WillisBack/dataset-financial-user-claim huggingface dataset:
I have 5 private student loans with XXXX that became active this year. I am an active student working on my masters. I was notified by XXXX this year that 5 of my loans with them have become active for payment. I started a payment plan with XXXX on XX/XX/XXXX. They electronically withdraw their payment each month from my XXXX bank account on or around the XXXX of each month. XXXX is reporting 60, 90, 120 day lates on my credit report for months they have collected their payment. Here are the dates : Credit report shows 60 day late XX/XX/XXXXwhen {$100.00} payment was made over the phone to stop harassing calls. Credit report shows 90 day late on XX/XX/XXXXwhen {$220.00} telephone payment was made on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX. I also show 90 and 120 day lates on my credit report in the year XXXX when I was an active student at that time and all of my student loans were DEFERRED. Here are those late dates : 90 day late for XXXX, 120 day late for XXXX, 120 day late for XXXX. I have tried calling numerous times and I have been unsuccessful in resolving this urgent issue. I have disputed these late payments with the credit bureaus and each time XXXX responds with no changes made. I have sent written request via registered mail to XXXX asking for this payment history to be corrected, and again they have not responded. I have emailed their complaint department and again, no response from XXXX. I have depleted all of my options and I am very frustrated. XXXX is hurting my credit and scores tremendously when they are collecting their timely payment each time. How can I possibly be late when they collect their money each month? I have proof of payment by providing a Bank statement for each month they claim the payment is late.
After receiving a call for the first time, was told they called me XXXX times however never sent me anything by mail so it was the first time I was hearing no messages on voicemail nothing. I was asked for my banking info to pay the debt, I refused and asked for documentation of this debt to make a settlement or payment arrangement. I was told I would receive it that day two weeks went by and nothing. Today I received another call the caller was intimidating and threatening to take action and judgement against me and he could n't send me anything because the law did not allow. I know this to not be true as I have settled a few account with collection agencies. I demanded to speak to a manager who then told me he could email me something pertaining to arrangements I would like to make to pay this debt off, but as soon as I received it there is no letterhead, no signature name. This just seems really odd and suspicious to me.
Mortgage initially serviced by XXXX XXXX XXXX XXXX  ( XXXX ), sold to Freedom Mortgage effective XX/XX/XXXX. Property taxes were overpaid for both XX/XX/XXXX and XX/XX/XXXX.That issue was resolved withXX/XX/XXXX FL Tax Assessor and refunds were sent to both mortgage services, as they were the parties that paid the taxes on our behalf. Beginning on XX/XX/XXXX, I sent messages to XXXX inquiring about the refund and asking them to refund our escrow overage, as they still escrowed for the higher tax amount. After many calls and truly hours in their queues, they FINALLY resolved that portion via letter and refund datedXX/XX/XXXX, received by USPSXX/XX/XXXXfor {$6000.00} -- covering the XXXX  overpayment and escrow overage. I am still waiting fro the {$3700.00} overpayment fromXX/XX/XXXX, which was sent to XXXX XXXX  dutifully overnighted a check to Freedom Mortgage on XX/XX/XXXX via XXXX, and the tracking numbers shows it was signed for by XXXX XXXX at Freedom Mortgage onXX/XX/XXXX at XXXX They have yet to credit my account, and after multiple additional calls report they are not able to directly contact XXXX. They are now telling me I must get a copy of the front and back of the check from XXXX  and send it to them as proof that they have my refunded tax overpayment. I'm really fed up with Freedom Mortgage, their inability to track my account, their indifference to the problem and their perhaps intentional (? ) willingness to hold on to nearly {$10000.00} that doesn't belong to them for far longer than they should.
On XX/XX/XXXX my ex-wife contacted CitiBank and requested another CitiBank card be issued to her under my account in her name. I am the primary card holder and I was never notified of another card on my account being issued to her. In XX/XX/XXXX after we mutually agreed to a divorce the ex-wife starting using the credit card on several purchases I would have never purchased or had purchased in the past. I was notified by an acquaintance that the ex-wife was using a credit card to purchase several items at places I would never go to. I called all the companies I have credit cards with, to include Citibank. I asked each company to include Citibank if there had been any purchases, activity or information changes on my credit cards. I called each company in the early part of XX/XX/XXXX and XX/XX/XXXX. Citibank informed me that no activity, no additional cards where issued or information had been changed on my credit credit card account. In early XX/XX/XXXX a representative from Citibank called me to ask when I would be sending a payment and my payment was past due. I said I have never been late with a payment which the Citibank representative agree with. I then ask where they had sent the credit card statement to and they advised me of a new and different address. I asked the representative why they had sent the statement to a new and different address, they advised it had been changed. I then changed the address back to the old address which the statement had been sent to for the past 18 years. Upon further inquiry I was informed that a large balance {$11000.00} had been incurred on the card at places I had never been to or used a credit card at in the past. I was also informed that information had been changed on the account. The mailing address was changed and the card obtained in a fraudulent manner by using my information along that I had agreed to her having the card. When I ask them for the proof or the phone recording the representative at Citibank told me that I was not entitled to that information and they would not release any information concerning how she obtained the card. The representative then transferred me to the Fraud Department and I spoke with several representatives to explain the situation. They informed me that a Fraud Investigator would  be calling me back. One of Citibanks Fraud Investigators Mr. XXXX XXXX called me back and left a message on my phone ( I have the voice mail message saved ) informing me that another department would take care of the problem. The phone # that he left was XXXX. I called this number and they gave me another # to call XXXX and I called them, they advise me that they would investigate the situation and get back with me. They called me and said they had no records of any of these transactions and I needed to pay the credit card in full. They closed the original act # XXXX where the fraudulent transactions occurred. 

This person is not a joint card holder or on the account holder or related to this account in any manner ... However this complaint form makes you choose one or the other ... either are applicable
I was a former Scottrade Bank customer ( I closed my account after what I consider to be a complete failure of Bank responsibilities when Scottrade announced that over XXXX XXXX customers had their very personal information breached ), see here : XXXXI closed my account because Scottrade refused to answer my questions about the data breach and had a generally unhelpful and unconcerned attitude towards the situation. Considering I 've been a victim of identity theft before, I am very concerned. 

Late week, I found that others are having identity theft problems as a result of the databreach and if you review XXXX and a google search for " XXXX Scottrade '' you will see that in as early as 2013, Scottrade was warned about security flaws but apparently did nothing. This is most concerning, in one of the FOIA requests obtainable by searching " XXXX " Scottrade '', Scottrade admits to being in receipt to a tip that detailed the exact flaws within Scottrade 's database system. 

Bottom line is, I am unhappy with Scottrade service and upon discovery that Scottrade failed to investigate warnings of failed security, I will be pursuing action against Scottrade. In this, I kindly request Scottrade provide me with a copy of the arbitration agreement.
In XX/XX/XXXX I received an offer from American Express and Delta that if I obtained the gold delta skymiles credit card and use XXXX dollars in the first three months I would receive XXXX miles. I got the card on XX/XX/XXXX and started to use it. By XX/XX/XXXX I had completed the XXXX dollars. I called soon after as I had not gotten the miles and they explained that it would take 6-8 weeks. After 8 weeks I called and they said it was going to be 10 weeks ( the maximum in the contract I got with the credit card ). Last time I called was XXXX of XXXX ( 10 weeks after ) and they said the would open an investigation and to call delta. So I called delta and they said basically to talk to AMEX. It is now XXXX  XXXX and I have not yet been contacted or received the miles. I chatted with the people in AMEX and they said the investigation is open. 

I got this credit card because I'm traveling for my XXXX XXXX XXXX and needed the XXXX miles. My trip is in 3 week and now the tickets are extremely expensive and will leave me with little money. The company has breached contract and will offer no type of compensation.
After checking my Credit report there is a question about XXXX ( credit Card ) application that I did not apply for.
I have been experiencing great difficulty paying my mortgage due to JP Chase Home Finance Mortgage increasing my loan amount and increasing my mortgage payments. I am unable to refinance, sell the home and do anything. I am also having a very hard time paying the mortgage I pay the mortgage to not mess my credit up. Unfortunately I may be loosing my job very soon and I want to clear this matter up now before I go into foreclosure. I reached out to JP Chase Home Mortgage to come up with a resolution and Chase only offered me another Loan modification. At this point I believe its pointless to obtain a new Loan Modification especially since, the previous one put me in a hole. Note : I do n't mind if CFPB publishes this issue however please refrain from publishing my loan account information, loan number, address, name, social security numbers, basically anything personal pertaining to me and my home.
RE : XXXX XXXX Business Master Card not returning my money A few days prior to XX/XX/XXXX, I notified the credit card company that I had incorrectly made payment of {$10000.00} to my closed business account. Unfortunately, I was not able to stop payment with my financial institution. I had provided the information needed to locate this account and was told that the money was not yet received. I also requested that monies to be applied to my personal XXXX XXXX XXXX XXXX, which is where it was intended but was told no. I also updated my address. After no notification by phone or mail, I contacted the company again around XX/XX/XXXX and again on XX/XX/XXXX, was told they received the money and it would take 7-10 business days. It was during the first week of XXXX, when I contacted the company again, was told that the check was sent out on XX/XX/XXXX and told 7-10 business days I would receive the check. On XX/XX/XXXX, I called again and was told the same thing. At this time, I requested interest ( compensation ) in addition to my refund of my overpayment. On XX/XX/XXXX, I asked to speak with a supervisor who gathered information to share with management. Complaint shared again as in prior conversations. Supervisor told me she would be out of the office until XX/XX/XXXX. I called on XX/XX/XXXX, unable to leave a voicemail but left a message for the supervisor that I had called. On XX/XX/XXXX, was told that the supervisor was aware and will callback. On XX/XX/XXXX, I receive a voicemail from the supervisor that a check is in the mail sent on XX/XX/XXXX via regular mail and not XXXX XXXX as I had requested. On XX/XX/XXXX, I called and left message to let the supervisor know I have not received the check. On XX/XX/XXXX, the supervisor calls and I update her that I have not received either checks. Was told that the first check was not cashed, so the company stopped the check. The second check was sent on XX/XX/XXXX or XX/XX/XXXX. I was provided with the company 's address and fax number to send a written statement. Reiterated return my money plus compensation. XX/XX/XXXX I called, reinforced no checks received, offered suggestion and requested repayment with compensation. XX/XX/XXXX I called again, told that the supervisor is another call. Same information provided. Was told supervisor to call, no calls received. Faxed written letter twice to the company. On XX/XX/XXXX, mailed letter to the company. XX/XX/XXXX received a call from the supervisor. Repeated same conversation as prior. No mention of any fax received, and no further resolution offered. XX/XX/XXXX - Filed complaint with CFPB for assistance with resolution
I cosigned on my sisters loan for college. Aes told me twice in the last two years after a certain amount of consecutive payments I can be released. When I asked to be released they are now saying that the terms of the loan do n't have an option for me to be removed. I asked for the contract to be sent to me. I am very upset that I was mislead mire than once. I could have been working on other ways to be removed from the loan. I am thinking of hiring a lawyer. Any advice would be helpful. Thanks
I recently submitted a complaint against Ally Bank and this complaint has a lot to do with the first XXXX. 

In my previous complaint, I mentioned a conversation with a customer service representative named XXXX. Before that conversation with XXXX ended, I asked her if she could tell me the principle amount that was left on my auto loan. She could not find that information and transferred me to a customer service agent that could. Her name was XXXX and she refused to tell me what that principle amount that was left was! I explained to XXXX that it 's a simple interest loan which means that there is a finance charge that is tacked onto the principle amount. She said that the principle amount was {$14000.00}. I said that was the total amount left on the loan and again asked her what the principle amount was. She said that the {$14000.00} was the outstanding balance on the account as well. She would not answer my question and that was also very concerning for me. Ally wo n't tell me what the principle amount is, because if I pay that amount off first, they will lose out on the interest amount! XXXX said she would mail a letter explaining the loan ... it should be available on my online account but currently is not! 
I called Ally back, XXXX XXXX, 2016, at XXXX XXXX time XXXX I spoke to a representative by the name of XXXX. I asked him the same question regarding the principle amount remaining on my loan. He did n't have the answer and put me on hold and said that he would transfer me to someone who could answer that question. I was on hold for about 10 minutes before Ally disconnected the phone call. It appears that they do n't want me to know the principle amount owed because it is less than the {$14000.00} outstanding balance. And with a simple interest loan, if I pay the principle off first, Ally loses out on the interest. I know that there is a 6.74 % interest rate included in that outstanding balance. 
At that point, I was frustrated with Ally because here I am trying to work with them and it appears that they are trying to pull a fast XXXX on me. 
I need your help in resolving this issue. Ally was already found guilty of charging higher interest rates on minorities- which I happen to be- who applied for an auto loan and this is headed directly down that path. A simple breakdown on my loan is all that I 'm asking for. How much of the {$14000.00} is the principle amount? It can not be the principle and outstanding balance. The finance company for the last vehicle I bought, broke the loan down completely. The amount of the car, the interest rate, and the total dollar amount of the interest over the XXXX period. Surely Ally Bank can do this! Would you please assist me in finding out why Ally CAN NOT or WILL NOT provide me this information?
I opened an account with Regions Bank XX/XX/XXXX, after taking my time considering what bank to bank with. Regions was offering a new account incentive. So I went ahead and choose to open an account online. As I was opening this account I was also chatting with a Regions representative, that was very helpful. During this process I advised the chat rep that it was not giving me an email verification that he stated would to get the offer. I was being taken to another tab and the window wasn't opening. I screen shot this and printed it. He then advised me to not to worry, that I would have to go into the Branch to finish the new account to print the convo and explain, the branch would be better to help assist. So I did this, I also had to go thru 3 days of verification for them to approve me new account, I honestly found this frustrating. Upon completing this I gave the convo to the bank rep and explained what happen, she advised she would send this over to the lady who is verifying my account and speak with branch manager and let me know. I have been doing this since XX/XX/XXXX. The rep who helped with me at the Branch is named XXXX, XXXX branch in XXXX XXXX, Fl. I asked for info and update on the promo she asked me if is did steps I stated yes and she never responded back to me. I stepped into the Branch last week and was advised to call the XXXX #, I did. I was advised by two people that I have met all the verifications and steps needed and transferred me to a department to see where this promo was and when should I receive it. I then spoke to XXXX, very nice person. She saw everything to but was unable to see the verification code, I explained to her what happen, she advised this should be simple and she would reach out to the branch and for me to follow up. I followed up XX/XX/XXXX and spoke with a gentleman and explained to him everything and he read notes to then tell me verification code could not be verified so unable to process due to marketing. I said are you kidding me, went on to explain I have been dealing with this since XX/XX/XXXX and I did everything I was told to come to this. I even said at the Branch to XXXX if there is going to be a problem do not finish the new account, start over so I don't miss out on the promo, for her to say no its fine there should be no issue. Now the issue I miss out on an offer because no one took the time to make sure I wouldn't. I then went on to why offer something that Regions is not going to own up to, was there even a promo. He stated I presented something from last XX/XX/XXXX and he see where I also couldn't get the verification code for the new offer XX/XX/XXXX. I said that rights, XX/XX/XXXXwas expired since XX/XX/XXXX, cant use that. XX/XX/XXXX is good till XX/XX/XXXX, please fix this, and he couldn't. So I am disappointed that I have gone this long and no one can help. I met all the points to get this and was open about the issue I had opening this account from the beginning. I am requesting to have this looked at and respectfully honor the promo I was suppose to receive. If this cant be done, I may close my account, as this makes me feel Regions doesn't not do quality business.
My bank does n't update my acct information in a timely manner so I end up with nsf fees even when my acct is positive
This account is actually just pass due less than 30 days. They start calling me the day after it is due, XXXX of each month, and do not stop. My husband had 2 XXXX XXXX  towards the beginning of this year, and was out of work for a couple of months. I have told the company this, and I have tried to keep up with the payments as best I can.
We purchased a home in XXXX, XXXX. Our insurance payment was around {$2400.00} and taxes {$3300.00}, this was used to determine our escrow amount. In XX/XX/XXXX our insurance premium was about the same and our taxes went down to about {$1800.00}, but our escrow amount increased. Then in XX/XX/XXXX our insurance went down almost {$1000.00} and our taxes stayed the same but our escrow payment increase again. I have asked for a breakdown but what they sent me was the same as what I could see online which does not show why the premium increased. From what I can see they charged me for insurance twice in XX/XX/XXXX. Ive contact the company by phone, email, and internet request none of the responses were helpful. They tell me someone will review the account but nothing has happened. 
Please audit my account to determine why they are charging us more when the payment should be decreasing. Attached are the closing statement and loan activity for the entire length of the loan ( as seen online ).
Wells Fargo Home Mortgage is holding 3 payments of XXXX in an Unapplied Funds balance and stating they we are behind on our account 4 months. The account is only 1 month behind as they bill a month in advance. They stated via phone call that the funds they were holding from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in the amount of {$980.00} would be applied to the balance on XXXX/XXXX/XXXX. ( see attachment ) I spoke with a person named XXXX and named XXXX XXXX did not apply them and on XXXX/XXXX/XXXX we received another statement stating that they we had {$1400.00} in unapplied funds ( see attachment ). I called them again and spoke with a person named XXXX and she stated the 3 payments totaling {$1400.00} would not be applied to our balance until we made another payment. I then asked to speak to her supervisor and was transferred to a XXXX XXXX who informed me that he would have to look into it and that would take 10 days. 
Attached to the both of the statements one dated XXXX/XXXX/XXXX was a letter stating that we were 77 days delinquent and another dated XXXX/XXXX/XXXX stating that we were 105 days delinquent. XXXX XXXX also stated that were we behind in our monthly payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We pay this bill through our bank, XXXX bill pay and I have attached our payment history to Wells Fargo for the past 24 months, that reflects we are not behind 4 months. The are counting the unapplied funds and the upcoming payment this is not due as of this date as late payments.
I just turned XXXX in on XX/XX/XXXX. I wanted to start building credit and i noticed that I have a collection account on my credit report being reported by XXXX. I never had any accounts to have a collection I was a minor! This account does not belong to me, I have no knowledge of this account Also there is incorrect DOB and address being reported for me My address IS and ALWAYS been is XXXX XXXX XXXX XXXX, PA XXXX my DOB is XX/XX/XXXX birth certificate attached
Direct financial llc bought my mortgage from XXXX in XX/XX/2016. I have made all payments on time. I received. Late notice in XX/XX/XXXX so I called and they said I was a month behind. I sent proof that my XX/XX/XXXX payment went to XXXX and I 've paid on time from last XX/XX/XXXX until present. They are ruining my credit by stating I have missed 4 months! I have pulled my online accounts and every payment has posted on time! I received another late notice in XX/XX/XXXX! My payment posted on the XX/XX/XXXX. Please help me with this matter. I am in the process of looking to buy but there is no way with 4 missed payments on my credit report