WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, I discover that there were 2 transaction on my checking account " Chase Bank '' ATM withdrawal for {$200.00} each. Each transaction only separated by just several minutes apart. The next day I called the bank and reported it and the bank refunded me the amount. The following week someone did a quick pay using my account with a name that I do not know for {$400.00} and the bank also did returned the funds. Before this transaction made, someone already requested an new ATM without my approval.The bank charged me {$5.00} which also they refunded. I requested to closed the account but bank refused to closed it because of ongoing investigation according to them. I waited for them to finish they 're investigation and I just found out that they are charging me back the 2 separated {$200.00} transaction worth of {$400.00} without receiving a courtesy call or anything to informed me. I went to the bank and asked what is going on. The banker told me to call the executive office XXXX to find out. The person I spoke with told me that the decision was already made by the bank to reversed what they refunded me because my ATM has a chip and can not be hacked. I explain my side but with no avail, they said they already made the decision based with the chip. I can not understand why I suffer for the bank that they can not protect my account. I leave here in XXXX, California and the transaction was made in XXXX Texas according to the bank customer service I spoke with from the Executive office. I told him it 's absolutely not me and I have never been in XXXX Texas. I am sure this is not only happened to me, I am sure there are lots of consumer suffering this particular problems. Please call me at XXXX or email me at XXXX
On XX/XX/XXXX I switch from XXXX to XXXX XXXX for a lower rate ... my insurance premium ended on XX/XX/XXXX ... and I did not have a lapse in coverage now XXXX   has sent a collection account to the 3 credit bureaus without explanation ... I feel as if I should not be charged {$270.00} for trying to find a lower premium especially if XXXX XXXX has more benefits ... they are over charging me as if I had a lapse in coverage ... I want XXXX to remove this from my credit reports
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
I attended XXXX College XXXX XXXX campus from XX/XX/XXXX-XX/XX/XXXX. The school had me take out a XXXX Loan. When the campus closed i was still paying on my XXXX loan, when XXXX closed down they changed to another company that i cant remember the name of and then changed again to XXXX XXXX XXXX ( XXXX ). My XXXX Loan was approximately {$4900.00}. Currently through XXXX i owe {$4300.00}. I tried explaining to XXXX that a school FORCED me take out this loan and i was unable to make the minimum payment and also me being in school and the loan company told me since it was a private loan they dont do deferments so i was going to have to find a way to pay for the loan. I currently get 3-4 calls per day from this company. Being someone who was fresh out of highschool i wasnt really given a rundown of why i had to pull out this loan and not knowing any better to ask i just signed it.
I mutually terminated my cable and internet contract with XXXX because of a job move from XXXX to XXXX XXXX XXXX XXXX where they have no coverage. Consequently, XXXX sent me a prepaid XXXX mailing box for me to return their equipment 's with instructions to drop it off at any XXXX store. Which I did and subsequently received a credit from them. However, I recently found out from my bank that there is a collection notice on my credit report from XXXX for un- returned equipment and as a result my mortgage application was turned down. After several phone calls to XXXX XXXX of their staff was able to locate the returned equipment but unfortunately for me the damage has already been done to my credit report just because XXXX failed to do their home work.
I am a victim of identity theft. The following inquiries are unauthorized and fraudulent : XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX
I tried to get a loan with this company XXXX XXXX. They approved me for {$2000.00}. After approval they contacted me and told me that there were going to deposit {$800.00} into my account as a versification process that I would then have to withdraw and send back to them. This sounded highly irregular so I declined. They then proceeded to tell me that it was too late and that if I did not return the money to them after the 2hr time period it would take to transfer the {$800.00} to my account that they would contact the local police and have me arrested. They also said they would contact the SSA to get the money from my taxes. I told them to cancel everything. I dont want the loan. They refused to cancel the loan process. This happened today XX/XX/18 between XXXX.
I filed bankruptcy and it was discharged in XXXX 2015. IC System Inc is still showing as an open collection account on my credit report with no balance or account number on it. Remarks are Bankruptcy chapter XXXX, bankruptcy discharged.
This is a formal complaint against XXXX XXXX XXXX located in XXXX, TN. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Regulatory Case : XXXX Propose Resolution date XX/XX/17 I have called XXXX XXXX XXXX and spoke to XXXX XXXX who requested I sent documents. I sent the documents and he said, I have a new point of contact, XXXX XXXX XXXX who refused to speak or give me status on modification. He said the sale is moving forward and nothing can stop it. He hang up the phone when I insisted I want to speak with supervisor. He said no once else will tell me anything more than selling the home so, I should not try. I insisted, but hang up the phone. 

I need Bayview to stop the foreclosure and continue with loan modification with documents I sent to them. It is not acceptable to foreclose while modification is not completed. I am not even given a chance to know how much money I owe. XXXX XXXX said nothing can stop the sale. 

CFPB, please escalate this case, and accept nothing from stopping the sale to continue with modification. Bayview is lying that they are working on the case. Their work out is to sell the house as confirmed by XXXX. The resolution date of XX/XX/17 is passed the sale date. They would return a resolution that the home is sold. 

I do not want this, I want a modification to continue.
I have been receiving calls from a collection agency while at work and they have kept me on the phone for long periods of time and demand that I pay them immediately. The agency has reported that they are charging me interest and increasing the amount they demand for. I received a call from them last year in XXXX and they were giving me false information and accusing me of not making payments which I had proof that I did from my bank statements. I am still receiving calls and they keep demanding higher and higher amounts every time they call.
I, XXXX XXXX, have been trying to Modify my XXXX mortgage Thru Chase for the past XXXX years. They take a long time and we keep providing all the information that they require in a timely manner. I keep being told that its under review and then I am told to resubmit everything all over again because the file is too old again. I keep getting the run around and not the help I need. I have been having financial troubles XXXX and a severe reduction in work and pay. However, I feel that I can save our families home with a Modification.
In response to the news about various complaints made against Navient, I wanted to also share my experience with the student loan servicing company. I have student loans from my XXXX eductation that my mom pays for. They were set up to automatically withdraw from her account and had been since I graduated nearly ten years ago. I do n't pay much attention to them because she pays them but they are in my name and attached to my credit report. I started a XXXX in 2015. Upon enrolling Navient automatically stopped the auto-withdraws from my mother 's account without asking permission to do so or even so much as informing either one of us. While you are allowed to stop payments when you are enrolled in school, you still accrue interest. I never intended to stop it nor did my mother. After a few months, she noticed it was no longer withdrawing and thought maybe it had been paid off. She asked me about it several months later. Luckily I was still enrolled in school so the lack of payments did n't impact my credit, but neither of us were aware that they had stopped payments and thus neither of us would have been aware that we would need to set that up again once I finished. I went online to try to set up payments again and could not do it. ( I have attached a screenshot of the screen to set up auto-payments where it says my accounts are not eligible ) Therefore, my loans, which my mom had no issue continuing to pay, are sitting there accruing interest because they wo n't accept auto-payments while I am in school. I believe this was a deceptive practice designed to create more income for them.
name of collection company " convergence outsourcing '' keeps calling about a XXXX bill in which I had is {$250.00}. I did not make a {$250.00} bill with them
In XX/XX/XXXX my XXXXXXXX XXXX XXXX were not working do to repair work XXXX had to complete and they informed me it would be completed until sometime towards the middle of XX/XX/XXXX. I asked for credit as I had no service and they informed me credit would be applied once repair was completed so they would know total credit. Since I could not wait a month for service I switched to XXXX XXXX. In XX/XX/XXXX I received a bill from XXXX and I called them and they said there was nothing do credit was applied to my account. I have not received anything from them until this month when I received a collection notice from XXXX, XXXX XXXX XXXX for XXXX. They basically told me it was my word against XXXX.
In XXXX of XXXX  I received a call from diversified consultants, claiming I owed {$140.00}. I explained to them I just got back from XXXX and they said my balance was XXXX and I had returned all equipment. I also explained I wasnt in any contract with XXXX to owe any money, it was a no term agreement. In which I never provided my social security number to obtain any type of credit. The representative I spoke with at diversified said since my social security number was not provided it would not be reported to my credit report. She stated she would mark as a dispute, and provide me validation or verification of the debt before they proceeded any further. 
On XX/XX/2018, I received notice from XXXX that there was a collection for {$140.00} reported. I was highly upset! I have worked for the past 6 years to obtain a XXXX FICO, and was misinformed by this company. When I called back I spoke with a rep I inquired on how my social was obtained she stated it was in the contract with XXXX, which I knew was untrue, because XXXX verified it wasnt. I also explained that this was resolved directly with XXXX and that they needed to remove collection from my XXXX   bureau and not report anything to my credit bureaus going further, they refused stating they cant remove anything.
I called customer service of my AT & T Universal Card, administrated by Citibank, because of late charge that was assessed on my account. I mailed my full payment of about {$78.00} a week in advance but because, I suppose, of XX/XX/XXXX holiday, it was processed the next day after due date. I was assessed a {$25.00} late fee and an interest on that {$78.00} balance. 

Yesterday, when I called I was placed on hold for about an hour or so, and then I gave up. 

Today, all their listed numbers for my credit card has a broken automated system that eveybody has to go through before being connected to a human. I tried them several time and they all promptly switched me to Spanish, that I do n't understand, and they hanged up. When I tried the general number listed for Citibank cards services, they made me listen for about five minutes of their irritating advertisements and then transfered me to a subscription line for a service I did n't want from which I could not back out. 

This was not the first time I had this kind of problem with Citibank. 

Altogether, I wasted over an hour without having a chance tomdispute my problem with someone.
I have never lived in the states of XXXX, or XXXX or XXXX XXXX in XXXX XXXX.
I received a court XXXX for a XXXX bill from XXXX years ago from a debt collection agency. I called immediately to ask what it 's from and they would n't give any information and said I can pay XXXX of it to settle it but that the legal process would n't stop. I asked how much half would be and they said XXXX, but the amount of suit on the summons is listed as XXXX. I hung up and called again and was given different information. I was told I could make a payment of {$400.00} and monthly installments and it would halt the legal process. I do n't know what this debt is for or how much I actually owe and I 'm getting different information from different people. When I said I was unemployed they just sat on the phone in silence.
XXXX  and  XXXX   XXXX  sold off a portion of my student loans during my loan consolidation process. This has resulted in approximately  XXXX  third of my student debt being " non-consolidated '' and thus not eligible for th e Public Service Loan   Forgiveness ( PSLF ) p rogram until I was notified of the problem in  XXXX  once I moved to a different loan servicer.     I submitted the appropriate paperwork to consolidate all of my student debt together after I graduated in  XXXX . I spent many hours on the phone with  XXXX   XXXX  and had to repeatedly submit documents even though I had already complied with the consolidation and Income Based Repayment requests. During the consolidation process a third of my debt  XXXX  approximately {$80000.0 0} ) w as sold without my knowledge to  XXXX . As a result of the sale, my loans were mishandled and this amount was not consolidated with the rest of my debt.     The result was that approximately two thirds of my debt was properly consolidated and eligible for the PSLF program, while the remainder remained unconsolidated and ineligible. Because I was making a single payment as part of the IBR program, and was certifying my employment as part of the PSLF program for the eligible loans, I had no way of understanding that this unconsolidated debt was not eligible for forgiveness. I was never notified of this problem but instead was repeatedly reassured that I would ultimately be eligible for the PSLF program.     I learned about the problem once I moved to FedLoan and for the first time received a very clear understanding of the consolidation process and the PSLF elibigibility requirements through a series of customer service phone calls. Following these calls, I re-consolidated the remaining debt in  XXXX . I now have approximately {$110000.00} in debt that will be eligible for forgiveness in  XXXX  but should be eligible in  XXXX  along with the rest of my debt.     I am requesting to have this later-consolidated debt back-dated so that the payments made since  XXXX  become eligible for the PSLF. I would also like to have this complaint formally included in the records of  XXXX   XXXX ,  XXXX , Fed Loan, the Consumer Financial Protection Bureau, and the ongoing litigation around these matters.
I am two months past due - approx. {$140.00} I have no income at the moment and am not in stable housing. I explained this to several people who have called. I asked them to stop calling me. They increased their calls. I get up to 62 rapid, repeated calls within an hour each day. I have been able to block their numbers but it went on for more than a week. When I tried to call the number back they do not answer.
I took out a $ XXXX personal loan with TD Bank which was funded on XXXX/XXXX/2014. Since that time I 've made extra payments in excess of my minimum amount due each month which I wanted to be applied to Principal only and was told there was no systemic way to do that and I had to call each time a payment was made for them to apply it to principal. I 've done that several time throughout the life of this loan but there is no way for me to verify that it has been done correctly or if at all since they do not provide a monthly statement with the activity nor does their website have this information. There is absolutely NO transparency regarding my loan at all. I feel that I am overpaying and being unjustly penalized because they can not process my payments according to my direction.
I 'm not able to obtain a credit report ; I keep getting a message that says my information does n't match.
I keep getting calls from XXXX XXXX to collect a supposed old debt but am on XXXX and those funds can not be attached. Previously, in XX/XX/XXXX or so of last year, they attached {$320.00} with no warning or notice from a joint account that my then payee had for me. After she dealt with them, they returned the {$320.00} and said they would not do it again. However, I have moved and no longer have a payee, and they just started calling me again. I want this harassment to stop. Can you please help, at least simply just reply ; I do not want to be ignored. PLEASE reply
I wrote in all of my personal information, and once I got to the identification verification page which consisted of questions to confirm who I am, none of them applied to me, such as car loans, credit cards and home loans opened in my name - between XX/XX/XXXX-XX/XX/XXXX. After answering N/A to all that did n't apply, I was show a page stating I have to manually mail in a request form. Now I 'm concerned that someone has my identity and is opening and being approved for large purchases in my name. XX/XX/XXXX, I moved to XXXX XXXX, where my maintaince guy through my apartment complex stole my Social Security Card and Birth Cirtificate as well as my sisters, and fled the state ( ACCORDING TO THE LEASING OFFICE ) Back then I did n't know how to report such fraud. Please Help.
The lender together with my realtor completed an appraisal without communicating with me. This was scheduled on the day of my inspection and my wife who was on the site had no idea that the appraiser was there. I did sign consent authorizing Quicken to take a deposit and to begin the underwriting process, but I do feel mislead since the appraisal scheduling was done without consulting me at all. I wanted to wait until after the inspection since the deal was not totally finalized and now that I am not moving forward with the loan due to the results of the inspection, I am not being refunded my deposit. I 've asked for communication between my lender and my realtor, but Quicken Loans has refused to provide this stating that it is " proprietary. '' I would like to know how and why this was scheduled without my having any input into the scheduling.
I 've reached out to the debt collector for something that shows on my credit report, but they will not respond. I 've disputed the reporting of this debt to the credit bureaus twice, and they mark them as valid. However I still have never received something from this collector, nor have they responded to my request for more information.
Seneca Mortgage Servicing was servicing my loan through XXXX 2016. My designated insurance company, XXXX, sent an invoice to Seneca in early XXXX to renew my policy by the end of XXXX 2016. Seneca refused to pay XXXX and the policy was subsequently cancelled for non-payment. Seneca force placed an insurance policy without sending me the policy or any information about the company. Per Seneca 's web site, they have their own insurance company and might have force placed my insurance for their financial benefit. Per the XXXX for 2016, they paid twice what I was paying to XXXX - {$1100.00} which must include a walls-out policy which I am not required to have for a condo. I have been calling Seneca on and off for months without success.
The owner of XXXX XXXX XXXX XXXX offered a 12 month membership for the cost of 6 months if paid in full. I paid the amount on XXXX XXXX, 2015. The owner closed the business on XXXX XXXX, 2015. I disputed half the amount with my credit card company since I was only able to use the gym for less than 6 months, being that the owner was in breech of contract of the 12 month deal. I feel I was deceptively charged since owner knew he was closing gym in 6 months time as evidenced by the realty company filing an eviction suit against him for non-payment of rent, and settling with him on XXXX XXXX, 2015. My membership was cancelled and I was then sent to collections one week after the gym closed for triple the amount I disputed with my credit card, which is still being investigated. The owner has done the same thing to many other members of the XXXX XXXX gym, and XXXX other gyms he has abruptly closed in the past year. I 've also received immature, nasty emails, texts and messages on social media from the owner. My credit card company recently called me and informed me that the owner rebutted my dispute by saying he was still open for business and I cancelled my membership. I have to now prove that he is indeed out of business to my credit card company. I have several letters proving that XXXX XXXX XXXX XXXX is closed and has been since XXXX XXXX, 2015. Also, new memberships were sold to people after the settlement date with the realty company on XXXX XXXX, 2015, which is fraud since he knew he 'd be closing the gym on XXXX XXXX, 2015, permanently.