WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I call Bank of America- Merrill Lynch for information on my balance owed on my VISA Signature ( Merrill+ ) credit card. The automated service quotes me a current balance on my account : {$1800.00}. So I intended to make a phone payment of {$1800.00}. When I chose the option to make a payment, the automated service quotes me the amount of {$1900.00}. This amount was not current but based off the statement datedXX/XX/XXXXXXXXXX/XX/XXXX. I received a credit from a merchant : XXXX for {$42.00} on XX/XX/XXXX, and another credit from them for {$7.00} on XX/XX/XXXX that was yet to be reflected in my statement for the following month. I was informed by Bank of America, I would receive a finance charge if I only paid the {$1800.00}, which would have brought my account to a {$0.00} balance. I had a {$0.00} balance on the previous statement. So, essentially, I would have to pay more than my current balance and have a credit of {$50.00} on my account to avoid a finance charge, even though that amount has already been credited on my account. If credits affect my current balance, then I should not be paying finance charges for bringing my balance to a {$0.00} balance. I was told by XXXX, a supervisor that Bank of America does not acknowledge credits to the account even if they are reflected in the current balance. Bank of America is misleading their customers by having their automated system state a customer 's current balance without a disclaimer stating that the full amount of the statement must be paid even if there has been a credit on the account. This racks up huge interest charges for Bank of America because the automated message regarding account balance potentially presents two different balances without explanation or instruction. What if I had bought a large item like a boat for {$5000.00} with my Visa, returned the boat due to faulty mechanism, the {$5000.00} credited to my Visa account within two days after the statement. Would I then need to pay {$5000.00} toward my now current balance of {$0.00} to avoid a 10.00 APR interest fee on my account? This is fraudulent and misleading. What right minded person would pay more than they owe when the balance is {$0.00}? Bank of America-Merrill Lynch is scooping up the millions in interest fees because they have mislead their customers to think they should make a payment based upon their current balance. Bank of America- Merrill Lynch is capitalizing on their automated services to keep customers from knowing what would keep them from paying unnecessary interest fees.
PCMB company deceived my mother Monday XXXX XXXX 2016 in the XXXX. stating I left them her number to reach me at. which is a lie I spoke with them on XXXX XXXX 2016 stating I will resolve issue on Monday XX/XX/XXXX once I move money and that I will call them back. I know its against the law for debt collectors to call my mother she has nothing to do with my accounts. I think the should pay debt owed themselves to card company on my behalf for deceiving my mother which has nothing to do with this debt.
O n XX/XX/XXXX  I was served a summons for a medical debt with multiple accounts dating back to  XX/XX/XXXX . I li ve in Mississippi, which is also where the debt was incurred. The statue of limitations is 3 years in Mississipp i, Medical debt is exclud ed however only when due to a government entity  ( ie-county hospital ). This debt is from a privately owned   XXXX   XXXX   XXXX   and was assigned to a   collections agency at 60 days. The judgment issued is for  XXXX  different  XXXX , which they rolled into   XXXX .  I attended the court hearing and brought up the statue of limitation and also questioned debt collector on the agreements for the debt, which they did not have. The judge allowed a continuance for the debtor and I will have to attend court again o n XX/XX/XXXX . The ju dge said medical debt is not subject to the statue of limitations, however I have also attached a letter from the attorney general which provides proof that this debt is invalid. I would like to file a FDCPA complaint
XX/XX/XXXX. Navient consistently and continuously encouraged and instruct me to use deferment & forbearance methodologies & not offering repayment/income/graduated programs. Interest has compiled up over the years and I have made no dent on my loan. They incorrectly applied & allocated payments to my loans whereby interest accrued.
-Wells Fargo harassed a XXXX and violated both protective orders and his civil rights under the Fair Debt Collection Practices Act -Wells Fargo perpetrated XXXX-fraud and financial exploitation by creating a fraudulent line of credit, charged to a senior without his knowledge, understanding or any benefit to him, and then collected from him on it despite his protests -Wells Fargo showed bad faith, taking from XX/XX/XXXX to XX/XX/XXXX to " investigate '' the elder-fraud, then stated that there was no fraud, then stated there actually was only when told that an advocate would not waive XXXX XXXX legal rights -Wells Fargo has ignored and continues to ignore requests to restore the money it took from a XXXX based on a fraudulent loan that it issued despite written acknowledgement by a Wells Fargo attorney that it is indeed fraudulent
I received a call from Performant Recovery on my work phone yesterday XXXX. When I answered the lady identified herself and said she was calling to collect a debt from when I attended school at XXXX. Currently I am in a program with XXXX relief to handle my private school loans. I told her do n't ever call this number again because it 's my work phone. She got angry and said well I ca n't reach you at your other phone. I said I do n't care do n't call this number ever again. She said I 'll just call the other person and hung up on me. She then called my mom 's work phone and harassed her. This made my mother angry as well. Very unprofessional and very ILLEGAL!
I have a XXXX credit card and used it for a purchase on XX/XX/18 of {$21.00}. I do not remember getting a bill or misplaced it with other mail. I received a bill on XX/XX/18 for my {$21.00} charge with a fee of more than the charge of {$22.00}. Now, my {$21.00} bill is {$44.00}. I called the bank who issued my card Synchrony Bank, at XXXX, on XX/XX/18 and spoke to XXXX, badge number XXXX and he waived the charge bringing my balance down to {$21.00}. 

I called again today wanting to know the rate of interest, was told it was 16.65 %. I asked why the charge for fees were {$22.00} and she said about the rate when I signed up. 

I told her I would be issuing a complaint about excessive charges. She said she would do a complaint on her end too. I still, at 16.65 % can not see why the fee charge of $ XXXXwas on my bill. That charge is way over the 16.55 % fee. 

I am not doing this for me, but people who can not afford to get fees like this and would appreciate it if your agency can check into Synchrony Bank and fees charged. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Florida XXXX.
I just checked my credit score on XXXX and my score on transunion has gone down again. There have been inquires added to my report which I do not understand as I have not applyed for credit. Some of these inquiries that were put on are from the year 2015 how is this possible? I am complaining because I am trying to obtain credit and I am very concious on paying my bills and keeping my credit report accurate. There are disputes I have pending with all XXXX credit reporting company 's however how does transunion add XXXX inquires on my report that they claim were done in the year 2015? this is affecting my score in a negative way and I am very upset how they get away with this information that I did not do.
I have been disputing an account that is reporting on my credit reports that are due to identity theft. There is a XXXX XXXX account that was opened up in my name frauduantly. I have disputed this time and time again. Finally XXXX has confirmed it was identity theft and was told they are removing it from my credit report. However I just received an e-mail result from equifax stating there investigation shows that this account belongs to me. I am furious that this is still continuing and it is affecting my credit score and me in obtaining credit. I have called XXXX XXXX thousands of times requesting how I go about reporting this fraud account? I was told I need to fill out a form. ( I requested that form to be sent to me and never received it ). I am about to spend the money to obtain an attorney to sue XXXX XXXX as they keep reporting this fraudulant account on my credit report. This is beyond ridiciulous and I am going to be taking further action because it is affecting my credit. I am being held responsible for something I DID NOT DO. I am submitting this complaint in hopes that this gets cleared up and rectified.
BANK OF AMERICA CLAIMS TO BE THE OWNER OF MY MORTGAGE AND SO DOES XXXX XXXX XXXX, BOTH OF THESE ARE LISTED ON MY CREDIT REPORT AS OWNING THE EXACT SAME DEBT, MY HOME IS IN FORECLOSURE FOR NEARLY 4 YEARS NOW AND SET TO BE SOLD ON XXXX/XXXX/15 WITH NEITHER OF THESE ARE THE CREDITOR!!! BOA IS THE PLAINTIFF AND IS UNDER REVIEW WITH XXXX OFFICE.
I took a loan with Wells Fargo. The principal is paid in full but they are still looking for {$320.00}. they are claiming that i was late paying but even if that was the case, i did make the payments and they should have gone towards late fees. instead, they added fees to the late fees ....
This is a continuation of my previous complaints that have not been sucessfully resolved. 
Here are the facts : 1.There are missing payments from both bankruptcy cases, ( I sent the the doc. with proof and they ignored them and forclosed anyway ) 2.There are missing payments from the XXXX or XXXX different mortgage companies we paid to before the modification, ( and the have doc. to prove that as well, no response ) 3.They are going to put a huge defecit on us for a tax burden that will starve us in the future! ( so they will tax the stolen money again as XXXX on out tax liability ) 4.They are playing games with me with the relocation money. I dont know what is truth or not. 
5.I asked for the max amount of {$10000.00}, which is a drop in the bucket to the amount that is not accounted for. This is the results : a. reps from XXXX say that I will get nothing. 
b. another rep. says she will ask her supervisor and call me back c. a rep from XXXX calls and offers XXXX to move in 2 weeks ... .... I responded impossible to move in a shot notice and too little money. 
d. rep from XXXX calls and offers XXXX to move in same time frame e. several people are showing up at my home pretending to be people that can help me to get XXXX and want to come inside to talk to me. I refuse to let anyone in. 
f. I receieve a letter from XXXX XXXX XXXX XXXX on my door, and call Ocwen. They deny any involvement and pretend not to be part of XXXX and hint that it may be a scam to get money. 
g. XXXX XXXX ( XXXX ) calls, very rudly and leaves a demanding message to return a call. 
When I call she speaks cdown to me as if I 'm trash and says she is offering XXXX to move by XXXX of XXXX. I let her know I 'm moving all by myself and with a car. My spouse is XXXX, a veteran, and XXXX. I have to do the move all by myself and in a car, continue to work part-time, and asked for more money and more time. 
h. received an eviction notice to move in 3 days from XXXX representing Ocwen and the bank. 
i.XXXX called and said there is no offer of money .... 

HOW CAN THIS HAPPEN IN AMERICA!. YOUR HOUSE CAN BE STOLEN, FORCOLSED BY A BANK NOT INVOLVED IN YOUR LOAN, HOMEWNERS NOT GET CREDIT FOR PAYMENTS EVEN AFTER SHOWING PROOF, FORCED TO MOVE ON A SHORT NOTICE, TEASED OR LIED OR PLAYED WITH RELOCATION MONEY THAT MAY OR MAYNOT EVEN BE GIVEN! I DONT KNOW WHAT TO DO OR WHO TO BELIEVE, AND I 'M HAVING HORRIBLE THOUGHTS ABOUT THIS PROCESS. I NEED HELP WITH NOT BEING BURDENED BY TAX LIABILITIES, XXXX XXXX XXXX, AND HELP TO GET MONEY THAT I NEVER GOT CREDIT FOR.
I filed for Chapter XXXX bankruptcy on XX/XX/XXXX. On XX/XX/XXXX I got an email stating that Argon was going to deduct a payment from my bank account. I IMMEDIATELY replied letting them know I had filed bankruptcy. They responded asking for the specifics at XXXX on XX/XX/XXXX and I sent the requested information on XX/XX/XXXX at XXXX. They still debited my account on XX/XX/XXXX. I let them know that and they promised a refund and said it would be processed " within 24 hours ''. It is now over 2 weeks later and I still have no refund.
The documentation the company sent to verify the debt was not acceptable ; and did not validate the debt as being mine. The documentation did not include any signature but instead my name was typed on the documentation.
On XX/XX/XXXX at about XXXX, I accessed my XXXX   account to check balance of my XXXX XXXX. The account said " Fraud Suspended '' and could not access the transaction history. I called the XXXX number and was told that a charge attempt was made from 'XXXX ' for {$8.00} so they refused the charge and shut down the card. I am very careful not to give anyone my card -- use cash for gas and other purchases ( I am a paraplegic- use a manual wheelchair, so dont get out of the car for some purchases ). If this was a hack against XXXX, XXXX, or Comerica, THIS IS THE SECOND INSTANCE IN ONE YEAR -- THE LAST OCCURRING IN XX/XX/XXXX. If this is Comerica trying to freeze seniors ' accounts to obtain interest for a few days on millions of dollars -- YOU SHOULD BE INVESTIGATING AND GETTING SOMEONE ELSE TO MANAGE OUR ACCOUNTS. I am following up with my legislators. TWICE IN ONE YEAR??????

Thank you for your great work -- I do know you help and have helped many people in our country.
My husband and I have a Bank of America Visa account My Name is XXXX XXXX XXXX XXXX XXXX XXXX has a XXXX XXXX Card and they confuse our XXXX names. Three years ago they had her information linked to our account. At that time I took this to the local branch to have it resolved. Last week I received a e-mail addressed to XXXX XXXX XXXX in regard to the branch visit on XXXX XXXX, 2015, I called to Bank of America fraud division and they stated she gave them our e-mail address., I 'm sorry but our e-mail is very different and not many people know the name. When I tried to take the survey to correct this and tell them that I did not visit the branch they gave me a pass word assume to XXXX XXXX XXXX account. We do not know if they have given our information out to this lady. How can a person be assured that this is not the case
Customer service is very very poor. They don't want to help and solve the problems of the customers. I always pay my bills online through XXXX XXXX  and upto now I never had any problems with any parties. But I have problems with XXXX XXXX XXXX only. 

I always pay ontime but this XXXX XXXX XXXX charges me late fee and interest stating that they received the payment late, may be they posted it late. Why I have to pay the above charges when I am not at fault. Please see to that, it never happens again to anybody.
On XX/XX/XXXX I contacted XXXX XXXX XXXX after seeing a false debt on my credit report. I spoke with Manager XXXX XXXX who requested proof of coverage for the period in question XX/XX/XXXX - XX/XX/XXXX. I stated to XXXX that I can fax the proof immediately but I need to know when this false debt will be removed from my credit reports. XXXX explained to me that XXXX XXXX XXXX would not be able to provide a date of removal.
This information is incorrect, because a deferment was filed to cover months. And no payments were due. So the negative reporting should be positive You 've paid off 100 % of your student loan amount. 
Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XXXX XXXX, XXXX ( 11 yrs, 4 mos ) Term 120 months Payment History Youve made 44 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times 30/60/90 days late 0/2/12 Closed XXXX XXXX, XXXX
I sent 2 certified letters to XXXX, Equifax, XXXX  and XXXX asking them to VALIDATED this account ( not a verification ) and send a copy of original documents that has my Wet Seal Signature on it with Certified Copies of the TRUE BILL ( not a statement ) I was informed that this did not apply to them and they didn't have to VALIDATED or do anything amd they closed the case without sending the Proof that the account was in fact VALIDATED etc. I requested information and it was disputed and refused NOW I DEMAND THAT THIS ACCOUNT BE VALIDATED WITH EVERTHING ELSE I HAVE STATED ABOVE and i be sent proof ASAP or in 15 days as allowed this needs to ne sent ny email XXXX and by mail XXXX XXXX XXXX XXXX XXXX XXXX California XXXX demand they send proof to me ASAP by mail and email of te results or I demand the account be removed ASAP
My Equifax credit report has an account that I have no knowledge of, as well as a collection account for the above account. I have disputed this account for two years and have gotten no where with the creditors, collection agency, and the credit bureaus. The account in question is XXXX XXXX XXXX, and the collection agency is XXXX XXXX. Both companies are reporting an address that is not my residence, in fact it is about XXXX miles away. The address that is reported is XXXX XXXX XXXX XXXX XXXX, TX XXXX. I want any and all accounts, connected with this address deleted. I do not reside there, nor do I receive mail there. I have asked for validation with my signature on several occasions, and had never received validation for these accounts. Please have these accounts removed immediately.
A representative from Central Portfolio Control contacted XXXX relatives regarding an account in my name. 1. They contacted my daugther by phone, shared information with her about the account, and attempted to set up payment arrangements. 2. They also contacted my son-in-law about the same debt. During the phone call to my daughter 's husband, the representative shared information about the debt such as the asserted balance owed.
While trying to take out a loan to finish my last semester of school I was denied because of a fraudulent account opened in my name. I've sent multiple letters to this agency about this not being my account. I even contacted the apartment complex and they couldnt find an account that was associated with my name. I've completed and sent a fraud affidavit via certified mail. I see they received it, but nothing has changed. I also faxed and sent a police report and provide proof of residence. My complaint is against PRO COLLECT. My information was used to obtain an apartment, 3 credit cards with CLs of {$300.00}, {$5000.00}, and {$5000.00}, cable service, and a cell phone. I am a victim of identity theft and I placed a fraud lock with ALL CBs. I've completed the proper steps. Notified the creditors and also obtained a police report.
The caller from iq data international said " I 'm putting your account in delinquents because I was unwilling to pay it '' then she said goodbye and hung up! while on the phone I was told by the agent and manager that there is a minimum to set up an account for a payment arrangement, but was NEVER told the minimum amount, I would say I can pay {$20.00} and they would follow it up with " it 's not good enough '' ... I would follow up with then how much is? and they would not give me a percentage or amount. Idk what they were trying to do but they never gave me a straight answer to any of my questions, they refused to take my payment over the phone and told me to send it in the mail this was after they said they accept XXXX they did n't accept {$20.00} I would ask how much is accepted they would say " not {$20.00} '' I was never told a percentage or amount. It was like bickering without coming to a conclusion. Now I do n't want to send in the check because she told me she 's putting it as delinquent, I do n't know what I 'm supposed to do I 'm confused.
NationStar Mortgage acting as the Servicer of this mortgage has failed to meet all of its requirements under XXXX and is attempting to illegally foreclosing on our personal home by selling it at auction on XXXX XXXX, 2015 with the assistance of a Foreclosure Trustee named XXXX. The direct violation of XXXX law is based on NationStar Mortgage improperly and unfairly reviewing our loan modification request for relief which was never processed by them because they lost the file and all documents. I submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times at no avail. In addition, NationStar Mortgage has repeatedly denied us help several times and we never get a single person or SPOC to answer our questions honestly or directly. They always have several of their reps pass off our file amongst each other just to create delays. They have mishandled our documents and file several times and failed to properly communicate with us throughout the process. We intended to keep our home and we meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take our home. NationStar Mortgage Mortgage illegally commenced and is conducting a foreclosure while reviewing attempting to find workout relief options for us. They simply wish to foreclose and kick us out onto the streets. They have clearly violated XXXX specifically under the " dual tracking '' clause.. Now NationStar Mortgage instructed and allowed the Foreclosure Trustee named XXXX to illegally start foreclosure on my property. NationStar Mortgage. So there no valid or justifiable reason why NationStar should have denied our request or started foreclosure on our home. As a foreclosure avoidance option, we hired a RE Agent Named XXXX XXXX at XXXX XXXX to handle and start a short sale. We accepted an offer and now NationStar refuses to accept the offer that she submitted in early XXXX of 2015 and said they will continue with the foreclosure sale. The sale is still set and they wont stop it to process the short sale which is wrong and illegal.
BMW Financial Services is using multiple debt collection services and continues to collect on an invoice that has already been paid. 
In 2016, the used XXXX from GA and now they switched to XXXX. There have been other collection services involved as well, however, I do not have access to the paper any more. 

In all these cases, we provided the sufficient evidence that the payment has been made. BMW seems to ignore that information and is switching to another debt collection agency.
My loans were transferred from  XXXX   XXXX  to Navient. When I took out my loans originally, the only option I could get was variable interest rates. I have almo st 70k  in loans that were given to Navient. My monthly payments are clos e to 1k, bu t I am actually LOSING ground on these loans because they have jacked up my interest rates betwe en 8.5-11.5 %.  They say these are based on credit scores -- mine is over  XXXX , and I have always made my payments. I have tried to contact their advocate about my interest rates multiple times and have never gotten a response. I even had a conversation about my loans during which their reps told me that I have " no options '' because I took out a " Smart Option Student Loan '' with  XXXX   XXXX .  <P/> I WANT to pay off my loans, I do n't want to default to get a settlement and ruin my credit. I am a   XXXX   XXXX   XXXX   and make les s than 40k per ye ar, I need Navient to lower my interest so I can start actually making headway on my loans.