WillisBack/dataset-financial-user-claim huggingface dataset:
I filed an application for  Long Term  Payment modification assistance to reduce my payment. I faxed the initial application on    X/XX/17 .       XXXX   .17 - rec eived notification that information needed clarification and other documents needed to be provided within  20  business day from the date of the letter (   XXX   .17   ) . Spoke with  XXXX  on    XXXX  .17    at  XXXX   XXXX  PST. He told me exactly what to provide. I faxed it on   XXXX   .17 an d received confirmation of its receipt at  XXXX  PST. This information was faxed within the 20 BD time frame.     XXXX  .17  R eceived notification that the information was not provided on time and the application was denied. Called at  XXXX    XXXX   PST on    XXXX    .17 s poke with  XXXX  ( employee ID  XXXX  ). He reviewed the application and agreed the information was in fact received in a timely manner. He sent it to his supervisor.     XXXX   .17 I follo wed up on the application. Spoke with  XXXX   XXXX  ( employee ID  XXXX  ). Reviewed the issue with him said he would call me back with in 1-2 days.   Did not call me back.       XXXX    .17 I   called  XXXX  again - he said he would review it again and call me back.     XXXX  .17  Af ter numerous phone calls and days later,  XXXX  and  XXXX  agreed it was an error on their part as to why the application indicated the information was not received on time. They said they would reprocess the application.     XXXX  .17  Follo wed up with  XXXX  on the status. She recommended I complete the application again and submit updated statements for my student loans.     XXXX   .17 Fa xed the application to  XXXX  and received confirmation of its transmittal at  XXXX  PST.      XXXX . 17     XXXX  called and said she received the application and will expedite it.     XXXX   .17 ca lled to follow up on the application. Now  XXXX  says there is other information that needs to be submitted, however, she failed to tell me this upon the initial application and stated my application was complete. Spoke with  XXXX , Supervisor, who said he would look into it and call me within 24 hours.    XXXX .17  XXXX  did not call me back. He had a customer service rep call me back who could not clarify what exactly was needed to process my application. Asked to speak to a supervisor and no supervisor was available.  XXXX  picked up the call and stated that we needed to complete the cosigner page again with the amounts of those loans. However, this was already completed in the f irst 2 applica tions!
Shellpoint Mortgage services our home mortgage and has had XXXX major servicing errors on our account in less than 45 days. Both of which my wife and I have had to spend significant time resolving. In XXXX of 2015 they incorrectly processed Homeowners insurance payments. After 6 hours on the phone over 4 days and filing notice of error Under CFR 24 they finally resolved and corrected our escrow. Then in XX/XX/XXXX we made out MTG payment and they processed it not once but twice resulting in a NSF charge on our bank account of {$32.00}. We called XX/XX/XXXX to notify them and they we very apologetic and cancelled the duplicated payment and offered to refund us the {$32.00}. We sent the necessary paper work to them that day. On XX/XX/XXXX they on their own accord reversed the initial payment as well and then charged our Mortgage account a {$25.00} NSF charge. At XXXX XXXX on XX/XX/XXXX we received a call from a " Number not available '' from Shellpoint. On that call they demanded to know when and if we were going to pay out mortgage. After I reviewed the account history and speaking to my wife I called back. They admit there mistake and have claimed that IT has fixed the issue. 

Though they resolved the escrow issue and are now working to fix the recent payment processing errors Shellpoint treats its customers as guilty until proven innocent. The only way I seem to get results is to threaten reporting them to this agency. Well, I have had enough ... 
As a servicer should be able to process escrow payments to insurers without tripple paying them, and they should be able to properly process payments without double withdrawing the funds and then charging the consumer a NSF and it should not take hours and hours of the consumers time on the phone fixing their mistakes. 

If I could switch servicers I would ... ....
On XX/XX/XXXX my card was misplaced, the next day ( XX/XX/XXXX ) someone removed XXXX from my account which made it under. The very next day ( XX/XX/XXXX ) another transaction for {$100.00} was once again withdrawn from my account. Once i found out my bank was under on the XX/XX/XXXX due to me being locked out my app. I filed a claim Saturday XX/XX/XXXX about both withdrawal and was told to contact the bank Tuesday but to the holidays on Monday XX/XX/XXXX. Come Tuesday XX/XX/XXXX i was told there was no information provided. So Friday XX/XX/XXXX, i go to Regions Bank to get a new card and was told my claim was denied due to my pin being used, i received no call or email. I informed then that i write my pin on my card so i wont forget it which i know im not the only person who does that. But i felt they were basically saying oh well keep up with your stuff and your money wont get taken. People lose their bank cards daily and dont be knowing it but we get faulted for it. Not fair, what should i do?
They call repeated using different phone numbers and hang up. I am up to dated on all bills. When I call back I have told them numerous times to stop calling but they wo n't.
Portfolio Recovery Associates keeps calling my cell phone from number XXXX in XXXX Mississippi about a debt that I have absolutely no information about, nor can they describe it to my satisfaction. 

They have called every day this week. 

I monitor my credit reports daily on XXXX bureaus -- so I have no clue at this item and what it might be, but I want the harassment to stop.
We resolved the issue, but I would like to share our story with the CFPB in case other consumers are affected. My wife just opened a new XXXX store card. The company, though, Comenity - XXXX has charged us late fees for 2 consecutive months on her card. This happens because the company tends to process our payments late. It feels as if they do this just so they can charge us fees. Since we use our bank 's billpay service, our bank confirms when the company receives the payments so we know that our payments arrived on time. Therefore, while we were willing to accept the first late fee as a possible error on our behalf ( we scheduled the payment for the due date ), we ensured that Comenity - XXXX received this " late charge '' payment a few days prior to the due date. The company STILL sat on our payment for a few days, processed the payment 1 day late, and charged us new late fees. We called Comenity - XXXX to resolve the issue, and they refused to reverse the charges. After a threat to report them to the CFPB, they decided that they could offer relief for our situation and dropped the fees. Still, we closed the card and are still lodging a complaint so others are not swindled by them.
I was shocked when I reviewed my credit report and found two late payments being reported. As a XXXX XXXX with XXXX XXXX XXXX, I was relocated by the company to the XXXX XXXX XXXX XXXX for one year. As part of this agreement the company purchased two cars on my behalf but the company assumed full responsibility for making payments on the associated car loans through TDAF. For insurance purposes, I was required to take the car loan out in my name. However, the company paid the bill each month as part of my compensation and they took full responsibility for these payments being made on time. 
when the loan was first set up in XXXX, XXXX XXXX XXXX set up auto pay but due to an error the account was not debited in XX/XX/XXXX. Then after all that we successfully set up auto pay and everything worked smoothly until XX/XX/XXXX when the car was sold and the payoff was received by TDAF, Unbeknownst to XXXX, TDAF noted a small balance on the account due to an administrative fee and never notified us until there was subsequent bill that came in the mail after the fact. We were shocked yet again to see that another late payment was reported for XX/XX/XXXX. 
As you can see, I have a perfect credit history except for these two items on this same tradeline. I am very upset with TDAF, I have highly disputed these two late payments. Its causing me and my family extreme stress, due to the fact that credit is so important and effects every aspect of my life. TD AUTO FINANCE ACCT. # XXXX
I have received letters and marks on my credit report for several account in the office of EOS CCA # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , MA XXXX I have requested a proof of claim and validation before any legal actions can be taken. I never received a response back it has been over 30 days
I applied for a mortgage with Academy Mortgage in XXXX 2015 in the State of XXXX as a first time homebuyer. I was given a good faith estimate along with my loan application which included loan origination fees and an estimate of all the fees and funds that I should anticipate to cover upon closing. The last communication I received from my loan officer, XXXX XXXX, was in XXXX when she verified that she had all of the documents required for underwriting and gave me an estimated cash to close which was around {$24000.00}. My original closing date was scheduled for XXXX XXXX, 2015. My closing was delayed until XXXX XXXX, 2015 and it was n't until XXXX XXXX that I received any additional communication from Academy Mortgage. A different loan officer/loan processor, XXXX XXXX, from XXXX contacted me and started requesting essentially all of the same documents which I had already provided to XXXX XXXX in the month of XXXX. On XXXX XXXX, 2015, I was given notice after inquiring with XXXX XXXX that my cash to close had increased by approximately {$2000.00} dollars with no real explanation as to the difference from my original GFE. I was told that she was assigned to close my file and was merely doing her job as a processor of my loan. The morning of the closing, XXXX XXXX, 2015 I finally received the HUD-1 which detailed how my loan origination fee increased and my tax escrow increased from XXXX months escrow to XXXX months escrow. This increased my amount to close by another {$500.00} dollars the morning of the closing. At the closing in the afternoon, the HUD-1 presented at the table showed another increase of an additional {$1000.00} required of the buyer to close due to a processing error. I later found out that Academy Mortgage broke apart early XXXX and all of the loans processed in XXXX by my original loan officer, XXXX XXXX, and sent up to the XXXX office of Academy Mortgage to be closed. I was not given any notice, I was left in the dark and ultimately had to place my household in financial distress in order to close on this home a few days later. According to my contract I had to either come up with the additional loan funds or risk default on the contract and forfeiture of my security deposit of {$10000.00}. Academy. My loan processor did not work on the day of either of the closings ( XXXX XXXX or XXXX XXXX ) and since I went from having a local officer to having an offer in XXXX, I had no representation from the mortgage company at the closing table and all concerns that were raised related to the mortgage were left unanswered. Mortgage was very unprofessional and unethical in the manner in which they handled me and made the home buying process very XXXX for me and my family. Our attorney estimates that Academy Mortgage held in excess of {$4000.00} of property tax escrow that is not required by the State of XXXX for home loans. This money in addition to the added loan origination fees took away my ability to buy things for my new home and pay for various utility connections after closing.
I noticed a recent derogatory report on my credit reported on XX/XX/XXXX. I looked up the company that issued the report ( COMMONWEALTH FINANCIAL ) and asked what this was in reference too. The representative stated that this was from a hospital stay from XX/XX/XXXX. I have a problem with this mainly because I was issued a county relief on the medical bill due to my being out of my county during the emergency and was indigent. Also I was never notified in writing of this debt which is now preventing me from getting a home again which I lost along with my company I owned after my medical emergency which has presented a severe hardship ongoing for me and my family.
During an application for a car loan, I discovered that there were many errors in my Credit Reports with all three credit bureaus ( Equifax Information Services , LLC ; XXXX ; and XXXX XXXX XXXX ). I respectfully sent a request letter to them to investigate, delete, and forward me the names and phone others of all the people they contact, any documentation as well as a new Credit Report within 30 days per Fair Debt Collection Practices Act ( FDCPA ). 

To my dismay and surprise, I have not received any documentation evidence as stated in all my XXXX letters I sent to all three credit bureaus ( Equifax Information Services , LLC ; XXXX ; and XXXX XXXX XXXX ). 
I feel it is an intentional action by these credit bureaus to gain from the errors in other peoples credit reports so that we as consumers can pay for very high interest loans as I am paying now. Per Fair Debt Collection Practices Act ( FDCPA ) reuglations they are supposed to investigate any errors and notify me if these have been done. 
I am about to file a law suit against all the credit bureaus ( Equifax Information Services , LLC ; XXXX ; and XXXX XXXX XXXX ) ; and before I do that I report it to CFPD.
Source Receivables Management is currently attempting to collect a debt on behalf of XXXX. However, I believe the debt is not valid because XXXX voided the terms of our contract by misleading me to believe that my monthly bill would be lower than it actually was. 

XXXX XXXX 2014, my 2-year contract with XXXX was ending. At that time, XXXX was advertising an " Unlimited {$60.00} '' plan and I was considering switching to that plan from my " Every Data 450 '' plan. 

XXXX suggested that there could be monthly fees of up to {$35.00} associated with the " Unlimited {$60.00} '' plan, in addition to the base cost of {$60.00} per month. Prior to switching to the " Unlimited {$60.00} '' plan, I confirmed with several XXXX employees over the phone and through an online chat service that the $ XXXX monthly fees would not apply to me. I decided enter a new contract with XXXX, purchased a new phone at a price less than retail value being offered to customers entering new and renewed contracts, and switched to the " Unlimited {$60.00} '' plan. 

When I received my first bill, a monthly fee of {$35.00} was applied in addition to the base cost of {$60.00} a month. I contacted XXXX and explained that the $ 35 monthly fee should not apply to me, as multiple XXXX employees had told me prior to entering the contract that the fee would not apply. I also suggested that I would return the phone and we could terminate the contract. I offered these solutions to a XXXX employee over the phone and in the online XXXX XXXX forum. My conversation with a XXXX employee in the online forum has since been deleted. 

I believe XXXX voided because, despite the fact that several employees suggested I would not be charged a $ 35 monthly fee in addition to the base cost of {$60.00}, XXXX still applied this fee to my account. I made several good faith attempts to resolve this problem, but XXXX was unwilling to agree to the solutions I offered or to offer alternative solutions. When it became apparent that XXXX was unwilling to abide by the terms of the contract, I ported my cell phone number away from the service. 

At this time, XXXX is requesting I pay {$820.00} in cancellation fees and for the phone I purchased, which I was unable to use with any other cell service. XXXX has referred my account to a XXXX Receivables Management, which is reporting the debt to credit reporting agencies. I do not believe I am obligated to pay XXXX because XXXX failed to provide service according to the terms of our agreement. I also believe that reporting this debt to credit reporting agencies is a violation of the Fair Credit Reporting Act. 

I sent a letter to Source Receivables Management in XXXX detailing my complaint and included evidence. I requested that Source Receivables Management cease reporting the debt to credit reporting agencies. However, Source Receivables Management was unwilling to do this.
I am filing this complaint Equifax has refused to provide me with documents regarding XXXX bankruptcy public records on my credit report. I am a victim of identity theft and have never filed bankruptcy. I also reached out to the court and was advised that the XXXX XXXX Court does not report information to any credit reporting agency, and does not have any information on file. This matter has now gone past 30 days unverified under section 611 ( 5 ) A ) of the FCRA, please have equifax delete this information, please assist with resolving this matter asap. Thank you
During a real estate transaction, our law firm, our client, and the agent were hacked and fraudulent emails & domains were created. We were sent wiring instructions from " our client '' to wire proceeds. Proceeds were wired to a XXXX XXXX account that was set up and used for this scam.
I have sent several letters about the dispute of late payments to be removed due to misinformation form several representatives. I thought i was on a deferment back in XX/XX/17 and was assured that it was in effect until i got another response that i was not. I I followed proper steps and was filled out all the paper work. I called several time to see if i was on a deferment was told yes and when i was going to get a credit card was denied due to i have all the late payments on my report. I come to find out that they can not locate my calls between XX/XX/17-XX/XX/17 the disappeared. So i know i did call in several times and the representatives helped me with what i needed to do. I need assistance on removing the late payments I have tried so hard to get my credit score up.
I opened a dispute case with Citi XXXX for charges of XXXX with XXXX 's XXXX on XX/XX/2018. Citi continues to issue a credit and then debit this charge 30 days later. More importantly Citi continues to allow vendor to confuse the issues. on XX/XX/2018 I advise vendor that the temperature on the boat reach an inhabitable temperatures. I advise the vendor that I could not stay on the boat because the air conditioner could not keep up due to the high temperatures. see attached text exchange with vendor. In addition to the inhabitable conditions my dog and I contracted XXXX due to the water on the boat. XXXX is one of several XXXX XXXX  known to cause XXXX in both dogs and humans due to poor water. 
XXXX 's XXXX does not have a cancellation policy in the agreement and therefore Citi states because XXXX 's XXXX does not have a cancellation policy I am obligated to pay for charges that I did not stay and cancelled due to the inhabitable temperature conditions on the boat. see attached weather report and contract signed.
I have disputed XXXX XXXX on all 3 of my credit reports. I have tried and called all the bureaus and they keep telling me different things about this account. This account was a judgement, and my wages were garnished for years until collections amount was paid in full. The NY Supreme Court took all of their remarks off all my credit reports and I think the XXXX XXXX should be required to do the same. In my research of laws in NY State, there is a law call the NY 5 year purge rule. It states that any collections orjudgement that have been paid in full from the first D.O.F.D. shall be removed from all credit reports ( D.O.F.D. was X/2011 ) I have provided all sorts of proof that this judgement has been paid n full and the account should be removed from all of my credit reports. I will include them with this complaint as well.
On XXXX XXXX,2017 my Dentist issue a charge back of {$600.00} to my CARECREDIT credit card account due to an overcharged from my recent XXXX XXXX, I contacted CARECREDIT to issue a check for {$600.00}, which they happily agreed upon my request..It is now XXXX XXXX,2017..over a Month Already, and No check! I called and the Phone Rep. always gave me the run around " the check is in the mail '' speech line.I have been getting all my other mails, but nothing from CARECREDIT..I also did research and they are known for FRAUD and CORRUPT activities..I do not want to be the next victim ... Please Help me..
I was notified and sueing XXXX because of data breach have a security freez for free and XXXX refuses to I filed complaints to CFPB over or about XXXX times now XXXX has blocked me from disputing information on my credit account, Because of the XXXX   data breach I see on XXXX information hard inquiorys I didnt aplly for so called the companeys on the list and they have not ever heard of me and dont have me on file ever apllying so contact XXXX and they refuse to do anything then I found out that someone was working under my information in XXXX XXXX I live in XXXX. 
Then I wrote a letter to them 19 times about the problem they blocked me from writing then I had a piad account but they blocked me from that then after they blocked me from online account they still charged me for servicesw till my bank XXXX XXXX blocked XXXX from all accounts so no one can use there cards for them. 
then I called they blocked me form calling but by law they have to send me a letter showing the reason they blocked me and they have not I know this for a fact because they dont even have my right address so could not even send me anything so they told at one time that they dont dispute hard inquiries I had to contact they companies directly but they cant do anything because they dont even have me on file so they dont have nothing to dispute on file so they cant help, then I contacted XXXX they said cant help me even with a police report they dont care. 
Then when I call they say I am blocked, online I am blocked then write a letter they reurn it in there self addressed envelope and return it to me with a letter saying I am blocked from writing, I did CFPB complaints on them then they tell me to call them when I call they say I am blocked from calling to right them so I write them they return it saying I am blocked from writing then I go on line to dispute the isue and I am blocked from my account saying I have to write they keep saying this on response to my CFPB complaint then when I respond they restart by telling you to call in there response all over again. 
Then I have a friend they worked for them they said on complaints through CFPB are all automated responses and a real person never responds to the complaint ever, and on the account they show I have 5 new hard inquiries as of XX/XX/2018 and score dropped and then I look and there is no new hard inquiries since XX/XX/2018 so they enter peoples account change records for score with nothing changing on the account fraud Identity theft and Transunion and XXXX and XXXX are showing inquiorys that I didnt do all being done because of the XXXX data breach all three tell me they cont care and cant help me.
Our client was previously married with both him and his wife on note and mortgage. During the loan modification review process, we provided a quit claim deed along with dissolution of marriage awarding our client the house. Nationstar Mortgage provided a loan modification to our client with just his information, provided trial documentation to support just in his name, and when it came time to finalize the documentation, now wants all of the wife 's information. Our client/our office was very clear about the circumstances of the loan modification being in his name soley and were assured repeatedly and in writing, that it would not be an issue. After taking our client 's XXXX trial payments, they are now indicating that he will need to refinance to remove wife 's name.