WillisBack/dataset-financial-user-claim huggingface dataset:
I wired {$2000.00} on XX/XX/2018 to be deposited into my Coinbase account, but no funds ever showed up in my account. I have confirmed with the receiving bank that they credited Coinbase with my funds. I have emailed Coinbase multiple times in an attempt to resolve this issue, but they have never responded, and the funds have been unaccounted for for over 3 weeks at the point in time. I have asked the receiving bank to reverse the funds, but they have been unable to reach Coinbase for approval. I have also tied to reach Coinbase by telephone, but I only get a recorded message to contact them through XXXX, which is where I have been sending my previous messages. It seems to be effectively impossible to contact Coinbase.
I was doubled charged on my debit card for a purchase I made 15 days prior which I paid in full, I've already had overdraft fees and charges refused on my account from auto-pay accounts that I have. This is a problem that the company has been aware of and has taken no steps to protect their customers.
Roundpointcontinue to contact us and failing to provide evidence and proof of steps taken showing how they calculated the amounts. I have documentation from assessor office of XXXX XXXX XXXX. Concerning property XXXX XXXX XXXX XXXX Louisiana XXXX qualify for special assessment, we also have documentation from fema confirming flood insurance is n't a requirement so it 's a little disturbing as to way this company is reporting incorrect information and another thing roundpoint states roundpoint paid XXXX county incorrect. This company is out just to capitalize of my husband and I and to manipulate the system for its own gain we are feed up. We are requesting that CFPB take corrective action thi matter have gone on a lil too long and a resolution is demand.
i got a approve for a charge card and a business card blue.I was paying on time minimum Payment! On XXXX cards, then a bill come on then out the blue sky i get a bill with no minimum so i call and was told policy change and i now can only pay minimum on the credit card blue business card, But the XXXX card need to be payed in full AND WHERE DEACTIVATING YOUR XXXX BUSSINESS! I told them im running a business and they said okay you can get XXXX swipe to order inventory .you think it happen absolutely not! i told them this is fraud! I Kinda new something was getting fishy when every retailer here in connecticut including the XXXX DO NOT ACCEPT AMERICAN EXPRESS THERE REPLY WAS THERE TRICKSTER! 
& experience is the best teacher! my cash advance atm was cut short no bank would give me the rest of the money i went every bank! american express short change trick me!
I opened a cd with a term of 18 months. The bank renewed my cd without my knowledge or consent.
I have reached out to the XXXX XXXX XXXX XXXX on XX/XX/2018 to  arrange the payment I owed them for the apartment complexes. I paid them full amount, I spoke to the manager on that location on XX/XX/2018 to be able to send me a deletion letter meanwhile it was taken off my credit. She told me to call the National Credit systems to get that form. I called them and they only sent me a settlement letter, I asked for the deletion letter and they said they wouldnt do it for me after I told them that the XXXX XXXX   XXXX XXXX apartments manager told me that they would be able to send it to me they still refused to do so after they agreed to.
I had a USbank Master Card. There was a fraudulent charge made on card on XX/XX/XXXX for {$370.00}. I challenged this by phone and closed account as USbank could not provide many any info on this charge. I did speak to them on the phone about this. On XX/XX/XXXX I received a notice that USbank determined charge was fraudulent. I have received bills from USbank charging me interest and penalty for fraudulent charge. I've gone ahead and paid all charges at end of XXXX just to have them go away, but I continue to receive bills from XXXX. Received one today ( XX/XX/XXXX ) by email.
I 've been unable to pay. Was put on a payment plan that I did n't know about it ca n't afford to pay and I 've stated this to them.
Franklin Collection has refused to remove debt from my credit file after I sent them numerous letters certified mail detailing that those debts are not mine. I have sent paper work with Affidavits and police report that the debt was n't mine but they refuse to remove it from my credit file. They are refusing to remove the illegal debt. I told them several times it was n't my debt but they insists on trying to make me pay the debt.
I had a personal loan from TD bank, that I had set up auto payments from my bank account. For various reasons last   XX/XX/XXXX  I had asked to have the bank account # that the payment was being auto debited from  changed to another account, as I planned on closing the current account.
 On   XXXX   XXXX  , 2016 I received confirmation that the automatic payments was set up to pull out of the new account#, however even though I received the confirmation that the payments were set up to pull from the new account, the payments were still trying to debit  from the old account# thus causing me  to be delinquent. I was advised from the banker that was helping me to go in a branch and make the payment or to mail it because she couldn't guarantee that the payments would pull correctly so just to make sure I should make the payments in person. This was causing me to either make double payments, because I never knew when and what their system would actually do.
 After numerous calls, email, letters, repeatedly to attempt to fix the problem, I was assured everything was fixed, however I continued to receive a past due notices  EVERY MONTH TILL TODAY, which concerned me as I knew I had made all necessary payments. I made many calls, and expressed my concern and worry that my credit would be impacted, not to mention I was concerned there were no fees charged, but I was told, NO LATE FEES< AND NO LATED PAYMENT HISTORY....! 
After several months of the delinquent notices, again I had concern  something just wasn't right, so I called again, and this time, the person I spoke to finally admitted to me that I had in fact been charged late fees and it was showing as being delinquent.  How upset do you thing I was???
After speaking with 5-6 more TD employees, the final word was that somewhere in all the chaos they were showing one payments was not made in   XX/XX/XXXX , months late r, now, event though I know all the payments were made. I attempted to get all my old records, however, the bank I had my account with was sold, and the new bank was requiring a $ XXXX  research fee to give me my record.  
No need to tell you how angry I was, and at this point I had enough and all I was going to take from this terrible nightmare, and not to mention all the time I have spent with all this back and forth, I was done at this point. I continued to call and demanded that all my funds be refunded, and if my credit was impacted, I would be hiring an attorney and I had every intention in pursuing this, but at the end of the day I just want all my fees refunded and I would pay off the loan and be done with all of it,, however, they are now not returning $ XXXX  in fees just because they feel they can. I work in the   XXXX   XXXX  , and never , ever,  have I  seen a customer been treated they way I have from TD Bank.
I send letters to Credit Bureaus for months and I don't seem to get anywhere! They refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
SunTrust Mortgage , Inc is refusing to endorse and release funds from a insurance claim to me in order to have the repairs completed on my home. There is not heat or A/C in my home and the risk of damage increases each day they delay this process
On XX/XX/XXXXI was granted a discharge of my student loans due to a XXXX. At the time of my XXXX  discharge I was current on all my loans, and have been in deferement. My Loans are with XXXX  and XXXX XXXX XXXX XXXX as, well as XXXX. On XX/XX/XXXXit was reported to all three credit Company 's EXPERIAN, XXXX & XXXX   that my loans were discharged closed with XXXX  balance. I got a letter from XXXX & XXXX that they were sending over a request to update all my student loans with a XXXX balance. I got a email from XXXX in my XXXX  inbox account stating XXXX also was going to request the late payments to be removed as, my loans were in admin forbearance during the 90 day late payment inXX/XX/XXXX. I have proof of bost I have submitted disputes after disputes with all three EXPERIANXXXX  they refuse to remove the late payments, or close my student loans that have been discharged. These accounts were in good standing with no late payments. Also Experian/XXXX   transefered to another lender there is only one lender.
I have inquiries on my credit report that I didnt authorized. Some inquiries are duplicates too. These are damaging my credit report and I would like them removed.
XXXX XXXX recently became the servicer for my perkins loan from XXXX University. I am eligible for cancellation of my perkins loan due to my employment as a XXXX. Through my prior servicer I had several years of service and portions of my perkins loan were properly cancelled. I submitted a new request to Heartland and received no response. I followed up with Heartland and they indicated they had denied the request because the employer stamp or seal did not include the employer 's address, although the employer routinely uses this seal and the employer 's address is listed above on the form. No requirement that the stamp or seal include an employer address is listed anywhere on the cancellation form. Further, despite XXXX 's assertion, I received no notification of any problem with the request, by email or by mail. I would be interested to know how many cancellation requests are improperly denied simply because the corporate seal does not include an address - something most corporate seals do not include.
I HAVE NO IDEA WHAT THESE CHARGES ARE FOR. I HAD XXXX SERVICE IN XXXX 2009. MY PLAN WAS UNLIMITED TALK TEXT ETC. AROUND XXXX XXXX 2009 THEY BILLED ME FOR SOME OVERSEAS CALLS CONCERNING A COMPANY NAMED XXXX XXXX??? WHICH I NEVER HEARD OF AND THE AMOUNT OF THE FRAUDULENT CHARGES WAS ALMOST {$300.00}. I DISPUTED THESE CHARGES VEHEMENTLY BUT THEY WOULD NOT REMOVE THEM AND DID NOT PERFORM ANY TYPE OF INVESTIGATION. I CANCELED MY SERVICE AND I DO N'T KNOW HOW OR WHY THEY ARE REPORTING THIS AMOUNT AS MY DEBT.
I do n't know who this is they called my XXXX year old mom, made her very upset called my brother called my two sisters and called my cousin and my in laws saying he is looking for me but upsetting my entire family. Never once sent any correspondence to me. A place of business usually sends mailing and correspondence in the mail not calling ones entire family upsetting them. This is harassment NOT business. If you are trying to reach me mail me something.
Re Case # XXXX After speaking with a representative from the CFPB about the response I received from Cooling and Winter not addressing my main issue at this time, it was suggested that I send a new complaint, supply feedback and/contact an attorney. 
Since I had contacted an attorney and regarding this issue, and had been told that with the information provided I can't verify who owns the debt. C & W states that they are handling the account for XXXX, but I have yet to receive proof, only copies of statements mailed to me of who owns the debt from XXXX. I did receive a letter from C & W stating that they are basically working on behalf of XXXX, but did XXXX sell it or have another company handle it, then take it from them and gave it to C & W to be handled? I'm just simply wanting to verify because I have a letter from another debt agency asking for payment of this same debt and all they sent me as proof was the same statements. I was informed that Ga law specifies that there should be a Bill of assignment. Each assignment should show who had and released ownership to where it is now. I respectfully request competent evidence from C & W of who owns the debt, as required by Fair Debt Collection Practices, so that I can have proof should I need it in the future. Yes did speak with an attorney when I showed up for court, and we did discuss a hardship payment arrangement ( one that XXXX XXXX XXXXXXXX, which you state you are representing, would not agree upon while yet giving C & W the authority to do so under the same financial circumstances, yet they tout being loyal to their customers. They apparently would rather assign a company to process a lawsuit and give them permission to work out an arrangement, rather than work out a payment arrangement under the same financial circumstances. ) I need to know that when this is resolved, I have proof of the account being assigned to each company ending with C & W. If it is indeed the law, I just need those assignments for my records. If it is not the law please state this so I can confirm. 
Anyone in my same position, I would assume, if two companies are asking for the same thing and both are providing the same proof of ownership. One, C & W is suing while the other has not yet taken that step, who's to say that if an agreement is reached that the other company will not come in and do the same. 
I too want this resolved as expediently as possible. I appreciate that C & W stated that they want to cause no inconvenience, I just want to make sure that what was stated by the attorney I spoke with is resolved in a timely manner prior to the court date which is quickly approaching.
On XXXX i transferred money through XXXX, using XXXX balance, to an inactive account. The owner of the account initiated customer service help at XXXX  right away to have the money returned since she could not get into the account as it was inactive. The receiving account owner worked with XXXX XXXX who informed her that she had accidentally activated 3 accounts and deleted 2 accounts leaving 1 active and would initiate the refund to my XXXX account. Nothing changed and the owner then recontacted XXXX  and spoke with XXXX XXXX who was supposed to locate the funds and return the funds to my account, but that if I wished for an update I would have to call directly. I initiated corresponded with XXXX XXXX who told me that the owner of the other account needed to contact XXXX. We then tried to CC each other to read responses for which XXXX XXXX responded that she would help locate the funds to get them back to my account. She also advised that refunds from XXXX   balances are immediate, but i show no refund transaction. At this time all correspondence from XXXX   has ceased.
My wife and I filed bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. The account we are having problems with is a private student loan that I was a co-signer on for XXXX  XXXX XXXX account # XXXX. This account was discharged in the ch. XXXX bankruptcy making myself no longer legally responsible for this loan, and No account balance or delinquency should be shown on this account on my credit report. The credit agency Equifax absolutely REFUSES to report this information correctly. Equifax is still stating that this account is delinquent and that a current balance is owed. Even though on XX/XX/XXXX, Equifax, sent me a credit file Confirmation # XXXX stating that they hired a third party vendor named XXXX, and that company determined that US Bankruptcy Court-XXXX Discharged this XXXX  XXXX XXXX account in a Ch. XXXX bankruptcy on XX/XX/XXXX Case # XXXX. The credit file also states that the account with Equifax has been updated to show that it was included in the bankruptcy and that there is no amount past due, no payment amount due, and no balance. Yet with all this information that has been provided to Equifax over the last 8 YEARS, multiple times, this company still ABSOLUTELY REFUSES to legally report what was ordered by a court of law. I have filed a complaint with the CFPB before on this matter, I have made several calls to Equifax, and I have also requested help with a credit repair agency. Enough is Enough. I want this situation rectified immediately. This company has illegally harassed me long enough.
I have tried over and over again to work the the debt collections companies to get these debt remove. The debt they claim I owe does not belong to me. I have sent both companies documents to prove so and I never heard a response from neither of them. I do n't know what to do because I 'm so fed up. These bad debt is causing havoc on my life and I need this negative information taken care of.
My credit was pulled by my loan officer for a mortgage application on XX/XX/XXXX. My loan officer notified me of a collection being reported by XXXX XXXX that I was unaware of. The loan officer notified me I would have to contact Midland to resolve this issue. 

I called Midland and was told the account number I have was incorrect ( they changed the number when they acquired the debt from the original credit card company-XXXX XXXX ) they found it by entering my social security number and then notified me that as of the day the credit was pulled, XX/XX/XXXX, this is " being serviced by XXXX and I would have to call them, provided me a phone number and hung up on me. 

I contacted XXXX and was told they just acquired it and it would take up to two weeks to " load it into their system- I would have to call back ''. I have tried for a week to obtain the information to pay this debt and have been unable to talk to anyone who can or will assist and take my payment. 

I offered to pay Midland in another subsequent call, as Midland is the company reporting the collection on my credit report. They said NO, I have to deal with and pay XXXX, even though XXXX is not the company reporting this on my credit report. 

As of the filing of this complaint, this remains unresolved as they say they have no clue who I am or what I am trying to take care of, I am stuck calling them waiting for them to decide to cooperate and let me pay this. I am very frustrated. 

While searching the internet about XXXX I found something indicating there is a class action lawsuit against XXXX.
On Friday, XX/XX/2018 a representative of National Credit Systems , Inc. called my wife, and in the course of the conversation, threatened to damage her credit, and said that they could report the debt to credit reporting agencies at any time.
FAMS called friends and family members that I had not disclosed their personal numbers to inform them of my debt. What is eerie is how they acquired this information because XXXX family member they called, in particular, was my grandmother whom lives in a geriatric community. They called her house phone ( land-line ) when she does not even live in the states. She had no idea of my student loan because I did not want her involvement, and she has a XXXX XXXX. She called me crying and nervous because FAMS had called her saying I was in trouble and she needed to confirm my address and cell number. She asked what they wanted with me, and they told her that I was in trouble and she needed to help them help me. My grandmother was called three hours after my uncle, whom also was not informed of my debt, and was phoned on his private cell. XXXX do not live in the states, of which FAMS knew, because they sent operators to speak in XXXX. In addition, my uncle, whom does speak English, had confirmed to them my information, to which they disclosed my debt. Hence, why did they call my grandmother three hours after they had illicitly spoken to my uncle, whom confirmed the information they supposedly did not have? Those are only XXXX, atrocious examples go the violation of privacy and dignity FAMS caused against me. They called my family, whom did not know, and suspiciously acquired their information. Absolutely none of the information they have on me uttered these family members names or information, particularly because my " uncle '' is actually a third cousin of my mom, whom I call " uncle '' out of love. When I confronted FAMS on this situation they lied, and claimed that these people were listed as " recommenders '' for my loan. My XXXX grandma with XXXX and poor XXXX did not write me a student loan recommendation. In addition, I would never tell my family of my student debt, especially my uncle. It made no sense. They then proceeded to apologize, but never to told me how they got the information. FAMS is supposed to be in association with XXXX, which had my loan prior. Thus, they already had my number, email address, and address. They did not need to call anyone and did so to embarrass me through cruelty.
Transunion is failing to provide me the information provided to them saying it is valid i am Requestion the Transunion provides me with the proof of these ACCOUNTS that they says is verified within the day that they have i want the copy 's from transunion telling that this account is mine if they can they by the law they have to get rid of the account.
To whom it may concern, I have been enrolled at XXXX  University at the XXXX XXXX XXXX for approximately a year in their XXXX XXXX XXXX XXXX. I would have been done with my classes in XX/XX/2019. At our first day of the summer session we got told about our campus closing.Not only have the students not been told anything or guided in a direction to help them succeed, but the faculty has also been left in the dark. Some of them not even knowing when their last day will be or if they will get paid a severance. We were told that XXXX  University did not file bankruptcy but got a letter in the mail stating that XXXX did. Our biggest concerns are that some students are 20,000-30,000 dollars in debt now due to the classes we have taken at XXXX , but most of them won't transfer to other colleges. We don't want to be in debt and have to transfer and get in bigger debt retaking the classes that we have already taken because they won't transfer. We don't know what we need to do to get our loans forgiven or see what our next step is. We are hoping that filing this complaint will give us some direction on what we need to do to get our loans forgiven. 

Sincerely, Frustrated XXXX student
Allied Collection Services is reporting on my credit report for XXXX XXXX ( a payday loan company ). In the state of Arizona pay day loans are illegal. I 've contacted Allied and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
Reference to Case number : XXXX Unfortunately, the representative of US Bank did not address my complaint accurately and specifically explaining why the loan application was mishandled from the beginning : - I would have promptly clarified the contradictory information if was brought to my attention immediately without any delay. 
- As I mentioned, I have over 25 years of gainful, professional employment with XXXX earning a very good amount of money each month, with or without extra allowances and I have a saving over $ XXXX in my 401K - Still US Bank is challenged calculating basic math : My monthly income without allowances is XXXX. Common sense dictates that an employer would not give {$16000.00} for a house and car allowance. The actual house and car allowance. Equals XXXX a month. Please review your calculation again - I believe this process has been made particularly difficult and lacked transparency. I.E. I was not informed about the program requirements. Can you provide the DTI ratio? What is the minimum down payment? 
- As the process unfolded, I began to wonder if my status of being an XXXX living in the XXXX XXXX played a role. 
- This protracted process of securing a loan and its eventual denial caused considerable emotional anguish for me, my spouse and particularly for the sellers. 
- As a buyer, I can not recover from this failed transaction, because the seller put this special house right back on the market and immediately went into escrow.