WillisBack/dataset-financial-user-claim huggingface dataset:
We have experienced issues with our mortgage servicing company, Nationstar. Our mortgage was transferred from another mortgage servicing company to Nationstar in XX/XX/XXXX Prior to the transfer, the other mortgage servicing company had overcharged us in XX/XX/XXXXbecause they had not accounted for a makeup payment we had made to our escrow. I had talked with the other mortgage servicing company in early XXXX about applying the overpayment amount to our principle. They did not do this before our mortgage was transferred to Nationstar. In XXXX, I notified Nationstar of this error and they made the change and reapplied all the payments that occurred in the interim. The very next automatic monthly payment that was made to Nationstar was erroneously applied to principle only. I did n't catch this until I noticed my Tax form showed a lower than expected interest paid in XXXX. InXX/XX/XXXX, I contacted Nationstar about this erroneous principle only payment and again Nationstar had to reapply all of my monthly payments dating back to XX/XX/XXXX Again (! ) the very next automatic monthly payment that was made to Nationstar was erroneously applied to principle only. It is now XXXX, and seeing that my Escrow balance is now short and I am being asked to make a makeup payment, I have contacted Nationstar and pointed out this issue again. I have talked with a call center supervisor and strongly suggested they elevate this issue as it appears to be a bug in their system that is causing mortgage payments to be misapplied after a correction is made. I hope they do so. My concern about this issue is that if I were not diligent in keeping track of how Nationstar is servicing my mortgage loan, the loan holder could have come after me for skipping an interest payment on my mortgage because of Nationstar 's error. I worry that others may have fallen victim to this error. I also worry that without accountability, Nationstar will not fix this issue and even more mortgage payers will have to deal with the problems this error creates.
It boggles me that Nationstar 's sole responsibility is to make sure my monthly payments are applied to my mortgage properly and they ca n't get it right.
Discover Card has a period between the due date on the XXXX of the month and the end of the billing cycle on the XXXX where they will charge a late fee on the card, but they do not credit the payment towards the next month. If your payment arrives on the XXXX of the month you are charged a {$35.00} late fee, but they do not credit you towards the next month 's billing cycle. If you pay the XXXX on the following month you get another late fee because the payment from the previous month is not on the new month and the payment is considered late again. This will continue to happen until you make a payment after the XXXX!
Equifax Information Services, LLC. XXXX XXXX XXXX XXXX, GA XXXX has not reported my payments accurately for the month of XXXX 2017. The last reported balance is on XXXX-2017. The current balance is XXXX
I was a authorized user on this account. I was not a co signer and they reported me to the credit bureau.
Selene financed submitted a letter dated XXXX/XXXX/XXXX concerning Case # XXXX on XXXX/XXXX/XXXX ( Validation of Debt Notice ). This letter was never delivered to me. We were not given the opportunity to dispute this debt since Selene DID NOT send it to us. If it had been sent, We would have definitely disputed the amount. We were current on our mortgage until XXXX, XXXX, when we fell on hard times. We were granted a Forbearance from XXXX XXXX through XXXX XXXX, which we satisfied, therefore, how can Selene say we are in default beginning XXXX XXXX? XXXX! Now XXXX entities are Dual Tracking - XXXX & Selene Financing. Selene is in talks with us concerning various modification options and XXXX continues to proceed with foreclosure. We were not given our Due Process because we were not informed. We have found many documents recorded in the XXXX XXXX 's office claiming XXXX mailed or delivered documents to us, were NOT mailed or delivered to us. We will continue to notify govt entities and make them aware of these unscrupulous acts.
GM Financial XXXX XXXX XXXX XXXX Arizona XXXX office is XXXX XXXX and XXXX XXXX their customer service XXXX in XXXX XXXX to the present account # XXXX they continues to call my home and my cell phones XXXX and five times day and night we only have XXXX more payments remaining of {$2000.00} to make on our vehicle and we have spoke to several representatives over the phone numerous of times letting them know about our financial hardship and my wife is very sick and she is fighting with XXXX and she has been out of work from XXXX XXXX to the present it appears they do n't care, when we make our payments we also include the late fees to but that 's not good enough for them. I would like for them to stop calling and harassing us everyday and nagging us we will continuing to make our monthly payment until the loan has been satisfied we never once said to them we are not paying our loan It appears to be that they do not know what they are doing from the representatives to management all they care about is harassing their customers for every nickel and dime they can get. Thank you very much for looking into this matter and I can be reached XXXX - XXXX - XXXX.
I am SIMPLY trying to make a XXXX XXXX payment. I 've called XXXX. You go through all this mess that no person has time to listen to but since I owe XXXX XXXX, I put up with this ridiculous voice prompts. And why? Because XXXX XXXX website REFUSES to recognize my online password and they still have not sent me a password reset. ( Even though I CLEARLY KNOW MY PASSWORD, I 'm staring right at it ) But alas, not even their customer services is open!! Today is XXXX XXXX, XXXX. Is today a holiday? Is it Sunday? No, it 's a business day but yet XXXX XXXX  customer service is not available to accomplish making a simple payment. Why is that?? So customers can be LATE and then we owe a late fee too? What happens to the XXXX person that can not go to a XXXX XXXX store and make a payment?? I am curious as to how many customers XXXX is doing this XXXX to?? XXXX I WILL CLOSE MY ACCOUNT as soon as I contact you. Please address CFPB.
Our numerous requests to Wells Fargo Bank for reimbursement of funds held by the Bank after our successful request to close our account have been ignored, this included a letter to The Board of Directors sent on the XXXX XXXX 2017. 
I include attachments of mail XXXX and Certificate
XX/XX/2013 a " 2nd Chance Checking Account '' I had opened 2 years earlier with Chase Bank was subjected to a series of fraudulent transactions via unauthorized withdrawals and associated activity online. After notifying Chase of the issue, the items and all related charges were removed and/or reversed from my account after some significant challenges in working with their Fraud unit. However, a few weeks later I was once again notified of the issue with a demand for action. I once again contacted Chase and explained we had already had that conversation, and that they had ( begrudgingly/reluctantly ) agreed to remove the charges and fees and put the account back in good standing. After yet more wrangling with them, Chase once again agreed to remove that charges and fees and put the account back in good standing. Yet a few weeks later, I once AGAIN received a demand for action from Chase. In spite of their repeated agreements to remove all the charges and fees and reinstate the account in good standing, they continued to put it back into a collection status after agreeing not to do anything further. That particular account has since been listed on my XXXX XXXX account, thereby preventing me from opening any other accounts due to the nature of the Chase closures. Adding insult to injury, much of the balance they kept putting back on the account after agreeing it was not due, came in the form of fees not in any way associated with any actual authorized transactions, and I had in fact repeatedly notified them of the issue yet they kept both charging me and adding more to it after agreeing not to do so.
On XX/XX/XXXX, Compass Bank withdrew {$1400.00} from my savings account with no notice. When I contacted the bank the next day, I was informed that they were withdrawing the funds and returning them to the IRS because an IRS refund for my father, XXXX XXXX, was deposited into my account. The representative with the Fraud department at Compass Bank explained that because the name of the individual for whom the refund was for and the name on my bank account did not match. The representative also explained that someone from Compass should have reached out to me and provided me the opportunity to prove the refund did in fact belong to a family member. I was never provided this opportunity. The individual I spoke to on XX/XX/XXXX confirmed that no such attempt was made. When I asked if I could still provide the necessary documentation at a local bank and have my father verify he had in fact asked me to process the refund into my account, I was told the funds had already been returned to the IRS. The representative stated she had left a message for the investigator assigned to my account to contact me. No one ever contacted me. 

My father has reached out to the IRS on multiple occasions in an attempt to locate his refund. On XX/XX/XXXXa representative at the IRS stated that the IRS had not received the funds from Compass Bank and that they would perform a trace to try to locate the funds. 

On XX/XX/XXXX, I contacted Compass Bank again and spoke to XXXX in the Fraud Department. When I told her the IRS had stated they had not received the funds, XXXX explained that Compass had not returned the funds as they previously stated, but instead had been holding on to them until they could return all funds collected from all customer 's bank accounts at one time. Today, XX/XX/XXXX, XXXX initially stated the funds had not yet been returned to the IRS. She then amended her statement, explaining the funds have already been returned. At this point, I do not have any means to confirm the funds were returned to the IRS. 

Both my father and I have spent an great deal of amount of time trying to track down his refund. If Compass would have reached out to me as they should have, I could have resolved this issue the same day. But, no one ever reached out to me. I have been lied to and my account has been grossly mishandled. I completely understand that Compass must comply with the IRS request, but they never afforded me the opportunity to resolve the situation as they should have. The IRS agent my father spoke to on XX/XX/XXXX stated that if we would have been able to clearly identify the refund and prove ownership and that it was not fraud, Compass Bank would not have needed to return the funds. They could have been released to me and/or my father.
On XX/XX/2019, I received a bill in the mail for my deceased mother from XXXX. My mother died on XX/XX/2019. 

The bill is for {$8.00}. It shows a {$4.00} payment was returned on XX/XX/2019. Her checking account was not closed until XX/XX/2019. 

In addition, I tried to phone them this evening to advice them she is deceased and to close her account. I called around XXXX and spoke to a person named XXXX . When I called her to say I was needing them to close the account because the cardholder was deceased, she claimed she was having phone problems and told me to hold on. Then the call dropped. 

I tried to call back, received their automated system, but when I asked the system to transfer me to customer service, it left me on a dead hold. I finally just hung up and decided to submit the death certificate to your office and to get an explanation why the {$4.00} was returned on XX/XX/2019 according to the statement. As stated before, her banking account was not closed until XX/XX/2019, and at the time of closure, she had over {$1500.00} in the account. On XX/XX/XXXX when the check was returned, she had over {$1700.00} in the account. I know this because I had tried to close out the account earlier to pay for cremation expenses, but I had a difficult time getting them to accept the pending unofficial death certificate. That is a completely separate complaint against XXXX XXXX   that has been filed with your office, the attorney general of Missouri, the Missouri department of Finance, and the Federal Reserve Bank. 

I need written verification that the account has been closed. And I need the CFPB to figure out why they put down a returned check for {$4.00} well before her account was even closed out.
Signed up for rate reduction program in  XXXX  of   XXXX  . It is for 15 months of automatic payments. Since my account was delinquent I had to pay 3 months in a row in order to qualify for the plan and my account would be brought current. For some reason, there was an issue with the rate plan abo ut 1.5 months into the first three months. I was told I needed to provide my bank account information again, before the end of the three months and that all would be fine. Nothing would change. Today I gave them my bank account information, but I was told my account would not be brought current even though I paid the three months consecutively. They said I would have to pay three more months in a row and I 'd be brought current and the program would be reinstated. I am very tired of Navients deceiving ways to get you to make payments. I paid three months and now my account will   remain delinquent. I do not find it fair that I am throwing away my money for it to just disappear and not be applied to my loans. Something needs to be done. This is not the first time I have had an issue with them
I contacted XXXX XXXX XXXX on XX/XX/2018 in regards to a collection on my credit report that does not belong to me. I have been a victim of identity theft and I'm requesting for this collection to be removed from my account as it was not me. The company stated I need to file a FTC dispute and then fax them over the documents.
I feel discriminated against because I am a successful XXXX XXXX, with good credit, and XXXX with multiple XXXX XXXX. I applied for a Business Card with chase. I was declined, I contacted them for a reconsideration. I was advised I opened too many cards in 24 months. I asked to further explain. XXXX, whom I spoke to on XX/XX/2017 who was extremely rude and refused to escalate the phone call, advised that 7 credit cards over a span of 24 months is a risk. Note I have an outstanding credit score. He threatened to hang up on me. I decided it was going no where so I decided to call back and speak with someone that could assist me. I reached XXXX, same decision, did n't even ask any questions about my business ( net profit, loss, gains, type of business ). Just declined me. <P/>Keep in mind, I requested a MANAGER both times and ended up speaking with basic representatives that only handle escalated calls. Both times they refused to get me to a MANAGER. Once again, I feel discriminated based on gender, race and being a competent credit user.
In XXXX XXXX, my husband 's identity was stolen and a cell phone was opened with XXXX XXXX - account XXXX. The phone was active for 5 months and went delinquent. One year later, we were contacted by a debt company - the issue was rectified as we filed a police report ( XXXX, Oregon Police Dept. ) and file all necessary documentation regarding the false identity usage. On XXXX XXXX, XXXX, we were contacted by Renew Financial ( XXXX XXXX, Ext XXXX ) to again collect on this 12-yr old debt and threatened with legal action. Also, when documentation was requested, I was advised " it is too old and paper information would be shredded by now ''. He also stated notifications were sent via regular mail ; we have not received any paper correspondence. I was also told that this debt would likely be 'sold ' again and could be contacted again for collection. The only way to get 'rid ' of this would be to appear before a judge. I responded I would report them for selling bad debts and wrongly harassing consumers. Calls on XXXX XXXX included ( 1 ) from XXXX XXXX XXXX ; and ( 2 ) XXXX Renew Financial.
Over the summer, my Gold card was enrolled in Spend $ XXXX/earn XXXX points with American Express . I met the criteria spending a total of {$12000.00} but have not received my points. I escalated my concern to Ms. XXXX XXXX, Executive Assistant for American Express, who informed me that I had already received those points in XX/XX/2018. 

The situation in XX/XX/2018 involved me relocating from XXXX to XXXX and, after speaking with an AMEX representative on the phone and updating my mailing address, the Blue AMEX credit card was incorrectly mailed to my old address American Express had not updated my address. Ms. XXXX stated that because of the inconvenience, I would be eligible for XXXX if I spent {$4000.00} on my other AMEX credit card the Gold card. I met the spending requirement and received the XXXX points in XX/XX/2018. 

The two situations are completely different : the XXXX points I received in XX/XX/XXXX were a customer service initiate for sending my Blue AMEX card to the wrong address ; the overnighted a new card to me, since I had not received in my credit card in 2 weeks. 
This situation involves promotional points that I rightfully earned by spending {$12000.00} over the course of three months and am eligible for XXXX points. I have a screen shot of the conversation I had with an AMEX customer service representative in addition to the confirmation codes for the three separate times I met the criteria for XXXX points.
On XXXX XXXX 2017 after receiving numerous robo calls for collection of past fees I asked to pay my balance in full and to close the account. I paid {$86.00} and was transferred to another dept to close the account. Two weeks later I was sent a bill for {$38.00}. After calling their customer service they said it was paid late and I owe. I stated that I was on their recorded line and I asked to pay bill in full and to close account.They said their employee was n't authorized to make that statement.I asked for a written explanation and was told they do not have to provide a written explanation.
On XX/XX/2019, the request was made to apply for an auto loan with a specific lender with whom I've already had an established positive lending relationship, being XXXX XXXX XXXX. 

It had been made clear that a security freeze was in place on my credit for safety purposes and avoidance of abuse of process. 

In good faith, I temporarily lifted the credit-freeze for 24 hours with XXXX  for the dealers to contact the requested lender who approved the loan in the amount greater than what was requested. 

The dealers subsequently proceeded to create an additional 7 to 10 hard inquiries against my credit score by other lenders despite my choice lender already approving the loan for a greater amount than requested and without my knowledge or consent. Immediately following this action, the dealers demanded I unfreeze an additional credit profile with XXXX  where they posted additional hard inquiries against my score without reason. XXXX  was lifted for 24 hours at my request, however, upon leaving the dealership without my vehicle, I discovered that the XXXX  freeze had been held open against my request of 24 hours by the dealers who were intending additional postings against my score unnecessarily. 

The dealers refuse to release the vehicle me under the disclaimer of insurance until the hard inquiries had in fact been declared as posted to my account greatly reducing my score. 

The following action was not only unnecessary but heinous.
On  XXXX   XXXX ,    2017 I re ceive a Notice of Default and Intent to Accelerate.and paid the amount of {$12000.00} to cure the default On  XXXX   XXXX ,  2017 I  received a Notice of Denial of Escrow Cancellation since I owed the same amount that I had previously submitted in a form a cashier 's check.     Upon calling the company, I get completely different answers, and finally called yesterday and was told that the amount I sent was not going to be applied to the default and that I owed an additional {$10000.00} to cure the original default.     That I would lose my house if I did not give another {$10000.00}.     That the customer service number is completely useless, and that the supervisors are completely useless. They need to be monitored and need to go through ethics training to stop causing distress to so many consumers
I 'm Disputing This " STATUS : XXXX -- -File -- -- Received -- -- XXXX -- ( AND ) STATUS : XXXX -- -File -- -- Received -- -- XXXX -- -- -NOT COMPLETED ... .BUY WELLSFARGO BANK-N/A.. 
Case number : XXXX -- -NOT COMPLETED BUY WELLSFARGO BANK ; N/A.. TODAY IS XXXX XXXX ; CF-GOV-CASE # XXXX, and Doccuments submitted in this case : File ; Duplicate 'NOTE- CF-GOV PEOPLE CALLING THIS A DUPILATE ...? 
adding mot information 's pertaining to the XXXX XXXX XXXX XXXX loan done in State of XXXX XXXX : Where the State of XXXX, and Wellsfargo is n't inforcing the Law 's of the U.S.C 's Homestead declaration on my property : ( XXXX XXXX XXXX XXXX, XXXX, XXXX / XXXX important ' notes '' XXXX, and XXXX as well XXXX US State XXXX XXXX the U.S.Constitution on Homestead declairation right on single family homes, and single person 's married or not. // [ In the community property states, the rights of the surviving spouse are less predictable. If thehomestead property is owned as joint tenancy with rights of survivorship or is community property, the surviving spouse retains an interest in the homestead property in his or her own right. InXXXX, XXXX and XXXX, single persons and married couples have the same exemption.XXXXIn such cases, the death of one spouse may have little effect on the protection afforded thesurvivor. When the homestead property is titled in the decedent 's name only, however, the surviving spouse will be left in the same condition as surviving spouses in common law states. Of the community property states, only XXXX squarely addresses this issue and passes the community property interest with the homestead exemption intact to the survivor free and clear of any liens ] [ XXXX ; the { U.S.C. ) Homestead $ 500,000.00USd exempted even on moblehomes, Manufactored homes.. '' they regisrered my home as a manufactered home with wellsfargo court order, changing the status from single family resident.. '' destoying tax records in XXXX XXXX XXXX ; and destroying my deed to my property../ now i understand wht the U.S Department of Hospitol had me file as well to inforce my utility bills were legal in my names as i have all ways lived single.. ; Wellsfargo Bank XXXX, XXXX XXXX XXXX 's XXXX XXXX is dead, XXXX XXXX XXXX that she is : where 's the death Certificate from XXXX Bank? on XXXX XXXX, XXXX people are stating this in that court order ; from what I know there 's life insurance coveing here det 's ; And I 'm the hier on the XXXX XXXX XXXX XXXX XXXX XXXX not those that ran with money. " on her life insurance policy., : XXXX ; XXXX XXXX '' I ask him if his name the XXXX time if it was XXXX, and the XXXX time he said it was XXXX, the ID caller says it 's XXXX? that 's suppose to be working for Wellsfargo bank N.A.?
I was contacted by Ameritech Financial about refinancing my student loans. I was told that if I paid {$200.00} a month I would have a considerable amount taken off the principal of my consolidated student debt. I went through the process on the phone and asked the representative if there were any further required actions in order to begin. I was told no. That I simply had to make the payments and my debt would be reduced. 

Weeks later I started receiving emails from Ameritech requiring further documentation to continue receiving their services. This had not been disclosed at the time I signed up but money was already being taken out of my account for several monthly pay periods. 

There was no phone number provided to contact someone at Ameritech for explanation of the further information needed. Ive still been receiving the same email every week for the past year or two. 

I feel that Ameritech stole hundreds of dollars from me.