WillisBack/dataset-financial-user-claim huggingface dataset:
The complaint is filed against XXXX XXXX XXXX XXXX Financial Advisor XXXX XXXX XXXX XXXX XXXX for demanding upfront money for co-payments of {$150.00} per day on XXXX XXXX while NO BILLING was presented to my health insurance company. Such fraudulent attempt to collect upfront money is illegal. His illegal action was reported to XXXX XXXX and to my health insurance company and is disclosed to this Agency. Additionally, his harassment and illegal action to collect monies upfront is included in the medical malpractice case against XXXX XXXX XXXX XXXX. <P/>The dispute of charges started with XXXX XXXX XXXX XXXX to stay only 3 days as Inpatient. During those 3 days I was XXXX with an excessive amount of XXXX and XXXX XXXX which caused XXXX XXXXs. As the result of such medical malpractice I had to seek additional medical care at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXX XXXX causing additional medical care expenses. Presently, I am making monthly payments, some have been paid in full and the disputed balance is pay in monthly payments, XXXX, XXXX and XXXX XXXX and next payment is due on XXXX XXXX, XXXX. Therefore, as long a payment is made, the balance can not be sent to collection.
Transunion sent a disrespectful letter answering to some disputes on my credit report telling me that my dispute is frivolous. What kind of company they are?
Based on my most recent credit report, NCB Management Services has been reporting a collections amount of {$11000.00} which is for a XXXX XXXX that was repossessed by XXXX XXXX XXXX. 

On my credit report, XXXX XXXX XXXX reported the account CLOSED as of XX/XX/XXXX ( said XXXX XXXX was repossessed in XX/XX/XXXX ). 

NCB Management Services nor XXXX never reached out to me to inform me of the collections and though the account is closed with XXXX XXXX XXXX, NCB Management Services has never contacted me via mail, email, text nor phone regarding this account. 

NCB Management Services continues to report the account to the 3 major credit bureaus in order to keep that account current and longstanding. 

In an effort to purchase a home, this has been a major issue with the underwriters. 

I wrote a letter to the 3 major credit bureaus to verify the account and it validity and the remarks were unfavorable because at no point was it stated how the account was verified. 

Thank you for kind assistance on this matter.
Lender not willing to postpone scheduled sheriff sale to allow us to work on a short sale. We currently occupy the property and have a buyer interested in our home
I took out an auto loan through Wells Fargo on XXXX XXXX XXXX, and on the same day a savings account was opened in my name. I did not open the account nor did I ever request that XXXX be opened. I found out about a week later that the account existed and when I asked why I was told that I needed to maintain it to pay the auto loan. At the time I was in the XXXX and stationed in XXXX XXXX, and I had little experience with auto loans. 

I maintained the additional account as best I could over the years, trying to meet the {$300.00} minimum balance. I do not know how often I was penalized, but I know it was a fair amount, all for an account that I neither needed nor wanted. 

I purchased a home in XXXX and the loan originator sold the mortgage to Wells Fargo. I was contacted by Wells Fargo in XXXX telling me that I had to buy insurance through them for the home. After much of my time spent arguing, I was able to deny the insurance and reported the incident to the XXXX. Never to hear anything out of it. 

I paid the auto loan off in XXXX, at which time Wells Fargo stated I needed to maintain the savings account to pay for the home loan, accruing even more fees for not being able to maintain the {$300.00} account minimum. I paid off the mortgage this year, XXXX, but the mortgage account still remains open for some odd reason. I was finally able to close the savings account once the loan was paid off, which means that I " had '' to maintain an account that was fraudulently opened for 10 years. 

I have names of the people from XXXX that opened the accounts, all account numbers and dates. Since this investigation has been made public I have yet to hear anything from Wells Fargo. I have just recently contacted them to see what they are going to do, and I am currently awaiting their reply.
The collection agency is attempting to collect on a debt that I do not owe to the original creditor. The collection agency is aware that this is a debt that was subject to a lawsuit in small claims court. I won a judgment and was declared not to owe anything to the original creditor. The original creditor owes me monies. The collection agency is aware that this is a disputed debt and has yet to validate the debt despite repeated request to do so. I have attempted to work also with the credit reporting agencies to remove the debt from my credit to no avail. The collection agency keeps reporting and updating my credit report with negative information about this disputed and invalidated and fraudulent debt. I have had financial issues due to this ( have been denied credit, have received a higher interest rate )
XX/XX/XXXX tell XX/XX/XXXX My student loan from Navient Department of Education shows DELINQUENT or PAST DUE OF 90- 120 days, which is not correct. 

I had emailed Navient Department School Loan and I have proof of the email as well, and also a email with a response back from Navient Dep Education employee named XXXX XXXX and XXXX XXXX, stating that your FORBEARANCE has been APPROVED and my next payment is not tell another 4 months and I am not required to make any payments at this time and it will not affect my credit or interest rate as it is a fixed interest rate. 

Knowing that my foreberrance is approved, as I can not make any payments being in XXXX XXXX and being a XXXX year XXXX XXXX at XXXX XXXX University, XXXX continue not to make any payments. 

I got my credit run by Homeland Security Immigration Services in WA DC for school clinical related reasons. I was then notified that my School Loan from Navient is showing Delinquent by 120 days. 

I then again had contacted Navient, sent over all the documents and proof showing that my forbearance was approved since I am in school, and sent a letter explaining what happens and that I should not have any late payments showing on my credit, I was told that it would be taken care of by XXXX XXXX XXXX   Employees, I checked and that never happens. 

I then called again around XX/XX/XXXX to follow up with everything and I was told that XXXX XXXX XXXX is working on it. 

I recently checked my credit again, and its still showing 120 days late, and it shows 9 LATE PAYMENTS since their are 9 small subsidized and subsidized loans.

This makes my credit very bad and me personally look like an irresponsible person and also as a XXXX XXXX, which I do not want and I am not either. 

Please get this issue resolved and removed from my all of 3 Credit Reporting company 'S including XXXX, XXXX, and XXXX asap, I WOULD LIKE THIS ISSUE RESOLVED.
Husband lost job. Mother became very ill had to quit work to take care of her. Father passed away. Taking care of sick mother in law. i had a XXXX. XXXX XXXX. And also have XXXX. We applied several times for a modification and was turned down everey time
In XXXX of 2015 a check that I had written for {$10.00}. for a co-pay for a medical visit was confiscated from either my mailbox or the billing department of the medical offices without my knowledge. The check payee was changed and amount was altered to {$4000.00}. The obvious forgery was presented to PNC for payment electronically and it was successfully negotiated with the {$4000.00}. being taken out of my PNC account. Apparently, the same check was altered a second time, presented electronically to PNC bank, but the forgery was noticed by the credit union to which the forger presented it and the negotiation was ultimately unsuccessful. In early XXXX of 2015, PNC notified me of the fraudulent activity which I had not noticed. PNC has refused to issue a refund for the {$4000.00}. that was removed from my account. Furthermore, despite the check being an obvious forgery, I was told by a representative from PNC that they are not able to scrutinize electronic transactions due to large volume. 
A bank 's primary responsibility is to safeguard the money entrusted to them in the form of bank accounts. Electronic transactions such as this should not be permitted if an obviously forged check can so easily be negotiated twice. It is the fiduciary responsibility of the bank to protect consumers from such blatant fraudulent activity.
ARS ACCOUNT NUMBERs : XXXX XXXX XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ARS or any company associate with this account # XXXX XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ARS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # *********** DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
XXXX and Trans Union are not responding to any of my requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.
Date : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Email : XXXXXXXXXXXX Nationstar Mortgage XXXX. XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXXXXXXXXXX Dear Consumer Financial Protection Bureau : Re : Loan Modification The sole purpose for filing this complaint is due to the amount of interest charged to my predatory loan. I have been unable to modify my loan after several attempts since XX/XX/XXXX. The loan was sold to Nationstar Mortgage and they told me I could modify my loan to lower my payments and prevent my home from being foreclosed. When I proceeded with the loan modification, I was told I owed about {$87000.00}. The loan amount has constantly increased, since my failed attempts to request modification. There are more unwarranted charges added to my loan that I do n't quite understand. I desperately need your assistance, not more debt. I am XXXX and the practices of Nationstar Mortgage and XXXX XXXX XXXX are unethical and aimed at taking advantage of consumers who are experiencing financial hardships. 

Furthermore, I applied for a loan modification with XXXX XXXX XXXX back in XXXX. I fully complied with all request but never got any resolution. So in my disappointment, I was told by a loan specialist with the XXXX XXXX XXXX, XXXX XXXX XXXX they lost my paperwork. Not to mention the fact, XXXX XXXX XXXX has a history of losing paperwork and delaying mortgage loan modifications. I was told there was nothing they could do to re-open my case. After submitting my paperwork again and waiting for the reviews and underwriter to make their decision, I was once again denied the modification because of lost paperwork and offered another forbearance. I am told different explanations each time I call and was actually told that they were awaiting a decision from the underwriters. This is gross negligence on behalf of XXXX XXXX XXXX 's part to avoid modifying my loan with the misplacing of paperwork as a stalling tactic. Then they conveniently transferring my mortgage to Nationstar Mortgage without my knowledge, while I am awaiting a loan modification. This is the reason why I am frustrated with XXXX XXXX XXXX & Nationstar Mortgage and now my mortgage is underwater. I would greatly appreciate your assistance in investigating this matter and remedying the unwarranted affects of foreclosure. 

Respectfully, XXXX XXXX
IN XXXX I APPLIED FOR AN ACCOUNT AT PNC BANK WHICH THEY GRANTED ME AND THEN A FEW DAYS LATER, I GOT A NOTICE THAT THEY WERE CLOSING THE ACCOUNT. THEN AGAIN IN XXXX XXXX MY WIFE TALKED ME INTO JOINING HER BANK ( PNC ) SO WE COULD BANK TOGETHER. SO NOW I HAVE A BACK ACCOUNT THROUGH AND CREDIT CARD THROUGH PNC WITH MY WIFE AS THE MAIN HOLDER. I THOUGHT THAT MAYBE IT WAS JUST A PROBLEM WITH THEIR INITIAL PAPER WORK AS FOR THE REASON THAT I WAS DENIED THE FIRST TIME, SO MY WIFE AND I WENT TO THE LOCAL BRANCH AND OPENED UP A XXXX ACCOUNT TO KEEP TRACK OF SPENDING AND CREATE A BUDGET. THE BRANCH MANAGER XXXX SAID WE WERE GOOD CANDIDATES AND OPENED UP XXXX. 3 DAYS WENT PAST AND THE XXXX ACCOUNT WAS CLOSED. THE BACK MANAGER SAID THERE IS A REPORT ABOUT ME SOMEWHERE IN PNC THAT SAYS I 'M A RISK AND SAID SOME ONE FROM CORPORATE WILL CALL ME IN A FEW DAYS. AFTER A WEEK WENT BY XXXX XXXX CALLED ME AND SAID I WOULD HAVE TO CLEAR UP THE ISSUE WITH XXXX AND GAVE ME THE XXXX NUMBER. I CONTACTED XXXX AND GOT MY REPORT. THE REPORT XXXX SENT ME IS SPOTLESS WITH NO ISSUES ON IT. SO I BROUGHT THIS INTO THE BACK WITH MY CREDIT REPORT FROM XXXX AND XXXX AND SHOWED THE MANAGER. HE SAID THAT SOMETHING IS N'T RIGHT BECAUSE MY HISTORY WITH THEM SAYS I DO N'T OWE THEM ANYTHING AND THEY ARE ALSO AN INSTITUTION IN GOOD STANDING ON MY CREDIT WHICH SHOWS NO NEGATIVE ITEMS. BUT PNC STILL DENIES ME ACCESS TO THERE XXXX. THEY CAN HOLD XXXX OF MY MONEY AND COLLECT INTEREST ON A CREDIT CARD, BUT WONT GIVE ME ACCESS TO A SOFTWARE PROGRAM SO I CAN KEEP A BUDGET. I WORKED HARD TO HAVE GOOD CREDIT AND SAVED TO BUY A HOUSE. XXXX AND MY CREDIT REPORT COLLABORATE THIS. I HAVE BEEN TALKING BACK AND FORTH WITH A CORPORATE OFFICER ( XXXX XXXX # XXXX ) FOR A FEW MONTHS NOW AND I GET THE RUNAROUND. THE PERSON TO GIVE YOU ACCESS WILL BE IN NEXT WEEK ILL CALL YOU THEN AND NO CALL. THAT TYPE OF THING. IT IS UNCLEAR WHY THEY DENIE ME ACCESS TO A PUBLIC SERVICE AND WONT GIVE ME ANYMORE ROUTES TO CLEAR UP THEIR MISTAKE. I HAVE XXXX AND HAVE BANKED WITH MULTIPLE BANKS, PNC IS THE ONLY INSTITUTION WITH A PROBLEM. MY WIFE IS A XXXX, HAS HER DIRECT DEPOSIT AND ONLINE BANKING THROUGH PNC AND WISHES TO REMAIN BANKING THROUGH PNC. I WOULD LIKE TO HAVE THIS BLEMISH ON THEIR PRIVATE REPORT CLEARED UP AND ACCESS TO XXXX SO I DO N'T HAVE TO GO BUY A SOFTWARE PROGRAM FOR {$150.00} DOLLARS. 

THANK YOU XXXX XXXX
This medical bill of {$100.00} was paid to XXXX XXXX HOSPITAL and this company is ruining my credit with there false reports. It has already been a known fact that this company uses unethical and illegal business practices as a debt collector. Remove this account from my credit as it has been already paid
Wells Fargo and its co-branding agent, XXXX XXXX, represent to their prospective customers that the in-home window sale purchases being solicited are for a " loan '' ( closed end ) to be provided by Wells Fargo bank. However, it turns out that the " loan '' is a credit card product with the windows purchase-price already placed on this open-ended credit card account. This account is fraudulently reported as an open-ended, revolving credit card account on our credit histories, which harms out credit scores.
Midland Credit management sent me letters in XXXX I 'm English speaking I called them several times to provide documents of paid accounts and have year to receive any documents I do n't know where my money went
Prior to XX/XX/XXXX, my husband and I had credit cards ( gold ) from American Express, but administratively, the card is in my husband 's name with myself named as a second card holder. In XX/XX/XXXX we inquired about getting our cards upgraded to platinum. We were told that the primary card holder would get a platinum card for an increased annual fee of {$550.00} but my card would need to remain a gold card unless we wanted to pay an additional fee of {$170.00}. The only way that I could be the platinum card holder ( instead of my husband 's ) was if we closed my husband 's account and opened a new account under my name. We were told if we opened the one platinum card under my husband 's name that we would get reimbursed the {$150.00} we paid to access the XXXX XXXX on XX/XX/XXXX as well as have immediate access to their XXXX  credit deal ( up to a {$15.00} credit for using XXXX ). Neither the {$150.00} reversal or the {$15.00} credit was provided. I called XXXX  back in XX/XX/XXXX and stated that per my previous discussion with their customer service line I would like to close my husband 's account and open a new platinum account credit card in my own name with my husband as the secondary holder. At that time I was told that we were misinformed and that the secondary card would be free. Based on this information I agreed to sign up for a second platinum card - and stated multiple times throughout the call that I was only doing so because it would be free ( or at least just cost {$550.00} per annum in total ). While I have seen the marketing / customer information regarding a second card costing {$170.00} - I was specifically told that I was going to be free because I would not be getting ALL of the benefits of a platinum card holder, but I would get access to the airport lounges and would have a new card issued to me. Upon seeing a charge of {$170.00} for the second platinum card in XX/XX/XXXX I realized I had been charged, both in XX/XX/XXXX ( for a prorated amount of {$100.00} ) and XX/XX/XXXX, after being told that I was being signed up for the card for free. I called American Express to complain. They wouldn't do anything about the charge in XX/XX/XXXX but stated that they would remove the charge of {$170.00} that was incurred in XX/XX/XXXX. I asked that they review the taped recording of the original discussion to prove that I was lied to in the initial call and they agreed. They have not followed up on this request to prove that the XX/XX/XXXX expense was incurred in error. I have yet to have either the XX/XX/XXXX or the XX/XX/XXXX expense reversed on my credit card bill.
One of the most powerful tools in a consumer 's box is the ability to pay down mortgages early. For many years I have gained equity at an amazing rate by taking my monthly mortgage payment, cutting it in half, rounding up a few dollars and making a half-payment on the first and XXXX of the month. Doing this causes my payments to apply to my principal at a much quicker rate, cutting years off my mortgage. 
I refinanced my home a few years ago in an effort to do business with a local bank, XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas, and not XXXX the big nationals that caused the financial meltdown. I made it clear how I wanted to make my payments, and they said it would be no problem. Then they sold my mortgage to XXXX the worst offenders of the financial crisis, Wells Fargo. 
Wells Fargo does not allow the immediate application of half payments, instead holding payments until an amount equaling the entire payment has been received. 
This has resulted in them receiving a payment on the XXXX of the month every month for the past XXXX years, holding it until the XXXX of the month, then adding it to that half payment and applying it to my account. This has cost me many XXXX of dollars, and I am angry about it. Wells Fargo refuses to change for me. 
I tried to refinance through XXXX XXXX XXXX, where they used to do it my way, but they no longer offer this service. I 'm sure if I go to other institutions they will sell my mortgage to one of the big banks who no longer apply payments as received. 
Can you help?
OnXX/XX/2016 I called the number listed on the Synchrony Bank/Sam 's Club Master Card website for a locked out password, Phone # # XXXX. The representative asked for my last XXXX digits of my social security number, my phone number, my cell number, my husbands last XXXX digits of his social security number, my mothers maiden name. All were given correctly. According to the representative that when the XXXX different phone numbers were entered into the system they could not be used to verify my identity, there fore the only assistance that she could give me was to send out a letter via United States Postal Service with a code. When I received that code then I could receive assistance unlocking my account and resetting my password. I then inquired if she could tell my the last transactions on my account. She said she could not due to the fact that I locked myself out of my account and this was to protect the account from fraud. It seems to me that this policy is opening the door for fraud because there was no way for me to verify the transaction. I instructed the rep to close my account. A couple hours later I called the number on the back of my card XXXX. I was identified by my home phone on file that I called in on and the last XXXX digits of my social security number ( the same verifications that I gave above ) I explained the situation to the rep. I told her I would like a list of my last transactions ; She was very helpful and was able to give me a list of my transactions. All the transactions checked out and were mine. I then asked her if my account that I closed out 2 hours be fore could be re-opened ( buyers remorse ). She was not able to. I then inquired about my rewards points and she informed me that the rewards points had been forfeited upon cancellation. She transferred me to her supervisor - XXXX - XXXX to see if he could be of further assistance. He was not able to reopen either and his response was " you were read your rights and the account is canceled per your request and can not be reopened ''. What I am asking for is that my account be re-opened and that the rewards be reinstated. I am also asking that your process for resetting an online password be re-evaluated. It is greatly flawed and if my card and points are not re-instated has lost you a good customer.
This complaint is connected to the first complaint I made in regards to PNC Bank. Today my mother and I received a call from an agent who works for PNC Bank. He was asking questions about what the complaint was about and he was using falsehoods and confusing lengthy statements to try to explain what the bank has been doing. When I closed my bank account ( which was in XXXX XXXX 's name and Social Security number since she used to be my payee but no longer is ) I said I closed the account due to " blatant fraud ''. 
A company named Simply Be, who uses comenity bank, has told me that my refund ( which is {$29.00} as opposed to {$36.00} due to shipping fees ) was sent to pnc bank and Simply Be says that it is not their policy to accept any returned money from PNC. PNC tells me that they never received the {$29.00} and if they had received it, it would go back to Simply Be and they will not mail out any checks for a closed account. The money was put into the account on the XXXX ( the PNC account ). The PNC account was closed on last Saturday. No one knows where that {$29.00} went.