WillisBack/dataset-financial-user-claim huggingface dataset:
in XXXX of XXXX I purchased a XXXX XXXX XXXX, at the time they sold me an extended warranty which the contract said I can always cancel and get a refund if I don't make any claims against it. 
I made several larger payments on the account and asked to have them applied to the principal. 
on XX/XX/XXXX I requested to cancel the extended warranty. I received an email from the dealer that said : " Also, I just need to be sure that you are aware that if there is still a lienholder on the vehicle, the refund goes to them directly and not to the customer. The refund amount is applied to the principle of the loan. '' I contacted them via email a few times and mentioned that it was not applied to the principal. I received this email on XX/XX/XXXX : " Ms. XXXX, Thank you for your reply. 
We can confirm that warranty refunds are paid in the form of a check and are applied directly to your principal balance '' It still didn't look right and I emailed a few times more. at first because they did not refund the full amount. In XXXX of XXXX they refunded an additional amount but still did not apply it correctly. 
the entire time they showed that I do not owe payments. Now, I XXXX of XXXX after I emailed again, they called me and said they made a mistake and if they reverse it, the account will be past due and I will have to make up the past due amount and they are willing to give me 3 months (! ). i've been asking them for years to correct it and now they ask me to catch up in 3 months. In addition to that, they added late fees to my account. I do have all statements that show no amount due. I was never late and had they applied it correctly, I would have made certain that I make payments in time!! in addition to that the car has a mechanical issue that they are refusing to fix and we can't use the car!
A company called enhance recovery continues to remove a debt they can not verify from my credit and keep adding it as a new collection, which is re-aging the account. Before I take legal action I will try to resolve it here.
I'm reporting that Citi is not properly handling the closure of the card due to fraud. 
On XX/XX/XXXX I received an alert via text and email that there was a declined attempt to use the card in XXXX. I replied that I do not recognize this transaction and also in just a few minutes I called the number provided, spoke with the person who verified the last valid transaction, and said that I'm going to receive the new card in a few days. 
On XX/XX/XXXX, I chatted online to inquiry about the status of the card : they could not help as they said my account was not accessible. 
Today is XX/XX/XXXX, I do not see any message online about the new card, and I have not received it. I've been waiting to make a few purchases I need. I called again the same number and, surprisingly, I was told the old card has not yet been closed because call was disconnected. There are a few absurds here : - In the original call I had already verified all the transactions and was already told I'd receive a new card in a few days, they tried to transfer me to some mobile wallet department to resetup the Citi Pay wallet but I was left waiting and ended the call. 

- Most important, nobody at Citi, during the previous week, tried to contact me about this. Citi has an account flagged as fraud, apparently not yet closed ( even though I called ), no new card issued, and then Citi customer service does absolutely nothing about it. I'm wondering what would happen if I had left like that indefinitely.

When I had verified the transactions and was told new cards would arrive in a few days, I considered the matter resolved, but Citi did not actually process what they informed.

This is inferior and even improper service, and this account will be less used from now on.
XXXX XXXX XXXX of nationstar has not responded to any of the letter sent from XX/XX/2013 to now. 
I have repeatedly call this company wrote this company and they have failed to keep accurate records. This servicer nationstar is committing fraud and they are using a cloak to cover themselves. After reporting to CFPB. CFPB stated that, " the corporation responded '' But, the corporation did not respond. The nationtar corporation sent a response saying they would respond by a certain date and did not. 
Its a shame how this corporation have destroyed lives, off lies and fraud. when this corperation was paid in full and still act as if they wasn't paid. Even when reporting this to company 's like CFPB it is still sweeped under the rug as if the complaint isn't worth hearing.
I submitted a request back in XX/XX/XXXX to deactivate the overdraft protection between my checking account and a credit card account I have with USAA. The overdraft protection did not work as I thought it would ; it offered no financial benefit to me and it actually cost more money to utilize. On XX/XX/XXXXthere were financial transactions that processed on my checking account. I realized there were not sufficient funds in the account to cover all the transactions, therefore I transferred money from my savings account to cover the transactions on my checking account. Inadvertently, USAA utilized the overdraft protection, which I was not aware remained active on my account. OnXX/XX/XXXX I was advised by XXXX XXXX that he would resolve this matter. Since that time I have left weekly messages for XXXX XXXX, with no response. Additionally, my credit card was assessed additional interest fees onXX/XX/XXXX USAA did credit the interest that accrued for the month of XX/XX/XXXX.
company reduced credit limit again causing my score to fall due to utilization level, XX/XX/XXXX V {$900.00} they did same last year, XX/XX/XXXX, V {$300.00} they did this after I accepted an offer 0 % apr thru XX/XX/XXXX. 
I never missed a payment with them, 37 months & counting. 
I do not use the card, therefore denying them interest.
About 3 years ago, I started receiving credit card statements for a credit card from First Niagara Bank, XXXX. To be clear, I have never opened an account with, or done business with First Niagara Bank. They took over the former XXXX branches in our area. I used to have accounts with XXXX, but closed all of them out before First Niagara took over. When I tried to call about this mysterious credit card in my name, I could n't get information because my credit card # on the account is all " X 's '' except the last XXXX numbers ( XXXX XXXX XXXX XXXX ). I do n't even know if this is a XXXX or XXXX - but I was charged an annual fee & interest. I finally spoke to a local branch about this. Nobody could tell me how I came to have this credit card acct with no actual number or application attached to it. I told them to close it immediately. They said they would - and they did ... EXCEPT ... I then ended up with a XXXX cent credit, which kept the account alive. I have tried several times to get them to close this account and send me a check for the XXXX cents, or keep the XXXX cents. I do n't care which. That has never happened & it has been a few years now. I 'm still receiving the statements. More importantly, I recently noticed that this " account '' is showing up as a negative on my credit report. It is actually the ONLY negative on my credit report - and it says " pays as agreed '' next to it ( as if I have made some kind of payment agreement with First Niagara ) - when actually they owe ME XXXX cents - not to mention the fraud they have been committing against me.
My name : XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX GA XXXX Loan : XXXX I purchased home XX/XX/XXXX it's a XXXX XXXX Paid XXXX Down Payment : XXXX First loan Mod. XX/XX/XXXX with an attorney Mortgaged changed from XXXX to XXXX as soon as the attorney made an exit my loan returned to XXXX it was a verbal Loan Mod no MERS. 
XXXX attempt at loan Modification I was requested to place another XXXX payment of XXXX. No one remembers I paid that via Bank XXXX XXXX certified funds. 
XX/XX/XXXX I became ill unable to walk or work no income XXXX took 4 months to pay this was XX/XX/XXXX I was in the hospital. I was advised that if I could come up with 1 payment they would stop the foreclosure. While hospitalized I offered Nationstar XXXX payments and they refused them. They will request that I do something, then when I do it they change the promised outcome. 
The last mod. was for XXXX with a XXXX income of XXXX after I paid the 3 payments they changed the mortgage payment to XXXX. more than my entire income. I ask how could they do that I was informed that to take home XXXX I would have to earn XXXX so the loan mod. was done on that amount. I Filed BK the last Trial was for XXXX pass that one. They took over a year to complete process. 
XXXX XXXX offer is XXXX for a house that's worth XXXX the agreement is for 40 year loan at 4700 month = XXXX XXXX and at the end of that loan is a balloon for XXXX. they say I owe XXXX they have placed that on the loan twice.
My XXXX died in XX/XX/XXXX Ireported his death as legal executor of his estate. XXXX Ohio probate case # XXXX. I contacted XXXX to inform themofhis demise and the fact he died insolvant. This as an unsecured debt. They stated they had recorded the information. His estate was closed on XX/XX/XXXX. I personally paid for his funeral and other expenses related to his demise. 

In todays mail i received a XXXX indicating they had charged off my XXXX 's cedit card when the account should have been closed in XX/XX/XXXX. Further, they mailed the information to my home and i had moved in XX/XX/XXXX. My XXXX never lived at my new home or knew of its existence. He lived XXXX miles away from here. Chase is using my address as his. This is a act of fraud. The estate is closed. XXXX # XXXX on XXXX. 
This form was reported to the IRS and we all know what they are like. Chase shouldbe angry with themselves instead of harassing me. I want a update sent to the IRS concerning the status of this debt. My XXXX has been dead for almost 3 years. They did not do this chargeoff in a timely fashion and only did this to be purely punitive.
i do not recognize the account " GE CAPITOl '' represented by XXXX XXXX. Previous research indicates this charge was initiated in Florida. I believe this account belongs to someone bearing a similar name to me. I do not have knowledge pertaining to this account. I don't know if it is a credit card, a store card like XXXXXXXX XXXX  or XXXX XXXX, or personal bank or revolving charge account. I've filed a complaint with XXXX  and it was removed by the credit reporting agency to my account. I filed a complaint with XXXX  today. Discrepancies are date opened XXXX, date of last payment I never made XXXX. Date of first delinquency XXXX and date reported XXXX.
I am in forebrance. It shows on my credit report i am over 149 days pass due
I have contacted Experian on SEVERAL occasions regarding a legal name change that they refuse to acknowledge and change on my credit file. Their refusal to change my information is preventing me from obtaining credit or health insurance and is ruining my credit score. I have faxed, mailed and certified mailed my name change decree, new social security card and new state ID card photocopies to them. I have reported the change to all active debt collectors and they have still refused to change my information. I have no control over a creditor 's decision to elect to keep pursuing an old debt in my former name. My student loans are the only debt I have and that creditor does not wish to seek my loan debt using my new name. Equifax has an obligation to change my name now that legal documents have been provided and my new name has been reported. To date they still refuse this change.
Hi CFPB : I am a " client '' of XXXX XXXX XXXX XXXX XXXX XXXX, and in the five years I have been out of XXXX school, I have repaid roughly {$25000.00} on {$69000.00} worth of student loans through a consolidated loan held by Great Lakes. {$20000.00} of that was paid to interest, and just {$4000.00} to principal. According to their website, I still owe more than {$62000.00} a mere five years after graduating from my program. In other words, in just five years since finishing graduate school I have been charged my fixed 6.12 % interest rate to the tune of the down payment on a house, without touching the principal which is still generating a high monthly interest. The issue was that Great Lakes misadvised me about the type of repayment plan I should be on, and for five years I was paying below the minimum required to avoid accruing additional interest on a graduated repayment plan. I wrote to them and spoke by phone for years with people at Great Lakes who assured me that this was not the case, and could n't explain the discrepancy between what I had paid and what I had borrowed. Unfortunately and conveniently for Great Lakes, their website only displays payment history as follows : " Your payment history shows up to 12 months of transactions and only includes transactions since Great Lakes began servicing your loan. '' But they should have these records. I am currently paying {$900.00} a month to try to pay down this loan, which is why I 've managed to pay {$4000.00} toward the principal. Otherwise Great Lakes would have had me on a plan paying only interest for who knows how long? When I checked today what the minimum payment would be for their " graduated repayment plan '' it still said my payment would be $ XXXX/mo. This is less than the amount of interest that is generated on my loans, meaning I would be effectively underpaying an amount that would eventually lead to a pay off. Their graduated plan is a total scam, and I 'm sure I 'm not the only person who has fallen into this trap. I 'm just glad I realized it five years in rather than 10. That said, their mis-representation and mis-consultation of my case has cost me dearly -- and if I were to stay on the $ XXXX/month graduated plan their current calculator tells me it would cost over {$72000.00} in interest alone, meaning my total pay off amount would be roughly three times what my initial loan amount was for. Through multiple phone calls and emails, I never got a straight answer why my payments were not deducting from interest ( i.e. why the principal kept growing even though I was paying what they recommended I pay each month ). Great Lakes is not looking out for people like myself who took out federally subsidized student loans directly from the federal government and then got wrapped up into their money making schemes. I believe this should be the subject of a class action suit, and that many people like myself would stand to reap substantial reimbursements. Please feel free to be in touch if you agree. Thank you for your time and attention and your willingness to help.
Access capital services keeps calling all my family members and myself to collect on an old debt that has been paid off. I have even sent them proof and told them to stop contacting me and my family/friends, and they still call threatening to take legal action and/or arrest me. They need to be stopped of their harassing calls and sharing my information to all friends and family members.
On or around XX/XX/XXXX, I received a letter from a collections from a company called XXXX XXXX XXXX stating that this company is trying to collect on behalf of XXXX XXXX. When I called the company and asked for info regarding the bill, the collection company states that this was a bill for services rendered by XXXX XXXX in XX/XX/XXXX. I  recall having XXXX XXXX but I cancelled my service at the end of XX/XX/XXXX and should not have been charged for XX/XX/XXXX. I requested proof of services rendered from the collections company XXXX XXXX XXXX  XXXX. On or around XX/XX/XXXX, I received the XXXX XXXX bill that is attached as a part of this complaint. This is bill does not show any services rendered, it simply states that this bill is a bill that is based on a different prior bill. Additionally, it references equipment that I know was returned and was confirmed by XXXX as returned. The bill provided by the collection company did not provide proof of services rendered that I requested and is therefore an illegal collection practice.
I unjustifiably got a XXXX violation XXXX XXXX 3 years ago ; I was not talking on my phone and proved it via showing the exact day/time of my phone bill. I also wrote a letter disputing the claim and they made me go to court 7 times on this matter also took my driver 's license away! I wrote a legal letter stating they are wrong, using the Appellate Division, Superior Court, XXXX County. 
PEOPLE of the State of California, Plaintiff and XXXX, v. XXXX XXXX XXXX, Defendant and Appellant. No. XXXX. 
Decided : XXXX XXXX, 2013, case as the model. Long story short, XXXX XXXX XXXX would n't accept my supporting documentation and suspended my license. I had to pay {$170.00} + fee to attain my DL back. Now b/c someone at the XXXX XXXX court entered the check I mailed out late, they sent a debt collector to harass me for another {$300.00}! If I do n't pay it the manager threatened to suspend my license and revoke my driving privileges altogether. I can not afford a lawyer and I NEED HELP. This injustice has gone on LONG enough. Can you please help me. Sincerely, XXXX
In  XXXX    XXXX   my son was transferred by ambulance from one  XXXX   XXXX  to another.   XXXX   XXXX   XXXX   was the  carrier  who submitted a bill to  XXXX  for services. Services were paid by  XXXX , however the check was never cashed and I was placed in collections. Several calls to  XXXX ,  XXXX  and the collection agency and this has still not been resolved.      XXXX  at  XXXX   XXXX  has NEVER returned any calls from myself or  XXXX , she refused to take payment.  XXXX   XXXX   XXXX  has failed to provide proof that coverage was denied or any other documentation surrounding the bill.     I have asked for this to be removed from my credit and they refuse.
Dates are not exact.
 XX/XX/XXXX  : Refinanced mortgage, sent Navient @ {$15000.00}. XX/XX/XXXX : - Navient claims they did not receive it but we have copies of canceled checks - Navient says we sent checks to wrong address, will send refund.
  XXXX   : - No refund. Navient says they sent it.
 XXXX ,  XXXX  : - still not refund.
  XXXX    : Talk with customer service, they 'll check into it.
 XX/XX/XXXX : - Spoke with "  XXXX  '' promises she will take care of everything eventually.
- Checked account ... balance is {$0.00}. Must have been taken care of.
 XX/XX/XXXX : My account is past due. Balance @ {$12000.00}.
I went to   XXXX   XXXX   for a treatment. After I thought about getting the treatment I wanted to back out but was told I could n't. Although the treatment was okay, I was not happy with the results, but paid the account monthly. When I got the first bill I wanted to make an online payment. The only way I could do this was to set up a mobile app that would accept my payments. This action stopped the paper statements. The mobile app was fine however I was on an interest free payment plan for 18 months. The mobile app showed payments and balance. Mid last year I took my statements to a bill planner where I discovered I was no being charged all the back interest and now at a very high interest rate. There was no notice that the interest free time frame had run out and that I now owed twice what the service cost. I contacted them when I found out with no response. I contacted them a second time and complained both about the service and the interest. I also offered a  one  time payment to pay off the original balance in full, due to the fact that the mobile app does not tell you any information about your account. They responded with a letter saying that is what I signed up for and the owner of the business called to say " too bad so sad ''. I responded to say, had I known about the time running out I would have paid it off but the online payment offers no information. I was n't given the opportunity to pay it had they informed me I would have had it paid and that they needed to change the mobile. I also asked, in a ll 4  letters I have sent, to not call me. Since all this started I had an on the job injury and have been out of work since  XXXX . I told them this in  two of the four  letters and just today I was asked today if I was having a hardship. They call everyday. I did  get one lett er that gave me a small credit but they still refuse to address the original issue, continue to call everyday and now they are ruining my credit.
The students loans I owed for college are paid off in full. My credit report states that I have different student loans, but all were paid. XXXX University in Ohio confirmed they are all paid.
I was renting from XXXX XXXX XXXX owned by XXXX XXXX from XXXX to XXXX. At the time they were accepting Section 8 housing which I was currently eligible to receive. I had no problems from the first year of my lease. The second year when the problems came. Usually while on Housing they come and do an annual housing inspection to make sure the townhome is up to code to qualify for housing benefits. XXXX XXXX did n't pass inspection. So the state notified them when the next inspection would be and the time frame they had to fix the issue. Once again they ignored the request and failed inspection the second time. They received a notice that they did n't qualify to be on the housing program anymore unless I paid XXXX to have a 3rd inspection. I paid the XXXX to have it done because I did n't want to move out. When they did n't pass inspection the state does n't pay their portion of the rent. It also stated that I was not responsible for the states portion of the rent payment. XXXX XXXX received this notice. XXXX XXXX finally fixed the issue. XXXX XXXX attempted to collect the payment that Housing was responsible for from me. After showing them documentation and giving them my case worker number to talk to them they served me with an eviction notice. The landlord even showed up at my door on a non business hour stating, '' If I were you I would move out because the judge is going to kick you out anyway ''. I advised her I would stay until we settled in court. On our court date XXXX XXXX could not prove that I owed the money they were trying to collect from me. The judge advised me since I had 60 days left that I should go ahead and move out. I was fine with that. I asked the judge since I do n't owe any money this should n't appear on my credit background. She told me that they could not add it to my credit due to them not winning the court case. She gave me 7 days to move out. I was getting ready to sign a lease to my new apartment when they advised me that XXXX XXXX had placed on my credit report I owed XXXX. I had to prove to my apartment complex that I did n't owe this morning by showing them the paperwork from the court. I as investigated the matter XXXX XXXX had sold my debt to a company called ProCollect in XXXX Texas. They have been reporting to all 3 credit companies. I have faxed and emailed documents stating I do n't owe them money. They always say they did n't receive it. As I am repairing my credit I hired a credit counselor. He was able to get them removed from my credit but ProCollect keeps reporting as we keep fighting to keep having them repeatedly removed. ProCollect has went so far as to reporting to the IRS that I collected this money. So once again I had to submit my Judgement papers to the IRS to prove that I never owed this money. So now I have to walk around with all paperwork in hand explaining a debt that should have never been on my credit background.