WillisBack/dataset-financial-user-claim huggingface dataset:
One Main Financial took  an automatic payment from my bank account and enrolled me into the ir Direct Pay pro gram. I never signed up this at any time and even made my standard payment to them a few days before my payment due date. I spoke and emailed the branch on Friday, the  XXXX  and told them they made an Unauthorized payment. Today, on  XXXX , I called the branch to inquire on the status of my returned payment. They told me they needed a copy of my bank statement showing me that they Debited the payment. I thought this was intrusive and quite inconvenient. I Never at any time signed up for automatic payments and now I am being inconvenienced because o f One Main  's error.
My mortgage is with Wells Fargo Home Mortgage ( WFHM ), Loan number XXXX. I have been trying to take advantage of the government programs to reduce my mortgage interest rate since XXXX XXXX and have received a run around from WFHM because I had temporary employment and unemployment income. XXXX XXXX I received a permanent job back in the federal government. I informed WFHM the moment I was accepted for the job but was required to present a letter of acceptance and income amount to prove I had a job, which I did. Then I was required wait and fax a copy of my paystub. I faxed copies of my paystub starting in XXXX. I was set up for a modification with 3 payments to be made in XXXX, XXXX and XXXX of XXXX. At that time I was told my interest rate would be XXXX. WFHM changed my Home Preservation Specialist and I was ignored there after until I started calling and complaining. I called every month since last XXXX. In XXXX my complaint to WFHM was excalated because their Title Department was saying that I had a lien against me that was holding up my paperwork. That was not true and I had to call the State of Ohio to obtain information and literally do the Title Departments job for them by printing and faxing the paperwork to WFHM that the the Attorney General 's office required to be completed to verify that there were no liens against me. The Attorney General 's office could not provide information to me to give to WFHM. I spoke with a young lady named XXXX who guided me to the website to obtain the forms to be completed. WFHM needed to contact the Attorney General 's office themselves which they refused to do. Everyone that I spoke to at WFHM on 3 different levels told me that it was my responsibility to clear up the lien issue and prove that the information for a XXXX XXXX was not me. Now after 10 months I finally received paperwork that has an interest rate of XXXX. I was told by XXXX XXXX that nothing would change from the initiation of this modification. It was approved with the initiation of the 3 trial payments and as long as I made those payments on time as required, the modification would be finalized as stated at the 3.385 interest rate. I have been struggling trying to get WFHM to work with me for two yeays, long before I ever got behind in my mortgage and have gotten a run around. Now they are changing rates on me and I want this to stop.
I had a personal business matter with US Bank exposed to XXXX of my co-workers and possibly several others. Where I work we are very busy company with hundreds of employees and millions of customers. I was assisting a customer, when another co-worker came to me to ask me if I drove a XXXX and descried my vehicle to the XXXX At which time I stated yes, thinking someone had hit my vehicle once again in the parking lot. She then proceeds to inform me that my vehicle was being towed. I was in a state of confusion because I did n't understand why my vehicle was being towed and had no way to disconnect with my customer that I was assisting. Another co-worker happened to be going on a break and went outside at the same time my vehicle was being towed. She asked the tow truck driver if it was okay for me to retrieve some of my personal belongings because I was with a customer and had no clue as to why my vehicle was being towed. The driver informed her that he had no problem allowing me to retrieve my belongings. This is where the conversation should have ended. However, he then took it upon himself to disclose the fact that the reason why my vehicle was being towed was because I was behind XXXX months on my note per US Bank and at their request. This information should have NEVER been disclosed. My co-worker never asked why it was being towed. She only stated that she knew who the vehicle belonged to and if it would be okay for her to come get me so that I could retrieve some of my personal belongings in the vehicle. I am a student and go to school at night. Therefore, I needed to get my school bag and scrubs out of my vehicle. I work a full time job from XXXX and attend XXXX from XXXX too. I have been COMPLETELY EMBARASSED in front of my entire facility and the people I work with. This situation should have never happened in the first place. I was in contact with the lender, whos agent supposedly duly notated my account, due to my personal bank account being stolen and another private matter, I made arrangements to rectify this situation as soon as financially possible ( because I get paid at the end of the month ) and was informed that my vehicle would not be in danger of being repossessed. This was clearly all XXXX big lie. On top of all of that, in good faith, I made a payment XXXX days after speaking with this agent even though the agreement was for the end of the month. Lesson learned her is always make sure what is communicated between an agent and consumer is actually properly notated on your accounts and never put faith or trust behind a persons words because that is all they are, just words.
Back in XX/XX/XXXX2015 my Chase credit card was compromised. I made several attempts to contact Chase but due to very long holds ( over 10 minutes each time ) i was forced to use the online platform. I informed Chase my account has been compromised and to close the existing account immediately and would make another attempt to contact them via phone. After more unsuccessful attempts I emailed Chase again a few hours later clarifying what happened and to resubmit me a new account with a new account number. Here is what followed : -Chase refused to provide me with a new account, this decision was made well prior to completion of investigation, violating our contract. 
- Chase provided untruth statements and without proper authorization submitted a brand new credit application. XXXX Chase has since acknowledged wrongdoing and removed the credit inquiry XXXX -I put Chase on notice via USPS and direct email correspondence payments would no longer be made until this account was rightfully resolved in compliance with our credit card agreement. 
- Further, I warned Chase about reporting inaccurate information to the credit bureaus concerning this account. 
- In spite of my clear communications Chase has reported this account as late to the credit bureaus. 
Due to Chase 's continued disregard for the law along with their reckless and deliberate violations the following damages have taken place. 
-My auto insurance increased XXXX monthly. 
- I have been denied a mortgage therefore unable to purchase a home- I have been denied credit- Most severely, I had a work promotion taken away by my employer XXXX XXXX after only two weeks of earning it. The promotion had entrusted me with personal and sensitive information of XXXX Michigan residence. The promotion also came with a monthly salary XXXX higher than what I was currently making. 
Next week I intend to file a lawsuit and will keep you posted.
XXXX calls my family members repeatedly including my adult children. They call my phone number seven times a day while I am at work. I've emailed and explained that my husband had back XXXX then XXXX XXXX and is unable to work. I've explained that our income has been cut more than half and that as soon as we can pay something we will pay something.
On Wednesday, XX/XX/18 I opted to utilize two balance transfer checks to take advantage of an intro APR. One check for {$5000.00} deposited to XXXX and one check for {$1200.00} deposited to XXXX. This was within my credit limit including the transfer fee. 

On Thursday, XX/XX/18 I received a call from the fraud department to verify the activity at XXXX. I called back at XXXX and was on hold for 55 minutes before speaking to someone who told me that the fraud department is already closed. Not to mention that the voicemail I have said that I can reach them 24 hours a day, 7 days a week. 

I tried to call back this morning, Friday, at XX/XX/18 and could not get through. The check I wrote to XXXX has already been returned and will make me incur fees. I called the executive office and the operator is unavailable and the mailbox is full so it doesn't accept voicemails. 

I finally went to a branch to prove identity and my Drivers License with current address is not enough, they want a copy of my lease. I am willing to do that but now they said they don't handle placing the funds back into the other banks or handle fees by other banks. I asked the service rep if they can ACH the funds back to XXXX and she had to ask her manager because she did not know what ACH is ... I've been in banking for 20 years. This is completely unacceptable. 

I've attached a screenshot of the transcript from the voicemail left on my phone which states that I can reach them 24/7 and also has the time they called me.
send XXXX on XX/XX/XXXX # XXXX received reply on XX/XX/XXXX Company 's Response on XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX has reviewed the information provided by XXXX XXXX, as well as the information associated with XXXX reference # XXXX. The debt was assigned on XX/XX/XXXX by the original creditor, XXXX XXXX XXXX , XXXX The debt was assigned with a principal balance of {$670.00}. Allowable statutory interest has accrued on the debt, in the amount of {$88.00}. The current balance as of the date of this response is {$760.00}. XXXX sent a debt notice to XXXX XXXX on or about XX/XX/XXXX at her last known address on XXXX XXXX. XXXX did not receive the notice returned as undeliverable. XXXX has attached the document provided by the original creditor to support this debt. If XXXX XXXX would like to discuss this account in detail she may contact XXXX 's manager XXXX directly, during normal business hours. send new reply on XX/XX/XXXX # XXXX after there reply : OUR COMPLAINT I send a report with cfpb on XX/XX/XXXX, and received a reply from the company on XX/XX/XXXX. In the reply said the amount owe and a copy of the bill. I don't remember if this is one of the companies I went to, because the dr 's was changing me to diffent places to get my medicine. I didn't see a contract or ect, just the bill. But XXXX claim that they sent a letter to me on or before XX/XX/XXXX to my XXXX address and they never received it back, so claim that I received it. Well I never received anything at no time and nothing after the month 's they claim they mail me one. which I think the company did not send me any letters in which they claim, and never came back to them. so it's my word against their, how can I proved it, that they give me notice to disputed the collection. I have a mail center that records every mail that come in on my account. I got a copy for XX/XX/XXXX to XX/XX/XXXX showing no mail from there company never showed up at my XXXX  address. The mail center is XXXX XXXX XXXX in XXXX XXXX, Nv XXXX XXXX ************ this company only send me a copy of a bill, no contract or ect**************
I am disputing account number XXXXXXXX with XXXX for an amount of {$290.00} because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
I bought couple of prepaid cards at XXXX in XXXX, TX around XX/XX/2015. When I checked the balance couple of days later I found unauthorized charges on these cards. Someone had called and registered those cards in their name and made few online purchases. 

I called issuing bank on XX/XX/2015, they said they will send an affidavit for me sign so they can start investigation. I was told the affidavit would arrive in XXXX days, but it never came. I called again on XX/XX/XXXX, they took a fresh complaint and said the affidavit would arrive in XXXX days. Again no affidavit. I called again and again and again ... .. Finally affidavit arrived on XX/XX/XXXX!. I filled and faxed it the same day. No response from them so far. 

My funds are stuck for XXXX days. BTW, the issuing bank is U.S. Bank and the card type is Master Card ( Gold colored ). This is what they told me : certain prepaid gift cards in similar situations would first refund the money to the consumer and then they do their investigation, but not with this card. So, stay away from these type of cards ( US Bank National Association issued Master Card gold colored prepaid card ).
Want to transfer money from Bank of America / XXXX.to XXXX. Completed paper work. And medallion signature. Money still not transferred. XXXX had paperwork for almost 2 weeks. Called XXXX XXXX VP in XXXX and lleft messages to call me back and has not done so. If on vacation message did not indicate that or to be referred to another person.
EquiFax just had all its data ( 1.43M people impacted ) bleached to the hackers. Now the hackers have all the critical information needed to open accounts, apply for mortgages/loans, and so on and so forth. This caused me tremendous trouble and inconvenience. Yet the CEO of EquiFax only issued a light-hearted annoucement, trying to downplay the impact of this devastating disaster. What is more, the top executives sold their stocks before this was reported to the public, which is a typical example of inside-trading. I would like EquiFax executives to compensate our losses.
Ebay incorrectly thought there was " unauthorized use of " my '' account '' They wanted me to change all private information. They said they were going to remove all listing ( attached ) .some items were already sold and paid for. I called and told them there was not a problem. do not delist items. The next day I relisted items. They delisted those new items as well. The end result was that Ebay asked payPa for Money Matching the items sold. Paypal Gave them the money. They said they had to and neither company wants to refund money.l
I am unable to make my payment until the middle of next month. When XXXX called me she said that I needed to pay now and that waiting until next month was unacceptable. We lost connection and she called me back and left a voicemail stating that we need to handle this like adults! Really, I called and tried to make arrangements as an adult to get an extension and this lady wants to tell me how to adult! In my opinion XXXX is very unprofessional and needs to have some training done on how to react to customers!
I turned my leased vehicle in and was told I owed nothing. Shortly after, I began to recieve phone calls during my work hours about my account. I asked the representatives to call me at a time more convenient for me to discus but those calls never came. I then recieve a statement while I was out of town for business. Indicating that if I did not pay a delinquency would be reported toy credit. Before I had a chance to resolve the balance a delinquency was reported. This is now affectiving my work because I am required to maintain certain licensing that had credit requirements. I am also in the process of purchasing a home and this has had an adverse affect of that process. I called XXXX and explained my situation to them. I requested that they remove the late payment and offered to pay the bill in full immediately. I was told they could not help me and I was told by an agent that they tried calling me several times and I was hanging up on them ( which is not true ). I was able to escalate to a supervisor who offered no help. He said it's my responsibility to pay the bill and that he would do nothing.
Over 2 years ago, this account began incorrectly reporting a 30 day late and more recently, it was incorrectly charged a fee, for not having auto insurance on file after I had demonstrated proof of coverage. After providing the new insurance information, I was assured the overage would be credited to my account and ALL fees, incorrectly charged, would be waived. I was recently denied a mortgage and upon pulling my report I noticed that my score has dropped drastically, due to 26 months of this account reporting as 30 days late.
I was served and went to court on for a credit card debt and I was garnished. The issue is it is my understanding when I went to court I disputed that the debt was too old or that there was credit protection on this account, I am still not sure if it was from Providian or Bank XXXX. I am sure that I did not own $ XXXX. I have been garnished and I did not work the majority of last year being I was treating for XXXX XXXX. I am a senior and I do not know when I am returning to work but I would like to have this off of my credit report.
I have this account on my credit report which I have no knowledge of. I was in military XXXX the whole time. Please help me dispute it. Thank you.
This is a duplicate complaint from XXXX. However, I made a separate complaint that was erroneously combined with Transworld. Within a few hours, TransWorld responded. However, my issues were separate on the same matter. Transworld did not answer my questions either but I wanted them kept separate so that younomics would respond. I need a response from Younomics. Hence I am resubmitting the complaint as this derailed that process : Have attempted to contact younomics regarding details on my loan and potential involvement in privacy violations. After the CFPB [ Case number : XXXX ]. I was informed that my loans were subject to a security interest at XXXX XXXX. This was not apart of the original documents. The loans holders had changed a number of times. Due to privacy violations etc I was experiencing not sure if this had something to do with it. As it was not interest on a loan and there could very well be security issues. Either way, I believe they were being used by others to facilitate privacy violations. Upon following up with Younomics. They had no information from this complaint, while it was listed that younomics is the company complained against XXXX XXXX XXXX handled the complaint. What I found disconcerting is that Younomics had zero information. They could not answer my questions about anything. They could not produce any documents and could not produce any info. Furthermore, they would not answer questions about who their management team or ownership structure was ( including historically ). While XXXX XXXX was a surprise, that could be either a interest on a loan or a security interest that means there is underlying security issues which would fit my own concerns. I do n't know. When my questions are n't being answered, that 's a problem. I made a complaint regarding XXXX XXXX to XXXX. However, with younomics. They ultimately contacted university accounting service who then put my account in do not contact status. The issue is, I believe these things are being used by others in an adverse way or have been. I ca n't gain any details on the company. It 's not clear who owns them, who manages them and what laws prohibit them providing me this info. Furthermore, it 's not clear how my information being handled as they had access to none of it. I made a complaint concurrently to the NY Department of financial institutions but I do n't know if they did anything? It 's number is XXXX
I DO NOT KNOW WHO : CENTRAL CREDIT SERVICE ACCT XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX, FL XXXX I CALLD BUT SOME MALE FROM SOME XXXX PICKED UP TRYING TO ASK FOR MY PERSONAL INFO. 

THIS IS A HUGE SCAM!!!!!!!!
For the second straight year I have been put into an  IBR pl an as that seemed like the best  option. While I was able to sustain the amount from last year ( about {$380.00} I think ),  when it increased to {$410.00} for the second year it got really hard. As a result I have missed my monthly installment twice now and am currently du  e for two payments for this month.
I called Navient on   the way to work this morning and asked for some assistance and the lady I spoke to  XXXX  pretty much told me there 's nothing else they can offer me. I questioned them about the lawsuit against them by the CFPB and she pointed me to their website of navient.comacts which seems to explain their side of the suit.     The only plan they could put me in is a revised payment plan which would bring my payments down to {$350.00} a month but in order for that to happen I 'd have to mak e a one tim e level up payment of about {$1300.00} to bring me current.     I told  XXXX  that I ca n't afford my {$410.00} payment so what made her think that I could afford a one time level up payment.     She pretty much ended the call saying they 're nothing else they can offer me and I currently have no resolution.     The problem I face is the terms of my student loan require to base my payments on the combined income of my wife and I and we have several financial obligations include family support to account for.     I want to pay my student loans until such time the lawsuit makes a determination, but I ca n't afford the amounts they are quoting me. I do n't understand why I ca n't pay them $  XXXX  {$250.00} a month as it 's better to pay something than nothing.     I need some help as I clearly can not get through to th em. Navient truly is h orrible with their customer service and it 's clear as to why they are being sued by the CFPB. I hope they get it in the end and realize that a servicer they should be helping their customers not hindering him.
I have a secondary holder on my JC Penny card account and they will no longer allow her to pay the bill in stores on my account. She is XXXX years old and used to be able to take a cab to XXXX to pay the bill in person. They are now refusing to allow her to pay the bill although she was listed as the secondary card holder. She even asked to speak with a supervisor the last time and they still refused. This has now resulted in two recent late payments. One in XXXX and one this month. Why wont they take her money anymore? This is causing an undue hardship on her and me as it affects my credit as she is just a secondary holder on the card.