the closing costs and monthly payment? How can a consumer comparison shop if disclosures are unavailable prior to closing? 

Another question : why are deadlines based on the closing date? It would better for consumers if deadlines were based on application dates. A consumer should know approved or disapproved status within 45 days of submitting an application. A mortgage should never ever be considered APPROVED until the consumer APPROVES it. A consumer would obviously need to know the price prior to approval. 

I ca n't believe 10 years later, and lenders still do n't have to disclose costs prior to closing. This process is ripe for misleading consumers, trapping them at the last minute. I guess some dirty tricks are just too profitable to stop.
I sent XXXX to someone with XXXX in XXXX, XXXX last XXXX XXXX, 2015 though my bank. It was international money transfer. I came to know that i sent it to him by my mistake. I had called XXXX several times to send it back to my account but they kept telling me to talk with him for his approval but i dont know him. I dont have or dont know his phone number. His bank told me to send an email to them what my problem was. so i emailed to them several times and they ignored me for a long time. I was angry. When i called the bank, i needed my money back asap and they said they cant do anything because they said i am not a XXXX customer and i must speak to the receiver. I was stuck and told his friends to communicate with him for me. He was so angry because he was not allowed to give me his phone number then he decided to close his account after he told his bank to transfer my money back. His friend notified me that my money was on way to my account but the fund was never wired for XXXX months!!! I even stopped by my bank about that many times so my bank contacted their wiring dept to request what happened to my fund and where it was. They found that my fund IS STILL AT XXXX ACCOUNT. My bank from XXXX different locations requested it to XXXX to wire it back to my account several times but XXXX refused to do it for no reason. Why?
In XXXX XXXX I helped my niece, XXXX XXXX, open an account at XXXX. After more than 15 years doing business in good faith with XXXX XXXX, in the year XXXX, the lender decided to write off the amount of {$1800.00} that she owed and hang it on my records at Experian. That person is not dead. She owns a home XXXX and is my understanding that, at this time, XXXX. 
Do I have to accept, as a cosigner that I was in XXXX, a write off debt in my records, if that person is still alive and well, owns a home, have bank account and can be easily reached by the lender? What do I have to do to get that debt, that is no mine, out of my records? 
I demand from Experian, to take that bad deb information off from my records and be aware that the debtor is XXXX XXXX, not me. I did no spend no even XXXX from that account.
Common Wealth Financial Systems claims that I owe them money for a medical debt and they have never sent me any letters or tried to contact me in anyway. They claim that they are collecting for XXXX. I do not have a contact with Common Wealth Financial Systems and only want to work with XXXX had never informed me that I owe them any money and I will pay any amount due directly to XXXX.
Our XXXX minor children have CD accounts with Bank of the West. The CDs are part of an inheritance that the children received from their paternal great grandfather. Per the requirement at the time the account was set up a custodial adult had to be part of the account. The only person in the Oregon area where the account was opened was a family friend of my husband 's XXXX parents. He agreed to be custodian and provide us with bank statements. However we have not been able to get bank statements for the past two years from the custodian and are concerned that something inappropriate may have happened to the account.

As the parents of the minor children on the account we can not get any information related to the account from the bank - such as the bank statements or account balances. We are unable to monitor to ensure the accounts are being handled appropriately. The most recent call we have made on this was to the contact center for Bank of the West and it was with XXXX ID # XXXX today, XXXX XXXX, 2017. She told us that there is nothing we can do to find out the balances or get a statement as we are not on the account and that we should speak to our children about the account. We explained that the children are XXXX and XXXX years old and we are just requesting a bank statement on their behalf. She told us we could not get any information on the account including the statements. 

We would like to put a family member on this account - if not my husband and I as the children 's parents - then at least my father ( the children 's grandparent ) as he has a vested interest in the account staying whole and being managed appropriately. The current custodian is a non-relative and we are having issues getting him to provide us with statements. 

We have not been able to get any assistance from the bank on either getting statements on behalf of our minor children or finding out which branch opened the accounts so we can add my father as a custodian to ensure the funds are not disbursed to anyone prior to our children 's 18th birthdays.
A payday loan from over 2 years ago from an illegal lender ( no lending license in Minnesota ) called XXXX has sold my contact information to various companies trying to extract a payment from me when I owe nothing more on this former loan. The latest company is called TrueAccord calls from XXXX, XXXX and then text me from XXXX asking me to click onto a link and make a large payment and have called me as well. I do not owe XXXX anything as they are illegal in Minnesota and I do not have to pay anything more than I already paid them 2 years ago. They are saying I suddenly owe a debt of {$1000.00} and that is absolutely not true. They are an unlicensed lender for Minnesota residents. I have had this same sort of call and threat from multiple debt collecters or scammers on behalf of XXXX many times in the last two years and have also filed complaints with the MN attorney general and the minnesota dept of commerce.
The Transunion online dispute system NEVER works. I have had occasion to dispute items twice in the last 3 or 4 years, or correct erroneous information. Transunion is always the most difficult to deal with since they do not apparently automate the process.
Rush card has not been letting me access my money since XXXX XXXX, 2015. My direct deposits have been delayed and I am unable to reach anyone from customer service. I am unable to get to work or get my children to school. Once again for the 2nd week I am unable to access my money.
I have been working with Ocwen for what feels like years in regards to options for foreclosure. I have been forced to file bankruptcy on several occasions and yet Ocwen is continuing to give me the run around and asking for more and more documents every time I get closer to resolution. It 's as if this is all just a game and my homeowner bill of rights are being violated left and right. I have no assigned point of contact and I have a sale coming up with no options.
While reviewing my personal checking account through BB & T I noticed an electronic check processing to XXXX ( XXXX XXXX ) and in the from section it had an unknown individual ( s ) from XXXX, VA and the account number on the electronic check was not mine. I have accounts payable to XXXX but they are not in this amount so I called BB & T and XXXX in the corporate office began looking into the matter. While I was on hold for several minutes I called my wife who is a joint owner of the account to bring her up to speed. After approx XXXX min. the BB & T associate came back on the phone and stated that he had begun an investigation into the matter. That the funds would be returned to my account by the next business day and the bank would cover any overdraft items. He inquired if I had any outstanding payments that would be affected by this debit and my response was not to my knowledge however I have taken the time out of my day to audit my account find your employers huge error, missed time at work, my wife 's missed time at work and the matter of distress that this has caused me and my wife to think that a banking institution can have an unk glitch in their system that indiscriminately takes money from one customer and pays the federal debt of another is a major problem and all my bank offers me is an apology???? But if I make an error you bang my account for an XXXX overdraft fee!!!! Unbelievable
Choice recovery inc. is attempting to collect a debt in the amount of {$320.00} from XX/XX/2016 that I do not owe because I had insurance through Medicaid/ caresource at the time that covered 100 percent of my medical expenses and have had the same insurance since then to present day. This is severely negatively impacting my credit and has been for some time and I want it removed from my credit report immediately as I know that this debt was paid. I intend to prove this by attaching a copy of my insurance card so that this can be confirmed
I wanted to sort out a bill that I had with a hotel that I stayed in During XX/XX/XXXX. There was about a XXXX dollar discrepancy with the total costs, this turned in to overdraft charges are lot of falsified information that should have never been presented to me about my initial dispute. The dispute was handled poorly and to make matters worse, the entire customer service term treated me like XXXX. They eventually would just leave me online- during out chats, they would never be consistent on information that had a clear yes or no answer- it was n't until I contacted their HQ to explain my concerns, that the situation started turning around. To make matters worse, I was getting charged on specific fees that I had called in days before to warn DFS- that the COMPANY IS BOGUS. 

FURTHERMORE, I DO NOT Beleive that I was ever notified by DFS that during months where i was not using the CC, that NO STATEMENT WHATSOEVER, NO RECORD of ANYTHING not even an online PDF notating the month of inactivity would be created. I found this to be UNHEARD OF THEM. THe reason why this is ALSO A PROBLEM is bc I BELIEVE THAT THIS GOES AGAINST CERTAIN FDA Regulations and I am hoping to get this situation investigated. 

My Desired Solution- DUE TO ALL THE OF FASLE INFO PROVIDED TO ME, and HOW Representatives lied to, telling me to " just obtain -- -- -- '' and we can take it from there, but DO IT IN 3 DAYS, was the most stressful catalyst that did not serve any purpose. Just another misinformed employee, giving me falsified information and basically HOMEWORK. 

I do not wish to pay for this particular dispute, because it has caused so much HEADACHE and has been so time consuming- most of the time because nobody I spoke with really had any idea on the matter, until I FINALLY spoke to a billing manager, AFTER I went on my wild goose chase, and SHE hung up the phone on me. 

I could n't believe what was happening to me, essentially I just wanted to inquire about a charge that was off by max XXXX dollars, somehow I ended up talking to the rep about my issue might being worth JUST DISPUTING THE ENTIRE CHARGE. That idea never even came to my mind. 

ICING ON THE CAKE- Many automated voice messaging systems say that your call might be monitored or record- GUESS WHAT? MY WAS FULLY MONITORED by a MANAGER, as some kind of TEST for a SUPERVISOR OF HIS. 

So on top of telling me some very BAD ADVICE THAT THE SHOULD NOT HAVE DONE, they then treated me like I was subhuman, AND TO MAKE SURE I KNEW they THOUGHT I WAS SUBHUMAN- I BECAME A TEST FOR ONE OF THEIR EMPLOYEES TO TAKE DURING HIS SHIFT. 


I have names, employee numbers, everything and I am beyond happy to share every detail of INSANE this situation was. DFS BLOCKED ON TWITTER when they claimed to be responsive 24/7. I CAN GO ON AND ON about why I am so UNHAPPY with a CC company that I HAVE BEEN WITH SINCE I WAS SEVENTEEN- I am XXXX NOW. 


STILL CANT BELIEVE THIS.
My name is XXXX XXXX. XXXX XXXX, I graduated with a XXXX Degree in XXXX XXXX XXXX XXXX. My school promoted something that they never delivered. That was the promise of a job after graduating. Unfortunately when I was into the program the Dean was demoted and the staff did not care about the students. There were no XXXX programs and the staff did not help me find an XXXX. The upshot is that I am earning a low income. I have made a good faith effort to repay my loan at a monthly rate I could afford. Going back to when Navient was XXXX XXXX I had been mislead and hurried by unprofessional and dishonest XXXX XXXX reps. They have obscured information on my payment options. I do n't have the exact dates regarding the grievence I am going to address. However, I would be happy to give my account number to track them. This was around three years ago. I had trouble paying the {$110.00} on my loan. I asked the Navient Rep to defer the loan a couple of months. Instead he aggressively pushed me into a loan where I pay {$64.00} for two years and that it will go up. He stated that this was the best plan and that there were other opportunities to keep a monthly payment after this period. This was totally dishonest. He obscured information on interest only payment which would of been less than a {$100.00} a month at the time. Instead after two years my interest with principle skyrocketed. Last XXXX I called Navient. My monthly payment went up to over {$200.00} that makes it impossible to repay this loan in good will. Now I am in a position where I have to defer my loan because Navient 's information resulted in higher monthly payments with interest. I am in an economic hardship position. My annual XXXX income was around {$27000.00}. My cost of living bills include leasing a car for transportation, rent that keeps rising, car insurance, credit card, medical insurance, electric, phone, food, and dental.
I reached out to Capital One in order to request a good will deletion on 2 separate accounts that I have paid off after Charge off. After being Denied I pulled my credit report to do some investigating. I noticed that while one account was listed as Current on my XXXX report It was reporting as a charge off to XXXX. The Time frame for this was XXXX XXXX XXXX. After writing in about the incorrect reporting Capital One claimed they were reporting correctly but that they could not provide me with actual documentation from the Bureaus stating that the accounts were reporting correctly. I had to call in multiple times trying to receive a resolution to no avail.
This is for an XXXX store card through Synchrony Bank. I recently moved and applied for a new card to take advantage of the 5 percent off purchases. I was able to use the card online for about a week. The card was then turned off but the account remained open. I received a letter in the mail from the fraud department with a code from Synchrony saying to call them. I called them and went through a verification process and was told everything was fine. The card worked for 1 week then was not working anymore. 

I called back a second time and was told that no record of a previous call was on file. They attempted to verify and said my information on file is different and they will have to mail me a letter with a code to verify me. This letter never came so I called back. I verified my address and was told my current address is what they have on file. They said I just need to wait for the letter. Another week passes and still no letter so I call again. 

This time I spoke to XXXX who is the fraud manager. She verified my address and promised to send me a statement so I can see the charges to make a payment. I needed to make a payment and they would take money over the phone but refused to allow me to know what is on the account since they can not verify me. After going back and forth with XXXX I talked to a nice guy at customer service who did go over some charges and I made a payment so I do not incur late payment fees or interest. I then wait for the paperwork XXXX promised. 
About 2 weeks go by and I receive several letters in the mail that were forwarded from my old address to my new one. This old address was verified by Synchrony not to be on file and I was promised several times that items were mailed to my current address. I did receive a copy of a statement at this time. 
I called back to let them know I received the letters at the wrong address today. I spoke to XXXX who is another fraud manager id number XXXX and she did not care. She said she has to verify me or I can not even talk to them about anything. I told her that the information they have is wrong and the last 10 times someone has gone through the same script they said I can not be verified. I told her I wanted to close the account and given a final statement to pay the bill. She said she can not do that unless I mail them by postal mail a number of personal information items. I told her that I was just interested in closing the account again and she explained that if I do not send those items in then there is nothing she can do. I explained that they are required to at least provide a statement of charges so I can pay. She said that without that information they will not provide a statement, the amount due or any information on the account. I explained I can incur late charges if I miss the due date or amount due coming up soon. She said that information is only available once I go through the verification process. I explained how I went through it previously and she did not respond and just spoke the same statement. I really need help. These people do not care at all and might mess up my credit which has zero late payments and in good standing.
I 've been attempting to enroll my wife in the free Equifax/TrustedID credit monitoring program for the last XXXX weeks. 

After submitting the initial data for the enrollment she received an email with a link to continue her enrollment. When she attempted to use the link it indicated that she 'may ' have already enrolled and to just log in. Login was not possible because a password was never generated and/or received. 

I called the customer service number and the agent enrolled her over the phone and said she would receive an email to sign in and get a password. No email was ever received. I attempted to request a new password with the 'forgot my password ' link but no response was received. 

A second call to customer service confirmed she was enrolled and suggested trying the 'forgot password ' ; when I told her we had tried that several times with no response she gave me another number. I 've been on hold to that number for XXXX now. 

The recorded message suggests logging in to help.equifax.com to 'chat ' with a CSR.  There is no 'chat ' function to be found on that or any other equifax pages.
I'm the first time car buyer. When I have bought a vehicle through the dealer, I was not aware of some terms. Now I find out that I was as cheated on the loan with Santander consumer usa. Also there is no change in the loan amount at all on my credit report. I'm making payments since XX/XX/2015..
XXXX XXXX sold my loan to BSI Financial and I am trying to pay off my loan. I can not get anyone at BSI to cooperate. My new loan is now stalled awaiting their reply to my repeated requests for a payoff of this loan