WillisBack/dataset-financial-user-claim huggingface dataset:
I have a paypal account and now they limited me for 180 days, time in which I can not withdraw money or close the account and after that time they are going to close my account and to withdraw the money I have to do it to an account in the US, I do not have an account in the US because I am a resident of another country. On the other hand, the company tells me that the problem is that they are reviewing my sales and I have never been sold by paypal. If they are going to close my account because they do not let me take out the money and that's it?
As of XX/XX/18 my available balance has not match my correct running balance. 

I attempted to make a payment with my debit card and was being advised my card was declined. Upon investigating I determined my current balance is missing {$50.00} and isnt reflecting accurately with my running balance. 

I contact my financial institution on XX/XX/18 to fix the matter. At that time a representative reversed fees that were caused as a result of their discrepancy. 

He advised me he would submit a ticket to the appropriate department to rectify the matter and to check back in 24 hours. 

I called back the next day and had a ride XXXX on the phone who wouldnt acknowledge what occurred on the call the day prior and hung up on me when I requested a manager. 

I waited a week and called back on XX/XX/18 when the XXXX discrepancy was still their ... and that time I spoke to XXXX at extension XXXX who claimed to be a manager. He advised me that a ticket was not submitted on XX/XX/18 but he would submit one now and again to follow up in 24 hours. 

I called back on XX/XX/18 to see what the results were and was advised I needed to be transferred to their dispute department. They transfer me to extension XXXX, I was on hold for XXXX minutes and then the call dropped I called back on XX/XX/18 and spoke to XXXX XXXX extension XXXX who claimed to be transferring me to a supervisor queue, I was on hold for 30 minutes and then a new XXXX XXXX exstension XXXX was on the line saying I wasnt transfer to a surpervisor and was just queued back in to the XXXX line ... XXXX said he needed to transfer me to the dispute department ... he transfer to extension XXXX again ... at this point I have now been on the phone for over an hour ( screenshots provided ) I was now connected with a rep XXXX who claimed not to have an extension but said his employee ID # was XXXX, I requested to speak to a manager and he hung up on me ... 

I called back and dialed XXXX for dispute department and was connected after 30 minutes of additional waiting to XXXX extension XXXX in the dispute department, she claimed that my issue was a customer service issue and not a dispute issue and tried to transfer me back to the original department that has been trying to transfer me to the dispute department ... I advised her that wasnt going to be acceptable and I wanted to speak to a manager now. After having me hold for several minutes she came back and found a manager for me to speak to, she was unable to provide his name but said his extension was XXXX and she would be transferring now, I was Place on hold again for 15-20 minutes and no one came to line ... at this point on XX/XX/18 I had already gave two hours of my life to trying to resolve the matter on these calls alone To this day my actual balance does not match my running balance which is short {$50.00} Ive been tying to resolve this since XX/XX/18 and today is XX/XX/18 ... I have been getting the run around and have yet to be able to speak to an actual manager or anyone who can provide any real assistance Please help me XXXX XXXX.
On XX/XX/XXXX, I paid a bill on my XXXX 's credit card early using my bank account. I also had autopay active from a different credit union account. Although XXXX 's autopay says that autopay will be adjusted not to exceed the statement balance, they nonetheless tried on XX/XX/XXXX to debit my credit union for the amount of the bill that I had already paid and owed nothing on. My credit union account did not ( nor did it need to ) have the funds needed to pay this non-owed amount, so I was charged both a {$27.00} fee by XXXX 's and three separate {$25.00} fees by my credit union. These fees were the fault of the XXXX  's credit card for billing me twice for the same bill. When I complained to XXXX 's on XX/XX/XXXX, they refunded my {$27.00} fee. It was only later that I discovered the {$75.00} in credit union fees XXXX 's had caused to be incurred, so I complained about these in another message dated XX/XX/XXXX. I was asked on XX/XX/XXXX to mail or fax them a copy of my credit union statement to request a refund. I did so. When I found no change had been made, I contacted them again on XX/XX/XXXX and asked for an update. They informed me that my request had been denied because they " do not refund overdraft fees '' ( although the fees in question were in fact return charges, not overdraft fees ). When I reminded XXXX 's that the fees were entirely their fault due to their mistaken billing of my account, they provided no assistance. The point of all this is that XXXX 's is at fault for billing my account mistakenly and causing fees to be charged to me and they will not make it right. Furthermore, if they were not going to help with this, they ought not to have requested that I waste time and postage mailing them a credit card statement that they were just going to throw away.
Nova financial, you are better off finding another lender. I started this horror story on XXXX XXXX, 2016. Put in an offer on a house out in XXXX, for glorified car loan ... ..after 4 long months of fighting the staff at Nova Financial in XXXX, AZ. and having my loan pushed back literally 5 times, on the day of the long awaited closing, XXXX the paperwork, title and deed, and told me in order to get things right was going to cost me some more money, after all ready costing me in time, extra costs, termite exterminator, a handy man and a very XXXX appraisal. Over all, my closing costs doubled, and I have to pay more money out of pocket to get done what they should have done in in the first place ... ..as a customer, I have the highest dislike for this company, they are unprofessional, un-courteous and down right rude, waiting for the mast minute to extend the process even longer, 4 times. After buying and selling around XXXX homes, this was the most agonizing experience I have ever had or seen. People, please do not use Nova Financial, you will only be left with aggravation and may still have to pay more in the end to get the job done.
Caliber Home Loan purchased or was servicing the loan from the prior company never notified all interested parties as I am on the note and deed but not on the Mortgage. I have been trying to save the home as I purchased the properties with a partner which is the primary person on the documents. 
I have received recently information regarding foreclosure which I was never notified of the initial delinquency or intent to foreclose and nothing regarding a lender placed insurance policy placed on the home. I requested copies of original signatures on the documents signed at closing ie Note, Deed etc. To date they mentioned since Im not the initial person on the loan they can not speak to me but they have initiated me in the foreclosure process. I would like to modify these loans as they are upside down the amounts owed currently and the values and underwater. No one from this Mortgage company ( which the original company XXXX ) has contacted me directly via phone other than initiated a foreclosure process.. 
Please look into this company and its current dealings as I am in the dark about the documents requested.
Requested a  Loan Modification i n  XXXX   XXXX  to whence, after this request was consistently told from one moment to the next, the modification was incomplete yet no one could tell me what exactly or explain precisely what was needed. This was drug out until  XXXX   XXXX . What started out as a debt of about {$2000.00} ended up being close to {$8000.00}!!! Now, as I got ready to make my payment today, I am not hit with an additional {$400.00} or fees on top of my mortgage. The lender took me through much grief, worry, sickness and inconvenience only to tell me in  XXXX  or  XXXX  that I was denied because I had a modification 2 years earlier which was also a scam as they suckered me into a balloon payment of over {$18000.00} at the end of my mortgage. I have a total packet of over  XXXX  pages of back and forth issues and constant submissions.
My name is XXXX and I a member of the armed forces. One year ago I discover an third party collection agency under the name of Orion Recovery place a collection on my credit report. I never had a contract with this company XXXX. I was XXXX during the time frame that they state I had a contract. I being trying to dispute this company with no luck. This company is damaging my credit rating and is charging 8 % interest every month. I would like to have this inaccurate claim deleted from my credit report. I have only been in contact with this company via email. I would like this company to be investigated, I feel as thought this company is scam. Orion Recovery is not bonded or insure in the state of North Carolina in which I reside. Thank you, for your time.
I got a loan with one main financial in XXXX XXXX, I left my job for another XXXX. The payments were coming out of my bank account. I told them I no longer worked there I make less money and would be coming in to make payments. I got a local job asked them to lower my payments they were {$250.00}. I called the XXXX # the lady told me I had to go in the office and fill out paperwork for insurance. I did n't fill out insurance paperwork, but was threatened by XXXX XXXX of the girlsif I did n't come in and pay {$230.00} they would take me to court. I borrowed money and went in, XXXX XXXX of the girls XXXX XXXX ) told me all I had to pay was XXXX. I once again asked for lower payments I get {$150.00} all together in child support {$45.00} for 3weeks I turned this information in to them. I asked them if they would take partial payments since all together at the end of the month I have all the money. They no longer take partial payments. Once I get the money they have put a late fee on it, I 'm short of the money. I have explained this to XXXX who told me she had nothing to do with the late fee. I explained this to XXXX, XXXX I told them I would try to come up with the some money by Friday XXXX/XXXX/2016 they have called me every day. I won money from a pick XXXX when I made my last payment and I told them that. On XXXX/XXXX/2016 I had to once again tell XXXX I was out of work because my client passed away in XXXX and I have the obituary with my name on it. What did I pay insurance for, why they did n't change the date of my payments to keep from having a late fee? Why lie and tell me I had to pay XXXX fee and I go in someone tell me something different? I filed a complaint with XXXX I have not heard anything back. They have violated my consumer rights and being harassed.
XXXX XXXX calls me at work, on my cell phone several times a Day, several times a week. Ive asked the client service Rep. to stop harrissing me. Im not delinquent on this account. XXXX XXXX has reported to XXXX, Equifax, and XXXX the three credit Bureau the account delinquent because I requested they stop harrassing me. Ive never been delinquent on this account.
My husband called his Sears Credit card approx. XX/XX/2018 to make a {$17000.00} payment to our credit card. 
He authorized the payment to be exactly {$17000.00}. On XX/XX/XXXX ACH Sears made a withdrawal of {$17000.00}. 
This overdraft of {$160.00} caused my account to go into a negative balance and I was charged a {$30.00} service fee from my credit unioXXXX. 
I had my husband call today XX/XX/XXXX to find out why Sears made a larger payment than what was authorized and he was given a lame excuse that since the actual charge was done days later there was interest that was accrued on that account. They refused to issue a check to cover the {$160.00} or the {$30.00} service fee. Instead they offered to put the {$160.00} back on the account. I am deeply disappointed that Sears would do this to us as customer that has more than 11 years of a relationship with them.
For the past year of 2016 I have sent several complaints to CFPB concerning the irregularities at Seterus Inc to no avail because CFPB has not, in my opinion, investigated thoroughly Seterus Inc. and put a stop to their abusive manner in keeping their doors open.Seterus Inc has disbursed my County Taxes late incurring a late fee on my account and not taking responsibility for it, so of course, that late fee is coming out of my pocket, not happy with that, it took them 2 months to disburse my home insurance funds, again incurring in penalty fees, and again out of my pocket. 
This being my third complaint this year, and I hope its the charm that will get CFBP on their feet and investigate, because of me being unemployed for the past 9 months, I was awarded a forbearance through Neighborhood Housing, for a period of 6 months, acknowledged by Seterus, per attached, and I am still getting phone calls everyday, receiving correspondence, I am late with the mortgage payment per attached, harassed etc. Is that not illegal? I know for a fact that a provider can not harass by phone nor mail after an agreement has come into place by both parties. How many more complaints against Seterus Inc is it going to take before CFPB puts a stop to the irregular way Seterus does business? XXXX XXXX was discovered and their fraudulent manner of opening bogus accounts by CFPB, why cant the CFPB uncovers the manner they harass and their ability to play with peoples mortgages, putting them at risk of loosing their homes.
I had been working for Supreme Lending in XXXX XXXX, MN off XXXX XXXX in the XXXX XXXX building in XXXX 2015- XXXX XXXX 2015. They had shown me how to alter a XXXX after a borrower has signed and dated it, including changing the name and address of the borrower. I know this to be against what is acceptable and so I refused to do it. They fired me shortly after however, they still use edit pro to change XXXX without borrowers consent.
I am a victim of identity theft by a family member, who is now dead. I have written several letters to Citibank about this matter. They refuse to believe me. They hired a debt collector to come after me, and I sent THEM the information, and they sent a letter saying they did not know that I had disputed the debt, and they did not pursue me further. I wrote ANOTHER letter to Citibank with supporting documentation. I sold jewelry, and made an offer of settlement though I DO NOT owe them any money, but I just want this over. They did not respond to my offer, they just sent another letter, from XXXX XXXX of the Executive Response Unit, and she said they will no longer respond to me in any way, and they have hired ANOTHER debt collector to come after me -- Northland. I have not yet heard from them directly. I suppose that they will keep hiring collectors, or even sue me. This letter even referenced a second card number, that I never had. I am in poor health and the stress has caused several XXXX XXXX.
Respectable Gentlemen I asked Bank of America to stop withdrawals from my savings account by XXXX XXXX, who bought an unsigned contract from XXXX XXXXXXXX, who was supposed to help me in a loan Forgiveness that resulted in a consolidation. The whole transaction was misleading and once I realized it I reported the fraud to the bank and requested they stop payments immediately and help me get a refund from XXXX XXXX who cheated me and XXXX XXXX who I do not know and with whom I ended up having this debt for a " Service '' that was n't fulfilled. 

The bank has not fully cooperated with this problem and from the beginning they were trying to charge me for a stop payment to XXXX XXXX XXXX who I do n't know ) even though I explained to them that I was mislead by XXXX XXXXXXXX to believe that my student loan was going to be forgiven but instead, they were only consolidating it and for which they were trying to charge me a RIP OFF fee of {$2000.00}, so to make sure they got their share they sold my contract to XXXX XXXX. 

Bank Of America has apparently ignored my request and have reached a decision based on documents that XXXX XXXX has offered and which I never had a chance to see or evaluate and which dont even have my signature. 

I hope I get the support on this Issue as you are my last and only source for help. 

Thanks so much in advance Respectfully yours XXXX
Regarding : CMRE Financial Services Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX In XXXX, I had XXXX and received a bill from the XXXX XXXX XXXX XXXX XXXX, XXXX. I overlooked paying the bill, which was referred this service. Earlier in XXXX, I negotiated a settlement with CMRE and paid the bill in full. Since that time, I have continued to receive harnessing phone calls from them requesting payment. When I spoke live with their representative, they told me that there was a mistake and they would remove me from their system. 

I believe these calls were an attempt to get me to pay more money to them after we have already settled.
I have a Best Buy rewards card that runs as a credit card thru Citibank. I noticed my balance wasnt decreasing as I was paying my card every single month. I knew something was wrong. When I gave them a call they had said that I was paying into a program called debt protection which I have never authorized or even heard about. It was charging me XXXX a month! Furious, I complained and cancelled the service with the promise that I would either receive a credit to my account or receive a letter stating the process on the issue. Its been about 6 months and still no word. I call at least once a month and still have not gotten any progress. I will NEVER use this card ever again. Im am greatly unhappy and disappointed in the services and bs that Citibank provides. Charging customers without consent is a criminal charge!!!!
On XX/XX/2018 I received a notification of a collection on all 3 credit bureaus, Midwest recovery systems. Ive never heard of them nor received ANY notification of any debt or collection from them. 

This company needs to be looked into as Ive necer heard of this debt or received any notification of such. My credit scores dropped over 50 points due to this invalid debt!
I entered two Charge Backs with Chase Bank. A deposit {$3000.00} which I gave XXXX XXXX XXXX for new sails and then {$3500.00} which XXXX XXXX XXXX charged without my consent before delivering the complete order. On XX/XX/XXXX Chase called telling me they had received XXXX XXXX XXXX 's response letter which they were sending me. I was told that I would need a third party to rebut this letter as evidence that the Sails were not made correctly and that I had not received the complete order. I called Chase twice on XX/XX/XXXX telling them I did not receive the letter sent XX/XX/XXXX. I asked for the letter to be emailed or next day mailed. They said they could not do either. I was told it takes 10 business days to get a letter. I called twice on XX/XX/XXXX to confirm I still did not have the letter. The second call on XX/XX/XXXX, I talked to a supervisor named XXXX for 35 mins. I asked him to next day mail the letter. He did not nextday mail the letter. He told me I had 30 days from XX/XX/XXXX to respond. He was not competent enough to read the letter which stated, " Since this is a time sensitive matter, please provide your response by XX/XX/XXXX '' On XX/XX/XXXX I call again and said I did not have the letter. I was told it would be resent and would take 10 business days to get. On XX/XX/XXXX I called three times trying to get the letter. The last person I talked to on XX/XX/XXXX was XXXX. He said he could fax the letter. He said it would take 5 business days to fax it. I did not receive the fax. XXXX told me I had 2 billing cycles to get a third party letter to rebut XXXX XXXX XXXX 's letter. He was not competent enough to read the letter which stated, " Since this is a time sensitive matter, please provide your response by XX/XX/XXXX '' On XX/XX/XXXX, after still not receiving the letter, I found Chase Bank 's Executive Office and talked to XXXX XXXX. She next day mailed me the letter from XX/XX/XXXX which did state, " Since this is a time sensitive matter, please provide your response by XX/XX/XXXX. '' Chase failure to get me information I needed in a timely manner caused me to loss my Charge Back.
The present loan servicer claims they were not forwarded the verification I requested and to contact the prior servicer which was Bank of America. 
When I called Bank of America, I was given the file information I requested by telephone several times since XX/XX/XXXX. I asked to be sent written confirmation at least six times and told each time I would receive it in approximately two weeks. This is considerably longer and in months calculation waiting on the written confirmation from my file. I need the written confirmation for my own files. The request is a written confirmation of the permanent equity freeze on this account that applied to my Loan # XXXX XX/XX/XXXX there is a code number indicating the reason for the freeze.
I modified my loan with XXXX in 2009. 
The company changed name and is now called Ocwen. I was told if I had 3 years of timely payments on a trial basis bases and I kept the house, the loan would be as is with no prepayment penalty and I would not owe additional funds. I have been renovating my house out of my own pocket since then. I want to refinance my loan. When I asked for a pay off with Ocwen informed me I owe them an additional 25 % of the new appraised value. There was one stipulation, if I renovated and submitted receipts they would deduct that dollar per dollar. I asked what is criteria for remitting receipts and what would be accepted. I was told there was no one to talk to and it's up to their discretion. I want some solid guidelines. When I researched this loan, numerous people were told the same as myself that we were out of any pay back after 3 years. How can this be so subjective? And they lied about a three year termination of any stipulations. My email is XXXX XXXX
I received a notice on a debt in the amount of {$82.00} for a XXXX account when I had only been with XXXX for a month prior to getting this collection notice. I called XXXX to verify the amount in question. I was told by them that I am NOT delinquent on my account nor have I ever been delinquent on my account. Further more XXXX did a search using my SSN and again could not find any delinquent accounts or amounts in my name or SSN. Not to mention since we switched over to XXXX two years ago we have paid our account by direct bill pay from our checking account. I have tried calling and talking to this new collection agency to verify this debt and they do n't seem to have any answers to assist me in this matter. I only have gotten that I owe this amount and demand payment. Since my wife and I wanted to refinance our home we received this collection notice. However in dealing with this issue in the past they have now added my wife 's name to the collection notice. However in doing so they have refused to talk to her about this issue. Even though she is listed now on this new collection notice that is not valid.
On all XXXX Credit Reporting BureausI am asking that th dated XXXX/XXXX/XXXX, There is a collection report with no account number or verification of what this collection is for. The Original creditor was reported by XXXX XXXX XXXX XXXX XXXX XXXX. When I tried to research this company, it only gave me air conditioner companies in the XXXX area. There is no such phone numbers or address I could find. It also gave the collection agency as IC System in XXXX XXXX, MN. It shows as open on XXXX/XXXX/XXXX and {$93.00}.
I add a difficult time. I was sick with a XXXX XXXX for about 6 months. Because of this, I couldn't pay my bills. I called several to seek. I was not helped. this problem is damaging my life and I impacting my credit eligibility.