WillisBack/dataset-financial-user-claim huggingface dataset:
We had a HELOC with XXXX bank which was to mature at the end of XXXX XX/XX/XXXX We applied for and received a modification for a fixed rate of 4.75 % for 300 months. Letter is attached. We ratified this modification with a payment on XXXX XXXX XX/XX/XXXX and continued to pay the required amount, {$830.00} on XXXX XXXX, XXXX XXXX and XXXX XXXX. See attached statements and XXXX payment letter from XXXX. Specialized Loan Service, LLC took over the servicing of the loan on XXXX XXXX XX/XX/XXXX. See attached letter. We sent our XXXX payment due on XXXX XXXX. See attached check with date stamp of XXXX XXXX XX/XX/XXXX at SLS. They returned our check and never cashed it. I called and was told they had no information of our loan modification and could only accept the full balloon payment of {$140000.00}. See attached statement. On XXXX XXXX XX/XX/XXXX I was advised that I should fax them the information of my modification and then I could make payment. I did so and authorized them to withdraw the payment directly from my account. See attached XXXX XXXX notification of payment on XXXX XXXX XX/XX/XXXX. I set my payment for XXXX XXXX, XX/XX/XXXX to be sent from bill pay from my bank. It is now XXXX XXXX and the payment has not cleared. On XXXX XXXX, XX/XX/XXXX, I received a check from SLS on their check stock for the amount of my payment which they withdrew On XXXX XXXX. See attached. I have not cashed this check. I called them again of XXXX XXXX XX/XX/XXXX, and they are again stating that they can only accept the full amount of the balloon payment and informed me that I am 36 days in arrears. I am making this complaint to document that I have attempted to comply with my loan agreement as established by the previous loan servicer. I am not getting any help from SLS at this point and am worried about what they may do to my credit. Other complaints about this company have a similar story.
I applied, was approved, and was set to close on a loan from Capital One with and Adjustable Rate Mortgage for {$150000.00} XXXX ARM at 3.625 % interest. All necessary documents and supporting documents were submitted and approved, appraisal came in significantly higher than the purchase price. The loan was set to close on XXXX XXXX, XXXX. On Saturday, XXXX XXXX, XXXX I received a notice of denial for my mortgage. The Document lists no reason for denial other than do not offer terms requested Upon receipt of the denial I reach out to 3 different people involved with my mortgage application including the Mortgage Loan Officer. No response was received for a couple of days despite numerous calls and emails. Once I spoke to the Loan Officer I was told this has never happened to him 'except maybe once '. He also informed me there was no additional information he could provide me to explain the denial. I asked for a reimbursement for expense paid to which I received no response. XXXX XXXX I sent a certified letter to Capital One asking for a reason for my loan denial. 2 month later I still had not received a response. 

Upon recently Calling Capital One and speaking to a support specialist she was unable to offer any other reason behind the denial and asked for some time to research the issue. Following up on the situation she informed me the reason was due to unable to verify employment. This response contradicts the Statement of Denial which specifically has various boxes to mark in regards to denial reasons for verification purposes. The reason selected appears to have been written in a blank space which specifically state do not offer terms requested My previous loan 2 years prior through Capital One was approved with a loan amount of {$130000.00} XXXX ARM at a similar interest rate. My credit history and income had only improved since and easily supported the terms applied for. Employment history also had not changed. Upon receiving denial less than 2 weeks before closing I was forced to close on a loan at a higher interest rate at less favorable terms and was ultimately unable to shop for a new mortgage.
The person calling Identifies himself as XXXX XXXX from JPL. Would like to talk to me about legal matters. He has been calling and harassing my family members, sons, parents, my sons girlfriend parents, my ex wife and so on wanting personal information about me. He keeps persistently calling when told not to and threatens to keep calling everyone related to me or friends of mine until they tell him the information he wants about me. I have not received any mail Correspondence regarding this business. I feel this is beyond harassment. This company should be shut down! I dont even know if its a legitimate company or some kind of scam. The phone number that has been calling : XXXX
I 'm with bank of america every time. I use my debit card the funds for that transaction are placed on hold. I had a transaction to go thru and the funds were n't there to cover it. I was charged {$35.00} since which cause everything processing to bounce and I received additional overdraft fees on XX/XX/XXXX. On XXXX XXXX I received and overdraft fee for my account which did n't have XXXX to cover a transaction all these are debit card purchases. I feel like a {$35.00} fee on XXXX is crazy when I was inquiring on how to file a suit I was referred to this site. So before I take any more actions I 'm going to see how this site helps
On XXXX XXXX 2013 XXXX XXXX signed a Declaration of Mortgage Servicer Pursuant to Civil Code 2923.55 ( c ) The mortgage servicer has contacted the borrower pursuant to California Civil Code 2923.55 ( b ) ( 2 ) to " assess the borrowers financial situation and explore options for the borrower to avoid foreclosure '' Thirty days, or more, have passed since the initial contact was made. THIS IS A DELIBERATE LIE ON BEHALF OF XXXX XXXX XXXX XXXX  committed Perjury by false affidavit. Criminal law 2641 and should be charged accordingly.
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My HOBR were violated and then ignored. This act was deliberate and contiguous to the methodical deceptive and unjust behavior. I never received a NOD nor was one posted on my property. I never even knew that it was filed until I learned about the auction date that was set.
Hello, I opened up a Citibank Account Package on or near XX/XX/2018. This included both a checking and savings account. During the opening process, I included a bonus code XXXX, which provided a {$400.00} account bonus if {$15000.00} was maintained for 60 days. This promotion was open during XX/XX/18 to XX/XX/18, although it appears to be an active promotion. On XX/XX/2018, I deposited {$15000.00} into the account. On XX/XX/2018, the 60 day requirement was achieved. Per the terms with Citi, Citi had up to 90 days to properly fund my account with the {$400.00} bonus. After numerous attempts to confirm my account was in good standing and eligible for the promotion, I was able to finally speak with a CSR at Citi to confirm everything was set for the funding of the bonus by XX/XX/XXXX. Today is now XX/XX/XXXX. I attempted to contact Citi again to ask for the delay with no appropriate explanation. After being on the phone for about an hour on hold, I've decided to give up attempting to contact Citi in an appropriate way. This has gone beyond a reasonable attempt to reach this bonus.
I have not been receiving any monthly statements ( or periodic statements ) From Bank of America, N.A., since the new federal rule, which went into effect on XXXX XXXX, 2014, requires monthly statements be sent out to homeowners. 
XXXX
this is not a duplicate request. 

on XX/XX/2018 I received a response from the Experian company stating that there are no longer 2 bankruptcies being reported, ( at the time of my complaint there were ). the chapter XXXX bankruptcy that was also being reported also has been removed and unable to be verified. the Experian company continues to violate of the fair reporting care act. the information that was being reported in the chapter XXXX that was removed due to invalidation, is the same invalid information being reported in the chapter XXXX, this bankruptcy is not mine. please remove the chapter XXXX bankruptcy that is also invalid from reporting on my file. I will attach the letters from the courts as they have no bankruptcy reporting under my name, also the furnisher of this information has verified that they have not supplied the Experian company with this info which means Experian is being deceitful on not forthcoming on the results of this dispute. I have provided Experian with all the information and request as required by law in getting them to stop reporting this as it is harming my reputation and my good name. I HAVE NEVER LIVED AT THE ADDRESS REPORTING THIS BANKRUPTCY AND I HAVE GIVEN THE FTC REPORT AND POLICE REPORT TO PROVE THAT THIS ADDRESS IS NOT MINE
I have disputed an item on my TransUnion credit report 4 times sent a written request that they investigate/remove an collection account from XXXX XXXX XXXX for {$140.00}. Each time the dispute comes back as " Verified '' as my account but they do not show any proof as to why/how they could " verify '' the account as being mine. I want a REAL INVESTIGATION to be done by TransUnion that will show that this debt can not be mine.WITH PROOF! It is impossible that this account can be verified as mine because I have never done business with this company or the original creditor. Please assist me in getting this item removed from my credit report. P.S this item is a medical collection account and I can show that I have had health insurance for the past 20 years with no lapses or failed payments. Theres no way possible this can be my account.
IMC Credit Services contacted my employer, and communicated to them that they were a debt collector trying to collect a debt from me. In addition to verbally telling my employer about this, their caller ID shows " COLLECTION AGENCY '' as the registered name for the phone number.
in XXXX I received a private XXXX XXXX loan, which was serviced by Navient. After XXXX XXXX I fell behind on all of my loans because I was unable to find a job. I 've since brought all of my loans current. However, I was unable to work with Navient at all and they charged off the account in XXXX, XXXX. They called both me and my elderly mother insistently and told her they were going to take her house away if she did n't pay. As a result she paid Navient {$5000.00} in XXXX, XXXX. Since XX/XX/XXXX Navient has reported the account as a charge off -- however every single month they renew the account on my credit report with an increase in the balance. The account is currently reported as a charge off and the balance has increased to {$16000.00}. In XXXX, XXXX I contacted Navient to see what I could do about this loan since despite very hard work to improve my creditworthiness my credit score can not improve because of their continued reporting. I left them a message and my call was returned by a collection agency. I was able to negotiate a settlement with the collection agency and paid the settlement amount in full. However, in XXXX, XXXX Navient again reported the account as a chargeoff with a balance increase of approximately {$100.00}.
On XXXX XXXX, I bought XXXX Litecoin on Coinbase for {$150.00}. On XXXX XXXX, I bought XXXX Litecoin for {$570.00}. On XXXX XXXX, I bought XXXX Litecoin for {$1200.00}. The total comes out to be {$1900.00}. When I tried selling all XXXX of my Litecoin, Coinbase told me that I had to verify my identity before I could continue. What does n't make sense is that Coinbase sent me an email saying " your identity has been verified '' on XXXX XXXX. I filled out all of the fields correctly and the app said it could not locate my ID and that I had to wait 24 hours to try again. However, after a week of trying to " verify '' my already verified ID, it still would n't let me buy or sell Litecoin. I submitted multiple support tickets and tried calling them, but received no response.
I rented a property from  XXXX   XXXX  in  XXXX   XXXX . I left in  XXXX   XXXX  and paid the required early termination about to leave. I received a bill in  XXXX  for an addition {$240.00} for cleaning. I paid a professional service to clean the property prior to moving out so I wanted to dispute the amount. I called the number on the invoice several times and received no response. I finally looked at the website for managers email and send an email. They responded withi n 24 hou rs. I was advised to go onto a link that they sent me and record my dispute, which I did. I never heard back until today when I received a call from a collections ag ency National Credit Systems  that my bill went up to {$600.00} due to electric bills not paid from  XXXX  and  XXXX  of  XXXX . I advised the agent I moved out of the home  XXXX   XXXX  and my bills are paid current. I ended up paying the bill because they threated to put it on my credit report and I cant afford to jeopardize  my credit score.  They said because I had questions about the bill they would mark it as disputed and report it to my credit anyway. I asked to speak to a supervisor and they said none were available. I felt like I had no choice and paid the full balance that included an extra for an electric bill from  XXXX  that I have no idea about. They also called my HR department at my job. I have never ignored a call from my property management company and all my number are valid and working.  XXXX  has  XXXX  numbers to reach  me ( pers onal cell, work cell and work desk phone ). The collections agency said they had no other number so they called the HR department at my job to give me message. That is ridiculous and wrong. I am completely disappointed with the treatment of both companies (  XXXX  and  National Credit Systems ). I paid every bill with th em on time and most of the time early. I should not have been treated this way. Now I am out {$600.00} because I was bullied by the agent telling me she would report it to my credit today if I did not pay. The agent I spoke to said that it was going to be in my credit report regardless if I paid or not since I was disputing the amount. She then refused to take my money or give me a supervisor. She transferred me to another agent. I asked that agent if I paid today will it still report to my credit, she said it would not, so I paid the amount. I asked her for a supervisor and she said she was  XXXX . I told her that the agent before her said she was another agent, I repeated my question are you a supervisor she said yes I am an ac count manager. I asked for a manager again. She  they do n't have managers, I said so you do n't have a boss and there are no supervisor??? She said, ohh yes we have those, but they are not available.
I have had an ongoing issue with Santander since the beginning of our 7 year relationship. However, the most recent being that I finally gave up on them and sold my home. I closed on XXXX. I asked for an " accounting '' of fees I was charged. This proved to be to much for Santander. I was told " oh we found {$400.00} we owe you and they sent me a check for that but that made me even more concerned about charges. I asked for a full accounting and was given the run around for several weeks. Finally someone got back to me and it was to tell me they do n't have to show me their attorney invoices because they are protected under attorney client ... .well if it was for work they supposedly did for my property I would think that would n't fall in that category. Also, why did it take months for someone to say that. They are HORRIBLE at customer service and could not prove all of the " fees '' that were taken from me. I am owed a refund.
XXXX XXXX XXXX XXXX is reporting on my credit report {$580.00} is past due and it's hurting my score.They have never reached out or contacted me in any way saying I owe anything. I have receipts that show my balance with them is {$0.00}.
I filed my Employment Certification form for the Public Service Student Loan Forgiveness program, checking the box that states I am unable to obtain signatures from my previous employers. I faxed my materials with a letter explaining that I work for a foundation in a role that manages grants made directly to my former employer, creating an unethical conflict of interest if I were to request my former boss to sign a document that impacts my personal finances. This could create a power dynamic or be seen as an emolument because I make funding decisions regarding their organization, and this request could be seen as a favor that could weaken the professional integrity of my role. I expected to supply pay stubs to confirm my employment with this agency, but two separate communications with the agency say I am unable to do this, which seems wrong. 

Secondly, I was a XXXX member, working full-time as a salaried XXXX but not making monthly payments toward my federal loans because I was in XXXX and on deferment due to XXXX service. The XXXX awards I earned through this program are eligible to be considered qualifying payments toward the XXXX needed to meet criteria for loan forgiveness. But since I was an employee of the school, not of XXXX, I was told over the phone that I could not claim these awards as qualifying payments, which also seems incorrect. My phone connection was disconnected, no attempt was made to reach me, despite them requesting my contact information at the beginning of the call. I submitted an electronic request for assistance as well, and it has been XXXX days with no response. 
Thirdly, it seems very unfair that no matter how much my total XXXX awards amount to ( I received XXXX full awards ), I am only eligible to qualify for a maximum of 12 months of qualifying monthly payments, even if the awards would amount to more than 12 months of payments. This, coupled with the fact that I am unable to apply for loan forgiveness until after the 120th qualifying payment, and must remain employed at a nonprofit or qualifying employer until the forgiveness is actually processed, and there is no stated timeline for how long that may take on the documentation I 've reviewed, appears designed to minimize the value of this program that has been touted to me as a benefit and has been the basis of my debt reduction strategy for years ( I am paying lower-interest private loans first because they will not be forgiven ). 
Finally, I am recently married, and therefore my Income Driven Repayment Plan payments are now at their max, the same as a 10 year repayment plan would be because we are a dual-income household. But this does n't account for the private student loans I am also paying. Altogether, these amount to 20 % of my gross pay. And the student loan interest deduction credit I claim is XXXX per household, not individual, so my wife and I effectively forego {$2500.00} of tax deductions by nature of us being married rather than single.
I applied for a Citigold bank account with Citi bank XX/XX/2015 with a promotional code. When I applied this code, Citibank verified that it was accepted and that the promotion would be applied to my account. The exact wording for the citigold terms and conditions stated that the offer was available to Citi/ AAdvantage card members that receive this communication. This reward offer was confirmed to have been applied to my account yet Citi is claiming there was NOT an AAdvantage miles promotion offered in conjunction with the opening of my account, even though they confirmed with me that I DID have the promotion available for me back when I applied. Now they are claiming that they do not owe me the reward for this offer and they refuse to credit me with the miles that I have rightfully earned by completing the promotional offer.
Freedom Mortgage calls me every week to ask me to RESUBMIT paperwork that I 've ALREADY PROVIDED MULTIPLE TIMES. 

This has been happening for over two months, going on three months. As a result, they keep delaying my forbearance application, charging me penalties and ruining my credit so that I have no ability to re-finance with another institution. 

The reasons they provide for the delay and request for re-submission of paperwork already provided are in an attempt to delay. 

The reasons have been ( a ) forgot to ask previously ; ( b ) personnel at Freedom Mortgage are not scanning documents properly ; ( c ) there are so many documents submitted, we are too lazy to confirm that we already have the docs we are requesting so it would be easier if you resubmit ; ( d ) the underwriter did n't review the docs properly ; ( e ) your single point of contact was out of the office and did n't have anyone covering his files in his absence ; and ( f ) your single point of contact does n't bother to look at your files when you submit docs but only every 3 - 5 business days. 

Also, why do they need paystubs in XX/XX/XXXX for a forbearance request from XX/XX/XXXX as a result of UNEMPLOYMENT.
XXXX  Email : Phone Number :  XXXX   XXXX   XXXX  My  name is   XXXX   XXXX  I 'm a   XXXX   for 25 years. My mother died last year in  XX/XX/XXXX . She left me her home with a quit claim deed which was recorded. I sold it short sale to her neighbor for decades, who also is a  XXXX , We did a contract which was accepted by  XXXX   XXXX   XXXX  a servicing agent with an appraisal. The bank sold the loan to  XXXX  which also accepted the contract for a second time with an an appraisal.  XXXX  sold the loan to a local bank called  BAYVEIW i n  XXXX  Florida, who ignored our offer as well as went into my deceased mothers house illegally with a lock smith and sent a preservation team to her house. ( let me preface the fact this is not a foreclosure it is a short sale and I have all the rights to this home ) I went to the house and all her exotic plants were stolen, all her tree were cut down and all pool, patio, gardening equipment was piled in her house. It was a disaster. I called the police and filled out a report. Then the following week I drove by again a caught a company in my mothers house hired by BAYVEIW covering her pool illegally. I called the police again and filed a second report. They finally responded to our purchase offer and came back with an over inflated appraisal and is refusing an appeal. They are trying to force my hand for a deed in  llueof  a foreclosure which I will NEVER SIGN TO THEM!!!! We have   XXXX    prior accepted contracts with appraisals ( appraisals are under strict laws ) The  home needs over {$100000.00} worth of repairs which we can substantiate with contractors reports! They are disreputable thrives, crooks, and robbers. I 'm currently undergoing active  XXXX   XXXX  for a very aggressive  XXXX  and I 'm overwhelmed by their blatant disregard for the law entering my deceased mothers home and Ws honestly traumatized being this was the home I grew up in which my my father purchased  2     years before I was born bac k in 1963. I 'm  grieving the loss of my mother terribly and this crooked bank trashed her home which I have pictures. I have pictures from the   XXXX   previous appraisals and contractors to substantiate what these people did to my mothers home. I have the lock box they put on her home. I just want them to sell to my purchaser at fair market value which they are refusing!!!!! I NEED HELP!!!!!   I 'm very sick from the  XXXX  and recovering from  XXXX  and want to expose this bank for the railroading!!!!   They are trying Thank you,  XXXX   XXXX   XXXX
On   XXXX    XXXX , 2017 and again on  XXXX   XXXX , 2017, I attempted to dispute inaccurate information on my credit report with  XXXX , and was told that they do n't allow for the dispute of inquiries, that if they are on my report, they are accurate. I feel they are passing the investigative process on to the consumer, and violating the FCRA. Equifax and  XXXX  allow for the dispute of inquiries, but neither do a reasonable and adequate investigation, both completing their " investigations '' in less than 24 hours.