WillisBack/dataset-financial-user-claim huggingface dataset:
PNC Mortgage / PNC Bank keeps on delaying the process to remove my PMI. According to my mortgage agreement, the PMI on my mortgage should be removed when the LTV ratio is 80-20 and I meet certain other requirements like regular payments etc. I meet all the requirements and have made the required payments on XX/XX/XXXX as reflected in the attached statement. Furthermore, since my mortgage agreement says that the lender may require an appraisal before removing PMI to ensure that the property value hasn't gone down, I asked PNC to clarify if they need an appraisal and if yes then please go ahead with the appraisal.

Now this is where they stated with the delaying tactics. First, they misapplied my payment made on XX/XX/XXXX and put it in some " Other '' category when it should go towards reduction of my principal.

Next, despite my repeated communications to tell them to use the corrected payment information before sending me an answer on the appraisal, they took good 2 weeks and sent me the information with misapplied payment. Note that they did this despite telling me they will start the process to remove the PMI with the correct payment information as shown in the attached email communication. Their letter that I received said that I haven't reached the 80-20 LTV ratio even though I clearly have.

Next, they made me wait before I could send in a new request to remove the PMI while they corrected the misapplied payment. I complied and sent them a new request again onXX/XX/XXXX. They said I will shortly receive the letter with the appraisal order form but I still haven't received anything. It's been about a month since I made the payment that took my LTV below 80 percent and still they haven't provided me a simple Appraisal Order form. They refuse to allow me to get another appraisal myself from a certified appraiser or to directly contact the appraiser that they themselves recommend. All this while I am suppose to keep on paying the PMI. Just providing the customer with an appraisal order form should not take more than a month in XX/XX/XXXX.
I have had a credit card with citibank since XX/XX/XXXX.ALL of the payments were made on time and ALL of the payments were paid in full EVERY month. Citi bank has only reported 14 months of payments in the history part of the credit report. This is hurting my credit rating by aprox XXXX points. I have contacted citicard numerous times and the bureaus to get this corrected. it is stopping me fromgetting a loan and my insurance rates are higher than what they should be. there are 216 months of payments that should be reported in my payment history.the credit bureaus keep telling my my score is low because I dont have a long enough payment history and I dont have enough lines of credit. I have XXXX credit cards and can not get a XXXX one because my score is low due to the short payment history that citi is reporting.
i've tried numerous times with navient to pay student loans. I have been unemployed a few times over the years, and when I have made minimal money, Navient has claimed they would help me as a pay as I go or Repaye, however, because my wife and I file jointly, we " make '' enough money to be able to pay the rates, however when they say {$500.00} per month, that is absurd and nearly impossible with a house payment, car payments, living expenses, card payments and to take care of two daughters, one which has special needs, and the other is an infant. When I have said I can not pay it, they have put it on deferment or forbearance, however I apparently have used all the time for both options, so I have no alternatives but to pay minimal {$100.00} every other month or so until I have a steady source of income.
I keep receiving multiple calls on my cell phone and house phone from this number XXXX claiming I wrote a bad check from Wells Fargo in 2006. First of all, if I had written XXXX I would have taken care of it. Second, this is the first I 've heard of it and they said I 've been notified previously through mail. Third, the statute of limitations on bad checks in the state of California is 2 years. My concern is how this company got my information. This is an invasion of privacy. My phone numbers are not publicly listed.
XXXX XXXX XXXX XX/XX/2017 TransUnion XXXX XXXX Finance XX/XX/2017 TransUnion XXXX XXXX Automotive XX/XX/2017 TransUnion XXXX XXXX Bank XX/XX/2017 TransUnion XXXX XXXX Finance XX/XX/2017 TransUnion XXXX Bank XX/XX/2017 TransUnion
I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit report. The following inquiries on these dates were not authorized by me : XXXX Date : XX/XX/2018
-XX/XX/XXXX I bought a used XXXX XXXX XXXX from XXXX XXXX in XXXX MI -I made all payments on time via automatic bank withdrawal from my XXXX XXXX XXXX. -XX/XX/XXXX I traded the XXXX in at XXXX XXXX XXXX XXXX XXXX MI -XX/XX/XXXX I received a letter from Nissan Motor Acceptance thanking me for financing and affirming that my " contract obligation has been satisfied. '' XX/XX/XXXX I received a letter from Nissan Motor Acceptance saying I still owed them money. I called the 800 on the bill and spoke with XXXX who threatened me with an even larger bill if I did not pay the one they sent me. I refused and called XXXX XXXX to make sure the loan had been paid off. They assured me it had and that Nissan 's records must be in error. -From that date forward, I kept getting letters as well as threatening phone calls. I have dates and names of those I spoke with. -It has been continuous even though I threatened them with legal action, but they have continued to harass me and now I find that they have also falsely registered this as a current delinquent amount on my credit report EVEN though they have marked it closed and paid. They have harassed me and turned me over to collectors who have harassed me with early morning calls, etc. -I have all necessary documentation to support this, and I want them to cease and I want to sue them for harassment and for damaging my pristine credit history. -This has been ridiculous!!
After I tell them there going to receive their money on theXX/XX/XXXX. I continue to receive phone calls daily after I have spoken to someone the day before, It not like I'm three months late.
I had a mortgage with US Bank and was advised in the beginning to open a bank account to get a lower rate. The mortgage was refinanced and I was not aware that the bank account would incur fees in the amount of {$25.00} at that point. I called to explain the misunderstanding and requested a credit which was agreed to. However, US bank took months to resolve so the balance went unpaid. In fact, I never made any payment towards those fees ( which grew to {$75.00} in late charges ) because they agreed to waive them. Eventualky, the fees were credited and I assumed that their agreement to cancel the fees meant a full resolution had been reached. However, the process after they agreed to waive the fees took months. I called us bank month after month because the fee they promised to reverse was still on my statement. Each conversation a US Bank rep promised to have a " manager '' take care of it. I did n't know that their incompetence was adversely effecting my credit. Once it showed up on my credit report, I requested a dispute through the credit bureaus as directed by US Bank since they would not provide any other assistance. I was told by us bank that there was nothing they could do. The results of the dispute merely updated the length of outstanding fees. I had a number of mortgages with us bank over the years and they were paid thousands of dollars in interest. I find it descipable a hidden fee of {$25.00} that they agreed to waive would negatively effect my credit after numerous phone calls dealing with their own incompetence. In addition, the results of the credit bureau dispute should have been a full deletion given the facts. This may be the result of laziness or biased treatment but I will continue to pursue the only acceptable resolution of full deletion from my credit report.
I received an email from  National Network Negotiators re questing an information release form so that they could update my information. That information would update, my information, so that they could collect the {$300.00} left on my {$750.00} bill for filing my paperwork. When I contacted my provider,  XXXX , they informed me that there are no fees for filing the paperwork. They did not have the names or numbers that I was given . National Network Negotiators e mailed me the names  XXXX   XXXX ,  XXXX  main,  XXXX  direct,  XXXX  Fax,  XXXX  XXXX  XXXX , also  XXXX   XXXX . In the information release form it had information on it that was not mine. I was suppose to sign it and send it back.
I have fallen behind on Chase Mortgage due to expenses incurred from Hurricane XXXX, XXXX XXXX Expenses, Unexpected Legal Bills resulting in temporary Income Reduction. I have applied several times thru Chase for Loan Modification, but keep getting rejected for different reasons. 1 Reason was that since my mortgage was 30 days behing when Hurricane XXXX hit ; I was in-eligible. I dispute this. 2nd Reason was that my income & mortgage expense did not meet guidelines. 3rd Reason was that I did not qualify for HOPE Tier XXXX since there was too much equity in home even though the Chase Real Estate estimate showed that the Home Value was lower than mortgage owed. They acknowledge Hardship, but can not offer me a modification. In addition I received a letter from Chase regarding NY State settlement that they were offering to relook at my mortgae, but they did nothing. Thru this process there have been continual error from Chase in reporting my income & mortgage expense, and on appeal they simply change the reason for denial to something else. I do not feel I have been treated consistantly or in good faith. In addition, I can pay off a max of 50 % of my late payments, but they will not accept them.
Back in XXXX Ive received a bill from XXXX, I called then and explained to them that this isnt my bill and they told me that they couldnt put someone else bill in my name. I filed a police report and found out that the bill belongs to someone else with the same first name, middle initial, and last name as me. The detective have not contacted me back since then and Ive tried calling and still wasnt able to speak with the detective. This year I checked my credit report and seen that the bill was still there. I disputed it over the phone and they havent removed it but they gave me a shorter date for it to close. There is also a address connected to this bill on my report that Ive never lived at.
On XX/XX/XXXX, 2017, my phone and wallet were stolen while I was out eating dinner with a friend. By the time I was able to track down my stolen phone, I realized there were multiple fraudulent transactions on my XXXX account sent to an unknown user. 

There were a total of five XXXX transactions with a total of {$2000.00} sent to this unknown user. I have attached a screenshot of these transactions below. 

Once I saw these transactions, I immediately contacted my bank, reached out to XXXX, and even filed a police report. I will attach the detailed police report below. XXXX was able to stop the transactions so that the money was not taken from my account. However, XXXX is currently threatening to send collections on these fraudulent transactions. 

XXXX was initially helpful and was on my side while I was submitting my claim over the phone. However, after further review, XXXX is now threatening to send collections over transactions I did not make. XXXX claims they were not able to locate evidence of unauthorized access to my XXXX account. I was told to just reach out to the person that sent these transactions on my phone and ask them to send the money back. However, I clearly am not able to do so as I have no idea who this person is or how to contact them. They even went to the extent to change their username on XXXX  after sending the money to their account. 

I am financially responsible, and I have never come across any issues like this before. I have gone to great lengths trying to take action against this act of fraud, but XXXX is still threatening to send me to collections. 

I have attached these files below : -A list of the fraudulent transactions on XXXX ( before and after the username was changed ) -XXXX confirming the transactions were intercepted -A police report
Chase closed my account randomly nearly 3 years ago. I was not given an answer and upon going into the branch as advised over the phone, I was given horrible service and mistreatment. The bankers that are usually nice to me were very cold and mean. I was given no reason as to why my bank account was closed and was told I can never bank with them again or reverse the decision. Ever since Chase switched to chip cards, I had a lot of trouble with my account and people had stolen my information. It seemed like my card was always being blocked for the wrong reason or messed up. Ever since Washington mutual switched to chase, the service has just gone downhill.
RFC XXXX {$2000.00} and XXXX Amount {$1500.00} are reporting on my account and both are the same thing. I have no knowledge of this debt and Equifax continues to say they verified but will not tell me what evidence they based this on. I have contacted XXXX and they stated the account is listed with the debt collection CRA. The company has no agreement of signature binding me to this alleged debt. They state that a live check was sent to an address that I did n't live at. Equifax did n't follow guidelines as specified by XXXX or else they would 've removed this account from reporting on my credit profile.
I initiated a balance transfer over 6 weeks ago with my credit union to pay off my Citi Card account. Citi has subsequently refused to apply the payment. I have been fighting with them for over a month. First they claimed they did not receive the check, when I provided proof that they did ( and deposited it ) they then claimed they could not tie it to my account. When I pointed out that the copies of the check clearly show my correct information they made me send information to payment investigations. Two weeks ago it was confirmed by Citi that the payment was located and would be applied to my account. It still has not been and they refuse to give me further information. Meanwhile I cancelled all of my autopayments with them and confirmed it with a representative. Two weeks later they are claiming that I did not do so and they will not allow me to do so. They are stealing my money.
I started my ordeal of repaying private loans in XX/XX/XXXX. I had the loans in deferment after graduating in XX/XX/XXXX. I called repeatedly to find a payment method that would work as the loans required payments of {$1600.00}, which is well over my take home pay each month, even with working 40+ hours a week. They told me there was nothing they could do to help me because, " You have n't missed any payments yet. '' Well due to life long medical issues and XXXX I was medically XXXX for a few months and then of course I had no choice but to start missing payments as I could not afford them anyway. So, I did n't pay and waited for the battering of calls that were excessive and aggressive, calling my family members that were in no way related to my loans and I 'm not even sure how they got their information. I listened to the voice mails and called them back repeatedly trying to find a lower payment or some solution. However when they finally offered me a plan, a year later in XX/XX/XXXX, that required only {$350.00} a month, I 'm sure for the next 500 years, I asked if I could receive the proposal in the mail or PDF in order to read what I was agreeing to prior to giving away bank account information. I was forwarded to a supervisor who cursed me out and told me she never heard of something so absurd as wanting the documentation prior to signing up for the plan because, " It is your obligation to make the payments, we do n't have to offer you any assistance then the whole loan balance will be due. '' Well feeling beaten down and very confused as to why my rights to read what I 'm agreeing to before I sign up were being taken away I am reaching out to you at the CFPB to help shed some light on this and warn others from going anywhere near XXXX/Navient.
On XX/XX/XXXX I pulled my credit report to see exactly what was listed on there. I found a collection entry from Convergent Outsourcing {$580.00} with a date open date of XX/XX/XXXX on credit report and XX/XX/XXXX on XXXX others. Well I want this item to be removed from my credit report and I want the company to send me a letter stating that the collection item has been removed. I have never had a XXXX XXXX account and I know it is n't mine because I was serving XXXX years in XXXX when this collection was put on my credit report. So this is ID Fraud
I am the power of attorney for my father he opened a bank account at TD Bank a few days later I dropped off my power of attorney they said it was unacceptable and the entire account is blocked my father 's checks are bouncing and they wo n't return the money until XXXX comes in personally he is XXXX. This is been going on for almost 3 weeks and they say they have n't even assign anybody to resolve it yet
I have complained 4 times regarding Bank of America, since my complaints I have resolved my payment problem, however they did not resolve it but I did. I applied for the Home Saver Program with the State of NJ and pursued that option until I finally got the money to bring my mortgage up to date. I am now trying to do a modiffication since my account is current but the bank will not give you that unless you are delinquent. This is a no win situation you are damd if you do and damd if you dont. I will never recommend BOA to anyone that is looking for a mortgage, they do not care about their clients. I want this agency to change their practices and help people instead of degrading them.
I was listed as an authorized user the account is not in my name. I have contacted XXXX and they said they have by law up to thirty days to investigate. I never used the card or signed for anything and now the account is closed showing I am an authorized user only.
Experian XXXX reported that my XX/XX/XXXX payment on my XXXX XXXX XXXX lease for a black XX/XX/XXXX Sorento was 30-60 days late. The attached shows that I do not have a payment due until XXXX XXXX and that I paid the payment due XXXX on XXXX/XXXX/15, the payment due on XXXX was paid on XXXX/XXXX/15, the payment due on XXXX was paid on XXXX/XXXX/15 and the payment due on XXXX was paid on XXXX/XXXX/15
I refinanced with XXXX XXXX XXXX last year. The loan was subsequently sold to Nationstar Mortgage and has been serviced by Nationstar since. My property has XXXX tax parcels. When I closed the loan, I made sure that both parcels were documented for the escrow account. I deposit over XXXX dollars to the escrow account with Nationstar on a monthly basis. A few months ago, I was alarmed that only XXXX of the tax bills has been paid out from the escrow account. Nationstar has missed XXXX payments of the other tax bill, which accounts for about 90 % of the entire tax liability. Now even though I have sufficient fund in my escrow account, my property tax is delinquent and significant interest has accrued on the tax due to late payment. I 'm at risk of having my credit damaged and having a tax lien on my property. I 've been calling Nationstar every week but they have n't resolved the issue.
In XXXX, I received a phone call from Choice Recovery whose a debt collection agency trying to collect on a debt. I told them cease collection attempts since I did not know who they were and to correspond only by mail. About a week or so later I received a debt collection letter indicating I owed close to {$400.00} for 2 bills from something that occurred in XX/XX/XXXX. I then sent certified letter to the company requesting " DEBT VALIDATION '' within 30 days and NEVER heard back by mail from said company. I know after 6-8months creditors and debt collections agencies can add negatives marks to credit report so in good faith on XX/XX/XXXX I called and said I'll take ownership of this balance ONLY IF this debt is NOT placed on my credit profile and setup payment arrangement in which the collector XXXX XXXX OR XXXX setup. On XX/XX/XXXX, I received an alert from credit report that BOTH collections account are now appearing. On XX/XX/XXXX, I contact XXXX and asked why, she said their system shows they sent a response in which I told her I NEVER received, she said she don't know why and they cant update my credit report to fix it issue. THIS IS BEYOND ridiculous. I asked to speak with a supervisor in which I was not able to. This company needs to fix their tactic. How does the consumer have right to dispute debt and NEVER hear back from company certified mail ensuring I received a response from them?
My Wife and I XXXX XXXX XXXX Purchased a XXXX XXXX XXXX in XX/XX/2013 with my wife being the cosigner. We fell behind on the payments and The Vehicle was repossessed. I haven't had the vehicle in my possession in over 4 years. However, Well Fargo dealer services is still charging me for the full amount of the long,  damaging my credit rating. The vehicle VIN Number is XXXX WELLS FARGO DEALER SERVICES Account Number : XXXX ....
Halsted Financial Services, LLC ( T : XXXX ) has been calling me for approximately one month while claiming that I owe them funds on an account, however, as I have explained to them, I was was the victim of the XXXX XXXX XXXX XXXX Data Breach and this account was not mine. To wit, they have not respected this fact even though I have explained it to them. I heretofore request th
at Halsted Financial Services, LLC to CEASE and DESIST all collections activities ( phone calls ) forevermore. Signed, XXXX XXXX XXXX
I have a credit card from barclay which I used to purchase my XXXX XXXX. It was interest free for a year and I made all of my monthly payments. When the interest hit the card it was over {$300.00} which pushed my card over the limit. I have been making all of my monthly payments. None of my payments missed. I called this morning to get a new card because I realized my card had expired. I was informed my card was cancelled because it had a high balance and because of other accounts I have opennwith other creditors. Along with that I was also informed the card company checked my credit periodically reviewing accounts that had nothing to do with Barclay. .As I stated to the manager I was in the process of paying my account down today since I will be going on travel and will need to use the card. The was told I have to re-apply. I do not wish to reapply because it creates a hard credit inquiry. I wished for them to re-open my account. I was then told they can do as they wish with any of the customers they choose, that a letter was sent to me stating they were cancelling my account once the card expires ( a letter I never received ). In my defense I stated it seems unfair to cancel someone card because it has a high balance, with no missed payments. Once I stated this practice seem to be deceptive and an unfair debt collection practice the manager no longer wished to speak with me. I asked for a number to corporate and was informed I could not be provide with that information. I could be given a mailing address to send a letter.