WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015 I was entered into the care of XXXX. This of course came with some bills, the one I 'm disputing is in collections for a total of {$3400.00}. I do n't even know what the charge is for specifically or the amount and can not find the information anywhere. Every other charge I incurred during my hospital visit was covered by my insurance company at the time, XXXX. I had had the insurance since XXXX, and I have the payments to prove it. I was told by XXXX customer service on several occasions to give them time to send the payment over to the collection agency or the hospital asking for the charges at the time. They later changed their story and said they were no longer going to pay, even though during 2015 and at the time of the hospital visit, I was paying a premium of {$570.00} every month for the Silver Deluxe AX plan. I 've had insurance with them for 2+ years and they left me in the dark thinking they were going to cover what they agreed to and what I 've been paying for but they did not. And my debts have now been sent to collections. I know that these debts are not to be paid by me, but by XXXX, I have been paying my premium for a reason, it 's their debt NOT MINE.
On XX/XX/2018, I had received a fraud notice from Citi bank to inform me that there was fraud charge to my Citi/AAdvantage Platinum Select World Elite Mastercard account in amount of {$620.00} at XXXX XXXX # XXXX. Since I didn't recognize this charge, I immediately called Citi bank to dispute this charge and close out the credit card and Citi bank subsequently issued me a new card. Upon review of the detail charges to my Citi/AAdvantage Platinum Select World Elite Mastercard account once the new credit card was issued, I noticed that the fraudulent transactions of {$620.00} at XXXX XXXX # XXXX were charged to my current account three time on XX/XX/2018, XX/XX/2018, and XX/XX/2018 respectively ( in total of {$1800.00} ) and Citi bank didn't properly apply the credit against these charges. I immediately called Citi bank again to request a dispute and credits for all three charges ; however, they were not able to issued me a credit for the {$620.00} charges on XX/XX/XXXX and XX/XX/XXXX and told me these charges are still under investigation. I kept calling them every week to inquire the status of these charges and I have been checking on the status of these fraudulent charges closely throughout the month of XX/XX/XXXX. On XX/XX/2018, I looked at my account detail again and noticed that the credit Citi bank issued to me to offset the fraudulent charges on XX/XX/2018 was reversed on XX/XX/2018 and they further issued an electronic notice to inform me that the three aforementioned disputed fraudulent charges were valid!! This situation is getting so ridiculous and unbelievable because first, they didn't contact me directly explain to me why they concluded these charges were valid ; second, I didn't see any support that show my signature or any form of authorization to prove these transitions were valid ; and third, their process was completely inefficient and not did they exercise due diligence in this process.

I am a victim of these fraudulent charges and it looks like to me that the Citi Bank didn't take any action against the wrongful charges and would like me to bear the liability and pay for them!!
I made purchases using my Paypal credit product. One of the items purchased was defective and returned to the vendor. A refund of that item was never credited to the account. Upon request to file a charge back and get the appropriate credit, Paypal refused to allow me to file the charge back and initiate an investigation. I offered to them as evidence the Email the vendor sent regarding his reciept of the return and he even stated he " issued a refund and to please advise him if I see it now ''. I emailed the vendor back that I had not received the refund but have seen or heard nothing from the merchant. 
I therefore decided to file the charge back but Paypal refused to allow me to do so
I deposited my paycheck to my checking account at Bank of America, in the amount of {$1100.00}, on Friday, XXXX XXXX, 2016, at XXXX. On my receipt, it indicated that my funds would not be available until XXXX XXXX, 2016, at XXXX. 
Since I am the XXXX at my place of employment and handle the XXXX, checked our bank account when I got to work today ( Monday, XXXX XXXX ) and I see that the money for my paycheck was deducted from the account on XXXX XXXX, 2016. So, Bank of America has had my money since Friday, and will not let me have it until tomorrow at XXXX. I called my branch, and all they said was " it 's based on your relationship with the bank. '' I 've had this account for about a month, so what relationship? I asked her what they do with my money for three days and she said " we do n't have it. '' " Then where is it? '' I asked. " I do n't know. '' She said. Seriously? She also said, " Well, the check could still be returned. '' " Really? After you already have the money? '' This wrong and they should not be allowed to do this.
Ditech, LLC is the mortgage company that services my mortgage account and collects the funds for the escrow on my home. XXXX XXXX, XXXX, I received an Annual Escrow Account Disclosure Statement indicating an increase in my mortgage starting XXXX XXXX, XXXX. My mortgage is to increase from {$600.00} to {$760.00}. I was told by a Ditech phone representative this increase was due to an escrow shortage of {$3100.00}, as she presented this amount indicated on the escrow statement sent to me. I was told by the Ditech representative, at the company 's call center, that this shortage was a result of my XXXX property taxes of {$1400.00} and XXXX home insurance payments : XXXX- {$850.00} and XXXX XXXX {$910.00}. However, when these XXXX explanations add up to {$3100.00} and I paid {$120.00} in escrow payments for twelve months in XXXX. Therefore, my escrow payments for XXXX totaled {$1500.00}. Deducting my XXXX escrow payments from {$3100.00} will leave only {$1600.00} in shortage in my escrow account. I will need an explanation on why my escrow account has a shortage of {$3100.00} instead. This is {$1400.00} over anything indicated on my XXXX XXXX, XXXX Annual Escrow Account Disclosure Statement. The Ditech representative I spoke to on the phone could not provide an answer for the unexplained expenses. Furthermore, the representative said a supervisor would call me to provide an answer. I received no further communications on the matter. I need to know where these extra expenses are coming from or they must be removed from my account immediately and my mortgage monthly payments adjusted accordingly.
Green Tree the second lien holder for my home loan continues to be a stumbling block disallowing me the opportunity to take advantage of the HARP program and refinance my primary mortgage at a lower interest rate. I have tried to refinance XXXX times now. I applied this last time in XXXX of 2015 with XXXX, they have requested subordination from Green Tree, who charged a fee. XXXX XXXX paid the fee and have yet to receive the subordination requests despite several phone calls from the loan officer and myself. Today XXXX/XXXX/15 Green Tree informed XXXX XXXX that the request was canceled but could not answer why, yet they cashed the check. This seems unethical and unjust that the second lien holder is prohibiting me from taking advantage of the HARP benefits to include lowering my primary mortgage interest rate.
I need to report CitiMortgage for not cooperating with me in trying to do a modification through the government program. I have been trying to do a modification with them since XXXX 2014. My file has been restarted numerous times, always with a new account rep every few weeks, which resulted in the ball being dropped numerous times. Then I myself had to restart the process of submitting documents. I complied and submitted hundreds of pages over the last 2 years and every time I am told they have " expired '' and needed to be redone ... I 've been told one time upon submission to underwriting the processor totally did not include one of my incomes on " accident '' so again I started over ... .I believe they do n't want to participate in this program ( Home Affordable ) but are mandated to do so they just make it to difficult to actually get it through and qualified. After working so hard on this file since XXXX 2014 I now am just giving up and I believe that is what they were waiting to happen. The process with Citi has been totally unprofessional, actually disrespectful to me, and impossible! I am beyond sad after trying for over 2 years that I just emotionally cant try again ... It has been a huge amount of time and energy and work on my end, which Im not complaining about, I realize that work needs to be put in for the outcome I was looking for, but not 3 & 4 & 5 times!!! 
The process they follow and the constant changing reps, to the timing of their getting the documents submitted has been the most unprofessional process I have ever participated in!
I enrolled in the Income Based Repayment ( IBR or IDR ) on XX/XX/XXXX based on XXXX XXXX advice to have up to {$17000.00} of loans forgiven under the XXXX loan forgiveness program and a future opportunity for Public Service Loan Forgiveness ( PSLF ). Ive maintained employment with Title I public schools in an effort to obtain XXXX loan forgiveness after 5 years, yet now that Im finishing my XXXX year in XXXX XXXX I have been told if I take the XXXX  loan forgiveness, I will not be able to count any of the qualifying 60 payments towards PSLF. 

Ultimately, I decided to stay XXXX for a full 5 years at a XXXX XXXX institution after learning about the loan forgiveness options from my lenders. XXXX XXXX and Navient advised me to continue with IDR toward XXXX  loan forgiveness, but I never would have stayed employed with a public school if I had known about this discrepancy. My career decisions were directly related to how I was advised and counseled on my loan repayment options. I worked at XXXX XXXX XXXX for XXXX consecutive years thinking all along that I would have an opportunity for partial teacher loan forgiveness at the end, only to be told if I take that relief I will have to start 10 years of PSLF payments all over again. 

I now find myself in a payment plan known as the J-payment. Technically, this still falls under the IDR plan, but I never officially knew about my plan until XX/XX/XXXX. I fall into this category because my IDR plan lapsed on XX/XX/XXXX, and I defaulted to this new plan. This is just one example of how I have been misguided over the years and placed into various plans without adequate explanation. 


XX/XX/XXXX beginning of income driven repayment XX/XX/XXXX IBR plan submitted again ( not fully advised on what this meant for future payments or loan duration ) XX/XX/XXXX officially put into J-payment XX/XX/XXXX first payment in inactive J-payment plan since didnt renew Currently in inactive J-plan ( 60 months of payments made toward PSLF if I dont take XXXX  loan forgiveness )
Citi Bank Card has again blocked access to internet account can not dispute charges. 

phone number on web site to call has blocked me also
I received repeated calls trying to reach my partner on my personal phone number, this information was never provided to them. During phone conversation they was insisting that my number was provided to them. I verified with my partner that my number was never provided to them.
I called Loancare towards XX/XX/XXXX or XX/XX/XXXX. It took many calls to even get through to their cs dept. Finally, I was able to speak with someone about working my XX/XX/XXXX mortgage payment into my future payments ( aka, a payment plan ). My normal rate was around $ XXXX month. After the plan got set up, I was paying them $ XXXX month. I also had to fax them a form stating I agreed to the plan. I was assured that this debt would not appear on my credit report since I set up a payment plan with them. My mortgage payment was not 30 days past due at the time I set this up. I then received a letter in the mail telling me that my mortgage was late. I called and again, after many calls, finally got through to someone who said she had no idea what I was talking about as far as a payment plan for XX/XX/XXXX. So, obviously, that concerned me because it 's my credit and my home we 're talking about here and I have never been 30 days late on a payment. After a frustrating call, getting no where, I hung up and decided to leave a review. Then they responded to my review just asking me to email them. I was all paid up on my payment plan by XX/XX/XXXX and so I emailed them and asked specific questions like if they could confirm I was all paid up and my mortgage payment would return to the normal rate. Their response did not answer my questions and so I then responded, immediately, to the same email and they " promised '' to respond by XX/XX/XXXX. This was after 3 emails to them. So, here comes XX/XX/XXXX and still no response. I emailed them 2 more times and no response as of today. It is unfair that my account was transferred to LoanCare through XXXX XXXX XXXX without my consent and now I have to deal with a company that literally has no customer support. Here are my questions for Loancare who will not respond to me anymore. 



Thank you. The letter you sent caused confusion on my end. 

Can you please confirm, yes or no, the following questions : 1. Is my XX/XX/XXXX payment going to be {$540.00}? ( Y or N ) 2. Were the extra amounts I was paying, that started in XX/XX/XXXX being applied towards my XX/XX/XXXX mortgage dues for the repayment plan? ( Y or N ) 3. Were the extra amounts I was paying, that started in XX/XX/XXXX being applied to Principal instead of the XX/XX/XXXX mortgage dues? ( Y or N ) I need assurance that LoanCare has NOT been reporting to the credit bureau that I have missed my XX/XX/XXXX payment, because I set up the payment plan in XX/XX/XXXX, and was assured that it  would not go on my credit as a bad debt. 

Can you confirm that LoanCare is not on my credit report through any of the credit agencies? ( Y or N )  Thank you
ON XX/XX/2018 I SUBMITTED A SECURITY FREEZE WITH LEXISNEXIS AND I HAVE COPIES OF THE SECURITY FREEZE CONFIRMATION SO SHOW,, SO I DONT KNOW WHY LEXIS NEXIS IS SHARING MY INFORMATION WHEN I HAVE PLACED A FREEZE UNDER MY SSN,,, THEY SHOUDNT BE GIVING OUT ANY INFORMATION ABOUT ME TO NO ONE,, SO WHY IS IT THAT THE 3 CREDIT BUREARS STATING THEY GETTIN INFOMRATION FROM  LEXISNEXIS,,, I ASKED FOR YALL TO FREEZE ON MY FILE,, BUT YET U ARE GIVING XXXX,, XXXX AND XXXX ABOUT ME UNDER MY SSN,,,, I WILL BE FILING A SAMLL CLAIMS
The only acct I have ever had with XXXX XXXX XXXX was established and closed in XXXX. I have since worked for XXXX XXXX XXXX 2 years and paid this debt to a company called XXXX back in XXXX. Why am I being contacted regarding a debt that is XXXX XXXX XXXX and is paid. I have contacted the company through a dispute and adv them to send me a letter of validation from this acct and the only resp I got was from the credit bureau adv. that it was deemed mine. Is this a different account we are speaking of? I want paperwork regarding the service provided and address.
On XX/XX/XXXX, I was on the website XXXX. There was a link on that website for a {$200.00} Peoples United Bank checking promotion. I clicked on that link and opened a checking account. The requirements were : Have a direct deposit of at least {$100.00} within 60 days of opening the account and at least 10 debit card purchases of at least {$25.00} each post to the account within 60 days. I met those requirements in XX/XX/XXXX and the bonus was supposed to post in 90 days ( which it did not ). After contacting Peoples Bank numerous times and getting the run around, I was last told that I was not on their targeted list for this promotion which is why I did not receive the {$200.00}. The bonus language did not say anything about being on their targeted list. It was a link on XXXX with an offer of {$200.00} after meeting the terms and conditions. Please publish this complaint so others can come forward and perhaps file a class action lawsuit against the company for deceptive practices.
I deposited a check into my checking account today and the bank placed a hold on it for no reason for 10 days and did not tell me until the end of the transaction when I received the deposit slip. I asked why it was being held and they gave me no reason. I have banked with this particular bank for over 20 years, and the company I received the check from I have been with over 3 years. I have deposited many of their checks with no hassle or hold. I do not have a history of bad checks or bounced checks so I asked them for the check back and they told me no. They said I would have to wait the 10 days it said on the deposit slip. They were rude and did not seem to care about my money being tied up for the next 10 days. I told them that money is covering my bills and what am I suppose to do and they said sorry. I called their corporate office and was told that the check should have been returned to me when I asked. They also told me I should have been told that they could not deposit the check and there would be a 10 day hold.
I rented an apartment for 1 year, I gave a 45 day written notice prior to the date my lease was up and moved, 3 months later I received a letter stating I owed them over {$3000.00}, for not giving notice and early termination of my lease. Now the debt is listed on my credit report and I have little proof that I did give them notice and I have both my lease from there and the lease from the place I moved to, which the dates from those prove that I did n't terminate my lease early. I do not know how to go about getting this removed from my credit and I have never had any other problems with any places that I have rented before then and after.
This is a continuation of the attached description with Paypal : I send {$99.00} from my online bank mobile banking to Paypal using my name ( XXXX XXXX ) and my phone number ( XXXX ). I never received it. Paypal admits to sending my {$99.00} to someone else ( I later found out was a person named XXXX XXXX who I have never met or ever made any sort of contact with ) who has the same phone number somehow associated to his Paypal account. Paypal refuses to correct this mistake of sending my money to someone I don't know or intended to ever send to! I have had this phone number with Paypal since I opened my account and have kept it current by doing it online or with a Paypal representative over the phone. I have had this phone number for over 2 years now both initially with XXXX and later with XXXX ( after changing providers ) under the same phone number and with the same name on the bill. 
Paypal refuses to refund my {$99.00} and they refuse to look up their online records which show my attempts to update my phone number online either with home computer or my mobile phone ( way before the issue of missing funds ever came up ) and the associated I.P addresses which are recorded whenever someone goes online verify and confirm phone number and any other profile info with Paypal. Additionally, they refuse to look into the call logs of when I personally called Paypal and spoke to a representative to update and verify my phone number ( again way before the issue of the missing funds ever came up ). Why did i call or go online to verify my phone number? Because the system or a live agent asked me for verification over and over again as requested. Time after time and call after call with various Paypal representatives was I reassured my profile was up to date and current. Paypal has to have a online record as well as phone call log as to when i contacted Paypal via my computer IP address or direct phone call via phone number Why wont they refund me my missing money? Because they claim the phone number in question ( which they use to direction money transactions ) was verified and claimed by someone else ... with my phone number! Unbelievable. Even though original transaction I initiated with my bank used my name and phone number, the funds were still misdirected to someone else. Even though when i opened this account with my current phone number it was still lost. 
Paypal refuses to get my money or take any further actions to correct the misdirected and lost money. This is not acceptable.
NAVIENT Claims I owe around {$16000.00} for my private loan. I have been dealing with them for years. They offer no programs or options that are affordable for me. I can only pay at times on interest and my payoff amount continues to rise. They have called and harassed friends and family members I have never given them contact information for which is incredibly embarrassing. They provide no written information except contracts which are really hard for me to understand. Due to recent flooding I have lost all paper documentation.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ).
I initiated this loan as a debt consolidation. My car was used a collateral for the loan. Therefore it was listed as a auto loan on my credit report. Because the loan was on a car that was already well below the value of the time when I began having car troubles I was unable to get out of the loan because I was hooked. I owed more on the car that the car was worth. I parked the car and continued to make payments over some time I was getting increasingly frustrated because the balance seemed to never go down. When I inquired about how long I will be paying on the loan I was always told a vague response such as go online to look at amortization calculator. They would never tell me how much time in the loan was remaining. After several years of making payments I have had to refinance the loan on a couple of different occasions. The loan still appears as an auto loan on my credit report which prevents me from buying a replacement vehicle although I cant roll this loan onto a new car because the balance is too high. Upon the last refinance someonethis auto loan is amortized like a credit card. No wonder Ive been making payments for so long without satisfying the loan yet. I believe their marketing of a debt consolidation using an vehicle for collateral is deceptive because in essence you are going to pay so much more over the life of the loan. How can they report as an auto loan and amortize as a credit card. Is this fuzzy lending fraudulent? Based on this new information I still have a couple of more years of payments on a car that is more than 20 yrs old. I would like to be rid of this debt. I believe Ive paid enough towards this debt. Im have more than paid for the value of the consolisation.
I originally had an account with XXXX that was closed more than 8 years ago. The account was sold to XXXX. I settled the account for XXXX XX/XX/2016. I notified TransUnion to update my credit profile on XX/XX/2016 using the XXXX XXXX direct dispute and Transunion states that they concluded their investigation on XX/XX/2016 and that the account would remain open with the original balance of {$550.00}. They need to correct the inaccurate information on my credit report immediately. I have attached the XXXX XXXX Settlement Statement to this complaint.