WillisBack/dataset-financial-user-claim huggingface dataset:
I took out an online loan with AVANT in the amount of XXXX simple interest being charged at 35.9 %. I live in the state XXXX. Avant later posted rates for the state with similar score and profile as mine in the amount of 29 %. I requested information from AVANT on how my rate was determined. The request was made by phone. I made a second request, and subsequently a third request. I was told it would take 45 days to respond. I called on several occasions and asked to speak to a supervisor. I did not receive a call back and AVANT sent me a response after the 3rd request over 60 days later regarding an answer to my question, how was my rate determine. The answer by AVANT referred only to it is determined by the computer system. I re-applied for a refinance to lower the rate recently with AVANT. My credit profile is stronger, my debt lower, and my payment history has been excellent the past 6 years. In order to refinance, AVANT states you have to take out an additional {$1000.00} above the current amount of your outstanding loan. I was denied the ability to refinance to the lower rate. Again, rates posted are lower than the rate I was given. Avant does n't respond to the borrower 's, effectively nor timely. The underwriting process to determine rates is not systematic and fair.
I had initially made two purchases with Coinbase on XX/XX/XXXX ( {$650.00} ) and XX/XX/XXXX ( {$150.00} ), were charged almost immedietly, and had money in my service with them following. Today, XX/XX/XXXX, I was charged these two amounts again as well as international fees of {$1.00} and {$5.00}. These unexpected charges caused my bank to overdraft my account causing me to lose money in overdraft fees. When attempting to contact Coinbase there was no clear way to talk to someone about the issue, I spent more time looking for someone to give me any answers than I did finding actual answers.
Opened arrival plus account back in XX/XX/XXXX with XXXX score and XXXX figure income I was originally given a XXXX limit which I could n't understand so I asked for XXXX. I was declined for the XXXX so I apped for XXXX more Barclay cards both were approved for XXXX a piece. After using arrival plus for couple weeks I received a call stating a needed to go into bank and do a cash advance in order to verify my identity which was done on XXXX since then I have had maybe XXXX security verifications done asking public record information which I have always been able to provide without issue I added Au to my account and there was a security freeze placed. I asked to speak to supervisor and the csr have refused to put a sup on line and now have frozen my account until I MAIL in my ID front and back is this not XX/XX/XXXX XXXX near XXXX why is it that they will not accept email or fax yet they can accept over XXXX in payments? I am beyond frustrated with the back and forth with them! They made me do cash advance to verify my identity and I was charged {$50.00} I want a refund and investigation of why I have been mislead and mistreated
In XX/XX/XXXX I was the victim of identify thief. Upon pulling my credit report and discovering all list of unauthorized inquires and accounts, I immediately contacted the credit reporting agent to place a freeze on my credit file. On XX/XX/XXXX I sent the reporting agency a certified copy of the identify thief police report, a copy of ID, social security card and a list of the fraudulent items in question. Despite my efforts, the credit reporting agency continues to send letters stating that I must contact each company individually. As a consumer faced with restoring my life after identify thief this is a very disheartening situation. Equifax continues to violate my rights under the Fair Credit Reporting Act, by reporting information on my credit report that are fraudulent, inaccurate and not authorized. Due to their reporting negligence, this is ruining my life!
XXXX 2015 I paid my account through a credit card in good faith. A year later I get a phone call from Conn 's Home Plus customer service telling me that I have a past due balance. I was puzzled and explained to the agent that I had paid off account. They stated they had no record of me calling to get a pay off balance. That is correct. When I logged onto my account online it gave a pay off balance and that 's what I gave the other creditor. Nowhere online did it state I needed to call to get a pay off balance.
XXXX XXXX XXXX reports an incorrect debt collection to the Credit Reporting Agencies ( CRAs ) with an open date of XXXX XXXX, XXXX. This is an invalid debt collection, and an invalid date, and it needs to be removed from my credit reports immediately. 

I have tried to resolve this issue with XXXX XXXX multiple times via phone calls ( XXXX XXXX, XXXX XXXX, XXXX XXXX ), emails ( XXXX XXXX, XXXX and XXXX XXXX, XXXX ), and written letters ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ). XXXX XXXX continuing to report this inaccurate debt collection has directly led to me being denied for credit cards ( XXXX XXXX ), auto loans ( XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ), and has increased car insurance quotes ( XXXX XXXX, XXXX ). 

XXXX XXXX claims that I was refunded {$350.00} on XXXX/XXXX/XXXX and another {$350.00} on XXXX/XXXX/XXXX. I refuted this claim by sending XXXX XXXX my XXXX and XXXX bank account statements proving that 1 ) there was a {$350.00} withdraw from XXXX XXXX and 2 ) I never received the {$350.00} in return to my bank account on or around XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. In addition, XXXX XXXX XXXX claims that I received receipts for two separate {$350.00} returns on XXXX/XXXX/XXXX. I again supplied XXXX XXXX XXXX with my XXXX bank account statement proving once again that I never received these returns on or around XXXX/XXXX/XXXX. 

Lastly, XXXX XXXX XXXX also inaccurately reports the date this inaccurate collection. They claim a date of XXXX XXXX, XXXX. The last instance I was even at XXXX XXXX was XXXX/XXXX/XXXX. That is 13 months earlier than the date they are reporting to the CRAs. 

In addition, I have tried resolving this with XXXX, XXXX, and TransUnion. I have sent all three CRAs my bank statements clearly proving that this XXXX XXXX debt collection is completely inaccurate and needs to be removed IMMEDIATELY from all of my credit reports. 

Attached you will find screenshots of my bank statements proving that I absolutely paid the {$350.00} and a definitely NEVER received a {$350.00}. XXXX XXXX XXXX debt collection needs to be removed from my Credit Reports immediately.
Hello. I had a mortgage with Loan Depot for over 2.5 years. I have refinanced and the loan was paid off by my current lender. However, my bank sent one more mortgage payment, after the loan was paid off and Loan Depot received the money. Here is the transmission information : XXXX, and the confirmation number is XXXX. However, Loan Depot is telling me they do not have the money and they are not refunding XXXX which my bank paid on XXXX/XXXX/17. I have not been able to get anyone at Loan Depot to check into this and get me my money back. I have a ton of correspondence and I called, at no avail. Loan Depot is not entitled to this money and they need to return it to my account.
There was a lawsuit against the school that I attended and they are closing the school down as a result. I was paying my loans at the minimum that I can afford and now the loans are being serviced by a different company. I can not afford to pay the loan at this time and I am receiving notice of default. How can I resolve this issue when the school is being sued for the way they talked students into taking the loan in the first place, I should have never been approved because I was not working at the time and they asked if someone could help me pay it. The person that was helping me is no longer in my life and I am stuck with the obligation when he agreed to pay it.
In the end of XX/XX/XXXX, XXXX XXXX company changed my monthly payment from {$680.00} to {$1100.00}, stating a negative escrow account. Due to my monthly pension and social security income, i was unable to afford the forced {$1100.00} payment. At this moment, i am receiving mortgage statements asking for reinstatement amounts of {$47000.00}. Ocwen has added forced insurances, fees, and have rejected my {$680.00} payments by returning them. During this same time, i received a debt cancellation of {$220000.00} which is shown as a shared appreciation-principal reduction on my mortgage statement. Ocwen has also changed the {$1100.00} payments to {$740.00} over the years on my defaulted payment account which is false because they never offered me the option to pay {$740.00} instead of the forced {$1100.00}. I am now in foreclosure, Case No. XXXX, which was on hold due to Motions sent to the circuit court of the XXXX judicial circuit  for XXXX   county Florida. Motions were sent to the plaintiffs in XX/XX/XXXX and XX/XX/XXXX. We have just received a Motion For Summary Final Judgement Of Foreclosure on XX/XX/XXXX. The plaintiffs are XXXX XXXX XXXX XXXX XXXX XXXX. Located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I am trying to save my home of 39 years. I would like for Ocwen to give me a debt forgiveness or an affordable loan modification that includes insurance and taxes and of course a foreclosure sale cancellation. My dream of owning my home has been destroyed. I purchased my home in XX/XX/XXXX at age XXXX for {$35000.00}. I made the mistake of getting a refinance that led to predatory lending in XX/XX/XXXX and now i'm fighting to save my home at age XXXX. I pray that someone can help me.
I opened a new checking account [ XXXX ] with PNC Bank [ XXXX branch at XXXX XXXX ] in XXXX 2014 after I was offered a bonus promotion of {$300.00} for doing direct deposits totaling {$5000.00} and a bill pay. 

I complied with the Direct Deposit Requirements [ XXXX direct deposits of {$2500.00} on XXXX for a total of {$5000.00} and a XXXX XXXX Bill pay on XXXX ]. However, I never received the bonus. 

I contacted the bank XXXX after the XXXX day period that I was told it would take them to deposit the promotion bonus, but they refused to comply with their offer.
They call me and demand over {$700.00} in medical Bill 's. Say they can give me 40 % off if I pay it through them, and not to pay the hospital to pay them instead.
In XXXX 2016, I applied for a refinanced mortgage from US Bank. I have had multiple accounts from US Bank for decades. The mortgage I wished to refinance is an ARM that I wanted to refinance to a fixed rate loan. I have lived in the same house and paid on the mortgage for almost 15 years. The refinance was going to be 80 % loan to value. 
Because I 'm retired, I do not have XXXX income. In addition to Social Security income I have income from investments and real estate. I was required by US Bank 's underwriters submit a huge amount of documentation. The bank 's document requests dragged on for months, costing me inordinate amounts of time and inconvenience. On Monday, US Bank denied my refinance application, because they said my debt to income ratio was too high. I never saw their analysis of debt to income, but I believe they were completely misinterpreting the documents that I had submitted. My only debt is my mortgage, and when I compute my debt to income ratio using conservative assumptions, my debt to income ratio is about 30 %.
I was in XXXX XXXX and was approached by a sales rep that said he worked for XXXX XXXX by the name of XXXX XXXX. He told me about a few specials they were having with their service so after a couple of hours of being in the store I finally decided to get the service it was a bundle package with the internet. I was told that XXXX XXXX XXXX merged with them. I was not told that XXXX XXXX XXXX was going to pull my credit as well as them. I was told in the beginning that only XXXX XXXX would run it but afterwards i get a notification that XXXX XXXX XXXX ran my credit not just one time but they ran it 3 times. each time i called to find out what was going on they ran my credit and instead of removing it from my Credit report they informed me to just dispute the inquiries because I did n't authorization nobody at their company to run My credit 3 times.
My brother-in-law and I jointly own a condo in XXXX XXXX XXXX, FL. We are current on the mortgage but are underwater by about {$80000.00}. In XX/XX/XXXX, Suntrust offered us an interest only mortgage which they refinanced in XX/XX/XXXX by increasing the payment by about $ XXXX/mo. We also were offered a XXXX mortgage in XX/XX/XXXX with options that we have been paying as an interest only loan for about 8 years. This will reset in 2 years and our payment will go up about {$600.00}. 
We have the apt . rented but do not receive enough rent to cover all costs. We are short about {$900.00} a month which we have been paying for with savings. 
We both have excellent credit but have had a really bad year. My husband died last year which resulted in my loss of $ XXXX/mo of income. I also had another rental property that was used as a XXXX house which cost me {$50000.00} last year until I sold it as a loss. My brother-in-law had a XXXX and was in a serious car accident in XX/XX/XXXX which resulted in XXXX. 
We are trying to get these XXXX loans which are owned by Suntrust modified with lower payments. If they would combine them or modify them, then we could continue to make the payments. 
In fact, my renter is willing to purchase the property as a short sale. 
Suntrust has been very difficult to deal with. They keep on asking for more papers, corrected papers, additional documents. I received a call this morning telling me that the bank statements that my brother-in-law submitted on XX/XX/XXXXare out of date and that he needs to submit new documents. This call also requested a current social security letter even though he had submitted the info XXXX/XXXX/XXXX. I have had to resubmit other documents at least 3 times for very minor issues-like no postal code, corrected dates. They are also telling me that if they do n't receive the paperwork by XXXX/XXXX/XXXX, the file will be closed. 
Also, they are calling me almost every day with different items that they need and sending paperwork requests that do n't match the calling requests. 
Both of us are retired and we are trying not to default on this property. Hopefully you can help us.
I have been a home depot credit account holder since XXXX. I have always paid my credit card on time as agreed. 

Approximately around XXXX, I went to home depot as I would normally do to make some purchases. I proceeded to attempt to use my credit card that I have had with them for years, when it was suggested that I try to open up a new one for some type of promotional discount on my purchase. I told them I already had an account but they urged me to apply, and they specifically told me I would not be getting a new credit card account but instead just receiving a promotional card. I am a very limited English speaking consumer and I hesitated, however the representative assured me it would be fine. 

This is where this is all confusion to me, and I believe due to my limited English I am being taken advantage of. I have been trying to get to the bottom of how or what happened when an additional HOME DEPOT account was opened up on or about XXXX/XXXX/XXXX, and subsequently a small purchase of {$2.00} was made on this account. This purchase resulted in late fees rolling over for several months and late payments going on my credit report for those months. 

This all happened from XXXX - wherein I found out of this past due balance for {$11.00} to home depot that was completely shocking because I go to the home depot store every month and pay off my account in person, without fail. I spoke with HOME DEPOT to try to explain this account was not opened up with my authorization or intention, and I NEVER charge the account ever for {$2.00}. I believe this is fraud, however nobody at HOME DEPOT is willing to listen to me or help me get to the bottom of this. I am being severely injured by the derogatory lates they are reporting for a past due balance of {$2.00}.
I feel that I have been a victim of the Fair Debt and Collection Practices Act as well as the unauthorized bank payments from Navient. They enrolled me in autopay even though she put me on and I told her to take me off. I unchecked al all of the boxes for autopay and their computer system put it right back on. 
These are UNAUTHORIZED transactions. I feel that this should be looked into on the part of Navient. This could cost me over XXXX in interest alone.
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 30 days past due as ofXX/XX/XXXX2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
I made a wire transfer of {$150.00} to Coinbase, Inc on XXXX/XXXX/2017. However, until now, the fund is still not available. I tried to contact Coinbase Customer Support, but my ticket has not been replied.
Chase is in partnership with an unethical airline : XXXX XXXX. I plan on canceling my Chase card as a result of XXXX 's new " basic economy '' pricing tier. 

Here is my story : Bought a " basic economy '' ticket online using my Chase card. 

Later found out that there is no way to upgrade to a plus ticket online - which I need due to my tall height and long legs. 

Called XXXX contact center. Was told they can not quote me a price to upgrade to plus for specific seats. Require that I roll the dice and upgrade from " basic economy '' to " economy '' ( for {$50.00} ) even though I am a XXXX Chase cardholder ; only then can I see what seats are available online and at what price ... 

This is an unfair, deceptive, and dishonest business practice. Passengers should be able to get a price quote on upgrades without having to pay a {$50.00} fee for the privilege to receive that price quote. At a minimum, XXXX Chase cardholders should be provided this added benefit.. 

I will be canceling my XXXX Chase card and sharing my experience online
I am having trouble with a check that Bank of America deposited from my checking account, though the check was never deposited or even signed. 

On XXXX XXXX, XXXX Bank of America issued a check for {$950.00} through automatic bill pay ( rent payment to my landlord ) I have paid rent through the automatic bill pay for over a year. On XXXX XXXX, XXXX the check was shown through my bank as delivered and cashed on that day. 

On XXXX XXXX, I was informed by the recipient that they had not received the check. On XXXX XXXX, I called the bank and started an investigation. On XXXX XXXX, the recipient found the missing check ( lost in their paperwork ) which was unsigned and they affirmed that they did not deposit it. On XXXX XXXX, the recipient returned the unsigned check to me and I called Bank of America to updated them on the situation. They said that they will need to investigate more. 

On XXXX XXXX, I called Bank of America for an update on the investigation. They told the have no new information and are just starting the investigation. They told me that it will take 60-90 business days ( until XXXX ) to clear the issue on their end. 

While I appreciate that they are careful with the investigation, I feel that clearly the bank made an error and should return the funds immediately. Especially considering that I am in possession of the unsigned check. The fact that it will take 3 months to resolve is unacceptable.
Receivables Management Corporation XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Fax : XXXX My initial contact with this company is dated Saturday, XXXX XX/XX/XXXX asking them to validate with competent evidence bearing my signature that I had any obligation to pay them. They never produced the evidence. 

They continue to report to XXXX a derogatory mark on my credit report. 

I decided to pay the {$60.00} to XXXX XXXX XXXX XXXX XXXX since these people refused to stop reporting it as a derogatory account. That was paid on XXXX XX/XX/XXXX. 

They continue to report the account as derogatory After having a conversation with the collections person, they asked me to send the information from the account in question ( XXXX XXXX XXXX XXXX ) documenting that the debt had been paid. I did that after having been treated as a common criminal over the phone and talked to in an unprofessional manner. 

A consumer should never have to experience this type of treatment especially when the collection agency is in violation of the law ( Fair Debt Collection Act ).
I was a student at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. A school official applied for a XXXX Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XX/XX/XXXX to XX/XX/XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX XXXX the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX XXXX. The representative from XXXX further advised me that XXXX XXXX was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as Transunion , LLC, XXXX, and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
I had a leased vehicle. When I turned it back to XXXX I was billed {$600.00}. I am XXXX yrs old, get food stamps and can not make ends meet. The lease had been paid by a relative who can no longer help. It was financed through Ally. I have been sending a {$10.00} check faithfully every month. However Multiple phone calls continue to come although I have contacted them both by phone and mail. Although I have blocked the calls they continue to leave messages which use up my meager allotment of minutes on my cell, my only phone.
I check my credit monthly on creditkarma.com just to make sure nothing unusual pops up. When I saw a debt for comcast I disputed it. Over the last XXXX weeks I 've been trying to contact Enhanced Recovery to verify the debt and show proof of return to XXXX. However if you get in contact with someone they immediately hang up. Also they have a pre-recorded message that just loops and eventually hangs up.
I have reached out to the bureau by phone, online and by mail I have notified them that this Bankruptcy showing on my file isnt mines. I have contacted the courts as well and have been notified that the bureau hasnt contacted them to verify any information. However the bureau is insisting that they have investigated such matter and will not provide me with who they are investigating with or verifying through. 
I also have been told by the bureau that they are not directly investigating themselves which how can they report inaccurate information that they are not even verifying I would like the bureau to investigate directly and provide me with the party who they are directly verifying to.