WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a store card from Best Buy for over 10 years. Late XX/XX/2016 I had taken advantage of their 18 months " no interest '' financing offer when I had bought a brand new house and purchased a washer/dryer, refrigerator and two televisions. Long story short, I've consistently paid on time and a couple of months noticed that it seemed my balance was not going down. So I looked into the statements for any transactions or hidden fees and I noticed something labeled " Enhanced Debt Protection ''. I've been getting charged this fee for quite a significant amount of time now and I not only called Best Buy but also called representatives that dealt with the program. I explained to them that I had never opted into any sort of program or agreed to pay a monthly fee. I requested that not only do they terminate this program, but also refund my money that they've been sneakily charging me for all this time. That was nearly two months ago. They stated I had opted out of the program and that I'd receive a letter containing their response to my refund request. I have yet to receive any such letter, so I called mid-month this month and they told me it must have been lost in the mail. They put in another refund request and informed me that it'd be yet another 30-day wait till I receive a response, literally just biding them more time and starting the vicious cycle over. I am outraged at this company and Best Buy for not being more helpful with this process and ripping their loyal account holders off of hundreds if not thousands of dollars. Please, any assistance would be greatly appreciated. Thanks in advance!
The bank erroneously processed credit/ debit in my bank account from a merchant. They are trying to convince me that the amount cancels itself out. It looks ( according to the online ledger ) that I was refunded and then they were given the money back? The amount is for XXXX USD.
XX/XX/XXXX sent doctumentation to dispute debt. Never recieved notice before placed on credit report.. I have subitted proof numerous times of not owing this debt. asked numerous times for proof of alleged payment on this debt.. ( check? credit card? what bank? ) because i NEVER made a payment on a debt I didnt owe.. False bills .. current charges when I havent lived there in over 4 years!!!
Our issue began this year, because of a mortgage default. We attempt on several occasion to rectify with Bank of America. Currently we have experience a lack of communication by our appointed point of contact, and customer retention manager ( CRM ). We have receive notice that we qualify for a short sale, however after only two months of marketing we were informed that our marketing period had ended. We have research and informed the bank that in our current market the time frame to sale is at a minimum of 120 days. We have set varies appointment with the CRM, in which no effort to make contact was made by BOA, neither to us or to the Realtor on file. When we attempt to call the bank the representative who answer tells us that our CRM is not currently available, and attempts to help us with a limited capacity/ while informing us that we would have to make another appointment with the assign CRM. Our Realtor, using the XXXX system has submit, a offer ( cash ) that has been waiting in the equator system, for almost a week. Upon calling Bank of America, they informed us that the offer has not been reviewed, and that current the reviewer is not available. Furthermore that the Customer Retention Managers do not have access to the very system they are should using to help us with the short sale. As a Veteran of XXXX, I expected a little more cooperation. I have repeatedly ask that the property be reevaluated, as the values in our have are on a continuous decline. I am not sure where to turn. I am even willing to complete a deed in lieu, however upon asking the bank, apparently that is not an option. How is that not an option if the foreclosure sale date was already set.
Have  XXXX  and  XXXX . Charges from  XXXX   (    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     ) were incurred and I was unable to pay them at that moment ( after having   XXXX   XXXX   ) ... Yet, they as the state, freeze and control all state tax refund payments to me and my wife each year/and or with the help of the IRS, also our federal tax returns ... As such, this debt and any from them ever made, is automatically discharged each year as they collect me and my wifes state tax and federal tax refunds ... ..In essence, there is never a old/new debt due as we pay them via tax return refunds they get at the end of each year ... I have a feeling that this is the same law firm I have told repeatedly not to call me and they continue to try and extort cash from us ... ....
Several weeks ago a debt collector name Delta Management Associates Inc. phone XXXX located XXXX XXXX XXXX XXXX XXXX XXXX, MA. 
or XXXX. XXXX XXXX XXXX, Ma XXXX called me regarding a debt for a XXXX XXXX. I informed them that is not me and to not call again. week of XX/XX/XXXX the company called me again on the same number. On XX/XX/XXXX I received another call on the same XXXX number. This time I spoke with the manager who said his name was XXXX XXXX and he said they would remove me from their call list. However 10 minutes later they called again on a cell phone of mine. I then specifically asked them to remove all phone numbers that have my name listed on it from the area code in which I live. This they refused to do. Although they are referencing my name with the number they wanted me to give them my phone numbers. I told them you are only calling me because my name of XXXX XXXX is associated with this number and because you have associated my name with XXXX XXXX you are calling me. So easily you can find the numbers associated with my name and remove them from your list. They still insisted they won't do this. I believe this is abusive especially since the debt they are calling about is not even the person they are calling. They said they would remove the called numbers from the list yet would not send me a confirmation in email or writing and said only two numbers would be removed. Again I believe it is their job to know who they are calling and is not right to keep calling the same person again who doesn't belong to the debt.
I opened up a Macy 's Credit Card, and charged something. I paid the bill within the first cycle. But for some reason Macy 's has not credited my account correctly and the are harassing me with 'non-payment '. I faxed the proof that it was paid 4 times to the fax number they gave me.
Firstly, I never received any form of notice about this supposed debt in order to dispute. I only became aware of this debt by pulling my credit report. Since then, I 've been disputing online to no avail. Currently, the credit bureaus have prohibited me from disputing any further. After doing more research I began to request Validation from both the collector and the reporting agencies. After several attempts, XXXX, XXXX, and XXXX XXXX XXXX continue to verify this debt without proper validation. XXXX XXXX XXXX has only responded to me once out of the three times I directly requested validation from them with a voided contract that does not include them by any means. I 've told them they have no right to substitute anyone or entity that was not on the original contract. I have never agreed to do business with them nor required any of their services. They have yet to provide a valid contract that displays equal risk and full disclosure in order for them to say that any debt is valid and due to them. Also, XXXX and XXXX continue to ignore all my requests and fail to submit any proof of how they keep verifying this debt. Even while this account was in dispute, they continue to reflect non payment monthly on my report. It is to my knowledge that once an account is in dispute, no information regarding this account should be furnished. I am suffering from the erroneous information they keep posting to my account without providing any validation. This account is preventing me from establishing lines of credits and loans. It is a complete injustice.
Warner Asset Location Services called me on XX/XX/2017 for the first time. They told me the amount I owed for a past payday loan, and demanded I pay in full amount right then. They threatened that I have one hour to pay, or she 's going home and at that point they are faxing my employer a letter of employment verification and starting the process to garnish my wages. Their communication got worse from there. I asked for time to talk to my husband and she warned again that I only had one hour to call her back and make my payment. My husband advised that I ask for a letter in the mail to verify my debt. When I asked for this they said they do not have that because they are not the actual debt collectors, but an asset location agency. They refused to tell me who owned my debt and refused to mail me documents for my debt. They did e-mail me a " Letter of demand '' stating how much I owe their company. When we asked again for a letter in the mail the manager I was speaking to stated " We already sent you the email with the amount owed, we will not be sending you anything other than that. '' They continued to tell me that I must make a payment that night or they will be starting the process to take me to court in the morning. They gave me two options after we told them we did n't have the money. Our options were a settlement of the original loan paid in full at that moment, or payments of $ XXXX monthly until we reached the amount that we owed them. They refused to take anything less than {$200.00} a month. Finally, in tears from stress and intimidation I made the payment of {$200.00}, with an agreement to make another payment in full of the remaining amount because that 's the only option they 'd actually give me. They refused every payment method other than Visa or MasterCard. They told me if I was unable to make the full payment at the end of XX/XX/XXXX to call them back and talk to them and they would work with me. When I called them back toward the end of XX/XX/XXXX, unable to make the full payment, asking if I could make another payment of {$200.00} the woman refused to accept this, telling me it was not in our original deal. I told her if she will not accept it, to remove the payment arrangement from my account and to NOT take out from my account for that following Friday. I was in distress from their harassment when I made the agreement of paying the remaining amount, and now that I told them not to make the payment they are harassing me, calling 4 times in an hour and a half. After I was of sound mind, I realized this is not a legit collection practice, even if the business is, which, I 'm unsure of, because they refused to give me any information, and I could not find any information on their company on any business, collections, or XXXX site. Only other complaints.
Synchrony Bank is suing me through XXXX XXXX XXXX XXXX. They just recently sent a letter saying that my account was not with them anymore and was charged off to a new company XXXX. I find this to be an irrational measure to sue someone when you sent the debt to another company and have failed to work with the customer on securing an affordable amount per month payment plan.
Being laid off from work has led me behind on a few payments. Everyday I receive a call every hour on the hour starting at XXXX spanning to XXXX. I have requested that my house number not be called because it wakes everyone up. Even after requesting my house number not be called, I receive more calls.
Recently I was flying Spirit Airlines and they were advertising their Spirit Mastercard from Bank of America. The advertisement goes like this : Upon receiving the Spirit Mastercard, customers will receive XXXX Spirit miles after first purchase, regardless of the purchase amount. According to Spirit agents, XXXX Spirit miles is good for most XXXX flight tickets since their trip can be booked at XXXX miles/ticket. I wholeheartedly trusted their advertisement and submitted my application for a Spirit Mastercard although I have more than XXXX credit cards at that time because I was incentivized by their offer. However, after receiving my Spirit Mastercard from Bank of America, I started to look for flights I can book with my Spirit miles. After a thorough search of Spirit reward travel, I found about 90 % of my search results in reward travel requires XXXX miles per trip plus fees, and the remaining XXXX % results in reward travel requires XXXX miles per trip plus fees, which is XXXX and XXXX more than what Spirit had advertised. I am extremely disappointed by the way Spirit and Bank of America had advertised this credit card, and I felt victimized by their false advertisement. I am formally exercising my right as a consumer and seeking help from Consumer Financial Protection Bureau to thoroughly investigate this issue and have Spirit and Bank of America properly compensate the damages they have done to their consumers, including me.
On XX/XX/XXXX we purchased a XXXX XXXX XXXX XXXX XXXX  from XXXX of XXXX XXXX, FL. I live in XXXX, GA and saw the vehicle on their website. They did a Face Time to show me the vehicle and because I couldnt see everything up close, I asked them if there was any body damage or dents, and if the headlights were clear. They assured me that there were no dents or body damage, and that the headlights were not cloudy. In fact, the salesman said they had someone clean the headlights. When I received the vehicle, this is what was wrong with the $ XXXX vehicle I had just purchased : 1. Body damage in the amount of {$750.00} 2. Headlights were not clear ( part of the {$750.00} ) 3. The 2 rear tires had a XXXX manufacture date and were dry rot and worn and had to be replaced - {$650.00} 4. Replace Battery in the key fob - {$8.00} Further, when I realized that the vehicle didnt have a sun roof, they quoted me a price of {$850.00} to install a sun roof. They charged me {$1300.00}. I have called repeatedly and left messages for the manager to call me and havent heard anything. XXXX XXXX XXXX XXXX engages in deceptive practices and took advantage of me as a senior citizen and XXXX veteran. I have invoices to show that I paid for the body damage, 2 Tires and a battery for the key fob. I feel the difference in the price of the sunroof should not have been added into the loan and that the cost of the body damage and tires should have been deducted from the price of the vehicle.
I had XXXX back in XX/XX/XXXX. I was on on parents medical insurance and didnt think much about the bill. Turns out, my parents medical insurance for me did n't work because it was n't properly filled out at the Hospital. I did n't even know I had any medical bills to pay until I checked XXXX XXXX in XX/XX/XXXX. I never received a letter, phone call, or any type of notification to pay this bill from the Hospital or Debt collector. They put a derogatory mark on my credit and knocked it down over 100 points. If I knew I even had a bill, I would 've paid it to avoid the hit on my credit.
I have had a loan from HSBC. 

The monthly payment has been through Direct Debit for the past 13 years. 

HSBC made me a change of terms offer which was ambitious at best. Without replying to my questions, it stopped the Direct Debit and then reported me as late, ruining my credit. My credit score fell by 250 points as a result. I can no longer borrow. 

HSBC is saying it has taken steps to fix it but I can not trust HSBC ; I think that the problem is systematic
I am writing to document a formal complaint against SLS and XXXX mortgage servicing companies. 

Recently, SLS ( Specialized Loan Servicing Company, www.sls.net ) purchased my mortgage from my previous lender, XXXX ( XXXX ). The transfer process has been very frustrating ; consumers should not be collateral damage in the loan transfer process, particularly given the fact that consumers do not consent to the buying and selling of their mortgages. This has created an incredible amount of work for me and wasted a lot of time, and this clearly has been the case for others too, as evidenced by SLS ' reviews and XXXX online. 

On XX/XX/XXXX, payment from SLS to XXXX went through for the remaining principle ( based on a XX/XX/XXXX calculation ) for my mortgage ; however, on XX/XX/XXXX, XXXX also auto-drafted the monthly payment from my checking account. XXXX does not have record of this on my online profile and they have not forwarded this payment to SLS as both companies have said they would through the transfer process. 

XXXX now has sent my to a debt collector for failure to pay my XXXX payment and plans to auto-draft double my monthly payment from my checking account on XX/XX/XXXX. 

This is unacceptable, and has to stop. Consumers rights need to be protected during the home buying and selling process and the onus of record keeping should not fall to the consumer, the innocent bystander in this process. 

To make matters worse, neither LoanCare nor SLS offers customer support on the weekends. I work a very busy job with long hours and am not available to troubleshoot and clean up the mess that SLS has created during the weekdays.
On XX/XX/2017 I never gave permission to that company to check my XXXX XXXX, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
I received a letter from Synchrony Ba nk ( lo ses card ) stating there reduced my limit from {$3000.00} to {$2100.00}. The reasons were based in a part on a credit scoring system that was used, and my score was a  XXXX  with  XXXX . I find that to be interested, my payment was due on  XXXX / XXXX /  XXXX  , I was late by two days and made the payment and spoke with their client chat support via online. I explained I was late due to being hospilized with my   XXXX   XXXX    XXXX . I asked the representative to please waive my fee, which he did and i set up recurring payments. I 've been a customer with this bank for over 2 years and made timely payments and never utilized my full credit. I called their customer service number at  XXXX  on  XXXX / XXXX / 17  at  XXXX  ;  XXXX   XXXX . I spoke with an  XXXX  explained i wanted more details and speak with someone she hung the phone up on me, I called back again and got an  XXXX  and the phone was disconnected again. I feel very frustrated that as customer I ca n't get into with the credit division and to be treated this way. If i was not in the process of getting a mortgage i would of close my credit card. The major reduction with no bank credit contact has really caused me to question this bank integrity and client service. I 'm asking for someone to please help me get into touch with this bank.
Recently, I discovered that Navient, who absorbed my loans from XXXX XXXX, has my monthly payment amount hidden away as a different amount than agreed to through XXXX XXXX in XXXX of last year. I agreed to pay {$610.00} per month, and they have the amount documented as {$640.00}. 

There are a few problems that I have with this:XXXX. I was under the impression that when my loans transferred to Navient they would stay the same, or I would be notified of any impending changes. 
XXXX. I was never notified of the change to a new payment amount. 
XXXX. I never received a new agreement letter from Navient. My cosigners did, however, it does not indicate what amount is due per month. In addition, the letters do not even accurately describe the loan amt between my mother, father and loan number, and sound as though my parents signed an agreement on a new loan. I never received a document stating I had taken new loans through Navient or anything of the like. 
XXXX. I did n't notice the difference previously through late fees or penalties, because I over pay every month. 
XXXX. XXXX XXXX REQUIRED that I sign up for automatic withdrawal for this " payment plan. '' That payment is set to come out every month, on the XXXX, at {$610.00}. Navient has continued to take out {$610.00} per month, another reason why I was unaware of the change. 
XXXX. If I did n't over pay, they would be automatically taking out an amount less than what they indicate my payment is. What would that be doing to my balance and interest? Does this currently have a negative effect on my balance? 
XXXX. I had to hunt for this information. My billing statements never indicate what amount is due per month, which always leads me to question if they 're actually applying the payments to the current month, or considering it a payment into the month ahead - a topic addressed in previous CFPB complaints about Navient 's predecessor, XXXX XXXX. 
XXXX. I also discovered that I no longer have access to my previous XXXX XXXX documentation. I requested information on how to access previous correspondence and have received no reply. 

I have supporting documentation to provide.
I recently had a Collection appear on my XXXX Credit Report as of XX/XX/XXXX from Ability Recovery Service. I have never spoken with this company prior to this date, nor have I received any written correspondence regarding alleged debt. 
I contacted the company and I was hung up on and was spoken to rudely when I attempted to get information as I have no knowledge from this alleged debt from this company or the original creditor. After reviewing my records, the date of service that they alleged is not one that is in alignment with the last time I was in the hospital after an automobile accident in which that debt was paid so this appears to be an error. I also received nothing from the original creditor. I received no notice or validation of this debt from this agency or the original creditor. I have no knowledge of this debt. Upon finally being able to speak with someone, they confirmed they in fact allegedly sent information to the incorrect address so I have no knowledge of this debt. They said the debt is from XX/XX/XXXX but have it listed as XX/XX/XXXX on my credit report so they are also modifying dates to reage the account.
I have tried to contact the company ( Nordstrom ) in regards to a wrong reporting of 2 payments. It was on automatic payments and they failed to accept the payment on time. Back in XXXX and XXXX XXXX they reported on my credit report that they were late yet have not been able to provide evidence to validate i the consumer is at fault. I have requested for them to removed these false accusations and have not been taken into consideration.
This company is a scam, I knew I should have never trusted them but they talk a good talk and took my money and did nothing. I paid them over {$3200.00} because they had promised me they will be able to save my house. I told them that I was already denied a loan modification but they insist their program is different and they get complaints open with government officials to force my lender to agree to reinstate my loan and restructure the loan to a more affordable term, which was a lie. After that fail even tried to tell me to file for bankruptcy and referred me to some lady name XXXX who advised me to file chapter 13 but could n't because I had filed too many times already so I do not understand why they would take my money and offer to file bankruptcy for me, that is not what they advertise. I almost lost my house because of them. I tried asking them for my money back in XX/XX/2016 and they took more than 4 months just to offer me a refund of {$320.00}??? All they did was file a complaint which I could have done myself, this a complete scam. I do not believe it is worth {$3000.00} to file a complaint to help me secure a loan modification. They are nothing but scam artists and they need to be stopped. According to the FTC MARS rules, it is illegal for them to collect my fees upfront but they claim they do not have to follow that law. I just want my money back since they did nothing they had promised. I refused to accept their offer to just return only {$320.00} out of the {$3200.00} I had paid them not to mention additional out of pocket expense of {$120.00} to use their notary service. So total I paid for help through them is {$3300.00}.