WillisBack/dataset-financial-user-claim huggingface dataset:
Good afternoon, My name is XXXX XXXX, and my complaint is about XXXX XXXX in regards of a credit card that i had with matress firm. I was offered a credit line of {$3000.00} upon purchasing the matress. First thing i never received the physical, i had to call them to make first payment over the phone, after the payment was made i requested that i received a card and still up to today no card.I created an account online so my payment could be made since i realize i would never received the card from them. I had miss one payment, which was late. But the following month i quickly got some money and paid in full the full balance which was {$1600.00} if i am not mistaken. Because of the late payment, my credit score drop  which i understand and was also my fault due to my financial situation, i still had my hope because i knew once i paid them in full it would go back up. On XX/XX/XXXX, i received an email from credit karma notifying me that the account close and for me to follow up if it was not done by me. I immediately call synchrony in regards of the matter and the representative could not tell me much beside that yes they could that. Now my credit score is extremely low, i was not notified prior, no phone call, email, or letter. I received a letter on XX/XX/XXXX in regards of the matter. Please help me if you and so this doesnt happen to someone else. 
PS. i do not have the full card number but it end with XXXX Best regards and thank you.
I was contacted by credence saying that I owed them XXXX for an XXXX bill. I told them I could do a payment plan and they were trying to get me to pay a lump sum- this was in XXXX. I told them I would call back in XXXX when I could make the 1st payment since they were so adamant on a lump sum. I forgot I had already given them my bank information. When I got paid in XXXX I called on the XXXX and scheduled a payment arrangement for {$70.00} that day and {$100.00} on the XXXX of every month until XXXX. No one informed me that they had already charged my card that day for {$100.00} and proceeding to charge me again. I realized what happened after getting off the phone with them and checking my bank account. When I called back they informed me I had one payment arrangement scheduled for the XXXX of every month and 1 for the XXXX I told them they needed to refund my {$100.00} and cancel one of the payment arrangements. They said they sent me a notice in the mail but I did not receive this notice until the XXXX of XXXX. Which is way after they debit my account. Further the notice was dated only 2 days before they withdrew the money which means it was not sent out the day it was printed. They said I wouldnt get my money back until 22 business days after it was processed. I told them that was unacceptable and they said I should just leave it as an extra payment or payment for XXXX. I told them that could not happen because they were leaving me without funds. They said no later than 22 days. Yesterday I called back to see if the refund process had begun and they told me 15 days before the refund process begins and 22 days before I even see any result. They are holding my money hostage. Help!
On XX/XX/XXXX, I contacted SunTrust Bank ( VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) XXXX XXXX. I asked the bank to cancel my OverDraft Protection because I wasn't notified over the phone when I signed up for it that if your account is XXXX the bank will charge you XXXX for not have money in your account although there was NO bounced check? Then the bank bounced a check for XXXX from XXXX XXXX. Which is a company I have never ever heard of which cost me nearly XXXX. I asked the bank to cancel this company because I've never provided my bank card to XXXX XXXX and have no idea how they used my bank check card to pay for this service. SunTrust filed to case ( s ) XXXX for XXXX in XXXX, XXXX and Case XXXX for XX/XX/XXXX for XXXX. SunTrust said they can not reimburse for all the transactions unless I know when the money was taken? I attempted to change my OverDraft Protection to NO from my online SunTrust account but each time it resets itself back to YES. So I asked the Clerk over the phone to cancel the OVERDRAFT PROTECTION and she said that she was unable to do so. 

Please help me. I really would appreciate any help you can advise as you have in the past provided me with EXCELLENT Service. So I am calling upon you again for your assistance as my requests are falling on deaf ears again.
At present I have 16 student loan accounts reporting on my credit report. All 16 accounts are reporting late for months XXXX through XX/XX/2017 however this information is inaccurate. I graduated my undergraduate program in XX/XX/2017 and my loans should have remained in deferment for 6 months following my graduation and then enter into repayment status. Instead, it appears my graduation date was calculated incorrectly or I did not recieve my 6 month grace period as I should have.
My homestaed property loctaed at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX was in forceclosure and taken away on XX/XX/2012 I was never aware of this the bank of Bank of America and XXXX XXXX never contacted me to inform me of this situation. I would of gladly worked with these banks and I would of never lost my property that I worked so hard to obtain my homestead property. I never received any documents that the above mentioned property was going into foreclosure. I will provide any documents necessary.
I pay XXXX a week toward my mortgage. Ditech is not applying my payments correctly to my account and has assessed late payments to my account when I am paid ahead.
I was charged for shipping on my Kohl 's when i should not have been charged. They agreed to reverse the charge on XX/XX/XXXX, the charge did not get removed so I called again on XX/XX/XXXX, and again on XX/XX/XXXX. On XX/XX/XXXX they said that the refund was canceled twice. I was also told on XX/XX/XXXX that I would receive an email with my refund information. The refund is only for {$9.00}. I'm not sure why I can not get my {$9.00}. I'm on my XXXX call with the Kohl 's charge company and they offered me free shipping on my next order ( i get free shipping on orders anyways ). They can not give me the number to the people that keep denying my refund.
On XXXX XXXX, 2015 I received a notice in the mail from Enhanced Recovery Company , LLC stating that they were collecting a balance of {$710.00} that I owed on a XXXX account. I called this company at XXXX and spoke to XXXX XXXX, who verified my demographic information and social security number. I told her that I never had a XXXX account. She then told me I needed to complete a fraud package which she mailed to me. I went to the police to file a report on this. The PA state police called XXXX and verified that I never had a XXXX account. The Officer informed me that this collection agency is a fraud as the XXXX logo on the paperwork they sent me was counterfeit. I was advised to report this incident to FTC who referred me to this web site.
I currently have federal student loans from XXXX XXXX serviced by XXXX. I'm doing PSLF and have my loans in IBR. Each year I submit income verification form and did so this year. Prior years my payments were lower due to lower income, and this year my payment increased to the 10yr repayment as income was high. I received a letter dated XX/XX/2018 from XXXX. 

" -- We received your documentation for your annual recertification but determined that you do not have a partial financial hardship ; therefore, your new payment amount is not based on your income and family size. Your loans will remain on the Income-Based Repayment ( IBR ) plan but your payment amount changed to XXXX. -- '' And then I discovered that on XX/XX/2018 {$20000.00} of interest was capitalized. This raised my loan balance from $ XXXX to $ XXXX. 

I called XXXX on XX/XX/2018 to find out about why interest was capitalized. I was initially told that it is because I didn't submit my re-certification. I told them that I did ( it even says so in their letter ).  They then told me that there are 2 types of IBR plans, and I was in the one that had financial hardship and now I'm in the one that doesn't. And because of this change they triggered an interest capitalization. 

I went on studentaid.ed.gov and there was no mention of the situation I encountered. There was mention that if you don't re-certify income the interest does get capitalized. But I did re-certify my income. 

Please help me remove this interest capitalization. 
I do not see this as appropriate. It was either a mistake, or a deceptive practice. I'm in IBR plan, my income has increased so I'm paying more while under the IBR plan and they capitalize my interest. This makes my total repayment even higher. 

I would greatly appreciate your assistance.
I contacted Wells Fargo today and they advised that I was 51 days delinquent. I was a little confused as to why. I spoke with XXXX who first advised that he was a supervisor ( I later found out that he was a lead ) and he advised me that if a partial payment is made on the account, then it is not applied towards the account and that interest accrues daily on the full amount due. I have made larger payments towards my account for some time. I want to make sure that the company is calculating the interest correctly. If they are not, I would like for them to adjust my account accordingly. Also, the person on the phone advised that he was a supervisor, when he was not. He was a lead. This is misleading.
I made a mobile deposit on XXXX XXXX to my XXXX bank account from my Apple Bank check XXXX. I have been to XXXX and they took the credit away from me because the check was never paid by Apple Bank. XXXX claims that XXXX bank has the original check and was cashed at an XXXX bank on XXXX XXXX, 2015. However, I do not own an account with XXXX nor do I know anyone who has XXXX. Someone stole this apple bank check from me. According to XXXX, Apple bank needs to file a forgery claim affidavit with XXXX in order to get my {$500.00} back from XXXX because XXXX does not have that check. On XXXX XXXX, Apple bank withdrew {$500.00} from my checking account to pay XXXX for the mobile deposit I made. On XXXX XXXX, 2015 Apple Bank withdrew an additional {$500.00} from my account to pay XXXX. However, two days later Apple Bank returned the additional {$500.00} withdrawal to XXXX due to a fraud claim. Then on XXXX XXXX, XXXX withdrew {$500.00} from the deposit I made on XXXX XXXX claiming that XXXX has the original check. So what happened to my deposit on XXXX XXXX to XXXX. I am missing {$500.00} dollars. I physically went to XXXX to try and solve this and they would n't speak to me because I am not a customer with them and they need to deal with Apple Bank directly. However, after numerous attempts of going to my local Apple Branch they have not done anything for me. They refuse to even speak to me at the XXXX XXXX Apple Bank XXXX. The manager at the XXXX XXXX Apple Bank, told me to file a police report, and also to write a letter explaining the situation. When I went with all the documents she required from me she refused to even look at it. Her name is XXXX XXXX. She is the Manager at the XXXX location. If this is who Apple Bank has in charge of that location. As soon as this is resolved I will be closing my accounts with Apple Bank. A bank where I have had my accounts for close to 20 years. She has not been professional at all. She tries to avoid at all costs and all she ends up doing is referring me back to XXXX or to XXXX, knowing I do not have an account with XXXX! All I want is help from Apple Bank. they should reach out to XXXX and retrieve that stolen check from me. This is my hard earned money being stolen from me, and the fact that my own bank wo n't even fight for their own check is sad. If this is how customer service is handled in Apple Bank, I will close my account.
In XX/XX/XXXX, I enrolled and began classes at XXXX XXXX in XXXX XXXX, La. after a few weeks of classes, I began having difficulties with my instructors, such as inability to understand her speech, as she was from another country, and substituted many words and phrases with her native tongue. So, after requesting a change of courses, I switched from drafting and design, where i originally had issues, to criminal justice where id hoped to continue my education, only to receive an inaccurate attendance record, despite having all assignments and any homework from the " missing '' days. Boiling down to instructor errors, they terminated my instructor and hired a new instructor who started doing the same thing, if not worse ( making it seem as if i was not showing up for course hours ). I was promptly let go from all courses toward the middle of XX/XX/XXXX due to these inaccuracies in attendances. Overall I was enrolled from the summer of XX/XX/XXXX, to the fall of XX/XX/XXXX. I understand that I do not fall under the discharge of student loans due to their closure, I feel I am a victim of fraud as they could not supply me the education I signed up for.
Paid off my  XXXX    XXXX   and   XXXX   XXXX   XXXX   XXXX   credit cards over  three yrs, and it still showing up in my credit report.also someone is trying to get credit with my name
Bull City was written on XXXX XXXX, 2016 and asked to provide full legal validation/proof of this alleged debt. They never responded
I have been receiving calls and collection statements from XXXX XXXX XXXX. I paid this debt in a settlement in XXXX 2015. I have disputed the debt with the credit bureaus but They continue to call me and to collect on the debt.
Avant quoted me a payoff and I sent that amount thinking the loan was paid off. Over a year later I learned that the account was not paid off because they quoted my the wrong amount. Once I found out, I called them and requested an explanation. I was sent to a resolution department who never responded to my request. Later I tried again was told that I should have known to make another payment after I sent the payoff. I do n't know why I would be expected to know this information. When you request a " payoff '', the amount quoted should be the amount to pay and close the account. Their unethical business practice has now led to over {$500.00} in additional interest. I do n't feel I should have to pay this as I did nothing wrong.
On  XXXX / XXXX / XXXX  - I was the victim of an internet scam. The fraudsters convinced me to issue a cashiers check for {$9000.00} and put it in the mail. The check would take 4 days to arrive in  HI. My friend came to my home and I discussed the matter with him and realized that it was a scam. We immediately called Wells Fargo fra ud department to stop the cashiers check after submitting all requested information we were given a case number. We then went to the  XXXX  CA branch and spoke with  XXXX   XXXX . We presented him with the stub from the cashiers check, explained what happened. He called the fraud department, closed the checking and savings accounts, blocked online access, and assured my boyfriend and myself that a hard stop had been placed on the cashiers check and that the fraudulently stolen funds would be returned in about a week.  XXXX  asked me to come in the next morning to open new accounts. I came in the next morning, opened new accounts.  XXXX  assured me that everything was safe and that the {$9000.00} would be transferred to my new account. Note - A police report was called in to  XXXX  PD since that was the location where the check was sent.     On  XXXX / XXXX / XXXX  I called the claims assistance center to follow up on the status of the {$9000.00} going back to my account. They said a form was missing and that they would mail it. I did not want to wait so I went back to the  XXXX   XXXX  and spoke with  XXXX   XXXX . He called the claims center, and they did not know what form he needed, so they would call back. In the meantime, the claim was closed. On  XXXX / XXXX / XXXX  with the stress from this situation I went into the hospital with  XXXX   XXXX  and was kept   XXXX   XXXX   XXXX  . I was released Sunday night.     As it turns out  XXXX  at the  XXXX   XXXX  failed to have us fill out the correct fraud paperwork for a cashiers check to create the bond to protect us from the loss. In addition, on  XXXX , the  XXXX  branch refused to accept the affidavit of check fraud that was requested by the fraud department. The check was cashed when  XXXX  had assured us that a hard stop had been placed on the check on  XXXX / XXXX / XXXX .
major companies affected : XXXX ( oil ) and XXXX formerly know as XXXX XXXX XXXX capital ONE XXXX XXXX 1- will not work w financial hardship 2-closes acct on basis of chXXXX attempted but all future offers of credit refused because company wasnt paid ( I excised my right whether upright law executed it is another matter. companies can not act in this manner to refuse new acct based on credit options excised by consumer. ) 3-refuses to remove spurious charges ( extra interest, etc. wants full payment on acct ) and makes claim that they are unable to work with people without an attorney on retainer, yet when I had one on retainer, ( upright law ) they still refused. 

when claim is made it is under threat of lawsuit and over the phone, never in writing ( XXXX on behalf of XXXX XXXX ) and consumer " Must respond immeadiately '' to collection efforts. These companies are not being help responsible. 

capital ONE explicity : 1-WILL NEVER DELETE bad info about consumer. 
2-extends credit repair terms to 12 mos vs 6 for credit extensions 3- will not issue even a secured card which the consumer has to issue money for because of above.
4- refuses to turn acct over to people who might give a XXXX about consumer rights, but claims they are not covered under FCRA law.THIS IS EXTORTION. 

My income can not be garnished. Get a clue.
XXXX XXXX XXXX has reported me to all all 3 reporting bureaus as latepayments were made and XXXX never updated.
In XX/XX/XXXX2015, I refinanced my mortgage w/Primary Residential Mortgage, Branch Office in XXXX XXXX NJ. Final agreement was signed on XXXX/XXXX/2015. However, after complete review with my son, and discomfort with changes in agreed Closing Fees and the percentage rate, I exercised my " RIGHT TO CANCEL '' and mailed proper form ( XXXX/XXXX/15 @ XXXX ) to Primary Residential Mortgage XXXX. I also informed the Branch Manager, XXXX XXXX of this decision. His immediate response was to make changes ( as first negotiated ) and another agreement was drawn and signed by me on XX/XX/XXXX,2015. 
XXXX XXXX I received notice from XXXX that servicing was transferred from Primary Mortgage. I immediately called XXXX XXXX and questioned the difference ( higher ) in the monthly payment amount. I was told a " research '' would be conducted and I would be notified within 7_10 days. When I received the first " Monthly Mortgage Statement '' I realized myself why the monthly payment was higher -- - INTEREST RATE INFORMATION on this form indicated a 3.990 % rate. I immediately called PrimaryResidentialMortgage with my concern that they transferred the first agreement, cancelled by me. I also called XXXX with these same concerns and again was told a " research would be conducted and this would take 7-10 days. My initial payment to XXXX was sent ( XXXX/XXXX/2015 late ) and in the amount of my signed agreement of XXXX/XXXX/2015. I have continued to make this monthly amount accompanied with a note the explanation for the difference. I have had other contact with Primary Residential Mortgage ( all initiated by me ). The last contact with them, ( XXXX/XXXX/2015 XXXX XXXX, via phone-followed by email ) indicating she was sending me a Mod agreement needed to lower my interest rate. This " overnighted '' package was not received until I called again and questioned its status ( rec 'd XXXX/XXXX/2015 ). As of this writing, I have not signed this document. My question is, " how do you modify an agreement that no longer exists? '' I have absolutely no faith in either Primary Residential XXXX, although I believe Primary is at fault for selling an illegal document and not admitting to this error or taking any action to resolve the situation.
Due to a hardship, I was unable to pay my home mortgage payments. I had a first mortgage with XXXX XXXX XXXX and a equity line of credit with Bank of America. My home was foreclosed upon in XX/XX/XXXX. Both loans were real estate loans and the collateral was the home. MY COMPLAINT is with Bank of America who held the equity line of credit. BofA reported the loan as charged off initially. Then 30 months later, ( XX/XX/XXXX ) a BofA collection representative started calling me threatening a lawsuit if I did not pay the money owed on the equity line. I was asked and agreed to pay {$5000.00} to settle the account. I have attached the note and deed of trust for the equity line showing that the loan was secured initially by the property but in the aftermath, it should be shown on my credit as a chaarge off - settled for less than due and not a Foreclosure. The way BofA is reporting this on my credit is keeping me from purchasing another home for 3 years. I am requesting B of A report this as a charge off of a credit account and not a foreclosure.
according to the U.S. treasury guidelines. under the imminent default criteria I believe my brother who is a military veteran deserves to keep his home. under the US treasury guidelines he should be eligible for a   modification based on his  XXXX . He went through marital issues and a divorce in  XXXX  and  XXXX  causing him to struggle with excessive expenses, he struggled from  XXXX  and was hospitalized multiple times. He Is a  XXXX  patient and has to be   XXXX    XXXX  times a week. He was admitted into the hospital on  XXXX  and  XXXX , currently in hospital.   He has been hospitalized multiple times due to  XXXX   XXXX  and issues that may have resulted from being in the military. He depends on medical equipment for support to walk and to get around. he is only  XXXX  yrs of age and struggles like an elderly individual.
Company will not give me clear information on repayment options. I called today because I keep getting emails that my account is delinquent, the lady was very rude and abrasive with me. She was telling me the only option I had was forbearance and wouldnt answer my questions about the differences between the repayment plans. She also told me that my account was automatically put into forbearance following a major hurricane in my area. The lady from Navient ended up hanging up on me because I wouldnt let her get away with not answering my questions. They say I owe XXXX for ONE semester at XXXX XXXX
On XX/XX/2017 I sent a letter to Consumer Collection Management asking for this company to verify the alleged debt that is said I owe from a XXXX visit. I received a letter stating that the balance was confirmed, but I received no validation requested. I have already contacted the credit bureaus concerning this issue.. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Requests made to this company were to : Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Consumer Collection Management failed to comply.
I called American Express to have an authorized user to be removed from my account and the representative mistakenly closed my entire account! When she did that she also forfeited all my membership rewards points! I was told many times that they would re-open the account and they never did after weeks of calling. This was confirmed by XXXX, badge number XXXX. I was lied to and their inappropriately closing my account caused me a financial loss by the loss of my points. I am outraged. I never authorized the account closure - ever!