WillisBack/dataset-financial-user-claim huggingface dataset:
The servicing of my loan as of XXXX XXXX has been a nightmare. There was a change of servicer and there was some sort of fall out or complication with new servicer as the lender, Argon, resumed the servicing of the loan on XXXX. On XXXX XXXX my payment was not processed and the funds were available on the account, which is why I contacted lender/servicer via phone call and email. The payment was FINALLY processed on XXXX and I was assured the XXXX payment will be automatically drafted and I had nothing to worry about. When checking my balances on XXXX XXXX I see there is two payments worth of this loan. I again called and emailed and finally and when calling was being transferred to different places to which ultimately led to me leaving a voicemail. FINALLY someone from Argon, at least that is what the person stated to be representing, called me to ask if she can process my payment. This person wanted the XXXX, XXXX and XXXX payment. I corrected this called and stated after chasing them around the XXXX payment was finally processed on XXXX. I stated the XXXX and XXXX payment was available and she could process the payment of XXXX XXXX and XXXX XXXX. I also asked if they had my current contact information, to which she stated they did as that is how she was able to call me. I authorized the payment of XXXX XXXX of {$230.00} and the payment of XXXX XXXX of {$230.00}, totaling to {$470.00}. I was explained there was a interest due of {$28.00} which would also be billed and that would bring me to a total of {$490.00}. I questions the interest being mentioned considering I always paid extra througout the loan and was told a detailed breakdown would be sent to me. I authorized the {$490.00} to be processed and was told the loan was now paid in full and I would be receiving correspondence to that effect as well. On XXXX XXXX, XXXX Argo processed an electronic check of {$230.00}, which I did NOT authorize. I paid the month of XXXX XXXX to Argon already and they proceeded to process another payment without my consent. I immediately contacted Argon and was explained they were going through a system transition and was asked to email my bank statements reflecting the double charge, to which I did immediately. We are now on XXXX XXXX, XXXX and I am being informed " their system is still down ''. No one can provide me with an update on my refund. I was responsible for this loan and paid in a timely manner. I am being punished for that because of their changes and unauthorized processed payment. That extra payment they took out of my account was for my insurance, and my account was hit for my insurance and I since the banking institution did not payout my insurance I am now facing my vehicle, insurance, and life insurance policy being cancelled. I need the money that was removed from my account to be returned to my account asap. Not only is my banking institution charging me {$35.00} for the returned item so is my insurance carrier. I am currently in a negative totaling to {$70.00} and facing a cancellation of my insurance policy thanks to Argon processing an unauthorized payment.
First, I want to thank CapitalOne for resolving the previous issue with the credit line semi-efficiently, it 's just unfortunate do n't provide for such resolutions without involving the CFPB ( ca n't just email CapOne ) ... Unfortunately now have another issue but this time a slightly bigger issue. We tried to file a dispute online and the system was down, it was down for a week or so as we continued to try to no avail. We called and after several questions, were told to call back in a couple hours because the system was down ( this compared to, 'can we call you back once our systems are back up and running? ). I think companies are confused in thinking that consumers wake up seeking things to do so they are happy to spend half a day trying to resolve something that should take a simple email. I deal with things at odd hours and during those hours, really do n't care to discuss the issues on the phone ... 

So now via this complaint, CapOne needs to process the dispute we have been trying to submit. It 's for the purchase XXXX XXXX to XXXX for {$120.00}. Yes, we tried resolving this through XXXX and also through XXXX. Please also understand that we use our credit card with XXXX versus simply drafting from our account precisely for this protection that it affords ( we do n't need to buy using credit ). For the timeline and why taken so long which is part of the issue. Bought an item that shipped from XXXX so took a month to get to us so that takes us to midXXXX. Immediately installed it so within 24 hours of receiving it notified the seller that there appeared to be a problem ( it was n't completely dead, just seemingly not working right ). After that communication started I think in hindsight the seller began intentionally delaying the communications. Most every communication I had to follow back up and were given excuses like he was in the hospital, he had to wait several days for the XXXX factory to response, then XXXX XXXX XXXX ... which means another month ticked by and in the end, which by this time the unit completely failed, but the seller stated he did n't believe there was a problem and offered me {$20.00} ( {$20.00} for a {$130.00} unit that at that point was dead, obviously not a equitable resolution ). So at that point contacted XXXX who essentially said too much time had gone by even though they could clearly see the communications I detailed above ( the communications were a part of their messaging system ). So then contacted XXXX and also no resolution. All of that took a few weeks and then the issues trying to get this submitted with CapOne and here we are. Here I am also with a new heater I purchased which CapOne can find that charge a few weeks ago ( another XXXX for around {$140.00} ). 

So that is basically all of the info but if CapOne needs more, please email me as they did with the other issue. Of course they did n't respond after I responded and continued to try to call but clearly they have the ability to email which to me is more efficient.
RECURRING INFORMATION, Proof that XXXX XXXX XXXX violated and reneged on an agreed Payment Plan. Attached you will find a letter sent to XXXX XXXX, CEO, XXXX XXXX XXXX Corporate Office on XX/XX/2017. The letter clearly spells out that the agreed upon Payment Plan is for {$81.00} to be withdrawn from my checking account each month. I now provide proof, back-up and support that {$81.00} was withdrawn from my checking account with XXXX Bank on XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017. The bank statements show and explains the withdrawals. Following the last withdrawal of XX/XX/2017 the withdrawals stopped without notice or written confirmation to me. The account was them placed on credit bureaus ( XXXX, XXXX and Equifax ) that I had defaulted and then charged off. XXXX, Equifax and XXXX did not investigate and discarded my complaint to the benefit of XXXX XXXX XXXX becoming co-defendants. I have now received a collection notice from the XXXX XXXX XXXX XXXX XXXX : XXXX. It is my belief that XXXX XXXX will be somewhat displeased that individuals within their organization would purposeless damage and harm the financial well being of an unsuspecting consumer. I believe that my experience with the credit bureaus will get national attention and rightfully so!
I have disputed this in the past with this company to no avail because they do very little to investigate disputes. A medical office closed without sending me a bill and then put it into collections. I had no prior knowledge of the bill of only {$55.00}. As soon as I was contacted, I paid the bill in full. I am now trying to get a mortgage loan and being penalized due to this account. I do not have a single negative mark on my account other than this and I want it REMOVED. My mortgage company tells me it looks as though the negative collection has recently been put onto my credit report. Again this was a medical bill that is not even supposed to affect credit scores as of the new rules imposed.
All three major credit bureaus ' have illegally hoarded, conveyed my personal information for profit for their business. These bureaus ' have portrayed to be a government entity but are mere business private corporations, like walmart and other businesses. Without this consumers expressed or written consent pursuant the 1974 Privacy Act, all 3 bureaus ' violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways and practices. According to the Fair Debt Collections Practices Act, all bureaus ' maliciously and collectively shared this consumers personal information to make trillions of dollars by selling it ( information ) to various debt collectors, employers, financial institutions, and many others. Just to name a ew. The Federal Trade Commission is to demand on my ( the consumers ) behalf that all 3 credit bureaus ' remove all of this consumers social security number, date of birth, financial accounts, credit/debit card numbers/ address old and new/ health /medical history, and all sensitive information, collected on this consumer. all 3 bureaus ae now in question for reporting fraudulent information to disgrace the consumer, blocking the pursuit of happiness. Bill of right violation. Consumer wishes for damages of XXXX XXXX dollars ( preferably in Gold ) from each bureau for their treasonous deeds and all will be forgiven. Consumer would like to also thank the CFPB for protecting this consumers personal, family and household.
This morning I went to Chase on XXXX XXXX XXXX, XXXX, Texas, XXXX, to make a credit card payment. The amount of my payment was {$30.00}. I gave the teller the credit card payment slip and {$30.00} cash. The teller refused to process my credit card payment because I did not present an ID. I told her that I presented my ID when I opened the account ; it is on file with the bank. I also stated that I am not withdrawing money, I am only making a credit card payment. 

The notion that you have to present ID to make a {$30.00} credit card payment with cash is preposterous. Chase is making up rules and that are beyond the scope of any banking regulations. 

This Chase rule is an overreaction to money laundering fears. They even require an ID to process a payment of XXXX cent! By making a blanket rule like this with no proportion, Chase is placing an undue burden on their customers by forcing them to always show an ID even when they are not withdrawing any money! Please force Chase to amend this rule so an ID is not required when making small cash payments. Thank you,
CHOICE RECOVERY INC IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
This collection action apparently occurred because of overlooking changes to a computer program. I had a long standing account for auto insurance with XXXX, but decided to cancel it last XXXX. I negotiated with another company for a lower rate. However, because the notification to XXXX was not made until a few days before the policy was due, I had to sign several papers - which were duly transacted upon - including an order to cancel the upcoming payment. Somehow, these transactions probably were never entered into the XXXX computers. As a result, it automatically sent the account to a debt collection company called XXXX. My complaint is with them, because the problem with the XXXX situation has been resolved.=. I am incensed because the first that I knew that the XXXX situation had even occurred was a telephone call from someone at XXXX who called me on XX/XX/XXXX at XXXX. The woman asked for XXXX XXXX ; although that Is my husband 's name, I have never used it. I use the name XXXX XXXX. I have absolutely no accounts in the name of XXXX XXXX. My account at XXXX was under the name of XXXX XXXX. Using the name XXXX XXXX was an immediate red alert for me and I refused to " confirm '' who I was - or give these my people my address. I have since received a debt collection letter and 4 other telephone calls. I maintain that this company probably went on a fishing expedition to try to somehow guarantee to themselves that they had a lock on the account. I consider this a fraud on their part and have told them that. The fact that even the written document uses the name XXXX XXXX suggests that this company is using the most underhanded techniques - as well as abusive tactics with phone calls - and needs strong oversight from consumer protection laws. Incidentally, the amount supposedly due was XXXX..
Little less than a year ago we started a credit card with American Express. We were told by them that items purchased at a grocery store would be given a 6 % cash back credit. We live within XXXX mile of XXXX XXXX and buy almost all our groceries at this store. After several months we noticed that we only received a 1 % credit instead of 6 %. My wife, XXXX XXXX, and I, XXXX XXXX ( both of us have this credit card ) called them about two months ago to see why we were n't getting the promised credit. We were told that it was a mistake and were given a partial credit for previous charges for the extra 5 %. I recently noticed that for the last two months we were again only being paid the 1 %. The reason, they said American Express changed their policy. Grocery stores that have gas stations no longer are eligible for the 6 % credit. Since XXXX XXXX has gas stations at their stores, that makes the grocery purchases not eligible for the American Express 6 % credit. I explained to them that our local grocery store at XXXX does not have a gas station. They responded that since some of the XXXX XXXX stores do have gas stations that that is how they code all XXXX XXXX stores. I complained that certainly this was n't fair but they refused to change our account to get the full 6 % rebate. Appreciate you help on this unfair matter. Thank you XXXX and XXXX XXXX
In XX/XX/2018 I found out that I was a victim of Identity theft. The police were contacted and a report filed, as well as the FTC and the Credit Bureaus. To date Equifax has not removed any of the accounts that have been reported as a result of the Identity theft. I have sent three letters providing them with all of the information request in regards to the Identity theft and they still have not removed the fraudulent information. I am in the price of seeking legal action against the company.
On XXXX XXXX i applied for credit card with XXXX XXXX. After 1 month of using the credit credit card, the suspended my account for any reasons. On XXXX XXXX my balance was XXXX dollars that i already paid. Finally XXXX XXXX Sent me the statement that included XXXX dollars for member fees. But i just got the credit lees than 1 month. My big surprise is that charged me for the late fees for the membership fees and they sent to the credit report and they drop my credit scores down. The amount was XXXX dollars. I called XXXX XXXX and let them know and thy told to pay the member fees and claims it back. Plse help me to get my money back and fix my credit for me.
I have submitted documents to Chase 3times to refinance my loan that has been with them over 13 years with no late payments. The first refinance they charged me fees and then denied me for having a Jr lien in an amount of less than 4k .. the second time I sent all my documents then signed the documents they then said the interest rate needed to be higher. They would keep running my credit score each time and then say the documents would be lost or delayed due to no fault of my own. And then they said they needed to run 4 time said I had reached the maximum review and needed to wait 12,  months. They have run down my score and ca n't refinance anywhere else and after all this I am still stuck with a 8.75..interest rate which I am sure they are not so anxious to change. The follow up and follow through, communication is horrible. I have sent communication to them along with complaints and have nothing from them.
We had a hurricane in 2017 and our mortgage company agreed to defer Two months payments to the end of our loan. They are now requesting the two months mortgage! This was not the agreement! The two months was supposed to be added to the end of our loan! No supervisor will call me back
There are XXXX different alias and XXXX social security numbers listed in my credit report that are not mine. 
I only use XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX The following social 's reported are not mine : XXXX, XXXX, XXXX
I requested and got my federally required free annual credit report from EQUIFAX On the report there are comment sections associated with the accounts. XXXX codes appear -- XXXX and XXXX in several of these sections throughout the report I have talked to 4 customer service reps at EQUIFAX and they have not been able to tell me what the codes mean. How can I find out what they mean? 
It is impossible to evaluate the report 's accuracy without that information. 
Customer service was totally unhelpful.
I started working with United Mortgage Corp out of south florida. The first phone call was great, they really are good at pulling you in! I spoke with the manager for over an hour and then i was passed off to XXXX XXXX. He thought he would be able to get my a conventional loan and after put the the software stated i would need to go FHA. I was original told my rate would be no more than 4.5 % max. He told me the fed came out and rates went up ( this was XX/XX/XXXX ) ( rates haven risen yet, but most likely they will later today XX/XX/XXXX ). Anyways my rate was now 4.875 % for conventional but since i couldnt do that he locked me in at the same rate for FHA!! i was skeptical, i called another firm and he told me that he could get my FHA at 4.25 % about a {$50.00} a month in payment based on my principle. His lending fees were also over XXXX the new guy was XXXX. I feel that if i wasnt willing to take a risk to try the new lender ( i was already under contract ) i would have been stuck paying a much higher rate than i am now. I know it is illegal for mortgage lenders to make money off the spread but why was their rate over .5 % more? Someone padding pockets at UMC? Please use UMC in XXXX XXXX XXXX if you never want to be able to reach your loan originator, and want to pay a rate way to high! Oh yeah XXXX XXXX also lost another mortgage of a client that was working with the same real estate broker as mine and he has the nerve to ask my realtor why he is losing business. XXXX ITS BECAUSE PEOPLE ARE NOT IDIOTS AND ARENT GOING TO OVER PAY YOUR RIDICULOUS COMPANY
Hello, First of all, thank you in advance for your assistance and help.

Purchased a used SUV from XXXX XXXX on XX/XX/XXXX with a cash down payment of {$10000.00} and a loan from the Bank for {$29000.00} which included an extended warranty $ 5,500+ ). 

After a careful reconsideration, we decided to cancel the extended warranty so visited the dealership on XX/XX/XXXX and told them to cancel the extended warranty and they agreed and assured me that they will cancel the warranty and refund the Bank. 

Almost 5 months later, on XX/XX/XXXX, while checking the balances online for the loan, I realized that there has not been a deduction of the $ amount for the cancelled extended warranty. So I called the Bank and explained my concerns and asked them if they had received any information regarding this matter from the dealership. The Bank had replied that they have never been informed as well as refunded and told me because the dealership had never refunded the money, I have been paying additional interest for the monies I did not have to. 

Tried several times for all day for two days to contact the dealership including the gentleman who had helped me with the loan and the sales manager without a luck.

This has been one of the most frustrating moments and experiences in my life and feel like I have been cheated. 

Please review my case and assist me in resolving this case. 

Thank you.
SEVERAL ISSUES JANE FERRELL AND ASSOCIATES ... DID NOT GIVE ME FDCPA NOR MINI MIRANDA WHEN I CALLED.. THEY THREATNED TO TAKE ME TO COURT WHEN THEY HAVE NO PLANS TO.. THEY CAN NOT DO THAT.. AND THEY ARE ALWAYS SUPPOSED TO READ ME MINI MIRANDA AS WELL AS FDCPA.. THEY DID NOT TELL ME I COULD DISPUTE IT AS WELL.. I WAS GIVEN NO OPTIONS.. THEY ALSO DID NOT TRY TO TAKE TH ELAST PAYMENT THEY ARE CLAIMING THEY DID .... I DISPUTED IT AND THEY EVEN CAME BACK AND WERE RUDE AND DISRESPECTFUL IN THE RESPONSE FROM XXXX ....
I checked my credit score and there was a debt listed that I owe Bank of America over {$3000.00}. I sent a debt validation letter requesting proof that I owe this unsecured debt. They failed to respond in the allotted time so I would like this debt removed from my account and from the major credit bureaus ( XXXX, XXXX, XXXX )
I filed a dispute with Equifax and XXXX on XX/XX/XXXX, to show that XXXX has deleted certain accounts, I also provided the letter to prove that those items was deleted off my report. I have not heard anything from XXXX at all and I have disputed more items beginning in XX/XX/XXXXof this year. Equifax have n't responded either. the items are still reporting on my report. i have asked both agencies to give me there burden of proof of the info and people who verified the account. neither has giving me that info. all of my accounts are frozen until this matter is resolved. please delete the items off my acct XXXX has already done so. if they could n't verify, neither can you.
There were withdrawals being made from my bank account at Chase Bank, the origin being XXXX XXXX bank. This was an automatic withdrawal that had not been approved by me. I did not become aware until more than 6 months later when I checked my statements. I had put my trust in this bank, that they would notify me of any unusual activity, since they told me they would when I opened up my account with them. which they failed to do. Upon contacting Chase, they told me it was from a dealership. They made XXXX different withdrawals, for an amount {$800.00} every month. I have contacted Chase on several occasions to inquire about the exact dealership as well as the name the person who is making all these withdrawals, and they have refused to give me any information except to tell me that they are only returning 3 months worth of withdrawals. I also let them know about another withdrawal that had been made for almost {$500.00} from XXXX, which I do n't have an account with either. I have pleaded with them for help, and even let them know I would be contacting other mediums if they refused to help. I have proof of the vehicle that I owe nothing to any dealership under my name. I have also contacted XXXX to make sure there are no accounts currently in my name to prove I did not pay those. I also can prove that my residence is not the one that my account paid for. I contacted XXXX and was told that Chase would be the only one that could reverse that charge. I am hoping that there is something that you can do for me, because these funds are mine, and I have NOT authorized for anyone other than myself to use my account for any purposes.
I have 2 cards with XXXX XXXX XXXX and Stein Mart. The XXXX card limit was a XXXX and the Steinmart Credit card limit was XXXX. I never missed a payment nor was I late. I have since paid the cards off in full. Synchrony Financial lowered both of my card limits to XXXX. In addition, I did not give them permission to check my credit whether its a soft pull or hardpull. I received a letter 2 weeks later notifying me of the credit decrease which XXXX XXXX  has pull my credit without my knowledge. This is unacceptable when someone is doing their best and making the payments on time. This is deceitful to the customer