WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I made an online " Global Transfer '' on HSBC 's online banking system, and when I realized the terrible exchange rate being used I immediately ( within 5 minutes of the online transaction ) called HSBC 's Premier Customer Relationship Center and asked for the transfer to be cancelled ( as allowed by the wording on the receipt ). The lady at HSBC 's call center in the XXXX said she was unable to revert the transaction. According to the attached receipt, I can cancel for a full refund within 30 minutes of payment. I contacted the Premier Customer Relationship Center within 5 minutes, as instructed in the Receipt. 

The transfer amount was {$50000.00} at an exchange rate of US {$1.00} = XXXX XXXX  The market exchange rate that day was US {$1.00} = XXXX XXXX If I had used some other non-HSBC services, such as XXXX, I would have gotten the market exchange rate and paid US {$360.00} in total fees - a much better deal than with HSBC! 

Thus, for US {$50000.00} I got XXXX XXXX with HSBC. To illustrate the real market exchange rate, with XXXX I would have gotten XXXX XXXX. 
Thats a difference of XXXX XXXX, or US {$880.00}, to show the abusive exchange rate HSBC USA charged me. 

To further corroborate my case, on XX/XX/2018, I used TransferWise to send USDXXXX to my HSBC XXXX XXXX account. XXXX entered into my account in XXXX XXXX on XX/XX/XXXX. Thats an effective exchange rate, with all fees included, of XXXX XXXX per USD. Compare that with HSBCs exchange rate of XXXX  XXXX. Its a clear evidence of the abusive exchange rate HSBCs " Global Transfer '' has charged me. 

When I opened my account at HSBC USA I was told that " Global Transfer '' had no fees. In fact hefty fees are hidden in the abusive exchange rate. 

The XXXX XXXX XXXX trades in relation to the US Dollar in a very narrow band. Thus, there is very little fluctuation in XXXXhe exchange rate, within the day, within the week, within the month, and within the year. It's a very stable currency. 

To further add insult to injury, theres one more important piece of information to add to my case showing the unfair and abusive exchange rate use by HSBC USA. Using HSBC XXXX XXXX internet banking, for exchanging USD XXXX I get XXXX XXXX ( attached screenshot, as evidence ). An effective exchange rate of HKD XXXX per USD. With HSBC USA I got only XXXX   XXXX for my USD XXXX. Thats a difference of HKD XXXX, or USD XXXX, that HSBC USA overcharged me in comparison to HSBC XXXX XXXX. Why is HSBC USA abusing its ' customers in the United States? Why doesn't HSBC USA use the same exchange rate used by HSBC XXXX XXXX? 

In summary, all Im seeking is for a fair market exchange rate. The exchange rate charged by the " Global Transfer '' was not fair by any reference, and in fact abusive. I feel I have been stolen. Hidden fees in a unfair exchange rate is definitely not the way to create trust in the banking system. " Global Transfer '' without any fees is a lie - huge fees are in fact hidden in the abusive exchange rate. You can cancel for a full refund within 30 minutes of payments '' is another lie.
It is important to note, my loan officer company is XXXX XXXX XXXX. XXXX is a different firm managing my loan payments. I have received in mid XX/XX/XXXX attached statement " XXXXXXXX '' from loan officer XXXX. In this statement it was clear that my next payment date is XX/XX/XXXX and new monthly is XXXX. In addition, in that statement, you can see actual payment on XX/XX/XXXX as accounted for and it clearly stated that i overpayed the year of XX/XX/XXXX XX/XX/XXXXand it included a check of XXXX $ made to me to pay for the surplus i paid. I was preparing to make my XX/XX/XXXX payment as usual. but after this letter, i checked loancare.com website and deducted no payment is required. No emails nor phone calls nor mails were received from neither firms until XXXX letter attached which was received in XX/XX/XXXX stating that i was actually late. Before i even knew, I went to loancare.com late XX/XX/XXXX to pay for XX/XX/XXXX and realized the issue and paid for both XX/XX/XXXX and XX/XX/XXXX. that day spent hours on loancare interface, i tried processing my payment but it wasnt going thru. There was a total issue occurring.after painful experience, i 've figured i need to process two separate payments for each month and together it was failing since monthly amount itself have changed. Overall, Both companies failed to notify me on timely fashion and provided contradicting information. Both promised to remove from credit report and that it will be repaired once misunderstanding has been cleared. However, 6 months later and after very horrible experience and 6 month of emails with loancare.com i stil havent been able to remove it from my credit report. i was reported as 30 day late and now PMI will not be removed because of this mistake. This company been redirecting me from one department to another and today i was redirected to a fake email XXXX They damage my credit for no reason without proper notification. they 're interface now spams me with multiple pop-ups and i have to click 6 times to confirm to just see my statements. They are aware of the issue and claim they are working on a fix. this has been going on more then 6 month. despite the reasonable case that ive made and many messages and followup and even after i paid fees and over 6 month of trying to get response with no luck, the creditor is acting unreasonably '' by not removing the 30day late payment even when they agreed to and Loan officer already agreed to remove since they have sent the confusing statement and never clarified. I wasted my time for half a year now, and i hope similar companies can be stopped from consumer harassment such as my case above and held them accountable for what they are doing. Regards, XXXX XXXX
XXXX & XXXX & XXXX ALL 3 CHASE CC FILED IN MY BK XXXX.
Portfolio Recovery constantly calls from different numbers. When I block one of their numbers, they call from another one. I have no debts. I pay off credit cards in 30 days with auto-pay from my bank account. This may be one of those " zombie debts '' that XXXX XXXX was just fined for. I would like Portfolio Recovery to stop calling.
I called the number listed on my credit report for Miramed XXXX XXXX numerous times ; however, I still have not received any correspondence regarding the alleged debt. The fifth or sixth time I called a lady offered me a tax deal where If I paid one lump sum that they would write off the remainder of the debt but she couldnt tell me anything about what the debt is for. I have never had a contract with Miramed and believe they made an error that is greatly affecting my credit. Please help.
I submitted documentation to Experian from creditors I had paid in full and they would delete from my file ; however, Experian refused to delete accounts
Equifax is ignoring my requests to investigate and remove accounts from my credit report that do not belong to me.
a company called Portfolio Recovery Associates , LLC. just recently started calling my home phone and sending me letters saying I owe a debt. They are in a class action lawsuit with me as one of the plaintiffs. They use threatening language and other menacing tones. Even the letters they send say they can not do anything to me but persist on trying to collect money. Just want them to stop harassing me.
I started school six years ago and found out we were XXXX two weeks in and told them I could not continue and they told me that it was only two weeks if I dropped out within a month the student loan does not get processed. I signed the paper saying I dropped out and that was the last I heard from them. Now six years later I am trying to buy a home with my husband and they pulled my credit and on XX/XX/2017 Asset Recovery Solution said they bought a debt from the school and I now owe them {$6400.00} that I never heard about from six years ago.
I attempted to set up a FCRA credit freeze with Transunion by going to their web site https : //www.transunion.com/credit-freeze, which directed me to a form at XXXX XXXX XXXX XXXX repeatedly filling in this form, even using different web browsers, failed, with an error page coming up asking me to contact the company. 

( The exact message was : " We are sorry, but we are unable to fulfill your request at this time. If the problem persists, please contact our Website Access Support team at XXXX '' ; I have attached a screenshot of this page. ) I had no difficulty helping my wife fill in the same form and get her credit frozen, so it appeared to be something wrong on Transunion 's end. I called the phone number at about XXXX on Thursday, XX/XX/2018 and got a completely unhelpful person who told me to do things like clearing my browser cache and to try another browser ( which I already had done. ) I then asked to speak to their supervisor, which they initially resisted doing until I insisted repeatedly. 

Around XXXX I was finally transferred to " XXXX '' ( who later told me his employee ID was XXXX and otherwise wouldn't give me any information about himself. ) XXXX told me that he had no access to any sort of tech support people and was basically unable to assist me further. He informed me that I could try sending a screenshot of the failure page to XXXX but he couldn't say whether or not this would result in anything positive occurring. 

He suggested I could also try using the Transunion credit freeze app. I immediately brought up the web page describing it on XXXX 's XXXX store. The app has a rating of 1.6 of 5 stars, and has descriptions from users like this : " Doesnt work Would be nice if this app actually worked. I downloaded it almost three weeks ago and it still says the service is unavailable and to check back later. I even called the number listed in the app and I got some customer service office overseas and they told me I wasnt even signed up. When I go through the signup process it tells me Im already signed up. From what I can tell a lot of users are having the same issue and no response from Transunion. '' See : XXXX XXXX XXXX XXXX XXXX XXXX Having read those descriptions, I then declined to download the app, since it looked like it would not be particularly productive. 

He then offered to transfer me to Transunion 's " Consumer Relations ''  department at XXXX XXXX XXXX for them to check if anything was wrong with my account that had been preventing me from using the credit freeze page. I allowed myself to be transferred to that department, which around XXXX indicated nothing was wrong with my account. They had little more to offer in the way of help, though they did suggest I could call another department that handled credit monitoring. Having spent most of an hour on the phone, I decided it might be a good idea to file a complaint.
I graduated from XXXX in XXXX, Texas in XX/XX/XXXX. Around XX/XX/XXXX I called XXXX XXXX ( my loan carrier ) to find out the total payoff of my student loan. I told it was roughly {$21000.00}. So I paid the full balance. I believed I had paid my entire loan off and had XXXX balance. Eight years later XX/XX/XXXX, I started to receive loan bills from Navient. I contacted Navient to see what this was about and they told me that they had been doing me a favor. For the past 8 years instead of paying off my loan they had been holding my {$21000.00} in a separate account and paying off my loan in monthly payments without notifying me of this activity. Then they send me a letter stating that I only paid {$20000.00} and at the time I was quoted over {$30000.00} that I still owed. They spent {$21000.00} on monthly payment instead of paying off the entire loan and now with interest they tell me I owe an additional {$19000.00}. I never received monthly statements or anything until Navient tells me I owe them ( not XXXX XXXX ) an additional {$19000.00}. This is some kind of Ponzi scheme or extortion. Its also affecting my credit score. I paid off my entire student loan years ago.
XXXX XXXX XXXX has posted a collection account with XXXX XXXX XXXX XXXX Acct # XXXX for {$280.00} for a home insurance policy that was canceled and property was covered by another insurance company. Sent them proof and still no response. How can I be charged for a policy that is not active at the time. I am attaching the complaint letter I sent them. This collection has effected my credit rating. Please help remove this collection.
TransUnion is reporting a duplicate credit card account on my credit report. 
It is a XXXX XXXX credit card dated XX/XX/XXXX. I already had a XXXX XXXX account that was opened in XXXX. 

I have contacted TransUnion, XXXX, XXXX, and XXXX to have this XX/XX/XXXX XXXX XXXX account deleted from all of my credit reports. Only XXXX credit bureau has deleted it from my credit report.
I am a co-signer for my Daughters school loan. I have XXXX loans. She has been XXXX. I have informed Navient in the past that she was XXXX and that the max she could pay them was {$150.00}. It seems that they never document her account because I have had this discussion EVERY month for the last 8 months. 
I received no phone call or direct mail to inform me that a payment had not been made. 
I called to discuss that as the co-signer was not properly notified. I would bring my account up to date. That because I was not properly notified as the co-signer I request that they remove the delinquent from my credit. 
I had difficulty with the representative, XXXX XXXX # XXXX. 
1. He does not speak XXXX very well. When I asked for a fluently XXXX speaking representative XXXX was not " available '' 2. I was told XXXX different numbers that needed to be paid. XXXX ( her monthly agreement {$150.00} ). 
total bill of {$670.00} or the total bill of {$940.00}. 
3. He told me he would not remove the late payment ( remember I am the co-signer and I was not properly notified ). I asked for his supervisor. XXXX was not provided. He then told me he COULD remove it from my credit-IF I gave him authorization for auto debt from this point forward. I do n't do auto debt. There have been some complaints filed of Navient messing with peoples bank accounts that I read on line. Another concern was he told me XXXX different numbers that needed to be paid. {$280.00}, {$670.00}, or {$980.00}. The monthly payments are {$150.00} I thought about going ahead and giving him an account number if it meant removing it off of my credit. He told me in another sentence he WOULD NOT be able to remove it from my credit. 

I then got frustrated and pointed out how many times I repeated myself and had to explain things. That he was telling me XXXX different things. The amount owed and his authorization to remove from credit. Also that a supervisor was not available-but I could hear someone in the back ground coaching him? 
The bottom line was I was only able to talk to him-the communication was confusing- I was told to give him my bank account number or he would disconnect the call. 
My call was disconnected ... .... The End
My wife and I found a home we loved,, which was listed for {$410000.00}. I called USAA, and we were pre-approved to borrow XXXX percent of a purchase price up to {$410000.00} ( loan amount up to {$420000.00}. ) Based on that representation, we entered into a contract to purchase the home for {$410000.00}. 

About a week after we submitted our package of paperwork and ratified contract, a USAA representative contact us and informed us that the underwriters now required a down payment of approximately {$25000.00}. We agreed. 

A day after our contracted closing date ( scheduling and timely communication were issues throughout this process ) USAA contacted us and informed us that the underwriters now required a down payment of approximately {$50000.00}. Past schedule to move into a home we had already set our hearts on, we agreed. 

I do not recall receiving a Good Faith Estimate, but at closing, the numbers used by USAA on the HUD forms as a Good Faith Estimate were about 15 percent different than the final terms. Again pushed further down the road, we again agreed to modified terms. 

USAA later sent us a check for about {$500.00} to bring the difference between their estimate and the closing numbers closer together. The letter blamed the large difference on a " clerical error, '' but contained no substantive explanation. 

I understand some numbers my change as this type of transaction finalizes, but we were sold a loan with zero percent down, than accepted a loan with six percent down, and then were finally pushed into a loan with twelve percent down.
Have been paying my Student Loan for the past 10 years ; XXXX XXXX was the Lender but they change to Navient and my Loan keeps going up instead of going down. I called them many times asking for how much interest I have to pay before payments go to principal and no one knows anything. Also I called today to ask why my monthly payments are going up without letting me know and they said that a 2 years payment arraingment have finished and I have to pay XXXX monthly. I said I ca n't pay that amount monthly and they offered me to pay XXXX monthly for a year and renuew payment plan every year to see if I still qualify for it and in 25 years will be forgiven my loan without counting this 10 years I '' ve been paying. This is too much, I need help! Thank You.
XXXX XXXX rejected my XXXX Credit card application stating too many credit cards were opened during last 2 years as per Equifax. As far as I know only XXXX credit cards were opened and I usually carry a XXXX balance on all my credit cards since I pay them off right away. As an example if I make a purchase today from my credit card then I pay it off today or tomorrow and my credit score is over XXXX. I am not new to XXXX and already had a banking relationship with XXXX for last XXXX years and own a credit card from XXXX as well which has a XXXX balance. XXXX publish promotions online which I called a bait to attract customers like me reject them giving XXXX stories. I believe I was treated unfairly due to Equifax report and approve my credit card application ASAP since I have a good credit history for last XXXX years.
I have continuously tried to resolve certain issues on my credit reports from all  XXXX  major credit reporting agencys. I have recently applied for credit and was denied. was not contacted at all by these  XXXX  agencys lettening me know there were possibly something negative in my reports and giving me a chance to respond or to investigate. The  XXXX  credit reporting agency 's just went ahead and gave the business inquiring into the credit the reports.
Nationstar is the servicer on my loan and makes payments from the escrow it holds for taxes and insurance. 
My insurance agent sent on XXXX/XXXX/XXXX a certificate of insurance for XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and an invoice in the amount of {$4300.00} ( copy enclosed ). This invoice was not paid by Nationstar until XXXX/XXXX/XXXX ( proof enclosed ). In the interim period on XXXX XXXX, XXXX Nationstar issued a check number XXXX on a false and fraudulent invoice to a XXXX and check cleared XXXX/XXXX/XXXX. I finally got this payment information from Nationstar on XXXX/XXXX/XXXX after many calls and complaints. I was also given the policy number XXXX and the general phone number for XXXX XXXX XXXX ( XXXX XXXX XXXX and the accounting department XXXX XXXX XXXX and told to contact them for a refund. I have contacted that number and been told that the agent is out of the office and will return my calls. I have also requested from Nationstar a copy of the certificate of insurance issued by XXXX XXXX for the period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and none has ever been produced. 
I only became aware of this double payment when I was doing my income taxes for XXXX in XXXX XXXX and noticed on the prior escrow analysis ( copy included ) that Nationstar paid out of escrow {$4300.00} in XXXX XXXX and {$4300.00} in XXXX of XXXX. I had never received any notice from them regarding my property insurance after they double paid. Basic escrow management of insurance disbursements were ignored in a negligent manner. If I or my insurance company had been notified in XXXX of XXXX regarding this double billing we would have solved it. Since this double payment was a result of their negligence to follow basic requirements I should be reimbursed for their error and proper adjustment made in their procedures to avoid having this happen again. I have no idea who this XXXX XXXX XXXX is and never authorized their coverage. Nor should it be my responsibility to unwind their error and seek the reimbursement myself. 
This sloppy management gives my concern that Nationstar has far wider problems with servicing their loans and escrows and should be investigated further to get at the source of this mistake and if this is a systematic source of fraud.
I had an old debt of XXXX dollars with Wells Fargo XXXX XXXX XXXX # # # # # # # XXXX I called them to resolve this issue & they offered me XXXX payments @ {$560.00} per month to settle the account with a zero balance. I paid as agreed {$3300.00} ... wells fargo then went back on their word & reported incorrect information to the Credit Bureau I had been monitoring my credit report each month & they were reporting as paid as agreed each month. After I paid the said amount of {$3300.00} the went back and reported as CO= charge off not paid with XXXX balance ... I called XXXX on XX/XX/XXXX@XXXX talked to XXXX. explained as it reads above. I was told they would research phone conversations & return my call within 48 hrs. That did not happen. I called them back on XXXX @ XXXX I was told they were still researching info. No call was returned from wells fargo to me during this time frame. I called them back on XX/XX/XXXX @ XXXXXXXX XXXX   asked to speak with a supervisor spoke with XXXX XXXX & was told they were still looking for phone data @ that point I asked to speak to his supervisor spoke with XXXX. was told same thing still researching for phone data, went to next level of supervisor XXXX XXXX on XX/XX/XXXX XXXX was told again they were still trying to find phone data. called her supervisor XXXX XXXX & still getting the deception run around excess as to they are having trouble getting data. 
My complaint is based off of Wells Fargo is the one who offered me the reduced rate ... with a zero balance paid in full. Now they are incorrect reporting on my credit report & are using the excess of phone data no to report to credit reporting services .Wells Fargo deceptive business practice has cost me to miss closing date on home for my family .... Thank you Wells Fargo case # XXXX
I have CDs with Sallie Mae Bank. XXXX CD matured XXXX/XXXX/17. I received no notification by mail but representatives insist I was sent an email. In reviewing all accounts for federal tax preparation I found XXXX for many accounts except Sallie Mae which must be retrieved online only. In retrieving XXXX I noted a CD matured 11 days previously and called Sallie Mae the first day it was open after the discovery. They simply say their policy is to have email only notification which one must agree to when establishing an account and since I contacted them at 11 days instead of the 10 day window I had no recourse except automatic renewal or pay a 3 month interest penalty. I understand policy but although I get a monthly email that says log in for account update I find no email showing renewal information plus a monthly repetitive email with the same info would increase the liklihood of missing an email with something of real importance such as maturing CDs. Even so I find email only policy inadequate and unfair to seniors who are more comfortable receiving paper renewal. In fact, I deal with numerous online banks and find this one to be the only bank I have refusing paper notification of maturing CDs.