WillisBack/dataset-financial-user-claim huggingface dataset:
I have a had a mortgage with XXXX XXXX since XX/XX/XXXX. I recently received a notice of servicing transfer, from XXXX XXXX to Shellpoint Mortgage Servicing, effective XX/XX/XXXX. Mid XX/XX/XXXX, I started receiving harassing phone calls, mail and certified mail from Shellpoint Mortgage Servicing, claiming that my mortgage was delinquent and that they were taking action. I called XXXX XXXX and told them that Shellpoint had sent me a letter and had been calling me and they confirmed that my mortgage had not transferred and would not transfer until XX/XX/XXXX. I tried to call the Shellpoint phone number on the transfer notice, but it required the caller to answer marketing questions ( there was no option to talk to a person unless you went through a marketing survey ), so I hung up. Each time Shellpoint called me, they asked for personal information, which I refused to give to them. The representatives were extremely rude, when I explained to them that I had talked to XXXX XXXX and that my mortgage had not transferred and was current with XXXX, they harassed me and tried to get me to provide them personal information. I asked them to stop calling me and they refused, they said that I needed to send the a cease request in writing by mail and that they would keep calling me until I did that. I also asked them to not use my mobile number for robo calls ( they asked me if it was okay and I said no ) but they continued. One rep said that this was how they made their calls. I am concerned ( 1 ) because they continiuosly call me and harass me on my work mobile phone and wont stop, ( 2 ) they may be reporting negative credit on my credit report and ( 3 ) that XX/XX/XXXX I will be forced to do business with such a company. Both companies say the other company is incorrect, XXXX XXXX was supposed to be investigating but I have not heard anything back.
Requested balances as of XXXX/XXXX/2014 approx. 1 month ago. I have not heard back from the branch or corporate regarding my request.
XXXX XXXXXXXX XXXX XXXX, GA XXXXXX/XX/XXXX XXXXXX/XX/XXXXThis complaint is about a barrier of communication with Wells Fargo Home Mortgage XXXX Since XXXX XXXXXX/XX/XXXX I have been calling XXXX XXXX, Executive customer XXXX XXXX XXXX with Wells Fargo Home Mortgage, and I could not find her. I left several messages and nobody called me to give me the status of my mortgage even my appeal or the status of my modification. I even called XXXX, an associate who is familiar with the case and she never responded to my calls. In a letter dated on XXXX XXXX, XXXX XXXX mentioned that the house was inactive foreclosure and there was no sale date. According to GA court record, the house is scheduled to be sold on XXXX XXXX, XX/XX/XXXX. 

I have submitted the requested paperwork which was the IRS Tax XX/XX/XXXX with schedule E showing the house was not rented for the year XX/XX/XXXX. This is the key item for the bank to approve the modification ... In addition, a termite bound and my driver license were enclosed for her review. I am still waiting for a decision to move forward and nobody care to call or to answer my question. I believe that it is a deliberate practice for denying my modification. Furthermore, Wells Fargo had received Tax Payers moneys to allow all american to receive a modification. The playing field has not been level since the bank made it so difficult to receive a modification. The people in my community complained about the banks practices to deny minorities modification to keep their houses. I am not alone in my neighborhood. This is not my XXXX complaint about Wells Fargo practices for ignoring my calls. It is with intent.
A proper billing statement was not received from the original creditor. The original creditor is The XXXX XXXX complex. After moving out of the apartment, a summary of charges was sent to our new address. This statement did not include an address to send payment, payment methods, payment stub, or due date. Adding to the confusion the enveloped the statement was sent in was addressed from XXXX, GA. The summary of charges document inside the envelope is addressed from XXXX, Al. This debt was sent to Rent Recovery Solutions. The collections agency was notified via telephone on XXXX/XXXX/15 when they called that proper billing notification had not been received from the original creditor, and that they were to only communicate via mail. This demand was ignored several times as we received several phone calls until we sent a certified letter again explaining the situation and requesting validation. The validation sent was the same summary of charges received from the original creditor that again did not include a due date, options of payment methods, payment stub, or address to send payment. A dispute has been sent to XXXX and XXXX, situation explained, proof submitted and has been ignored.
On XXXX/XXXX/2016, my chase online bank account access was suspended for no apparent reason. The bank personnel on the phone said that the external account to make the opening deposit does not seem legit so please go to the branch and make the deposit. I took XXXX forms of ID into the bank and made my deposit and now they are telling me that they will close my account today. They do n't do this to other patrons but since I am XXXX XXXX they are giving me a hard time about my account and I feel that this is bank discrimination.
From XX/XX/XXXX to XX/XX/XXXX never received a bill from citi diamond preferred card now they finally have a debt collector call me fee after fee later and put a d on my credit report. I am beyond mad and there customer service is awful
XXXX / XXXX /  XXXX   - I received an electronic state ment from Citi that I owed {$95.00} annual fee on a closed AAdvantage account. I then contacted them through their online Secure Message s to inquire about the charge. They responded saying the account was now closed and prorated the fee down to {$23.00} since their " record '' showed I did not call to cancel in  XXXX   XXXX  and I was over the " 37 day cancellation period '' to receive full refund.  <P/>  XXXX / XXXX / XXXX  - After over a month of messages back   and forth, I told them I 'd contact Citi Corporate since they could n't resolve the issue. I also pointed out that to this day, I was still able to generate a Virtual Account Number on this " closed '' account. They responded with the Office of the President address.
<P/>
Citi reps were quick to come back and argue but never attempted to investigate the integrity of their computer/billing system, ( 1 ) why the closed account is still active, and ( 2 ) IF they had been sending out statements, finance charges would have accrued on any outstanding b  alance since  XXXX .
Experian has information from XXXX on account # XXXX that because of there misinformation has affected my credit score. On 2015 my phone was damaged. So, I changed companies than in les than 48 hours was back with XXXX always keeping the same number. On the day that my bill was closed to be due, I made a called to verify my outstanding balance ; As when i went back to XXXX was under a new account number but same cell number. I was told on a recorded line by the representative that if any balance is due will be in the same number. I made that call as I was unable to view my ebill, I was unable to get into my email as i lost the passwords.Had all passwords automatic, there are some calls to that to company that will back up this information also on a recorded line, Never received a letter or a text like they do or a call for the amount due even though the number was never changed. The phone never got disconnected, All calls are recorded so I wish this matter could be investigated because is not right i haver never missed a payment with this company, All calls are recorded concerning this cell number on both accounts as its stated at the begining of the call.
LVNV is reporting a debt on my credit report, XXXX and XXXX, this company, LVNV, has not validated this debt as per my request and as per fdcpa, they are in violation of FCRA and subject to a XXXX fine.
I have filed a dispute quite a few times that the state lien on my credit report is not accurate in balance nor does it contain the required information to be reported on my credit report. The CRAs have agreed to remove tax liens from credit reports based on the " XXXX XXXX XXXX XXXX '', part of which includes a new policy to exclude from their credit reports any tax lien or judgment that does not identify the name, address, and at least the date of birth OR the social security number of the consumer. The lien information I have does not have the correct information nor is the balance on my credit report the same.
As ofXX/XX/XXXX item is reporting as 90 Days late. The item was paid in full and on time. I called customer service in XX/XX/XXXX regarding the issue but the item is still showing on my credit report.
I contacted XXXX XXXX XXXX  via mail in reference to an account I saw listed on my credit report however I never received a response after several attempts. It also seems that the original account XXXX XXXX is still reporting. I have not received any letters from these creditors or a response from them regarding these accounts.
Currently on XXXX XXXX I had a banking issue which ended up cancelling and refunding a out I had made through coinbase. They locked down my account due to it and asked for a resent payment which I gladly gave the information to recharge me what was owed. Over a week later and my account is still locked and I can not sell my XXXX like I have said. I have messaged on XXXX as well as there customer support cases and not one word back from them. I believe this company is fraudulent and fake due to not having any sort of customer support team nor a number to get i go contact with someone to help while being a financial company. This is horridous and have XXXX dollars of my money currently locked up.
I am repeatedly having problem 's with Experian, investigating and deleting this fraudulent address from my credit file. I have contacted Experian several times requesting that they investigate a fraudulent P O Box address listed on my Experian Credit file. I have called them and been given the run around. I have written disputes, and been advised that they could not honor my request. In addition some of the information that I am disputing in my Experian Credit report is attached to this address. This is not nor has it ever been my address.
Complaint against TD Auto Finance Contract Date:XX/XX/XXXX, Term : 60 payments, Statement # 59 on XXXX XXXX the balance was {$160.00}. On XXXX/XXXX/XXXX they charged {$160.00} ( payment 60 and last ). On XXXX/XXXX/XXXX the charged again {$160.00} ( over payment ), on XXXX/XXXX/XXXX they charged again {$160.00} ( over payment ). As XXXX/XXXX/XXXX they sent the Release of Lien with the Title of the car. As XXXX/XXXX/XXXX my online account is closed as stated for TD Auto Finance. After reviewed all my payments since XXXX XXXX they over charged me a total of {$1000.00} ( included the {$330.00} after the end of the contract ).
When I opened my accounts at Santander late last year, the manager of the XXXX branch told several lies during the process. XXXX key ones were 1 ) that I had to open XXXX accounts -- that was the current offering and 2 ) that he could give me the same overdraft credit that I had at my previous bank. He said very clearly that that was already approved. Several months later, I 'm not working and not making direct deposits. As a result, I 'm overdrawn and have been receiving phone calls from the bank, and am paying maintenance fees on XXXX accounts. While the current manager has been sympathetic, I do n't feel that Santander is fully responding to such a serious problem. 
In the short term, I would like all my account fees paid to date to be refunded and for an emergency line of credit to be extended. I was told that I had access to {$2000.00} in credit, and Santander should honor that even if the proper application was not taken. In the long term, I would like Santander to contact every customer who opened an account during that period at that branch and verify that they understand the products they purchased and that they have what they were told they have.
There are XXXX items on my credit that I should not been held financially accountable for, which had spent hours on the phone sorting out with both companies : 1 ) XXXX : I had XXXX service for less than 3 days. Although I was told that The service would be good at my residence it was not. I was told that I would not be billed for anything and that my {$50.00} deposit would be returned within 30days. I never got my deposit back and now I have a negative report on my credit due to their error and misrepresentation of services. 
2 ) I have a Prior Authorization on file for my XXXX with my insurance company, XXXX. XXXX XXXX XXXX did not submit their claim in time and tried to hold me financially accountable for the bill. During a XXXX call with a representative from XXXX a manager XXXX. The manager XXXX clearly stated that they could not legally hold me financially accountable due to the agreement on the Prior Authorization that they failed to meet.
This is a follow-up to a previous claim I made thru this site to JPM Chase regarding my mortgage loan # XXXX refinanced in XXXX. JPM Chase states that they indeed processed a HARP loan which was not stated originally. However, JPM Chase failed to adjust the loan rate to reflect the HARP rate at the time which was below 4 % not 5 % which is the rate I have been carrying on my loan. As stated previously, JPM Chase never disclosed to me that they were processing a HARP loan. It was only until after I read about this program years later that I enquired other lending institutions and then Chase themselves, if I could apply. I was told no but without further explanation. Also, last year, due to other issues I 'm dealing with that involve the ownership of mortgage notes, I questioned JPM associates about the ownership of my note. First they stated JPM did not sell its loans and confirmed that my note was with them. It was only until after I posted the claim thru the CFPB that JPM stated that it was with XXXX. I purchased my house in XX/XX/XXXXand my LTV was always positive. I had never defaulted on my loan nor I ever had higher debt than the equity on the house. I believe JPM incorrectly qualify me for a different loan because they had been incorrectly trying to charge me for a transaction on a credit card they never told me they had approved nor had sent me any card nor statements until months later. Their investigation department got involved and although I got the representative to effect a conference call with the vendor JPM was alluding they made the payment to, when the vendor was confirming that the account had been long paid off by XXXX, JPM associate cut me off from the call and never got back to me. A few months later after noticing that rates were lower, I applied to refinance my mortgage. However, Chase indicated that I did n't qualify for the posted rate. When I inquired why, they did n't provide much explanation but indicated that I could refinance it at 5 %. This was not much of a decrease from the existing rate at the time and in fact, the overall cost of the refinance turned out to me much higher than what I previously had. Only the monthly got lowered but the total debt increased tremendously, now I realize. This loan was not to my best interest. JPM Chase was quick to act on the refinance by sending me all docs via e-mail and getting a representative to my house to finalize the paperwork. At no time, did any party involved explained to me that I was signing for a HARP loan and what were the benefits or disadvantages. At the time, my job situation was not solid and any bit of reduction in expenses helped ; however, I see that JPM Chase only took advantage of the situation and did n't act to my best interest.
Debt collector left messages for me and my sister this morning. Although I have an XXXX area code, I am currently residing in California and received the call at XXXX. The message simply stated they were trying to contact my mother, with no indication that they were a debt collection agency. My mother is currently suffering from an incurable illness, and both me and my sister immediately assumed this was a health issue with the vagueness and urgent tone of the message.
I have repeatedly asked for an update to credit report with all   XXXX   credit bureaus in regards to  XXXX  reporting on my credit report. It is now  XXXX  2017 and the account is not reporting as " Included in bankruptcy '' This is an ongoing issue. I do not understand why I have   XXXX     XXXX    accounts reporting on my credit report anyhow. They are all the same account, I only had  XXXX  loan with them but because I refinanced with them for the same account they listed another account. The account was sent to collections after my bankruptcy was filed, However, the collections account removed item from my credit report, stating they did not have knowledge of my bankruptcy before the account was sent, their resolution was to remove it.   XXXX   sent my account to collections after I filed for bankruptcy, knowingly aware of the status yet they violated my rights nonetheless. This is very frustrating and regardless of the attempts with the credit bureaus and CFPB also investigating, I am not getting any results. I have several investigations into this matter filed and saved and will have to pursue a different avenue if the issue is not fixed.   XXXX   is in violation of the bankruptcy laws and no one seems to care. They reported my account late with a balance up until the past 2 months as " OPEN ''?????
I have a security freez and i am a fraud victim and I have XXXX Showing on my transunion report and XXXX and XXXX and I dont do any of these companys and i do not own any one any money and they are contacting me and threating me to go to court and sue me and garnshise my wages from me. Please help me my email is XXXXXXXXXXXX how do i report these that are threathen me and cussing at me and telling me they are going to hurt me.
Received letter from Capital One saying my account was closed due to inactivity.

Account was closed onXX/XX/XXXXI received the letter on XX/XX/XXXX The letter is dated on XX/XX/XXXX.

By Capital Bank closing my account they have harmed by credit score and availability to get credit. Since my available credit has gone down it now looks like I am not a good candidate for the best available interest rate to members with A-/B+ status.

They never gave me any warning. Just one letter after the fact since the account was closed by the time I got the letter to reinstate my account.

Abusive on their part. Now they want me to apply for a new credit card with my credit limit being less than the actual XXXX XXXX that I had on the credit card they closed, and with a higher interest than the 9 % the closed account carried. All they had to do was tell me they where going to close my account and give me a chance to charge something to it so I could keep my high available credit and low interest.

I had this account for over 20+ year. Were is loyalty for his company.
I checked my credit history with Experian Credit Report XXXX XXXX, XXXX and found unknown to me account number XXXX opened with XXXX in XXXX XXXX. I never opened any account with XXXX, never applied for any credit line with them and not aware of any charges for any products or services from them. Also I never got any letters, emails or phone calls from XXXX.
I have a house loan with Central Mortgage Company ( CMC ) in AR. In XXXX XXXX, I had issues with my house & it required work ( major reconstruction ). My insurance company agreed on the construction - work was performed & finished XXXX XXXX. The problem is the CMC is not issuing the check to pay the contractor for the repairs on the house. They are instead sitting on the check in their account making interest - since the insurance company had to cut the check to the mortgage company, myself, and the contractor. Information required from the contractor has been sent in two times to the CMC, yet they want it again. This has been going on since XXXX & now it is XXXX. The contractor is speaking to a lawyer, I am afraid my house will have a lean against it, & I will be sued. This could cause me to be homeless & on the streets, not good for someone XXXX. I keep speaking with CMC customer service & someone in hazard insurance department. They state they need the liability information on my contractor, yet they were sent this information twice & CMC & keep losing it. Further, CMC XXXX, I live in XXXX. There is no reason they need to see his liability insurance, especially since the work is done & the insurance company XXXX only allowed the contractor to work on the house since he was licensed XXXX, insured, & trained. This contractor has done work on the house since XXXX. I need help please.
Received my bill on XX/XX/18 and noticed a " Late Fee on Previous Invoice '' charged {$410.00} for XX/XX/XXXX bill which totalled {$1900.00}. Contacted them today and was told my payment was five days late. I asked her how this is possible to get an interest charge of this amount and she said I was charged 9.99 % and doesn't know how they assessed the total charged but that was what was due. And that was the end of the conversation.
On approximately XXXX XXXX I opened a checking account at Chase bank. On XXXX XXXX somebody made XXXX unauthorized purchases with my debit card for {$90.00}. On XXXX XXXX Chase informed me that my account was on restriction pending closure. They said that they will not provide me a reason. This is very unfair because I have not done anything wrong. 
I went to different branches 4 times and I called up 5 times but they refuse to give me an explanation. I want an explanation why they are closing my account.
Experian is continuing to report an inaccurate name & address on my credit file even after several disputes and complaints being filed. 
I have been disputing inaccurate names & address on my credit. Someone who has a similar name in my area keeps showing up on my credit. I have sent proof of my identity multiple times to Experian and filed previous complaints. It is obvious the name is wrong yet they do nothing about it. 
By law they are to report accurate information and they are in violation .... 
My name is XXXX XXXX XXXX not XXXX XXXX XXXX!! I have never lived at the XXXX XXXX XXXX address ... 
that address if for another XXXX who has a criminal record and this is affecting me in all areas! I need anything affiliated with wrong names & addresses removed immediately!