WillisBack/dataset-financial-user-claim huggingface dataset:
On Friday, XXXX XXXX, 2016 at XXXX, Professional Debt Mediation Representative XXXX XXXX conducted intolerable threatening and obscene/offensive veibiage as well as harassing behaviors. I, as a consumer, who reached out to the original client and now collection agency to resolve this issue feel I should have not been " yelled at, threaten, and should not have to tolerate verbal abuse '' over any account and/or situation. Based on his behavior and statements, he has already made it clear he will NOT honor any agreements. Also, per correspondence received on XXXX/XXXX/2016, the PDM representative is stated false and inaccurate information which is very concerning. I believe this is a purposeful misrepresentation of details associated with the listed account.
I have reported the information being inncorrrect to Equifax over ten times an no response for over ten years.
XXXX major issues that have been poorly handled by this institution. 

Rate lock - From what I understand, they set the expectation with you that they had secured your rate when they had not and it was actually floating. If I am correct, this costed you some money when it was finally locked. 
Zoning Issue - I know very well about this as I helped you resolve it. If I recall, the unit is in a building which was categorized non-conforming due to the possibility of not being able to rebuild in case on catastrophic damage. This lender was unable to solve this and only when I worked through a colleague in Florida was it determined that a waiver letter was acceptable. Based on our discussion, you shared this solution with them and they sorted it out, but they should have been able to resolve without delay and inconvenience to you. 
DTI - In our last discussion, you are now telling me that they are scrambling to resolve a DTI issue resulting from confusion on which debt is personal and which is associated with your business. This should in no way be a last minute issue and should have been resolved at application or after approval, at the very latest. I have not yet reviewed your commitment letter, but I would request it from them as it would have to address this or they are altering a committed deal which is not allowable. In short, if they approved you and told you what they need to close, they can not add items unless your financial situation has changed. 
Blown Dates - Throughout the process, they seem to be stringing you along with consistent unmet promises for dates of approval or issue resolution. This has eliminated your ability to find alternate financing further jeopardizing your transaction and money.
I was charged an overdraft fee on my checking account when it was not overdrawn. I also do not have overdraft protection. I called the bank to have it removed and they refused to even though my account was never overdrawn. This bank has very aggressive practices with regard to overdraft. They said the fee was for a pending transaction that had not been presented to my account for payment yet. This is one of the most ridiculous things I have ever heard. I have an attatchment of the exerp of my statement that contains the questionable practice by this bank. In it you will see that my account is never overdrawn except for when the fee was charged.
XX/XX/2018 Received an email from XXXX, XXXX XXXX, about the new credit card balance for the card " I '' recently opened. I immediately phoned the card company to explain I did not open any new credit anywhere at anytime. She was nice enough to explain the process I need to do to handle this and started an investigation on her end. 
XX/XX/2018 Experian added an initial security alert for 91-120 days. 
XX/XX/2018 I processed an on-line police report with XXXX Police Department stating fraud using my personal information. 
XX/XX/2018 I mailed to Experian, a copy of the police report and all necessary information to have the fraud alert extended for 7 years or a permanent alert, as rightfully entitled. 
XX/XX/2018 Experian mailed me a notice stating a ) my request was redundant b ) I forgot to include personal information in my request c ) I need to include a valid theft report from a local law agency. 
XX/XX/2018 I went to my local law agency ( XXXX Police Department ) to ask for help. The officers that I spoke to told me that my report # XXXX is in fact a valid report and there is nothing they can do for me, because I already have a report stating details regarding my situation, I can not amend it nor file another report. 
XX/XX/2018 Again, I mailed all the necessary information, including a statement of what XXXX told me. 
XX/XX/2018 I received a statement from Experian stating I had to include a valid theft report. 
XX/XX/2018 Again, I mailed the necessary information and a statement that said I have already done all the necessary steps to try to protect my credit information and my frustration with them repeatedly requesting a valid report. 
XX/XX/2018 Experian notified me of results and that was that I need to submit a valid theft report. 
As of today, I am still going round and round with this agency at great length and I am completely dissatisfied with all results they have issued me and with how to contact them. I can not speak to a live person to state all of this information. 
I formally request help with my case and to obtain an extended fraud victim alert.
Caliber Home Loans holds my mortgage. In XXXX 2015, they overpaid my state and local property taxes, resulting in an account deficit, and have for months refused to issue the appropriate refund. Due to Caliber 's error I have lost accrued interest and now my escrow amount due was recently increased to my detriment and through no fault of my own. See this e-mail thread for a summary of the problem : Thanks, XXXX. I greatly appreciate your time. Please find a full accounting attached. Please note, that I pay taxes on the unit and the parking space separately, hence the XXXX line items. Respectfully, XXXX and the involved Caliber folks are mistaken. Please escalate this as you see fit. 
At closing, the following payments were made ( see attached HUD-1 ) : Closing - {$1700.00} of {$2500.00} annual tax assessment ( {$1200.00} due XXXX XXXX and {$1200.00} due XXXX XXXX ) Closing - {$190.00} of {$330.00} annual tax assessment ( {$160.00} due XXXX XXXX and {$160.00} due XXXX XXXX ) After closing, in total, I owed the county {$780.00} ( {$2500.00} - {$1700.00} ) and {$140.00} ( {$330.00} - {$190.00} ). 

Please note, that had I not paid taxes at settlement, Caliber 's payments would have been proper. Unfortunately, Caliber overpaid as follows ( see attached Caliber Escrow Report ). 

XXXX - {$1200.00} XXXX - {$160.00} Therefore, exclusive of lost earned interest, I am owed a refund of : {$480.00} ( {$1200.00} - {$780.00} ) and {$21.00} ( {$160.00} - {$140.00} ) Moreover, according to the online Caliber portal, Caliber intends to distribute even more funds in XXXX ( see attached Caliber Escrow Report ). 
Thanks XXXX, XXXX
Several months ago I received a targeted promotional offer ( code : XXXX ) from Citibank to open a Citigold checking account and receive XXXX AAdvantage miles as a sign up bonus. The requirements for this promo were that at least {$1000.00} dollars be spent in the first two months on the attached debit card and that I make two bill pay payments in the first two consecutive months that the account is open. I opened the account in XXXX and after I completed all the requirements, I sent a secure message to Citi customer service to confirm my enrollment in the promotion and that the requirements were met. They responded on XXXX and assured me that I was eligible and enrolled in the promo and that all the requirements were completed. A screenshot of that secure message is attached to this complaint. 

The promotion disclosures document says, " The AAdvantage bonus miles will be credited by Citibank to your AAdvantage account within 90 calendar days from the date when you completed all offer requirements. '' The date on which I completed the last requirement was XXXX XXXX, 2016. Therefore, according the Citi 's own terms, I should have received the points by XXXX XXXX, but the points were never credited to my account. Instead, Citi tried to change the terms of the agreement and say that I would receive the points by the end of the month of XXXX. They claim that the 90 day waiting period does not start until the end of the billing period in which the requirements are met, contrary to what the promo disclosures page says. 

Last week I called customer service to inquire about when my bonus would be processed, and Citi impformed me that they closed my Citigold account on XXXX XXXX, 2016 and told me that they are denying me the promotion bonus miles. This account closure must have been backdated, as I made a cash advance from my Citi credit account and deposited those funds into the Citigold account in order to cover its montly fees on XXXX XXXX, 2016. Citi has disallowed me from viewing my past checking account history and statements online since the account is closed, but I do have a screenshot of my credit account activity which shows the transfer made into the checking account on XXXX. This screenshot is attached to this complaint. I believe this to be a deliberate attempt to deny me the bonus miles that I have rightfully earned according to the terms and conditions of the promotion.
The debt is not reported accurately. Texas state law statue of limitations starts on the day the last payment on the account was made. Referred to as the DLA. The information just reported to the credit bureaus is not correct The DLA is over 6 years old. The Texas statute of limitations is 4 years. Civil Practice & Remedies Code - Chapter 16, Section 004. The debt is outside the 4 year statute of limitations, and I am not liable for this debt. JH Capital Group Acct : XXXX File # XXXX is inaccurately representing this account and is in violation of Texas State Law and I am not liable for this debt. I request their information be removed from my credit report.
Received an email today, Saturday XXXX/XXXX/XXXX ( Holiday Weekend ), that my car payment is due in 5 days but also that the online pay and phone pay systems have been shut down for maintenance and will not be opening up back up until after my bill is due. I also probably wo n't be able to mail in on time because of holiday schedule, unless I pay extra for expedited shipping, plus I already threw out my bill because I always pay online through a 1-time ACH. This seems like a very underhanded move to get people charged late fees and to put blemishes on their record. I 'm shocked that this could even be allowed. I have paid on time/early on every payment since the loan started. This is completely ridiculous that a financial company can act this way.
XXXX XXXX we were moving to XXXX from Fl. and we were trying to set up XXXX XXXX XXXX XXXX while traveling back and forth. First we were told that we could not get XXXX and just ordered a phone from a XXXX and/or XXXX in XXXX XXXX ( XXXX ) to be installed on XXXX/XXXX/XXXX and we picked the number ( XXXX ) XXXX. XXXX or XXXX called back the same day and said that we would be able to get phone, internet and XXXX, but that by getting the combined package the number we picked would go away and the installer would give us a number upon installation. The new number that was installed is ( XXXX ) XXXX and we have paid for that number every month since installation. We received a bill dated XXXX XXXX, XXXX for {$68.00} for the number not installed. Called customer service, got XXXX ( ID XXXX ) in the XXXX and he stated to disregard. Between then and now we have also spoken with XXXX ID XXXX in XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX and she said it shows no service for that number and will send to a supervisor to cancel and would call back-no return call came-the bill has escalated to {$160.00} and for some strange reason late charges and long distance credit removed and the last bill we received was {$140.00}. We also contacted XXXX ( XXXX ) XXXX ) ID XXXX on XXXX/XXXX/XXXX who again cancelled everything, but the bill came again with a threat of collection company and reporting to the credit bureau which could damage our credit rating. I posted a comment on XXXX & XXXX XXXX page in early to mid XXXX and shortly thereafter XXXX called and said to give her to Saturday to get it taken care of. We have n't heard from XXXX since. 
On XXXX/XXXX/XXXX we received a call from Gatestone XXXX XXXX ( XXXX ) and we explained the bill was bogus and they should never call us again.
I have a 15 year mortgage that 's paid by weekly. The problem I see is Wells Fargo takes the money out of my bank, and does n't apply it right away. they wait untill the end of the month then apply both payments. So I 'm missing out on the extra interest that I should have paid but is n't. I 'm not even getting interest on the money they take out for two weeks, and they get to use it anyway they want for two weeks interest free. 
The first payment gets taking out on the XXXX of the month it is put into my mortgage but not applied as credit untill the end of the month when the next payment is due then they combine them and then credit my account. 
that does n't seem fair. Why am i not getting the benefit of appling the payment right away Thank you XXXX XXXX CT XXXX XXXX
I refer to case number XXXX. I want to make sure that it is clear that the final check i paid wells Fargo had nothing g to do with the principal of my loan. 
The check they cashews for XXXX XXXX of that was to pay them insurance money for insurance i no longer needed since I paid the loan. 
The bank demanded that I pay them this in order to close my account. Other parts of the payment was free etc. So other than refusing to apply a check they cashed, the check was not even for the principal of my loan. 

So this is also a complaint about wells Fargo forced insurance. They still forced insurance on a principal paid loan I can not allow wells Fargo keep possession of a home that I paid. I am not able to resolve to what they intend to do with lien release reimbursement. etc I need these questions answered.
I am over paying my mortgage each month. Loan servicer is not applying my over payment toward principle, but rather holding it in a separate non interest bearing account.
On XXXX XXXX, XXXX we broke our lease with XXXX XXXX. We paid in full according to the lease agreement and apartment mananger : XXXX XXXX, {$2100.00}. We have a copy of the check and the managers signature confirming lease was paid in full and we turned in the keys. The apartment complex is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX In XXXX XXXX we start getting collection calls from National Credit Systems, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX we owed XXXX XXXX XXXX {$500.00} for unpaid rent in XXXX. We told him we paid lease in full and that manager confirmed by signing receipt and copy of our check. He warned we will have negative credit reporting unless we paid or sent him proof we do n't owe it. I confirmed he had same information we have showing lease agreement and copy of check. Before this, we have received nothing in writing from the apartment complex or his agency and have been repeatedly getting collection calls all hours of the day even at work. XXXX # is XXXX. We paid this in full and have proof and so does the apartment complex, we are baffled as to why they are pursuing unlawfully damaging our credit when we have copy of early termination lease agreement and copy of check with managers signature and her card stapled to it that she gave us the day we paid her and turned in the keys.
I keep getting calls about my student loan when the statue of limitation is up. This loan is still showing on my credit report. I called and tried to make several payment arrangements and I could n't afford the payments that were offered. I also am aware of a recent lawsuit that was taken out on the loan provider for those same issues that were affecting me.
I received a call at XXXX. I am a remote employee and usually wouldn't answer my phone for personal business. the call had no caller ID at all. No phone number no name. I answered the call. The Collection Agency is California Business Bureau at XXXX Ext XXXX. The Agent 's name is XXXX. The call itself wasn't an issue but when I mentioned that there being no caller ID, she was aware.
I have already tried to get my money back from XXXX XXXX but have not gotten any as of yet. My real complaint is against Nationstar Mortgage. They are not really trying to work with me on my mortgage modification. They are using things I do not understand to turn me down and when they do send me a modification it is less than 50 dollars from what I am paying now. I have filled out several modifications and none have been successful.
I have charged off debt of {$3200.00} from a Bank of America credit card. The account became delinquent in XXXX of 2009. Bank of America gave me a 1099-C Form to file with my federal tax return. As instructed, I used the charged off debt as income. To date, Bank of America is still reporting to the credit bureaus agencies that I account is active and open. I have called Bank of America several times asking them to close the account and update it as charged off. BOA told me that they ca n't legally collect on the debt because it it is charged off. The agent asked me to settle the {$3200.00} debt amount for {$2000.00}. I explained to BOA that the debt is charged off and settled. More importantly, I already filed it with my tax return as income. Please help me in getting BOA to close this account.
I had 4 separate private loans through Sallie Mae. When i went to refinance my student loans through XXXX XXXX they could only cover 3 of my loans for pay off. When i gave XXXX the information for each individual loan for pay off they dispersed the money with a document stating how much money was to be applied to each loan, XXXX XXXX had no knowledge of me having a 4th loan with Sallie Mae therefore when they sent the money for payoff they listed the 3 loans that would be paid off. When Sallie Mae received the check they applied the money how they wanted to, and took the pay off check and applied it to all 4 of my loans. Simply ignoring the paper work that stated what loans were to be affected by the pay off. Sallie Mae applied the money how they wanted too in an effort to keep me as a customer with 4 loans and 4 separate interests rates to make more money off me rather then applying the money how it was directed to be applied which would have left me with 1 loan with and 1 interest rate. Sallie Mae took it upon themselves to apply the money as they wanted and when i spoke with them all the could offer was an apology. But my other concern is that when XXXX or any company at that chose to refinance a loan for pay off they always send extra money in the check to cover any interest accrued during that period of time. When it came time for Sallie Mae to refund the over payment that had no idea how much it was suppose to be for because they messed up on properly applying the money they received for the pay off of my loans. After taking the time to figure out the correct amount of money that i was owed from the over payment, Sallie Mae argued over the amount i said was owed to me. After speaking with about 5 different people at Sallie Mae i was giving a different amount of money that was owed every time i spoke with someone there. My account online read i was owed XXXX while Sallie Mae was only trying to pay back XXXX when i asked how my accountant reads this number and your telling me another amount they had no answer for it. When i brought to their attention that I was aware that they were under investigation for falsely applying customers payments they quickly agreed to send me the check for XXXX with no questions asked. But my problem is that i am actually owed more then XXXX, i am owed approximately 500 dollars more. After i received the check for XXXX i cant seem top get a phone call back or find anyone to speak with you can help me.
I get repeated automated calls from a collection agency for someone else, and they wo n't stop. The phone they are calling on is a business line provided by my employer, and it 's possible the person they 're looking for is a previous employee. However, they wo n't quit.
I contracted Equifax, XXXX, and XXXX on XX/XX/2018 and XX/XX/2018 requesting personal information be updated and provide documents in support of my request. 
I.M FILING A COMPLAINT BETWEEN XXXX XXXX XXXX XXXX, AND XXXX   EQUIFAX AND XXXX. I HAVE REACHED OUT TO XXXX, EQUIFAX AND XXXX TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH XXXX DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS. MY DISIRE IS TO HAVE THE OUTDATED AND FALSE INFORMATION DELETED FROM MY REPORT. 

I file a dispute with XXXX and Equifax if reference to XXXX XXXX XXXX about a {$3300.00} on my account. I also sent XXXX XXXX XXXX a register letter disputing this posting and asking for verification of debt. Enclose is the information that they forward to me from another company. They provided no documents showing I have any debt with then, also XXXX XXXX XXXX failed to notify the XXXX or Equifax of the dispute. Equifax is reporting inaccurate information in reference to XXXX XXXX, they are reporting the date of the last activity instead of the date of first delinquency. Im requesting these items be deleted from my report.
My son defaulted on his XXXX. I am not exactly sure how many payments he missed. I called Chase, trying to make this right, however they are NOT willing to work with us. Our only options were to either give them {$11000.00} as a lump sum before the end of XXXX OR we can make payments for XXXX months on the total owed which is approximately {$18000.00}. 
I spoke with XXXX different XXXX there. The XXXX XXXX I spoke to said we had to pay {$400.00} a month ( which I thought was going to be until loan was paid off ) when I called back for more information, I was told we could only make payments for XXXX months. We are unable to pay either {$11000.00} now OR {$18000.00} in the next XXXX months. 
My son is in XXXX and is not working, and we do not have the money to pay it off for him. 
I understand now that a XXXX was NOT a good plan. They refuse to rehabilitate the loan and also refuse payments until this loan is paid off. 
On more than XXXX occasion both XXXX mentioned it was on his credit report and until we paid in full, it would stay. 
Their unwillingness to work with us in order to get this taken care of is just not understandable. I know XXXX other lenders will rehab the loan after XXXX payments have been made in time. Why are they not willing to do this and get full amount of loan back?
On XX/XX/XXXX Credit Adjustment INC contacted me regarding a balance that was owed to the pharmacy counter that was dated XX/XX/XXXX. I never went to the pharmacy counter on that date and at the time I was a minor. I tried to explain that to them and they would not.listen. I also asked them to send out a letter in which the Representarive names XXXX hung up on me. Then I was told by a 2nd representative that it was legal for them to try to collect from me since I now turned XXXX, which is not true. I would like to seek legal counsel for harassment as well as them being untruthful with me.