WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I contacted Renton Collections Inc and made a {$75.00} payment on a {$350.00} collection balance. This debt was originally a medical bill from XXXX XXXX XXXX XXXX, Washington. After making that partial payment, the collection balance should have gone down to {$280.00}. 

On XX/XX/XXXX I contacted Renton Collections Inc., of XXXX, Washington. again to clarify my collection balance and pay off the correct balance in full. Their representative at that point verified my personal information and informed me that I had a balance of {$330.00}. I asked her why my balance isn't reflecting the partial payment I made in XX/XX/XXXX, and her response was that they are charging an interest rate on top of my original medical bill. 

I am submitting this complaint in reference to the Fair Debt Collection Practices Act, section 808, line 1, which states the following : 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

This means that, unless the original creditor, or to whom the debt is owed to, has already included in this debt any interest or fees, and/or has disclosed in an agreement creating the debt that interest is to be charged on any balance, it is against this law for any collection agency to collect interest on such debts. This even more applied to medical bills as hospitals do not charge interest for services provided!
I bought a car back in XX/XX/2016 at XXXX XXXX, I was told that the term was for 72 months starting XX/XX/2016 at a rate of 4.99 % I financed {$15000.00} and my payment would be {$250.00}. However as I was making my payment today I noticed my term set with capital one auto was 73 months. This is suppose to be a fixed rate loan but the interest I 'm being charged fluctuates month to month which does n't makes sense. So I spoke to XXXX a representative and she told me they calculate the interest as simple interest payments which was never told to me so over the course of the loan since XX/XX/XXXX I 've paid {$460.00} year to date. When I calculated my payments {$15000.00} with a interest rate of 4.99 % = total cost of car loan {$18000.00} over 72 months would be a monthly payment {$250.00}. So that means my interest charge should be {$2500.00}. On my contract they have interest charges as {$2500.00}. This to me is cheating me out of my money on interest and penalizing me for paying my car payments early As it seams they are trying to collect their interest within the first 2 years of the loan. So if I ever refinance their interest would have already been paid but my principal would have hardly moved making me pay more interest on principal with another lender if I 'm not so lucky to get another loan with a lower rate. My credit score is n't even terrible so not sure why my rate was so high to begin with they claimed cause it 's a used car.
XXXX reported to credit bureau that i owed $ XXXX.i have never had any dealings with XXXX of any type nor received any contact from them.checked my annual report in XXXX and that was the first i knew of this account that is not mine.filed complaint with trans union two times, they asked for documentation?? if i never had any dealings with XXXX, how can i have documentation?? i have a prepaid XXXX for 5yrs.and a XXXX, never had XXXX.do n't know how someone purchased it or ran up a bill of {$2700.00} without making any payments before it was closed by XXXX after 6mo.i do n't know how to resolve this, i 'm a retired elderly person and can not afford to hire someone to correct this.XXXX deleted XXXX after they investigated.the above case number is for trans union.
I was enrolled in the XXXX XXXX in 2007 at XXXX University. 
I was getting student loans to cover my living expenses, and at mid-term i did n't have the passing score that they required, but was n't aware that i had to have a perfect score at midterm. It was the only program in XXXX that required that. They did not let me return and finish the rest of the semester, so they kept my tuition for the rest of the semester. I could not sign up for other classes because it was in the middle of the semester. i went through the process again the following year with yet the same results. I lost my student loan tuition and got behind on living expenses and had to file bankruptcy. Since that period of time they have now reconstructed the program and does NOT require a perfect score at mid-term. Under my financial conditions, there is no way I can pay any amount. This is the Chase account number : XXXX
Synchrony bank charged me a fee on an automatic payment that was made within the statement due date through their automated website process. I believe they do this as a regular practice against consumers. When corrected, they still show a balance due and can not fix it.
I have a commitment for a mortgage from XXXX. They also owe me {$490.00} for reimbursement of the cost of an appraisal. I have telephoned their mortgage specialist numerous times over the past nearly two months for an update on the status of the loan and reimbursement without a response on their part. It is very frustrating that neither the specialist, XXXX XXXX, or his supervisor, XXXX XXXX, are returning my calls.
I opened an account with Wells Fargo after seeing an advertisement for a {$200.00} bonus after making 10 transactions with the account each month for 3 months after opening the account. I opened the account, made all the transactions, and still have not received my bonus. I completed the transactions on XX/XX/18, and the terms of the offer were that after completing the terms, the bonus would be deposited within 45 days. It has been 54 days, and I still have not seen the bonus. I know Wells Fargo has a history of not treating customers fairly and misusing information, but this just seems unfair when a company refuses to honor the bonus.
I have notified Experian numerous times, even sent a police report, letting them know my credit report is being accessed by unauthorized parties. I 'm including a notarized letter listing these unauthorized accounts and inquiries.
I opened a Citigold Checking account with promotional code XXXX, which awarded XXXX XXXX XXXX miles for making XXXX bill payments in consecutive months and making {$1000.00} in purchases using the corresponding debit card ( XXXX within 60 days of account opening ). After completing the requirements, I confirmed with Citi Online Chat Representative " XXXX '' on XXXX/XXXX/2016, who informed me that I had met the requirements on my account. XXXX stated that the miles would post within 90 days from the end of the statement period in which the requirements were completed. These were completed in XXXX, meaning the miles should have posted by XXXX/XXXX/2016. After not receiving the miles as of XXXX/XXXX/2016, I inquired of the status via another Online Chat. Citi Representative " XXXX '' said they would launch an internal research investigation. This investigation took an absurd 24 days to complete ( on XXXX/XXXX/2016 ). The results of their research claimed that I did not make the required debit card purchases within the necessary timeframe. Not only is this incorrect ( I re-reviewed my account activity and confirmed that I made over {$1000.00} in debit card purchases well within 60 days of account opening ), but this is also contradictory to what the Citi Representative said to me on XXXX/XXXX/2016 when they confirmed I completed all eligibility requirements. Furthermore, when I gave them XXXX last chance to make good on this promotion by responding and confirming on XXXX/XXXX/2016 that I made the required debit card purchases, rather than awarding me the miles, they said they would open another investigation ... which will likely take another ridiculous amount of time. Citi is either lying and/or hoping I do n't have the records to prove I completed these eligibility requirements and am entitled this bonus. I completed all terms of the promotion and they confirmed this to me, yet they delay and delay and delay. I can only think that they hope I simply forget about this and let it go, but these practices are dishonest and extremely disappointing.
I have inquires on all my credit report that was not authorized my me.  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , I 've send letters and made numerous phone calls to have this inquires removed.
Mortgage abruptly changed to a new Servicer ( from Imortgage to XXXX Mortgage ). My payments are automatically sent every XXXX via my bank. With the late notice, I did not have time to change the payment to the new servicing company. I called the previous company ( Imortgage ) -- to explain and request the payment be transferred to the new Servicer XXXX XXXX XXXX. Problem is Imortgage is no longer taking live calls pertaining to my account. I just get an automated message telling me they are no longer servicing my loan. Then the call disconnects. What can I do? I recently received a statement from the new Servicer XXXX XXXX XXXX telling me that my loan payment is late. When I called them to explain, and complain that they did not give customers enough notice, they did not seem to care. They told me to call Immortgage to 'figure it out '. Well, clearly Imortgage doesn '' t want to be bothered either. The XXXX rep I spoke to claimed to have made notes on my account ... but really not sure about that. Should I call my bank and stop payment? Or do I just wait and hope it gets worked out? I am SO frustrated, and really could use the advice. Thank you!
On XXXX/XXXX/XXXX, I accepted an offer on my home. BB & T is the current financial institution holding the mortgage on the property and it is also the lender the buyer has chosen. All required paperwork was provided in a timely manner by both myself and the buyer. Everything moved along smoothly with the appraisal and inspection. Everything that was required from myself, the buyer, the realtor, and the closing attorney had been provided to BB & T over a month ago. A later closing date was scheduled for XXXX/XXXX/XXXX by BB & T to account for the new regulations. No communication was provided at any point by BB & T about any additional delay. When I inquired my realtor if the closing on XXXX/XXXX/XXXX was confirmed he stated that BB & T did n't indicate a delay but he would check, he later stated that BB & T drop the ball and the closing is delayed without an expected date. 
I contacted the MLO XXXX XXXX in regarfs to payment as it was due on XXXX/XXXX/XXXX the scheduled closing date, she stated to just wait as surely we would close in just a few days. Fortunately I decided to make a payment to avoid a late fee since a closing date was not provided. On XXXX/XXXX/XXXX a new closing date of XXXX/XXXX/XXXX was set. At XXXX XXXX on the night before the closing, I received an email from the realtor copying the MLO email stating that paperwork was n't ready and she was sorry for " the mess ''. 
Thus far I have lost over {$1500.00} in interests, taxes, insurance and utilities due to this unreasonable and unprofessional delay and at this point I do n't even have a closing date.. 
BB & T actions ( lack thereof ) are grossly negligent as they are not loosing funds by delaying the closing, the buyer and myself are. BB & T should reimburse XXXX of my and the buyer added expenses as well as punitive damages to the CFPB to set a presidence that such irresponsible behavior is utterly unacceptable!
In XX/XX/XXXX I originally reached out to XXXX XXXX for assistance repaying my loan and seeing if I could get a lower monthly payment or other options due to the fact that my income had significantly changed. I was told that the only option offered by the compan was a forbearance of 3 months. This cost me a total of {$150.00} fee ( {$50.00} for each loan ). The {$150.00} did not appear to have been applied to my loans and I continued to accrue interest over that 3 months that totaled around {$500.00} that was added to my loan amounts. 
I again reached out to the company on XX/XX/XXXX for financial difficulties and again was told that a 3 month forbearance was my only option. Again paying a fee of {$150.00} and accruing {$450.00} during that 3 month period. I have documents for the XX/XX/XXXX forbearance and am currently working getting records of my XX/XX/XXXX, as the company only allows users to view statements for 24 months. 
I have also had several interest rate increases in the life of my loan without any prior notification of rate increases until I notice it on my bill causing my monthly payments to increase by over {$100.00} in the life of the loan.
I filed bankruptcy and did not include my mortgage as I intended to keep it and have always paid on time. After I filed my BK but before it was discharged a law was changed stating that you must reaffirm your mortgage with your bank. I was never notified and my bank refuses to list my mortgage on my credit reports and it shows up as included in my BK. So my years of perfect payments do n't show up on my report. Chase bank has admitted that this fell into a grey area but says there 's nothing they can do about it. I want my mortgage to show up on my credit report because I notified them that I intended to keep it and make payments on time. They acknowledged that they never told me I needed to reaffirm and it was their fault and now they notify all the BK customers. Please help me get my mortgage back on my credit.
I submitted a dispute to Equifax on XXXX/2017 and they have acknowledged the receipt of my dispute over the phone, and online. I looked online today XXXX/2017 to view the results and they are still pending 32 days after filing the dispute. The law states that they have to have a completed investigation back in 30 days after filing of the dispute and they have exceeded that time frame. I also requested from the alleged creditors verification/validation of the alleged dept. and have received no response from them either. I can only assume since I received no response from the alleged creditor that Equifax has not as well, and are trying to stall so that the alleged creditor has longer to respond. that is not lawful and I demand that since they are unable to verify the alleged debt and terms then they most immediately remove it from my credit file.
In XX/XX/2018 Fay Servicing contacted me about being 6 months behind on my mortgage payments. I spoke to XXXX XXXX at Fay Servicing about this and I told her that was wrong because the payments were being taken out of my bank account automatically every 2 weeks for the past 2 years. she told me that the records on her end showed I was behind 6 months so she needed to see my bank statements that shows the payment was being taking out and she wanted me to fax her the statements. I faxed them to her and when she received them she said it didn't matter that we still showed we were behind and our home was going to be put on the auction block if we didn't give them XXXX XXXX XXXX which ballooned to owing them XXXX XXXX XXXX which I didn't have on hand. In XX/XX/XXXX they also stopped the automatic payments and would not accept any payment unless it was the full amount they stated we owed. I collected my bank my statements from XX/XX/2016 to current which showed that they had been getting there payments every 2 weeks. They were not interested in the information and proof of payment I had. In XX/XX/XXXX we tried making our payments but were unable to do because they had blocked any payments from going through. my house was put on the auction block in XX/XX/2017. mean while I was getting the funds together so we wouldn't lose our home. our home was 12 hrs from being auctioned off when I finally had the funds in hand to save my home. I was given an amount of over {$23000.00} dollars to bring our mortgage current and i was told it included all legal fees.now 3 months into this ordeal I receive a statement for over XXXX XXXX XXXX for legal fees!
Back in XXXX/XXXX/2015 I had XXXX and I was take by my Doctor to a Private Hospital without my consent and the bill came as shock. My Insurance has paid {$8000.00} just for Hospital Bill not include Doctor Bills. but now I just pull my Credit Report and Its show 2 separate bills for the same service from collection Agency represent Hospital, But Early I did receive only one bill from That Hospital. And now I have been contact that collection Agency and ask Why One bill was reported as two bill on my Credit report but I do n't get any respond All they tell me is that They will contact The hospital for a father verification. but I never heard from them. My believe I was over Charge by the Hospital in the First Place. If in the Pass my wife XXXX Did n't cost that Much? Why my XXXX XXXX XXXX up Cost Almost XXXX Dollars. Warn Others Stay away from Private Hospital they will Bankrupt Society.
I opened an account with TD Bank in XXXX of last year with a {$100.00} deposit. I was told that as long as I maintained a balance of {$100.00}, I would not be charged any fees. I recently received a letter stating that my account was in collections even though I never withdrew any money from the account. I visited a local bank branch to ask what happened and the representative stated that I received paper statements for which they bank charged me $ XXXX, and once my account dropped below {$100.00}, they charged me $ XXXX for the account. First and most importantly, I registered for online banking over the phone with an agent immediately after opening the account since I 'm a digital-first customer and ca n't stand paper statements. Second, I was never told that the bank would charge me a fee for paper statements. In fact, I was told I would n't be charged ANY fees as long as I kept a balance of {$100.00} or more in the account. My account has been closed and I received {$35.00} back, as the representative would n't provide a full {$100.00} account credit. I expect to receive the additional {$65.00} along with compensation for my time and frustration.
I advised the company   XXXX   XXXX   XXXX   that I was   XXXX   XXXX    and to assist me with  Soldiers Relief Act due to the interest and and fees as of today 's date they have not lowered the fees and interest and sent account to collection without assisting me in this matter. I advised as soon as they had adjusted my accoun t I would start to pay in accordance with the terms of the agreement as of today 's date they have never done that.
I have this collection on my credit reports I have tried to get them removed but it has not happened. This debt is not mine and never was I would like it removed as soon as possible. This is on all my credit reports and is not mine. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1100.00} Overview You've paid off 0 % of your collection amount. 

Balance {$1100.00} Highest Balance {$1100.00} Opened XXXX XXXX, XXXX ( 1 yr, 10 mos ) Account status Open Type Factoring Company Account ( debt buyer ) Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info
I have a vehicle lease with XXXX XXXX where I make a monthly minimum payment of {$320.00}. I have gone through a really deep financially hardship since XX/XX/XXXX and have been late on several payments. Also, I am new to credit and did not know that these late payments would be going on my credit reports.

The dates of the late payments include : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
Fed Loan Servicing continued to report in accurate inconsistent information on my XXXX & XXXX report.The current payment status on these loans is transferred and they continue to note that it is 120 days past due which is erroneous. They are to report 100 % accurate information by law but how accurate can the reporting be if there are so many inconsistencies. Their failure to accurately report my information is hindering me from obtaining financing from my business, especially for loans that are paid. I have sent numerous request to have this information corrected almost ever month in 2017 but they have proved unwilling to correct their mistakes.I have submitted a complete copy of my 40 plus page credit report where the inconsistencies are clearly outlined. The credit bureaus are claiming that they are only reporting what is provided by Fed loan and Fed Loan is claiming that they are only reporting what is indicated on my correct report from XXXX. Well ... which one is it? If there is NO PAST DUE AMOUNT REPORTED, how can it be 120 DAYS PAST DUE??? WHAT is 120 days PAST DUE??? XXXX DOLLARS? XXXX XXXX, Fix it!
This is my last option. I am requesting CFPB 's assistance. In correspondence dated XXXX XXXX, 2017, I disputed how incorrectly State Tax Lien ref # XXXX has been reported incorrectly. From the filing date to my personal information. I was able to verify with the court that this information has been withdrawn last XXXX XXXX 2017. This proves that this credit repository 's information is outdated and no investigation was conducted.
I applied to Discover personal loans for an installment loan in order to consolidate multiple balances into one place. By any objective criteria, I would have been approved for the loan - DTI, credit score, etc. I provided all of my personal information to Discover ( which they had on file, since I have had a credit card with them for 2.5-3 years ). When I called back to Discover, they told me they denied me because I had no credit history. 

Due to their incorrect information, I was not able to get an appropriate loan. I have lost a significant amount of money paying interest charges, and if I apply now, I may not receive an interest rate that will assist me in making payments. I am unsure why Discover thought I had no credit history, but I have a long and strong credit history.
I recently reviewed my credit report and discovered inaccurate credit card accounts reported from TransUnion : XXXX XXXX XXXXXXXX opened on XX/XX/XXXX XXXX XXXX XXXX opened on XX/XX/XXXX in the amount o {$480.00}
I opened checking and savings accounts with TD Bank. I have had nothing but problems with TD Bank since. When I opened the account, I accidently left my welcome packet behind, which contained all of my account information. I called TD bank and they put a freeze on that account and advised me to come into the branch and open a new account. Thats exactly what I did. TD initiated an investigation because there were transactions that I did not authorize. TD Bank then closed my new savings account without my knowledge or consent for some odd reason. Then placed restrictions on my current checking account. Even though there is no legitimate reason to do so. I spent over an hour on the phone with another TD Bank agent opening another savings account. The agent advised me that there are no notes stating why the savings account was closed or why restrictions are on my checking account. I checked my account balance today on my checking account and it was over drawn {$6.00} now I checked it again later in the day and now its overdrawn {$100.00}. That amount does not make any sense.TD Bank is willfully mistreating one of its customers. I have proof that TD Bank app and agents give false account balances. I deposited {$420.00} into my checking account. The charges TD bank has listed equals up to XXXX. XXXX XXXX = - {$31.00} and if TD Bank charged me a {$35.00} transaction fee then my checking account would be XXXX but TD bank charged me an overdraft fee of {$100.00}. How does that make any sense?