WillisBack/dataset-financial-user-claim huggingface dataset:
Tried to get a modification due to hardship of divorce, loss of income. Submitted documents required and they gave me the excuse of the bottom of pay stub being ripped. They gave me the run around continuing to ask for more documents and claiming they didnt receive them. Her father had just passed away and lost all hope of everything including saving home. When I came in as third person party to help I got the auction date postponed. And started the process all over again for modification. This company has done nothing to help my client. Long story short they denied her the modification again so we went into short sale option. Now they have denied her the short sale at the last minute.There is no reason for them to deny the short sale. She has 13 offers on the property. I have detailed notes of each conversation dated and the person that I spoke with. I am at a loss as to how to help my client. She can possibly lose her job over this due to having a foreclosure on record it is considered suspicion of character. I have reached out to XXXX XXXX XXXX XXXX XXXX but I am not sure they can help. I need to help this family. This lender is fraudulent and corrupt and they need to have consequences.
I have sent certified letters to get my personal info corrected on  XXXX / XXXX /  XXXX   and  XXXX   XXXX  and have also called all   XXXX   of them on. Several occasions to get my personal information updated and inquiry 's removed. I keep getting the run around and they continue to report addresses that are not valid, work history that is invalid and continue to have more than one name associated with my account. Several of the inquiry 's are not valid and they tell me to call creditor ... .I sent creditors certified mail and they tell me they can not remove they credit bureau has to do it ... ..I am exhausted with the effort of trying to correct my reports from all  XXXX  major bureaus to no availe
I have requested an adjustment on my escrow amount for property taxes. First, I asked the mortgage origination company representative XXXX XXXX to not escrow since I was making a substantial down payment. She told me it was too late in the process to change it but as soon as my mortgage got sold to a servicing company they would waive it. 

When I was notified that Roundpoint Mortage Servicing Corporation was now handling my mortgage, I contacted them and requested that escrow be waived. They told me I had to have one year of on-time payments before they would review it. I pointed out that my tax bill was {$520.00} and my current escrow amount is {$4300.00}. And, an additional {$330.00} would be added to my escrow balance each month with my payment. 

They said they didn't have the bill from the county. I emailed them a copy of it and contacted them again today. Now, they say they need eighteen months of on-time payments before they can review my escrow account. At that rate, they will have over ten times the amount of money in escrow that they need to pay my taxes. This is unethical to me.
I had co-signed for my grandson for a XXXX student loan thru SallieMae and had payment arrangements of {$100.00} a month which was automatically taken out of my checking account. I then closed my bank account. My grandson was going to take over the payment arrangements so he mailed in a new automatic debit authorization form with his bank information but the payments were never withdrawn. We remailed the forms many times and also faxed in the forms many times and even uploaded the form on the SallieMae website but the payments were never withdrawn. SallieMae kept calling us saying they never received the payments but could never tell us why the payments were n't being withdrawn from his bank account. We would list his checking account information and his debit card information on the automatic debit form. SallieMae wanted us to give the banking information over the phone but I did n't feel comfortable doing that when we had already mailed, faxed and uploaded the automatic debit authorization form numerous times. SallieMae then referred our account to a collection bureau by the name of XXXX XXXX XXXX XXXX XXXX. I do not feel this is fair when we were trying to make the payments. I do not want my nor my grandsons credit wrecked over this.
XXXX 's account number XXXX High Balance is reflecting XXXX dollars however the balance due is reflecting reflecting {$1000.00}. The highest balance being lower than the balance due doesn't make sense. This is a violation of the FDCPA delete immediately I disputed with Experian, XXXX XXXX, XXXX and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is a violation of the FDCPA and needs to be removed.
XXXX -- Sallie Mae purchased loan and required everyone to pay for transcripts and mail proof residence every semester, and some people who moved -- which is NOT unusual, as students typ. 'ly go home every semester end, and re-rent a new place with a new address -- where some students didn't get the memo, that we were required to pay for transcripts and tell Sallie Mae , that we're Still FULL TIME STUDENTS -- look .... 

The GSL program does not require students to prove they're a fulltime student, nor prove where we live -- so if we did not, over 1,000s of students were denied their right to receive their financial aid disbursements, as they were told upon returning to college -- we were in default on a loan that to this day has never been told to me why the loan was in default. 

I wrote about five letters to Sallie Mae, so far, one in XXXX, and another in XXXX -- to this day they have not responded, only stating once on the phone in XXXX, saying they have done no wrong. 
Tell me, if the GSL program through it's own program, " ... no student can be denied ... their right to an education through the GSL program ... '', yet, I was denied my Financial Aid that school semester, XXXX where a class I needed to graduate was only offered that semester, and where I was forced to pay restitution and consolidate my loans, thus increasing the overall average interest rate .... 
Under Title IV Monies -- this debt is no longer valid, having been denied an education, and being denied the right to receive what was my right under this program written under this statue to protect the student, " ... where the student shall bear no harm through this program .... '' Over calling all peoples ... attorneys, Sallie Mae, XXXX, XXXX ; the Department of Education -- no one is answering the call as to why my loan was defaulted, and where frustration to pay for something that is and was and will always be illegal, and possibly criminal for corporate greed, as these loans were guaranteed to be paid to Sallie Mae without loss, IF THEY SHOWED THE LOAN WAS IN DEFAULT, they were able to get fees and interest paid in addition to loan amount, and why you have received this complaint. 
The GSL program on the promissory note ( one-page ), says to keep your Name ; Address ; and Phone Number current at the University, and maintain a GPA of 2.0 or better .... 

This was done, and yet, I was defaulted, and where no Government, nor Private entity has ever state to me why was I harmed by the use of GSL Program. 

Note : It is believed, numerous other Students were also harmed by Sallie Mae, when defaulting student loans wrongful only for interest and fees for profit to get money immediately through defaulting student loans, even IF they meet all criteria of the Guaranteed Student Loan Program, and Title IV Monies implemented by the United States Government, to Federal Law ... .in an effort to aid students less fortunate .... 

Thank you for your time.
To whom it may concern : I am having issues with FedLoan Servicing accurately counting their monthly payments as qualifying towards Public Service Loan Forgiveness. 

I consolidated correctly back in XX/XX/XXXX and began paying my first payment in XX/XX/XXXX with  XXXX XXXX and XXXX  XXXX and have been on qualifying repayment plans since then. 

I have also completed Employment Verification Forms since then, which have been accepted. I have always made automatic on-time monthly payments while working for approved employers. I worked full time for a non-profit University from XX/XX/XXXX to XX/XX/XXXX and currently work as a full time XXXX  XXXX from XX/XX/XXXX to current without a break in service. 

XXXX XXXX is telling me that some monthly payments have not counted because of various deferments and forbearances on my account which I know nothing about! I have never applied for any type of deferments or forbearances. 

Customer services representatives give me different information each time I call. Six months ago, I requested a recount of my qualifying payments and one administrative forbearance was removed in the process. Since then I have requested ( in writing ) documentation of the other alleged deferments and forbearances as well as a list of which monthly payments have not qualified. I have not heard from them at all. 

On XX/XX/XXXX I received my monthly statement indicating that my Qualifying payment under PSLF program were 81. 

On XX/XX/XXXX I received my monthly statement indicating that my Qualifying payments under PSLF were now 75. 

On XX/XX/XXXX I made contact with myfedloan.org Customer Service Rep ( XXXX employee # XXXX ) and explained that I have documentation from Fedloan Servicing stating as of XX/XX/XXXX I have made 81 payments under the PSLF Program. XXXX informed that she would submit my request for investigation and would receive a response in 90 days by XX/XX/XXXX. 

On XX/XX/XXXX Customer Service Rep ( XXXX employee # XXXX ) stated its a system issue. 

On XX/XX/XXXX Customer Service Rep ( XXXX employee # XXXX ) After submitting my yearly employment recertification my PSLF Qualifying payments were incorrectly adjust to 57 on one loan and 59 on another loan. 

Please help, Ive devoted my career as a public service employee and have abide by the rules of the PSLF program. I feel that XXXX XXXX is not accurately counting my qualifying payments towards the Public Service Loan Forgiveness program.
My current home loan was originally created with my husband as the borrower and myself, his spouse, as the co borrower. My husband became unemployed and we were unable to make our mortgage payments. I was a stay at home mother of our XXXX  children. We qualified for a modification that was completed in XX/XX/XXXX. At this time I went back to XXXX school, completed my XXXX XXXX   and have been employed for a year. My husband stopped making payment on the home again. We were divorced in XX/XX/XXXX. I received a signed Quit Claim Deed through the divorce on our property. The home fell into foreclosure once again and I was instructed by the court system to apply for a new home modification using all of my current information. I was also awarded custody of my XXXX minor children. We are currently living in the home. I should mention there is also a {$23000.00} insurance claim that my home loan mortgage company Mr Cooper is holding for repairs that have been held by them illegally. They have received all the document but keep telling me they need more.. They have done two home inspections that passed and still no funds have been released to date. I contacted XXXX XXXX  with The Fair Housing commission locally in my area of XXXX Ohio. He and I have spent countless hours on third party lines recorded with Mr Cooper to try to find options and answers. He suggested that I contact your service. We have tried to get them to release the funds to complete the work on the basement so I may move forward and sell the property. We also looked further into applying the funds to the current reinstatement amount. I feel I need assistance and support because I have been victimized by Mr Cooper holding the funds and not working with me to keep my home or to sell it. They have held the funds for two years. I currently have equity in the home.
I have a bunch of private loans that I have been paying to XXXX and then to Navient since I graduated. All loans were taken out pretty much on a year basis. Now that I am repaying them I have yet to see my balance go down at all ( 8 years later ). My interest rates keep increasing. When I called I was told to enter the Forbearance program and even deferments. However, no one told me there would be interest and my payments would get even higher. In addition, they had processed a few payments over the years incorrectly and then charged me with " late fees '' and other fees added on top of my loan. I am currently paying {$860.00} a month. When I asked if I could release my co-signer they said no. No information on the process. I also got into a car accident in XXXX and XXXX with a doctors letter and received a handicap sticker for my car until XXXX. I was given no breaks in terms of paying my loan. If I did not pay, then they told me they were coming after everything I owed and my co-signer. So I continued to either stress to pay or enter in a forbearance. I was never explained the full details of entering into a " Private Loan ( s ) '' at the age of XXXX and never told that even your deferments/forbearance could run out. Which apparently mine has. They told me I am ineligible for anything else to help me and my situation. My dad had XXXX of the past year and I still had to come up with the payments. I have had my credit tarnished for years and they continued to raise my payments causing me to have to get behind a little but ALWAYS paying. I was told my loan because its a bunch of private loans can not be lowered and can go as high as {$2000.00} a month. Something I will not be able to afford. I did n't even know about the " Income Driven Repayment '' plan as they told me only what was available for private loans. I have n't seen my loan decrease since I got out of school yet my payments keep going up. At this rate I have another almost 25 years ( be in my XXXX ) until its paid off. I am complaining as I was not accurately informed of all of the above and then by the time they " changed their system '' and started informing you I was already out of options left to pay the full payment per month on auto-pay. Saving me nothing. I was also told I could not consolidate and nothing about forgiveness. I feel like I was lied to about all of the above and I want to know why my payments are not bringing my loan down.
I submitted a Qualified Written Request to " Specialized Loan Servicing '' on XXXX XXXX, 2016 to request a deletion letter for an item on my credit report and they failed to send me a response. The first time I called on XXXX XXXX, 2016, the representative told me just to submit a QWR and it should be no problem to delete the item since it is an error. I asked if it was OK to send by FAX. She said yes and gave me the SLS FAX number to send it to. 

A few days later, I called to make sure they received the letter and the rep said yes they received it and would have a response for me within 30 days. After 30 days had passed, I called to check on the status. At that time, they told me they had 30 business days to respond. 

On XXXX XXXX, I called again to check on the status. They said a letter was generated on XXXX XXXX and sent out. I told them I never received it, and they said that there was an error and they would have to send it back to their credit dispute department. I asked for a manager to call me. No one ever did. 

On XXXX XXXX, I called again and got the same run around. I asked to speak to a manager but no one was available again. They told me once again that a manager was going to call me back but no one did. I have not received anything from them. When I asked what address they sent the letter to, they could n't tell me. My current address is clearly printed on the Qualified Written Request letter. I also included 1 ) my credit report and 2 ) my marriage certificate with my name change, which SLS requested when I spoke to them the first time. 

SLS information is as follows : Specialized Loan Servicing XXXX, CO XXXX FAX : XXXX XXXX
Calls repeatedly from different numbers. Called at home and work. Made threats about attorneys. I do not owe this Company, however, they are not interested in hearing what I have to say.
I recieved a Debt Collection letter from Aldous & Associates PH : XXXX on XX/XX/17 regarding a phone purchase at XXXX XXXX, in which is a XXXX party retailer for XXXX XXXX. Upon getting a XXXX XXXX XXXX plus there was an agreement to pay XXXX in 24 month installments a set amount per month on top of the monthly phone bill. Since I didnt keep my XXXX account longer than 6 months, this company XXXX XXXX is trying to charge me a {$600.00} fee for cancelling service in which should not be allowed as I already agreed to pay {$840.00} for the phone and then another {$600.00} for cancelling. Thats {$1400.00} for a XXXX XXXX at which at this point is being sold illegally against XXXX XXXX, as a retailer can not charge no more than the actual retail price. XXXX XXXX and thier collections agency is a scam and trying to collect twice on the phone. XXXX XXXX does not explain or advise there is a {$600.00} fee if you decide to cancel in less than 6 months. I am requesting that this company is looked into and investigated as I plan on taking further legal action that could result in a lawsuit. XXXX XXXX would not discuss the issue with me when i previously contacted them about their letter i recieved dated XX/XX/17. The management there was rude and hung up. The rep i spoke with at the debt collection agency had no clue about the CFPB and didnt know whether or not if they have ever been in compliance with the CFPB.
Me and my husband filed for ch XXXX bankruptcy. Two of the credit bureaus report just 1 bankruptcy but equifax is reporting two on my credit report with the same date and info as each other. For some reason they cant understand that they are showing a duplicate bankruptcy. This is caused me to be unable to buy a house on two different occasions because they will not do a loan with more then one derogatory mark on my credit report. I have only ever filed for one bankruptcy and could not file 2 on the same day with all the same information.
I have submitted the original dispute concerning XXXX XXXX XXXX account closed XX/XX/XXXX to Equifax. Eqifax may or may not be investigating, but they have as the result of my dispute submission placed misleading information on my credit report. One statement made on XXXX/XXXX/XXXX states : " XXXX days past due - XXXX XXXX XXXX XXXX ''. Another alert dated XXXX/XXXX/XXXX states, " XXXX XXXX XXXX has flagged your account as Not more than XXXX payments past due ( 2 ). Potentially Negative Alerts notify you when one of your accounts has information that may negatively impact your credit score. '' My original dispute was about the report from XXXX XXXX XXXX. After my house was destroyed by fire on XXXX XXXX, XXXX, I sent XXXX XXXX XXXX an insurance check which I had endorsed for the payoff of the mortgage. This check was mailed around XX/XX/XXXX. I continued to receive bills and past due notices from XXXX XXXX XXXX. Then in XXXX XXXX, I received a statement from XXXX XXXX XXXX showing that my payoff check went into an account they had established in my name without my knowledge or consent. At that time I contacted XXXX XXXX XXXX and was told that it was their policy to not accept payoff on a mortgage without a written notice from the account holder. I complied by sending a request for payoff. It is interesting that although the check was for quite a bit more than original payoff amount, I received no refund for the additional amount. They accepted the check without refund or asking for additional funds. I find that too strange for coincidence. XXXX XXXX XXXX XXXX should be able to verify that they did provide the check for payoff.
On XX/XX/XXXX and XX/XX/XXXX, I transferred a total of {$2000.00} through XXXX that is backed by my bank, PNC bank. 

It turned out that it was a scam and when I went to PNC Bank to report the fraudulent transaction, they told me that there was virtually nothing the bank can do and for that matter, XXXX as well because it was a peer to peer transaction. 

However, I believe this to be an unfair practice because the website for each entitty, does a poor job in disclosing what type of fraud transactions it will protect and not protect. The one thing each entity does well is make a consumer feel that their transactions are very secure since they are backed by the bank ( s ). 

At some point, the banks need to be held accountable for this unfair and deceptive way of advertsing in this virtual world of financial transactions. 

XXXX should be investigated and be held accountable as well cause they have a weak security system, making it very easy for scammers to steal money from victims.
I had an account close in 2014 with XXXX XXXX XXXX. When I went back to work I paid XXXX XXXX XXXX. XXXX XXXX XXXX  allowed me to open another Credit Card With them. However Midland Funding is reporting this as an account in collections and outstanding.

I sent for validation of the debt to Midland Funding explaining that I already paid this debt years ago to XXXX XXXX XXXX, However Midland Funding just ignores my disputes and request. Yet they continue to report this inaccurate information on my credit file
I have a mortgage with Seterus Company, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX. I have an automatic payment process through XXXX XXXX XXXX that pays them on the XXXX of each month for the upcoming month. In XXXX 2015, I mailed in a {$20000.00} check and wrote apply to principal XXXX places on the check as well as a letter stating the same. Seterus applied the check to XXXX future payments and applied only a portion of the check to overpayment. After numerous phone calls, emails and a letter from the Attorney General of Arizona my {$20000.00} was applied to principal. Immediately after, Seterus without my consent changed my monthly automatic payment and applied it to principal instead of payment and charged my a late payment fee. This is gone on every month since that and when I call I get statements such as " Your Bank is not paying right '' and " The computer made a mistake ''. Now their creative accounting applies the payment on XXXX XXXX to XXXX XXXX and XXXX XXXX to XXXX payment. This is incorrect and allows Seterus to ( wrongly ) collect additional interest. This company states it does not charge prepayment penalty but I feel this is what they are trying to do.
In 2009 we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.In 2009 we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.
I applied for a XXXX Credit card through Synchrony Bank in the middle of XXXX 2016. I was denied credit and later sent a letter dated XXXX/XXXX/2016 in which it reported i was denied because of " Bankrupcy Proceeding, credit Counseling or Creditor Settlement ''. It said its decision was based on information from XXXX. I contacted transunion and they report that Synchrony Bank did pull my credit BUT that there was none of the above information listed on my credit report that I was denied. I then call and talk to Sychrony Bank and they cant give me a reason for denial but then one agent reported that the credit bureau denied me which is false because that 's not how it works. No one including supervisors could tell me an accurate reason for being denied credit.