WillisBack/dataset-financial-user-claim huggingface dataset:
My JCPenney card has a deferred interest balance for window coverings I purchased a few months ago and requires {$25.00} minimum monthly payments. In the previous billing cycle I charged {$9.00} on my JCPenney card and by the due date I paid {$34.00} ( {$9.00} in charges plus $ XXXX monthly payment ) by the due date. My current bill shows a {$2.00} interest charge! It took a XXXX minute phone call to JCPenney to possibly correct this. XXXX representatives, XXXX & XXXX, said I was the problem, that I had not paid enough! Finally, I discerned that all payments go towards the deferred interest charge ( except for XXXX pennies in my case ) and almost nothing was credited to the current charges. This appears to be a scam, a way to charge interest on current charges even when they are paid in full. I was told by XXXX that the only way to be able to pay current charges and not be charged interest is to call every month when I make my payment. Now, considering that it took XXXX minutes to digest all of this, I believe many are being overcharged interest by this devious scheme.
AllianceOne contacted me in XXXX for a debt to XXXX. I made payment arrangements to pay off the balance from XXXX of XXXX to XXXX of XXXX ... completed the payments and paid off the balance. In XXXX of XXXX received a call stating that I still had a balance, basically equaling 1 monthly payment. Asked for verification and received a letter with all payments made, totaling more than the original balance and a list of Fees and Interest charges from XXXX ( some that were charged after I started the payment plan ). They refused to give me any clarification on what those fees were for, or which ones were interest charges. When I asked for further explanation and documentation they said they were going to close the account as being disputed and hung up.
My car was repossessed illegally by Capital One Auto Finance on XX/XX/2018 during the night. In fact without notice of late payments or warning of repossession, Capital One Auto Finance came and picked up my car in the drive way. I had appointment that morning and could not find my car. I was about to go to the police and let them know that my car was missing, when my friend advised me to call the bank, which I did. And I found that the car was repossessed. I tried to argue but I needed my car. I asked them the amount I owed them and they told me {$490.00}. They also told me that when I go to get my car I would have to pay {$35.00} storage fees. I did pay the amount due of {$490.00} on XX/XX/2018. I went to the Capital One local branch and my friend to another local branch to make the payments ( XXXX  and {$300.00} ) the same day. Capital One also told me as soon as I make the payments to the local branch to call them so that they could verify the payment and send an electronic message to the place where my car was stored. I did call them and was told to wait 10 minutes, before calling the XXXX XXXX. I called to get my car back, but could not get XXXX XXXX XXXX XXXX on line. They were close for the day. I went to XXXX where my car was stored, paid the {$35.00} on XX/XX/2018, after waiting for several hours in the cold, rain, and wind, because the car was not in XXXX, and was still in transit I was told. I received a certified mail from Capital One auto Finance on XX/XX/2018 around XXXX XXXX. It was a notice of Sale and Right to Reinstate & Redeem. I have received also the same day (  XX/XX/2018 ) the records of my payments that I have requested several weeks ago. 
On XX/XX/2018 I have received my bank statements, and strangely I found an unjustified Repossession fee assessed of {$370.00}. I called Capital One Auto Finance, and the first person I spoke to, told me that she could not see that amount on her screen of the computer. I was transferred to another person who told me that the fee was the storage fees. I told him that I do not agree, and this was an abusive fee, and we did argue. I told him that I am going to report this to the consumer Agency. 
My monthly payments is XXXX, I was told that I did not make a payments for 90 days ( XXXX x XXXX = {$730.00} ), which is not true, and I was asked to make a payment of {$490.00} to get my car back. 
My complaint is about illegal repossession of my car, and unjustified fee, and mistreatment. I am asking compensation for mistreatment and removal of unjustified fee. 
Please find included : 1/Vehicle Release statement 2/Payments made on Capital One branches and XXXX for storage fee 3/ Monthly statement 4/ Notice of Sale and Right & Redeem page 2 & 4
Seneca Mortgage - loan Servicing, Posting of P & I and misapplication of payment.
I was placed into Collections for an ER visit on XX/XX/2016. I did not visit any Emergency room on that date. The company that bought the debt did it for their gain maliciously. For the record I have a primary insurance and a secondary insurance and I never have any co-pays so there will not be any reason why I will have a medical bill that is outstanding this debt is bogus. I want your company to cease all further contact with me. If you have any questions or comments I will gladly give you the phone number to my attorney. I want the CFPB to investigate this matter.
Hello, I have a checking account with Huntington bank. I recently made a bill pay through my checking account for {$1600.00}. The payment was issued and mailed by the bank on XXXX. My mortgage company never received the payment. I called the bank multiple times and spoke with several managers. The check that Huntington bank issued returned back to Huntington bank stamped ( returned back to sender, the address does n't exist ). However, Huntington bank still states that the payment was cashed when my mortgage company never received it. 
I spoke to a supervisor XXXX on XXXX, she indicated that the money will be placed back to my account on XXXX at XXXX. 
Today, XXXX, I still have no money. Multiple calls later, i have no answer about my missing funds and XXXX does n't return my calls. The bank admitted that they have a glitch on their part and the check was never cashed BUT they still refuse to deposit my money back. I spent so much time on the phone and even though I was promised for the money to be deposited back it 's still missing!!!!! I feel like HUNTONGTON stole my {$1600.00}! They just simply pocketed it! My money is still missing and I cant make my mortgage payment!
This is a Company that had a diffrent interest rate that I signed and the copy I have was not legible to me at the signing of this contract. I will be sending you some paper work on the problems and how it got to this. this complaint goes against two companies. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. TX XXXX XXXX, Fl XXXX The complaint is for shady lending practices and lying giving me poor contract documents that I got from these two agencies. My notes will tell you this problem and how I try to work with them but refuse to contact me in a Reasonable time frame.
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under sections 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank you
they charged me overdraft fees and a XXXX extended over draft fee and now i cant use my debit card even though i have card protection i call them they did nothing to help. I was in Texas during XXXX XXXX they claimed to have no over draft fee for a curtain time frame but i was charged
i bought a new car thru kia finance the monthly payments are due on the XXXX of every month I enrolled in auto pay to have it withdrawn automatically from my checking account on the XXXX of every month, I called to cancel auto pay because I decided to pay myself on the due date every month I was told that my DUE DATE was changed to the XXXX instead of just my request for auto pay on the XXXX when I brought this to the attention of XXXX supervisors I was informed that the DUE DATE could not be changed for a year!!! I explained that it was an error on their part not mine and was told that there was nothing they can do they made the mistake I never wanted the DUE DATE changed
On XXXX XXXX, 2017 XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX took over a mortgage loan or line of credit I owe to XXXX XXXX XXXX in which I was making monthly payments of {$500.00} towards the loan and 100 % of that payment was being applied to the principal debt which was {$120000.00} with no penalties or interest added. Now XXXX XXXX XXXX XXXX XXXX, is asking to pay them {$230000.00} and they are claiming interest, late charges finance charges. I believe that the amount they are claiming is not accurate every time I try to reach them they do n't want to give me the opportunity to work with all they want to do is to do a foreclosure on the property so they can get their money in full. I 'm willing to work with them in regards to this matter. I truly believe that they are overcharging and the amount owe is only {$120000.00} which is what they pay XXXX XXXX XXXX. I hope I can get some because I 'm very desperate and afraid I will loose my home.
I have been with this company XXXX after I was bought out from XXXX. I have called them and also had to tape record them through out the years because of the issues witch I had with Nation star. It always seem to happen around the year of reanalyzing my escrow. I always found out they were over charging me I continually keep watch on my mortgage. On XX/XX/2017 I called I received a letter that my mortgage had went up because my taxes and insurance had went up, I then called the XXXX and my insurance and got it lowered down and I called them they told me my shortage was {$350.00} I then had a three way conference call with the insurance agency she assured them my mortgage insurance went down from {$740.00} to {$560.00} they said they would reanalyze the escrow and it would be lowered before XX/XX/2017 On XX/XX/2017 at XXXX I called a spoke with some lady name XXXX she replied that she was the escrow I asked her to connect me with the escrow department she replied she was the escrow department I told her she was with consumer services what is the problem she ca n't connect me she said she put in to have it checked with the escrow department I then explained to her I had already spoken with someone from the department she told me to hold and kept me on hold for two hours until the phone hung up. I have some recording of some of the communication from the other dates involving the conference calls. I also made them aware I was recording our conversation because of the misunderstanding past the years I 've been through. I 'm just asking that my information be corrected. Before XX/XX/2017 If not I should be refunded back not adjusted this could be avoided if Nation star does what they should.
XXXX  XXXX is using midland/mcm/encore to abuse service members and retirees. when bureus are asked- no audit trail is provided- buttons are pushed- daily checks are made to companies. any attempt to remove mcm/micland results in harassment by credit one- which owes me over 120K in tcpa fines and refuses to pay. they did not stop harassing my XXXX line. furthermore mcm/encore has been sued by you and refuses to pay up - and remove the slander on my files. furthermore companies are reporting to XXXX and other subCRAs- which shoul not exist like clarity to continue perpetuated abuse and public defamation. Then these sub CRAs which only credit companies use- and like to hide info on thier associates- actively deny on basis of outstanding debt when there is NONE. Its is a cyclical debt resale game.
My son and my daughter takes full responsibility to pay there student loan, but yet the collection agency is bullying and harrassing me to paid for these loan. even those i co-sign the parent plus loan.my understaning is that if there are willing to paid, since they are adult and willing to pay.why are they not granted this opportunity to do so. Additionally i am requesting an itemize billon the loan amount for the tuition, how much has been paid and much remaining.since the XXXX XXXX when out of business i could not get a live person to speak with regarding this critical matter. Leaving me very devastated and high stress level. collections agency theathening to garnish my salary. MY XX/XX/2017 tax return was seized my navient loan company. thank you for your assistant regarding this matter.
My account with  XXXX   XXXX  was closed after I voluntaried surrendered my vehicle to them. For years it reported as closed & now it 's being reported as open with  XXXX  of the credit bureaus & I would like the information on my credit report to be reported accurately.
On  XXXX   XXXX  of  XXXX , I was ordered to appear in  XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX , Indiana to defend myself for a credit card debt through  XXXX   XXXX   XXXX   XXXX . I appeared that day, signed in with the desk to notify them I have arrived, and was called upon in the hallway by  XXXX   XXXX   XXXX , of  Sprunger Law offi ces located in  XXXX  Indiana. The attorney did not identify himself as the defense attorney for  XXXX   XXXX   XXXX   XXXX  and asked a series of question for personal information. I assumed he was the courts clerk to verify my identity. Once he obtained his information and I had signed the documents he said  " Ok, thank  you. You are free to go. ". Puzzled I asked why I was not attending this hearing, where he then explained that he was the defense attorney for  XXXX   XXXX   XXXX   XXXX  and he had all he needed, then walked away. I then left, confused. I later understood what had happened once I received a garnishment order for 25 % of my paycheck for a total amount of {$9600.00} plus costs.   On  XXXX   XXXX ,  XXXX , I sent a certified letter to  XXXX   XXXX   XXXX   XXXX  requesting all of the documents bearing my signature to prove the debt was mine and to file a dispute. Note : I checked my credit reports the same day to verify the account had not appeared as disputed in the comment section. This certified letter was signed for on  XXXX   XXXX ,  XXXX .   My letter was then forwarded t o Sprunger Law Office, whe re  XXXX   XXXX  retuned an envelope with documents bearing my signature, but without all of the documents I requested in accordance to the FDCPA and FCRA.   I then waited over 31 days and sent another certified letter on  XXXX   XXXX ,  XXXX  stating that neither  XXXX   XXXX   XXXX   XXXX  nor  Sprunger Law Office ha ve contacted  XXXX ,  XXXX , or  XXXX  to note that the account had been disputed in the comment section. Note : This letter was signed for on  XXXX   XXXX ,  XXXX  at  Sprunger Law Office. I reminded them that neither Sprunger Law office, n or  XXXX   XXXX   XXXX   XXXX  were in compliance with the FCRA  623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]. A s they have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or inact ion ) on their behalf may result in a sm all claims action against their company, and would be seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identify fraud, violation of the FDCPA, and violation of the FCRA.   I have yet to receive any documentation of their stance for this debt removal and my wages are still being garnished.
I was denied a loan modification by Caliber Home Loans. I was told by a HUD affiliate at XXXX XXXX, after reviewing my documents, that my chances of getting a modification were good and there was plenty of room in my existing mortgage for modification ( my APR is 7.12 % ). I feel that I was not provided a fair review because I am XXXX.
To Whom It May Concern : First case CFPB # XXXX GM Financial Acct # XXXX On XX/XX/2018 I submitted a complaint to the Department of Agriculture regards my pay off amount disagree and discrepancies on payments and months to go, but GM financial did not response to Dept. of Agriculture or at least before I submitted the complaint to CFPB. After I submitted my complaint to Consumer Financial Protection, and received an email that GM Financial responded to the complaint and sent a letter to me which I just read it. I have not made the {$260.00} payment from XX/XX/XXXX, waiting for CFP response. Because I am not agreed with their response, I called again to CFP and spoke to an agent. Even with the deferred and overdue payments and the contract that I signed, this car is paid off. I already paid to this XXXX XXXX and if I add the {$260.00} for the month of XX/XX/XXXX the total amount will be {$18000.00} summarizing my payments with the statements I received from GMFinancial, with a margin of error. I paid this car double ( 2 cars payment in one ). Therefore, I think is not fair to continue making payments to this account. This is inhumane for me and for others who have been through the same or worse. I am going to send my last payment which was due on XX/XX/2018 according to their contract a car in the amount of {$6900.00} at an interest rate of 16.25 %, repaid in 72 months installments in the amount of {$260.00} per month, 72 months already passed and the total amount as you can see exorbitant. 
Hopefully you can help me to solve this situation in a fair way. 
Thank you so much XXXX XXXX XXXX
i contacted Equifax online and filled out a dispute about a reported account in collections that is not mine. when i submitted the form they said they cant process it. they stated that i had loans out in the multiple choice questions which i checked 'none of the above '. i have never had loans out. they said that the information did n't match their records and prompted me to fax my drivers license. they did n't give the option to email a copy. im very tired of getting the run-around. attached are the disputed reports. the collection agency said to dispute it with Equifax.
i got a cash advance of {$250.00} been trying to pay it off and i was told i have to be able to pay the hole amount of the cash advanve, recently i make a payment of {$1000.00} to my credit card and when i check my statement the cash advanve was not covered.when i call they refused to cover that amount from the XXXX dollars and they are charging me double interest my regular purchases and my cash advanve even though that i want to pay those XXXX they just refused to covered that amount.i want those XXXX covered withthe XXXX dollrs to stop excess interest
My issue is with my federal school loans being discharged through the Public Service Loan Forgiveness ( PSLF ) Program. XXXX XXXX handles all PSLF applications and have no other way to resolve my issue but through them. I have been eligible for PSLF since the beginning of XX/XX/XXXX. XXXX XXXX  contends that I still have more than 3 years left to pay on my federal loans to become eligible. Their basis for that conclusion is that I consolidated my previous federal loans into one in XX/XX/XXXX, making all previous payments ineligible. My first contention is that I was told several times by the previous loan servicer that the consolidation would have no effect on my PSLF and I was encouraged to consolidate.

My second contention is that ALL my school loans have always been federal loans ( Federal Stafford Unsubsidized/Subsidized, Direct Unsubsidized/Subsidized, Direct Consolidation Loans ). Per 34 CFR 685.219, I have met all the requirements allowing my school loans to be discharged through PSLF. Nowhere in that CFR does it state that consolidating previous eligible federal loans into one federal loan makes previous payments ineligible. This means XXXX XXXX and/or Department of Education ( DoE ) are arbitrarily foregoing what the original CFR states and denying PSLF applications. XXXX XXXX is refusing to acknowledge this error in their assessment of my PSLF application and change course so as to rectify the issue. I have no way to appeal to any other loan service provider and/or to someone who can recognize the multiple flaws that plague XXXX XXXX   assessment of PSLF applications.
I Did a modification with Bank of America in XX/XX/XXXX, so around XX/XX/XXXX.or XX/XX/XXXX. 
I started receiving copies of my modification packet stating while reviewing the documentwe noticed that XXXX or more items were missing in order for it to be recorded at the localcounty recorder of deed. Bank of America wants me to sign the new modification papersI had an attorney to do the modification I was even offered XXXX dollars to sign, but Ido n't Trust Bank of America.
starting on XXXX XXXX thur XXXX XXXX, XXXX i have disputed serveral accounts on my credit report with XXXX XXXX. XXXX XXXX XXXX, GA XXXX, Experian XXXX. XXXX  XXXX XXXX, TX XXXX, XXXX XXXX XXXX Consumer Dispute Center XXXX   XXXX XXXX  XXXX XXXX, PA. XXXX, and i have requested validation of debits listed below and a copy of my wetting signature per the fcra and if not for them to remove from my file. the deputes were sent certified mail and i have copys of everything.the third depute i sent all three failed to give me any proper documentation with my signature on it and they have now refused to take any more information about my deputes unless it is new information. they are not following the rules per the fcra and i have no more options but to file a complaint and take legal action against all three credit reporting agency s listed above .they are in clear violation of the fcra .they refuse to do a proper investigation and provide that in 30 days. 

XXXX debts account number XXXX unverified account. 
XXXX/XXXX  or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 
XXXX/XXXX or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 

thank you XXXX XXXX
At the time a " line was opened '' i was homeless i do have an older brother his XXXX now he had my papers and etc so he opened aline with out me knowing i was sleeping on sofas trains i havw proof of my homelessness.
Analyzed credit report on XX/XX/XXXX and noticed that an unknown collector, XXXX XXXX XXXX XXXX XXXX had a derogatory tradeline posted on my report in the amount of {$1200.00}. In XX/XX/XXXX, requested validation of the debt and copy of the active bond required by the state of Texas under the Finance Code 392. Unfortuately, I did not receive this information. After reviewing the database from the Texas Secretary of State Office, it appears that XXXX. XXXX XXXX XXXX are in violation of the Bond Requirement stipulated under Section 392.101. It states that ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bon must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. XXXX XXXX XXXX XXXX XXXX has not had an ACTIVE bond in this state for quite some time and illegally trying to collect on a debt that has not been validated. According to Texas Finance Code Sec 392.101 ( b ) ( 1 ) ( 2 ), I have been greatly damaged financially by the reporting of this alleged debt that this organization can not collect legally. The bureau is not in compliance with XXXX XXXX since XXXX XXXX XXXX XXXX was not legally able to collect on the alleged debt, in fact, to even report it to the bureau. I request that this tradeline be removed from my credit report since it is illegally posted and damaging my credit standing.