WillisBack/dataset-financial-user-claim huggingface dataset:
Planet home lending took over my loan from XXXX earlier this year. When calculating my monthly mortgage payment, Planet Home Lending double charged me for my insurance bringing my monthly mortgage payments to somewhere around $ XXXX/Month. I obviously fought this and after three long month was able to convince Planet Home Lending of their mistake and bring my monthly mortgage payment down to $ XXXX/Month. This was XX/XX/XXXX and I have all the communication to proves this including an email from Planet Home Lending stating that " we are in contact with your insurance agent ''. I thought everything was settled as I have been paying $ XXXX/month since XX/XX/XXXX but all of sudden, my XX/XX/XXXX monthly payment jumped to $ XXXX/month. I immediately called Planet Home Lending to find out what had happened for my mortgage payment to go up so drastically and they said that I did not have insurance since XX/XX/XXXX and that they did not know who my insurance company was? This is a total lie since we had gone through this whole charade seven months earlier and I had email proof that they had been in contact with my insurance. Upon digging a little more, I found out that my insurance premium had gone up during the year a total amount of {$210.00} and that Planet Home Lending had not paid the invoice which is why my insurance was cancelled. I must specify that at not time was I contacted by Planet Home Lending or my insurance to advise me of this sudden increase but beyond that, Planet Home Lending obviously knew who my insurance was because 1 ) I have an email from them stating that they are in contact with my insurance agent 2 ) They reduced my intial payment from {$2400.00} down to {$2000.00} 3 ) They made a payment on my insurance but were short of {$210.00}. If they did not know who my insurance was, who did they make the payment to? 4 ) My payments remained at {$2000.00} all year until XX/XX/XXXX. All that being said, I have been fighting with everyone at Planet Home Lending but they refuse to admit their fault and every department passes me on to the next. I find it crazy that if I happened to be a day late on a payment they call me twenty times but when they have to put me on their lender based insurance at double the rate I was paying, nobody calls, emails or even sends a letter. I am at my wits end and hope you will be able to help me with this matter.
On XX/XX/XXXX, I changed my internet service provider to XXXX. Since then I have not be able to access my account online at M & T bank with who I have banked for nearly 20 years. I only use one computer that is hard wired to the router to access my account for security reasons and it stopped working after I changed to XXXX. Earlier in the day on XX/XX/XXXX, when I was with my previous internet service provider XXXX, I was able to access my account. 


When the account login in failed, the website tells me to call the online service center which I called on XX/XX/XXXX and spoke to XXXX with id XXXX. He told me that some fraud alert was triggered and I have to just wait and try again but could not tell me how long to wait for security reasons. I asked if there is a set of steps I could follow that would unlock the account and he said there was none. Only way was to wait and try again. I spoke to manager XXXX XXXX XXXX who also confirmed the same. 


I waited a week and on XX/XX/XXXX I tried to log in again and it failed. I went to the local branch and spoke to XXXX XXXX who called the online banking center and they confimed the problem to be systemic with no resolution. Multiple customers who changed internet service providers have the same issue with no solution.
In XX/XX/XXXX I received a notice from XXXX XXXX that my account was closed sue to a payment that was " returned due to Customer Advises Not Authorized ''. The letter was dated XX/XX/XXXX. I have two homes and this mail was sent to my home that I was not back to until XX/XX/XXXX. Normally my mail is forwarded but this letter did not arrive at my alternate address. I had no idea the payment was declined and not authorized. While I was traveling in XX/XX/XXXX my Bank declined several charges on my account because of transactions that were out of my pattern of spending. I had no idea this payment had been declined. As soon as I got the notice I called XXXX to pay the full balance to avoid a bad report on my credit. On XX/XX/XXXX they accepted a phone payment of {$370.00} to pay the balance in full. This transaction is on my Bank Statement as being processed by XXXX XXXX XXXX on XX/XX/XXXX and they assured me it would not reflect negatively on my account. Subsequently I was contacted by XXXX XXXX XXXX. I explained the situation and they said I still had to pay them because the account had been turned over to them to handle. I order to settle the matter I paid XXXX the {$370.00} by phone on XX/XX/XXXX. That is reflected on my Bank statement on XX/XX/XXXX. As you can see I paid this balance TWICE! I thought the matter was settled until I recently applied for a credit card - the first time since this incident. I was turned down and got a copy of my credit report and discover that XXXX is reporting my account as " Charge off '' but the details show the {$370.00} was paid. In another area they report " Purchased by another lender ''. XXXX shows the account as paid and I have a letter from them stating that it would be reported as paid and closed. When I talk to the XXXX they refer me to XXXX. They have nothing in their records until I press the matter and ask for a supervisor - they they find the details and refer me to XXXX. When I talk to XXXX they refer me to XXXX. I have paid this account off twice and should not have it on my Credit report that it was charged off. I have made two disputes to this to no avail and have started another. I have supplied XXXX with all of the information. XXXX is NO HELP AT ALL.
IN REGARDS TO : XXXX XXXX XXXX ; XXXX XXXX XXXX TEXAS XXXX I've sent letters to the furnisher disputing the account listed below. I have not heard back from them, but they have verified the account as accurate .CAN THEY FRAUDULENTLY DO THIS? XXXX XXXX XXXX? VERIFYING AN ACCOUNT WITHOUT PROVIDING ME PROOF THAT THEY ARE REPORTING 100 % ACCURATE? 

I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF ANYONE VIOLATED THE LAW. 
I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ALL OF THE INFORMATION YOU USED TO VERIFY THE ACCOUNT SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY VIOLATIONS.Because of this, Im requesting information about your procedures put in place to verify this account. I would like to see a detailed list of all transactions on this account. Also, provide me with a copy of the original contract/application with my signature. In addition, please show me the date that you claim that this account was opened and charged - off. 


PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. 

I AND MY ATTORNEY AWAIT YOUR RESPONSE.
I have three complaints 1. Three years ago my husband ran out of forebearances and deferments on his loan and Navient said that his repayment would be {$590.00} a month ( {$60.00} was to principle. ) He told them we could n't afford it and they checked his income again and said that was the best they could do. We made payments ( under extreme financial duress ) for 8 months. Then my loans went into repayment also - {$450.00} and we could n't pay anymore. Navient would n't help either of us. 
Finally when we came close to defaulting, I recieved a call from XXXX and the man on the phone told me about the IBR plan, which had been in effect this whole time. 
Navient NEVER mentioned it. 
My husband and I applied for an IBR plan and our repayments were set at {$170.00} and {$180.00}. 
During the two months that Navient considered our applications for the IBR they continued to charge us the former payment and claimed that we still owed it. 
2. I 've now been in the IBR repayment plan for 3 years. Each year though I begin the recalculation process and Navient screws it up, loses paperwork, stalls, takes two months or more, loses mine or my husband 's paperwork, or claims that we clicked a wrong button ( this year apparently my husband claimed that he did n't have a wife even though they service my loans, had already approved my request for an IBR based on his income, and every other year I am on his IBR request ) During the months that it took to get the IBR request reinstated Navient charges us for missed payments. 
3. Right now we are on a {$0.00} repayment because my husband was out of work. While the IBR was recalculated last spring it took 3 months to get his paperwork right. He was charged {$1700.00} during that three months and even though he does n't owe any IBR payment, they want him to pay the {$1700.00} while we waited for them to calculate my IBR. Navient calls him twice a day demanding payment, even on holidays. he no longer answers the phone.
A few months ago I received a Chase Sapphire Reserve card from Chase. The initial offer said that I would receive XXXX points after spending a certain amount within the first 3 months of having the card. It also states that for Sapphire Reserve members, each point that is used towards travel booked through the Chase site is worth 1.5 times  the actual points in my rewards account. 

Approximately three weeks ago I attempted to use my points to book a flight for XX/XX/2019. When I got to the purchase page on the site, it didn't allow my card to go through. I called Chase Travel directly to try and book the flight, they also couldn't purchase it and claimed there was a problem with their computer system. They didn't offer a timeline for it being fixed, and I submitted a claim, claim number XXXX. They said I would receive a follow up contact regarding my claim, which I never did, and when I called back days later they had no claim in their system matching that number or related to my card For the past three weeks I have continuously tried to use the site to use my rewards only for an error to pop up each time. I tried again to book a flight through Chase today, only to receive an error message saying the Chase travel site was unable to load. I called Chase travel and they told me there was a red flag on my account stating that my card was not a card eligible for travel rewards. They transferred me to the rewards department, who told me that there was no such red flag on my account, then transferred me back to travel who stated that there was nothing that they could do and no other department they could contact to resolve the claim. 

The flight I'm trying to book is a family trip, but I have to purchase my wife and son 's tickets separately. Since the time I've started trying to use MY rewards, that trip has gone up in price approximately {$1200.00}. No one from Chase has returned any of the calls from my claims or offered an alternative solution, and I have over XXXX points through their system that I am unable to use with no one willing to help resolve the claim
I do not recognize nor did I authorize the following inquiries to be made : Usaa Fsb Cc XX/XX/XXXX Usaa Fsb Cc XX/XX/XXXX
Equifax has put me on a do not call list, because I 'm trying to correct their mistakes that they refuse to correct. I 'm sick of dealing with these people, if they would get it right I would n't have to call. I have two accounts that are listed as open account, and listed as BK s as well, the BK should have closed those accounts.XXXX XXXX and XXXX XXXX. Also the two tax liens XX/XX/XXXX and XX/XX/XXXX should show realased, and then remove after the 7 years.everyone else got it right, why not them?
the lender was sent our QWR on XXXX/XXXX/16 which has never been responded to by the lender - the lender is in violation of the clients right to counsel and our right as counsel to obtain the needed info to properly assist this client in obtaining assistance with the lender
Wells Fargo now says I am being transferred to another servicer. They are unable to help me and I have not got the money to pay all the amounts they added to my loan when I did n't get a modification because they kept not helping me figure it out. Attached is the letter I got yesterday and I do n't know what to do since Wells Fargo keeps telling CFPB they are working on it. They have never helped me and now I ca n't even think straight because I have not XXXX. I am wanting help and no body can help me. I ca n't take much more of this confusion.
I have requested debt validation from Auto Trakk several times and to date have not received anything. I am rerequesting a contract or something which bears my signature and shows that I owe this debt or I request that it be deleted from my credit report as it has bot been validated after several requests.
On XX/XX/XXXX, I noticed that my XXXX XXXX XXXX XXXX XXXX was missing. I called Customer Service at XXXX to report it as such. An agent by the name of XXXX stated that it was being transferred to the Fraud Department for additional verification, but ultimately I was told that it would be sent via regular mail as I didn't need the card immediately. 
On XX/XX/XXXX, the card had still not arrived, so I called Customer Service again and spoke with XXXX. The automated system indicated that they never sent me a new card. She apologized and stated that one would be expedited to me in 24-48 hours. 
On XX/XX/XXXX, when I still had not received my card, I called Customer Service again and spoke with XXXX ( operator ID # XXXX ). She conferred with a supervisor and ultimately notified me that through no fault of my own, my account had been closed ( something I verified through checking my credit report - it was closed on XX/XX/XXXX ). She stated multiple times that it was an error on their part and they would fix it. However, unbelievably, she said that it would take 4-5 business days to approve the reopen request and then they would expedite the new card in 24-48 hours. It is now XX/XX/XXXX, and I still do not have my card. If this is XXXX XXXX XXXX XXXX XXXX 's idea or expedited service, then I would hate to see standard service. At this point, I have wasted an inordinate amount of time, yet it's been over a month and I don't have my card ( an account which I've had for 16 years ). I also have little faith that they will follow through and remove the reference to a closed account from my credit report.
I had several accounts at BMO Harris Bank in XXXX that were closed on XX/XX/XXXX. I had to wait until XX/XX/XXXX to access my funds to ensure there were no outstanding claims against the money. They closed my accounts and gave me the remaining balance. I was contacted by a debt collector XXXX in XX/XX/XXXX ( almost a year later ) indicating I had an overdraft charge. I filed a dispute and they stated I would get something in the mail. I never received follow up on this despite repeated attempts to obtain resolution. Then In XXXX, I was contacted by a debt collector, XXXX for the same debt. I have been disputing this debt for an additional 2 1/2 months, in writing with the debt collector and the bank. No one has provided me with documentation that proves I created the overdraft, who may have been paid with funds, or anything other than a bank statement showing a " previous balance '' from XX/XX/XXXX, a month after the account was closed. I have spoken with multiple employees at BMO that confirm I owe nothing. I have confirmed with all of my creditors that no payments received by them were drawn on BMO after the date I closed the account. After 6 months of calling them and being repeatedly told I did not know anything, I was finally offered to be transferred to the credit reporting area of the bank " If I thought that might help '' and the employee there said I owed it but hung up on me when I attempted to find out what caused the charge in the first place. I am still being reported delinquent and still getting calls well after the 30 day window for dispute resolution. Each attempt to get information ends in my being directed to take it up with whichever party I do not have on the phone. This is impacting my credit and I am getting no where with either the lender or the credit reporting agency.
Disputed twice with XXXX. This debt does not belong to me. XXXX keeps sending debt to various collection agencies.
I tried to get a copy of my credit report on-line at annualcreditreport.com but it would not let me. I mailed in a paper request to Experian with the required documentation. They never responded and I never got a copy of my report. It is important to me to get a copy of my credit report because I am a victim of identity theft. I also wrote to XXXX in XX/XX/2016 to ask them to put a fraud alert on my account. I never received a response from Experian about the fraud alert.
The day after the due date, the XXXX, they begun harrassment calls every 3 hours. This continues 7 days a week. Ive never been 30 days late. They claim i am late at 10 days after due date. However the harrassment begins the very next day, day after the due date. I have logged all calls and plan to consult an attorney to sue in civil court.
On XXXX XXXX, 2014 I opened a case against XXXX XXXX and XXXX XXXX because they opened a collection which was closed as Identity Theft on XXXX XXXX, 2014. 

In that time, I explained to them that I have not ever live in NY, so it is not reasonable that I ask for a service in a place that I do not live and I do not planning to live. 
I work here in XXXX XXXX, I studied here, and I have been raised and live all my live here in XXXX. 
Also, I have an excellent credit ( which is affected by this again ). I do not have that kind of behavior about not paying my debts. 

Those cases were XXXX, and XXXX, which you have in your system. 
Both of them closed as Identity Theft. So why XXXX XXXX are trying to open this again after a year? It is not fair and they are damaging my credit.
Responding to a mail solicitation, I deposited {$15000.00} with Citibank on XX/XX/2018. The promotion promised a bonus from the bank of {$400.00} after the money was held in a savings and checking account for 60 days, split between the two accounts. I later discovered that the {$400.00} would be deposited in one of the accounts after an additional 90 days. That time elapsed aver two weeks ago I have twice spoken on the telephone with customer service agents and once face-to-face with the manager of a branch office. Each time I was told the {$400.00} would be added to my account in " one or two days. '' No money has been given to me. I notice that on your database there are  many complaints about this same issue. Please help me as Citicorp is unresponsive and evasive on this problem.
I 'm an authorized user on this account and when the primary stopped paying as agreed, the credit card company is reporting negative information on my credit report. As an authorized user, this should not be reflected on my credit only on the primary 's credit report.
I became aware of late payment history associated with a student loan account on my credit report when I received a copy of my credit report in XXXX XXXX. XXXX and XXXX delinquencies were reported in XXXX and XXXX XXXX XXXX respectively, by XXXX XXXX XXXX XXXX XXXX " XXXX '' ). An address change request was sent by U.S. Mail to loan servicer University XXXX XXXX, XXXX ( " XXXX '' ) on XXXX XXXX XXXX. The address information in the request pertaining to this account was not updated properly, resulting in account statements sent to an invalid address. Because the account was in deferral status at the time the change of address request was sent, no payment was expected or required. Statements for XXXX and XXXX of XXXX indicating a payment amount due were sent to an invalid address. Thus, no payment was made for these XXXX months. After extensive travel and upon learning of the matter, I personally ensured the correct address information was reported and all past due payments were made. Since then, the account status has remained current and in good standing. However, the credit report currently reflects negative late payment information caused by the XXXX failure to update address information per my request. The credit reporting agency did not contact me to supply information related to this dispute. These errors should be removed from the credit report on both an inaccurate factual basis and goodwill grounds, due to the circumstances from which they arose.
Contacted my Manager XXXX at my work. They told her if I did not contact them today they would serve me court papers at my job. This debt is more than 7 years old.
Was told I could be helped to refinance my property. I was never ever late but facing overwhelming debt and taxes owed by ex spouse and and SPS services left me facing worse situation. They told me to switch my bank loan to them which was perfect credit and then promised to help me.. SPS told me I had to miss a payment so I would go into foreclosure so they could continue to help me..but the reason I even applied for help was to avoid foreclosure!! I was trying to avoid foreclosure as they promised they could lower my payments. I thought it was awful they told me to miss a payment.. Even though I had never been late.. 2years of XXXX with them caused me to lose a rental property I had since 2002 for retirement income as SPS as I am close to XXXX ... I needed the property income. They made the situation worse, my renter moved out and nobody wanted to move into a property that now was possibly going into foreclosure!! and so then to try to save my credit I desperately had to try to sell the property and even when I found a CASH buyer to buy full price they waited 4 months and finally let me sell after pleading with them to please take the offer. They did but only after charging me tbousNds and thousands of dollars to them! I never got ANY help just pure XXXX!!!! The address listed is the property address that was sold. I never got the help they offered only a lost rental for income and had to pay them thousands at the end!
Was using XXXX as the previous student loan finance company, before my loan was transferred to Unisa. I never had any issues with payments being received by XXXX. However, with the current provider, I have had an issue every single time I have tried to make a payment, resulting in several " past due '' marks against me -- each time due to their computer system that repeatedly fails to handles the payments. I contacted the company by their email contact form, concerning their system continuously having errors. I never received a response. I mentioned the issue to the customer service representative when having to make a past due payment due to their system, again, to no resolution by the company. 

I have attached a screenshot of my account payments, all being late due to their faulty payment system. Only one payment with them had been made previous to what was shown in the screenshot and it was on time due to their system being completely inaccessible ( could not even log in ) the first time I attempted to use it -- so a call was made to make the payment. Every following time, I had access to the system, the system indicated that everything went through and was processed correctly, and then would later tell me it was past due and would have to call and make a late payment. 

The continuation of the issue and the disregard for it indicates that these errors may be intentional so that the consumers of their system will have more interest to pay them on the payments, resulting in purposeful inaccessibility and essentially a fraudulent payment system.
I signed-up for a citigold XXXX XXXX promo, met the terms, and yet was not awarded the miles because, after the fact, I was told by citi that I am ineligible because I did n't receive a targeted offer. Correct, I did not get a targeted mail offer but I did confirm with citi that I was going to get the promo miles when talking to them during the opening of the account and during the qualifying period. I believe that the promo code was XXXX. Now when I follow-up via chat and on the phone their stock answer was that I had to have been targeted so I 'm not going to get the miles. I 've been getting charged a $ XXXXmonth fee to keep the account open while I 've been waiting to get my promo miles provided.