WillisBack/dataset-financial-user-claim huggingface dataset:
I wanted to write you a formal complaint letter with regard to my loan modification. My loan was sold from XXXX to Caliber early this year. I completed an application for a loan modification following the sale. In XXXX, I received a proposal for a trial period of XXXX months. The problem was that monthly payment was the same as my previous, and the proposed terms was not a modification at all, but rather a 5 year interest only payment arrangement. During this time I was out of town for work, when I got back I immediately called Caliber homes to discuss that this was not a loan modification and that the monthly payments needed to be lowered, as due to divorce and other hardships I fell behind on my mortgage payment. However, I also stated that with the right loan modification, I would be able to make regular payments as I have good stable income, been with same company for XXXX years, and I want to keep my home and stay in my home with my XXXX kids. 
Caliber informed me that there was nothing else they can do, because I have missed the XXXX week deadline for appeal, since then I was trying to work with HUD, and other mortgage counseling agencies, with no results. 
I want to insist that Caliber homes review my file and hopefully provide a real land modification. 
I am still working toward and want to find a resolution.
I am a XXXX XXXX so I am part of the PSLF program in order to have my loans forgiven. Part of that process is re-certifying my employment and income each year. On XXXX XXXX, 2017, FedLoan Servicing stated that my new payments would be {$470.00}. I called in to confirm that my employment verification was also received. The person on the phone told me I could have an even lower payment amount if I switched to the REPAYE program and that it was still one of the covered plans under PSLF. I certainly would love a lower payment so I switched. Today, XXXX XXXX, 2017 I received an email that my new monthly amount was {$790.00}!!! Almost {$300.00} more than my previous payment. I would have NEVER switched plans if this was going to happen. FedLoan Servicing said they made a mistake in their original calculation of {$470.00}. I want to go back to my old plan and my old monthly amount.
I have received 8 e-mails, one every 2-4 weeks since XX/XX/XXXX " Important news : XXXX, you're now eligible to reapply. '' Bank began sending these emails every two weeks reminding me of my eligibility to apply for their loan products, last " reminder '' email came on XX/XX/XXXX My last application was XX/XX/XXXX, it was declined On XX/XX/XXXX, I logged in and encouraged with some additional income coming to me and wanting to apply for a loan to continue rebuilding my credit, I took Marcus by GS Bank  up on their offers and checked my eligibility. 
I increased the household income to include my boyfriends salary as we live together now. 
{$110000.00} to {$170000.00} I changed the address on my application and account during the process today online ( XX/XX/XXXX ) From XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX to XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXXXXXX. 
The ZIP code while fairly close together have significantly different overall per capita incomes and demographics. 
I was only given " Time since decline too recent '' as the reasoning for declination on this application, electronically and over the phone The operator I spoke to ( XXXX ) was only able to provide me with the reasoning defined in my Adverse Action letter from XX/XX/XXXX, I was attempting to apply within some arbitrary three month window that I was unaware of based on any available information from Marcus, in writing or online. 
I only applied after a considerable marketing full court press from Marcus by GS. 
After receiving four of the aforementioned emails did I finally apply Then declined or even considered because of this arbitrary time limit. 
I have about {$260.00} in savings there, with direct deposit set-up to send {$260.00} bi weekly for an emergency fund. 
I have not stopped this direct deposit and will maintain my business with them based on how they respond to my complaint. 
They offered to " opt me out '' of further mailings, I declined the offer.
My name is XXXX XXXX I am the Power of attorney for my Mother XXXX XXXX. XX/XX/XXXX the Doctor Prescribed hearing Aide that was not covered by her Insurance. She was forced to sign an agreement to pay off a debt of {$2300.00} dollars. Each time the debt increased with an interest rate of 26.99 % and a late fee that ranged from 25 dollars to 35 dollars. I was not aware of this until recently when requested for an investigation with the Company. The original Contract was with GE Capital Retail Bank and then was changed without notification to Synchrony Financial onXX/XX/XXXX as a credit card account and not a loan, which was original agreement. I have over 60 pages sent by the Synchrony Financial explaining the outrages charges.
Synchrony Bank, during the month of XXXX 2015 closed my Phillips 66 Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Phillips 66 Credit Card account has been closed due to returned payments. The referenced returned payments were additional payments on the account ; any and all payment that was due for the regular monthly payment were never returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.
The lender has failed to respond to our QWR and Notice of error request sent on  XXXX / XXXX / 17  and are proceeding to sale set for  XXXX / XXXX / 17  - the lender is in violation of regulation  X- 12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
I have sent multiple letters and have made numerous phone calls regarding the collection item from XXXX XXXX XXXX XXXX. acct # : XXXX  that appears on my Equifax credit report. I have documentation from the collection agency and phone call verification stating that they have requested Equifax to remove the collection from my report as it is and has been paid in full for sometime. To this date, Equifax has not been in compliance as the collection item still appears on my report.
XX/XX/2018 borrowed $ XXXXand funded to bank account on XX/XX/2018 with first py was supposed to be XX/XX/2018 for XXXX and 12 ph for XXXX to pay off amount borrowed plus interest now looking at paperwork and now seeing 11 of those py have a broker fee of XXXX I was not aware of which includes a fee of interest of XXXX for total of XXXX which none goes to principle or to loan. The 12 py is for XXXX which was never disclosed
About ten years ago I permanently opted out of pre-approval offers from banks. 

Bank of America has recently sent me mail in violation of the do not contact list. They are the only credit card company to do so in many years. They informed me that I can opt out by calling XXXX, but I'm not interested in doing this again just for this bank that won't abide by the original opt out as all other banks do. 

The contact person in my letter was : XXXX XXXX XXXX XXXX, Bank of America The personal code is XXXX
I have a mortgage with WELLS FARGO that is in BANKRUPTCY. I have complied and made all of the payments on time for almost five years. I made arrangements with the taxes and was making monthly payments on my taxes on the home. The home is a reverse mortgage. I paid the loan off. Wells Fargo stated that they paid my taxes without my knowledge and added thousands of dollars more than I owe. They are trying to make me pay XXXX dollars a month on my Bankruptcy. I am already paying XXXX a month and is almost done with my Bankruptcy. I never asked for my bankruptcy to be modified. This is all being done behind my back and without my knowledge. PLEASE HELP ME. THIS IS WRONG!!!
Hello, I am a victim due to Bank of America 's actions. I am currently a XXXX year attending the University XXXX, and during my XXXX break, I was actively seeking for internships. I applied through XXXX XXXX, and one day I received response from one of the companies. That day the company and I had an virtual interview via XXXX. The next day, the company talked more about my details and issued a check which should be used for the virtual internship that I will be doing the XXXX. However, they told me they wanted me to begin training now. After depositing the check, I felt that something was wrong. So I did research and found articles that this internship could be a scam. So immediately I canceled the deposited check or tried too two after it was deposited. However, Bank of America immediately closed my account. I called Bank of America to explain the situation and they told I could do nothing since the check was fraudulent except of mailing evidence to their Risk Management office evidence that I was innocent in which I did. I just think this situation should be reconsidered because I have not used any of the money from the fraudulent check, I tried to cancel the transaction, and that since I am a college student almost about to XXXX a bank account is needed for me ...
To whom it may concern : My complaint is stemming from the credit reporting associated with a Citimortgage account # XXXX. This is a very unique situation because Citimortgage withdrew it 's interest in the property and issue release for the mortgage. This was done without them receiving a payoff. There were circumstances surrounding this account that ultimately made Citimortgage decide to relinquish its interest in the property. In addition to that, it was verbally mentioned to me that Citimortgage will also not respond to any type of credit bureau disputes regarding this account. I inquired about getting the account removed from my credit report. I was told by one of their representatives that I can get it removed from my report by filing a dispute with the credit bureaus. I was assured that given the circumstances surrounding this account, Citi will not respond to the dispute and the account will then be deleted and removed from my credit report. 
I followed the instructions that they gave me and filed disputes and I was displeased when the account did not delete from my credit history.
I filed bk when my son got sick and I needed medication to keep him alive. I did not pay on the 2nd mortgage only on the first. The second mortgage raised the interest rate and I can not pay the higher amount. 

I asked for a modification and I was denied. I want to keep my home.
-Received a collection notice dated XX/XX/XXXX regarding collecting a debt from XXXX XXXX XXXX for XXXX from XXXX XXXX XXXX - Wrote back on XX/XX/XXXX indicating that this was not my debt, I have no knowledge of this and if they feel it is proper, send nature of debt, original paperwork or other documentation. 
- Never received any further correspondence. 
-On a routine check of my credit report at the beginning of XX/XX/XXXX, noticed XXXX XXXX effort showed up on the credit report. 
-Called immediately, talked to XXXX . He took my name, phone number and email and told me XXXX XXXX would be contacting me. 
-After one week and nothing from XXXX , I called back and talked to XXXX again. I asked him to connect me to XXXX, he said she was busy. He gave me XXXX 's email address as well as a general email address and suggested that I email her and register the dispute on the general email address. I sent 2 emails disputing the debt and suggested this was most like identify theft and asked that she acknowledge the dispute. 5 weeks later, I have not gotten a return email. 
- I recently received another collection attempt from XXXX offering to settle the matter for a 25 % discount and threatening further collection action. I did receive with this collection notice a description of debt as well as some personal information on myself that is readily available on the internet such as address, phone number. It also had partial information on a bank account that I do not own and an email address that is not mine. It does not appear that this lender, XXXX XXXX XXXX asked for any form of identification or original signature when this debt was initiated. 
-I send another letter disputing the debt and asked if they could provide any information that this debt was mine.
On XX/XX/2018 at XXXX PM I received a phone call from a man asking me for my date of birth. I was uncomfortable giving out that information because he would not tell me who he was. He told me the date of birth he had on file and I confirmed it was me. After confirming who I was, he then told me he was a debt collector from XXXX XXXX and that he was attempting to collect a medical debt from me for around {$500.00} or so. I told him that I was not in a comfortable enough financial position to pay the debt at this time and proceeded to get an attitude with me. He told me that it was noted in their system that they had spoken with me at the beginning of the year and that I had promised to pay the debt when I received my income taxes. I didn't promise anything! I told them that I would try to pay the debt with my taxes if I could, but I had to use that money for my sons braces and glasses and that I'm a struggling single mom. I told him that this old medical debt was not a priority for me at this time and he told me that the doctor I used made me a priority when I needed him so I should make paying him a priority! I became extremely offended by that statement and told him I felt like he was trying to give me a guilty conscience. He then proceeded to tell me that he knows I have a credit card and I can use that to pay the debt! I told him that what I use my credit card for is not his business or his decision and not to call me again. I notified his supervisor of the conversation and she said she was going to listen to the recorded conversation and resolve it immediately and that he should not have approached me that way. The debt was from an emergency room visit before I had medical insurance and the local charity hospital had been closed. The ER visit was for a minor medical issue. but I did not have a regular physician at that time to go to.
I was in contact with Equitable Acceptance about cancelling my contract with them. I also asked for a refund of the {$650.00} that i put into this business for them putting my school loan on hold for a year. Thats something i could did on my own for free, my school loan is still the same balance and i want a full refund of the money i put into this company. I was told i can take this to the states attorney which i do not want to do because it shouldnt take that. But Ive waited for two weeks for a response and havent got one.  When i call the company they say they have no file with me anymore its through titan prep. Which Im not contracted with them either. I paid Equitable Acceptance, so equitable acceptance should be refunding my money. I could use that money and actually apply it towards my school loan, since thats what i was told it would wipe away my loan.
I requested a credit limit increase and, without my knowledge, pulled a hard credit check which affected my credit score. Totally unprofessional and illegal. 


Congratulations! We are pleased to approve your request for a higher credit limit on your account. Your new credit limit is {$28000.00} and is already available for your use. 

If you have any further questions about your account, please call us at XXXX or visit Citi Online. 

We value you as a customer and appreciate the opportunity to serve your financial needs. 

Sincerely, XXXX XXXX Please
I paid {$10000.00} to reinstate my mortgage on XX/XX/XXXX. I was told the amount included XX/XX/XXXX payment. I spoke to several consumer service representatives that confirmed that my mortgage was paid untilXX/XX/XXXX. I filed a complaint on XX/XX/XXXX after receiving automated calls that I owed for XX/XX/XXXX. I received no response until XX/XX/XXXXwhere Mr.Cooper/Nationstar admitted they had miss informed on me XX/XX/XXXX ( 10 days after the payment was accepted ) and incorrectly applied my mortgage payment to legal fees. The explanation is unacceptable the restatement amount should have included legal fees. The representative on XX/XX/XXXX ( which was recorded ) told me no legal fees were on the account. I had him check three times if the reinstatement amount was correct. He confirmed it was then I paid the amount requested that day. On XX/XX/XXXX I spoke to XXXX XXXX in response to a letter I was sent by Nationstar/Mr. Cooper saying I would have to request that the mistakenly applied mortgage to the legal fees be reversed to be applied to my mortgage. I ask her to reverse the payment to its original intent. I dont understand this, if Mr. Cooper/Nationstar admitted they made a mistake why would I have to call them in order for them to fix their mistake. Also, it isnt legal to quote a reinstatement amount and accept the payment then say it was an accounting error. Especially, when 3 different representives confirmed I paid the correct amount through XX/XX/XXXX. Now they have a demand letter saying Im 3 months behind when Im 2 months behind.
I am unemployed for several months now. I have informed the company about my situation monthly. All they are were worry about is when I will make a payment. You are x days past due so when can you make a payment. I just told you I was unemployed and I send what I can. They did not offer no long term solution to help at all. 
I am having a financial hardship at this time but they do not have a program to help out. This is very disturbing to me. 
During the week of XX/XX/XXXX - XXXX, XXXX, the vehicle was repossessed. I was very upset about the situation. I called the lender and ask how much to get my vehicle and they told me {$3100.00}. I could not believe this to accumulate more fees to someone that is unemployed. I have had this loan since XXXX and been paying what is due. You should know something was wrong if the payments were not getting paid in a timely manner.
The most recent call from Allied Interstate came today XXXX XXXX, XXXX at XXXX am. They hide their number which is ( XXXX ) and get rude and belligerent with when you tell them they have the wrong number that XXXX XXXX XXXX does not live here and you do n't have contact information for him. 

They call my home and cell phone numbers constantly harassing and abusing me for XXXX XXXX XXXX and I DO NOT KNOW THIS PERSON.
HIPAA violation no knowledge inaccurate medical bill collections on my Experience credit report. FTC ID Theft Report # XXXX
XXXX Service keeps calling and calls under different # 's continuously. 
XXXX called on XXXX, XXXX ; on XX/XX/2018 @ XXXX, XXXX, XXXX, XXXX : XX/XX/2018 @ XXXX, XXXX, XXXX, XXXX. They call at least 4 times a day. I believe it is Citibank because I missed one payment. 

Ridiculous. I also believe they call under these other numbers : XXXX, XXXX, which puts their calls at 12 a day. They are relentless!
I made a purchase at XXXX XXXX XXXX online on XX/XX/XXXX for {$950.00} and another on XX/XX/XXXX for {$760.00}. I was billed for {$950.00} and attempted to pay this through the telephone automated system on XX/XX/XXXX. The automated call said " thank you for your payment '' and I assumed all was well until I received a letter in the mail that the payment did not go through. I followed up the letter with a phone call to XXXX XXXX on XX/XX/XXXX and spoke to a human who took my debit card information and assured me that I now had a zero balance for all purchases made to date including finance and late charges. On XX/XX/XXXX I received a phone call from XXXX XXXX The gentleman told me XXXX XXXX XXXX actually owes me money because I have a credit for {$2600.00} and I know I did not purchase that amount of merchandise. He said I had to contact Customer Care during regular business hours. I called XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX to straighten this out. The XXXX women I spoke to did not have any record of a {$2600.00} credit but they said I now owe {$800.00} for the XX/XX/XXXX purchase plus late fees and finance charges on that bill which I never received AND I was told on XX/XX/XXXX that I was at a XXXX balance for all purchases made to date. I asked if I paid this bill will I have a XXXX balance and she said yes. Again, incorrect as she did not mention a {$2.00} purchase I made last week. More late fees and finance charges would have been added to that. It seems to be their policy to ensure there is always a lingering charge the consumer is not made aware of so they can continue to add finance charges and late fees.
I called XXXX XXXX XXXX ( XXXX   ), which is the number on their website and they stated the card was not registered. I explained I had received the card as a gift and informed them it should have a {$100.00} balance, however the representatives response was it is not a registered card no other options were offered.
Loan Number ( Loan # XXXX ) XXXX XXXX XXXX XXXX SC XXXX We were notified XX/XX/XXXX that the servicer BSI Financial had no record of us having insurance for the period of XX/XX/XXXX- XX/XX/XXXX therefore the company BSI must force us to pay an additional {$310.00} per month on our payment due to escrow shortage. This address is listed below : BSI Financial Services XXXX XXXX XXXX XXXX XXXX, PA XXXX To remit overnight payments, mail to : BSI Financial Services Lockbox Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Customer Care Phone : XXXX Customer Care Fax : XXXX We took the following actions called them on XX/XX/XXXX, called on XX/XX/XXXX and faxed on XX/XX/XXXX still no corrections made and they are changing our payments to {$1500.00} effective XX/XX/XXXX. This is not fair to us because the error was made BSI Financial. We want payments corrected
The medical facility already received {$790.00} from my insurance company, based on the improper level of care received, I am not responsible for the {$75.00} co payment, it is fully disputed. Letter below was sent to the President of this facility. 
Via E-mail XXXX XXXX XXXX, President/CEO RE : XXXX Triage Date : XXXX, 2016 Medical Record : XXXX Dear Mr. XXXX : I am writing you in regards to my experience at the above captioned facility, the care in which I received was horrendous and has resulted in never patronizing another facility within the XXXX. The only reason why I visited this location was due to the fact that my XXXX at XXXX is affiliated with this hospital. Possibly, the Physicians in which you contract with XXXX should be vetted more appropriately, as ultimately, this has a reflection on your health care system. The care received by Dr. XXXX, was less than ideal, after approximately two hours of care, I was discharged in worse condition than upon my arrival. My cell phone picture of the monitoring machine taken on XXXX, 2016 at XXXX., shows a XXXX of XXXX and upon walking to the parking garage with my companion, I XXXX twice. However, your emergency department assumed that I received stabilizing treatment. In fact, I was a patient at the emergency department of XXXX for the same issues on XXXX, 2016 for a total of fourteen hours vs. the two hours at your facility. Obviously, the medical records between the XXXX facilities will show a vast difference in the level of care received. However, I am most sure, your medical records will be falsified to reflect that I was resting comfortably on the stretcher upon discharge.
I 've recently been noticing my credit score going down. Today I got a full report and it shows that there is a XXXX XXXX account that belongs to my father under my name. We have the same names, I understand how this happened but it should n't of happened because whoever inputted the data should of properly done their job and looked at social security numbers instead of our names. Please take the necessary actions for this account to be taken off of my record. Thank you.