WillisBack/dataset-financial-user-claim huggingface dataset:
Hello I logged into my Home depot account which is administered by Citibank to check the status of my account. Imagine my surprise when I saw a due date of XX/XX/XXXX when I had just made a payment earlier this month for the original due date of the XXXX of the month. Had I not discovered this it would have sent the account into default and I would have lost the 0 % financing cost which is not due until XX/XX/XXXX for which I will have paid off before then. The only notice I received from Home depot was that the billing website had changed and no change in my due date had happened. I am afraid that many of their customers who are using this option may have their accounts go into default because of this underhanded tactic. Please investigate this issue and force Home depot aka citibank to make amends to any customers that may have been deceived by them.
XXXX is continuing to stick by the lie that they attempted to notify me about my deferment and forbearance periods ending. 
They never did, until my loan was almost in default. Then of course I responded immediately, as I would have if they actually would have attempted to contact me in any way, shape, or form. I believe they deliberately denied me information and avoided contacting me as long as possible to maximize the amount of interest on my loans.I had the same loans previously with XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX/ XXXX XXXX XXXX and never once had a problem with a late payment or communication issue. It is only when my loan was transferred to XXXX that I began to have problems. Not a single phone call, automated or not, to me until I was almost 180 days past due, when I know I should have been in forbearance or had a zero payment due to my income based repayment plan. Seriously if XXXX the only option available to you, it is best to flip burgers. You'll likely come out ahead in the end, read any other complaint listed here or just search for news articles about them on the internet. They are not difficult to find.
I spoke to a representative on XXXX/XXXX/2015 of a debt in the amount of {$100.00}, that was subsequently taken out of my bank account on XXXX/XXXX/2015. The agency promised that If I paid the full amount, which I did, they would send a report to the credit reporting agencies to remove it completely from my credit. As of XXXX/XXXX/15, the account shows paid in full on my credit report, and was not removed as promised. Therefore the agency gave me false statements in order to collect a debt. The agency in question is Bureau of Medical Economics on XXXX XXXX XXXX XXXX XXXX, AZ XXXX
XXXX XXXX XXXX, ( 3rd party collection agency ) acted in a very predatory manner. I found out I had a judgement placed on my credit XXXX XXXX XXXX ' ) by doing an annual credit check in XXXX XXXX '. Once I noticed this on my credit I reached out to XXXX XXXX XXXX. Immediately following my call, XXXX XXXX XXXX placed a garnishment on my wages. The problem is XXXX XXXX sent all court correspondences to my old address from 2013 in XXXX, NC. I had since lived at XXXX different addresses all in Virginia including the address that I was evicted from. After reaching out to XXXX XXXX XXXX XXXX XXXX ' they racked up {$5000.00} dollars in charges on my account and are garnishing XXXX % of my disposable income at {$1000.00} per month. I am a hardworking citizen and right now I am in another position for being evicted as well as defaulting on school loans, auto-loans and such forth. I had no clue about court dates or never received calls or correspondences as attempts to collect a debt etc. XXXX XXXX XXXX told me that they got the XXXX,. NC address off of an " credit report '' which on any recent credit report, has that address listed as it should be and it 's clearly not my last known address. The staff at this company has been rude and mis-leading. They have not come forth with information or ways to assist me, they have simply cut me off, given me shortened answers deferred my questions to their " legal department '' ( A manager named XXXX ), and they will not share any copies or paper trails of information concerning my case and the steps they took to contact me with alternatives to garnishment.
The amount owed was posted twice within a 30 day period. 
I only owe them {$160.00} dollars. They posted a collection with XXXX on XXXX/XXXX/15 and then again on XXXX/XXXX/15.
After struggling and getting sick not only has Santander used this to knock me down more than I already was they sabotaged my credit even knowing what I was goingheough each time they reported my credit dropped chunks of amount of points. Were speaking of 20 points or more. Thats now behind. However I was finally able to get out under a bogus loan and lies that they dealiership sold me and all they can say is Im sorry I managed to get rid of a car that I was consistently paying repair for and got something that is reliable. I trade in the car and had the loan paid off in the month of XXXX. My XXXX still shows balance on the loan and marked late but also as per representative I spoke with todays date its marked XXXX balance for the month of XXXX and reported late. This dropped my score by 20 points yet again. Finally I was able to leave this untrustworthy and dishonest company and even just to do the right thing even after I got rid of them they just had to assure they leave yet wnoth r negative mark on my credit. Its been very hard for me Im sick single mom working my behind off I just need help because fighting them doesnt help. Nor is XXXX willing to help with getting my score back. Please help. Thank you
I made the first payment on my new refi loan online, single payment, as I have always done with the Lender - BOA ( Bank of America ) - The original mortgage ( XXXX ) was with Countrywide which ultimately was converted to BOA. I made the online payment XXXX XXXX, XXXX. Then BOA said something about needing to make test deposits and withdrawals from my bank account to validate the routing and account numbers. These transactions proceeded normally. Without further concern I assumed the payment was made. Then on XXXX XXXX, XXXX when I reconciled my account ( statement attached for reference ) with the bank source of funds I use for paying my mortgage I noticed that the payment had not been drawn. I immediately called BOA and was put through the touch tone misery and spoke to three representatives before I finally was convinced no one had any idea of how those test transactions had occurred let alone actually caring about anything other than my payment had not been made - I made it with a {$5.00} penalty and a {$20.00} fee for the telephone transaction. I am upset that now this will have an impact on my credit rating which has been pretty good up to now since I separated from my wife in XXXX. Nevertheless, even more important than that, I am concerned that BOA uses tactics such as this to deny any knowledge of a transaction, despite it being their website that accepted it and their engines that made the test transactions. Further, it is the same pathway I used to make payments on my new BOA credit card - that did not require test transactions and went smoothly. I also used this account to pay my mortgage with BOA which was refinanced so they had my banking information all along. I submit that they use this as a method to raise their income. I point out that it does an effective job at degrading customer satisfaction- good faith and trust. I will never recommend BOA to anyone except as an example of a heavy handed institution that uses deceptive practices.
XXXX XXXX XXXX sent credit card bill to wrong address. 
Even though they received bill back in mail as undeliverable they never tried to contact me by other means such as : my home address, telephone number, and E-mail address that they had on file. 
This account was sold to XXXX XXXX on or about XX/XX/2018. 
This account was settled with Citi Bank on XX/XX/2018 after they called me by phone. 
XXXX XXXX XXXX reported to TransUnion as adverse account with incorrect address. 
When i called XXXX about correcting this problem they told me the account was sold and they had no records and could not help me. 
When i called XXXX XXXX they said it was not their report and i must work with XXXX XXXX who must have records. 
Someone is obviously lying.
XX/XX/XXXX I went to purchase a new vehicle. They was to run my credit with the finance company that I had already finance my car with. A few days I am receiving multiple letters from different banks etc. On  XX/XX/XXXX , I received a letter from   XXXX   XXXX  . It states that SageStream , LLC used my credit to make a decision. I did not authorize this company nor any other company to pull my credit. I do not know who this is. I have contact this company, with no results. I have   XXXX   to find out how I can get a better resolution.
Hope this will be the best result.
Thanks
There were several car companies that inquired about my credit when I didn't give them permission to. I reported it to XXXX, TransUnion, and XXXX and they haven't removed them from my credit report. The following creditors inquired without my permission : -XXXX  -XXXX XXXX XXXX XXXX -XXXX XXXX  -XXXX XXXX XXXX -XXXX XXXX XXXX ( XXXX ) -XXXX XXXX XXXX  -XXXX XXXX XXXX   -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX  -XXXX XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX  -XXXX -XXXX XXXX XXXX
Bank of America has consistently been unwilling to work or resolve my complaints about my account, specifically in regards to overdraft fees. It is because of my overdraft fees that I am unable to keep current on my account, I have incurred hundreds of dollars ( over {$1000.00} ) of fees from the bank from the last year alone while not having a large income by any means. This has left me in a cycle of being short on funds to pay for bills and committed to the bank.
On XXXX XXXX my home that has a mortage with Mr. Cooper Mortgage company was damaged during Hurricaine Irma. My home is located in an area that has been designated as a major diaster area. My loss to my home is not covered by insurance and Fema denied help as I do have insurance, even though the damage was not covered by insurance. 
On XXXX XXXX, XXXX I call my Mortgage Company ( Mr. Cooper ) and asked if they offered any type of  foreberance for victims of a national diaster. I spoke to XXXX XXXX, and she advised me that they did offer a plan where she could suspend my mortgage payment for 3 months, and that it would not reflect on my credit and that the payments would be added on to the end of the loan, without any penalty or added interest. Today I received in the mail a letter stating that this is not true, that the option to add the payments to the end of loan was not an option. I based my decision to temporarily stop paying my mortgage for 3 months on what I was told by XXXX XXXX. What help is a forebearance if the money is due at the end of the 3 months. I feel XXXX XXXX an employee of Mr. Cooper gave me fraudulent information that has caused me to now come up with the missed payments or could face foreclosure.

I called Mr. Cooper today and spoke to another young lady who had no definite answer to what will happen in 3 months, she said they could forgive, add it to the end or ask for payment in full. I then spoke to a supervisor who told me that my only option was to pay the missed payments at the end of 3 months. I believe I was fraudulently misled and now I can possibly lose my home to foreclosure if I ca n't come up with the missed payments, that I was told would be added to the end of the loan. This is not truth in lending.
I applied for American Express credit card online 2015 which was never sent via mail. I got in touch with American Express to find out if I was approved, they said they sent a card, I told them I never received it, they said they would send another card, which I never received. I did n't receive anything from American Express until a year later for a charge of XXXX $ for apparently being a member. I never used any service with them, or receive the credit card via mail. I called them about the charge and let them know I never received the card or used any of their service so they should cancel the account and remove the XXXX $ charge which they refused.
Hi, I am trying to get money from  XXXX  and my bank chase is not sending over my info quick info and now I ca n't get the money I need. Please send over my info.
Under the counsel of my HUD advisor, I had sent an appeal request to my lender US Bank Home Mortgage in regards to a denial letter dated XXXX/XXXX/2015. According to their denial letter, my appeal needed to be submitted no later than XX/XX/XXXX XXXX,2015 I sent my appeal letter directly to my relationship manager as well via certify letter on XXXX/XXXX/2015, and I also gave my relationship manager a call letting her know that my appeal letter had been sent. ( left a voice mail on XXXX/XXXX/2015 ) no response. I left a second voice mail on XXXX/XXXX/2015, no response. Being concern that I was hearing from my relationship manager, I called again on XXXX and talked to another agent from US Bank and I was told my she would pass on the message to my relationship manager because she was the one in charge of my file. 
On Monday the XXXX, I had a missed call from XXXX XXXX XXXX, my relationship manager, I called her back on this day ; but I was not able to talk to her. Finally, XXXX XXXX called me on XXXX telling me that because I had sent my correspondence to the wrong department, US Bank Mortgage, XXXX XXXX XXXX XXXX, MN instead of US Bank Home Mortgage, Escalation Center, XXXX XXXX XXXX XXXX, MN. and despite the fact that I had also faxed the appeal letter directly to her on XXXX/XXXX/2015 they were no longer considering my case, and she suggested to sell the house. 

I related this answer to my HUD counselor and she advise me to contact as soon as possible the Consumer Financial Protection Bureau
I am a XXXX year public servant With who qualifies for the Public Service Loan Forgiveness program. However Navient entices me to re-finance into a loan product that does not qualify for the program, therefore costing me approximately {$130000.00} in loan forgiveness.
PCR wh a private company collection agency. I owed some back taxes to NJ. I got a notice from the State. I paid it! 
Then PCR said I also owed a penalty to the State BUT they also added on {$3000.00} for collection to them, PCR. 
I feel this amount is outrageous!
The dates for which this loan was applied for was in XX/XX/XXXX. I was signing up for vocational training at XXXX XXXX in XXXX, California. Only went through the admissions and financial aid process. Informed school I would not be attending and federal loan was never used. I have been sent multiple letters in the mail as recent as XX/XX/XXXX stating I could be forgiven for the loan I borrowed, but I never borrowed the loan. Never saw a cent of it and never went attended a single day of school at XXXX XXXX. XXXX XXXX XXXX reports my to my credit report three different loans being accounted for ; Listed as two accounts being opened XX/XX/XXXX and being closed on XX/XX/XXXX, and another account being opened XX/XX/XXXX and being closed on XX/XX/XXXX. I have filled out their return letters stating I have never used their loan and to please remove the accounts from my background, but it remains on my credit report.
Experian is reporting a bankruptcy that was discharged and I disputed, they stated they verified the bankruptcy thru XXXX which Not did they provided False information and is a violation of the Fair Credit Act I have enclosed a letter from the courts they Do Not Verify Bankruptcy I want this deleted from my credit report
I am a male. My husband and I are both males. We both recently applied for a credit card from discover. 
Shortly after we received a phone call from one of their representatives. 
After confirming my information he said that i was approved for a credit card. 
Then i asked him to check my husband 's application status. 
He said that he wants to talk to " HER ''. I repeated that he is my husband and that he 's a male. 
Then he asked to talk to my " WIFE ''. I repeated again that he is a male. 
After that he said " Oh boy! '' I asked him twice : " Did you just say that? ", He did n't answer. 
He asked his name and he said that he ca n't understand me and he wants him to call the same phone number back and talk to someone else. 
I was shocked that this kind of discrimination can happen at such a big company like discover especially on our first day of our business relationship. 
I called his supervisor to complain about his behavior. I was able to record that call. After a couple of hours she left me a voice mail confirming the whole situation and she said that the person is just going to be reprimanded and trained. 
I called her and asked to cancel my credit card. She said that she can try to do so and will call me back the same day. She never called back. 
I 'm so upset with Discover especially after they still want to have a homophobic employee working for them after " training ''. 
This situation is horrific and not acceptable.
My name is   XXXX   XXXX   of  XXXX , NJ. I purchased a  XXXX   Hyundai Sonata fr om   XXXX   XXXX   Hyundai DBA  XXXX  Hyundai @  XXXX    XXXX   XXXX    XXXX   XXXX , NY  XXXX . The car 's list price was {$29000.00} and a  Service Agreement of {$3400.00}. I ended up financing {$35000.00}, with a finance charge of {$24000.00} ( 18.99 % APR for 72 Months ). My monthly payment was {$830.00}. The total sale price was {$65000.00}. I gave the dealer a {$5000.00} downpayment, part of which he told me would be applied to my first monthly payment, and the rest would be applied to the downpayment of the car including Motor Vehicle Fees and taxes. My complaint is that  on   XX/XX/XXXX  the  car dealer advised me to sign the blank contract as I had my child, was in a rush for work, and he would fill in the details based on our verbal agreement. To my dismay, upon receiving a  XX/XX/XXXX  letter from Hyundai Motor Finance I had a contractual agreement to pay twice the amount of the value of the car. This is in stark contrast to the dealer 's prior verbal assurance that my car payments would be no more than {$320.00} per month.The dealer pacified my complaint by telling me that he would rectify the matter with a new contract, but I should make payments as to not run in default on the contract. Coincidently, a majority of my payments are applied to the interest and not the principal. Eventually, I could not keep up with the payments, after losing my job. After the last partial car payment on  XX/XX/XXXX , and a verbal agreement with the finance company to pay the balance the following morning, my car was repossessed the following day. Subsequently, the repossessor sold my car for {$9000.00} at an auction and is now harassing me for {$23000.00} to be collected by  XXXX   XXXX   ,   XXXX  (  Collection Agency  ). Please help as this is ruining my credit, placing me under  XXXX . I am a single mother o f a  XXXX -year-old chil d who was born with  XXXX  and has had  XXXX   XXXX , which is causing financial and  XXXX  hardships. Please see attached file of documents to support my claim.
I have recently been in contact with XXXX XXXX on XX/XX/2018 and XX/XX/2018 in regards to a monthly payment increase on my student loans. The program that I was in and able to maintain was {$210.00} and has now increased to {$460.00}. I called XXXX XXXX to ask if the payment could be lowered to an amount that I could maintain being that I am the sole provider in our household due to my husband returning to school full time for an XXXX XXXX XXXX program. When I spoke XXXX at XXXX XXXX I was asked to provide my financial profile including monthly income from my job, expenses such as rent, car note/insurance, groceries, cable, and what I currently have in my checking and savings account. I was then told that XXXX XXXX would need to contact my co-signer who is a XXXX year old retired veteran, my grandfather was harassed about his monthly income and payments and was told that if he was not providing enough information. I was then asked by XXXX XXXX what are you willing to do to maintain your payment because based on your credit profile you are not able to maintain your payment. I was then informed by XXXX at XXXX XXXX that my request was denied to lower my monthly payment or offer an alternative method. I begged them and never once said that I was unwilling to make a payment, I simply asked to lower it so the loan would not be defaulted and I was denied. XXXX then asked for my routing and account number and stated that my interest rate would be lowered .25 % if I enrolled in automatic payments which did not lower the monthly payments.
I just recently noticed a charge on my bank account from XXXX for {$29.00}, and also from Experian ( XXXX ) for {$24.00}. I called my bank was given a phone number to XXXX XXXX and to Experian XXXX. I first called XXXX and they could not find anything on their system with my name, address, phone number, last XXXX digits of my debit card or e-mail. I was advised by " XXXX '' to go to my bank and file a dispute report. I went to my bank and then also notice the charge from Experian, so I filed a report against both agencies they destroyed my debit card and I was issued another one. I have been charged {$29.00} and {$24.00} since XXXX 2014. I then called Experian but again just like XXXX they too could not find anything not even with my social security number. I was asked for the debit card number to be able to pull up the account. I called my bank obtained the number called Experian and that debit card number is tied into a person by the name of " XXXX XXXX ''. I was then advised to go to my bank I informed them I already have but my bank will reimburse me for the last 2 months only. I was told by XXXX from Experian that they could not refund any amount. I told XXXX that their company is supposed to protect us from people like " XXXX XXXX '' and from companies like " Experian ''. I recalled enrolling to a travel agency company around that time giving my debit card number being charged {$1.00} for the first month and would need to cancel account so that I would not be charge on a monthly basis. I knew that I had enrolled with this travel agency so I cancelled my subscription but with these XXXX credit agencies I was initially charged the {$1.00} and they continued charging my account because I never cancelled my subscription. I never cancelled because I did n't know that I was enrolled with these agencies I never received any correspondence, e-mails or phone calls, and I would n't have received anything from them because they had none of my personal information other than my debit card number which I still do n't know how they obtained.