WillisBack/dataset-financial-user-claim huggingface dataset:
Chase had my Mortgage loan I got behind on my loan JP Morgan started foreclosure proceedings at the same time I also received papers stating I had a new servicer. I began working a modification with the new servicer while I was doing that Chase was still moving forward with the foreclosure I contacted Chase again they claimed they were not moving forward with the foreclosure yet all the legal papers clearly state JP MORGAN CHASE. I contacted the new servicer asked them they inquired whose name was on the legal documents and said that it was not them it was whomever was on the legal papers. I have letters from JP Morgan Chase stating they withdrew the foreclosure I have letters stating that they have no interest in my home yet they still move forward with the foreclosure So I dont even know who I am supposed to be working out the modification with because as I do Chase is still foreclosing I missed conferences because they told me to disregard any notices i received with JP Morgan Chase on them because they were not moving forward with anything. I HAVE TO APPEAR ON XX/XX/XXXX 2017 AGAIN TO STOP THE SALE OF MY HOME THIS HAS BEEN A NIGHTMARE AND CHASE THE ATTORNEYS COULD CARE LESS
Our house was hit by a flood back in XXXX 2017, and we are located in the 100-year flood plain. The City of XXXX Code Enforcement ruled that our property was over 57 % damaged and could no longer be rebuilt. Because the City of XXXX ruled that no construction could take place at the property, we are unable to obtain any permits to legally build at the property or renovate. Our flood insurance kicked-in and wrote a check for {$100000.00} to Chase Bank for the damages. The principal amount that we still owe on the house is {$120000.00}. Chase received this check on Thursday, XXXX XXXX. We then requested that Chase apply this check towards the principal amount on the property, and that we would continue making payments until the balance was paid off. By applying this amount towards the principal, it would lower our payments and allow us to purchase another home we could live in, or possibly rent. On Thursday, XXXX XXXX, we were told that the payment towards principal had been approved. Today, on XXXX XXXX, we called into Chase to obtain the status of the payment, and we were met with very rude representatives who refused to help. They refused to apply the payment towards the mortgage and refused to provide us with any any explanation or direction on how we could use the money. My Mom, who had been dealing with the situation before I got home from work, was crying on the phone while the employees laughed. ( I heard this because she was on speakerphone at the time ) Collectively, we were transferred around to more than 11 employees over the more than 9 hours we spent on the phone with them this afternoon. As of today, XXXX XXXX, Chase is effectively withholding over {$100000.00} that could be applied to our principal to help us pay off the mortgage in a non-interest bearing account.
I had asked Equifax to investigate a few questionable items on my credit report. They sent back a report with something new on it that absolutely is incorrect and not mine.
I fell behind on my payments t o Capital one and  my card became restricted. On  XXXX   XXXX  I contacted their online customer service and entered an agreement with them that if I mad e 3 payments on time, and got the balance below my credit limit my card would become unrestricted. I met my obligations with 3 on t ime payment in  XXXX ,  XXXX , and  XXXX  and I actually paid my balance down by half.     Unfortunately, my card is still restricted. I contacted  Capital One to  ask them who and they are now claiming that our agreement did n't begin until  XXXX   XXXX  so I have to make  one m ore payment. When I informed them that was not the agreement and asked for a copy of the transcriptions from  XXXX , they stated they are n't able to access those. To which I asked .. '' So you can enter agreements with customers but not keep a copy of the agreement? ''. When speaking to multiple managers about the situation, they all say they have no control over the account becoming unrestricted that it is purely a " computer thing ''. I asked again there is not a single person in your company who can override and incorrect date, and again the answer was no.     So here I am having met and exceeded my end of the contract an d Capital One  has not upheld their end stating that the agreement was n't valid until  XXXX . I am frustrated that there is no accountablity for them not following through on their actions and the fact that all the supervisors say there is absolutely NO way to help me.
I paid my outstanding balance in full as of XX/XX/18 and contacted Rise XX/XX/XXXX after viewing my credit report. The XXXX report indicated I owed the company {$850.00} and had not been reported for over five consecutive months. I submitted a dispute to the company via their complaint process and was assured the balance would be updated and reported as satisfied by XX/XX/XXXX. I also submitted a dispute via XXXX. On XX/XX/XXXX I received notice from XXXX the dispute was complete and reviewed my credit report. The update submitted by Rise indicates I now owe {$360.00} which is also inaccurate as the balance has been completely satisfied. I contacted Rise on XX/XX/XXXX and was told I would have to resubmit a dispute as re-submission is their sole escalation process. I made very clear my dissatisfaction with their service and told them I would not resubmit a claim to a process that is clearly broken based on their prior actions. I further informed them that their lack of due diligence failed to make me whole and they were in clear violation of FCRA. I also made clear my next course of action would be to file a complaint via the CFPB.
I applied and received a loan from Avant on XX/XX/2015 for the principal amount of {$9000.00}. 

During the course of the loan, I failed to make payments for nearly a year. Afterwards, I brought the account current, and have kept the loan current for the past 14 months. I have paid all additional interest, late fees and other charges as outlined in the agreement.

for the past 8 months I have been requesting an updated amortization table that outlines the additional interest I will be paying due to my late payments, the total cost of the loan and the last payment date.

Initially, Avant responded with an " updated '' schedule. After review I found it to be incorrect, and it was blatantly obvious they filled in random amounts. I responded asking them to fix it - to which they replied, some time later, with the same table, which was still incorrect. 

More time went by and a new representative provided me with a new table, but it was still incorrect! As 3 or so months had gone by at this point I demanded to be provided with the information of my loan in its current status. For all I know, they are charging me unlawful interest, penalties, etc that I would never know about! After reviewing payments in their online system, the payments over the last 14 months or so have been 100 % interest, and not a penny has gone to principal. How am I supposed to know where my payments are going if they can't provide this information? 

Finally, another 3 months had passed without any contact from them, despite me emailing constantly asking for a resolution. Yesterday, they responded saying that they are unable to provide this information to me - how can that be legal?!? 

I am attaching all emails, and documents they have provided me.
I settled my credit card account with XXXX and after I paid as per my agreement they sold the debt to Midland, I told Midland I settled with XXXX and Midland then filed a collection lawsuit against me.
hello I am having problems paying my bills after stepping down from being a XXXX back in XXXX of 2015 and have repeatedly told Navient ( which is a new name for XXXX XXXX ) this and even sent them pay stubs and bank statements I also pay child support XXXX a month and bring home XXXX a week I can not pay my bills on time with that I am struggling to make ends meet with that last month ( XXXX 2015 sent all my documents over to them they want me to pay XXXX a month for 15 months fine and dandy but I can not lose a pay check a month I want to repay these loans but I am not even to pay due to the amount and what I pay out a month pretty I am not physically able to pay anything and am afraid it I start paying I will lose my place of residence. I have been going back and forth with them for months now I have found the CFPB and I have a few days left to make a XXXX payment that I can not physically afford to do.. I need help bad I can pay XXXX easier I have told them this and they will not take into consideration that I have lowered my pay since XXXX of 2015 from XXXX to XXXX and hour please help me..
I authorized a payment over the phone of {$250.00} with a rep from Wells Fargo for a private student loan. I was charged {$350.00}. I called and they said they would listen to the recording and credit back the difference. They did not credit this amount back. I recorded the original phone call as well as the phone call stating it should be credited. I went to school at University XXXX online.
I disputed the information that Macys is reporting on my credit file, they have that I made payments to them up to though the XX/XX/XXXX year. I stop making payment to them on XXXX XXXX, XXXX because I was not working for a number of years. I contacted Macys and it was stated to me that the account had reached its statue of limitation therefore it was deemed uncollectable. I disputed the information to macys prior to my conversation with them and never heard back. I sent the same statements to the credit bureaus and mays did not change the reporting, I attempted several times. My final payments is XXXX XXXX, XXXX therefore the account should have been considered delinquent as of XXXX XXXX therefore my seven year reporting period should end in XXXX XXXX. XXXX have my seven year reporting period ending in XXXX of XXXX. I have the supporting documents for this. Also keeping in mind this is an individual account and no one else had authority over this account.
I was XXXX a new CapitolOne Debit XXXX. It came right thru my mail slot. I called CapitolOne, spent hours being routed to various departments and on hold, trying to get them to turn off the card. They were less than helpful. They would not tell me how the card came to be. My XXXX credit reports are locked, as is my checking profile, so no new cards should ever be issued on my account.
I paid the debt the telephone is XXXX and the number for confirmations the paid is XXXX
City bank / XXXX. From XXXX XXXX has been charged without any paper trail. XXXX they charged XXXX in interest. From XXXX till this day there has been 23 charges added to the account without any reason or paper work. I have a print out from XXXX of all purchases that I have made and a complete copy of all the statements from citi bank along with a CPA accounting and reconciliation of the two. I have been charged for things I do not have or bought via the card then charge interest of 50 % on them all of this I shall send you.
I signed up for the new Chase Sapphire Reserved credit card with the sole purpose of utilizing their promotions. One of the promotions offered is : Receive up to {$300.00} in statement credits annually as reimbursement for travel purchases such as airfare and hotels charged to your card. My girlfriend booked a hotel on XX/XX/2016 using my card on XXXX without first talking to me for the amount of {$490.00}. The {$300.00} travel credit from Chase was applied automatically on XX/XX/2016. I did not agree with the booking and had the hotel booking refunded. I was refunded the {$490.00} on XX/XX/2016. I have been planning to book a new reservation that we could both agree on. I have been informed by a Chase credit card manager that the {$300.00} travel credit was a one time deal for the prior purchase of {$490.00} from XXXX. Chase is refusing to give me the {$300.00} travel credit towards anymore purchases for XX/XX/2016. This feels like a bait and switch situation. I was unable to use the {$300.00} travel credit from Chase because of a reimbursed hotel booking. I am sure I am not the only Chase customer who has found out the hard way that the {$300.00} travel credit is unavailable after changing their hotel or other travel plans. I have read the Chase Sapphire Reserve credit card offer details listed on their site. The offer details on the Chase Sapphire Reserve credit card does not mention anything about losing the {$300.00} travel credit if a customer has to change their booking. This is a bait and switch scheme Chase Credit Card is pulling on me. The whole situation is causing me economic stress and may cause a breakup with my girlfriend.
RE : Complaint # XXXX XX/XX/2017 D.O.C. 
XXXX XXXX XXXX XXXX in my previous complaint I did not adequately explain my complaint. 
I believe the 15 or so inquires in question was not counted as 1 deduction from my Credit report as it should be, because it was for the same type of purchase with in the 14 day window as allowed by law. I believe they were counted as individual inquiries, deducting points as such. please investigate and send me an updated Report. 

Thank you, XXXX XXXX
I am writing a c omplaint regarding how AmeriHome Mortgage has been handling my escrow account. I can not    get a straight answer if they HAVE or HAVE NOT paid my property taxes. I have made numerous attempts to get this resolved, now I am behind on my property taxes and I do n't know whether I am current or not. AmeriHome Mortgage advised me I am current and i 'll get a check back, however the city and county says otherwise.
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Please I need your help.
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Date : 2016 Amount : tax owed {$5600  .00}
On XXXX-XXXX-14, when I was only XXXX, an account was opened with XXXX XXXX. The account was sent in to PINNACLE LLC C/O RESURGENT CAPITAL SERVICES for collection for an amount of {$380.00}. At this time I was not even of legal age and nevertheless had no idea of how to apply for credit of any kind. I am positive that I did not open this account. I did not even have a cell phone at the time. I have tried to contact the company but I can not get in touch with anyone who can help me.
Over the last six ( 6 ) months, since XXXX XXXX till today, I have been unable to get my free Annual Credit Report from the Experian Credit Reporting Agency online from the government authorized website : XXXX even after numerous attempts on several different occasions including today. I always keep getting the same message from Experian as folows : " A condition exists that prevents Experian from being able to accept your request at this time. '' My last free Annual Credit Report from Experian is dated XXXX XXXX, XXXX, over three ( 3 ) years ago, which I had no problem getting online from the said website. 

Please instruct Experian to allow me to get my free Annual Credit Report from Experian online through XXXX at the earliest, and let me know. I had no problem getting the same from XXXX and XXXX. Thanks, please do help and let me know.
On XXXX XXXX, USAA Federal Savings Bank notified us of suspicious login activity on one of our accounts. Someone had changed my password and PIN. As a result, they froze our accounts and denied us access to even see our balances. They said it would be two business days before the issue was resolved. After two days, they let us in to see our accounts, and we saw that someone had transferred money from savings to checking, and had committed XXXX unauthorized withdrawals. When we notified USAA, they told us they were going to keep our accounts frozen for another week while they investigated. Since then, we have had no access to either of our checking accounts or to our savings account, and every time we talk to USAA we get told they need " two more business days '' to investigate. We have been living off our credit cards for 14 days now as a result, and no one from USAA will call us back. 
In addition to the $ XXXX+ stolen by the criminals, we are now having multiple payments declined because of our frozen accounts, and are beginning to rack up penalties from creditors. We received a shut-off notice from our electric company yesterday afternoon. USAA 's inaction and refusal to communicate is beginning to cause damage to us financially.
In  XXXX   XXXX , I saw an online offer fro m Citibank th at stated that if I open a savings account and deposit {$25000.00} before  XXXX / XXXX / XXXX  and maintain the deposit until  XXXX / XXXX / XXXX , I will receive a bonus of {$300.00} ( see attachment ).     I signed up for the above mentioned savings account and transferred {$25000.00} into the account on  XXXX / XXXX / XXXX  (    XXXX   statement in attachment ).      I maintained the {$25000.00} deposit beyond the  XXXX / XXXX / XXXX  deadline ( see other statements in attachment ). However, I never received {$300.00} bonus.     I followed up wit h Citibank vi a phone on  XXXX / XXXX / XXXX . In response they s ent me a letter ( da ted  XXXX / XXXX / XXXX  ; see attachment ) implying that this bonus is only for people who it was addressed to and so I do not qualify. However, like I mentioned above, this was a publicly available offer.     On  XXXX / XXXX / XXXX , I replied to the above letter from  Citibank stating that I do qualify for this bonus, since this was publicly available and that I have met all the requirements. I have not heard back from Citibank so   far.
I was not given the correct interest I would be charged and this was from XXXX. I'm just now hearing of this matter and it is now XX/XX/XXXX.
In   XXXX  , my wife had   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and was not able to work. I could not make my mortgage payment on time to  Wells Fargo Home Mortgage. We submit paper work for a Loan Modification and th e bank did not approved it. Later on I visited a lawy er (   XXXX   XXXX   XXXX   XXXX   ), a nd the file bankruptcy for me, and they talked to the bank as well, and provide documentation again but the bank denied t he Loan Modification.    Now, my apartment is in foreclosure and they want also to do a short sale on the property also. I negotia ted with Wells Fargo agai n on  XXXX  for a modification and they dined it. The interest in the property is around 7 % which is not the interest on the market right now I want to keep my apartment, and I feel I am not well represented, and the bank it is not giving or helping on my situation.     Thank you
I was attempting to make a purchase for a pair of concert tickets totaling {$340.00} dollars on XX/XX/2018 via XXXX. The seller then says he can transfer the tickets from his XXXX account to mine and I can pay him with XXXX/online banking. I explained to him I never used it and when the seller mentioned it was a service through my own bank, I felt comfortable sending the money thinking my bank would help me out in case something goes wrong. I completed the transaction and sent the money out. Once that was done the seller texts me telling me that they will send the tickets ASAP but nothing was ever received. I tried calling, text messaging over and over but no reply, no answer. I immediately called my bank ( USAA ) in attempt to dispute it and report fraud/scam but they couldn't help me. They said they would look into it and get back to me in 5 business days or so. Based on my research, I looked up this seller and found out that these guys have been doing it all around my neighboring cities. Same post, same description with all the same information scamming all kinds of folks. It wasn't until I researched this seller up the next day to find out other people have already been scammed by this same seller. I an addition to that, never knew that there is no protection by USAA or XXXX on this type of transaction and I find that completely unfair. They fail to disclose that this service is only to be used among family. I really need your help to recover my money as this is FRAUD all across the board and feel like I have no support. Hope I get help in this matter and recover my money.
Capital One sent a letter XX/XX/XXXX stating due to lack of use card ending # XXXX will be closed if card holder does not contact office immediately. I called them at the beginning of XX/XX/XXXX and got a credit increase to {$3000.00}. It was mentioned during the phone conversation that I must use the card before the end of XX/XX/XXXX that month. I did not use the card until XX/XX/XXXX, and by then the account was closed. I believe Capital One charged me the annual fee and subsequent late fee after closing my account.
I disputed the validity of the bankruptcy information being on my credit reports with TXXXX, Equifax and XXXX. The dispute is how can they officially put the bankruptcy information on my credit report if they did not or their third party vendor properly verify the information directly with the court. I contacted the bankruptcy court and received documentation from them dated XXXX XXXX indicating that they do not report or verify bankruptcy information with the credit reporting companies. On XX/XX/2018, I submitted this documentation to all three of the credit reporting agencies as well as dispute letters and asked that the bankruptcy information be removed from my credit reports because it was not properly validated with the bankruptcy court. All three of the credit reporting agencies responded that the information was " Verified ''. I even spoke to a XXXX representative on Tuesday XX/XX/2018 because I checked my credit score on that day and it had dropped 100 points. My credit score had been increasing over the past several months and my credit behavior has not changed so the 100 points decrease to me seemed directly attributed to my dispute. I also requested that the name of the third party vendor that they indicated verified the information with the court but I was told they could not release the information. Today XX/XX/2018 I received a letter from Equifax saying that per my request, they have put a fraud alert on my credit file which will last for 90 days and they will also make the other credit reporting agencies aware of this. I did not request that they put a fraud alert on my credit file but I did dispute the validity of the bankruptcy information. As a result of this fraud alert being put on my credit file without my request or permission, it will slow down my ability to get credit. I wrote a letter to Equifax and submitted it on-line asking that the fraud alert be removed immediately as I did not ask for it or give them permission to put it on my credit file. I also ask they communicate with the other credit reporting agencies to remove it.
Chexsystems is reporting that I owe money to XXXX, however I do not. I have proof that it was paid XXXX from XXXX XXXX and i have repeatedly sent this evidence to Chexsystems. Every time I go to open a new bank account I am told I can not open an account. I have sent Chexsystems evidence from XXXX that there is not a debt yet they ( Chexsystems XXXX refuses to remove the item blackballing me from opening an account.