WillisBack/dataset-financial-user-claim huggingface dataset:
This is a continuation of my last complaint. While I now have the documentation regarding the debt ; I was NEVER given an option to set up a payment plan or given consideration due to hardship. As a result, the XXXX XXXX XXXX XXXX and their debt collection agency continue to charge and compoundinterest after literally taking all income tax returns from both my wife and I. 

Had I been afforded an opportunity to set up a payment plan or debt settlement with them, I most certainly would have done so. 

Its unfortunate that a company that is supposed to benefit Military and beneficiaries is so predatory and inconsiderate. Their actions are forcing me to consider bankruptcy.
PNC offered a promotion on my credit card for using visa checkout. The promotion consisted of a XXXX dollar credit for spending at least XXXX dollars with visa checkout with your enrolled credit card. The bonus was to be paid within 90 days. It has been 90 days. The bonus was not paid. I have contacted PNC twice with no resolution. This is the second instance of an UDAP violation where PNC had refused to honor their advertised terms on an account with me. I would like all my bonuses paid, accounts closed and PNC held liable for violating UDAP.
Borrower : XXXX XXXX XXXXProperty Address : XXXX XXXX XXXX XXXX ; XXXX, MD XXXXLoan XXXXLender : Caliber Home LoansFormal Complaint Against Caliber Home LoansCaliber Home Loans, Inc. tax department made an error on my mortgage. They thought that Caliber had to pay a {$1900.00} tax bill twice annually. 
Which made my mortgage payment ( PITI ) escrow almost {$400.00} a month more over andabove my current mortgage payment. My current mortgage payment XXXX PITI XXXX is {$620.00}. However with this tax error on the part of Caliber my mortgage payment is over {$900.00} of which, I can not afford and will not pay due to Calibers error. 
However, after my complaining numerous times. The tax department finally realized that the taxes of {$1900.00} was payable only once a year not twice in one year!!!!. Caliber tax department via the tax department supervisor XXXX XXXX spoke with me twice and assured me the problem would be resolved. It has not!!! I am still being wrongfully chargedover {$900.00} for my mortgage payment that was wrongfully calculated by Caliber Home Loans. Caliber has put my loan in the Collections Department, they have sent me loss mitigation documents they say I am behind two payments. I continue to send in my correct loan amount of $ 624 monthly and not the over {$900.00} that they wrongfully calculated for the escrow due to their mistake. I have tried to no avail to have this problem resolved within Caliber and can not. I was told by a person in the tax department that theresearch department that handles these issues as a very large backlog and I had to wait my turn. I should not have to pay an excessive {$400.00} a month for escrow due to an erroron the part of Caliber.
on XX/XX/2018 I experienced issues with my care credit card with synchrony bank. My card was showing as if I had no account. I proceeded to contact synchrony and was told by customer service that my account was restricted I asked why as my account had a XXXX balance and in good .I was told I needed to verify my account. Synchrony bank did not want to accept my info such as address, phone and social security. They told me that I needed to submit a 3 min video of myself with documents in the video proving that it was me. I was told to go on XXXX when I went on this there was no such search providing me with this. I proceeded to call them back and then I was told to submit my documents such as drivers license and a utility bill to a XXXX XXXX address. when I asked for a physical address and a reference number on my documents I was told I did not need it. I hung up and called for the 4th time and asked to fill out a grievance I was told they will note my complaint. By this time I was so upset and voiced that why would a restriction be placed on my account with no notifications and it was 9 months that I opened the account why restrict an account stating they needed to verify after 9months made no sense. I was told a passcode would be sent and then I was to call with the code to un restrict my account. The merchant had to wait fromXXXX till XX/XX/2018 16 days to get paid. My other issue with synchrony bank occurred on XX/XX/18 where I discovered that synchrony bank closed my Jcpenny account and my tjmaxx account. there was no reason to close my account I have been in good standing with both accounts. I have paid on a timely manner and have a XXXX balance owe. I had no warning. I found out via my XXXX XXXX app that sent me an email alerting me that my account was closed. I called jcpenny synchrony bank and I was told that the credit bureau closed my account by customer service. when I contacted XXXX I was told this is not true that the bureaus receive notice from the creditor notifying to close an account. synchrony bank lies. They also don't have physical address for formal complaint grievances. My credit report score has nothing to do with my good standing with my credit card and I feel I was treated unfairly.
Opened a Wells Fargo Everyday Checking account on XXXX XXXX, 2017. Account had a {$250.00} bonus as long as one of the two following conditions were fulfilled : Within 60 days of account opening, either make 10 purchases/payments with your Wells Fargo Debit Card or establish a qualifying Direct Deposit of an accumulated {$500.00} or more to the consumer checking account opened for this bonus offer. WF claims " We will deposit the bonus into your new checking account within 45 days after eligibility and qualifications have been met. '' I made a direct deposit on XX/XX/XXXX and completed 10 debit purchases on XX/XX/XXXX, which cleared by XX/XX/XXXX. It is XX/XX/XXXX, 100+ days after first completing the requirements, and I have not received the bonus. I have attached my opening email and a statement from XX/XX/XXXX.
There is something from XXXX on my credit report and I know nothing about any outstanding bill from XXXX.
I borrowed {$700.00} on XXXX from a company called North Cash and I knew that it would be an expensive loan if I did n't pay it off early. The representative even stated that if I were to pay the loan off early I would save significantly on finance charges. The finance charges that I am being charged are {$190.00} every two weeks. I called in early XXXX to get my pay off balance and was told at that point that the payoff amount would be over {$800.00} ( ca n't remember the exact amount ). I was confused because at this point I had already paid over {$900.00} towards the loan and I could n't understand why the balance was more that the amount I borrowed.I had a family emergency that came up around that time so I was n't in a head space to follow up on that conversation. I have paid {$190.00} every two weeks since XXXX and when I called to get the pay off balance on XXXX I was told that I would have to pay over {$900.00} to pay the loan off. When I asked how that was possible the representative told me that I still would be responsible the remaining interest on the loan and I just do n't understand! When I crunch the numbers what she told me is incorrect about owing the remaining interest because the amount would be much more, but I also do n't understand how she came up with the amount that she gave to me. I 've worked very hard to get my credit back up to the mid XXXX 's so I do n't want to do anything that will cause a blemish, but it just seems like this is n't legal what North Cash is doing.
I attempted to make the minimum payment to my credit card company. Somehow the payment was entered as the entire statement balance which I can not afford and will cause severe financial problems for my family. I contacted the credit card company immediately when I read the confirmation email to stop the payment. The representative was extremely rude and unhelpful saying that there is no way the website could have an error and there is no way for them to stop the payment. I called back later and spoke with someone more polite who said there is no way to stop the payment and it 's in the disclosure - the teeny tiny print that no one looks at. I honestly thought I clicked minimum payment and can not believe that they wo n't reverse the charge. I 'm current and was even paying a week ahead of time. I called my bank to stop payment on the American Express payment and they will for XXXX bucks but it could happen after Amex charges me and then I am stuck with the massive charge that will cause my car loan, electric bill, gas bill, other credit card payment, water bill, car insurance, etc to all find insufficient funds in my bank account and I 'll no doubt get a {$35.00} fee for each instance that I can not afford to pay. I am absolutely dumbfounded that Amex ca n't work with me when a mistake was made and the result will be a financial nightmare for XXXX of their customers.
i made 2 purchased from XXXX  each totaling XXXX.XXXX  charged my Amex card twice.My card showed charges of XXXX each and then one charge of XXXX which totals my original purchased.I contact both XXXX   and Amex and explained the issue.XXXX tells me that theres no hold and AMEX should fix the account issue.Amex refuses to address the issue and credit me the XXXX that has disappeared.I contacted them and they refused to help.
I have an acct with Equifax XXXX from the Illinois XXXX. I strongly disagree with the validity of this account. It is not showing on my XXXX or XXXX report.
I have sent Experian XXXX dispute letters. XXXX dated XXXX/XXXX/15, XXXX dated XXXX/XXXX/15, and XXXX dated XXXX/XXXX/15 and all I have received back was a letter from them stating that my request was " suspicious '' and them thinking that my letters are coming from a third party. My XXXX letter I sent I even attached my driver 's license and a current utility bill verifying my identity and to show that these letters are coming from me and I am disputing this on my own.
Third party contacted me after I asked them not to then other party under other name contacts me on separate accounts. I also have a solutions specialist incorporating on the matter.
I am currently unemployed as of  XXXX   XXXX ,  XXXX , and am working very hard to find employment, in fact I have several job interviews lined up for next week. I am a single mother of  XXXX  children,  XXXX  with   XXXX   XXXX   and we live in the lower of my duplex so that I have help with the mortgage payments.     I have my first mortgage wit h TCF Bank as well as a line of credit and 2nd mortgage. I have been working with the loss mitigation team with TCF t o refinance my first mortgage since last  XXXX  as this mortgage had a balloon payment due in  XXXX   XXXX .     I contacted a mortgage broker who put me in touch with a mortgage company,  XXXX   XXXX   XXXX , specifically  XXXX   XXXX .  XXXX   XXXX  has had previous experience dealing with TCF. At this time the automatic payments on my mortgages ceased, please note that previous to this point I NEVER missed a payment on any of the  three  mortgages for the years I had them.  XXXX   XXXX  contacted everyone she could at TCF and found that no one would accept my payments on the mortgages to make them current so that I could qualify for a new mortgage with her company.. I have emails from  XXXX   XXXX  as well as  XXXX   XXXX  at TCF.  XXXX   XXXX  was no longer able to help me at this point because she could never TCF to take my payments to make me current.     As of  XXXX  I began again with working with  TCF Loss Mitigation a nd  XXXX   XXXX . I sent all the information again including proof of payment in full of unpaid property taxes. I didnt hear from them at all until I received a call at the end of  XXXX . They were going to work with me until I told them I had lost my job. Also, at this time is when I was informed that I had never reaffirmed the first mortgage after my bankruptcy in  XXXX . I contacted the law firm that did my bankruptcy,  XXXX   XXXX   XXXX , and they said they never received the reaffirmation paperwork from  TCF. The attorney said that he would contact their attorney but hasnt heard from TCF. Why had t hey been accepting my monthly payments if I had not reaffirmed the original loan.     At this time, the beginning of  XXXX , I contacted  XXXX . I turned in all the paperwork and sent the paperwork to TCF.  XXXX   XXXX  from  TCF  loss mitigation admitted to receiving all the paperwork  XXXX  and I sent to TCF. Now I have received a foreclosure summons dated  XXXX   XXXX ,  XXXX . This is dual tracking. I need to be able to either refinance through  TCF  or be able to find another mortgage company. I do not want to lose my house.
I contacted XXXX XXXX on XX/XX/XXXX and spoke with XXXX in the payment solution department about a collection letter I received in the mail XX/XX/XXXX. The date on the collection letter is dated XX/XX/XXXX stating that I owe XXXX is the balance due in full now this account was placed for collection to Vital recovery services. I told XXXX that I am only 30 days late and I 'm sent to a collection agency for the full balance. Wow I dispute that balance cause on the site it is XXXX. So the collection agency added extra money and still adding according to the letter it might be more depending on when it is paid. XXXX from the payment solution department told me that all I have to do is pay the past due of XXXX plus late fees that might not been added yet to bring my account current then call them and they will buy back the loan I was also told that I need to make that payment to Vital Recovery Services. This makes absolutely no sense. I was also told that the balance was incorrect it should be what I stated above the XXXX so not trusting there so call collection someone have there communication crossed. I believe that XXXX XXXX XXXX is trying to extort more money. At this point I 'm asking for verification of this collection that was placed by XXXX XXXX. This is totally misleading and deceitful.
I was a victim of identity theft. Someone filed a tax return using my social security number. I went through the process of notifying and putting alerts on my credit reports. I then attempted to log into a previously established Experian account and was unable to due to the fact I could not validate an email address associated with my social security number. Not until I became an " paying '' member was I transferred to their fraud department and once there I had to answer multiply questions to validate my identity. Once my identify was established they provided me with the email address which I then told them was bogus. Someone had created an Experian account using my social security number and I 'm assuming they ran a credit report and were able to see all my information. The bogus account was established on XX/XX/XXXX. I attempted to file my tax return on XX/XX/XXXX and was informed by the IRS that a XX/XX/XXXX Tax Return had already been submitted and I 'm assuming paid out using my social security number. I was able to get Experian to put a lock on the bogus account.
For months now I have been trying to get this Chase account on my XXXX credit report to report correctly. However Chase and/or XXXX keeps updating the way it reports ( the Date of Status ) and this has dropped my credit score on XXXX  from XXXX to XXXX ( almost 100 points ). Please see attached uploads. Please see XXXX report dated XX/XX/XXXX with Date of Status on Chase as XX/XX/XXXX. Please also XXXX report dated XX/XX/XXXX with Date of Status on Chase as XX/XX/XXXX. Further, the Recent Balance on each report is {$11000.00} on XX/XX/XXXX and {$5400.00} on XX/XX/XXXX. This is a charged off account and XXXX/Chase are illegally updating this date ( and balances ) and causing my credit to be damaged, and this is keeping me from qualifying for home mortgage for my family. Please also see all the other attributes to this Chase account that are reported incorrectly. Basically each time I send a letter asking them to investigate, they update the information incorrectly. Please also see the screen shot I uploaded of my XXXX XXXX credit monitoring report dated XX/XX/XXXX which shows the inconsistent nature of the way this account is reported between each credit bureau.
Coinbase is a fraud. They state on their website withdrawal timeline for wires as 1 business day. Upon making the withdrawal, I have received the email stating that the wire might be delayed 3 business days. 
I made the withdrawal request on XXXX XXXX, 2017 and still have not received my funds. Their customer service is a disaster! The wait to have my call answered was over 1.5 hours and then the representative was not able to provide me with any answers.

The only thing I have found out is that they have delays up to 3 business days. 
Well, it has been 6 days and the funds are still not available. This brings the question of Coinbase 's  liquidity situation and how they handle this type of problems. I 'm only trying to withdraw {$1500.00}. Imagine trying to withdraw 1mln .... 
If my funds are not delivered shortly, I will be taking legal action. 
I 'm most definitely closing my account with them.
On XXXX XXXX, 2015 someone fraudulently opened a credit card account with Capital One in my name. The good news is that Capital One realized it was fraudulent and called me to confirm that I had not submitted the application before they sent out the cards, and they immediately closed the account. The bad news is they still have not removed the credit inquiries from my credit reports. The hard pull shows on both my XXXX and XXXX credit reports, and negatively impacts my credit score. Every time I call Capital One ( 4 times so far ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) they tell me " it 's in the process of being removed. '' It 's ridiculous that it has taking over 9 months to remove the inquiries from my credit report.
They are trying to force me to post date checks and use a debit cards on my account knowing that I do not have the money. They keep saying I am refusing to pay when I am not I said I am willing to pay with a money order or XXXX XXXX money with XXXXXXXXpayments before they refused the XXXX and wanted XXXX or higher. They hang up on me saying I am refusing to pay when I am not.
I pulled my credit report XX/XX/XXXX and saw that this collection agency XXXX XXXX was showing up as a collection and that I owe them a debt for {$990.00}. I sent them a certified letter with a return receipt to verify the debt with my signed signature. They sent me a letter back dated XX/XX/XXXX and it was great news that they had concluded its investigation of my dispute and are closing both accounts since I had 2 accounts with them and they are requesting that the three major credit agencies delete XXXX trade lines from these account on your credit reports. Shortly after that I got an update credit report showing they were both deleted but only off of 1 of the 3 XXXX, the other 2 Experian and XXXX only removed 1 and are still showing the other one. I sent them both a certified letter that I had received from the company again requesting that the second account be deleted also.They still have not removed it. I sent another certified letter again with no result so that's why I'm here. I got an alert that something new was on my credit report so I pulled my credit report today XX/XX/XXXX and my reports says a new collection has been added to my reports, again only on Experian and XXXX not XXXX so instead of deleting it they makes it appears to be a new account and my scores dropped by 49 points which is major and drastically. I am going to report this action to Attorney General and the XXXX XXXX XXXX today to see if can get this off of all my credit reports. This needs to be resolved immediately as this is majorly affecting my credit scores.
I made a ATM deposit on XXXX XXXX at the chase bank atm located on XXXX XXXX XXXX, XXXX Tx XXXX, ATM # XXXX. The ATM experienced a technical problem, and I was not able to see if my deposit was successful or not, and a receipt was printed to me with a number to call. 
I called the number and they filled a claim and asked me to wait 72 hours, after that, I was told that the claim was denied and there is nothing to do. 
I filled for a police report and with that, they made a second investigation but it was denied again. Since then, I am trying to get to my money to pay my rent, which is already pass the due date. 
I am now filling this complaint because there is nothing now my bank want to do to help me and I do not know anywhere else I can go. 
thanks for the comprehensionXXXX XXXX XXXX XXXX XXXXPHONE NUMBER XXXX : XXXXXXXXXXXX have attached my DL Id, the ATM receipt, the police report and the email I have received from chanse bank
for a few months now I have been attempting to access my credit reports and dispute a false charge but I am not able to access my report to dispute items because Experian and XXXX  are denying me a dispute claiming I already disputed and no longer have rights to a dispute. Experian never responded to my complain so I attempted a new one and now I am being denied. 

Also, XXXX is denying me a dispute and they sent me an error which I have attached. I can not be in collection because I do not owe XXXX anything, the account holders at XXXX XXXX are harassing me and are abusive in their calls and communication and I have let the bureaus know this and they dont seem to care. I asked the bureaus to delete this and stop tarnishing my credit report and they dont respond and are shutting me down.
Transunion does not report my payments AGAIN!!! 
Last payment the TU reported on the credit report ( see attached ), =was XXXX/XXXX/XXXX. 
The Transunion reports incorrect balance, the correct balance is {$360000.00}. But TU reports that my balance is {$360000.00}! 

This happened repeatedly since XXXX. 
I was successfully disachrged from BK CH XXXX on XXXX XXXX. 
On XXXX XXXX I started to work on my credit reports, and I noticed TU does not reflect accurately and fairly my mortgage payments on the reports. 
( attached reports from XXXX ) In XXXX XXXX, I filed official complaint with Attorney General for District of Columbia, who helped me to deal with TU. Only Transunion does it. The TU repeatedly does stops to report my payment for mortgage what I do monthly! -- andit happened in XXXX XXXX, XXXX XXXX, in XXXX and XXXX. 

I attach supporting documents in evidence of their unjust and unfair treatment and harassing me. 
Please help
XXXX / XXXX /   17  - I calle d Pentagon FCU to en sure our  XXXX  payment had been made as my husband had passed away on  XXXX / XXXX / 17 . The mortgage was only in his name. I paid the mortgage and was asked if I would like to be contacted in regard to my options for the mortgage going forward. I said yes. From this call all my joint accounts were frozen.      XXXX / XXXX / 17  -  I  hand carried the paperwork and death certificate to the main branch of  PenFed  in  XXXX  VA. It was to be faxed to the estate department o f PenFed.       XXXX  - I called as I have not received any information regarding the mortgage, I do not have access to the information regarding the mortgage, and I have to call each month to make a payment and I have to remember to place the call. I was told that it was necessary to provide a death certificate - told them that had been done a month prior and that it was hand carried to them. I was told that someone would contact me - still no resolution or correspondence from  PenFed regar ding the issue.
This account was previously owned by another debt collector, which whom I was originally paying {$100.00} to per month. I contacted that creditor to make a payment only to be told that the account was transferred but they had no knowledge as to whom the account was transferred to. I have never been contacted by MCCARTHY, BURGESS AND WOLFFE, therefore I was never properly notified until this account appeared on my credit.