WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a complaint with the CFPB on XX/XX/XXXX XXXX # XXXX. My Wells Fargo Mortgage loan # is XXXX. It was assigned to XXXX XXXX XXXX at XXXX ext XXXX on XX/XX/XXXX. I have made several attempts to get in contact with her regarding my investigation. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been unsuccessful in reaching her. I also spoke with XXXX XXXX 's at ext XXXX who sent a message to XXXX XXXX and her supervisor regarding the lack of responsiveness from XXXX on XX/XX/XXXX. In addition, I have been trying to work with the loan re-entry team since XX/XX/XXXX, however, I have faxed over every document that has been requested of me multiple times and am repeatedly told to fax over something different or that they didn't receive it. I have copies of all of my confirmation pages and have even gone into the Wells Fargo on XXXX in XXXX XXXX and had them fax the documents over to fax # XXXX and I include my loan number on all documents being sent. Back in XX/XX/XXXX Wells Fargo required me to pay them the sum of a little over {$13000.00} in which I borrowed from my dad. I repeatedly requested copies of my mortgage statements from them to show that my payments were current, but to date have still not received copies of the requested statements on my mortgage, nor have I received the ones requested on my checking or savings account that I had to close out due to fraud by one of Wells Fargo 's employee. The loan re-entry team has had several months to get my loan re-instate, but continues to give me the run around. 

With the sale date up and coming quickly, set for XX/XX/XXXX I fear losing my house due to the negligence of XXXX XXXX XXXX department. They again served me with documents taped to my home today for the Law firm of XXXX XXXX   XXXX at XXXX on XX/XX/XXXX @ XXXX XXXX I spoke with XXXX XXXX and she stated that my foreclosure had been placed on hold, but as of today on XX/XX/XXXX I was served again with foreclosure documents. The mortgage department of Wells Fargo has been very uncooperative in getting me approved in the home preservation department.
Hello, I have been working hard to correct some inaccuracies on my credit report, and after contacting the credit bureaus in the past and recently in the last few months Experian continues to ignore me. I have received No response after 30 days and balance is not even on the creditor 's system because it was discharged, XXXX was sent, and I paid taxes. Experian is misreporting it because they want to charge the credit or money for premiums every month. What another explanation is there because they ignore me completely. This is very scary! If this is happening to me. Who else is being affected? I have kids and am trying to just get into a home this year before rates go up, and I 'm getting this treatment. I paid my dues on the items in the letters attached. For XXXX of the accounts I received XXXX 's and did the right thing to pay taxes on the entire balance, and the creditor stated my obligation is done with them. Yes, Experian zeroed the account and the re-reported the balance and dropped the score. Please help!! I know I 'm just one person, but I do n't want just to give up. Thank you, XXXX
I had a credit card with MBNA for a number of years without issue. Somewhere along the way the card was taken over by Bank of America. At some point, I contacted them concerning my 1 % points since I heard about their 1.5 % ... after a lengthy discussion, there seemed no downside to update my card. After accumulating points for years, I requested a disbursement of the 1.5 % and was then informed that the actual amount was only .9 % ... in order to obtain the 1.5 %, I had to use toward a travel expenditure ( if I had originally known, I never would have signed up since I do n't use that card for such expenditures as well as use frequent flyer miles when I do my minimal travel ). I wasted my spouses time who dealt with my mother-in-law in order to purchase plane tickets for her in order to use the 1.5 % points and then hassled with the whole reimbursement process from my mother-in-law back through my spouse. I pay my credit card bill in full each month. So my only XXXX credit card charges on my monthly invoice were for that travel and used my 1.5 % points to timely payoff the balance of my account in full. Bank of America claimed that I did n't make a minimum cash payment so charged me a {$25.00} late payment fee ( i.e. due date was XXXX, made a {$25.00} cash payment on XXXX and statement closing date was XXXX ) ... their rationale was that I had made a charge on the following month. Be mindful, there was no balance due and then paid off my account in full for charges in that billing cycle. I believe that Bank of America not only was deceptive when claiming their card was 1.5 % points when actually was .9 % as well as unfairly charged me a {$25.00} late payment fee when I had paid-in-full with the travel credits. Apparently they no longer want my business, even though I believe I have been an upstanding customer for nine years, since when I discussed the matter with them, they had no willingness to waiving the unreasonable fee. Thank you very much for your efforts at the CFPB to assist consumers with credit card companies unscrupulous practices in the past. With Appreciation!
XXXX is again trying to collect a debt that I do not owe using another collection agency. I opened a compaint before that they had sent to another agency and that collection was closed. Now they are tyring to collect using another one. I have not received the {$75.00} deposit I paid them. I stated that they should take their money out of that and send me the remainder. They have done nothing except to lie the the other company about paying me my deposit. I do n't owe them anything as I have yet to receive any of my money back..
Equifax credit bureau has failed to report all of my paid auto loan accounts from ; XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. I previously contacted each of them like the Equifax representative told me to and have them to report the information again, at which they obliged. I check my report months later only to discover again Equifax is the only bureau not reporting the information. I recently applied for an auto loan with a local dealer and was turned down by many lenders whom ran an Equifax credit report where there are no paid auto loans present, and multiple inquiries obtained along the way. I spoke with Equifax today and they refused to correct any of the above mentioned issues. They instead insist I file an identity theft report which has nothing to do with this issue and furthermore appears to be lying in order for them to correct their mistake.
Salliemae/Navient has ripped me off for over 10 years. They tried helping me by doing multiple forbearances to catc hup the payments I was behind on, but now I simplky cant afford it. I took out a $ XXXX loan in XXXX, now the balance is {$11000.00} and its XX/XX/XXXX. I understand there is a lawsuit against Navient for steering students and borrowers to do forbearances only to make the financial situation worse. I am struggling to make ends meet and want to try to find a way to either have this forgiven, or lower the monthly payment while actually bringing the loan down. Please help.
Capital one is incorrectly saying I was late on payment when it was due to their error. They researched and said I would have to file a dispute even though it was their fault.
This is my 3rd complaint on this collection agency XXXX XXXX Collection Manager
Financial Data Systems
XXXX XXXX XXXX XXXX 
www.fdscredit.com

I have advised them on several occasion that this debt is not valid and does not belong to me. I filed a complaint and Identity theft report with the federal trade commission, WHICH i FAXED OVER TO THEM and I demand they remove these accounts immediately from my credit file.
please see email response......
XXXX XXXX 
To	'XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX Please acknowledge you received my fax...HIS RESPONCE
On Wednesday, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  wrote:


I got it.

Thank you,
XXXX XXXX XXXX
Collection Manager
Financial Data Systems
XXXX XXXX XXXX XXXX
www.fdscredit.com
Yesterday ( XXXX XXXX ), I was using coinbase via my account to trade bitcoin. I had added my debit card to the account to initiate another deposit and then tried to initiate a {$700.00} deposit into the account. This transaction was denied twice, I think that I missed that there was an account limit of {$750.00} per month and I had already deposited {$700.00} previously ( XXXX XXXX, XXXX ). Because of this, the system flagged my account and disabled trading on it. Due to this, I was locked out of my XXXX account altogether ( XXXX and Coinbase are the same company, XXXX is a more in-depth trading site for advanced trading, I can login to XXXX through Coinbase ). This is the main problem because my initial {$700.00} deposit from XXXX is in my XXXX account, plus I had an additional {$700.00} bank deposit directly into XXXX a few days prior that was pending into that account. Altogether, with the recent rise in value of bitcoin, I have approximately {$1600.00} worth of USD/Bitcoin in XXXX which I 'm currently locked out of. 

Coinbase support is notoriously non-existent. I 've tried contacting their support members on XXXX, opening a case with their support, and phoning their support line, all to no avail. Essentially, I just need access back to my XXXX, and for that to happen, buying to be re-enabled on my account.
Have called many times..explained to them that the person they are looking for is not at my number..they keep calling and yesterday,XX/XX/XXXX, left threatening message for that person. Called them back to again request that they remove my number and if not I would contact you. They called right back and stated that they 'll continue to call regardless of what I wanted..I 've had enough of this.
My wife and I used USAA for a mortgage loan. Due to military obligations I was unable to be with my wife or access to a phone for days at a time. My wife had power of attorney to close of the house. My wife was told by USAA to bring a {$1800.00} cashiers check to closing the day prior. On closing day my wife arrived with the check but was told she owed {$4000.00}. My wife was unable to pay this without consulting me due to the dramatic difference in price she was told. USAA violated TRID by not disclosing final closing cost to my wife until after the time of closing.
On the first note I had rented an apartment with XXXX XXXX, with several roommates, went to court and I was left paying out money but it was stated that once the balance was paid in full they names would be in the clear as well, but the made no attempt to pay. 2nd there is a XXXX XXXX account in my name but it 's in IOWA, different social security number, address etc. ( 3 ) The apartment XXXX rented with them again roommates and now my credit is runied. Just runied I need help
I sent a letter  to Monterey Financial with a restrictive endorsement. this endorsement that was included with a letter that stated the same was if they  cased the check the account is considered paid in full and shall be removed from all credit bureaus, company has failed to remove and continuing to bill me.
Hello I just turned XXXX today and I thought to myself, where do I need to be in life? So the first thing I think of is college!! Well I go to apply for a student loan and my credit report says I have had one since XX/XX/XXXX of 2011. They say I owe them a total of {$10000.00} and I swear I NEVER EVER applied for any loans especially not a student loan I never went to college. Now my credit is ruined because of the delinquent accounts. What are my options? What can I do from here? The only thing I know is it's from a company called Navient.
REFERENCE CFPB # XXXX SECOND COMPLAINT _ NOT RESOLVED_ COMPANY RESPONSE IS NOT ACCEPTABLE. 

I REPEATEDLY TOLD THE COMPANY THAT I HAVE NO PERMANENT ADDRESS EXCEPT A XXXX XXXX I AM A XXXX  XXXX VETERAN I DO NOT HAVE ANY OF THE DOCUMENTS YOU REQUIRE TO PROVE IDENTITY SUCH AS DEED PASSPORT UTILITY BILL I PROVIDE THREE GOVERNMENT ID 'S TO YOUR COMPANY - THEY CANT BE ALL DARK COPIES. 

I PROVIDED THE TEMPORARY ADDRESS THAT I WAS LIVING AT FROM A SHIPPING LABEL. 

I PROVIDED THE RECEIPT FROM XXXX WHERE I PURCHASED THE AMERICAN EXPRESS XXXX CARD. 

THE RECEIPT HAS THE CARD SERIAL NUMBER ON IT. 

I HAVE FAXED THE RESOLUTION TEAM THREE TIMES AND THE CEO XXXX XXXX ONCE. 

I DO NOT HAVE ANY MONEY TO FAX ANY MORE TO YOU. 
I WANT THE MONEY THAT IS ON THE CARD IN THE AMOUNT OF {$100.00}. 

I WILL POST MY COMPLAINT ON SOCIAL MEDIA, I AM SURE AS A XXXX XXXX VETERAN, I WILL HAVE PLENTY OF SUPPORT.
Well, when I fired off this FIRST EMAIL attached, I kind of half expected a RESPONSE to work things out. NOPE! The people at SBC, LTD, seem to think Im a nobody you can PUSH AROUND.
THEY SENT ME 12 MORE BILLS? 

I TOOK ON XXXX XXXX, XXXX XXXX, The US NAVY and WON EVERY SINGLE FIGHT. YOU ARE SMALL POTATOES compared to the FEDERAL GOVERNMENT. Dont believe me? Ask SENATOR XXXX XXXX who intervened on my BEHALF for XXXX XXXX. The LATE CONGRESSIONAL XXXX XXXX ( XXXX ) NY, INTEVENED for me in XX/XX/XXXX AGAINST the US NAVY. I TOOK ON XX/XX/XXXX ALONE in XX/XX/XXXX. 

I just filed a COMPLAINT with the WA AGs office, Im filing another COMPLAINT with the CFPB and a COMPLAINT with the FTC and contacting XXXX XXXX XXXX XXXX XXXX! Im going on SOCIAL MEDIA, XXXX and I HAVE A NETWORK OF OVER 30 MILLION PEOPLE on XXXX. 

I HEREBY FORMALLY DISPUTE ALL THESE and tell them to take the WA STATE COMMUNITY PROPERTY LAW and SHOVE IT UP their XXXX, AS FAR AS IT WILL GO AND XXXX XXXX XXXX! 

The WA STATE AGs response just came. 

-- -- -Original Message -- -- - From : XXXXXXXXXXXX [ mailto : XXXXXXXXXXXX ] Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXXXXXXXXXX Subject : AGO Complaint XXXX, Thank you for contacting the Consumer Protection Division of the Attorney General 's Office. The consumer complaint you submitted through our online form was received on XX/XX/XXXX. Your complaint is very important to us and we have assigned it to a consumer resource center specialist for review. You will be provided with a complaint number and the status of your complaint within 5 business days. During times when we experience peak complaint volumes, it may take up to 7 business days for us to contact you with your complaint number and status. Thank you for your patience during this time. 

Please do not respond to this email address. The mailbox is not monitored. If you have questions, please contact our Consumer Resource Center at XXXX.
To date I have formally requested both verbally and in writing to Select Portfolio Servicing INC that the XX/XX/2019 sale date be cancelled, as having a sale date while property is in ACTIVE MODIFICATION process and in in DISPUTE STATUS violates DUAL TRACKING LAWS set forth by the Consumer Financial Protection Bureau. After 12 written confirmations and verifications that SPS has received, there has been no action taken that will constitute SPS is abiding by C.F.P.B. Dual Tracking Laws. 

I am asking that the C.F.P.B. review and investigate SPS and XXXX XXXX XXXX  ( Trustee ), for this complete disregard for an abuse of the Federal and State Laws. 

The following is a timeline of written requests to postpone XX/XX/2019 sale date : XX/XX/2019, XX/XX/XXXX, XX/XX/1919, XX/XX/1919, XX/XX/1919, XXXX XXXX19, XXXX XXXX,19 XXXX XXXX, 19, XXXX XXXX,19, XXXX,19, XXXX XXXX,19, XXXX XXXX, 19. 

The following dates for verbal requests to postpone sale date : XXXX, 19- SPS Rep XXXX XXXX- I verbally requested to cancel sale date of XXXX, 19 and stop dual tracking violations while in review, active modification and in dispute status. 

XXXX, 19-SPS Rep XXXX XXXX I requested sale date postponement in regard to dual tracking violations. I was told that I had been given a repayment plan but I had not received it yet in the mail. By law I should be given time to receive SPS repayment plan and respond. In good faith, there should not be a sale date while this decision is being made. 

XXXX XXXX,19-SPS Rep. XXXX XXXX- I received the repayment plan with SPS enormous payments of {$5300.00} with monthly payments for 12 months and a balloon payment of {$320000.00} due. My original payment I defaulted on in the first place was {$1500.00}. I was told that if I did not accept the repayment plan that I would lose the property. 

I was also told that the file was in dispute status, which I am still waiting for an answer to and again requested the XXXX. XXXX, 19 sale date to be cancelled as per dual tracking violations. SPS has shown no accountability for their repeated violations of dual tracking while in dispute status and active modification and not allowing me adequate time to review disputes. 

I appreciate all of your efforts ...
American Credit Resolutions called my job several times today XXXX/XXXX/2015. I do n't know who they are representing and my Boss told them not to call this company again because it 's not work-related and its against company policy. They refuse to comply and they have n't contacted me by mail or personal phone. So I have no idea what this about but it is harassing and embarrassing.
Coast Professional XXXX has my student loan debt and I've been trying to work with them to get a payment plan set up. It's been 3 months now and I've been paying them yet nothing is reflecting. They call me - 1. They don't tell me who they are 2. They ask me to verify my social security and birthday. When I refuse they refuse to tell me who they are. Once I've verified my SS and Birth date, which I am uncomfortable with it. They keep telling me there are missing documents or something wasn't signed. I've looked at everything I sent them, I spoke to a lady named XXXX and we went over EVERY single form to make sure it was good. But every 2 weeks they call and demand more and try to tell me my payments are counting towards my balance. I am being harassed about it and I feel like the money I am paying, is being pocketed. - Attached is the document ( 1 of many ) that I agreed to pay but they called and said they didn't receive it ( yet XXXX said she did and that everything looked fine. This was back in XX/XX/XXXX. It's XX/XX/XXXXnow and they have been taking the {$25.00} from my bank account as I agreed, but it's reflecting nothing on my balance? )
my name is  XXXX   XXXX  and my loan number is  XXXX  with satandar auto loans. presently my interest rate is 24 % for a used car  2009   XXXX  accord and my monthly payment is {$480.00}. presently I am out of a full time job and I do part time jobs here and there. I have spoken to several personnals about my interest loans been brought down to a better interest rate and monthly payment say $  XXXX  {$300.00} for a 4year loan since the car is old and I bought it used also. I would be grateful if my request is granted so I can put my loan in stable condition. Thanks
SRA associates started to collect on a debt I am not aware of. I asked them to validate the debt but failed to do so.
I called this number today XXXX thinking it was Navient Student loans. A lady named XXXX answered and asked for my information such as name, date of birth, and social. Once she got my information she said I have the wrong number and gave me Navients number and hung up on me. When I called back she would not give me the name of their company and hung up on me again.
My mortgage was sold and no-one ever sent us any information as to who owned our mortgage. We tried to find out who was the owner of our mortgage and we had no avail. We got a letter last year from Harmon law about being behind in our mortgage. WE finally found out the name of the bank which is XXXX XXXX. who had been mailing our mortgage statements to someone else in another state CA. We finally gave them our information and they were suppose to send a home motification package in XXXX we have not received it. Now we are listed in the paper as being forclosed on in 5 days. We have not had a letter from Harmon Law about the foreclosure date. We want a chance to catch up and save the equity in our home. Thank you for your help XXXX XXXX
My husband received treatment for a XXXX on XX/XX/XXXX. The hospitalist, XXXX XXXX XXXX ( also known as XXXX XXXX ) then billed us for the services because they do not take XXXX insurance. 

We called XXXX and said since this was an emergency, they should cover the cost of the hospitalist treatment. XXXX agreed. They sent us a check ( # XXXX ) made out to me in the amount of {$210.00} and told us to sign the check over to XXXX. We did so. 

Here 's where things got interesting. XXXX XXXX, unbeknownst to us, made a mistake and separately sent another {$210.00} check to XXXX. This caused a double payment. Rather than following up with XXXX, XXXX XXXX sent us a letter ( XXXX Inquiry Number : XXXX ) saying we owed them the {$210.00} back. They also started sending collections letters from XXXX XXXX, XXXX. The problem is that we had already signed the original check over to XXXX. 

I tried to resolve this situation by calling XXXX and asking them to refund XXXX XXXX. I talked to XXXX in the billing department at XXXX ( phone number XXXX ). XXXX said that they had indeed received a double payment and would refund XXXX XXXX one of the checks. 

XXXX mailed XXXX XXXX XXXX XXXX the refund around XX/XX/XXXX. However, after 30 days, XXXX XXXX was still sending collections letters. I called XXXX XXXX and talked to XXXX XXXX ( sp? ) who said she would look into this for me. 

XXXX called XXXX and asked her to stop payment on the original check and mail a second check. XXXX did so. She sent out a second check to XXXX XXXX XXXX XXXX around XX/XX/XXXX. 

Again, XXXX XXXX apparently was not showing that they received this second check 30 days later. In addition, XXXX XXXX officially sent us to the " real '' collections company, Receivable Management Services Corporation. 

This is ridiculous because XXXX XXXX made the mistake of double-paying in the first place! XXXX sent XXXX sets of checks to XXXX XXXX XXXX XXXX and they still have not credited the {$210.00} to my account. 

I am asking XXXX XXXX to take me out of the middle. I do n't have their {$210.00}. They need to assign the debt to XXXX XXXX and clear my credit history.
I was garnished last year with XXXX XXXX for student loans and I called today XX/XX/XXXX to see where the money garnished was applied to the loans that Navient has. No one had an answer. I asked the, to remove the late payments that are being reported to the credit bureaus because I have never missed a payment since XX/XX/XXXX of last year ( I 'm receiving alerts saying Navient has reported me 120 days late from all XXXX credit bureaus ). I was told to fax something in writing when this was done they said no mail it. But each representative verified that my account is in good standing with no late payments. Still no answer on the money that was garnished as well.
I am a XXXX XXXX in XXXX XXXX. I have student loans through navient for my XXXX. I have been contacting the program for the past 2 months about processing a deferment for my loans. They have continually placed obstacles ( e.g. saying forms are n't legible, that previous customer service representatives I spoke with did not document requests, etc ). Recently I submitted a third deferment form 2 weeks ago. I called on day 14 asking for an update on the processing which I was told would be 5-7 business days. They then told me the form was again not legible so I was put on hold only to have them state that there was a mistake and the form was actually legible. So I was told in about 3 days from the call the form would be processed and a decision on deferment would be made. 

After three days passed, I called and was told that the request for form processing three days prior was n't put through and only that my complaint was put through about wanting my form expedited. So the next person I spoke to said that if I did n't hear back next week to call. It is now been 2.5 months of me trying to have a one page form with 14 lines of information processed to defer my loans during XXXX. This has been an impossible task and I really hope this is heard..